Debt, the mere thought of it can keep us awake at night, make us feel ill and drive us crazy with the phone ringing from debt collectors. Take heart, there are some very simple ways …

FORCLOSURE & SUB-PRIME MYTHS It’s amazing to me to listen to the comments made by alleged professionals in the financial industry and how quickly the press endorses it without any research in to the real …

A money merge account is a special type of home equity credit line for your home. Your paycheck is directly deposited into the account at the end of each pay period and the account determines …

Liability insurance determines coverage using two different approaches known as claims-made policy and occurrence policy. Typically, insurance programs include both policies as part of their risk management provisions. However, each policy is triggered by different …

How to buy the correct amount of coverage for your condo unit Many condo associations now require individual unit owners to carry their own insurance for their units. Insuring a condominium unit is a little …

An insurance policy such as an automobile or home policy can have either a semi-annual or annual term that can be renewed at the end of the policy’s term. An insurance policy renewal can be …

Is the Second Amendment really about personal gun ownership? To answer this question let’s start by getting a feel for the context in which these Rights were given by taking a look at the portions of …

Debt can weigh you down like nothing else in life. Too much leads to a low credit score, higher interest rates, and fewer financial opportunities – which can then lead to even more debt. It will remain …

Auto insurance is a contract that is constantly misunderstood and truthfully it can be complicated to a point that reading stereo instructions in another language make more sense than reading an Auto Policy. Looking over …

Bridging the Between Gap For 18 or so years, your parents raised you. They gave you a home, clothing, food, and love. They carried you to soccer games, plays, slumber parties, amusement parks, and a …

The holidays are a magical time of year, but they are also a time of irresponsible spending. Many drive themselves into debt with the price of presents, decorations, vacations and other holiday expenses. If you …

Your definition of financial success may not be the same as that of somebody else, but they will all have to do with the management of money and other assets in such a way that …

If you’re unfamiliar with a real estate rehabber, this refers to someone that purchases a property with the sole purpose of fixing it up, renovating it, or otherwise upgrading it in order to sell it …

Saving money on your next car deal depends on how you are ready to approach the situation? Are going to pay cash? Are you going to buy used? Do you have a rapport with the …

You may have heard the saying, “pigs get fat but hogs get slaughtered.”  This saying is essentially preaching the pitfalls of greed.  However, in real estate, greed in moderate amounts is good.   Because there are …

One of the biggest challenges today is finding and preserving jobs. We do this by supporting local businesses, big and small, that hire people in our communities. For many businesses, that rely largely on the …

Accident is an unpredictable event. It happens when an automobile collides with anyobject that causes damage. The object could be a falling object, another vehicle, a stationary object such as a pole, tree or building. …

Teaching children about responsibility involving money while they are still young are lessons that will benefit them both in the present and in the future. Children as young as three years old are old enough …

If you thinking that the only health insurance available to you is Medicare, think again. There are other health insurance products that may help keep you health insurance costs down and add some enhance coverage …

There are so many worth while causes to help and fight for and so many people who need help. It’s a tragedy that the money to help take care of each and every worthy cause …

Dealing with an insurance company when addressing the issue of a water damage claim can be an easy process if the channels of communications are open. First of all, never try to find an answer …

Experts say it is best to invest as early as possible in your life. Financial planning in your twenties is good way to make secure your financial future at a steady pace. There are many …

At some point in our professional lives, we’ve heard of or have been a participant in our company’s 401k plan. As a Chartered Retirement Plan Specialist, I’ve had the privilege of visiting with different businesses …

Spending on groceries can really take its toll on individuals and families alike, especially when we all already have countless other expenditures to worry about, including bills, taxes and mortgages. What more with the prices …

Corporate organizational structures are ever evolving when it comes to modern businesses. In the past there were plenty of small scale family owned businesses, however this has rapidly changed with the increase of multinational companies …

With the collapse of the real estate and construction market still grinding in the back of our minds, the question as to whether it is time to invest is difficult to answer. We have seen …

Using a credit cards and piling up a huge debt is very easily done. It is basically down to the fact that we are not actually “feeling” the weight of the money, when using the …

In this tough economy, finding easy ways to stick to a budget is not such a simple task. However, whether from sheer necessity or as a logical way to monitor your finances, smart budgeting is …

When you pay your taxes,you are paying to the government for a minimum of services that it has to provide to you. Among those services there are some that are basic and priority needs: HEALTH …

If you find yourself in a car accident, here’s what to do to protect yourself and make sure that everything gets taken care of. Be Prepared. Always carry a cell-phone with you when you’re driving, …