Having adequate homeowner’s insurance is important because it will cover you if something happens to your home/belongings. Having appropriate coverage when you buy your home can give you peace of mind and protect your investment. For example, dog bite injuries are common and happen more often than you think. And as a homeowner you are […]
4 Tips to Lower Your Homeowners Insurance Costs Read More »
You’re driving along the road of personal finance; your sweetie is in the passenger seat, and WHAM! You hit a pothole. Unfortunately, that’s what often happens not just in a car but in a family budget. Many people don’t discuss money while dating, so it’s a big thing when it comes to marriage. You want to make
Money Potholes on the Marriage Road Read More »
There are several major components of car insurance including “liability”, “collision” and “comprehensive”, in  a nutshell,  liability covers you if someone sues you while the others cover the repair or replacement of your vehicle. see Car Insurance Terminology for Newbies for more details. Recent studies have shown that often vehicles are over-insured. It is rare to hear this from an insurance company
How Much Car Insurance Do I Need? Read More »
When it comes to looking for a new home, some people don’t know where to begin. This is especially true for new families with babies and small children. The information below may help a new family find a good home in a timely manner. 1. Do Not Rush the Situation If your family wishes to be
House Hunting Tips For New Families Read More »
One common misconception is that estate planning is only for those who are wealthy or have a large amount of assets to their name. Though not a pleasant topic, some basic estate planning is essential to ensure that your family is not faced with the hassle of court appearances and legal matters when you are
Planning Your Estate: 6 Things To Remember Read More »
Most Americans support the idea of going back to school in order to expand their career choices. Whether it is a certificate, a bachelor’s degree, or even a Master’s degree getting an education improves one’s skills and knowledge and is often the only way to enter a profession and yes, even get a chance at earning more.
7 Reasons to Go Back to School Read More »
A recent Gallup poll determined that, 42% of low-income respondents will rely on Social Security and part-time work to help them through their “golden years”. Surviving on Social Security alone is difficult if not impossible but unfortunately many are relying on it. Other countries have similar results, for example in Australia government pensions are still
Optimizing Your Pension Choices for Approaching Retirement Read More »
Everyone is a shopper. We shop for groceries, clothes, cars, and electronics. Before the advent of the Internet, shopping was mostly done by visiting the stores or the malls. Catalog shopping was around but it wasn’t as popular as going to the actual store. And with the internet, online shopping has become big business, even
Why I Love Shopping Online Read More »
Up until recently, I had never heard of a life insurance settlement aka. “Life Settlement”. That is because up until the beginning of the AIDS epidemic, the idea wasn’t really very popular. But at that point, a lot of people knew that their life expectancy was short and needed money for medical treatment but really
What are “Life Insurance Settlements”? Read More »
Recently we’ve been discussing bankruptcy but in the U.K. there is an alternative called an Individual Voluntary Arrangement or “IVA” which is a formal alternative for individuals wishing to avoid bankruptcy. Basically it is a structured repayment plan which may allow partial foregiveness of your debt. How an IVA Works The debtor’s income (A) and
Can I Overpay My IVA? Read More »
History is full of examples of governments who when they can’t pay off their debts, begin to confiscate private-sector assets. The most recent example is Cyprus. After the close of business Friday, March 15th, 2013, the government of Cyprus declared that they were going to deduct 6.75% of every bank account of less than €100,000
Will the U.S. Government “Pull a Cyprus”? Read More »
Choosing the “best” credit card is like asking what is the best city to live in or the best kind of ice cream. It is not a one-size-fits-all all proposition. There are a lot of different factors to consider and what is “best” for me may not be “best” for you. In some ways, the
What is the Best Credit Card? Read More »
