7 Unique Ways That Life Insurance Can Help Wealth Creation

life insurance can create wealth

With retirement age ever increasing, more people are looking for ways to increase their wealth to avoid working well into their 60s and beyond. While there are several active ways to increase wealth, one passive area that many people overlook is sitting right in front of their faces: life insurance. While its pr...

The 10 Worst States to Make a Living in 2016

10 worst states to make a living

Most of us have a plan. A plan for our family, career, adventures, and–most importantly–our money. To make sure that life goes according to your plan, carefully consider where you choose to live, and where you earn your money. Choosing poorly–and without knowing all the facts–could put a real strain on y...

7 Awesome Tips to Live Like a Champ When You're Broke

Anxiety bubbles up in your stomach as you check your bank account. Your latest paycheck barely covers rent and food for this month. Thoughts of enjoying the night out with your friends this weekend are dashed. How are you supposed to make ends meet and enjoy your life at the same time? Have no fear — Credit...

Personal Finance Tidbits You’re Just Not Getting Right

woman with unpaid bills

The two main components of personal finance are saving and earning. How to save and earn the most can be as complicated as you want it to be. Starting with the wrong understanding of basic personal finance concepts can be like digging a hole with a rake instead of a shovel. Income Tax Brackets It is foolish to...

The Very Best Personal Finance Apps in 2016

personal finance

Personal finance takes discipline. Many people have the delusion they can control their spending and maximize the use of their income without tracking anything. If they take time to write down and add up all their expenses vs. their income, people usually realize they are overspending and not working efficiently...

7 Ways Frugality Can Make You Rich

frugal man

Frugal people have lots of habits. They don't have to be extreme to be effective. People don't have to hang up used dental floss to dry. Sometimes, the cheap version of a product is the worst deal because it will only last half as long as the more expensive version. Thinking before spending can do amazing things...

Dealing with Pesky Collection Agencies

collection agencies

  Debt collectors want you to think that they can harass you whenever they want, and often in whatever way they want. Some of them will even outright lie to you, or try to scare you, in order to get you to pay off the debt or make a payment. There is good news for you – you no longer need to put up with ...

How Do Credit Inquires Affect Your Score?

credit inquires affect score

There are a few types of credit inquiries individuals will encounter in life. Not all of them affect credit scores, but none of them improves credit scores. Like Google and its algorithm, the Fair Isaac Corp. does not divulge the details of how FICO scores are derived. The major reporting agencies only give o...

Protecting Your Credit After an ID Theft with IdentityTheft.gov

Anyone is subject to identity theft these days.  And when it happens, your credit can be damaged. That’s because criminals steal your ID to commit fraud and forgery in your name. Basically, ID theft is when someone takes your personal information without your knowledge or consent and uses the data for ill-got...

Will Your Credit Impact Whether You Get the Job: 4 Things To Know

It’s 2016 and the reality is, there are a lot of people looking for jobs.  The unemployment rate is hovering right around 5%, and according to Careerbuilder as many as 75% of full-time employees are considering new employment opportunities. If you’re one of the many scouting out a new opportunity, you migh...

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