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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 →

When Should You Review Your Insurance Policies?

The insurance policy that you bought, several years ago, might not be adequate today. If your life has changed, then so have your insurance needs. State Farm has some advice about five critical times to review your insurance. Reviewing your insurance policies may sound boring and tedious. This is probably why many people avoid it. Keep in mind that if your life has changed then your current insurance policies might be inadequate. In some cases, reviewing your policies can reveal that you are paying for more coverage than you need. You might find a way to save some money. State … Continue reading →

Have You Considered Shared-Care Insurance?

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It is reasonable to expect that you, and your spouse, will need long-term care insurance. That type of insurance can be more expensive than what many couples can afford. Instead, you might consider shared-care insurance. It provides expanded coverage and is more affordable. Long-term care insurance is designed to cover the cost of the type of care someone will need after her or she can no longer preform everyday tasks. It is to help pay for the medical care, and day to day care, a person needs when he or she has a chronic illness, debilitating injury, unrecoverable disability, or … Continue reading →

University Health Insurance Plans Getting More Expensive

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College tuition seems to go up every semester. We all know that the books that are required for classes at universities are expensive. The price of the student health insurance is about to increase. This is part of the Affordable Care Act, and it is to ensure that those policies will actually cover things that they are supposed to. Have you heard of mini-med health insurance? These types of plans have been referred to as “junk health insurance”. A mini-med plan will cover very little of a person’s health care needs, because of the incredibly low caps that the plans … Continue reading →

Insurance Blog Week in Review – June 3-9, 2012

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Every week, the Insurance Blog Week in Review gives you a quick and easy way to “ketchup” on all the blogs that appeared here in the past week. There can be anywhere between twelve and fourteen blogs that go up. What did you miss? What You Could Lose if the Supreme Court Overturns ACA The Supreme Court is going to reveal its ruling regarding the court case about the Affordable Care Act. Here is a quick list of some of the things you will lose if the Supreme Court overturns the ACA. The Insurance Podcast Roundup went up on June … Continue reading →

What You Could Lose if the Supreme Court Overturns ACA

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Earlier this year, the Supreme Court heard days of oral arguments about different aspects of the Affordable Care Act (ACA). They are expected to reveal their decision soon. Here is a quick list of what Americans could lose if the ACA is overturned. How would the loss of these benefits affect your family? The Affordable Care Act was signed in 2010. Since then, there have been a series of changes taking place. You can check out the timeline on the HealthCare.gov website to see all the details. There are many things that have already gone into affect that are currently … Continue reading →

One in Three Young Adults With Autism are Unemployed

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A recent study shows that one out of every three young adults who have autism lack employment, and have no college or technical education. Improvements need to be made in the systems that support young adults that have autism, in order to address this issue. Ideally, parents want their children to grow up to be self-sufficient members of society. A recent study found that, in some ways, this isn’t what is happening with many young adults who have autism. Researchers found that one in three young adults who have an autism spectrum disorder is unemployed, and that they had no … Continue reading →

Disability Income Insurance Can Protect Your Family

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Your paycheck is very important! Your family depends on it in order to pay bills, buy groceries, and have a comfortable life. If you, or your spouse, suddenly became unable to work, how would your family survive? One thing that can help is disability income insurance coverage. Did you know that May is Disability Insurance Awareness Month? Now is a good time to learn more about a type of insurance that many people know very little about. There are two types of disability insurance. One comes from the federal government, and the other is something that you can purchase through … Continue reading →

Insurance Blog Week in Review – May 13 – 19, 2012

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Once a week, the Insurance Blog Week in Review gives you a brief description of all of the blogs that were posted in the past seven days. There could be anywhere between twelve and fourteen blogs that appear here weekly. Did you miss something? Now is your chance to “ketchup”. Governor Christie Vetoes Insurance Exchange New Jersey Governor Chris Christie has vetoed a bill that would have set up an online marketplace for health insurance. He feels that it is too early to set up his state’s insurance exchange, and is waiting to see what the Supreme Court decides about … Continue reading →

Insurance for When You are Just Starting Out

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Young adults who have just graduated from college are in a period of transition. It takes time to figure everything out from where to find employment to what you need to properly stock a kitchen. Most new graduates don’t think much about insurance. However, there are several different types of insurance that young adults, who are just starting out, will need. It can be difficult to make the transition between being a college student and starting out in “the real world” as an independent adult. There are many decisions that need to be made about all aspects of life. It … Continue reading →