FP | April 21, 2009
The annuity in its simplest form is a contract between you and the issuing insurance company. Annuities in rare occasions can be a useful place to invest some money if you’ve exhausted all other tax-deferred retirement plan options, but you really need to do your homework. In many cases, it may be better to buy [...]
FP | April 8, 2009
The main reason I started this site/blog is to educate people about the insides of the financial products so people will be able to make the right choices. I been in a waiting room, and like always I picked a magazine from the coffee table to read. Often, you can tell a lot about people [...]
FP | March 23, 2009
Many people are very concerned about the state of their finances and they are not really sure where to start to repair the damage or to help a good situation become better.< Personally instead of talking about budgeting—which in most cases people think about a straight jacket and limited action—I like to talk about a [...]
FP | March 22, 2009
The first step after you admitted that you have a problem is that you want to get out of debt. I found that many people don’t really want to take the sacrifices and discipline to really get out of debt. 1. Keep track of all expenditures. Take a good look at your expenses over the [...]
FP | March 15, 2009
The Only Way to Get Out of Debt: The answer is not the interest rate BUT changing your habits. You need to commit to getting on a written game plan and sticking to it. Get an extra job and start paying off the debt. Live on less than you make. It is not rocket science, [...]
FP | March 14, 2009
Debt Consolidation:multiple debt or credit lines and consolidating them into one new payoff plan. Frequently, this is a consolidation loan, provided to consolidate debts into one loan with one payment, typically shifting credit card debts to secured debt by refinancing a mortgage. It could also refer to a credit counseling or debt settlement program. Debt [...]
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