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Annuities as an Insurance Product

July 30, 2015

Why Are Annuities Considered an Insurance Product? Annuities are financial vehicles that can be sold only by insurance companies. Basically, an annuity is a contract between you and an insurance company, which promises to pay you a future income in exchange for the lump-sum payment or premiums that you pay. The payments specified in the… Read more

Why Purchase Life Insurance

July 30, 2015

Why Purchase Life Insurance? We’ve all heard about the importance of having life insurance, but is it really necessary? Usually, the answer is “yes,” but it depends on your specific situation. If you have a family who relies on your income, then it is imperative to have life insurance protection. If you’re single and have… Read more

Home Equity Loans

July 30, 2015

Is a Home Equity Loan Right for Me? Taxes are becoming an ever-increasing burden to Americans. Through the Tax Reform Act of 1986, Congress reduced or eliminated many of the ways that taxpayers can lower their taxes. Interest deduction is one of the areas that has been strongly affected by this tax reform legislation. Since… Read more

Effects of Inflation

July 30, 2015

How Does Inflation Affect Me? Are you saving for retirement? For your children’s education? For any other long-term goal? If so, you’ll want to know about a sometimes subtle, yet very real threat to your savings: inflation. Inflation is the increase in the price of products over time. Inflation rates have fluctuated over the years…. Read more

Savings Alternatives

July 30, 2015

What Savings Alternatives Are Available? As an investor, it’s important to have a portion of your holdings in savings. Opinions differ, but most financial advisors agree that adequate savings should form the basis of any sound investment strategy. There are a number of savings alternatives that will help you accumulate adequate savings and earn a… Read more

College Financial Aid

July 30, 2015

What About Financial Aid for College? Is the financial aid game worth playing? There’s a tremendous amount of paperwork involved. The rules are obscure and often don’t seem to make sense. And it takes time. But make no mistake, the game is definitely worth playing. Financial aid can be a valuable source of funds to… Read more

Smart Financing Ideas

July 30, 2015

What Are Some Smart Ways to Refinance? Recently, fixed mortgages were near their lowest rates in almost 30 years. And if you are one of the many people who took out mortgages in the few years prior to that, you may be wondering if you should look into refinancing. If your mortgage was taken out… Read more

Reverse Mortgages

July 30, 2015

What Is a Reverse Mortgage? Many Americans facing retirement would love to increase their monthly income. Faced with fixed pensions, rising medical expenses, limited Social Security benefits, and longer life spans, an increasing number of people are actually being forced to lower their standards of living when they retire. As you approach retirement, one of… Read more

Biweekly Mortgages

July 30, 2015

What Advantages Does a Biweekly Mortgage Offer? One of the most precious assets that you are likely to possess as you progress through life is your home. Owning their own homes is something that most Americans strive for. Unfortunately, for the vast majority of people, one of the major drawbacks in owning a home is… Read more

Managing Cash

July 30, 2015

How Can I Better Manage My Short-Term Cash? For the vast majority of people, it is essential to keep a portion of their assets in liquid form in order to meet monthly commitments. For example, most families have to meet their mortgage or rent payments, grocery, utility, and transportation bills out of their monthly paychecks…. Read more