http://www.financealley.com en-us editorial@financealley.com How can I receive special treatment and free tickets from the Airline? - Get to know the Airline personnel that you see the most. If you use the same Airline to fly out of the same airport, take some time to recognize people. If you take the time to g... http://www.financealley.com/article_620952_19.html 05th September 2008 The most popular cruise destinations now are the Mediterranean, the Caribbean and Alaska. Here is how to choose the perfect region for your next cruise... --- THE MEDITERRANEAN Most cruises focus on one of two regions... - Western Mediterranean,... http://www.financealley.com/article_620949_19.html 05th September 2008 If you or someone you love is diagnosed with a serious ailment, such as cancer, heart failure or some other chronic or life-threatening disease, it's easy to become so consumed with the reality of a medical condition that you overlook important legal issu... http://www.financealley.com/article_620935_19.html 05th September 2008 An average day in a hospital costs about $2,000. The typical cholesterol-lowering drug can cost about $100 a month. It's no wonder that we value our health insurance so highly. However, losing your health insurance is a real possibility. Many people lo... http://www.financealley.com/article_620933_19.html 05th September 2008 Medicare Part D, Medicare's new drug benefit program, is 'extremely confusing. Traps to avoid… *The waiting pitfaH. Some people believe that delaying enrollment makes sense because their current drug costs are lower than their premiums would be under... http://www.financealley.com/article_620932_19.html 05th September 2008 Beware these common traps made with life insurance that can reduce its value to your family ... or leave you paying a bundle to the IRS. Trap: Owning too much life insurance, too long. During the years you are working and raising a family, you probab... http://www.financealley.com/article_620931_19.html 05th September 2008 One out of every four Americans will miss at least 90 consecutive days of work because of an injury or sickness between the ages of 35 and 65. Disability insurance can help prevent such medical disasters from becoming financial disasters. However, disa... http://www.financealley.com/article_620929_19.html 05th September 2008 Many people are confused about the differences between these types of life insurance policies. Term Life Insurance - The simple explanation is that term life insurance is just raw, basic insurance. It pays cash to the beneficiaries upon the death o... http://www.financealley.com/article_620927_19.html 05th September 2008 The average annual cost of nursing home care is about $74,000, yet only 10% of Americans age 65 and above have long-term-care (LTC) insurance to cover this big expense. How to find an affordable Policy... THREE WAYS TO SAVE *Choose a firm that has s... http://www.financealley.com/article_620925_19.html 05th September 2008 To combat fraud, many insurance companies are getting tougher on claims submitted by consumers. But while some insurers delay payment to raise justifiable questions about claims, others drag their feet or deny payment for no apparent reason. Here ar... http://www.financealley.com/article_620923_19.html 05th September 2008 The new law makes it much more difficult to protect a family's wealth while having the government pay long-term nursing home costs for a family member through Medicaid. What you need to know... THE TRUTH ABOUT MEDICARE Surveys show that most people ... http://www.financealley.com/article_620922_19.html 05th September 2008 When most people set out to buy life insurance, they choose either a term or cash-value policy. But policy choices and strategies are much, much more diverse today. Here are some strategies to consider.. L0WERING THE COST OF INSURANCE *Combi... http://www.financealley.com/article_620921_19.html 05th September 2008 Insurance marketers become creative geniuses when it comes to thinking up policies to pitch to consumers. Here is the lowdown on some newer types - and if they are worthwhile... POLICIES WORTH HAVING *Trip insurance. Many people don't realize that t... http://www.financealley.com/article_620920_19.html 05th September 2008 Don't confuse the market value of your house with rebuilding costs. The land under your house isn't at risk from theft, windstorm, fire and the other hazards covered in your homeowner's policy. So don't include its value in deciding how much homeowners... http://www.financealley.com/article_620917_19.html 05th September 2008 The cost of insuring a car rose by 44% between 1987 and 1994. Premiums in some states have soared by more than 75%. Rates for insuring those big, bold sport utility vehicles - that are dangerous to others and themselves - are expected to rise even higher.... http://www.financealley.com/article_620916_19.html 05th September 2008 The majority of American households do have some variety of life insurance. But some of us understand how to get the most out of it. Five of the most damaging myths that lead to costly life insurance mistakes... Myth 1: I just need enough life insuranc... http://www.financealley.com/article_620914_19.html 05th September 2008 If you don't have health insurance, because of a layoff or other change in work, a divorce or a preexisting medical conditioned, don't give up. Efforts to expand health insurance coverage reportedly are becoming quite common. Proposals have been introduce... http://www.financealley.com/article_620913_19.html 05th September 2008 In most states, the law requires you to have auto insurance. Here are a few tips you can use to reduce the cost of the necessary insurance - * Be sure to compare prices Get multiple quotes from different insurance companies. You can easily find diff... http://www.financealley.com/article_620912_19.html 05th September 2008 The new Medicare drug program, known as Part D, has resulted in much confusion about rules, benefits and costs. Here are answers to frequently asked questions from a leading health-care advocate... DECIDING WHETHER TO SIGN UP My mother is in her ... http://www.financealley.com/article_620911_19.html 05th September 2008 The debts that need paying first are the ones that will cause you the most grief if left unpaid. It goes without saying that taxes are at the top of the priority list as the IRS has more powers than anyone to recover the monies owed to them and failur... http://www.financealley.com/article_620405_19.html 05th September 2008 Now this is the area that gets most people in financial difficulty in the first place. There is a huge difference between wants and needs and if you honestly look at your financial position and consider how you have built up the debt that you are curre... http://www.financealley.com/article_620403_19.html 05th September 2008 What will the future hold for you once you get over your debt and finally become financially free of the burden that has stressed you for so long and stopped you from sleeping at night? With your debt cleared, and excess funds available each month over... http://www.financealley.com/article_620396_19.html 05th September 2008 You need to prioritize your debt repayment and ensure that the most important debts are taken care of first. The importance of the debt is determined by the impact that it can have on your life both now and in the future so clearing past due taxes woul... http://www.financealley.com/article_620393_19.html 05th September 2008 The percentage of people who are getting behind and defaulting on the repayments of their student loans has been steadily increasing over recent years. It can be very difficult when you finally graduate and find that you owe thousands of dollars in studen... http://www.financealley.com/article_620391_19.html 05th September 2008 The first step towards eliminating debt is to look at all areas of your spending and slash the items that aren't vitally necessary for your survival. You are in survival mode now so you need to think in that manner. Luxuries are off the menu until you are... http://www.financealley.com/article_620389_19.html 05th September 2008 At some stage you will want to begin saving money to cover costs that will be occurring in the future, however until you have paid off your debt that is costing you money in interest and penalties it is not wise to save money. You need to reduce and el... http://www.financealley.com/article_620386_19.html 05th September 2008 You need to run your home like a well oiled business. That is the only way that you will be able to get what you need with the income that you are earning and resources that you have available to you without increasing your debt. A business cannot run ... http://www.financealley.com/article_620385_19.html 05th September 2008 Sometimes the overwhelming size of your debt and the fact that it has gone on for so long makes it difficult for you to put things into perspective and handle the situation in a manner that is as stress free as possible and will result in an optimum solut... http://www.financealley.com/article_620381_19.html 05th September 2008 It might come as some surprise to you that you need to focus on positive thinking to get through periods of financial difficulty and to help you to turn around your financial situation where you have sufficient funds to cover your day to day expenditure w... http://www.financealley.com/article_620378_19.html 05th September 2008 It is top priority to pay all your overdue taxes as soon as possible due to the compounding problems that occur. With penalties and interest on overdue taxes it doesn't take long for the total to mount up where you will be paying more for those than th... http://www.financealley.com/article_620375_19.html 05th September 2008 As one of the leading forms of consumer bankruptcy medical debt is a major problem that many people had to contend with. Even if you have health insurance there are quite often additional expenses when medical care is needed that can amount to quite a ... http://www.financealley.com/article_620372_19.html 05th September 2008 Nothing damages your credit history more than a foreclosure so you will want to avoid it at all costs. Add to that the emotional strain of losing your most valuable asset and the time and effort that has gone into building your equity in your home and ... http://www.financealley.com/article_620371_19.html 05th September 2008 Debt collectors have a job to do and they are paid accordingly as a percentage of the amount of money that they recover from you. Obviously it is in their best interest to recover as much money as possible and many of them will resort to all sorts of tact... http://www.financealley.com/article_620369_19.html 05th September 2008 While the budget will help you to manage your debt and to begin eliminating outstanding debt if you have excessive amounts of debt then you are going to need to take a little more action to reduce the impact this will have on your life, your credit rating... http://www.financealley.com/article_620364_19.html 05th September 2008 Besides reducing your spending and making the most of the money that you earn the other way that you can reduce debt faster is to make more money. Whether you are self employed or work for a wage you should be looking at ways to work longer hours where... http://www.financealley.com/article_620359_63.html 05th September 2008 There is a big difference between wants and needs and when you are faced with excess debt then the only thing you really need to focus on are your needs and how you are going to pay for them. You don't need to own the latest wide screen television or a... http://www.financealley.com/article_620356_19.html 05th September 2008 Quite often it is better to let others know of your situation and while you might feel somewhat embarrassed to tell friends and family that you've fallen into financial difficulty you might be quite surprised to know that many of them have been in a simil... http://www.financealley.com/article_620354_19.html 05th September 2008 While it might be hard to look at your current situation with a positive attitude there is a good opportunity for you to learn from this and ensure that it doesn't happen again. By following positive steps towards reducing your debt and understanding w... http://www.financealley.com/article_620353_19.html 05th September 2008 It can be very frightening to get an eviction notice or to find that the bank is going to foreclose on your house mortgage. Having a roof over your head is one of the essential requirements that you expect to have for you and your family and to see tha... http://www.financealley.com/article_620348_19.html 05th September 2008 Gathering the information necessary to compare your income with your spending can be quite eye opening for most people. By doing this over the period of the last year you will get a better understanding of where your money has been going and why you ha... http://www.financealley.com/article_620347_19.html 05th September 2008 Once you have paid back your outstanding debts you can concentrate on rebuilding your credit rating. Although you can't do anything about the bad history that you have and the fact that previous debt problems will show on your credit report for 7 ½ years... http://www.financealley.com/article_620345_19.html 05th September 2008 Improving your credit history is basically about doing the opposite to that which caused you to get a bad credit history in the first place. You got a bad credit history by not making good the debt that you owed to other people either on late payments ... http://www.financealley.com/article_620343_19.html 05th September 2008 Ignoring your debts won't make them go away. As much as you would like to think of something else you cannot address the situation without facing it. If you put your head in the sand then someone is going to come along sooner rather than later and g... http://www.financealley.com/article_620336_19.html 05th September 2008 It is often tempting to get a loan from a non-traditional lender such as a bank or a reputable finance company when you are having trouble paying off your debts. Usually these lenders will use your house, car or other assets as collateral. They will 's... http://www.financealley.com/article_620334_19.html 05th September 2008 There's no doubt about the fact that being in financial difficulty is one of the most stressful things that you will need to handle in your life. How you handle the stress will determine how well you come out of your financial problems and more often than... http://www.financealley.com/article_620321_19.html 05th September 2008 The situations we find ourselves in and in particular where this involves financial difficulty are often caused by the habits that we have. Humans are habitual beings and most actions in our life are caused by the habits that we have adopted which are ver... http://www.financealley.com/article_620320_19.html 05th September 2008 ou need to get the best advice to make the right decisions with anything in life and getting good debt management advice is of the utmost importance because it can have such a huge impact on your life now and in the future. If you have debt problems th... http://www.financealley.com/article_620319_19.html 05th September 2008 Focus is something that not a lot of people are good at. How often do you start something and then before you are finished you're thinking about something else or changing your mind about whether you should finish or not? It is common practice with ... http://www.financealley.com/article_620317_19.html 05th September 2008 The very first thing that you need to do to address your current financial position and reduce and eliminate your debt is to determine exactly what your current debt is. Now this might seem very obvious and when you ask most people they would probably ... http://www.financealley.com/article_620316_19.html 05th September 2008 Credit counseling agencies can offer you a lot of help in reducing your debt. With the experience that they have they will be able to quickly sort out a budget for you and show you how to manage your budget, your income and your expenditure. Get recomm... http://www.financealley.com/article_620314_19.html 05th September 2008