Category Archives: Finance Guide

If you’ve recently been in a car accident, you may be wondering if your car insurance premium will go up in California due to the incident. Many people assume that if the accident is not their fault, then their rates will not increase. However, this is not always the case. In this post, we’ll explore […]

New Zealand has an accident compensation program called ACC, which stands for Accident Compensation Corporation. However, it is not uncommon to be unaware of the ACC’s mandate. It is common to assume that an accident will only result in my disability. This leaves kiwis vulnerable to financial hardships when they are disabled. ACC was created to […]

New car owners often ask the important question, “How long do I have to insure my new car?” It is as soon as the car is purchased. New car owners often ask the important question, “How long do I have to insure my new car?” The answer is right after you purchase the car. No matter if you’re […]

Long Term Care (LTC) insurance markets provide various forms of coverage. This may include room and board, skilled nursing care, intermediate care and custodial care as well as home health, adult day care hospice and respite care – usually paid for with premiums that will eventually be reimbursed after an agreed upon look-back period has […]

Under the Affordable Care Act, all full-time employers and their dependents are mandated to offer health coverage to employees and dependents. Employers have various options available to them for providing this coverage for their employees. In this article, we’ll look at three great strategies available to small businesses: health reimbursement arrangements (HRAs), employer-sponsored plans and […]

Dependent upon the nature of your incident, you may need to file multiple insurance claims at once. A good plan will make this easier while helping ensure you receive the fairest settlement. Adjusters may attempt to dismantle your claim with tactics like delaying, lowballing and gaslighting. Here are six things you should keep in mind […]

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 […]

Car insurance is one of those necessary costs that won’t go away, even if you don’t have a car. Whether it’s because you’ve caused an accident or had something stolen from your car, car insurance is essential for protecting you and your vehicle from financial losses. But what exactly are the factors that make up […]

You can add Personal Injury Protection (“PIP”) to your auto insurance policy. This coverage covers medical expenses, lost wages, and funeral expenses after an accident, regardless who was at fault. Depending on the type of your auto policy and where you live, minimum PIP coverage usually pays $10,000 for “reasonable, necessary” medical bills, $10,000 for lost […]

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 […]