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This year marks the first anniversary of flash flooding at Boscastle, Cornwall. Some of the most severe flooding in Britain for many years was caused by the sudden rain. Flood was caused by remnants of a hurricane that crossed the Atlantic. It collected large amounts of water and then was pushed high above the village, dumping […]

61% of Laredo residents own their homes. The average home costs just $130,000. Real estate in Laredo is affordable. Homeowners Insurance costs on average $1,393 annually for a $250,000 home. Unlike some areas of Texas, Laredo does not experience severe extreme weather events that can cause serious damage to homes. It may experience the tail end hurricanes, and flooding is […]

If you are in the market for life insurance, you may have heard of “endowment life insurance.” But what is endowment life insurance exactly? Endowment life insurance is a type of policy that combines a death benefit with an investment component. Unlike term policies, which only provide a death benefit and no other benefits, endowment […]

When you’re involved in an auto accident and your car is totaled, chances are you’ll be wondering how much the insurance company will give you for it. Unfortunately, the process can be confusing and overwhelming, especially if you don’t know what to expect. In this blog post, we’ll break down the process of getting reimbursed […]

Insurance companies have always recommended that you monitor your credit score to save money on car insurance. The reason for this is that nearly 90% of insurance companies use “Risk scores” to decide who they will issue a policy, with more than 50% using these scores to determine their premiums. According to the insurance industry, there is […]

Keep calm I get that you are upset. You don’t want the problem to become about you and not the disagreement you are trying to solve. Ask for what you want from the company, and do so calmly and politely. Keep track of who you speak to, what they say, when and how you did it as you […]

A bill that President Bush had signed one year earlier was made law on Dec. 22, 2007. It required the notification of serious adverse events (SAEs) to be done for all dietary supplements sold or consumed in the United States. It also established alternative requirements that required the business whose name appears on the label to keep […]

A few months back, I wrote an article titled “Equity Harvesting & CV Life Insurance!” We discussed the most common questions regarding Equity Harvesting in the article. Questions such as “Does Equity Harvesting actually work?” Is Equity Harvesting really in your best interest? Is Equity Harvesting a scam to sell cash value life insurance and make higher commissions? What Happens […]

People who are considering entering into contractual relationships should remember to fully understand the terms of each contract. It is important for them to understand not only their position but also that of other parties in the contract relationship. They are advised that anything less than this would be to enter into a contract blindly, which can […]

If you’re a frequent traveler, you’ve likely heard of credit card travel insurance and wondered if it’s a good idea. After all, with the cost of airline tickets and hotel stays these days, it can be quite expensive to purchase additional coverage. But does credit card travel insurance cover what you need? In this blog […]