Options When You Have an Insufficient Retirement

No one likes to think about it, but it does happen, especially in our current economic climate.  People reach retirement age and don’t have quite enough saved.  As the Huffington Post points out, The average person in the United States will spend 21 years in retirement, but will deplete their savings after just 14 years,…Continue Reading

Are You Still Paying for a Landline?

Before we moved The Wife and I had a landline as well as a virtual line that came with our triple play package.  We kept the landline because the town house was set up for one line and The Wife needed a fax line so the landline provided a ghost ring for faxes.  Now that…Continue Reading

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!

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 was…Continue 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 leave…Continue Reading