Category Archives: Finance Guide

Why bother to compare insurance every so often? You probably already have insurance if you’re like most people. When you got a mortgage, your lender likely required that you have a homeowners policy. To comply with state laws, your auto must be insured. You may have already selected life and health insurance. Why should you shop when you already […]

Driving without car insurance in most states is illegal and breaking this rule can result in expensive fines or the suspension or cancellation of your license or registration. Furthermore, you’ll be held accountable for any property damage and medical costs caused by accidents caused by you or your vehicle. At times, individuals need to temporarily […]

There are various factors that contribute to the cost of property insurance, with replacement costs playing the most crucial role. Therefore, creating a home inventory can be invaluable. Location can also have an effect on rates; living in an area where theft or weather damage rates are higher may mean higher premiums. Homeowners Insurance Homeowner’s […]

Mortgage insurance is an expense many homeowners must shoulder, with payments included as part of your monthly mortgage payment and required for most conventional loans with down payments of less than 20%. PMI does not serve your interests; rather, it protects the lender. But you may still find a loan without PMI requirements. What is […]

Selling insurance is an excellent way to generate passive income. Selling final expense life, Medicare policies or home/auto policies can yield significant commissions in the form of long-term contracts that offer significant potential returns. But this career path may not be for everyone – it requires someone with initiative who is prepared to put in […]

Many pet insurers provide free online quotes based on some basic questions, so compare prices across providers with similar deductibles, annual limits and reimbursement levels to find the most cost-effective policy options. Most plans provide coverage for hereditary diseases like heart disease, cruciate ligament issues and hip dysplasia; however, cancer and genetic conditions could become […]

Life insurance is an absolute necessity, yet figuring out exactly how much protection is right for you can be difficult. Since 1992, Ramsey Solutions has helped millions of people take back control of their finances. Our aim is to assist individuals in becoming debt free, building savings and wealth while honing leadership skills. How Much […]

There are various methods for obtaining health insurance. These include private health insurance, job-based coverage, Medicare and Medicaid. Your eligibility may qualify you for a subsidy that helps offset the cost of health insurance premiums based on your annual income. Apply for Medicaid, Children’s Health Plus or NY State of Health any time during the […]

Lenders require full coverage insurance on vehicles that are still being financed as they want to ensure they’re protected, so if you drop any required coverages to save money, lenders may purchase their own policy which often costs significantly more and add it onto the loan balance. Paying Off Your Car When financing a vehicle […]

If you’re a young driver and looking to insure your car, you may have asked yourself whether or not your girlfriend can be on the policy. After all, it could potentially be cheaper, right? Well, the answer isn’t so straightforward. It depends on the provider and other factors like residency status. In this article, we’ll […]