This may be distressing news:  even if your homeowners insurance policy covers a certain level of personal property, your high value items may not actually be covered in case of theft or damage. This is because many policies have payout limits per category of item, and per individual item. For example, even if you have […]

Most loans consumers obtain from a bank are backed by collateral that the lending institution can then claim if the loan stops being paid. For example, a home loan is secured by the home itself, and if the homeowner defaults the bank can foreclose on and take possession of the house. Similarly, a vehicle loan […]

While interest rates are still low, buying an investment property might be tempting, especially if you’ve got the down payment and can qualify for a mortgage. Let’s face it: earning revenue is always attractive, so rental or resale income can be enticing. Making the investment into property is a big decision, though, and it carries […]

If you ask people, many of them will tell you that they are not afraid of dying so much as they may be afraid of outliving your resources.  No one looks forward to the time when you can no longer care for yourself.  When that time comes, your ability to live as good a life […]

Women experience extra challenges in life unique to their half of the population; one of them is their longer life span.  The average 50 year old women today can expect to live to nearly age 83; almost four years longer than a man of the same age, according to the U.S. Census Bureau’s 2012 Statistical […]

We love our furry friends and home companions: we cuddle them, walk them, feed them, sometimes even dress them.  They’re like family – in fact, 63.2 percent of people with pets do consider them to be members of the family. So when it comes time for end-of-of life planning, some people wonder if they can […]

Owning a home represents many things: financial success, emotional security, achievement, family, comfort. Our homes are where we return after work, relax with loved ones and sleep safely. Often, though, our home isn’t exactly what we’d like, and we enter the realm of home improvement projects. Home improvements can run the gamut from repainting a […]