Why Making Purchases With a Life Insurance Policy Loan Makes Sense

Let me tell you about Jim. Jim is 55, and Jim is pretty mad. I just got done reading an email from him and, he was in a fury, a bit humorous, but the angry overtones were definitely there. He’s mad at himself and the world that he didn’t understand the concept of compound interest…

Continue Reading →

Term Insurance

Often times with the way we talk about whole life insurance, people get the impression that we are against term insurance. This is completely false. We are not using whole life insurance for the insurance. Sure, we hope to get to a point eventually where we have enough insurance from our high cash value whole…

Continue Reading →

Before You Cash Out Your Universal Life Insurance Policy

With the Wall-Street Journal and many other publications talking about failing Universal Life Insurance, many people are wondering what they should do with their policies. You may even have some good cash value built up as well, so what should you know before you cash out? Many people, I find, are looking for a better…

Continue Reading →

What To Do With My Cash Savings

With the Federal deficit at historical highs, artificially low interest rates, banks leveraging money out of control, and the recession dragging on, it has become more difficult for many people to justify putting all of their money at risk in investments. This leads to many people having significant cash reserves. Whether this cash is for…

Continue Reading →

The Cyprus Banking Debacle – Another Case For Mutual Life Insurance

It might be only a matter of time before we see things like Cyprus happen in other countries. Of course they always say this could never happen in the United States, but the truth is we’ve got a serious debt crisis too. In Case You Haven’t Heard… If you woke up on Monday morning and…

Continue Reading →

Premium Financing: What You Need To Know

To the general public the idea of borrowing money to pay for an insurance premium seems like an outrageous idea.  However, the need for premium financing is huge, but these aren’t your average insurance policies. The idea of premium financing or premium funding is simple – typically a third party will loan the consumer funds…

Continue Reading →

Top 5 Must Have Finance Apps

As we enter the 3rd month of this new year I’m hoping you’re well on your way to crushing the financial goals you’ve set. As you make your way along I thought it’d be helpful to take a look at a few of the apps available to help. Quick note: with the sheer number of…

Continue Reading →

Accessing That 401k Money Early

The most common retirement plan we use as Americans is the 401k plan… and why wouldn’t it be? At this point, when you start a new job, you are automatically enrolled and you have to opt out if you don’t want it. I personally don’t have a 401k, and don’t really like them. There are…

Continue Reading →

Selling Your Home Without A Real Estate Agent

Ever bought or sold a home? Then you’ve most likely used a real estate agent. Now I don’t have anything against real estate agents by any means, they provide a great service to those who want to use them. The problem, however, is the fact that you are almost obligated to have one. And in…

Continue Reading →

Recently Unemployed? The Positive Side To Losing Your Job

“It is during our darkest moments that we must focus to see the light.” – Aristotle Onassis I’m sure we have all been impacted by job loss at some point or another, especially in the last few years.  While it isn’t exciting to lose a job, it’s just as much a part of the economy…

Continue Reading →

Page 2 of 22