For the first 32 years of my life, I gave absolutely no thought to long-term care insurance policies. By the time I turned 33, I was thankful my grandparents had the foresight to purchase a policy. Both were diagnosed with probable Alzheimer’s disease and my father, their only son, was struggling with cancer and dementia symptoms of his […]
Why Do I Need a Long Term Care Insurance Policy? Read More »
One of the hot-button political issues of the day is health insurance. Personal responsibility is a big issue in the current debate on Healthcare Reform. One side believes that the cost of healthcare should be spread evenly among everyone. It sounds fair and reasonable if everyone took care of themselves but the other side says
Navigating the Politics of Health Insurance Read More »
Teenagers are statistically more likely to be involved in a car accident than any other group of drivers. Because of their increased risks, teens are more expensive to insure. Unfortunately, that usually means that their parents are stuck with high premiums for several years until the teen leaves home and begins paying for insurance on
Teen Car Insurance Discounts to Save You Money Read More »
Is Life Insurance For Everyone? In today’s economy and society, life insurance can be a necessity. Unfortunately, about 40% of American families don’t have individual life insurance. But for families living on the edge financially, life insurance is especially important because if the family was struggling financially with the primary money earner how much more
The Life Insurance Safety Net Read More »
Whether you’ve just purchased your first house or you’ve built up some equity in your home, there’s no doubt about it: home ownership is expensive. Because of this, it’s tough to want to add the additional expense of mortgage insurance to your monthly bills. However, you shouldn’t rule it out without doing some research. 2
2 Types of Mortgage Insurance Read More »
With the price of Gold rising and the ability to sell gold jewelry almost anywhere for quick cash, jewelry is increasingly becoming the target of choice for home invaders. Although many pieces of jewelry may be fairly expensive, these can be replaced. But there are also items that are irreplaceable when their sentimental value is considered. With
Home Security Tips to Keep Your Jewelry Safe and Secure Read More »
Editor’s Note: My friend Mike just told me about how his car insurance premiums were creeping up every year until finally he decided to shop around a bit. When he told his insurance agent he was shopping around “amazingly” the agent was able to significantly reduce his premiums. Shopping around pays, even if you don’t end
Car Insurance Savings That Most Drivers Overlook Read More »
Some people may feel a little guilty for having done well and prepared for their retirement. Often Christians feel this way due to a mistaken interpretation of 1 Timothy 6:10 about the “Love of money being the root of all evil”. However, there’s no need to feel this way. The Bible also says in Proverbs 10:22 “The
How To Retire Comfortably Without Guilt Read More »
This weekend I was driving on the freeway and my tire exploded. I was in the furthest left lane and had to cut across four lanes and park on the shoulder and wait 45 minutes for a tow truck. Cars were flying by only inches from my car. It was unbelievably scary; I didn’t want to
Car Insurance Lessons for Young Adults Read More »
Mortgage Insurance Premiums If you are buying a new home but don’t have a 20 percent down payment, your mortgage company will require that you have mortgage insurance. The major disadvantage of mortgage insurance is that you as the borrower pay the premiums but the benefits go to the lender. If a borrower defaults on a loan, mortgage insurance pays funds to
Should I Roll My Mortgage Insurance Premiums Into the Loan? Read More »
You’ve probably heard that investment plans and financial schemes like, IRAs and 401 (k), are the best ways to plan for retirement. This might be true in most cases, but not always. For instance if you have invested your maximum contribution for the year to your retirement account and you’re seeking to add a bit more more. What can you do? In this case, among others, investing in a retirement
Is a Retirement Annuity the Answer for your Retirement Savings? Read More »
By Stefan Mustieles Many of us are looking for ways to shave off a few vital pounds (or dollars)Â from our monthly bills, without sacrificing on quality. This is particularly the case with recurring expenses such as buildings insurance and contents cover. Buildings insurance covers the fabric of your home. If, for example, a tree fell
Don’t Cut Corners On Your Home Owners Insurance Read More »
