Home Ownership

Homeowners may now be able to provide actual proof of loss in the event of damage to their homes, thanks to a free home inventory software from the Insurance Information Institute (I.I.I.). The institute is a recognized primary source of information, analysis and referral on insurance and seeks to improve public understanding of the subject, such as what it does and how it works. Read more »

Investments and Savings

It is a given that in order to have a financially secure retirement, one must be intentional and proactive in his or her planning and strategies for that financially stress-free retirement. The earlier in ones career that retirement planning is strategized and implemented is the better the prospects for the desired outcome. There must be a focus on regular and consistent savings, diversified investments, living within ones means, debt avoidance, prudent use of credit and thrift.

Check out this article on 10 steps to retire a millionaire by clicking on the following link:
http://finance.yahoo.com/retirement/article/106000/10-Steps-to-Retire-a-Millionaire

Money Management

With the current economic and financial crisis causing widespread fear, confusion and uncertainty among consumers, many are becoming victims to predatory opportunists who are using fraudulent schemes to separate unwary individuals from their hard earned money, their homes and sometimes all of their life’s savings. Read more »

Credit Management

Mary and Bill recently divorced. Their divorce decree stated that Bill would pay the balances on their three joint credit card accounts. Months later, after Bill neglected to pay off these accounts, all three creditors contacted Mary for payment. She referred them to the divorce decree, insisting that she was not responsible for the accounts. The creditors correctly stated that they were not parties to the decree and that Mary was still legally responsible for paying off the couple’s joint accounts. Mary later found out that the late payments appeared on her credit report. Read more »

Debt-Free Living

Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car?

You’re not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming. But often, it can be overcome. Your financial situation doesn’t have to go from bad to worse. Read more »