29th October 2009
There has been a lot of talk lately promoting fixed annuities over certificates of deposit (CDs). This is due in large part to the extremely low interest rates being paid out by most CDs, bonds, and savings accounts at the moment but also to certain a...
03rd September 2009
Let's face it, the insurance wouldn't exist if it wasn't a money-maker. The fact that there are so many different insurance companies insuring so many different kinds of risk implies that it's an extremely profitable endeavor. And if the insurance compani...
28th August 2009
With all the conflicting financial advice you get from television, magazines, newspapers, and the internet, it's easy to conclude that personal finance is roughly as difficult as putting a man on the moon; however, nothing could be further from the truth....
31st July 2009
Annuities often get a bad rap, and deservedly so, but there's one type of annuity that deserves a place in many retirees' portfolio: the immediate (or income) annuity.What Is An Immediate Annuity?An immediate annuity is a contract between you and an in...
09th July 2009
Besides saving for retirement and perhaps purchasing a home, putting your children through college is the single greatest financial commitment you will ever face. With college tuition rapidly spiraling out of control, it's important to make sure you get e...
29th June 2009
With all the commercials out there advertising free credit reports, credit monitoring, etc, you might find it difficult to sort out which products are for real and which are scams. Should you listen to the singing pirate? The bald guy in the business ...
18th June 2009
It's inevitable: you've dedicated yourself, mapped out a solid course of study, and achieved huge gains in a relatively short period of time only to find your Spanish learning efforts hit a plateau. Try as you might and hard as you may work, you just ...
05th June 2009
The invention of no-load mutual funds is among the best things to have happened to the American middle class in decades. Once upon a time, only the rich (who were already financially-secure, anyway) could hope to build and maintain a sizable investment ...
29th May 2009
We've all been there: four years of Spanish in high school, another two in college, and nothing to show for it. I personally know several people who've had the above frustrating experience with Spanish language classes, and I've had my share of Spanish ...
18th May 2009
Those of you who have just started investing may have heard the terms "actively-managed mutual fund" and "index fund" thrown around by personal finance advice columnists, bloggers, and the financial media. This financial jargon may sound like Greek to yo...
13th May 2009
With consumer debt levels at an all-time high and personal savings rates near an all-time low, you'd think personal finance, was rocket science. It's not. Personal finance is merely the practice of handling one's home finances prudently, intelligently,...
13th May 2009
Study after study has shown the importance of achieving a good Spanish to the learning process. The studies are a bit technical in nature but the conclusion is simple: basically, the closer your Spanish accent is to a "good" accent, the quicker you will...
05th May 2009
There are many Spanish software products out there you might be interested in trying. Some, such as Instant Immersion Spanish are relatively inexpensive. Others, like Rosetta Stone, cost upwards of $500 for the complete course! With so much money on the l...
05th May 2009
Did you know that one in four consumer credit reports contain errors serious enough for lenders to deny you access to the best rates or even refuse to lend you money entirely? Unbelievable as that may sound, it's true! The cost of an error on your credi...
23rd March 2009
It is often said only two things in life are certain: death and taxes. Next to coming up with a proper asset allocation, taxes are probably the most important factor that will determine your long-term investing success. As you will see, when and how you p...
