For the first time home buyer, there is a litany of resources to help you investigate topics from loans and mortgages to taxes and the finer points of moving in to the home owner realm. But an equally imperative detail – though often overlooked – is homeowners insurance. When should you get it? What should
The recent economic circumstance has thrown us some interesting curve balls. Shortages, shutdowns, layoffs, and hospital overcrowding have us all wondering “what’s next?” Your personal financial situation is no different. A phenomenon for buyers and sellers of real estate to focus on is historically low interest rates on home loans. These low rates are the
In the midst of a world-wide pandemic that has caused massive layoffs and historic unemployment is an apt time to discuss Mortgage Insurance. This is protection for when borrowers take on a home mortgage and then get sick, laid off, or for another insured reason find themselves unable to make payments to the lender. Keep
So, you want to insure your home. But you’re not sure what is covered under a standard policy. What factors should you consider when evaluating potential risks? How much is the right amount of coverage? Read on to find out. What does house and home insurance cover? While homeowners insurance policies can differ and will
You know you’re at the stage of your life that you need life insurance. You’ve researched and talked to your parents, you spouse, and your friends whom you trust for advice. They’ve helped you choose the type of life insurance you want—term life versus universal or whole life—that I cover in another blog. But now
You’re shopping for auto insurance for the first time and still navigating through some of the twists and turns. What does auto insurance “premium” mean? How do you get a quote that fits with the coverage you need? Why is your cost different from your parents? Your siblings? Your friends and co-workers? The answers are
When your kitchen sink backs up, you turn on the disposal. When your toilet backs up you use a plunger. If the bathtub or shower clog, maybe you use chemical drain cleaners like Drain-O, or run a plumber’s snake in to the drain. But, what do you do when EVERYTHING backs up at once? You
On September 13, 2008, Hurricane Ike ravaged Texas and caused havoc in the Gulf. The next day, a Sunday, a friend and I headed to Paul Brown Stadium to watch the Bengals take on the Tennessee Titans. It was a great day for football – 88 and partly cloudy – little did we know how
Until the time we left our parents’ auto insurance coverage and had to purchase our own policy, many of us didn’t know or even care about the different insurance coverage types. Some are required by law, some required by lenders, and some are those niche needs like antique and collectable car policies. Regardless of your
“Water, water, everywhere,And all the boards did shrink;Water, water, everywhere,Nor any drop to drink.” Samuel Coleridge, The Rime of the Ancient Mariner With natural weather events happening regularly, the national news is filled with leading stories about catastrophic flooding. While destroying livelihood and property, these floods make us wonder, “How will those affected rebuild their lives?”
