Ways to Reduce Your Car Insurance Bill

Yesterday I witnessed a car accident. I was headed to work on a two lane road, when I heard the car that had just passed me going the other way lay on the horn. In the rear view mirror, I saw the car smack into an SUV that had pulled out in front of it. […]


401k Layoff Trap

I was surpirsed at the “Borrow from your 401k” suggestion. While it’s true that it’s better than cashing out, so many people are being laid off unexpectedly. When this happens, it must all be paid back or considered a cash-out, which comes at a time when people are least able to repay because they just […]


Rising Rate CDs Are Like Fine Wine, They Get Better With Age

A rising rate CD, as the name suggests, is a certificate of deposit in which the interest rate can go up during the term of the CD. There are two types of rising rate CDs. In the first type, if interest rates go up during the term of the loan, you have the option to […]


How is the Dow Calculated?

Recently, Travelers and Cisco replaced GM and Citigroup as part of the Dow Jones Industrial Average Index (DJIA). When it became clear that GM and Citigroup’s days on the Dow were numbered, people began speculating which companies would take their place. Because there are no set rules on what companies will make up the Dow, […]


The Run Down on Athletic Scholarships and Tips to Receiving One

The most competitive and well known athletic awards are the NCAA scholarships. Unfortunately, only a small percentage of high school athletes are talented enough to participate at such a level. The good news is there are other national athletic organizations that provide scholarships such as the NAIA and NJCAA. If you are willing to compete […]


Weighing Health Insurance Costs: Co-Insurance vs. Co-Pay vs. Deductible

Individual health insurance plans can be costly, complex and downright confusing. Navigating the world of co-insurance, co-pays and deductibles becomes a difficult task when it comes to choosing insurance plans that are not prepackaged and backed by an employer. Many self-employed individuals and those who work for employers that do not provide health insurance spend […]