http://www.articlealley.com en-us editorial@articlealley.com Buying your first home can be a nerve wracking event given the massive debt you take on. When you sell, the profits can also be huge. Unfortunately, this raises tax issues as well. It is no secret the current real estate market is not exactly a hot on... http://www.articlealley.com/article_499392_33.html 28th March 2008 Imagine paying $30,000 in costs to get a mortgage for $368,000 with a 9 percent interest rate. Who in their right mind would? Well, welcome to the cons of the reverse mortgage! The reverse mortgage is a relatively new financial product on the market. I... http://www.articlealley.com/article_186695_19.html 19th July 2007 The finance industry is often coming up with new products. The latest, greatest thing is the reverse mortgage. The reverse mortgage is essentially a proposed solution to the current nest egg problem we are seeing in the United States. What is this pro... http://www.articlealley.com/article_186694_19.html 19th July 2007 If you really have a favorite charity and want to make a sizeable donation, you might consider Life Insurance. You can donate a Life Insurance Policy to a charity and realize a tax deduction on the premiums. You really have complete freedom when it com... http://www.articlealley.com/article_181113_19.html 01st July 2007 Premium Financing for Life Insurance can allow you to have what amounts to basically free Life Insurance. Just how does this work? The basic idea behind premium financing for Life Insurance is that a loan is made by a bank or other financial entity and... http://www.articlealley.com/article_181112_19.html 01st July 2007 A Life Insurance death benefit is going to be subject to estate tax which could reduce the amount available for your dependents. An Irrevocable Life Insurance Trust is a way to avoid this taxation. An Irrevocable Life Insurance Trust is a form of Trust... http://www.articlealley.com/article_181111_19.html 01st July 2007 One type of investment that is growing in popularity is the buying of Tax Liens on Real Estate. While on the surface, this investment seems like a sure fire winner, there are some pitfalls in the process. A Tax Lien is a claim against a property for th... http://www.articlealley.com/article_178420_33.html 29th June 2007 Taxes are a headache that everyone has to deal with and it is certainly depressing when a tax lien is put on your property. On the other side of the picture, tax liens of Real Estate present a good potential investment. What are tax liens on Real Estate? ... http://www.articlealley.com/article_178419_33.html 29th June 2007 Among the many opportunities that can be found to purchase investment Real Estate under market value, Government auctions of seized property is one of best. Finding IRS Real Estate auctions has gotten a big boost from the advent of the Internet. When t... http://www.articlealley.com/article_178418_19.html 29th June 2007 The laws that deal with discrimination in Real Estate date back to the years right after the American Civil War. These discrimination laws apply to Real Estate investors also. The American Civil Rights Act of 1866 prohibited discrimination in the renta... http://www.articlealley.com/article_178417_33.html 29th June 2007 Life Insurance Policies are another way to accumulate tax deferred wealth and it is possible to borrow against the cash value. But are Life Insurance Policy Loans Taxable? A permanent life insurance policy has the added feature of accumulating a cash v... http://www.articlealley.com/article_178410_19.html 29th June 2007 Permanent Life Insurance Policies will accumulate a cash value and this money can be borrowed to meet emergency needs. This can be a real benefit of Life Insurance or it can have serious consequences. The primary purpose of Life Insurance is to provide... http://www.articlealley.com/article_178409_19.html 29th June 2007 Financial reports often make reference to in-force Insurance Policies. What is an in-force life insurance policy? In-force Insurance refers to the total dollar amount of insurance that has been issued by the company. It is usually measured as the sum o... http://www.articlealley.com/article_178408_19.html 29th June 2007 It seems that there are rules and regulations for everything connected with the financial world. Choosing Life Insurance beneficiaries is an exception to this. The only rule on how to choose Life Insurance Beneficiaries is to make sure that your own w... http://www.articlealley.com/article_174245_19.html 15th June 2007 Life Insurance Beneficiaries are going to be the people who receive the benefits. Many people do not realize that the selection of beneficiaries is a very critical part of the Life Insurance process. Life Insurance Beneficiaries are the entities that a... http://www.articlealley.com/article_174242_19.html 15th June 2007 Most people, comfortable with their own sense of immortality, might look to a Life Insurance Company rating as an indication of the lowest premiums for x amount of Life Insurance. A bit more important is the Company’s financial stability and its ability... http://www.articlealley.com/article_173694_19.html 15th June 2007 Many people give the World Wide Web the credit for the existence of Life Insurance Rating Companies. While the internet has given the consumer quicker access to them, Life Insurance Rating Companies have been around for over 100 years. A Life Insurance... http://www.articlealley.com/article_173693_19.html 15th June 2007 Many people feel that trying to get an understanding of Life Insurance Illustrations and taking a crash course in the Greek Language are on about the same difficulty schedule. Although they are somewhat daunting, Life Insurance Illustrations are not quite... http://www.articlealley.com/article_173691_19.html 15th June 2007 Many people ask the question, “does your employer have to provide Health Insurance”? The answer is no, but several potential Presidential candidates are suggesting that they should. Many people are confused about the issue of employer sponsored hea... http://www.articlealley.com/article_171674_17.html 08th June 2007 When you reach the age of 65 or become disabled, you are eligible for Medicare, but when are you eligible for Medicaid? Medicaid eligibility, unlike Medicare’s, is not automatic. Medicaid is a government funded health insurance program like Medicare... http://www.articlealley.com/article_171673_17.html 08th June 2007 As a person nears retirement age, they begin to wonder if they are eligible for Medicare. Many people do not realize that they may even be eligible for Medicare before the age of 65. Medicare is the largest health insurance plan in the United States. I... http://www.articlealley.com/article_171672_17.html 08th June 2007 Everyone knows that College is expensive. In planning to meet these expenses health insurance for College students may be low on the list, but it could be first on the list of possible financial disasters that can derail all your well thought out plans. ... http://www.articlealley.com/article_171671_17.html 08th June 2007 When a person loses their job for any reason, and fears the subsequent loss of their health insurance coverage, COBRA mandates that they have the chance to keep the coverage intact. But why does COBRA Coverage cost so much? COBRA stands for the Consoli... http://www.articlealley.com/article_171670_17.html 08th June 2007 Should you buy Supplemental Health Insurance? How many ways are there to say, yes, yes, yes? The basic fact that you need to know about Health Insurance is that hardly any basic policy is going to be comprehensive enough to satisfy the needs of any pe... http://www.articlealley.com/article_171669_17.html 08th June 2007 Many people approaching the age of 65 are under the illusion that their health insurance problems are almost over. What you should know about Medicare is that you are still going to need your Insurance agent. Medicare in the United States is a governme... http://www.articlealley.com/article_171666_17.html 08th June 2007 There is a gap in Insurance coverage when a person suffers certain critical illnesses. Their medical expenses could be covered, but they are now ill and unable to work. Critical Illness Insurance fills this gap. Critical Illness Insurance pays a lump s... http://www.articlealley.com/article_171665_17.html 08th June 2007 A very popular Health insurance plan for healthy young people is the High Deductible Health Plan. Its only problem is high deductibles and that is where the Health Savings Accounts come into play. A Health Savings Account, or HSA, is a tax advantaged s... http://www.articlealley.com/article_171664_17.html 08th June 2007 As we all know, taxes are something that have to be taken into account in any investment strategy. Real estate is no different, but there are some advantages to investing in property. The stock market is the glamour investment platform in our country.... http://www.articlealley.com/article_163197_33.html 22nd May 2007 Owning a home is the American Dream, but is buying additional real estate a good investment? It can be so long as you have realistic expectations. There are a lot of investment strategies out there, so why would real estate be on the table? The reason... http://www.articlealley.com/article_163196_33.html 22nd May 2007 At first blush, term life insurance seems as though it would refer to just one type of insurance policy. In fact, term life insurance really breaks down into four unique policies. Term life insurance is the simplest form of life insurance you can buy. ... http://www.articlealley.com/article_161981_19.html 21st May 2007 You probably already know you need life insurance as part of practically any financial plan. That being said, how do you determine how much you need? Life insurance is much like taxes for many people. You know you should, and indeed, have to deal with ... http://www.articlealley.com/article_160453_19.html 16th May 2007 Americans have the attention spans of gnats. This unfortunate fact can really hurt you when it comes to finances. Simply put, you need to plan for the future…today! The government knows your coming. And it is terrified! The simple fact is there is a ... http://www.articlealley.com/article_160452_19.html 16th May 2007 You should always have health insurance if at all possible. That being said, there are some basic issues you consider and understand before buying it. Perhaps the most common question I hear is, “what is the best plan for me?” The simple fact is t... http://www.articlealley.com/article_160380_17.html 16th May 2007 The medical care system in the US has become more and more dysfunctional over time. Two states, however, are offering universal health care for their citizens. There are roughly 300 million people in the country. Of this total, roughly 46 million do n... http://www.articlealley.com/article_160378_17.html 16th May 2007 Purchasing health insurance for yourself can be a trick task. The language of health insurance is beyond the norm of most people, so you need to keep some general questions in mind. The minute you start filling out health insurance applications, you r... http://www.articlealley.com/article_160377_17.html 16th May 2007 Here today. Gone tomorrow. This is obviously something most businesses do not want to think about, but should for the benefit of a business carrying on after the loss of key employees or owners. Succession planning refers to the development of a compr... http://www.articlealley.com/article_159774_15.html 15th May 2007 Families run the vast majority of small businesses. The question is whether these businesses will survive the first generation of owners. The succession plan is necessary in a large public Corporation. Some recent legislation has made this even more s... http://www.articlealley.com/article_159773_15.html 15th May 2007 When most people think about life insurance, they picture leaving money to family members. As a business owner, you also have to consider the future of your company. Although you might not realize it at first glance, your company is essentially another... http://www.articlealley.com/article_158204_15.html 11th May 2007 Small businesses are the backbone of the economy and most are family owned. Despite these large numbers, the sad fact is the vast majority of family owned businesses do not survive the first generation of owners. Nobody really thinks they might die t... http://www.articlealley.com/article_158202_15.html 11th May 2007 If you own a business, you worked hard to get it up, running and successful. Succession planning makes sure your business survives when you don’t. Most businesses don’t think about succession planning until a crisis hits. Running a successful com... http://www.articlealley.com/article_158201_15.html 11th May 2007 In any financial transaction, whether a debt or investment, flexibility should always be sought out. As with certain debt programs, there are annuities that are highly flexible. One of the really good things about annuities as a money management and fi... http://www.articlealley.com/article_157853_19.html 10th May 2007 Inflation is a subtle, but nasty, factor that eats away at the value of your money over time. There are certain annuities designed to counter this loss of value. One of the givens of the economic reality is the fact that the purchasing power of money d... http://www.articlealley.com/article_157852_19.html 10th May 2007 An annuity is an insurance product that really acts as a financial investment. That being said, there are a wide variety of annuity options. There are several distinct annuities you can chose from. The differences tend to revolve around the method of p... http://www.articlealley.com/article_157851_19.html 10th May 2007 Annuities represent a conservative, but effective, way to provide steady income. So, just how does this process work? The principle behind annuities is really the concept that it takes money to make money. When there is a large sum of capital available... http://www.articlealley.com/article_157850_19.html 10th May 2007 Insured investments are an important part of any financial plan. An annuity is one such aspect. An annuity is a legal contract whereby one party pays in a lump sum of money to another and receives regular payments in return over an extended period of t... http://www.articlealley.com/article_157849_19.html 10th May 2007 When you are ready to get serious about your finances, it is time to get a financial planner. That is great and all, but what should a financial planner do for you? Life is busy. It is simply amazing. The more gadgets that come out that are supposed to... http://www.articlealley.com/article_157293_19.html 09th May 2007 At some point in your life, you are going to start thinking seriously about financial planning. When you do, the question of whether you need professional help should come to mind. It happens to everyone. Something comes up that makes you realize you ... http://www.articlealley.com/article_157292_19.html 09th May 2007 If you are like most people, the mere mention of insurance is enough to make your eyes glass over. Well, wake up. This is important. You need to take some important steps. The insurance industry is such these days that you can insure practically anyth... http://www.articlealley.com/article_157291_19.html 09th May 2007 Insurance can be both simple and complex. The process is simple, but you need to ascertain what you actually need. It is wise to remember a basic premise of the Insurance industry when you are considering a life insurance policy. Life insurance polici... http://www.articlealley.com/article_154055_19.html 01st May 2007 Listen to the radio and you will hear endless advertisements for term life insurance. So, what exactly is it? Glad you asked. Term life insurance is the original kind of insurance. It provides a basic payout in the case of the death of the policy hold... http://www.articlealley.com/article_154054_19.html 01st May 2007