Posted April 26th, 2012 by Elena
There are several factors to consider when deciding on whether to have life insurance, disability insurance or both.
Life Insurance
If you don’t have life insurance, but have a family to support, you might need to get one very soon.
It could give the financial benefit to your loved ones that they would really need in case of your sudden death.
You can get really cheap life insurance coverage for as little as just $10/month.
Many are used to the idea of insuring themselves in the event of their death, but may not be aware that it is also possible to insure in the event of developing an illness or disability which affects their livelihood and that of their families.
Disability Insurance or Critical Illness Insurance
Unfortunately, statistics say that as many as 1 in 4 people will experience some form of critical illness before reaching retirement age. Read the full article…»
Posted April 14th, 2012 by Elena
The prices of car insurance policies are a pressing concern for every motorist today.
A low premium on auto insurance is something that everyone desires, but most simply accept what they are offered.
With a little effort and a little patience the truth is that almost every driver can get a cheaper car insurance.
1. Get a Reasonable Car
Everyone wants to drive around in a fast, luxury sports car.
However, if this discribes you, then you can kiss a low auto insurance premium goodbye. Read the full article…»
Posted April 11th, 2012 by Ian
Debt is seen by many people to be a bad thing.
If you are in debt, you get included in statistics that highlight why the country is struggling under a mountain of personal finance.
However, the good news is that debt is just like chocolate, wine and food – it’s okay in moderation.
Here are 5 things that everyone ought to know about debt, debt management and debt elimination.
It might make you feel better about your current situation. Read the full article…»
Posted March 13th, 2012 by Elena
Have you ever thought about paying off credit card debt and never touching plastic again, but something was always on your way?
Have you got too many credit cards in your wallet and stuck in a bad habit of using them for everything and paying only minimum payments?
You are not alone!
According to recent statistics from www.creditcards.com, the average amount of credit card debt for American households that have a balance is around $15,956 in 2011 (it was around $11,000 just in 2009!)
Average APR on credit card with a balance on it: 12.78% as of November 2011.
Pretty overwhelming facts, are not they?
Are you still looking for significant reasons for paying off credit card debt?
Here they are: Read the full article…»
Posted February 15th, 2012 by Elena
There is no doubt that personal finance is very important to all of us.
In fact, new study links financial planning with health and happiness.
For the majority of Americans money is a leading cause of stress, and we are definitely losing precious sleep over it – an average of 21 (!) hours each month from stress.
The good news is that your personal finance does not have to be complicated, and just by establishing a few healthy financial habits can help you not only achieve your financial goals, but also take money worries off your mind, reduce stress and actually improve your overall well being. Read the full article…»
Posted December 30th, 2011 by Elena
Thinking about upcoming New Year?
For many of us it starts with new resolutions.
We give ourselves a bunch of promises like: I am going to lose weight and eat healthier… I am going to save money… etc.
Sounds familiar?
But how often do we actually keep those promises and for how long?
Our new year’s resolutions regarding personal finance as well as our health should be of a high priority to us.
If you really want to make some important financial resolutions, I would suggest putting them in writing with the steps on how to accomplish them with specific deadlines. Read the full article…»
Posted December 19th, 2011 by Elena
We all need money before and after the holidays, but sometimes we don’t realize that we actually have more money than we think.
Successful personal finance starts with an occasional evaluation of what we have, and what we need and don’t need.
If you go through your closets – you don’t need to wait for spring cleaning to do that – you can find quite a few things that you do not need and can sell or donate for tax deductions.
And the best time to do it – at the end of the year.
Would you not like to get a bigger tax return in April because you made some donations at the end of the year? I bet you would!
Here are My Five No-Brainer Ways to Make Money I came up with that helped me to get a good chunk of cash while I was not working for a while. Read the full article…»
Posted November 16th, 2011 by Elena
Unfortunately, the truth is that the economy is not getting any better, at least in the nearest future.
We all know quite well that job security does not exist any more.
By the end of 2010, the number of people working part-time quadrupled since 1950.
That’s because they were not able to find a full-time job.
Job creation is at its lowest point since 1980, while the job destruction continues to rise.
All these statistics make it clear that the nature of jobs has changed.
No one can become bulletproof in these hard economic times. Read the full article…»
Posted October 23rd, 2011 by Elena
I love reading articles on personal finance, budgeting and investing as well as finding bargains, coupons and ways to make some extra cash or save money.
There is definitely lots of information on the Internet, and sometimes it’s hard to find the right source of information that you can trust.
I read financial articles on a regular basis and find a great deal of useful information for myself.
Today I would like to share a list of my favorite Financial Blogs with my readers.
Please check them out – you won’t regret! Read the full article…»
Posted September 13th, 2011 by Elena
If you ask any homeowners who got done any home improvement projects on a low budget, they will tell you: you get what you pay for.
Contractors who make the lowest bids rarely deliver a great job.
Cheap construction materials usually don’t last too long.
But there are definitely effective ways to get great quality job for less money.
These 6 simple strategies will save you a big chunk of money, and you will get you a high quality remodel you always wanted. Read the full article…»
Posted September 2nd, 2011 by Elena
Do you normally do all your stuff on your home computer or you use your cell phone a lot?
Just because you can do quite a few money-related things with a mobile device, does not mean it is always a good idea.
First of all, it is not easy to accomplish things on a screen the size of a Post-it note. Am I right? Don’t you hate that?
Secondly, some complicated tasks, like transferring money from one account to another, or doing stock portfolio analysis, require you to have your important information handy, so you may not want to juggle things like that on the go. Read the full article…»
Posted July 1st, 2011 by Elena
We never really think about home burglary prevention until we actually get robbed, is not that right?
Here are some important tips on how to prevent a home burglary.
Unfortunately, if someone really wants to get in our home - they will probably find a way.
My question is would you like it to make it easier on a burglar or more difficult to get into your house?
If the burglar gets to choose to get into your house or someone else’s that is an easy target, which one would he choose? Exactly! This is a no brainer!
So, even if you can never completely bulglary-proof your home, you can get some ideas from the list below that will at least make your home less of a burglary target. Read the full article…»
Posted May 21st, 2011 by Elena
During the recession Americans’ personal savings rate hit 5.5% in 2011 versus 0.8% in April 2008.
As a result, you may have more money than usual sitting in your checking account right now.
Your savings account may also hold a huge chunk of money that you still have to figure out what to do with.
That is very understandable.
But the average bank account pays only from 0.03% to 0.15% interest rate. Read the full article…»
Posted April 17th, 2011 by Elena
When you think about preparing for early retirement, you likely think about gaining financial independence, building wealth, following certain retirement strategies - making sure your finances are in order.
But there are definitely other equally important aspects to consider as you redefine your life and look forward to your new future.
Prepare yourself for a happy, healthy and fulfilling future retirement with these simple tips: Read the full article…»
Posted March 30th, 2011 by Elena
Everyone knows that investing, no matter how careful and conservative you are, exposes an investor to certain risk.
Many of us also know about reward/risk trade off – higher returns are usually accompanied by higher levels of risk.
So what does exactly a risk-aware investor have to do in order to achieve highest possible returns while managing risk? Read the full article…»
Posted March 8th, 2011 by Elena
Financial success is very important to us.
Purchasing a home is everyone’s dream, and is a part of being financially successful.
Mortgages can be a very confusing topic for a lot of us though.
There are definitely a lot of myths and misconceptions about them.
Most of the times subscribing to these myths can keep you from buying your home or paying for a mortgage that costs more than it really needs to.
Find out the truth behind several popularly held mortgage beliefs. Read the full article…»
Posted February 25th, 2011 by Elena
During hard economic times, it is easy to feel the pinch when you are short on cash.
Prices seem much higher than ever, and the paycheck does not seem to cover as much as it used to.
Unfortunately, during these tough times, we all need to tighten the belt and lower our cost of living. Read the full article…»
Posted January 22nd, 2011 by Elena
Everyone would like to eliminate their Credit Card Debt and gain financial independence.
Did you know that an average American household has over ten credit cards with an average balance of $11,000?
Quite overwhelming facts, are not they? Read the full article…»
Posted November 25th, 2010 by Elena
Dear readers,
please check out our new Free Stuff Page that offers links to the sites where you can find the following information:
Read the full article…»
