Category: Archive

It’s a difficult choice between repaying your debt and saving for your future retirement. Which one do you choose to get the maximum benefit and results?  If you have a debt and also want to save for retirement, consider this easy process:   Examine your debt. As you analyze your debt, pay attention to interest rates… Continue reading Should You Repay Debt or Save for Retirement?

Do you have medical bills your insurance company doesn’t want to pay? You have several options as you explore different ways to pay the bills. If your insurance company won’t pay the bill, consider these ideas: Understand the out-of-network rules. Receiving care out-of-network is one of the most common reasons an insurance company denies payment.… Continue reading Claim Denied by Health Insurance? Try These Strategies

Medical expense accounts offer a tax-advantaged means to save and pay for medical expenses not commonly covered by health insurance. The four types of accounts are: Flexible Spending Arrangements (FSAs) Health Savings Accounts (HSAs) Health Reimbursement Arrangements (HRAs) Medical Savings Accounts (MSAs) These four accounts have different eligibility requirements and contribution rules. The benefits they… Continue reading FSA, HSA, HRA, and MSA: Understanding Medical Expense Accounts

You’re probably familiar with the concept of insurance fraud since it has been around for a long time. The earliest recorded instance involves a merchant intentionally sinking his ship in 300 B.C.! The merchant drowned in the process. You might be surprised at insurance fraud’s adverse effects on your financial future and that of your… Continue reading Life Insurance Fraud – What You Need To Know

A variable universal life insurance policy, known in the insurance industry as a “VUL,” has many benefits. It offers permanent life insurance and allows you to invest your cash value funds as you see fit within the policy. Apportionment of Your Money When You Purchase a VUL Unlike a term life insurance policy, a VUL… Continue reading Variable Universal Life Insurance (VUL) – How To Choose The Right Investment

The Price-to-Earnings (P/E) ratio is a financial metric that is widely used to assess the valuation of a publicly traded company. It is calculated by dividing the market price per share of a company’s stock by its earnings per share (EPS). The formula for the P/E ratio is: P/E Ratio= Earnings per Share divided by… Continue reading What Is A Price/Earnings Ratio or P/E Ratio?

If everyone involved in the accounting process followed their system, or no system at all, honestly, there’d be no way to tell whether a company was profitable. Most companies follow generally accepted accounting principles or GAAP; considerable tomes in libraries and bookstores are devoted to this topic. Unless a company states otherwise, anyone reading a… Continue reading What Are Basic Accounting Principles?

A debt consolidation loan can be outstanding if you avoid the disadvantages. It lets you pay off many debts simultaneously, leaving you with just one monthly loan payment. If you use a home equity loan to consolidate those debts, your interest rate will also be lower. Depending on the loan length, you could save time and… Continue reading Should You Do Debt Consolidation?

You must legally insure your vehicle, but this doesn’t mean you should overpay for coverage. Your insurance provider’s monthly premium expense will impact your budget, so looking for an affordable option is important. It is possible to purchase the kind of coverage you need, protect your vehicle, and save money if you take the time… Continue reading 9 Car Insurance Tips To Save Big

Have you ever studied hard for an exam? Even though you might not have been paying close attention all semester, cramming at the last minute can still be worthwhile. You can apply the same tactic to your life insurance exam. While it’s better to be healthy all the time, there are things you can do… Continue reading Life Insurance Medical Exam – What You Need To Know