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Why Planning for Retirement Shouldn’t be a Headache

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As many of us are approaching the realization that we have not exactly got a solid plan for our retirement in place, it should go without saying that those with the most foresight among us are likely to be one step ahead. Factoring in a number of considerations, things can sometimes appear to be overwhelming in terms of planning where we will be and what we will have once we hit retirement age. Yet, how many among us truly understand what we will need once we have said goodbye to our working days? Are we prepared in any way for the various scenarios which could affect us when we reach the age where we should be enjoying our hard-earned resting years? For a number of people, the answer is no. Simply starting to devise a plan which will bring us comfort and clarity as we approach retirement can help, but can also prove tricky. WealthTrace, the retirement planning software I recently purchased has revolutionized the way I am planning for my later years. Quite simply, prior to using WealthTrace’s software, I was bogged down with information to the point that I left my files and calculator in the study for … Read more

Explore the Benefits of Pet Insurance with Health IQ

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Many people know how important health insurance is, but have you considered the value of making sure everyone in your household has coverage? Your children are probably already included under your current plan, but what about your pets? Dogs, cats, and any other pets can get sick unexpectedly, whether they develop a disease, need surgery, or swallow something they shouldn’t have. Pet insurance can help you pay for veterinary costs related to these issues, and this insurance can give you peace of mind knowing that if your pets get sick, you’ll be able to afford their sick care. Selecting a pet insurance policy can be as complicated as finding health insurance for everyone in your family. Each policy will offer to cover a certain percentage of costs after deductibles, and the amount you must pay in deductibles before insurance coverage begins will also vary. Regardless, many people can find a number of excellent reasons why their pets would benefit from pet insurance. Some people never consider health insurance for their pets, but that oversight can be a costly mistake. Whether you need to keep up on vaccinations or you move to a new city and have to update your vet … Read more

7 Questions to Ask Before Buying Your New Home

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One of the biggest financial commitments that anyone can ever make in life is probably buying a house. Apart from searching for the kind of house that you may have envisioned for such a long time, it is also important to be practical in making this kind of decision. Searching for a new home can be a tedious task. It may take a lot of your time and wear you out looking for the right one. And even though you do those things, there’s still a big chance that you may end up missing a few points. Despite this, you need to make sure that you have looked through every option. That way, you are assured that you won’t encounter any problems once you move in. Questions to Ask Before A Home Purchase To help you out in deciding to buy a house, here are a few questions to guide you. How long has the house been on the market? You should know how long the house has stayed on sale, because this could be a big hint of what the actual situation is. A property that stays long in the market may have some issues that prospective home buyers … Read more

The Difference Between Equifax, TransUnion, and Experian

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In America, your credit score is serious business. You need a good credit score to do everything from renting an apartment to getting a new job to applying for more credit. Whatever the reason for your credit score needs, you should know a bit about the credit bureaus. There are three major credit bureaus in America: Equifax, TransUnion and Experian. Each one compiles its own credit file and report on you and calculates a credit score. When a third-party, a potential employer, for example, runs a credit check on you, he asks the credit bureau to produce your file or score. Likewise, a company like Visa will report your financial history to the credit bureaus, who then add it to your file, regardless of whether it’s good or bad. Unfortunately, some things get overlooked or are entered erroneously on the credit bureau’s end. This is why it’s very important to always check all three of your credit reports – you wouldn’t want to only check your Equifax report and then discover that the Experian report your landlord is pulling shows multiple errors that drop your credit score into in-rentable territory. Equifax Equifax offers third-parties, including lenders, access to your FICO … Read more

Types of Insurance Policies You Need to Have

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Shopping for insurance is never fun. Nobody wants to spend their free time researching different kinds of policies and looking for the best coverage, but it’s important that you have the insurance protection that you and your loved ones need. While a lot of people tend to put off buying insurance plans, there are a few critical insurance policies that you need to buy today. If you continue to put it off, you could end up with some massive bills or leave your family with a massive amount of debt. Health Insurance Medical bills are the number one cause of bankruptcy in the United States.  Not only is health care expensive, it is a situation where, when you need it, there is a good chance that you are not going to get to do comparison shopping. Any type of medical emergency could rack up $100,000 or more in medical bills so not having a health insurance policy should not be an option for anyone that cannot afford a million dollars in debt. Auto Insurance Auto insurance is one of the most obvious insurance plan to buy because it’s illegal not to have auto insurance. Every state requires that you have … Read more

Tips For Avoiding Credit Repair Companies That Engage In Deception

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Over the past few years, a handful of credit repair companies have found themselves in deep trouble for deceptive behavior. These companies have abused the trust of consumers and it has led to substantial losses and many hardships. This is far more common than consumers may believe. In fact, several big credit repair companies have been forced to shut their doors in 2017, due to deception. Within this comprehensive guide, consumers will learn more about deceptive credit repair companies and how to avoid falling into a trap. Recent Troubles At the end of October, a Montgomery, Alabama credit repair company was forced to permanently close due to illegal and deceptive practices. The Alabama Attorney’s General’s Office claimed that Scott’s Credit Repair was engaged in illegal behavior that ultimately harmed the consumer. The company’s owners, John and Krystal Scott, are now prohibited from engaging in any type of credit repair or consume finance service in Alabama. The company was accused of deceiving and defrauding customers on a regular basis. Scott’s Credit Repair attracted customers with advertisements claiming that they would be able purchase expensive vehicles and homes by working with the company. Many of the testimonials and customer stories provided by … Read more

Online Payment Services you Might Not Have Heard About

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Online money transfer services have been around since the 1990s, and have gained a lot of traction in the last decade. PayPal, perhaps the best-known online money transfer service, is hugely popular partly because of its ties to eBay… and that’s about as much the average internet user knows about these services. While PayPal is certainly the most widely used online payment and money transfer service used by merchants and private individuals alike, it’s by far not the only such service available today. Different markets have different methods available, and some of them have a vast and flexible set of services everyone should at least know about. NETELLER NETELLER might not be the most widespread – or cheapest – online wallet of them all, but it’s pretty widespread, especially among those involved in online gambling. For years, it was the go-to provider of safe and secure transactions for online gambling venues and players. What most people don’t know about NETELLER is that it has a very flexible feature set that not many other similar services can offer. It can be – and is – used as a web wallet like all others, perfect for making deposits and claiming winnings at … Read more