Several persons form opinions about life insurance without realising how varied life insurance plans are. The variability among life insurance plans extends to the supplementary benefits offered with them. Some insurers even combine life plans …

Most teens take on summer jobs for two reasons. One is to earn enough money to enjoy vacation fun to the fullest. They also work to save some of that summer money for school and …

I recently paid off a bank loan in November of last year….. it was such a great feeling that left me 155 better off a month which I have now ploughed into my credit card …

Lowering your mortgage payment is one way to reduce overall spending. However, you owe it to yourself to spend time investigating the various methods available, to ensure the greatest benefit and avoid wasted time. The following …

Many employers offer a retirement savings account as a benefit for their employees. There are several versions but the most common is called a 401-K, after the section of the IRS code where it is …

Whether in the thralls of economic recession or enjoying financial prosperity, no one wants to pay for television. Television has become so mundane that some people can’t seem to imagine life without it. This feeling …

Evaluating the potential risks and rewards of an investment is critical in accruing wealth over time. It is important for investors to figure out which stock will perform better and will increase its value. Similarly, …

The key to saving money on life insurance is to lead a healthy life. That means eating healthy, and avoiding dangerous risks. It really doesn’t get any simpler than that. A life insurance company is …

In today’s economy, establishing a debt-free lifestyle is one of the greatest things that you can do for yourself.  It takes time and patience, but is worth it as you never have to worry about …

Christmas is not only a season of giving but is often a season of increasing personal debt. Many people go overboard with their Christmas spending. There are expenses on everything from the items for the …

FHA Cash-Out Changes Effective January 1, 2009The FHA is continuing their trend of change from 2008 to 2009. Last year the guidelines changed very quickly and this year the same trend is in effect as …

Planning for a successful retirement involves the consideration of numerous issues. Financial planning is, of course, a number one concern, especially with the economy spiraling downward and the prospect of a prosperous economy being years …

Preparing for an untimely demise not only puts your anxieties to rest but allows your loved ones comfort in their time of need. Having your final say so in what happens to your estate can …

One of the most important steps to retiring is to pick the right financial adviser. This is second only to getting a lawyer in importance. There are a lot of financial advisers out there and …

In these difficult financial times it can be a challenge to find the proverbial “silver lining.” Economic data gets worse and worse, unemployment creeps higher, credit markets continue to tighten and the stock market plunges. …

People have the right to bear arms under the Constitution of the United States of America but, since many U.S citizens profess to be Christians, I would like to ask, ‘Does God give Christians ‘the right …

In these tough economic times there are all sorts of opportunities for people who are willing to look for them and take advantage of them. One of the most exciting opportunities around is finding properties …

President Obama recently rejected the turnaround proposals of troubled American auto industry giants General Motors (GM) and Chrysler LLC. The two companies sought additional federal bailout money but were rebuffed by the Obama administration which …

What Should I Do If I’m In A Car Accident? It’s a beautiful day and you’re driving down the road taking in the scenery. The wind blows through your hair and the breeze feels good …

Stock markets, mutual funds, and foreign exchange are not the only types of investments that you can make. Investing in real estate with a purpose of making a profit is another common investment. There are …

Although the application of correct VAT rates to particular goods or services may seem to be a straightforward matter, this is not such a clear-cut issue if different types of goods or bundled goods and …

Foreign exchange currency trading is simple yet never easy. The number of people losing money is much more than people who succeeded. In fact, the rate of losing money is higher than making a very …

Bear market is basically a term used to describe a market condition. Bear market is a state of depression or decline in market prices. It is also known as a period of recession or decline …

An energy improvement mortgage (EIM) is a mortgage taken out to finance energy-saving measures in the home. Examples of EIM uses include replacing older appliances or installing extra insulation. It can be combined with the …

Condominium owners face the same risks as every other type homeowner, therefore, the proper amount of insurance coverage is essential in protecting their assets. Although most condominium associations are required to carry hazard insurance protecting …

Saving can be a hard habit to adopt but the rewards of building a healthy financial portfolio are too great to quantify. Of course, your personal outlook has a direct impact on your attitude towards …

Currently only 3% of Americans actually pay cash for their vehicles, everyone else gets financing of some sort, whether it be a lease, a traditional auto loan through a bank, or financing through the dealer. …

Credit is a real temptation in today’s society and modern life.  At the time of our ancestors credit was mainly given out to entreprenurs after meeting certinal eligibility requirements by the banks such as having …

When an exceptionally wealthy business man was asked on television the other day if he did it for the money, he said no, money is just a way of keeping score. Money in this day …

Insurance companies could do themselves and their policy holders a lot of good by trying to ensure health as well as insure it. These ideas apply equally to health insurance and life insurance, and are …