Search Results for: invest

What are my rights as an insurance claimant? What consumer protection is there against companies who abuse consumers? Yes! Each state has an administrative body that regulates insurance companies. The 1945 Federal McCarran-Ferguson Act, which is codified in U.S. Code Title 15 Chapter 20, gives states the ability to regulate the insurance business as they wish. All policies and […]

The reserve is the sum of all assets or funds that a company must have at any time. It includes interest and premiums as they accrue. This will cover all insurance claims. The net premiums are used to calculate the reserve, which is always considered a liability. A business creating a “Reserve” is basically setting aside money […]

Florida’s real estate market is about for a major shake-up. While many of my colleagues remain optimistic about Florida’s market, consultants must be more objective. Our theory is based on the following: Property values all depend upon “Rents”. The true value of any property, whether commercial or residential, is determined by its rent. What rent will the property […]

Although you may not be aware of it, insurance rates for your car will vary depending on which insurance company, broker or agent you choose, what auto coverage you select, and what kind of car you drive. Here are some things you can do now to reduce your car insurance costs. 1. Comparison Shop – Different rates […]

The State of Florida’s Smoke and Mirrors. The Florida Governor is doing something amazing. He is trying to make every homeowner happy about the premium they pay for their insurance. The plan was nothing but a pacifier for the residents of Florida, as it was crafted by “The Governor” and his merry band members of legislators. This plan […]

Do you feel excited by the potential upside of China, but are unable to pull the trigger due to the substantial downside risk? This is how you can invest in China’s growth while still sleeping at night. China has been the largest country in the world for 18 of the last 20 centuries. It is determined […]

HSAs (Health Savings Accounts) have been the topic of much debate lately as employers investigate whether these relatively new accounts offer the right benefits for their workers and company. The HSA was created by Medicare legislation in December 2003 and signed into law in January 2004. It allows employees and employers to fund a tax-sheltered […]

How do you think an additional $5000 or $10,000 in expenses would fit into your family’s budget? High out-of-pocket costs for medical care can be caused by consumer-driven healthcare plans, which were part of the Medicare overhaul legislation passed in 2003 by Bush. This is similar to a tax hike. Two financial components of consumer-driven healthcare […]

Mortgages are a long-term financial commitment. You must continue to make the monthly payments for the entire term of the mortgage. It will be over many years, but no one can predict how your financial situation will change. This is a huge risk. Mortgage Payment Protection Insurance (MPPI), is one of many valuable insurances that you can […]

We discovered that flood insurance was not available to most homeowners in New Orleans, even though they lived in low-risk areas. To rebuild New Orleans, the over 60% homeowners will have to rely on their savings and limited federal assistance. This is at a cost that homeowners and taxpayers cannot afford. Is it possible that California […]