Most of us have what would be best termed as “basic knowledge” of car insurance procedures and practices. That doesn’t help much when it comes time to shop for a new policy. Before you do, you should be ready with questions that help cover the finer points of a policy. The idea isn’t to get the best policy possible, or … Read more
Typically, when looking for car insurance, you’ll head to car insurance comparison sites to find the best deal on a policy. But the process isn’t always as simple as it seems. Each car insurance policy contains its own details, and when you’re looking at quotes from several companies, there can be differences in service that aren’t … Read more
Even when you have insurance, you’re not always covered. An unexpected surgery, outpatient procedure, or ER visit may come with unforeseen medical bills. Nearly a third of Americans have gotten a medical bill they didn’t expect. For 43 million Americans in 2014, these and other bills led to medical debt reported to the credit bureaus, … Read more
No doubt you’ve been hearing about all the ruckus surrounding the Affordable Care Act, aka Obamacare. As of October 1, many Americans have the option of purchasing individual health insurance for the upcoming year at healthcare.gov. By March 31, 2014, the government is expecting you to have health insurance, even if you’re not working, barely … Read more
Short-term disability insurance is one of those benefits that we think of as being on the second tier of the menu. Most people are primarily concerned with the Big Two of employee benefits – health insurance and retirement. But if you’ve never paid attention to it before, find out exactly what kind of disability insurance … Read more
Healthy eyes are essential—so is vision care. Even if your eyes appear to be doing well, your annual eye exam is key to preventive care. Diseases affecting vision, like glaucoma and macular degeneration, are much more treatable if caught early. An eye exam can also screen for other conditions where early detection is a lifesaver, … Read more
Accelerated term life insurance, sometimes referred to as term life insurance with accelerated living benefits, is a little known life insurance provision that could be a godsend at a very difficult time in life. Though we normally think of life insurance as payable only at the time of death, this is a provision that enables … Read more
As a supplement to my recent coverage of the types of auto insurance coverage, I thought I would provide a list of the minimum auto insurance coverage requirements by state. Each state has their own laws governing the minimum car insurance coverage you need—use this list to find your state and determine your minimum coverage. … Read more
This post contains a free net worth tracking spreadsheet template for Microsoft Excel (.xlsx). Please enjoy it for your personal use. An explanation of net worth and why I use this spreadsheet follows the screenshot. As you may know, I’m not a big fan of budgeting…at least the old fashioned way of manually writing down … Read more
Life insurance can be a valuable piece of your personal financial plan. However, many people have no clue how life insurance actually works. If that includes you, don’t worry. It’s easier to understand than you might think. In this guide, we’ll explain the most important things you need to know about life insurance. What Is … Read more