Guest Contributor

Life insurance is something that about everybody thinks about, at one time or another. I mean, perhaps you have a family, need a business loan, or need to cover a mortgage. There are 100’s of reasons why a person may consider life insurance. But oftentimes, people may not think about, how life insurance is priced by the insurance carriers. Life insurance carriers are obviously in the business of making money. Thus, a person’s health profile and lifestyle help determine an individual’s life insurance premiums. The higher a risk you are viewed, the higher your premiums you are. In this article, we’ll cover 5 lifestyle habits, that can have an impact on your life insurance premiums. 1. Smoking, Drinking, and Illegal Drug Usage One … Read more

Are you trying to save money? You may want to have it set aside in a bank account for a rainy day or you may start saving up for something important. No matter what you are trying to do, there are different ways to easily start saving much more money than you were before. Keep Track of Your Expenses Before you can start to save money, you need to keep track of the expenses you have each month. These expenses would include your mortgage payment, rent payment, car payment, money spent on gas, electricity bill, water bill, and even your monthly groceries. If it is hard to figure it out all, check your bank statement to get an idea of … Read more

Whether you’re on a tight budget or you’re trying to save yourself some money – many of us like to get the best bargains when it comes to household items and other consumer staples. While this is usually a great idea, there are certain items that you should never scrimp on. Pinching the pennies on certain items leads to what is called a ‘false economy’. This is where you might spend less many on a certain item initially, however, due to lower quality, you need to keep replacing that item. So, over time, you actually spend more money on the cheaper item than you would have paid for the more expensive item that will last you longer. Of course, knowing … Read more

Graduating from college is –– for many –– a hugely rewarding moment and the culmination of lots of hard work and dedication. The only problem is that a college graduation ceremony isn’t actually a finale, but rather an introduction to the “real world.” Here are the money tips for college graduates they need to know right now. Money Tips for College Graduates Indeed, many recent college graduates have found life outside of academia to be puzzling and frustrating –– particularly in regard to their finances. Financial burdens like student loans, car payments, and regular housing bills can place a massive strain on young individuals. Given that fact, today we’re going to outline four money tips for college graduates can use today … Read more