What are the best ways of spending money apart from spending just on shopping and entertainment? When can spent money be never regretted? Add your feedback please.

Are payday loans meant to help people in times of emergency or just to trap them into a cycle of debt?

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How many people actually go in for a Health Insurance? It is observed that most people think it is a waste of money so avoid it. What do you think?

Can I claim child tax credit for my son born on December 31?

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Is commission rebate from the buyer's Realtor to the buyer a taxable income? Transaction was done outside of the escrow and 1099-Misc (Box 7) was issued to the buyer following January. 1) is this taxable income for the buyer and 2) if so, is he responsible for SE taxes as well?