Parents give cell phones to their kids to keep track of them or for them to use in emergencies. According to a 2006 report issued by the Pew Internet and American Life Project, 74 percent of all cell phone owners had used their phones during an emergency.

An allegation of emotional abuse of children plays a significant role in a child custody determination in a divorce, legal separation or paternity proceeding, according to "Child Custody A to Z" by Guy J. White.

Goals--plans to achieve something--have several purposes in personal and professional settings. The University of New Hampshire explains that goal setters can use the SMART acronym to develop goals. Goals should be specific, measurable, attainable and relevant.

Plastic bags used to be thought of as free, painless, no-brainer solutions to carry your groceries, and they even could be recycled as doggie-doo bags or bathroom trashcan liners.

Evaluating employee performance is a common practice in many organizations. Some organizations ask you to participate in the evaluation by having you complete a self-evaluation form prior to your review.

According to the Government of Australia’s Office of Energy, portable electric heaters can use from 1 to 2 kilowatts, depending on the heater setting, while gas heaters can use the equivalent of over 6 kilowatts.

Home heating systems like furnaces or boilers keep your family warm and comfortable during the cold winter months. Unfortunately, not all homeowners recognize the impact that choice of heating fuel can have on both their wallet and the environment.

According to a study by the Mayo Clinic in 1999, nearly all chronic sinus infections are the result of mold. Mold is a tenacious substance that takes root in the presence of moisture. According to the Centers for Disease Control, "There is always a little mold everywhere -- in the air and on many surfaces."

Paperwork can pile up and lead to clutter and disorganization. Although it may be tempting to trash it all, that approach can lead to expensive results. On the other hand, many people keep a lot more paperwork than necessary or keep it for longer than needed.

Black mold, or Stachybotrys atra, should be treated the same as all other molds with regard to health risks and removal, according to the Centers for Disease Control and Prevention. All molds may pose risks for people with allergies and allergy-induced asthma.

Transferring a mortgage to a spouse is a significant financial move. It is most commonly done during a divorce--if one spouse owns the mortgage but the other will receive ownership of the house through divorce proceedings, the mortgage must be transferred over.

Even if you're an adult, the death of a parent can represent a significant financial burden. Even self-sufficient adult children might find themselves on the hook for their parent's debts, for funeral expenses, and looking for ways to make up for productivity they lost while grieving.