Dealing with a car accident is often straightforward, but handling what comes after can be tricky. You might wonder what will happen to your car, if your insurance rates will go up, or if you’ll need to buy a new vehicle. Knowing how to file a car insurance claim correctly can help reduce a lot…
A study by Confused.com found that about one in five drivers, roughly 924,000 people, have a prior driving conviction. If you’re one of them, you’re not alone. These convictions can come from various reasons like speeding or using your mobile phone while driving, and they usually impact your insurance premiums. However, if you have motor…
Statistics from CNBC show that the average American has about $38,000 in personal loan debt. While some people are making progress in paying down this debt, it can still make it tough to get more credit. From a lender’s point of view, adding more debt could lead to defaults. Fortunately, there are ways to still…
Amazon is making changes to its Prime program to allow more items to qualify for free delivery for its subscribers. Tom Cook, a representative from Amazon, explained that this new plan will let retailers send more products through Prime without the high costs of nationwide shipping that used to apply to certain items. This is…
Hosting a Fourth of July barbecue is an awesome way to enjoy the best of summer with family and friends. But being the host can sometimes feel a bit overwhelming, both cost-wise and stress-wise. It’s important to remember that you should have fun too! Believe it or not, you can actually throw a party for…
Using credit cards wisely can bring several financial benefits. They can help you save money on purchases, improve your credit score, and offer good borrowing rates. When used sensibly, a credit card can help manage your finances effectively. However, it’s essential to use them responsibly and avoid spending more than you can afford, as misuse…
Many people find dental insurance frustrating because the annual premiums often exceed the cost of routine check-ups and basic procedures. This leads many to question its necessity. Like health insurance, dental insurance is an investment in peace of mind. While it might not seem immediately cost-effective, it becomes worthwhile in the long run, especially for…
In 2016, the cost of not having health insurance will rise significantly. The federal penalty is set to increase to $695, highlighting the need for the Obama administration to stress this point as part of their effort to boost health law sign-ups. This increase in fines could become a focal point during the enrollment period…
Every year, we try to eat healthier and save money at the same time, but it can be pretty tough! Having your own garden can help you reach these goals. Here are four reasons why: 1. **Cutting Grocery Costs** Groceries often take up a big chunk of our budget. Most Americans spend about 14% to…
When your health insurance policy was first set up, you were asked about your tobacco use. If you said you were a smoker, your premium went up. But if you hadn’t used tobacco for over a year and indicated that, your premium was a bit lower. The reason for this policy is simple: Smokers tend…