Wherever you look right now, there is bad news on the economy. Unemployment higher than for the last twenty years and more. Personal levels of debt almost unmanageable. Foreclosures crashing like waves on the suburbs and exurbs, washing away property values. The Federal Government going a trillion and more dollars into debt for the bailout [...]
The majority of people who start up a business want to define an exit strategy. No-one intends to work until the final days before they die. Even if they want to go for something long-lasting to pass on to their children, there has to come a time when they retire, put up their feet and [...]
When the going is good, the majority simply renew their existing policies or spend only a few minutes buying a new policy. Saving a few dollars is less important when credit is flowing freely. But now we are in a recession and every dollar matters, it’s time to look more carefully at how we spend [...]
When buying their homes, most people never really think about the costs of insurance. Yet the building you choose has a direct effect on the amount of premium you will pay to insure it. Where you buy is critical. Should there be a track record of hurricane, tornado or flood damage in the area, many [...]
In the days when credit was cheap, anyone with a secure job paying a check every month could borrow. There were still millions on or below the poverty line, but the majority in the US could buy what they needed and then some. People did still get into trouble. But, mostly, banks and finance companies [...]

