As we all know, credit card companies are notorious for nickeling and diming us with fees and add-on services. This is especially true now that the credit card reform is in full effect… since they can no longer hike our APR out of the blue, they’re seeking other avenues to make their money. Besides credit monitoring subscriptions, the most common add-on for them to peddle is credit card insurance. Should you buy it or not?
What are the benefits?
Well here’s a brief overview of the typical be...
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Insurance
Drive Your Way To Cheaper Car Insurance
In today’s highly mobile society, most everyone needs to have a car to get around at one’s own time and convenience. It goes without saying that car insurance is needed by anyone who wants to drive around with some degree of peace of mind. The key point is to keep car insurance expenses to a minimum. You do not need to kill your chances of having some money left for other car expenses like gas, parking fees, and car maintenance and other living expenses as well. Cheaper car insurance can be ...
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Home Owner Insurance
Are you worried that your house might get ruined or something? Let’s just say something came up and accidentally your properties were all lost or destroyed for some reasons and we all know that it cost a fortune for you to be able to rebuild your house again.
Now what do you think is the best way that you can do to lessen the worry about losing the home that you have earned for years. It’s the home owner insurance that you can use to be assured that the house that you have built and work hard...
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Term Life Insurance Guide
Term life insurance is said to be the cheapest among all the classifications of life insurance. Securing this type of policy is by all means the most affordable way of securing insurance. For quite a long time, many people have found it extremely difficult to have their loved ones insured. But nowadays that the options are clear, then obtaining a cheaper alternative is by and large easy and widely available.
The Policy Explained
As compared to the other type, that of the whole life i...
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Social Security Insurance
Social Security Insurance is a program that offers benefits to many Americans. By financially contributing to the structure throughout your career, you can receive benefits such as disability, retirement or death. Old-Age and Survivors Insurance and Disability Insurance or OASDI is the framework of the Social Security Insurance. Millions of people are part of this system including old retirees together with their dependents, disabled employees as well as survivors of deceased workers. Millions o...
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Do You Really Need Pet Insurance?
Insurance policies are not solely designated for the protection of the people. Pets also have their respective insurance plans! Ever wondered why?
Shedding Light on Pet Insurance
Pet insurance is a type of policy or plan which covers the health needs of domestic pets, primarily dogs and cats. Pet owners make it a part of their concern to ensure that their beloved animals are secured to be healthy during their entire life span. The insurance then covers for the bills accumulated during ve...
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Umbrella Insurance: Must-Have Protection
Catastrophes such as earthquake, tsunamis, tornadoes, volcanic eruptions and other natural disasters are just some of the uncontrolled occurrences that may transpire anytime. These can devastatingly blow away houses, commercial buildings, establishments, properties and other infrastructures at an instant. Casualties are often high; causing extreme misery to people. If these can take place unpredictably, unfortunate accidents or disasters because of one’s carelessness thus happen, too. (more&he...
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What is an HSA?
A Health Savings Account is a plan that an individual purchases to safeguard against future and current expenses for medical care. A HDHP plan is a High Deductible Health Plan and an HSA is often used in conjunction with that type of health coverage.
An HDHP plan is one that doesn’t cover medical expenses for the first dollar unless it is for preventive care. It can be an indemnity, PPO or HMO plan as long as the requirements are met. On December 8th, 2003, President Bush signed the HSA plan ...
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Why You Need to Purchase Life Insurance
With America’s financial future in debate, paying an extra bill for life insurance each month may not seem to be worth it. If you have a family, then buying life insurance is one of the most important purchases you can make to ensure that your dependents will be taken care of if something unforeseen should happen to you.
Life Insurance Products
There are a variety of cheap life insurance products that can ensure the financial security of your family if you are no longer able to provide for...
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Should I sign up for a Health Savings Account?
One of the joys of starting a new job, is wading through the benefit enrollment process. Unlike at my old job, I now have the option of signing up for a Health Savings Account.
A Health Saving Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the US who are enrolled in a High Deductible Health Plan. The funds contributed to the account are not subject to income tax at the time of deposit and the funds may be used to pay for qualified medical expenses at any ...
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