Financial Planning Tips
Debt Management as an Alternative to Bankruptcy
Debt management plans and debt settlement programs are considered the leading alternatives to bankruptcy. They allow the borrower to gradually pay off debt on terms that are agreeable to both parties. At the same time as a debt free solution will result in a low credit score the implications aren’t nearly as serious as filing [...]
FinancialPlanningTips.net is Now a Part of the Investing Blog Carnival
At FinancialPlanningTips.net, we focus on many financial topics, and one area that we focus on is investing. Because of this, we have been invited to join the Investing Blog Carnival! Each week, it will feature great articles from many different finance-focused websites, including FinancialPlanningTips.net. And, every so often, we will host the [...]
The Similarity Between the 1031 and 1035 Exchange
The 1035 exchange is one of those rare times in which officials with the Internal Revenue Service actually put in place a plan to help individual investors. The 1035 comes from the 1030 group of exchanges because it belongs to a section of the tax code on tax-free situations.
Investors who often deal in real estate [...]
What is a Self Employed Remortgage?
When you get a mortgage, much of the data that the financial institution needs will come from your current financial information. However, if you are self employed, this can be more difficult. A self employed remortgage means proving your current income. Of course, when you need a remortgage and self employed is your status, you [...]
Getting a Reverse Annuity Mortgage
Older Americans have just as many problems as other people with monthly income. Unlike younger people, older Americans usually have most of their home paid for. When financial crises come their way, an older person may find reverse annuity mortgages to be a real possibility. Basically, a mortgage is taken out on the home. But [...]
Legal Credit Repair?
If you are trying to rebuild your credit to own a home or some other financial goal, it can be difficult to find a company that you can trust. If you are new to this, it can be shocking to learn from your research that there are credit companies that are scams. Even some of [...]
Why You Should Be An Annuity Buyer
When it comes time to invest in your retirement, you become an annuity buyer. An annuity is an investment of money for a period of time. It means that you put aside money and allow it to collect interest. Someday, your annuity will be liquidated, which will provide you an income for a period of [...]
What is an Inverse ETF?
When you first hear the term inverse ETF, you may be totally confused. ETF stands for “exchange traded funds”. The exchange is, of course, what we know as the stock exchange. So any ETF is going act like a stock that is exchanged on the stock market. The terms associated with ETF are, for example, [...]
Using a Check Cash Advance
It is not only people who have very little money that find a check cash advance to be a good solution. It is a mistake to assume that only poor people use this kind of service. That is simply not true. There are plenty of situations where a check advance no credit check can be [...]
Finding the Best Annuity Rates
Finding the best annuity rates can be a difficult task. Part of the challenge is due to so many companies selling the same product. Almost all financial institutions offer an annuity package. Particularly, they offer a rate of interest based on how much money you deposit and for how long. Finding the best annuity rate [...]
An Overview of Remortgage Loans
When people buy a home, they take out what is called a home loan. When people take out a loan on the value of what they have already paid on their home, this is called a mortgage. Once you have a mortgage in place, you may want to change it over time. It is normal [...]
Fixed Annuity Rates
When you are compiling wealth for your retirement, a few things come to mind. For example, a personal savings account. You might also know about a 401K. However, many people are unfamiliar with fixed annuity rates. Fixed rate annuities are very much like certificate’s of deposits (CDs) that you get from your bank. However, the [...]
What is an Energy ETF?
It is common with the downturn in the economy for many people to want to invest their money an ETF (exchange traded funds) or stock that is stable. One of the solutions to this problem is to invest in an energy ETF. They are one of the most popular commodities in the stock market world. [...]
What are Commercial Insurance Brokers?
Many people are confused when they hear of commercial insurance brokers. They’re often mistake in that this means the same thing as an insurance agent. Nothing could be further from the truth. Most people will be approached by an insurance agent in a sales capacity. However, a commercial insurance broker is different. An insurance agent [...]
What is a Financial ETF?
Financial ETF is an abbreviation for exchange-traded funds. You may know this system of business as the stock exchange. There are many ETFs or stock exchanges throughout the world. In the middle of our global financial crisis, it is financial ETFs that were hit the hardest. This meant that many companies throughout the world had [...]
The Many Types of Mortgages
If it has been a long time since you looked at mortgages, you may be surprised that there are more than three available. The amount of information for the various types of mortgages can be overwhelming. In order to understand them little bit better, it is important to understand who is sponsoring the money. For [...]
The 1031 Exchange Rules
There is a very easy way to sell property under the 1031 exchange rules. Simply put, this involves selling property with a strategy. You must have two qualified pieces of property in order for the 1031 exchange rule to work. This is also known as a tax deferred exchange. Many people get this rule confused [...]
Finding the Best Remortgage Rates
So, you’ve decided that you want to refinance, and you’re wondering how you can find the best remortgage rates. Just in case you don’t know, the best remortgage rates are the lowest remortgage rates. The best remortgage rate can be found by having excellent credit. That’s the simple answer. The complex part of this answer [...]
What is a return of premium life insurance policy?
Life insurance is a critical part of a financial plan. Usually, an insured person has other persons who are financially dependent on him or her. Without life insurance, there would be no way to protect these dependents from the financial hardships associated with the death of the insured. Life insurance is not just used by [...]
Why Are Whole Life Insurance Rates So Much Higher Than Term Life Insurance Rates?
To understand rates for whole life insurance, or permanent life insurance, you must first understand how it works. To do this, we can best look at term insurance first.
The premium is what is payed each month to the insurance company. The premium is determined by one thing in term life insurance – the amount at [...]
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