Investors have been bullish about forecasts for the coming year. The next year will most likely be quite eventful for the financial industry. The Federal Reserve recently made announcements that businesses should expect multiple interest rate hikes in 2018. Most financiers expect the short-term rates to rise somewhat, but nothing more serious than that. What are reasons for the pending hikes? These include a strong economy and a low unemployment rate. Both of these lead to a promising investment environment for the next year.
Insurance is one of those things that you have to have, but don’t want to use. Paying for it is no fun, that’s for sure. We are well covered (we think) but were recently able to save on insurance.
We use one company for our home and auto insurance needs. We’ve also had an umbrella policy that provides additional coverage across both policies. Bundling all of our insurance seems to be a good way to save money.
For years, we’ve been with Allstate. I started off with them when I graduated college and needed auto insurance. I’ve been pretty satisfied. When I did have some claims, I never had a problem with the process. All seemed pretty well.
When you’re shopping for life insurance, there are dozens of different factors that you’ll need to consider to ensure that you’re getting the best plan possible. Life insurance is the most important safety net that you can ever buy for your loved ones. It’s one of the few ways that you can ensure that your family has the money that they need, regardless of what happens to you.
One of the biggest parts of a life insurance policy is the medical exam. It plays a major role in how the insurance company views you and how much they are going to charge you for protection. There are a lot of people that want to skip the medical exam. For whatever reason, these people don’t want to go through the hassle of taking the exam, luckily, there are several options for life insurance without the exam.
My wife and I were talking about drugstores the other day. We tried to remember if they were always expensive places to shop. I thought that they used to be a little more reasonable on everyday prices. But, she wasn’t so sure. Regardless of who was right, there is one fact that’s clear. Shopping at the drugstore can be very expensive. But it doesn’t have to be a place to avoid. You can save money at the drugstore. Here are some tips.
Sign Up For Rewards Programs
Rewards programs will often give you money back after a certain level of spending. You can even get bonus rewards on certain items. Just keep an eye on their weekly flyers.
Over the past week, we have spent $2,540 on gift cards. You might think I’m crazy. I’m not. Maybe we’re going nuts for Christmas this year? Nope. We’re actually cutting back.
So then why are we spending all this money on gift cards? Because….we’re going back to Disney World!
What does one have to do with another? Well, read on. I’ll first go over the trip, then make clear why we dropped some serious bank on gift cards.
Recapturing The Magic
Some people are afraid to invest their money because they are afraid of losing it. Others are completely unsure of what investing their money entails and what it can do for them. Investing is a building block for a healthy financial standing if done properly and with some education. Don’t worry, you won’t have to go back to school! Today we are going to talk about ways to invest, why you should invest, and who to talk to get the assistance and understanding you need.
Leave Your Legacy Behind
Owning a car is something that many people dream of. However, many simply do not have the money needed to buy one. There is a way for this dream to become a reality. Getting a car loan has allowed millions of people the ability to buy a car and slowly pay for it in monthly installments. There is obviously interest that will also need to be paid.
You might be seriously thinking about buying a car at some point in the near future. If this is the case, you need to explore all of your options where car loans are concerned. You would be wise to educate yourself. This will help to ensure that you get the best car loan at the lowest possible interest rate. Here are some tips that will be very useful when it comes to buying a car with a loan.
Get a copy of your credit report.
I used to post net worth updates, but they were my least commented upon posts. So, I stopped. But, I still track our household net worth every month. This goes back over fifteen years. Things change and evolve, but the process has largely stayed the same. Here is how I calculate our net worth.
I always do our net worth on the 7th of the month (give or take a day). The reason for this is because a lot of transactions take place around the 1st of the month, and can take a couple of days to clear. I want to make sure that everything is processed. Waiting a couple of days past the first of the month is the best way to make that happen. These things include: