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Preventative medicine is an investment in the quality of your life. Not only does it decrease the probability of a future serious illness but it also substantially reduces your future health care costs. Heart disease, diabetes and cancer contribute to a large number of illnesses, disabilities and deaths. They’re also some of the most costly conditions [...] Read more » Your credit score can affect your future cash flow. It can increase insurance premiums, job offers, housing costs and interest payments. Insurance Different rules apply for life, home and auto insurances. Life insurance A bad credit score will exclude you from top-tier life insurance, but your score doesn’t weigh heavily at any other level. Although it does get factored in, [...] Read more » What is a credit score? A credit history is a collection of all of the pieces of financial information that relate to your life. It contains information on how long you’ve had your individual credit accounts, the account limits, balances, and your payment history. Current and future creditors only want to know one thing: if they loan [...] Read more » These are some spending areas where there is a good chance that you can save money, freeing up cash for debt reduction or savings. Look at buying used instead of new. Cars lose much of their value the minute they are driven off the dealer’s lot – losing thousands of dollars in value in their first [...] Read more » Debt consolidation is an important objective for many families. For many people there is no clear way out of their debt problems – especially as they continue to meet their ongoing living expenses. One debt consolidation option is to use equity or some type of collateral to obtain a debt consolidation loan. This option can provide value [...] Read more » All it takes to lower your credit card interest rate in many cases is a simple phone call. A 2002 study found that over half the people who had good credit and called their credit card company to get a better interest rate were able to do so with the average person reducing the rate [...] Read more » A quick way to begin reducing your expenses is to look at daily and recurring spending. Here are a few categories where ongoing expenses really add up when annualized. 1. Coffee – According to the National Coffee Association, the average price for brewed coffee is $1.38. There are roughly 260 weekdays per year, so buying one [...] Read more » How much transportation costs you has a lot to do with where you live. If you live in Houston, the average family spends 20.9% of their annual household costs on getting to work. Cleveland, Detroit, Tampa, Fla., Kansas City, Mo., and Cincinnati also are on the list of the country’s biggest cities where transportation costs [...] Read more » If your credit score isn’t good you’re apt to get less-desirable terms, and you’ll pay a little more than the average consumer because the lender is taking on a greater risk. Here’s information you can use to learn how lenders evaluate you, understand a few of the tools they use to make their choices (such as [...] Read more » When you have low premiums for your health care you give up a lot of expensive medical coverage – you are self insuring more as you transfer the risk from the insurer to yourself. To protect your assets, it’s important that your insurance policies give you enough coverage in case something horrible happens to you or [...] Read more » Is it a good move to pay down high-interest credit card debt using a lower-interest home equity loan or line of credit? The short answer is: no. According to the Mortgage Bankers Association, at the height of the debt leveraging in 2007 Americans had more than a trillion dollars in outstanding home equity loans. It was estimated [...] Read more » The credit industry is retrenching. Lenders are separating out the “haves” and “have-nots”. So now is the time to tune up your credit record. Getting credit is similar to any competition – it’s all about the score. The highest rankings merit the lowest rate and make the difference between getting a card, line of credit or [...] Read more » There may not be such a thing as a free lunch. However there are free products and services to help you improve your cash flow and build your net worth that are just as good – if not better. Here are a few examples. FREE (AND LEGAL) MUSIC Here are a few ways you can save money by reducing your energy costs: Lowering the Thermostat Save $22 per month by lowering your thermostat by 5 degrees. Most homes stay warm and comfortable when their thermostats are set between 65° and68°. If yours is set higher, you may be using more energy than you need. For [...] Read more » |
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