For most people, buying a home is one of the most important financial decisions they will ever make. It’s also one of the largest financial obligations, as well. And unlike many other financial obligations, once the “sale is final,” there is no return policy. At least, not for years. So,Continue Reading

Understanding cash value is vital to making informed, effective decisions for your permanent life insurance policy. Cash value is the money that grows inside of a permanent life insurance policy. Policyholders can access their cash value at any time – it is their contractual right. The phrase ‘cash value insurance’Continue Reading

Unlike the old adage about leaving things that work alone, some things really are broken and do need fixing. Like poor or bad credit. While there are many reasons to eliminate all your credit card debt, keeping your existing credit good, is important for the times you really need it. Namely,Continue Reading

The news practically went viral when Utah blogger, Lisa Henderson announced on her Over the Moon site that she and her husband were cancelling Christmas. Why? After recognizing some entitlement attitudes from her three gift-focused boys, she decided to nix the traditional festivities and refocus her kids on attitudes ofContinue Reading

Everyone is looking for that “magic formula” or ‘sure-fire solution’ to help them achieve great wealth and prosperity. We all want a handbook for success, but in my opinion, the handbook is YOU. Before any financial decision is made – before any money is saved or spent, or invested. EveryContinue Reading

Report after report indicates that people in the United States still live paycheck to paycheck. Just google ‘statistics on paycheck to paycheck’ and you’ll find that there is no shortage of information on the topic. From the poor (average median income $21,000) to the middle class (average median income $41,000),Continue Reading