As more and more Americans choose to rent rather than purchase their home, rental insurance policiesare becoming more and more important. In addition to finding the lowest cost insurance, be sure to negotiate your rental rate to maximize your financial situation. Following are some tips to do just that. Negotiating a Rent Reduction Rent is [...]

When tax time rolls around, one of the overlooked means of taking a deduction and getting a bigger refund is by way of one’s auto usage. Deductions for auto use can be taken by how many miles were driven, or by the exact expenses related to business. Deciding which one is usually a matter a [...]

Are you paying too much for your term life insurance?  If you are carrying a term life insurance policy and you feel like your premiums are too high, the only way to tell if you are paying too much is to request quotes and qualify for a new plan.  Most individuals, who purchase a long-term [...]

Just about any individual in any age group can get a life insurance policy in their name. Insurance companies are in the business of selling policies, so they may overlook the fact that every person is not a good candidate for life insurance. While having a policy does provide a sense of security, it is [...]

Federal Funds Rate The United States Federal Reserve Bank introduced a form of monetary policy called quantitative easing in an attempt to stimulate the banking system during the financial crisis in December 2008. The Federal Reserve had essentially exhausted most of the conventional methods in its monetary policy toolkit by using its primary money creating [...]

Whether you are investing funds in your whole-life insurance policy or in a personal investment portfolio, increasing investment discipline is central to maximizing long-term financial return on investment. Discipline is the art of sharpening and perfecting the skills of the mind into a tool or weapon, but it is an elusive skill. A person’s temperament [...]

How Insurance Companies View Deer and Road Debris Accidents Most people are familiar with the way insurance companies deal with traffic collisions of the usual type – 2 or more cars colliding or one car colliding with a roadside obstruction, etc. However, what about oddball accidents such as deer collision or collision with road debris [...]

You spend your life working to build a sufficient nest egg to allow you to live comfortably during your golden years and hopefully, to pass on some of that wealth to your heirs. What you hope to avoid, if falling ill and consuming all of your savings to pay for expensive in-home care or nursing [...]

We live in a world that is full of rapidly advancing technological developments.  As technology evolves more and more, we have the capability to create devices that know exactly what we want them to do, when we want them to do it. Cars are no exception to this rule, and as a result, we have [...]

Insurance for Single Parents After separating from your former spouse or partner, you probably don’t want to worry about changing your insurance coverage to suit your new status as a single parent. However, doing so might save you hundreds or thousands of dollars per year and ensure that you and your children enjoy the coverage [...]