While shopping for life insurance can be a hassle, and no doubt less than enjoyable, now is a perfect time to consider purchasing coverage. With the added competition between companies, prices are reaching all time …

In all of life’s endeavors, there is no substitute for a positive attitude, but I readily admit that I would have written an entirely different article on this subject two short years ago. As we …

Marriage is a huge decision and an exciting time in anyone’s life. It is easy to get caught up in this excitement and focus on the ceremony and reception. However, sometimes couples are so focused …

Used sensibly credit can be beneficial. When used irresponsibly it can certainly lead to the downfall of individuals, and eventually society if enough members proceed to use credit unwisely. The current downturn in the economic …

There are important changes you must be aware of if you want to buy a home in 2009 and beyond, and plan to use a federal program such as FHA to do it. The Federal …

Interest rates and forecasts of their future value are important inputs into an investment decision. Following the lowered interested rates by the Federal Reserve, new financial institutions emerged and competed with the existing lending institutions …

In recent years it has become increasingly difficult for first time buyers to get onto the first rung of the property ladder, as house prices have continued to rise. Many have stretched themselves too far …

In the UK there are really two different types of saving accounts. Firstly there are standard saving accounts, and then there are ISA saving accounts. ISA stands for Individual Saving Account and they provide the …

A good number of people are currently beating their heads against the wall trying to get every penny back that they can in a refund from the IRS for Federal personal income taxes they’ve had …

These days it seems to be increasingly difficult to hold on to your money. Working never seems to bring enough of it in and going out deprives you of too much of your hard earned …

For some people the idea of getting a personal loan might seem like an impossible thing to do, particularly if they have either no credit or bad credit. While these situations don’t make getting the …

There are many misconceptions and myths associated with homeowner’s insurance. Every year, many people lose their homes and belongings due to beleiving in these myths, and many others are sued in civil court for injuries, …

Insurance agents can be either a captive agent or an independent agent. An independent agent can write business with more than one company, earns a commission on each policy they sell and are able to …

The United States Supreme Court is the judicial power of the United States. The Supreme Court is responsible for interpreting the United States Constitution. The United States Constitution is also responsible for ensuring that federal …

Real Estate is a business that investors are constantly using cash flow investing.  Cash flow investor seeks out rental property that will provide rental payments that are more than the property’s expenses. Positive cash flow …

You are 62 and you have a good job and you might be self-employed. As a result you have no intention of retiring from the work force at age 62, or even when you are …

A debt-free holiday is like a gift to yourself. There are many different steps that you can take to accomplish such a feat. Make a budget A lot of people go into debt unknowingly. They …

Life insurance premiums don’t have to be expensive in relation to the coverage you receive. This misconception stems from many consumers’ poor experiences with life insurance agents who are more concerned with their commissions than …

Having a financial plan is key in being responsible with money. That responsibility can help a person gain good credit, save for a vacation, fix up a home, or just pay the bills on time. …

No matter how much money you make money management is essential. When people run into financial trouble it is because they have poor money management skills. Most of the lack of money management skills is …

I am not here to judge anyone, but to simply state some facts that have become blurred as of late.  First off lets draw some parameters.  If you choose to have an abortion as permitted …

Real Estate investing is not nearly as legally complicated, financially burdensome, or time consuming as you might think. In fact, it is easy to add raw land, shopping centers, apartment complexes, and private homes to …

The pros and cons of univariate analysis Univariate analysis is a type of quantitative analysis. It is performed using just one variable. For example, if the variable age is the subject of the research, then the …

Retailers are dropping like the proverbial flies. The stock market is on a slippery down-slope right now. This is one of the more dangerous times to invest in retail-related stocks. This does not mean that …

Finding good home-owner’s insurance used to be a mind-boggling chore, requiring a telephone book, a pad of paper, and several days of effort. The thought of going through that process again in order to switch …

The cost of living is defined as the average cost of the basic necessitiesof life such as food, shelter and clothing. These are your basic needs which are what a person has be concerned about. These necessities …

Because you will not have much more income after you retire, an important thing to consider is what states you can live in, and save as much as possible on taxes. Here is a review …

Two forms of insurance come to mind when speaking about mortgage insurance: (1) private mortgage insurance and (2) mortgage life insurance. The only thing that these two types of insurance have in common is that …

Financial planners are instrumental in establishing your financial foundation and securing your retirement but at some point, they really aren’t that necessary. Financial planners serve as a guide for you to manage your finances well, …

“That’s how you do it,” Jeff said as he pushed against his desk and shot across the aisle into my cubicle. Once inside he picked up a copy of my rate sheets. “Why do you …