Category Archives: Finance Guide

When you own something, it’s your personal property. This means that, unless you give someone else permission to use it, they can’t do anything with it without your permission. This includes taking it, selling it, or even giving it away. One of the most important things to remember when it comes to your personal property […]

Joseph Belth is a top-notch business journalist in America. For 40 years, he was the conscience of an entire industry and influenced many careers, including mine. Belth, however, was not eligible for the Pulitzer Prize. This is a shame. You probably haven’t heard of Belth unless you are in the insurance business or write about personal finance […]

There are many questions you might have about rental or pet insurance. Is pet or rental insurance worth it? What are they? Is it necessary? There are many questions about pet insurance. This may also apply to rental insurance. While the requirements of home insurance are clear, rental insurance isn’t. Let’s take a look at each. Pet insurance is, as its […]

Finding affordable health insurance may seem impossible, but with the right knowledge of terms and an understanding of your coverage needs it can be done. No matter whether you’re considering Affordable Care Act-compliant plans, short-term or medical indemnity policies – it is crucial that you understand their relative strengths and weaknesses before making your choice. […]

Gap insurance can provide vital relief if you lease or finance an auto loan. In case your vehicle is totaled, this insurance will provide compensation equal to its actual cash value, rather than what remains due. Gap coverage provides protection for any gaps that exist between car insurance policies. You can purchase this coverage separately […]

Business insurance protects your company against the financial impact of bodily injury or property damage claims related to daily operations. In some states, this coverage is legally mandated; other policies can help enhance credibility among potential clients or customers. If your company relies heavily on one key employee – say a chemist working on an […]

Subcontractors typically aren’t required to obtain their own insurance policies; however, many clients require them to have liability and workers’ compensation coverage as a condition of doing business with them. It may be possible to add them as additional insureds on your general liability policy for specific projects; this option generally only allows for certain […]

Life insurance should be chosen based on many different considerations; most importantly who it will protect financially in case of your death. Life insurance can provide your spouse and family with financial security when something untoward happens to you, including housing, food, utility bills and outstanding loans. It may also prove useful for small business […]

Answering this question depends on the specific details of your homeowners insurance policy, including coverage limits and deductibles. Windows typically fall under dwelling coverage of your policy and should be covered to their maximum coverage limit by insurer. However, convincing your insurer to cover new windows can seem like an uphill struggle. Here are some […]

Many who die without life insurance leave behind significant final expenses and debt that can be difficult for their loved ones to manage. Friends, spiritual leaders and professional and social groups often assist the deceased’s family members with finding life insurance policies for them. After someone dies, their estate will be divided among their loved […]