Life insurance can help protect the lifestyle you have built for you and your family. The benefits afforded by life insurance go much farther than replacing income, although a policy can provide a spouse or child with income replacement if something ...
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Selecting Life Insurance: Here’s How to Do It the Right Way
Selecting the right kind of life insurance is important for anyone ready to make this financial step. So is there a big secret for selecting life insurance? Well ... as with all things regarding your financial life, the person who can give you the ...
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10 Old Wives’ Tales Masquerading As Financial Rules of Thumb
It's been said that if the palm of your right hand itches, you'll soon be coming into money. On the other hand (seriously, no pun intended), it's also been said that if your left palm itches you'll soon be paying out money.
Don't laugh. There are ...
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How Much Gold and Silver Should People Own?
Ever since I started writing about the importance of owning physical gold and silver as insurance against the inevitable failure of the US dollar, I've been receiving an increasing volume of questions in my inbox from folks curious to know more about ...
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An Overview of the 4 Basic Types of Disability Insurance Coverage
If you work in a highly risky environment where sustaining serious injuries is the reality of your everyday life, you should no doubt get disability insurance. What if you do not? Most of us rely on a steady income. When you're in good health, ...
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What You Should Know Before Buying Home Insurance
Buying a house is a dream come true for most people. And yet, not all homeowners understand the importance of home insurance in safeguarding their home sweet home. If you are a first-time homebuyer, you are bound to make some mistakes while selecting ...
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Budgeting for Essential Health Visits Without Insurance
Health care is an important part of life but it can also be a very expensive one in a number of cases. This is even more of an issue if you don't have insurance because the bills tend to be too high to comfortably pay for out of pocket. Fortunately, ...
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An Overview of the 6 Most Common Insurance Types
There are many things in life we have to pay for every month -- like the rent or a mortgage -- but buying insurance isn't one of them. Even so, responsible people do it anyway because they know that, if bad luck strikes, trying to save a few bucks by ...
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When Is the Right Time to Buy Long Term Care Insurance?
It's amazing how many people fail to plan for the future. It's also amazing how many people deny the reality that we only have a certain number of years before we have outlived our usefulness. We all know that life is short, but how many of us really ...
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Is Pet Insurance Worth It?
Pets enrich our lives by providing welcome companionship and loyalty through our toughest days, as well as our happiest ones. What would you do if yours got sick? Are you prepared to bear the financial burdens of veterinary visits and the associated ...
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How to Determine If Your Artwork Is Valuable
When Marvin Gaspar came to my office for his appointment to discuss an appraisal, I had little clue where I would end up on the roller coaster ride he was about to take me on. Marvin was a claims adjuster from an insurance company who wanted an ...
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The Most Important Insurance We Never Buy
It's ironic, but bankers and fiscally irresponsible governments despise gold and silver. Why? Because precious metals demand accountability, that's why.
In short, gold-backed currencies force responsible governments to live within their ...
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6 Reasons Travel Insurance Is a Requirement, Not a Luxury
Traveling is fun until something happens when you're miles away from home, and you find yourself between a rock and a hard place. That one trip you were so thrilled to go to could end up being a frustration galore. In such a situation, who do you ...
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A Georgia Teacher Shows Why It Always Pays to Read the Fine Print
We're all guilty of it. We see an alert that tells us we can't continue through an online signup before reading the fine print. But they're often 12 pages of user terms and agreements, if not more. So we roll our eyes and scroll to the bottom. We ...
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Why Extended Warranties Sometimes Do Make Sense
The conventional wisdom out there is that it's rarely advantageous to consider an extended warranty unless it's for an automobile.
Don't believe it. The truth is, when it comes to extended warranties, things aren't always quite so black and white. ...
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Why Extended Warranties for New Tires Are A Waste of Money
A while back I bought four new tires for my old car. The tires came with a pro-rated 65,000-mile guarantee and were $74 each, or just under $300 for the entire set.
As the salesman was tallying the bill he asked if I'd like to purchase the ...
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5 Tips for Cutting Car Insurance Costs
Our vehicles are probably our most prized possession and that's why we don't feel bad about spending so much time and money to maintain and protect them. One such exorbitant expense that comes each month are insurance premiums - which is why ...
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100 Words On: The Importance of Having a Financial Back-Up Plan
Everyday, people lose their jobs, become seriously ill, and suffer other hardships that strain their household finances. Even so, a sobering study by State Farm found that 55% of those surveyed don't have a back-up plan for weathering a long-term ...
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5 Surprising Things Your Auto Insurance Policy Doesn’t Cover
If you're like most people, you probably think that your auto insurance policy covers everything. After all, it's called "auto" insurance, right? Well, unfortunately, that isn't always the case.
Believe it or not, there are a number of things that ...
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Why You Shouldn’t Skimp on Auto Insurance
With the cost of living in some cities it can be tempting to find ways to save money. While cutting back on your favorite latte or canceling that one streaming subscription you never use might be a good idea, one thing you shouldn't do is try to ...
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