Category Archives: Finance Guide

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 […]

As you may or may not know, employer provided health insurance is not taxable. This means that you are not required to include it on your income tax return and you don’t pay any taxes on it. In addition, it’s considered a fringe benefit for employees. If you’re wondering if employer provided health insurance is […]

My wife and I enjoyed wonderful holidays with our extended family. It was great to catch up with them and hear about their lives. We briefly spoke about their retirement income. They said that as long as they earn an average 8-9% return, their money will last forever. This reminded me of the fact that many retirees rely […]

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 […]

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 […]

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 […]

The internet is the best place to find cheap car insurance that provides great coverage. The economy today is extremely tight, which means that many people are looking for ways to cut down on their shopping. Unlike the old way of shopping insurance, which involved driving to various agencies and dealing with multiple agents, this is no […]

Home insurance is one of those things that we all take for granted. After all, it’s our home. We assume that it’s protected by the insurance we have and that if something does happen, we’ll be taken care of. But what do you really need in order to properly protect your home? In this article, […]

Liability insurance is no longer necessary. It should be included in our vehicle insurance. It is also known as third party insurance. It is mandatory that your State transport registration does not include it. Public liability may be included in your home insurance policy. You will need to know how much you are covered for. You might find […]