http://www.isnare.com/?s=author&a=Christopher+D.+Beard Finances Christopher D. Beard Thu, 06 Oct 2011 00:00:00 +0800 http://www.isnare.com/?aid=595989&ca=Finances The Insurance Information Institute estimates that the average annual premium for homeowners insurance is $879. (Florida has the highest average premium, at $1,534 in 2007. the compounding effects of the national economy have exacerbated the problems as well. the Florida economy is in turmoil. Every... Finances Christopher D. Beard Mon, 23 Jun 2008 00:00:00 +0800 http://www.isnare.com/?aid=265140&ca=Finances Insurance providers have a policy to overcome the most common consumer objection to purchasing term life insurance: what If I live? For those consumers who think term life insurance is a waste of money because they may not die, here is something to consider. If you can work a little extra premium in... Religion Christopher D. Beard Tue, 05 Feb 2008 00:00:00 +0800 http://www.isnare.com/?aid=221633&ca=Religion Are you struggling with your finances regardless of how much you earn? Are you constantly desiring things that are out of reach for your budget and making yourself miserable because you cannot have them? Even worse, you may be justifying why you need them and overextending yourself by purchasing the... Finances Christopher D. Beard Tue, 05 Feb 2008 00:00:00 +0800 http://www.isnare.com/?aid=221630&ca=Finances The subprime financing options have all but disappeared: A combination of foreclosures , Wall Street's trimming the fat of subprime securities and recent sagging home prices in declining markets have had a serious impact on the broad lending programs offered just a short time ago. Even the nation's... Finances Christopher D. Beard Thu, 31 Jan 2008 00:00:00 +0800 http://www.isnare.com/?aid=219534&ca=Finances Do you feel like you are in debt prison? Are you in financial turmoil wondering how you can continue to keep everything from imploding on you? Did you know that there were actually debtor prisons in America before the Revolutionary War? Robert Morris, a signer of the Declaration of Independence, was... Finances Christopher D. Beard Thu, 31 Jan 2008 00:00:00 +0800 http://www.isnare.com/?aid=219533&ca=Finances Credit card use has continued to grow in leaps and bounds. From 1996 to 2005, the total number of bank credit cards almost doubled. In 2004 alone, credit card companies generated $43 billion in fee income from late payment, over-limit, and balance transfer fees. The Federal Reserve reports that the... Finances Christopher D. Beard Thu, 31 Jan 2008 00:00:00 +0800 http://www.isnare.com/?aid=218042&ca=Finances Regardless of how careful you try to be, life is full of the unexpected. That is why mortgage protection and life insurance is all about the certainty of planning for the uncertain. It’s not uncommon for life insurance to also be referred to as mortgage protection insurance, since most people equate...