Articles written by Sue A. Sponte - Page 2

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Relationships & Family > Crisis Support (Other) How to protect yourself from sexual harassment: 5 of 18
You can think about your task to protect yourself in terms of two goals: prevention and reaction. The best way to protect yourself is to do what you can to ensure that sexual harassment never occurs. Of course, this does not mean that it's "your fault" if it happens to you. But there are some ways to head this off before it ... More..
Personal Finance > Credit Cards Knowing which credit card you should pay off first: 4 of 14
You will find two schools of thought about which card you should pay off first. There are plenty of very smart people who swear by each of these theories, and in the end the question of which way is right for you will depend on the type of person you are. The Math Genius Method. Okay, if we were math geniuses we probably wou... More..
Business > Small & Home Business When to consider incorporating your business: 2 of 7
The main advantages of incorporating your small business are two: limited liability and future business expansion capability. However, there are also two major disadvantages to incorporating: double taxation and increased legal requirements. Let's consider the pros and cons in sequence, using a hypothetical retail store as a... More..
Personal Finance > Taxes Income tax fraud, or is it?: 3 of 9
Every year, thousands of people are suckered in by the claims of ignorant or malicious people who rant and rave that taxes are voluntary, illegal, or some combination of the above. Unfortunately, if you listen to somebody who convinces you that you do not need to pay taxes, it will be you who ends up in jail, not them. It is... More..
Law & Legal Information > Lawyers & Legal Advice The executor's guide: Settling a loved one's estate or trust: 1 of 3
You have been called upon to perform a final act of friendship for a departed loved one. This final honor that you pay to the deceased will require attention to detail, compassion, and perseverance. The fact that your loved one has provided that you were to be trusted with the final disposition of the estate speaks volumes a... More..
Personal Finance > Financial Planning College: Financing your child's education: 3 of 8
Leaving aside the question of whether you should pay for your child's education (I'm in the "of course you pay for it" camp, but this question tends to polarize people), the real question becomes "how"? We have one in college and one on the way, and our mantra has now become "save, beg, borrow, defer". Save. This is a no-bra... More..
Personal Finance > Managing Debt College students: How to get the degree without the debt: 7 of 18
You want a college degree without the debt? You will need a rock-solid strategy to attack that problem. Your strategy can be pieced together from three tactics: lower the college cost, increase your earnings, or shift the cost to somebody else. Here are some ideas for each: You can lower the cost of getting your degree eithe... More..
Society & Lifestyle > Economic Values Money cannot buy happiness and love: 55 of 140
When I returned to school to change from my first career to my second career, I happened to stumble into a presentation about money and happiness. (Okay, I didn't stumble: they offered us free pizza to come and listen.) The researcher had spent many years investigating the relationship between money and happiness and what he... More..
Politics, News & Issues > Government & Policies Guide to the Americans with Disabilities Act (ADA): 2 of 5
In 1990, Congress passed the Americans with Disabilities Act to respond to what it believed was a significant and growing population of Americans with disabilities who were subject to discrimination, prejudice, and a lack of "equality of opportunity, full participation, independent living, and economic self-sufficiency." The... More..
Personal Finance > Personal Finance (Other) How to pay off your credit card debt: 9 of 19
Paying off your credit card debt is one of the smartest things that you can do to improve your financial future. As a society we are drowning in debt, and the vast majority of people who declare bankruptcy do so because their credit card debt (and other consumer debt) has become too difficult of a burden to pay off. The art ... More..