Mortgage Insurance or Life Insurance?

Mortgage Insurance or Life Insurance?

I have been fortunate enough to engage with people in the insurance industry to know that you have options when it comes to insuring your home against the possibility of death and your mortgage may still left outstanding.

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Payday Loans

Payday Loans

I’ll be honest, I am not a fan of payday loans, and I will never be. To be fair though, I will present to you what I think the advantages and disadvantages of payday loans would be:

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Power of Duplication and Residual Income

Power of Duplication and Residual Income

Make money work for you. How many times have I heard that? As true of a statement it is, no one seems to have a concrete answer to how one can do this. I may not have the answer either, but I do want to share my personal story with you on how I used my company, Seianna Financial Services, to achieve the goal of gaining residual income through the process of duplication. This is what I did:

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Challenges of Having Credit Cards

Challenges of Having Credit Cards

Credit cards are a good thing when it comes to purchasing goods and services. They carry so many advantages – no need to carry cash, insurance on stolen merchandise, no need to do exchanges when in a foreign country, and the list goes on. With so many advantages, there are also challenges to them. Allow me to explain:

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Use Credit Cards to your Advantage

Use Credit Cards to your Advantage

Ah yes, credit cards, our modern-day instant bank machine. Or is it? With the reports of credit card debt being at an all-time high in Canada and the U.S., it seems to many of us that maybe we shouldn’t have credit cards for personal use. Today we are flooded with mail or e-mail asking us to fill out a form for a new credit card. They will even ask you in person! I remember going to Universal Studios in California, this going back to 1998, someone would pull you aside to their sign-up table; and they were giving away a free t-shirt just for applying for one!

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Budget Spending Caps

Budget Spending Caps

Many people struggle with their finances. Mounting debt, no savings. At first, a little debt and no savings seem okay, but as the years go by it seems that it becomes more and more difficult to put away for retirement, and there is still that nagging debt load hanging over you. You wonder – why is this getting harder?

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