How Long Should Your Life Insurance Term Be?

April 5, 2013

Photo: SalFalko If you’re shopping for term life insurance, two important considerations are how much coverage you need and how long your term should be. While many people folks on the amount of coverage, the length of the policy is an incredibly important factor. After all, the term part is the reason you’re getting term [...]

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10 Little-Known Facts About Home Appraisals

April 4, 2013

Are you preparing to buy a home or sell the one you’re in? If so, the home appraisal process will be incredibly important. If you’re selling your home, a professional appraisal can help you set a fair, realistic listing price. If you’re buying a home, your lender will require a professional appraisal to ensure it [...]

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5 Debt Lessons from the Wizard of Oz

April 3, 2013

Breaking free from the clutches of debt is one of the most difficult yet rewarding challenges in all of personal finance. So when my good friend Ben from Money Smart Life had an interesting twist on debt he wanted to share, I jumped at the chance. Oh, and he’s a recently published author on the [...]

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The Idiot’s Guide to Creating a Budget That Actually Works

April 3, 2013

Photo: 401(k) 2013 Do you live in fear of overdrawing your checking account when several bills come due? Do you carry a credit card balance because you’re living beyond your means? Do you have no idea where your money is going each month? If you answered “yes” to any of these questions, you need to [...]

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Our Rehab and House Flipping Story (Part 2)

April 2, 2013

The rehab is now underway on our investment property. As you might recall, my brother and I bought a HUD home that we are flipping. The plan is to have the house on the market over the next few weeks. In order to determine if this was a good investment we had to consider three [...]

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14 Ways to Lower Your Gas and Electric Bill

April 1, 2013

Photo: danxoneil Looking for ways to lower your gas and/or electric bill? These days, who isn’t? We’ve covered many ways to save energy in an earlier post, but I want to highlight some other great ways to save. These simple, creative or long-term solutions can help you cut your energy bills. Before you start implementing [...]

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How to Correct an Error on Your Credit Report

March 29, 2013

Even small errors on your credit report can cause big problems. A typo in your home address could make it difficult for you to pull a copy of your credit report, for instance. A larger error, such as a creditor misreporting your financial information, could cause more serious issues. This is why it’s essential that [...]

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What Type of Life Insurance is Best?

March 28, 2013

Search around the web for the best type of life insurance, and you’ll find lots of financial advisers who say, without hesitation, that term life insurance is best. While I generally agree and have term life insurance myself, the right answer for each individual is not always that easy. The truth is that with life insurance, as [...]

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Variable Income? 3 Options for Budgeting

March 27, 2013

Photo: RambergMediaImages As a freelance writer, I understand the vagaries of living on a variable income. It’s a boom-and-bust business, and some months, my family has more than enough. At other times, we’re barely squeaking by. Living with a variable income makes it hard for me to satisfy my Type-A-personality need to carefully budget all [...]

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