Food budgeting. Yikes. No one wants to talk about it. This has to be the most unsexy topic that I have written about (and I have written about fixed annuities). However, as I write this article, the inflation rate in the US is about 9.1% year over year. This makes Read more…
Payday loans. Not much makes my skin crawl as much as thinking about this topic. I get it. Sometimes people come on hard times and need to get a loan. I have been there. I have maxed out credit cards, written hot checks, borrowed from family and friends, and yes, Read more…
Building credit with credit cards.Credit is one of the most frustrating financial topics to me. It’s really a conundrum. You don’t necessarily have to have credit. But it sure makes life a lot easier. Without it it is difficult to rent an apartment, pay low car insurance rates, get a Read more…
Indexed Universal Life Insurance.This has become a really bigtime product sold by insurance brokers over the past few years. And even during the first several months of 2022 and beyond, as the economy seems to slip further and further downhill, these policies have become much more popular. It seems that Read more…
Health insurance is confusing. As can the public exchange for health insurance. There is no getting around it. There are so many things to consider: deductibles, premiums, coinsurance, max out of pocket, prescription coverage, etc. And it can be even more confusing when you don’t have an HR rep at Read more…