International students studying in the US can use credit cards as an effective tool to build their credit history, making accessing other financial products such as loans or mortgages much simpler in the future. Most credit cards require an SSN for approval; however, some card issuers accept an ITIN as an acceptable alternative. Eligibility requirements […]
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This is a common misunderstood problem: how to correctly insure “subject to” property. It is obvious that the “Due on Sale (DOS)” clause will be invoked, and the mortgage company will call the note. Despite being complex, there are some common sense rules of thumb that usually apply. Be the “first named insurance” if you or your company […]
Multi-discipline fraud is evident in the rise of practices that were created by practice building consultants to avoid or eliminate limited chiropractic insurance coverage. They are often associated with an MD. This type of practice is now less popular due to increased scrutiny and investigative interest on the part third party payers as well as state […]
According to the insurance association, about one-fifth of all cases of health care fraud involve consumers. Only a small fraction of all cases involve providers. Greg Anderson, director for corporate finance investigations at Blue Cross-Blue Shield Michigan, says that consumer fraud is something Greg does not take lightly. “We have 4.5million customers, and if each one of them […]
Many people make the decision to purchase life insurance so their loved ones will be protected in case of their passing. It can be difficult to understand the industry and you may not be aware of certain aspects about life insurance. How many people have life assurance? LIMRA’s 2020 Insurance Barometer Study found that 54 percent […]
Philadelphia residents recently faced a storm of extreme cold which froze pipes, damaged trees and damaged gardens. Home insurance covers repairs to a range of hazards, including snow and ice. For a $250,000 home, the average home insurance rate in Philadelphia is $1,151 annually. You can beat the average by knowing which companies offer affordable home insurance Philadelphia premiums. The best home insurance companies […]
USAA was established in 1922 by a group made up of military officers who wanted to insure their cars. USAA is a member-only insurer that only deals with military personnel and their families. USAA was ranked fifth in the 2020 National Association of Insurance Commissioners survey on auto insurance premiums. It also held a 6% market share. AAA memberships are only […]
In the United States, where driving and traffic are so commonplaces, it’s very easy to take a driver’s license as a given. DACA recipients and those without a social security number may have difficulty obtaining a driver’s license. Homeland Security has extended protections to non-citizens arriving in the United States as children under the Deferred Action for […]
nearly 20 Americans are subject to physical abuse by their intimate partners every minute. This is more than 10,000,000 women and men per year. It has been hard to adjust to a COVID world . This is especially true for domestic violence victims who are forced to live with their abusers. Coronavirus, which brought a new wave […]
Being involved in a car accident is one of the most stressful situations anyone can experience. After the initial shock and confusion of the situation, you may be left wondering what to do next. One of the first things you should do after being involved in a car accident is to contact your insurance adjuster. […]