There has been a lot of hype surrounding Douglas Andrew’s book, Missed Fortune 101. Many people gushed that it unlocked the secrets to becoming a millionaire, so I went into the book with high hopes. I was pretty disappointed to discover that much of the advice is already well known and let’s face it, a [...]

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• Protecting Your Investments In Times of Economic Crisis The United States economy is currently experiencing a serious financial shake up. No one really understands just how deep or how far reaching the damage is going to be, but what we do know is that there is going to be damage, and that we are going to be at......
• The Truth About Dividends When most of us hear the word dividends, we think about the easy life, of lying around on the beach while earning an insane amount of money. The cold hard truth is a lot less pretty. Dividends can pay, but unless you've got a lot of money invested, your returns......
• Hobbies that Make Money 3 Examples One my favorite themes is multiple income streams...  One way to add incomes streams without increasing your workload is to combine a hobby with a way of making money (like a website)...  In the post I would like to highlight several websites that are doing just that... Boating & Fishing: SF Boater -- A......
• Saving Money in Five Minutes Flat Are you saving your money for a rainy day, but feeling as if you are always struggling to get ahead of the financial storm? You are certainly not alone. Prepare your financial umbrella with this quick, no nonsense guide to saving money in five minutes. - * First and foremost,......
• Review of Stop Sitting On Your Assets Marian Snow’s book had a lot of promise. First, it discusses equity harvesting and how to get the maximum amount of equity out of your home without being taxed on it. Second, it discusses how to use that money to make more money. Sounds great on the surface, but this......

Continue reading → Review of Missed Fortune 101

Speaking of Variable Universal Life Insurance…
What are the disadvantages of this type of insurance?
As we said before, if you experience a significant drop in the value of your insurance account, you could actually be putting your insurance policy in jeopardy. If you end up with a significant drop in the value of your account, it [...]

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• Choosing the Right Types of Investments pt 2 If company stock is the only option that is available to you through your company's offered 401 k savings plan, then you should be looking at other types of investment vehicles to handle some of your savings for retirement. Annuities When you decide to buy an annuity, what you have......
• What is a Bank CD? Before comparing interest rates or buying a CD at the bank, come to an understanding on how Certificates of Deposit work. Rules and Regulations of Bank CDs CDs, commonly known to many as bank certificates of deposit, are issued by many different banks. CDs are tightly regulated via state and......
• Review of Last Chance Millionaire Douglas Andrew’s book targets the baby boomer generation and tries to convince them that it is not too late to become a millionaire and avoid living on soup kitchen handouts to survive retirement. That’s a pretty tall order and a lot of authors have failed at this exact same premise.......
• Money Management Questions and Answers How can money management techniques be applied to my life? - The first step is to realize that you could possibly have an overspending problem. This is the number one reason why people get over their head financially. You can easily consult with a money management counselor that will help......
• Michael Phelps Edition of Sunday Money Madness Good morning! How is everybody's Sunday fairing? There were several amazing wins during the Olympics this past week. Don't you agree? Two swim races at least with only one one-hundredth of a second margin from first and second place. Wow! Remember a while back when I wrote about money......

Continue reading → Comparing Life Insurance Policies pt 4

Continued from part one.
What are the advantages of this type of insurance?
Term life insurance policies tend to be a lot less expensive in comparison to other types of insurances, including whole life insurance, universal life insurance and variable life insurance for example. Term life insurance also typically has a very, very specific period of coverage, [...]

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• The Many Flavors of Loans Money can be lent to those in need, at a reasonable rate, from a pool of money that comes from investors and savers. When the lending institution provides money for consumers to borrow, either secured or unsecured, the practice is known as providing a consumer loan. These loans do not......
• Introduction to Mortgages pt 3 of 5 This is part three in a five part series on what you need to know about mortgages before you buy a home. The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want......
• Fixed Term Investment Characteristics The government only represents approximately 30 percent of our retirement income allotment. The companies that we work for and their retirement pension plan is only going to amount to another 30 percent or so, and most people do not even have these types of retirement plans. In other words, it......
• Different Types of Short Term Investments Short term investments are the most ideal form of investing if you want to invest over a period that is relatively short. Cash manager accounts make it possible to access your money whenever you need to. Fixed term deposit investments secure your money for the entire length of the term.......
• The Dangers of Long Term and Interest Only Loans There are two new trends in the banking world that may actually be very dangerous for consumers. Long term personal loans and interest only loans are gaining in popularity, especially in the wake of the housing crisis. While these may seem to be a great option at the time, there......

Continue reading → Comparing Life Insurance Policies pt 2

It is important for you to understand that there are a number of different types of insurance policies out there for life insurance. Some of these life insurance policy options that you have available to you are term life insurance, universal life insurance, variable life insurance and whole life insurance. Do you know what type [...]

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• July 4th Weekend Roundup Sunday Money Madness is your guide to the rest of the blogosphere on personal finance. The Other America - Commentary on Food Stamps and the Economy by Patrick at Cash Money Life talks about the food stamp predicament. With food being more expensive it looks like the money allotting through......
• Travesty of the Debt Snowball aka Hello World I have a passion for personal finance... I can't get enough...  I read about it, I think about it, and now I write about it. Why does the Internet need another personal finance blog?  All personal finance blogs that I have read vilify debt, demonize it even... While such a stance is......
• Comparing Life Insurance Policies pt 3 Speaking of Universal Life Insurance… What are the disadvantages of this type of insurance? Universal life insurance is generally much more expensive in comparison to term life insurance options. While some of these added costs are going to be going into your account in the form of a cash value......
• Comparing Life Insurance Policies pt 4 Speaking of Variable Universal Life Insurance… What are the disadvantages of this type of insurance? As we said before, if you experience a significant drop in the value of your insurance account, you could actually be putting your insurance policy in jeopardy. If you end up with a significant drop......
• Introduction to Mortgages pt 3 of 5 This is part three in a five part series on what you need to know about mortgages before you buy a home. The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want......

Continue reading → Comparing Life Insurance Policies