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Knowing how to pay bills when there is no money left can be unpleasant and stressful, if no plan is made.  As late fees appear, you could face legal action against you and loss of assets. In dire financial situations, it is imperative to prioritize payments and check options. You should think carefully about paying bills while broke and talk directly to your creditors. Learn how to pay bills when little or no money is available after expenses. Make Paying Bills a Top Priority Prioritizing bill payments should be your first step. Decide which is the most important bill that you must pay like utilities. Consider which services, if unpaid, would have the biggest impact on your lifestyle. For example, unpaid bills for credit cards can amount to late fees and bad credit records, but usually will not make you lose any assets like defaulting on mortgage payments. Consider goods or services that you can live without like Cable TV, gym memberships, magazine subscriptions, and expensive roa...

Insurance policies have become an important part of life with the increase in risks related to life and accidents. These policies can be very complicated and surrounded with a lot of false information. You must not believe everything you hear, because there are many myths associated with your insurance policies.  The 10 most common myths are as follows:  1. Benefits should equal premiums:  Your policy is your buffer against severe financial problems and not to be used for daily ups and downs in life. You must not feel cheated if you have been paying premium for years and never made a claim.   2. Everyone needs life insurance: For some even this policy is unnecessary. The policy is designed to give financial care to your dependents. This includes your children or any elderly person who depends on you. If you do not have any dependents, then you may not need the policy.   3. Only the breadwinner needs to be insured:  It is generally believed th...

Fresh fears that the “safe haven” aspect of gold investing could be over hit investors last week with the news as “large institutions” began selling off their gold as February came to an end. Commentators and financial advisors ( as reported by a blogger for The Telegraph ) think gold prices have started a downward trend and will eventually dip to around $1,000 per ounce. This caused gold to dip in price by $100 in less than a day. Key figures such as Brian Dennehy from Dennehy Weller speculate that there could be a final spike in gold prices and then a “large correction” in the gold price will begin, taking gold down to $1,000 an ounce. He thinks gold could even get as low as $700 an ounce. Hope for gold prices Of course, with every financial commentator saying that gold will fall, there is a bullion seller to say that no, the gold market is not over and that any dips in price are only temporary. Ben Yearsley at Hargreaves Lansdowne says: “The gold price has remained high and gold sha...