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 […]
Category Archives: Finance Guide
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 […]
Flooding is one of the most common and expensive types of property damage. If you live in an area that’s at risk for flooding, it’s important to have the right kind of flood insurance coverage. But how do you know what kind of coverage you need? The answer is in Flood Insurance Rate Maps (FIRMs). […]
It is wise to have both familiar and less-frequently owned insurance types. An insurance plan that is well-thought out can help prevent the unravelling of years of planning. If you don’t pay attention to this critical aspect of prudent planning, years of savings could be lost in a matter of seconds. We are not all able to […]
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 […]
Are you looking to insure a car in Florida that is registered to someone else? It may seem like a tricky prospect, but it can be done. In this blog post, we will take a look at the ins and outs of insuring a vehicle that you do not own in the Sunshine State. We […]
In most countries, employees receive health insurance based on salary rather than hours worked; however, in the U.S. there are numerous laws which determine what constitutes full time employment status for benefits purposes. Under the Affordable Care Act (ACA), employers with 50 or more full-time equivalent employees (FTE) must provide health insurance or pay a […]
Self-employment can be rewarding, but it comes with its own set of challenges. One of the biggest concerns for self-employed individuals is how to pay for health care coverage, as health insurance premiums can be expensive. Fortunately, there are strategies that self-employed individuals can use to lower their tax burden and get some relief when […]
It is possible to save money by cutting important parts of your insurance policies. This is not smart savings because you lose more by exposing your self to unnecessary pains. If you can find a way to pay less and still have adequate coverage, you are saving intelligently. These are smart ways to pay less. 1. A group health […]
Your wedding day is an investment and when something goes wrong you could stand to lose out financially. Wedding insurance provides peace of mind so you can sleep easier at night. Your venue has been damaged by an overly inebriated guest, or perhaps they were stolen or lost altogether, while inexplicably your military groom or […]










