Defeating Debt
13 July, 2009
Jab another high interest rate and here comes an upper cut it’s a call from another creditor. Just when you think its over, your hit with a left hook, “Sorry we’ll need a deposit before activating that account”. Dealing with credit card debt can feel like a knock down drag out fistfight. With over 56 million1 Americans admitting to not paying their bills on time and credit card charge offs reaching 9%2 an end to the credit crises is nowhere in site. Banks are reducing lines of credit, no credit, bad credit offers are a thing of the past and lenders have little sympathy for subpar applicants. To knock debt on its back it’s critical to prepare yourself both physically and mentally. (more…)
Living the Beneficial Life
27 April, 2009
Ok, pop quiz. Have you ever made one or more the following statements in your lifetime?
- “I promise to start my exercise plan tomorrow, seriously.”
- “If I just lose 5 pounds, I won’t have to pray before trying to squeeze into those new jeans.”
- “I really need to stop smoking.”
- “Who cares if that Whopper with Cheese has 770 calories and The Cheesecake Factory’s Chocolate Oreo Mudslide cheesecake has 1,050 calories in just one slice…I’m worth it! Besides I’ll just work it off on the exercise plan I’m starting tomorrow.” [1]
Sounds familiar, right? But did you know that each of these statements directly affects your ability to obtain adequate and affordable health and life insurance? (more…)
Time is Money
20 April, 2009
Saving for retirement has taken a back seat to other items in your budget for far too long. You may be waiting for the economy to recover, feel you don’t have enough money to save, or have simply decided to wait until you are “older”. Although planning for retirement can seem daunting, you will find relief in knowing that an early start is one of the most successful strategies. By putting time on your side, you increase the number of years your money has to grow and decrease the monthly amount you’ll need to set aside to secure a comfortable nest egg.
If you had a choice of receiving $100,000 toward your retirement or a penny that doubled for 30 years, which would you choose. Most would choose the $100,000 and miss out on a whopping $10.7 million. (more…)


