Category Archives: Finance Guide

Many self-employed people in Dallas, Houston, and other parts of Texas find that health insurance is not something they can afford. Many people who work for themselves will say that they can’t afford to be sick. Period.” They don’t even think of the term “sick days” in their heads. Many of these self-employed, or “perma­lancers” or “perma­temps”, have […]

You should make sure that your car insurance policy covers you if your vehicle is involved in an accident or for breakdown. Marks & Spencer Money’s research revealed that only one fifth of the motorists who took their cars to holiday had purchased the right coverage in case their car broke down. Only a third […]

Personal auto policies don’t include rideshare insurance. This is something you should consider if your company uses Uber and Lyft as drivers. It is common to believe that rideshare insurance is not covered by your employer-provided car insurance or any other commercial insurance. This is because you may need it when you pick up passengers and […]

What is Supplemental Group Life Insurance? If you have a group policy with your employer, supplemental group term insurance can be added. Group coverage can be less comprehensive than you might like, as policies are designed to benefit the entire group. You may have special needs as an individual who has a family. A supplemental term policy is […]

According to the Daycare Trusts Childcare Costs Survey 2007, pre-school childcare costs in England continue to rise. For children under 2 years old, the average cost of a nursery place in England has increased by 6 percent to PS7900 per annum (or PS152 per wk). The cost for an out-of-school club in Wales is PS34, while […]

A strong risk management plan is essential for any business. It requires understanding how you can protect yourself and what could go wrong. If you run a small business or a mid-sized one, you may not have the time or money to learn risk management. Many business owners lack the experience and background to determine what […]

The recent economic slowdown, as shown by all indicators (except those used by George Bush), has caused SUV and car owners to resort to arson to pay off their debts. This is not a new phenomenon, but car arson (or torching), and insurance fraud are both well-established. It is seen as a direct correlation with the […]

As a resident of North Carolina, you may know that the Wright Brothers made the first successful powered flight near Kitty Hawk, NC in 1903. You could purchase a homeowners policy, which would have covered damages due to falling objects such as poorly-built planes made by bicycle manufacturers, when the policy was first introduced in September 1950. Renters […]

Life insurance death benefits may be distributed in various ways, such as lump sum, installments or an annuity. Some permanent policies also feature cash value accumulation and nonforfeiture provisions. Policyholders often name a beneficiary who will receive the death benefit when someone passes. This enables heirs to pay outstanding debts, funeral costs and taxes before […]

When it comes to medical insurance, understanding the details of your policy can be a daunting task. From deductibles to premiums and so much more, there is a lot of information to digest and understand. One key piece of information you should know about is the medical insurance group number. What exactly is a medical […]