Lower Energy Costs More and more consumers today are looking for ways to lower their energy costs. Most know to have windows and doors checked to ensure that there are no air leaks in their homes and many take the initiative to have new energy efficient heating and cooling units installed. Many also replace their […]
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Grocery Budget – No Wiggle Room? Many people have the mistaken belief that your grocery bill is something that has little to no wiggle room. After all, your family has to eat, and skimping on food isn’t really an option. However if you’re spending a good percentage of your income on grocery bills each week
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Term vs. Whole Life Insurance Let’s start with Whole Life, a type of insurance which, like its name suggests, is designed to cover you for the remainder of your life. The idea with Whole Life is that though you pay more than you would with Term Life, the extra money gets invested for you by
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Home Energy Savings With the current world economic situation as it is, it’s no surprise that energy costs have been dramatically fluctuating over the last few years. From being relatively stable to now rising and falling quite quickly, it can not only be hard to keep up, but also hard to estimate a reliable energy budget. For
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Peer-to-Peer lending This form of lending is the oldest form of lending. Originally it was borrowing from family members or members of your local community but times changed and professional money lenders developed. Over time, these money-lenders became banks. But today with the global communications network things have come full circle. Peer-to-Peer lending is a
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Homeowner’s Insurance When you decide to renovate, you need to take into account how the renovation might affect your homeowner’s policy. Each situation is different, and you will want to review your individual policy to ensure that the changes will be covered. However, there are some common ways that homeowner policies and insurance plan might
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Electricity Contracts You might not know when you start-up your small business about the range of options that are available to you for your utilities, especially for electricity and gas. Sometimes, it can be quite difficult to decide, and normally, people just go with the company that they’ve always been with, or they pick whatever might
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Car Insurance Quotes When the time comes to either switch your car insurance coverage or get coverage for the first time, insurance companies are tripping over themselves to offer you the “best quote”. When rates change and you could be enjoying significant savings by upgrading or changing your coverage, however, they aren’t as forthcoming. Car
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Teach Children About Money By Contrarian Investing Sow a thought and reap an act, Sow an act and reap a habit; Sow a habit and reap a character, Sow a character and reap a destiny! As children grow, they are constantly observing people and things around them. This observation power increases over time and they try
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Your Family’s Budget Manager Big-name talk show financial planners proclaim, “Run your family like a business!” In following their advice, it is best to take clues from common problems and then adapt techniques from small business accounting. Learn from the ugly “before” pictures “Draw practical conclusions from data about how families fall apart,” Jennifer Belknap, a
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Know Your Charity The Bible mentions the poor 221 times. In verses such as Proverbs 19:17 “Caring for the poor is lending to the LORD, you will be well repaid.” and Proverbs 21:13 “If you won’t help the poor, don’t expect to be heard when you cry out for help.” So we know it’s a great idea
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Financial Planning and Budgeting Very few people in today’s economy would be confident telling you that they have their finances under control. For many people, it is a daily struggle just to pay the bills, much less put anything away for savings or investment. If you are having a hard time with your finances, there
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