Patrick Harwood

Bonds are a way to loan money for investors who do not have the large amount of capital needed to fund most corporate or municipal projects. Instead of going to a bank and seeking a loan for a full amount needed, an organization can…

While a small spritz of scent may brighten your day, it may be an assault on an office mate's sense of smell. A personal scent might be in bad taste within the confined space of an office. Before partaking in your favorite signature…

Maryland land records consist of property deeds and documentation of wills and estates. Maryland land records can also include mortgages and liens against a deed. Depending on the type of Maryland property search or documentation that…

The state of North Carolina allows different types of estate planning documents. Some documents are used during the person's lifetime, while others only come into effect at death. Will: Definition The state of…

An ethical company is one in which the employees and management trust one another and work to the common good. Ethics violations carry a wide variety of consequences, from policy and procedure changes to firings. Maintaining an ethical…

Creating a CV, or curriculum vitae, for the purposes of applying for a job is one of the most critical steps in the process. A poorly constructed CV will reflect poorly on the applicant and can hurt her chances of landing the job. CVs…

Whether you are looking for current income, safety or a combination of both, bonds and bond mutual funds can be a good investment. Bond mutual funds can also be a good balance against the risk of stock market investing and many investors…

U.S. savings bonds, such as the series EE, can be excellent investments as well as gifts. Many parents and grandparents purchase series EE savings bonds for their children and grandchildren on special occasions. Those parents and…

The procedures for small estates are designed to provide a streamlined probate process where there are insufficient assets in an estate to warrant the full probate procedure. The rules and requirements of a small estate vary in each state,…

A team that can work well together, cooperate, collaborate and problem solve as a cohesive unit is going to be far more successful than a disorganized group that works with little or no regard for each other's contribution to the effort.…