Archive for the Insure Category

Is I.D. Theft Insurance Essential?

I.D. theft insurance has been a big topic of discussion lately, since the Anthem cyber attack exposed nearly 100 million American’s personal information Here’s a review of how I.D. theft insurance works, other things you can do to protect yourself, and what to do if you are a victim of financial cyber-fraud. The American population is… Read More »

Important Financial Articles from the Web – Nov

Important and Interesting Financial News and Articles from the Web Open enrollment for ACA Obamacare 11/15: If you didn’t sign up last time you can soon, already covered: renew/change, from the New York Times Retirees and real estate, decisions and planning implications, often overlooked but important, from Market Watch Financial planning data worth noting: Social… Read More »

Important Homeowners and Umbrella Insurance Facts

Property and Casualty insurance protects the things we own, such as our cars, homes, and businesses. It also protects areas with gaps in coverage such as professional and personal liability. This article will explore many of the major issues about homeowners and umbrella insurance. It will touch on some other insurance you should be aware… Read More »

Important Auto Insurance Facts

  Property and Casualty insurance protects the things we own, such as our cars, homes, and businesses. It also protects areas with gaps in coverage such as professional and personal liability. This article will explore many of the major coverage and savings issues about automobile insurance so that you can intelligently review your insurance coverage. Auto insurance… Read More »

Important Information about: Disability & Long-Term Care Insurance

The old adage “your health is your wealth,” rings true when you consider the financial consequences of a major illness. This article explores two types of health insurance: disability and long-term care. Disability Insurance covers your ability to earn an income, which is your single greatest asset. Disability insurance (also known as disability income or sick… Read More »

Merits of Auto Clubs Roadside Assistance and Maintenance

Auto clubs like AAA, MCA and Better World Club, offer very useful benefits, such as roadside assistance and towing. Many of them today are offering much more, including car repairs. In addition to clubs, other competitors have entered that market place, including credit-card issuers, insurance companies, car manufacturers, and oil companies. So before you buy,… Read More »

Details on the New FSA Rollover Rule for 2014

Do you have a special tax-advantaged savings account for health care expenses? There are several types of them to which the federal government permits employees and employers to contribute: Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), Medical Savings Accounts (MSA), and Health Reimbursement Arrangements (HRA). HSAs are required to be offered in conjunction with High Deductible Heath… Read More »

How to Extend Term Life Insurance and Save Money By Layering Policies

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 »

Annuity Guarantees and Trusting Insurance Companies

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 »

Dave Ramsey’s FPU Class, Insurance Lesson

The Dave Ramsey Financial Peace University multi-week class has an entire lesson on insurance, or risk management. Wisdom with insurance is key to financial planning to protect the things we own or our family from risk, using as few dollars as possible. To underline a few items from this lesson, and a few things I have a little… Read More »