Last year a close friend of mine went through the daunting task of applying for a mortgage loan. He didn’t really have any idea what to expect when he started going through the loan process, but he sure found out quick that it wasn’t anything to be taken lightly or without complete knowledge of all of the terms and conditions involved in the loan. He was trying to get the mortgage loan against his house so that he could start a small business. He asked me for my help at first, but I know absolutely nothing when it comes to loans or mortgages or much other credit and financial processes. He ended up getting the loan but I still don’t think he completely understands all of the terms associated with it. I asked him a few questions that he couldnt really give me the answers to. I really hope that he made the right choice and didn’t just jump into it after listening to the guy that he was talking to who works at the bank. I’m sure the guy would be willing to tell him whatever he wanted to hear to get him to sign the papers. I wish him luck, though. He deserves to succeed with his new business.

A while back I was going through some of the papers that I had stashed away in one of my filing cabinets and I came across the papers for my car insurance policy. I forgot how bad the terms and everything were on my car insurance. I’ve had the same car insurance for the past 9 years and I’ve paid the exact same ammount the entire time. It really seems like they should be giving me some sort of significant discount by now. I’m paying about three hundred bucks every 6 months just for liability. I don’t know anyone under the age of about 17 paying that much for liability car insurance. For that price I should be getting full coverage with a very low to moderate deductible. I haven’t had a whole heck of a lot of experience with car insurance, but I know all of our friends have cheap car insurance with the same kind of coverage that I’ve got. I’m going to give them a call tomorrow to see what’s going on. I’m going to switch insurance companies for sure if they cant offer me any kind of better terms for my car insurance. This is pretty ridiculous. I’m glad I came across the papers.

This has been a really odd winter around here. About five or six days a week it is super cold. 1 or 2 days a week it gets up to almost 60 degrees, followed by a couple days of either rain or snow. I’ve never really experienced weather patterns quite like this before. I’ll just be glad when winter is completely over.

A while back I purchased an adjustable bed for my girlfriend’s aunt. It was her 50^th birthday and she has mentioned wanting an adjustable bed about 50 times to my girlfriend, so we decided to buy her one. She talks about adjustable beds all the time and how comfortable they are, but she never actually expected anyone to buy her one. She was so surprised. I’m glad we could do that for her.

I talked a few friends of mine into taking a little road trip out to Las Vegas with me. We’re going to go as soon as we can all get a week off of work at the same time. I’ve been looking online and reading about casinos and cheap hotel Las Vegas resorts and I think I’ve found a few places that we can afford. I really can’t wait to go.

I was recently looking around to try and find life insurance for senior citizens and I couldn’t find too many options. I guess it makes sense that life insurance companies wouldnt want to cover senior citizens since they are more of a risk, but I figured that I would at least be able to find a few companies to check into.

I’m thinking about signing up for a term life insurance policy. Overall, term life insurance seems like the best choice right now. If I decide to sign up for some additional coverage later I can. I’ve been talking to a bunch of different companies lately and I’ve almost got my choices narrowed down to 2 different companies. Hopefully I can make up my mind soon.

After checking into a few companies I have received a few reasonable life insurance quotes. I’m looking around to see what my options are as far as the different types of life insurance available and what they cover. I hadent really thought about it much until my girlfriend’s aunt asked if I could help her find a plan. This is a pretty big decision so I don’t want to jump into it without knowing everything.

Posting about my nephew made me think of a friend I had growing up. He was always a good kid when he was younger. He got good grades and never got into trouble. It wasn’t until he was about twenty three that he started experimenting with drugs and alcohol and really started to go downhill fast. He was in several different alcohol rehab and drug rehab programs and nothing seemed to work. One night he was driving around drunk. He ran through a red light and slammed into another car. Thankfully nobody was seriously injured, but my friend was sent into a drug rehab facility by order of the court. It took him almost 3 months to get clean.

My nephew recently checked himself into an addiction treatment facility. He has struggled with drug addiction and alcoholism for nearly 13 years and he finally was able to see that it was really affecting not only himself, but everyone who cares about him. I’m glad he was able to check himself into rehab before he was forced into it after breaking the law or anything. I wish him luck and hope he can clean his life up while he still has time.