Author Archives: consumerjournal

Life Insurance – How Much and What Type Are Right for Your Family

Life insurance is designed to provide families with financial security in the event of the death of a spouse or parent. Life insurance protection can help pay off mortgages, help provide a college education, help to fund retirement, help provide charitable bequests, and, of course, help in estate planning. In short, if others depend on your income for support, you ...

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Identity Protection

It seems like every week there’s another story in the news about some organization or retailer getting hacked, with the personal information of millions of consumers falling into the hands of people who will sell it on the black market or use it for other nefarious purposes. You’d be amazed to know what can be done with just your name, ...

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Diabetes

Diabetes, the inability of the body to properly metabolize glucose, is a disease that affects millions of Americans. Type II, or Adult Onset Diabetes, is the more common form and management of the disease can vary greatly from patient to patient. Some can manage by simply modifying their diet (eliminating sugary foods, for example) and losing weight. Others may require ...

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Debt Consolidation

Debt is one of the most common causes of stress, depression and marital strife. Many people, due to circumstances beyond their control (like an unexpected illness or needed home repair), find themselves deep in debt, being hounded with collection calls by credit card companies, medical billing companies and other debt collectors. Handling these calls and trying to make exorbitant interest ...

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Physical Therapist Degree

The demand for physical therapists is greater than ever and is expected to increase by over 100% over the next decade. This is a great field to enter, as the opportunities for growth and job security are high and will continue to grow. There’s also the added benefit of being able to get trained and certified as a physical therapist ...

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Home Equity Loan

The equity in your home is often the lowest cost and most convenient source of funds available when you need to pay for things like a new car, home renovation, college education or other purchase where you’d normally apply for financing or a loan from a bank. A home equity line of credit (commonly referred to as a HELOC) is ...

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Reverse Mortgage

For many people, a reverse mortgage is an ideal way to provide steady income throughout retirement. To qualify for a reverse mortgage, you typically need to be 62 or older and have your home full paid off (in some cases you can qualify if you have a very low remaining mortgage balance). If you meet those qualifications, you should be ...

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Cosmetic Dentistry

Your smile is often the first thing people notice about you – whether it’s people you’re meeting for the first time or people you’ve known your whole life – and can have a big impact on the impression you make. Straight, white teeth project beauty, confidence, youth and health. Yellowed, uneven or missing teeth can convey the opposite. Fortunately, cosmetic ...

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Credit Cards

Credit cards are one of life’s greatest conveniences but can also be dangerous if used unwisely. Sky-high interest rates, late fees, cash advance fees, annual charges, penalties and other pitfalls can all be very unpleasant surprises on your credit card statements. We’ve put together a quick list of things you should look for when searching for credit cards. Depending on ...

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Credit Repair

Your credit score may be the number that impacts your life more than any other – more than your IQ, your weight or even your income. Any time you apply for credit – whether it be for a credit card, a mortgage, auto loan, student loan – and sometimes even when you apply for a job, your credit report is ...

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