Ladder Life Insurance Review 2022 | Does Laddering Make Sense for You?

  Editor's note: Hey, this is PT. You know I'm a huge fan of term life insurance for those young and married with kids like me. These days it's easier than ever to get signed up for life insurance and protect your family. Do it! Of course, I'm also a fan of self-insuring as much as possible and we're happily heading that direction - getting rid of debt and saving up for our retirement. But I've often thought about changing my life insurance strategy … [Read more...]

What is Private Mortgage Insurance and How Can You Avoid It?

Editor's note: Here's an excellent contribution on the subject of PMI from my friend Ben Feldman. I recently reached that time in life where I’m starting to think about buying a home. I’m ready to settle down, and I like the idea of owning my own place. As I’ve begun to do my research, I’ve also realized how overwhelming the whole process can feel. There are a lot of things to consider when buying a home -- from which neighborhood you want to live in, to how big … [Read more...]

The Mythical Benefits of Buying a Home and the Case for Renting

The real estate market is changing. After years of record-low rates for mortgages, the interest market is beginning to heat up. Homebuyers are suddenly second-guessing their decision to buy. NPR recently reported that many prospective buyers were quoted "3.5 percent" only weeks ago. Now, they're facing 5.2 percent. Homebuyers seeking low mortgage rates have long benefited from extended quantitative easing (QE) from the Federal Reserve. By keeping interest … [Read more...]

Getting Thrifty with Shopping

Visit the thrift store for furniture...and clothes! Thrift store shopping can be an adventure, a thrifty adventure of savings and endless sifting through the racks until you find that vintage gem. It’s certainly an exciting way to shop for clothes that are new to you. More people are turning to thrift stores as a regular place to shop for clothes. Editor's note: I know Mrs. PT just scored some nice Express jeans for just $15 at a thrift store. Another … [Read more...]

5 Money Moves to Make [Immediately] After You Get a New Job

You've landed a plum new job with a higher salary. That's great! However, before the riches start rolling in, it's vital that you consider what your next money move will be. After all, just earning more money doesn't immediately erase any problems you've been having with money. Additionally, rushing out and spending it all won't help you prepare for the future. Did you know... "The average person born in the latter years of the baby boom (1957-1964) held … [Read more...]

Creating an Action Plan for the Future of Children with Special Needs

People living with disabilities are often capable of making their own decisions and are contributing members of the workforce, and society at large. Unfortunately, some people with disabilities cannot live independently or make their own decisions. Parents of individuals falling into this category need to protect them when they reach the legal age of adulthood which is eighteen. They also need to provide protection for the time when they can no longer care for … [Read more...]