Many people prefer term life insurance policies to “whole life” because you get maximum insurance for the money 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 […]
Whole Life Insurance Policies and Bankruptcy Read More »
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
Earning More Money is Not the Answer Read More »
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
Making an Investment Read More »
PPI Claim- U.K. Finances Payment Protection Insurance (PPI) insures the subscriber against the inability to pay credit-based debts due to illness, unemployment, death, or disability. While PPI is helpful for some borrowers, in recent years it has been sold under false pretenses, with misinformation, or through coercion. If you are a victim of such sales
Do You Have a PPI Claim? Read More »
Buying a home is a joyous and life-altering event that should not be taken lightly. That said, it is important to make sure you do not get in over your head when you buy a home because the consequences can be devastating. You certainly do not want to end up losing your home simply because
How Much House Can You Buy? Read More »
Rebuilding Your Credit A foreclosure is often believed to be the worst thing that could ever happen to your credit score. While there is little doubt that it will damage your credit score considerably, the good news is that YOU CAN Rebuild Your Credit Score. In fact, your credit score can start to rebound in as
Rebuild Credit After Foreclosure Read More »
Short-Term vs. Long-Term Loan A loan is a principal amount that is received by the borrower from the lender as a debt for a certain period of time for the repayment of the principle with an assigned interest. Loans can be provided by financial institutions, banks, peer-to-peer, etc. Loans differ by their features such as
Short Term Loan vs. Long Term Loan – Which One to Choose? Read More »
Funeral Insurance Have you ever heard about funeral insurance? How is it different from Life Insurance? Having life insurance or health insurance is a common thing, but not many people are aware of the existence of funeral insurance. It may not be a pleasant topic but it happens to everyone and the more preparation the deceased makes,
What is Funeral Insurance? Read More »
Credit Cards Hundreds of credit cards are available to you as a means to borrow money. Each credit card has varying qualification criteria, interest rates, and yearly fees. The average interest rate for a credit card is 16.97%, which is pretty hefty. Additionally, some credit cards charge a yearly fee of $19 to $150. Cash-back
Credit Cards That Pay You Cash Read More »
We all go through periods of time where we realize we need to start watching our expenses. I know firsthand how difficult it can be when you realize your account balance is lower than it should be. My family lives on a tight budget, and although we are immensely happy and healthy, the issue of
3 Easy Tips to Cut Expenses Quickly Read More »
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 light bulbs with fluorescent
The 2 Easiest Ways to Lower Your Home’s Energy Costs Read More »
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 and
Budgeting for Groceries Read More »
