Extended Warranties Many merchants encourage customers to buy extended warranties when they buy autos, appliances or electronic items. They’re profitable for the merchants, who pocket up to 40 percent of the amount before sending the rest to the insurer. Don’t buy extended warranties on appliances or electronics. While you pay for them in advance, they […]

Many lenders require borrowers to get credit life or disability insurance. It protects the lender if the borrower dies or becomes disabled before repaying a loan. For the borrower, however, it’s no bargain. According to the Wall Street Journal, insurers collect over $2 billion a year in premiums, but pay out only $900 million a […]

The salesperson who pressures you to buy now should trigger a red warning flag in your mind. Consider the friend who drops by to give you an opportunity to invest in a red-hot deal. Unfortunately, you must decide today (they say) because they are going to start drilling for oil in the morning. Now you […]

Only a foolish person would begin a long journey without knowing the destination. Have you ever seriously thought about drawing up a plan for your life and deliberately mapping out where you want life to take you? It may be that you have considered some New Year’s resolutions to guide you through the coming year. […]

After you have tackled your debts head-on and paid them off, make sure you take time to reward yourself! Here are five low-cost ways to treat yourself: Grab a mocha from your favorite coffee shop, find a bench where there are lots of passers-by and watch people. Rent a DVD and enjoy a quality movie! […]