permanent insurance

Purchasing life insurance can be a little tricky. Insurance sales agents have a bad reputation for trying to get clients to purchase expensive products so that they can enjoy a larger commission check. Although not all insurance sales agents will try to use scare tactics to get you to buy the expensive products, here are [...]

This was one heck of a week for me. I can’t tell you the reason just yet, but let’s say I am a badass personal finance blogger — thanks to the folks at Credit Card Finder. Seriously, check out this cartoon likeness of me — Mr. T would be proud.

Although I have been busy this [...]

Reverse mortgages are one way senior homeowners who are 62 years and older may be able to tap the home equity.  A reverse mortgage gives the homeowner money they need without having to leave the house and without having to repay the loan until the owner dies, the home is sold, or the house is [...]

This guide is intended to provide readers with ideas, how-to’s, and resources on frugal living and expense reduction. It will explore aspects of frugality and provides practical ideas on how to save money and reduce your expenses. Spending less than you earn is the core component of good money management, and a vital part of [...]

On July 18th, I responded to Mrs. Micah Single Step Personal Finance Challenge and said that I will try to finish up my estate planning in 2 weeks. Alas, I am a procrastinator and didn’t get anywhere near completing it. So I committed to complete the first of four steps in the Suze Orman’s Will [...]

I was adding a few sites to PF Buzz Planet yesterday, and stumbled upon a web site called One Hundred Push Ups (via Too Smart To Live Like This). This is a timely find since I have been thinking about getting back in shape lately. To tell you the truth, I am feeling guilty about [...]

A friend at work is thinking about borrowing from his 401k plan to fund his business start-up. He mentioned it to me and I told him that it’s a terrible idea to borrow from 401k. It may sound appealing at first — i.e., fast loan application, easy to qualify, and you pay the interest to [...]

Recently, I have been dealing with insurance a lot — i.e., stopping my parents’ premium payments, evaluating long-term care insurance, doing quite a bit of analysis and shopping for better life insurance policies for my wife and I, etc. As expected, one of the insurance sales agents pitched a whole life insurance for my baby [...]

Annuities are insurance products designed to help you invest for retirement and provide supplemental income during your retirement. The most common form of annuity is income annuity where the investor pays the insurance a sum of money in exchange for a series of regular payment for a period of time, up to a lifetime contract.
What [...]

With the recent increases in gas price, everyone is feeling the pinch. What used to be a $30 fill up is now $40. And every household budget is in crisis from the rising gas price, along with everything else. So, I figure this is a good time to share some money saving tips.

Save Money On [...]