01st July 2008
Nearly 40 percent of American households have at least one dog, according to an annual survey by the American Pet Products Manufacturers Association. The average number of dogs per household stands at 1.7, with the total number of dogs in the United State...
08th May 2008
It’s every homeowner’s nightmare: A stranger slips and falls on your property and sues for damages. You assume your homeowners insurance protects you against such lawsuits, and most of the time it does. However, under certain circumstances, you might ...
02nd April 2008
Many lending professionals think all Internet mortgage leads are generated the same way: A consumer fills out an online form, and the lead provider forwards the information to a loan officer or mortgage broker. Over the past decade, Internet lead provider...
14th March 2008
According to surveys conducted by the National Association of Insurance Commissioners (NAIC), millions of homeowners assume that their standard homeowners insurance insures them against several kinds of losses typically excluded from coverage. These exclu...
14th February 2008
Many people are torn between the benefits offered by term life insurance and those offered by whole life insurance. They appreciate the affordability of term life. They also like its flexibility. Term life policies can be cancelled with no significant pen...
28th January 2008
Internet leads are different from other sales leads. They are generated differently. They are delivered in real time. Most importantly, they represent a different kind of prospect. Not surprisingly, an effective sales approach for Internet insurance leads...
11th January 2008
The National Fire Protection Association (NFPA), a nonprofit group that studies fire safety, has mixed news about fires in the United States. In a study published in September 2007, the NFPA reports that the total number of fires in 2006 increased 2.5 per...
05th November 2007
The mortgage liquidity crisis has hit independent mortgage brokers hard. Fewer consumers are qualifying for loans, and those who do are requiring more time to do so. In addition, home sales are declining in most areas, so the number of new home loans is d...
30th October 2007
Since 2005, earthquakes powerful enough to be felt by people have occurred in 40 of the 50 states, according to the United States Geological Survey. Not surprisingly, Alaska, California, and Hawaii lead the nation in frequency and size of earthquakes, but...
22nd August 2007
Health insurance companies have done a good job of offering a wide range of options for consumers—perhaps too good of a job, because selecting the best individual health insurance plan is a bewildering task that leaves many people uncertain about the ch...
09th August 2007
The baby boom generation—born between 1946 and 1964—is bearing down on America’s retirement programs like a pre-climate change glacier. More than 78 million strong, the baby boom seems destined to crush every social program in its path. It cannot be...
23rd July 2007
Science is the study of the physical world, but it is not just a topic, a subject, a field of interest. It is a discipline—a system of inquiry that adheres to a specific methodology—the scientific method. The heart of the scientific method is the use ...
18th July 2007
Many seniors who have been fortunate enough to accumulate some wealth in their lifetime worry that it could all be taken away by a single, prolonged stay in a nursing home. They are right to be concerned. According to the American Association of Homes and...
20th June 2007
The birth of a child can change a parent’s perspective on many things—work, family, career, and even small things like vacations, holidays, hobbies. Priorities can shift. Aspirations can morph into something new and unexpected. Even time can take on n...
09th June 2007
Adjustable rate mortgages are going nuclear: consumers who entered the housing market with low introductory “teaser” rates are seeing their interest rates explode—vaporizing their household budgets in the process.
According to Christopher L. Cag...
