Accounting software has simplified the accounting process for business and personal finances. Today, many software options are available, helping users avoid the one-size-fits-all dilemma. With a little bit of research you can find the accounting software that’s best for your small business. Why Do You Need Accounting Software? The right accounting software can streamline your […]
Dependent life insurance provides coverage in the event a spouse or dependent child dies. Typically purchased to meet after-death expenses, the amount of coverage is typically modest. Dependent life policies may cover: A spouse who is not legally separated from the policy holder Unmarried children, stepchildren and adopted children older than 14 days old and […]
It’s not just your personal health that insurance companies are concerned about when considering providing your life insurance policy, and at what price. They also look at your parents’, and sometimes your siblings’, health history. The details of what they’re looking at can vary depending on the insurance carrier, meaning that your family health history affects […]
Moving is such a hassle, it’s understandable if something falls through the cracks in the process. But, when you’re letting people and companies know you have a new address, there is one particular item that often gets forgotten: your insurance policy. Car Insurance When You Move – Change Your Coverage? When you move your premiums […]
Despite the ever-changing health care landscape, one of the truths that can be counted on is that even college students should have health insurance coverage. At this time, these students have several affordable options Consider the following 5 ways a college student may be insured for health care: 1. Parent’s Health Plan Under the Affordable […]
A lot of generalizations have been made about millennials, considered anyone reaching young adulthood in the early 21st century. A lot of what is said about them isn’t particularly flattering: they’re privileged, entitled, spoiled and, of particular interest to business owners, job-hoppers. The truth is, older generations have always had complaints about up-and-coming young people […]
Firearms and homeowners insurance have a complicated relationship. The issues related to the topic range from policy limits to criminal or non-criminal acts to individual state regulations. Firearms and Insurance Rates Many insurance companies don’t hike the premiums on homeowners insurance because of gun ownership. These carriers may not even require this kind of disclosure. […]
Unexpected injury or illness while traveling can throw a wrench into your plans, but your health policy from back home will take care of you, right? Not necessarily. In fact, whether you’re traveling abroad or in another state, getting the medical assistance you need can be difficult and expensive, because your regular health plan may […]
If you want to hear good news from your dentist at your next dental exam, you need to brush twice daily with fluoride toothpaste, floss at least once a day, and avoid foods and beverages high in sugar. If you smoke, quit and if you drink alcohol, do so in moderation. Regular exams and cleanings […]
Life insurance has proven to be a wise purchase for many, but there are still holdouts who decide it’s not for them. If you’re one of those who feel they just don’t need it, think again. Here are some of the reasons people don’t purchase life insurance policies, and the reasons they should reconsider their […]
If you think your company is too small to worry about employee fraud, consider this: A small business with fewer than 100 employees had 28% higher losses from fraud than larger companies, according to a report by the Association of Certified Fraud Examiners (ACFE). The report goes on to say that there are three main […]
If you’re considering a motorcycle purchase, be sure to include insurance in your cost estimating equation. Even though there are a few states – Montana, Washington and Florida – that don’t require motorcycle insurance, if you get into an accident your costs to cover your liability could be crippling. What does motorcycle insurance cover? The […]
Many companies are finding out that letting employees bring pets to work can actually improve business. In fact, the Society of Human Resource Management found that seven percent of employers let employees bring their pets to work. It’s become such a popular practice that the effects are being studied to find out the pros and […]
A lot of Americans purchase life insurance, and they rarely decide to cancel their policies. Termination is possible, although only 4.4% of individual policies were voluntarily cancelled in 2015. While it makes sense to hold onto your policy, there are certain circumstances that warrant cancellation. Reasons to Cancel Life Insurance Policy Generally, policies are cancelled […]
If you’re like many Americans, figuring out what you should expect to pay for health care is akin to herding cats. It might be helpful to look at what a health insurance policy would cost you without an Affordable Care Act (ACA), or Obamacare, subsidy. There are different ways to look at health care costs, […]
As if the health care scene isn’t confusing enough, small business owners must sift through a number of options to find the employee health insurance program that makes sense for them. Business with fewer than 50 employees are not required to provide health insurance under the Affordable Care Act, but many do for the good […]
Home sharing service Airbnb now offers free Host Protection Insurance (HPI). Although HPI covers up to $1M per incident, don’t expect it to be enough protection. The liability policy, like those offered by other vacation rental sites, is secondary to homeowners property insurance, meaning it kicks in if a third-party bodily injury or property damage […]
Think of personal injury Protection (PIP) as sort of a “get home free” extension of auto insurance. It is no-fault coverage that pays out no matter who is at fault in a car accident. PIP goes above and beyond standard auto insurance to help cover medical costs and more. What Personal Injury Protection Insurance Covers? […]
