As a former producer from a popular well known Insurance company, the topic of who should pay a teenager’s insurance has come up quite a few times.  From my experience of what I have seen, …

Driving is expensive; all you have to do is look at pump prices to see it. There is plenty of advice out there on how to save fuel, some of it good, a lot of …

Resolving claim disputes can become a waking nightmare to the layperson who understands little about health insurance, attempting to translate legalese into English. Frustration escalates, tantamount to an all-out surrender. “I give up! What does …

The purpose behind a pay day loan is emergency use for a one off financial crisis. Those who wish to borrow must be on a regular monthly income either through employment or social security. They …

With prices rising everywhere you turn, saving money is one of the best ways to stick to a personal budget. Keeping your grocery bill at a reasonable level can be a difficult task, and with …

When you apply for health insurance, either on your own or through your employer, you may be asked to report any “pre-existing conditions” you have. It is very important to understand how the concept of …

Few people are the ones who manage their finances properly on a regular basis. Most people  have experienced difficulties at least one time in their lives. For others, financial problems are always there and bad …

One of the biggest decisions you will need to make when you’re considering a new major purchase is to buy new or used? Whether it is recreational toys and accessories, practical appliances or automobiles, there …

Managing your personal finances is a challenging, never ending task that requires a firm understanding of certain things that you need to pay attention to. Once that goal is accomplished, you can them move on …

Imagine how you’ll feel when you are free of your debts. Picture yourself writing the check that pays off the last of your debts. Feel the emotions of that action. Believe the picture. You have …

Choosing the right motorcycle insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although Colorado requires only …

I was a debt collector for two years. When I lost my job, I became the debtor on the other end of the phone. What can a debtor do to best deal with a debt …

“Free t-shirt!” I remember my freshman year of college walking by a booth with t-shirts, operated by a couple of people roughly my age shouting “free t-shirt” every few minutes. Out of curiosity, I joined …

Dealing with issues of mortality can be uncomfortable for anyone. After all, death is a painful and finite subject. Few people like to think about the fact that they will die someday, but the truth …

Investing in penny stocks could be rewarding but the risks are enormous. Penny stocks are shares that are being sold by a small company and whose price is normally less than $5. These stocks are …

Taking the time to do some research will pay off greatly in the end. Credit card offers come and go, and some appear much more lucrative than others. Credit card companies prey upon naive dupes …

A step up in cost basis can dramatically affect taxes because it amounts to an increase in the value of wealth passed between deceased and living persons. The step up in cost basis regulation is …

Mortgage rates can either be fixed for the duration of your loan or can be adjustable. An adjustable rate mortgage is a loan that is set up with an interest rate that changes based on …

What’s the best way to motivate Americans to save, invest and prepare for retirement? Some behavioral-finance experts suggest using a carrot. Others suggest using a stick. And still others suggest using a combination of carrot …

All my life I’ve scoffed at the hoards of shoppers who bought into the hype of Day After Thanksgiving sales. I’ve always treated that Friday as a day to hide in my house, in my …

In the current economy, more people are running into difficulties paying their debts. One result of people being out of work for extended periods of time is that collection efforts have been stepped up by …

At a time when everyone is looking for effective ways to save money, one of the easiest and most cost effective ways may be no further away then our computer keyboards. There are many sites …

If you have several outstanding federal student loans and you find yourself struggling to make the minimum payments, you may feel overwhelmed by the debt. Federal student loan consolidation may be a viable option for …

As the end of another year approaches, that is also a time for making plans for the coming year. People want to do what has been successful for them. At the same time, people want …

In today’s marketplace one of the most complex contracts to understand are health insurance contracts. Just the sheer thought of a health insurance contract is enough to make most people cringe; however, it is not …

What started out as a perk by many businesses to attract good employees who would stay with a company long enough to be worth the expense of his training and bookkeeping while providing a lower …

A government sponsored enterprise (GSE) is a federally chartered entity subject to specific government mandated purposes. GSEs existed throughout much of the twentieth century and continue to in the twenty first century to facilitate liquidity …

Many people across the nation have had to deal with a debt collection company at some point in their lives. The debt collection industry has been reprimanded numerous times in recent years for forceful collection …

Money is an answer. That’s right. Ancient text revealed a lasting truth that remains to this day: money answers all things. It’s true. We use money to buy things. People are paid for their services …

What Kind of Insurance You’ll Need for a Condo Before discussing the importance of purchasing condo insurance, lets define the word condominium as it relates to home ownership. Condominium is a legal term describing a …