Want to protect your loved ones from financial burden and chaos in the event of your death? Of course you do. That’s why it’s a great idea to have life insurance. How much you carry will depend on what your family needs in order to cover expenses. You can calculate based on how many children…
The amount you pay in home insurance greatly depends on where your home is, the age of your home, and your insurance score. Rates are also affected by factors like the financial health of your insurer and the reinsurance companies. When carriers suffer losses in any given year, like they did in 2017, that…
If you have health insurance, it’s not going to cover your vision. That sucks, doesn’t it? But you can get vision insurance plans for a very affordable amount each month that will cover the cost of exams, glasses, and contacts. Most eye care plans don’t have a deductible. That means you can redeem their value…
While you’re on the mission of improving your credit score, there may be instances where you aren’t seeing a huge impact. Maybe you’re making payments on time and keeping balances low, but for some reason your credit score stays stagnate. When this happens, look at other factors that could be dragging it down. Other things…
There are two kinds of credit inquiries: hard inquiries and soft inquiries. Hard inquiries can hit your credit report “hard” causing you to lose points on your credit score. These types of inquiries can come from applying for a loan, applying for a credit card or applying for a mortgage. While hard inquiries are necessary…
It can be frustrating when a credit card company closes or cancels your account without you being aware of it. You usually don’t know about it until you’re in the middle of trying to make a purchase. Why would a credit card company do this? There are two main reasons: #1 – They may do…
Bad credit is a ghost that haunts you. It follows you wherever you go. Not only will it affect your ability to get a car loan, but it will also affect your ability to get a car lease too. You will either have to pay a larger down payment, a higher interest rate or you…