Individual Dental Insurance- Dental insurance is available in indemnity, PPO and HMO plans. Most people wonder whether it is really necessary to have individual dental insurance since visits to the dentist are sporadic compared to other doctor’s visit. Indeed, most people visit the dentist when in need of urgent services such as extraction of a tooth, […]
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Home Loan Refinancing- There are several reasons why you may consider refinancing your home loan. Interest Rates May have Fallen Your credit score may have improved You may want to change to a different kind of mortgage Benefits of Refinancing your mortgage. Securing Lower Interest Rates The #1 reason most people decide to refinance is to lock
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Money Market Mutual Funds- Most investors today are seeking safe harbor for their cash. Something that is safer than the typical savings account, yet more flexible than a certificate of deposit (CD). Historically, placing funds in a regular savings account was good advice, as banks offered both safety and a healthy interest rate. However, these days’
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Retirement Planning- No one likes running out of money, least of all when they are retired from work and no longer are earning a salary. Although we do of course have social security which (we hope) will provide a basic income, this barely offers enough money to cover the basic, essential spending. Most people will
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Financial Planning Insurance planning, risk management, Estate Planning  and retirement planning are all essential aspects of personal finance that you shouldn’t take lightly. You need to calculate how much you’ll need to retire and be sure that the amount you come up with will allow you to maintain your standard of living. Next, you must define your risk tolerance and put
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Road Hazards From summer’s sudden thunderstorms to winter’s sustained barrage of snow, ice and poor visibility, the open road is a dangerous place in any season. While you’ll never completely be able to eliminate the risks associated with driving, you’ll be far safer if you’re prepared for what’s coming around the bend. 1. Animals For
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Save on Car Insurance- It’s rare to find someone glad to pay insurance costs… until they have a claim. Then suddenly car insurance is the greatest thing since sliced bread…provided good choices were made on coverage options and deductibles. Physical damage coverage: Do you do really need it? Physical damage coverage fixes or replaces your car from
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Many people prefer term life insurance policies to whole life, because you get maximum insurance for the amount spent. However, one benefit that whole life offers that is often overlooked is an exception from bankruptcy. If you are forced to declare bankruptcy, you can usually retain at least a portion of your life insurance proceeds and value, though it
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Adequate insurance is not a luxury; it is a necessity. Unless you are among the independently wealthy and can afford significant losses due to illness, theft, disaster, car accidents or an unexpected death in the family, insurance is a necessity of modern life. Even the wealthy protect their jewelry, homes, cars and larger assets with insurance against loss
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Attend Community College Sometimes community colleges are viewed in a negative light. The implication is that the education provided by community colleges is inferior, and that people who attend such institutions will be disadvantaged when they switch to a four year school. However, these perceptions are for the most part false; the education offered by
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Earning More Money… How much more money would you have to earn to get out of debt? 1%, 5%, 10%? Almost everyone who is in debt says the same thing… no matter how much they make it is the same… if I only earned 10% more money I could get out of debt. But the fact is that
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Choices- Making an Investment Bad Investment Choices Everyone enjoys hearing about a skyrocketing investment. But, the more common story is an investment that ended up losing money. A good investment is one where the principal is maintained and there is a steady increase in capital. Bad investments are ones that end up losing money. These
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