Category Archives: Finance Guide

How much a funeral costs can be affected by the type of burial you choose. While the median national funeral with a viewing and burial costs $7,640, average funeral costs skyrocket past $9,000 when you include a vault. Because most funeral homes are able to handle cremations in-house, an average cremation costs only $350. The National Funeral Directors Association (NFDA), […]

When it comes to planning for the future, life insurance may be one of your first considerations. But when it comes time to make a claim, how long will it take for you to get paid? The answer is not so simple—it depends on the type of policy you have and the process you need […]

Many self-employed people in Dallas, Houston, and other parts of Texas find that health insurance is not something they can afford. Many people who work for themselves will say that they can’t afford to be sick. Period.” They don’t even think of the term “sick days” in their heads. Many of these self-employed, or “perma­lancers” or “perma­temps”, have […]

You should make sure that your car insurance policy covers you if your vehicle is involved in an accident or for breakdown. Marks & Spencer Money’s research revealed that only one fifth of the motorists who took their cars to holiday had purchased the right coverage in case their car broke down. Only a third […]

What is Supplemental Group Life Insurance? If you have a group policy with your employer, supplemental group term insurance can be added. Group coverage can be less comprehensive than you might like, as policies are designed to benefit the entire group. You may have special needs as an individual who has a family. A supplemental term policy is […]

Personal auto policies don’t include rideshare insurance. This is something you should consider if your company uses Uber and Lyft as drivers. It is common to believe that rideshare insurance is not covered by your employer-provided car insurance or any other commercial insurance. This is because you may need it when you pick up passengers and […]

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 […]

A strong risk management plan is essential for any business. It requires understanding how you can protect yourself and what could go wrong. If you run a small business or a mid-sized one, you may not have the time or money to learn risk management. Many business owners lack the experience and background to determine what […]

The recent economic slowdown, as shown by all indicators (except those used by George Bush), has caused SUV and car owners to resort to arson to pay off their debts. This is not a new phenomenon, but car arson (or torching), and insurance fraud are both well-established. It is seen as a direct correlation with the […]

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 […]