Student loans and Bankruptcy

Student loans are typically extremely difficult, but not impossible, to discharge in bankruptcy. To do so, you must show that payment of the debt “will impose an undue hardship on you and your dependents.” If you can successfully prove undue hardship, your student...

Economics of Self-Publishing

I did some reading and investigation on the financials of publishing; I always want to see how a business works. What I found startled me and I thought I had a good idea how the numbers played out. An author published through a small press that sells 100,000 ebooks at...

Frugal

I recently traded in my Mercedes.  Before I traded the car in, I needed to determine what I would drive next.  I went back and forth on a number of makes and models.  Then I sat back and thought about this from a different perspective. I thought about what is the most...

Our political process

I was surprised to find out that, as private organizations, political parties in the U.S. are under no legal obligation to democratically choose their nominees for general elections; parties could choose to select nominees by tennis match. I was aware that delegates...

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