Thomas Jefferson, a spokesperson of democracy and the third US president once said “Beer, if drunk in moderation, softens the temper, cheers the spirit and promotes health.” What he didn’t mention is that smoking herbal substances like marijuana or tobacco…

Starting a new business is an exciting prospect, but without the right financial planning, you could find your venture toppling over into debt before even getting off the ground. The first year of a new business is often the hardest,…