Professor B.T. Effer, Author at Your Finances Unfukt

What is Profit First Personal Finance?

The Profit First Method was developed for businesses but can be applied to personal finance. This method focuses on growing your net worth…

You should never name your estate, minors, or pets as a beneficiary on a life insurance policy and don’t leave it blank as you run the risk..

Community property laws state that all property – assets, debts, and income – acquired during a marriage are shared equally. But is…

Filial Responsibility laws require adult children who are financially able, to cover their parents’ medical debts. There is little that can..

May 5, 2023May 2, 2023 by Professor B.T. Effer

A Viatical Settlement is when you sell your life insurance policy to an investor for cash when you have a terminal or chronic illness and…

May 13, 2023April 23, 2023 by Professor B.T. Effer

Life insurance proceeds are protected from creditors and pass directly to the named beneficiary generally. Learn how to keep your money safe…

April 16, 2023April 14, 2023 by Professor B.T. Effer

There is $60 billion in unclaimed free money and 1 in 10 people are estimated to have over $2,000 in money they are due. Learn how to find…

Are credit cards bad? Should you pay off your mortgage? Is debt normal? Find the answers to 12 Personal Finance Myths and you can…

You likely qualify for group life insurance though your employer or membership organization and it comes at little to no cost t oo you….

April 4, 2023March 25, 2023 by Professor B.T. Effer

First-to-die life insurance is a joint life insurance policy that pays out on the first death of the two named lives. It is purchased by…