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Last Updated: Jan 17, 2010 - 5:05:40 AM |

Finances :
Insurance
Understanding the Long Term Care Waiver of Premium -
Dec 12, 2009 - 7:45:25 AM
Depending on your long term care insurance policy, it may contain the waiver of premium provision. When a policyholder qualifies for waiver benefits, he or she is usually not required to pay premiums as long as certain policy requirements are met.
Finances :
Personal Finance
Know Your Bills to Control Your Finances -
Oct 30, 2009 - 3:56:47 PM
No one likes to pay bills. This explains why some people avoid their bills until the end of the month, unless these bills are automatically deducted from their bank or credit accounts. However, we all financial obligations whether it is a car payment or a house note. Unfortunately, not everyone has a clear understanding of how to deal with their financial obligations.
Finances :
Insurance
Understanding the Value of Long-Term Care Insurance -
May 6, 2009 - 8:40:06 PM
In American, some people do not understand the importance of long term care insurance. Yet, long term care is among the highest health care cost in our country. As the human life expectancy continues to rise, we can expect more individuals to require long term care.
Finances :
Insurance
The New Insurance Agent of the Millennium! -
May 5, 2009 - 3:46:04 AM
Twenty years ago, it was not uncommon for an insurance agent to sell only insurance. Today, many insurance agents are more than insurance salespeople. Therefore, do not be surprised to find an insurance agent that discusses banking, investments, and insurance with you. Times have changed!
Finances :
Personal Finance
Is it Time to Call Your Financial Planner? -
May 2, 2009 - 4:34:53 PM
Today, you must have the courage to open those statements, if they are contained in your stack of unopened mail. After reviewing your investment statements, you will need to make a phone call to your financial planner. During your conversation with your planner, schedule an annual review to measure the success of your financial plan.
Finances :
Personal Finance
Do You Use Coupons Now? -
Apr 28, 2009 - 3:38:46 PM
When the economy was doing well, many of us chose not to use store coupons. Hopefully, most attitudes have changed in the last year because of our gloomy economy. If not, individuals are failing to maximize their ability to save money, which may be used to start an emergency fund or investment program.
Finances :
Personal Finance
How to Survive This Economy? -
Apr 23, 2009 - 7:28:03 PM
In 2009, many Americans are experiencing financial woes. Fewer people are saving money, and banks are getting rich from non-sufficient fund charges. No one knows when this economy will start improving, but you can learn some helpful tips to survive this economy.
Finances :
Insurance
Unreasonable Excuses for not Buying Life Insurance -
Apr 4, 2009 - 3:28:03 AM
In the event of their untimely demise, some individuals possess enough money to support their families without buying life insurance. Unfortunately, many people cannot afford not to buy life insurance if they desire to replace their loss of income because of an early demise. However, some people avoid buying life insurance, even if they need additional life insurance to protect their families.
Finances :
Insurance
Why Insurance is not Gambling? -
Mar 26, 2009 - 8:31:18 PM
Unfortunately, some of these individuals may also believe that buying insurance is the equivalent of gambling. For those who own insurance products, are we really gambling when we purchase insurance?
Finances :
Insurance
Insurance: Understanding the Basics of Insurable Interest -
Mar 23, 2009 - 6:25:58 PM
In order to have a valid insurance contract, the owner of the insurance policy must have an insurable interest in the life of the insured. By definition, you automatically have an insurable interest in your own life because you are financially responsible for you.
Finances :
Personal Finance
Who is to Blame for This Economic Mess? -
Mar 7, 2009 - 8:50:09 AM
Unfortunately, there are no simple solutions to solve this economic crisis. While the Obama Administration is trying to jumpstart the struggling U.S. economy, we might not see any significant improvements in the economy until 2011. However, who should we blame for this economic turmoil?
Finances :
Retirement
Why You Need to Continue to Contribute to Your 401(k)? -
Feb 7, 2009 - 12:54:27 PM
Your bills may be piling up. You are unhappy with your most recent 401(k) statement. Some of your best friends have lost their jobs. What does this mean to you? Unfortunately, some people use these reasons as excuses for not contributing to their 401(k). However, you are not going to follow their example, right?
Finances :
Annuity
Why the Fixed Annuity is Popular in a Bad Economy? -
Jan 24, 2009 - 10:11:56 PM
During periods of economic decline, people are often inclined to seek safer investments. A fixed annuity is still considered to be a conservative investment; therefore, many older investors are now choosing this investment vehicle, instead of mutual funds or variable annuities.
Finances :
Insurance
Why Buy Term Insurance Now? -
Jan 22, 2009 - 7:28:58 PM
People make excuses for not purchasing life insurance. And yes, maybe your finances do not allow you to afford a $250,000 universal life insurance policy, even if you are 30 years old. However, a term life insurance policy probably will fit into your budget.
Finances :
Insurance
Free Online Insurance Quotes: What does it Mean? -
Jan 21, 2009 - 3:24:25 PM
People enjoy looking for cheaper insurance, especially when it comes to term life insurance or property and casualty insurance, which includes auto and home insurance. Millions of people each month look up various search terms that involve the following words: free insurance quotes, insurance quotes, online insurance quotes, etc.
Finances :
Personal Finance
Break These Ten Spending Habits in 2009! -
Jan 19, 2009 - 9:44:36 PM
Most of us have some bad spending habits. Some of these bad habits may be obvious, but others may not be so apparent. These bad habits, however, may be limiting our ability to get out of debt. And in this shaky economy, we all need to strive to do better.
Finances :
Personal Finance
Who is a Financial Shopper? -
Jan 14, 2009 - 3:38:54 AM
When this website was created in 2003, I did not explain the meaning of financial shopper. However, I did not intend to keep this secret for nearly six years. Today, my definition of financial shopper will finally be revealed; it is much more than a person who shops for financial products.
Finances :
Personal Finance
Why You Should Plan Your Funeral? -
Jan 1, 2009 - 11:25:46 AM
One day, each person on earth will die. It is a sad truth that none of us can avoid. Fortunately, while we are still alive and well, we have the ability to make funeral arrangements and to create a will, at minimum.
Finances :
Personal Finance
How Do Common Stocks and Bonds Differ? -
Dec 25, 2008 - 9:54:17 AM
Most individuals have mutual funds in their retirements, whether it is a 401K or IRA account. Within these retirement accounts, the portfolio manager for the mutual fund has probably bought a few hundred common stocks and bonds if it is a balanced mutual fund (balance of stocks and bond with a mutual fund).
Finances :
Retirement
Why You Should Open Your 401K Statement? -
Dec 17, 2008 - 3:37:15 PM
It is easy to open your 401K statement when you expect a positive return. However, the opposite can be said if you expect to receive a statement filled with negative results. While 2008 has not been a good year for the stock market, you need to have a little courage and open up that 401K statement.
Finances :
Personal Finance
Why it is Time to Become a Super Saver? -
Oct 2, 2008 - 9:33:17 PM
On November 4, 2008, adults throughout the United States of America will go to the polls and vote for the next U.S. President. Some of these individuals are struggling financially, even if they have been on a job for several years.
Finances :
Personal Finance
Why You Need a Second Income? -
Sep 25, 2008 - 9:17:33 PM
While there continues to be uncertainties in our financial and credit markets, you are still responsible for paying your bills on time. Therefore, if necessary, you might be forced to work overtime in order to stay afloat, but some individuals do not have this option.
Finances :
Personal Finance
Who Cares if We are Not in a Recession? -
Aug 3, 2008 - 5:36:15 AM
Some people rejoiced after the second quarter GDP (Gross Domestic Product) number was released, this past week. For some, the increase of 1.9% in the second quarter signaled that the U.S. economy is getting back on track.
Finances :
Personal Finance
How to Stay Committed to Your Financial Budget? -
Jul 14, 2008 - 3:46:02 AM
Freeze! Normally, in our society we associate the word “freeze” with a police officer that is about to make an arrest of a criminal. However, we should stop ourselves before venturing to the malls and other retail stores to spend more than our monthly budgets allow.
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