Insurance
Auto Insurance – How It Works
Anyone who has ever owned a car knows that automobile insurance is expensive. A 2017 survey conducted by the National Association of Insurance Commissioners...
Top 8 ranked car insurance companies 2021
We looked at 8 of the best auto insurance companies throughout USA and compared their features, discounts offered and reviews from existing customers. Overall, from...
What Is Permanent Life Insurance And When Does It Fit Your Needs?
Once you have determined that you need life insurance and calculated how much coverage you require, you will have to choose between several types...
Determining Your Life Insurance Coverage Needs
Like auto insurance coverage, it is sometimes difficult to see the true value of life insurance coverage until you actually need it. In the...
Investments
Managing Your Assets
When you start organizing your portfolio you will want to consider how you will be spending your money after you retire. Some money will...
What Is A Qualified Annuity?
Many employers allow their employees to contribute to an annuity program. This becomes an investment option in a salary reduction retirement plan. Under this...
FINANCE
Retirement
Roth IRA Conversion Review
If you have existing retirement assets in a traditional IRA, you may want to consider converting those assets to a Roth IRA - also...
Minimum Retirement Plan Distributions
Most qualified retirement plans offer significant tax benefits for those willing to follow a few IRS specified rules. The government wants to make these...
Retiring At An Early Age
Historically, most Americans have considered 65 to be their target retirement age. This is likely the result of past Social Security laws which allowed...
Calculating Your Social Security Benefit
Social Security was originally introduced in 1935 in the aftermath of the Great Depression. It was intended to provide a safety net of income...
Changes In Living Expenses During Retirement
In order to plan realistically for the future, you need to have a clear understanding of what money you need when you retire. This...
Debt
Do You Really Need Private Mortgage Insurance?
If you purchased your home paying less than 20% down, chances are you had to purchase “mortgage insurance” in order to qualify for your...
Understanding The Mortgage Underwriting Process
Qualifying For A Mortgage
Whether you're looking for a first mortgage on a new home or a refinance on an existing loan, the interest rate...
Life After Debt
If you find yourself in trouble financially, there are usually no easy answers — but there are many ways out for those willing to...
Structuring The Terms Of Your Loan
Often it is necessary to borrow money in order to make large purchases like cars, home improvements, college expenses and emergency purchases. Fortunately, our...
Tax
New Tax Legislation – Benefit Summary
Congress recently passed the Tax Cuts and Jobs Act changing the tax code beginning 2018. This new tax law made significant changes to the...
College
Section 529: College Savings Plans
A 529 plan is a state-sponsored education savings program that allows an individual to save in a tax-deferred account to pay for qualified costs...
Create A Funding Strategy
Saving for college isn't easy, but the earlier you start the better off you'll be. For example if you save $60 a month for...
Finding Scholarship Opportunities
Over 85% of the nation's schools offer various types of scholarship, granting money to college students based on a host of criteria such as...
Financial Aid For College Students
Even if you have not been able to save all the money you will need for college, several alternatives exist to assist you in...
What Is A Coverdell Education Savings Accounts (ESA)?
Similar to a 529 plan, a Coverdell ESA offers the potential for tax-free growth when you use the account to fund a child's qualified...