Do You Need Mortgage Protection Insurance?

Have you ever thought about buying mortgage protection insurance? Do you even know what it is? My husband and I first heard about mortgage protection life insurance from our mortgage company. They’ve been sending out little sales pitches along with our mortgage statements. I’m usually skeptical about programs and accounts advertised by banks, but on […]

What is Price Targeting and How Does it Affect You?

Have you been paying more than you could probably get away with? Do you know that not everyone pays the same price for the same service that you received? How can you find the best deal for what you buy? Price targeting is a tool that sellers often use, but if you’re aware of how […]

Do You Need Umbrella Insurance?

While surfing the web this past week, I came across an article on umbrella insurance and why some people should get it. I was curious, so I decided to look into it a bit more. I don’t personally know of anyone who has an umbrella insurance policy, but then again I don’t go around asking […]

What Are Car Title Loans & Are They a Ripoff?

Tough economic times have people in a financial bind and doing things they haven’t done before. There are those who are living paycheck-to-paycheck when they suddenly get struck with a financial emergency. What would you do? Some people turn to “title loans” to give them a quick infusion of cash to tide them over until […]

How to Handle Debt Collectors

I hate debt collection agencies. This distaste is mainly because of past personal experience. A few of years ago, a collection company called me repeatedly about a medical bill that my insurance company had already paid. I sent the proof of payment through fax and mail, but they refused to accept it. I decided that […]

Social Security and Retirement Planning

Have you ever looked closely at that Social Security statement that shows up in the mail around your birthday? Have you ever really analyzed it, or did you just check if your earnings were correct and file it away? Have you ever thought about using it to better plan your retirement? What is a Social […]

Car Dealership Tricks to Avoid

Buying a new car is one of the most stressful financial situations that you’re likely to encounter. There are many reasons for this. After, this is one of the biggest purchases (aside from a house) that you’ll make, and you want to get a good deal. One big obstacle for many is dealing with salespeople […]

Climbing Up the Financial Ladder

As you work to improve your finances, some things will become much easier. For example, creating a realistic budget for us took some time to figure out, but now it’s pretty easy to manage as we’re becoming accustomed to our needs and spending habits. The other side of the coin is that, as you progress, […]

Preparing For the Unexpected

Even though my husband and I are both fairly young and in great health, we’ve decided to get on the ball and get our wills done. Like many people, we’ve been putting this task off, but now it’s time to site down and spend some time planning. After all, unexpected things happen. I’ve been gathering […]

How and Why to Set Up a Certificate of Deposit (CD) Ladder

In this period of low interest rates, many savers aren’t seeing their money produce nearly as much income as they want. Some people want to keep their money in a better interest bearing vehicle. One option for riding our interest rate cycles such as the one we’re experience is a CD ladder. What is a […]