Yearly Archives: 2013

Life Insurance May be Taxable

The life insurance industry and to a larger extent new agents therein are quick to proclaim that life insurance death benefits are always 100% tax free… this is just plain wrong.  The sad part, is that those newer agents don’t even know that they are only providing their client’s with half-truths.  There are very real,Continue Reading

Maybe There is Yield Out There! Bank Bonuses offered by Kasasa

When I first started to actually looking at my personal finances, even prior to the creation of this blog I was heavy into yield chasing and bank bonuses.  I thought I was doing myself a favor by squeezing out that extra half a percentage point, little did I know that the CC debt I wasContinue Reading

At What Age Do I HAVE to Buy Life Insurance?

Evan’s Note: I disagree with this Guest Blogger.  I believe the time is much earlier than the one he proposes.  First off, you don’t ever have to buy life insurance; however, if you want to be smart, live comfortably, and ensure that your loved ones won’t be burdened by any financial strain that you leaveContinue Reading

How To Keep those Unexpected Monthly Charges in Check

We all do it: we’re hit by some miniscule monthly recurring fee and then, BAM, we messed up our budget and sometimes even get smacked with an overdraft fee (if you let your account slip up a little too much). Recurring fees, whether it’s that subscription to Netflix or your favorite print magazine, can becomeContinue Reading

How Benefits Affect a DMP

If you receive benefits, you might be wondering whether you can use a debt management plan to bring your debts under control. The answer is yes. DMPs are very flexible, and setting up a DMP can be a really good way to turn your finances around. The good news is that any income can beContinue Reading

Seeing Personal Finance Bloggers Just Treading Water Bums Me Out

I have been blogging for about 4 and half years and during that time I have interacted and followed a ton of blogs.  I don’t read personal finance blogs because of the information they are sharing, but rather, the stories they are telling.  For some reason, I am able to empathize with their situation regardlessContinue Reading