Category Archives: Finance Guide

Are you ever frustrated by the fact that you are paying the most for your services? If any of these profiles match yours, then congratulations! 1. The Young and the Restless Youth! Your future is yours, and you have infinite potential. You also have the potential to text and drive, get distracted easily, drive under the influence, and make […]

Teens and young adults can have a difficult time getting car insurance. Teenage drivers are considered high-risk for many reasons. They can expect to pay more than adults for insurance. Most teens will choose to add to their parents’ insurance policy. Although the savings can be significant, it also increases the risk for the parents and their insurance. There […]

Although car insurance is required in all 50 states, it is not the only reason to have it. An accident can cause thousands of dollars worth of damage. Not to mention the medical bills and fines. Having adequate car insurance coverage will protect you from having these expenses borne by others. Many people find themselves in an […]

In South Dakota, there are currently 638.428 licensed drivers. There are many car accidents every day due to the sheer number of drivers on the roads. According to the South Dakota Department of Public Safety there were 17512 traffic accidents in 2016, causing $103 million worth of property damage. Despite this being a daunting number, it has been decreasing since 2015. A […]

An emergency department must treat all patients presenting with life-threatening emergencies or in active labor regardless of their ability to pay, according to EMTALA regulations. Hospitals found violating EMTALA can face fines in excess of $70,000 as well as lose Medicare/Medicaid funding for repeated violations. As an individual in the United States, each person has […]

Own occupation disability policies define being disabled as being unable to perform the material and substantial duties associated with one’s regular occupation, regardless of any transitional provisions within a policy. This could either be defined strictly as own occupation disability or transitionally as own occupation disability. Skilled workers requiring physical requirements typically opt for own-occ […]

Comprehensive or “other than collision” coverage assists in covering damage caused by events outside of a collision, such as flooding and tornadoes or falling objects like tree limbs. It provides relief against such costs. Collision coverage provides more comprehensive protection. However, theft and vandalism coverage costs more. Damage from Natural Disasters With recent extreme weather […]

Policy premiums are charged by insurers as the cost of providing coverage. Car insurance premiums can be paid monthly, biannually or annually and must be made in order for a policy to remain active. Insurance premiums differ between providers based on various criteria, including your driving record, ZIP code, age and credit score as well […]

Are you aware of the penalty that comes with not having health insurance? If you’re one of those who think it’s okay to skip a month or two, then listen up! The Affordable Care Act (ACA) requires individuals to have minimum essential coverage for every month. But how many months can you go without insurance […]

Although the title of this article is a parody on Shakespeare’s Hamlet lines, it is not funny about the reality that the current state of our economy is in dire straits. Although there are signs of improvement, it is still hard to find work for thousands or thousands of people. To survive until you can find a […]