The Dirty Secret Your Life Insurance Broker Isn’t Telling You


A couple of weeks ago, I told you about the big issue with your mortgage broker. Essentially, they're getting paid a volume bonus to funnel most of their business to one or two lenders, which makes it really difficult to believe that a broker is truly sending your loan to the lowest priced lender. If you think the mortgage broker business is bad for doing this, then you're not going to like what your life insurance broker is doing. The life industry in a nutshell The world of life insurance brokers works very much like the world of mortgage brokers.…

Simple Celebrations for Christmas Savings


Like the fictional Cratchit family in Charles Dickens "A Christmas Carol", most of us realize that Christmas isn't about the things that money can buy, yet even that family was excited to be able to have a big fat goose for Christmas dinner, courtesy of a reformed Scrooge. Many children in North America experience a vastly different Christmas than the Cratchit family had, with brightly wrapped boxes filled with presents extending many yards out from under the tree into the living room; special Christmas outfits; and large store bought stockings filled with candy and toys. It seems that parents feel…

How Burial Insurance Can Save You Money in Your Senior Years


The burial of Alexander the Great in 323 B.C. was One of the large companies extravagantly expensive. If it were to occur today, it would be the equivalent of $600 million. It is considered the highest costing funeral in history. Alexander the Great was placed in a glass case complete with honey. It was then put in a gold sarcophagus sheathed in a gold coffin. A new road was constructed from Babylon to Macedonia, so eleven dozen horses could carry his bejeweled hearse. Do you think he had burial insurance? A guaranteed payout would have been issued to his beneficiaries…

The Importance of Your Credit Score and How to Improve It


Whether it is renting an apartment, purchasing a vehicle, applying for a credit card, or in some cases, applying for a job, your credit score is a factor. They say that this is a gold-based economy. But we don’t carry around strips of gold. We carry strips of plastic. As a plastic-based economy, we trade in credit and debt. Manage those two things well, and the world is your oyster. Manage them poorly, and you had better have a huge stash of gold buried in the back yard. Here is a closer look at why good credit matters, and how…