Mary Tomkins Why do you need life insurance and how much do you need? Life insurance is to provide your family with income in the event that you are no longer around to provide it. Generally, a person’s life insurance needs are low when they are just starting out with no dependents, increase as they become responsible … Read more
Many Americans live paycheck to paycheck. We juggle our bills based on our next payday. We’d like to save money, but it seems there’s never anything left over to save. There’s only one way to ensure we have the required savings for future needs, and that’s to plan for it. By creating and adhering to … Read more
There are three important factors to consider in any type of savings or investment: 1) Safety – The protection against partial or total loss. Money deposited into a financial institution account, up to $100,000, is insured by the federal government against loss, by the FDIC for banks, and by the NCUA for credit unions. They … Read more
Saving money doesn’t mean being cheap. We all love luxury, quality, and convenience. We also love security and freedom. It’s smart to save money where it’s easy, so you can redirect that cash to areas where you’ll benefit most, possibly a much needed vacation, kid’s college education, a better house, and an enjoyable retirement. Being … Read more
Why budget? Many people earn a paycheck, use credit cards, pay bills, and go shopping without ever knowing exactly how much money is actually coming in or going out. Any financially successful business must track earnings and expenditures to know whether or not they are making a profit. Why does an individual think that he … Read more
Are you on the road to financial independence? Do you look to the future with a sense of security? Are you confident that your responsible financial decisions will assure you a comfortable retirement? No matter your age, now is the time to take steps to secure your financial future. If you’re fresh out of college, … Read more
So, you have a wallet full of credit cards. How do you choose the one you’re going to use every time you pay for something? Is it the card with the best rewards? Is it the card with the 0% introductory rate? Is it the only card you have that’s not maxed out? The more … Read more
“We can erase bad credit!” “Create a new credit identity!” “Remove bankruptcies, judgments, liens, bad loans from your credit file forever!” We all want to improve our credit. Whether we have excellent credit or shaky credit, getting a better credit rating will get us better loan and credit card terms than we already have available … Read more
Bankruptcy is a federal court process designed to help consumers repay their debts under the protection of the bankruptcy court, or possibly eliminate the debts altogether, depending on which type of bankruptcy is filed for. The court-ordered protection given by bankruptcy can give you a chance to start over financially. The calls from your creditors … Read more
You have a lot of debt. There may be high medical bills, loss of a job, divorce, or other unforeseen circumstances, which caused your bills to get the best of you. Your mortgage and car payment are a few months behind, and you’re lucky to be able to afford the minimum payments on your credit … Read more
