The question is, are the benefits of life insurance worth the high premiums? The answer is yes, but then again, it depends upon age and other conditions like health that could affect the premium, and …

Having a good, comprehensive health insurance plan is extremely important. If you don’t have a good health policy, your life could be pretty miserable. Imagine being seriously ill. Your appetite is gone. You’re depressed a …

Burton G. Malkiel writes in his book ‘A Random Walk Down Wall Street’ that ‘ the attempt to predict the future course of stock prices and thus the appropriate time to buy and sell a …

After the holidays, many find themselves in debt from over-spending.  Reducing post-holiday debt takes motivation, planning and perseverance.  What are some strategies to manage the post-holiday debt mess to consistently reduce or even pay off …

Debt can cause much stress in your life.  Not being able to control your debt or not having a plan to get out of debt can play havoc with your overall financial management picture.  As …

For most people the largest monthly bill they need to pay is their mortgage payment. There are several ways to reduce mortgage costs which will reduce the total amount which you repay to the lender …

A bearish market is the kind of trend that most traders and investors dread. Stock prices are falling resulting to fear and panic. However, a bearish market is not as bad as it really is. …

The big outfits in car insurance spend a lot of money on advertising, especially television advertising. Every company claims to have the lowest rates. Obviously, that cannot be true. Are their ads dishonest or just …

Apartment renters insurance is a type of personal property insurance policy that was developed for renters as opposed to home owners. A renters policy generally covers the contents of an apartment, provides for liability protection …

We are all looking to save a buck or two.  This is especially true in today’s economy. One way we can all save is by using coupons.  Coupons are discounts given from manufacturers, online sources or merchants printed on …

Back in 2005 a friend of mine received a letter from the IRS shortly after he filed his income taxes for the previous year. He discovered that four people had been working under his Social …

Two facts remain true about food: it is necessary to eat, and it is not just expensive but getting more expensive every day. So how can you eat well and healthy while staying within your budget? Remember, …

There are many free online budgeting tools that you can use to create or track a budget.  However, sifting through them to find a good one can be tricky.  Below are some websites that list …

Identity theft crimes are growing fast nowadays. It can definitely be a stressful and frustrating process to go through when someone steals your Social Security number, and when that information is misused to commit fraud …

Prepaid cards are one of the most expensive con tricks which banks have managed to pull off in recent times, yet millions are signing up to use them. Granted they provide an alternative option to …

So you want to find the right tax attorney? Before you put your hand in your pocket and spend your hard earned cash, stop and consider your options. Your first port of call should be …

Not everyone is fortunate enough to have a job that comes with a benefits package and with the economy being what it is, not everyone can afford good health insurance. Research has shown that people …

Car insurance rates can be expensive! Since it is something that you must have in order to legally drive your automobile, you might as well save as much money as you can, especially when doing …

Home loans come in many sizes, shapes and forms. There are home loans sponsored by various homeowner development programs, second mortgages, home equity loans, 30 year mortgages 30 year with 15 year balloon payment home …

If you carry on trade or business as a sole proprietor, an independent contractor, or as a member of a partnership, S-corporation or Limited Liability Company, you are considered by the IRS to be self …

In the summer months, the days grow longer and warmer. Making the most of the longer days usually means staying up longer, which in turn can use more energy and cost us more. The easiest ways to save …

Bank accounts are a virtual necessity in the modern world. Unfortunately, banks know this. They know exactly how much you need that bank account, and they can take advantage of this need by charging a …

Man of the Year? It’s not Los Angeles by any means, just a small town, in middle America. I heard tell that one of our most recently recognized “Man of the Year” title holders was …

Just because you own your own business does not mean you cannot enjoy the benefits of health insurance. There are millions of Americans and Canadian business owners who are not aware of this fact and …

If in fact we value human life, as we say we do, answering this question is a “no-brainer.” It is incredibly sad to see a country like the Unites States waste millions of dollars on …

There is considerable debate over the merits of an adjustable rate (AR) loan compared to a fixed-rate loan when it comes to saving money on them. This is because each type of loan can be …

When the housing bubble burst and house values fell, many were left paying mortgages which exceeded the value of their homes. Inevitably mortgage defaults and foreclosure rates rose. The financial consequence to those who default …

Over in England we have a National Health Service which up until around 10 years ago was a very good service. Unfortunately, it has had to cope with the ever increasing population of this country, …

Ever since I can remember, I have always had a knack for finding a deal when I’m shopping. Whether it be in the grocery store or in a high end boutique, it seems there is …

Everyone knows the importance of a good credit rating. A good credit rating allows consumers to have credit cards, purchase large items over a period of time, diminishes security deposits, and can even reduce the …