Learn your New Plan

Learn your New Plan

The worst thing you can do with a new insurance plan is to assume that it is just like your previous one. Even if you are paying the same monthly premium, plans can have big differences between them. When you sign up to a new plan, learn it and know your rights and conditions. It can make a big difference in your pocket if you go about a situation the wrong way, for example go to an urgent care center instead of to a doctor for a non-emergency consultation.

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Take the safety net

Take the Safety Net

When you reach the age when you know there will be so many expenses, it’s natural to try and see what can be done differently. There are major life events that will happen, such as buying a first house, having kids, etc. and you want to make sure that you have a safety net. This is how financial experts look at having insurance, as a thing that keeps you safe. By having it you are saving yourself a lot of grief should the unexpected happen.

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Smart Move For Millennials

Smart Move for Millennials

For millennials, buying life insurance is a very smart call. Buying now will be also cost effective because when you are young and healthy it costs less. Also, if the unexpected happens. your family will have help to pay for  student loan debt or a mortgage in your absence. Another thing to consider is a  long-term disability coverage for help in case of an horrible accident followed by a disability.

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Deciding on a Plan

Deciding on a Plan

Some say that picking an individual health insurance plan is easy, because you can search online and compare plans from different carriers and then make a decision. But it is not as simple, because there is a terminology that is not clear for everyone, and understanding your personal needs and finding a plan to match is also challenging. It is a big decision so take your time to figure it out and reach out to an agent if you feel overwhelmed.

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4 Tips for Finding Cheap Car Insurance Online

5 Things In Your Credit Report You’ve Got To Know About

How much do you know about what’s in your credit report? Many people may be aware of their score, but their are components that affect your score. When you decide to take a look at your credit report summary, here are 5 things you can expect:

  • Your payment history: This shows you any positive or negative information showing up in your credit file. It shows any late payments or actions from collection agencies.
  • Available credit: This shows you what percentage of available credit you’re using and if you’re using too much or too little.
  • Credit age: Your credit age is how old your credit history is.
  • Range of credit: This part will show exactly what is on your report including mortgages, car loans, credit cards, and student loans.
  • Number of inquiries: Every time you apply for credit, it shows up on your account as a hit.

It’s important to be informed on the items in your credit report so you’ll know what other others are looking at too when they view your report. Read More