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Better Access to Credit Score

A new year has begun. Now is the perfect time to look at your credit report to make sure the information reported on it is correct. You can get a free copy of your report from any agency responsible for the decision to deny credit. A better option is to go to annualcreditreport.com. At annualcreditreport.com you can order a credit report from each reporting agency for free each year. There are many catchy commercials on TV advertising free credit reports. While the commercials are clever, the credit reports aren’t exactly free. You will get a free report, but if you … Continue reading →

Insurance Blog Week In Review January 9-15, 2007

It’s been a busy week for so many people in the United States. The weather has been a huge problem with snow, ice and unusually cold temperatures. Get ready to pay a lot more for Oranges and Avocado’s after the deep freeze in Southern California. Many homeowners have suffered the Midnight Disaster, including my little brother. Caught completely off guard with freezing temperatures and a ruptured pipe in the attic. Thankfully, he was able to Ask Anna (or sissy) for help in this matter! When my brother woke up to find boxes falling out of his attic and water flooding … Continue reading →

5 Steps to Getting Your Car Paid Off Early

Paying off your car loan early will save you hundreds of dollars in interest charges, eliminate a monthly expense, and increase your credit score as your rate of debt to income goes down. Plus, you’ll get a real sense of accomplishment knowing that your car is completely yours, free and clear. 1. First do your homework Review your loan paperwork before you start. Most car loans are simple interest loans. That is, the interest accrues during the life of the loan, so paying it off early will save you a lot of money. In a precomputed interest loan, on the … Continue reading →

Safer Than Cash

Internationally acclaimed personal finance expert, Suze Orman swears by cash. The money guru constantly encourages viewers of her CNBC show to stop using credit cards and start using cash in order to stay out of debt. Well, now the money honey is advocating something she calls, “better than cash.” Orman recently created a new prepaid debit card, and she wants the whole world to get one. It’s dubbed the Approved Prepaid MasterCard, and according to Orman it could mean added security for people who are trying to get their financial lives in order. “I heard from so many people who … Continue reading →

A Few Great Tips From Suze Orman

Suze Orman is definitely one of the first people that come to mind for many people when they think of personal financial advice. Many people have seen Suze on television or heard her on the radio dispensing her unique brand of unfiltered, get-real financial advice to people in all kinds of predicaments. Personally, I am terrified of the woman. If Suze Orman were to get within a hundred miles of my finances, she would cringe. I am fairly certain that if she were ever to advise me on my finances, I would be in tears within minutes because she would … Continue reading →

Underwrite, Underwriting and Insurance Underwriter–Who Are These People?

I once told a very wonderful editor that an Insurance Underwriter was just about the same job description as the editor of a bunch of Bloggers. When I first started in the Business of Insurance my best boss ever used to kindly refer to underwriters as “people from a different planet.” Of course, we did our very best to make sure we kept our underwriters happy, because they had an amazing skill of causing extra work when we didn’t do our end of things correctly. An Underwriter is an intermediary between the insurance company who offers to accept the liability … Continue reading →