Category: Finances

Mar 31 2009

The Insurance Maze: How you can save money on insurance

The Insurance Maze: How you can save money on insurance and still get the coverage you need

The book The Insurance Maze is written by a well-known insurance writer, Kim Lankford. She is an expert in the field of insurance, and passes her insider knowledge of the insurance industry on to the reader in this handy book. She is also the chief insurance writer for Kiplinger’s Personal Finance Magazine and the author of the ‘Ask Kim’ column.

Insurance plays an important part in today’s world and your own personal financial planning. Whether you need to insure your home, car, life, health, pets, get yourself long-term care insurance and so on, The Insurance Maze book helps you to make the right insurance decisions and saves you from wasting hundreds of dollars by buying the wrong coverage.

The Insurance Maze covers topics such as:

* The dangers of small homeowners’ insurance claims

* Employer-provided health plans, how to avoid mistakes and how to choose good deals

* Health savings accounts and how to make the most of them

* Car insurance and how to save hundreds of dollars

* The importance of long-term care insurance in order to protect retirement savings

* Rising premiums and how to avoid or minimize them

* And much more more

In 288 pages the author guides you through real-life examples and gives tools and resources to find the best insurance deals in order to save you money and give you the best coverage for you and your family.

Getting insurance is smart in this economy. Prepare for the worst with the best coverage at the best price with the help of this handy book.

The Insurance Maze: How You Can Save Money on Insurance-and Still Get the Coverage You Need

Mar 04 2009

The ABCs of Credit

The ABCs of Credit: Too Much Information — Not Enough Time to Read the Small Print

Everyone seems to use their credit card or finance something they desire these days. The trouble is, how often do any of us read the fine print on the credit applications?

Many are elated that their applications have been approved, and never even think of looking at the credit terms. Now that we are facing a credit crunch, with millions of homes facing foreclosure, many people now wish they had actually looked at the fine print.

It is important to look at all the fine print for any credit agreement you might sign. It is important to be aware of your finances and looking at your credit report and understanding every aspect of it. Only then will you be able to really take control of your finances.

For example, are you aware of how much APR you are paying on each of your credit cards?

Many are not aware of the highly elevated interest rates that credit cards have. The ABC’s of Credit will teach you how to control of your finances and set them as a priority.

Learning to take control over your budget and using your money wisely is very important in today’s economy and any economy in general.  Never worry about health issues because you will have money set aside for emergencies.  This book will help you save your hard earned money and give you tips on how to do it.  This is not a college textbook, but an easy to read and understand book that will ultimately save your family finances.

It is important to take control of your hard earned money and learn how to save and budget.  It is not a fix all for those that are experiencing financial burdens but a great handbook for those to avoid financial turmoil.  The information contained in this book will fit any income and lifestyle.

Feb 28 2009

Quicken Loans

Quicken Loans

Quicken Loans is one of the top companies in the finance industry, designed to try to help you keep track of all aspects of your finances.

This company exemplifies the kind of excellent financial service you wish for through the financial services that they provide.  The customer satisfaction level is one of the highest in the industry.  Their service is just one part that makes this company remarkable.  They are available to answer your questions and the time spent with you makes you feel  they truly care.

The company combines industry leading technology with great customer service to top the other loan companies in the market today.  A customer is able to obtain a loan that matches their needs and qualifications, sign for it online, and have the ability to monitor the progress of the loan online 24 hours a day, and 7 days a week.

Their loan experts are always available to answer any questions or concern you may have, and work with you for the betterment of your financial future.

Quicken loans has gone one step further recently, and is now offering a unique affiliate program.  Now you can earn commissions by referring others to this exemplary program.

You will feel confident that your customers will not be disappointed, and will be able to make money yourself by recommending this excellent service.

In return, the people you refer will receive access to low rates and payments, so everyone wins.   It is a very successful program and it is another example of the professionalism this company embodies.

Quicken Loans is successful because of their track record, software, and services, so if you are interested in a loan yourself, you can feel confident you will get excellent service.

If you are interested in making residual income by referring your customers to them, the company makes it easy to become an affiliate with access to banners, and text links.

They not only provide the necessary tools for you to promote them successfully, but make available a great deal of useful content for free, such mortgage rate tables and mortgage calculators.

Quicken Loans mya not be right for everyone, but the site and company are a great place to get started if you are looking to take charge of your finances in these turbulent times.

Oct 13 2008

Financial Fiasco

Here is another interesting article about the current financial crisis

Financial Fiasco: Can America Recover This Time?

Oct 11 2008

The History of this Financial Disaster

Here is a clear article about the events leadng up to our current economic crisis:

The Long History of the 2008 Financial Mess

Oct 02 2008

New Finances area at the site

Given the dire financial news these days, it is not just enough to know how to run a successful business, but how to manage your finances in tough times.
With that in mind, we will also be including insider secrets on finances.

Just click on the finance link to learn more.

Sep 30 2008

Christmas Shopping in September?

I lived in the UK for many many years, and so for me, Christmas used to happen in about August. The reason was that it would take so long for the parcels to arrive to my family in the US.

But there was also a more practical reason. I could budget for my shopping over several months, not be broke and miserable, or worse still, go into debt, at the end of the yea, and then have to face the long cold winter months strapped for cash.

On the news last night I saw that the big retailers like Target and Walmart have already got their Christmas displays and even bargains out already before Halloween has even finished, in order to try to make the most of what they fear is going to be a terrible holiday season due to the dire economic climate.

So there can be bargains out there, and you can shop early to avoid disappointment, but as one shopper pointed out, it is hard to have to look at all these items and know you really have to watch every penny and can’t really afford to gift the way you would like.

In our series of articles on the holiday season and your finances, we will help you get the most out of your budget without breaking the bank.

Again, one has to be practical, based on your own job and other situations. The most crucial thing is to get out of debt and stay out of debt, and perhaps even start saving.

So, like Santa, make a list, and check it twice. Then set a budget for each person, and start shopping modestly, or setting the cash aside for December (for things like tips for the doorman, mailman and so on), so you are not making one or two paychecks do all the hard work. Don’t be tempted to stray, and try not to ‘gift’ yourself too much.

Sit on purchases for a day or two as well. Think before buying-is it really a bargain? Comparison shop online.  Know what things cost, so you will not be fooled by a ‘sale price.’

Look at store circulars-take advantage of the ‘loss leaders’, but don’t buy anything not on sale.  They are trying to lure you in!

You can also do the same with birthdays, especially if your family is born from October onwards. It can be an extra added burden.  In addition, if you have family born from  January onwards to March, you might also be able to find some good bargains.

One  other point is that the rate of inflation has been over 10% this year, so prices are really only going to go up, not down, so if you have been putting off essential purchases, you might pay a lot more in the long run.

Finally, one other practical word of warning. Gas and heating oil prices are also going to be tough this winter.  If you have a chance to start budgeting for it now, do so.

Some power companies also offer ‘level billing’ options, so that you pay the same each month, so that when demand is highest, you are not zapped with a huge bill because you have already budgeted for it. Look to see if it makes sense with you and if you get a discount for participating.

Otherwise, put the money in a money market account (you can get about 2.3% from Paypal and have instant access through a debit card, or within 4-5 business days through your bank account).

You can do the same with your Christmas money; set it aside in a money market account until it is time to use it.

And of course,  Christmas is not just presents, but food, booze, entertaining, parties, travel, so again, start making a list of all your obligations now. And don’t forget Thanksgiving!

Budget wisely and make the most of the wages you do have, and be glad to have a job.  Naturally, if your job security is in question, you will have to be that much more careful and frugal. But that is a subject for another article….