Archive for posts by Kent Irwin

Average quality, 100% cotton underwear seems to have really gotten expensive the last few years. While shopping for just basic plain white T-shirts we were amazed that a packet of 5 costs $34 at Sears and Kohls. Sometimes you can find where they are throwing in a extra shirt or briefs so you get 6… Read More »

The most commonly asked question I get is, should I buy gold or some other precious metal like silver or platinum? The main reasons for driving interest in gold, are advertisements, the increased price of gold, and fear. There are a lot of commercials on TV and the radio, from companies that want to sell… Read More »

Most people buy life insurance and seldom review it later. Here are 7 compelling reasons why a life insurance review is a great idea. Price:  If you own term insurance, you may want to check to see if you can buy a new policy for a lower overall cost. Length: If you purchased a level premium… Read More »

Previously I wrote on reviewing your life insurance policies, today I describe a way to layer term life insurance to provide affordable life insurance protection for longer periods of time. As a review the most common forms of term life insurance are level term, and annually renewable term, both offer level death benefits: Level term life insurance’s premium… Read More »

Here is a cool idea, consider adding a new category to your monthly budget for ‘special giving.’ While doing some budget planning with the program we use; YNAB, or You Need a Budget, I noticed for some months throughout the year, we gave to various causes. This was in addition to our regular giving. This got me… Read More »

Is your age in the 50’s or 60’s, and you are looking for a new full-time or part-time job? Do you think you are unlikely to get hired because you are too old? Do you feel age discrimination is really big, and is a barrier when you go to an interview? Job applicants must learn how… Read More »

I love to read, so a few weeks ago I had a burning desire to purchase an Ereader. I had a lot of reasons for purchasing one, and came up with a great list of my rationale: Ease of getting a book and reading it without the delay of going to the bookstore or library… Read More »

Fall always seems to be the best time for me check my car’s battery. You might want to also, if you don’t want to get stuck somewhere without a good battery. This is especially true for folks driving through not-so-safe neighborhoods now that it is getting dark much earlier, or up north in our cold… Read More »

With Thanksgiving only one week away, I thought it would be good to have a financial Thanksgiving post; The attitude of being thankful is one of the foundational feelings we can have for helping us do well financially. When we are thankful for the things we have, we are content and are not in the… Read More »

Hartford Financial is seeking ways to lower its exposure on some annuity contracts it sold. Stories like this make people wonder if they can trust insurance companies, and believe the annuity guarantees. I believe though, most insurance companies are very trustworthy, and the income guarantees are good, but consumers need to be careful. Insurance is… Read More »