Source: goodfinancialcents.com
Coronavirus hasnât entirely ended life as we knew it, but itâs certainly caused changes, some of which are likely to be with us for a very long time.
For some the coronavirus is literally a matter of life and death, and it raises an important question: how does coronavirus affect life insurance?
No one likes to think about the possibility of losing their life, or that of a loved one to this virus, but for over 150,000 families here in the US, it has turned out to be a reality.
Letâs examine the impact it may have on your existing policies, and perhaps more importantly, how it may affect applications for new life insurance coverage.
Thereâs good news if you already have a life insurance policy in place. Generally speaking, the insurance company will pay a death benefit even if you die from the coronavirus. With few exceptions, life insurance policies will pay for any cause of death once the policy is in force. There are very few exceptions to this rule, such as acts of war or terrorism. Pandemics are not a known exception.
If youâre feeling at all uncomfortable about how the coronavirus might impact your existing life insurance policies, contact the company for clarification. Alternatively, review your life insurance policy paying particular attention to the exclusions. If thereâs nothing that looks like death due to a pandemic, you should be good to go.
But once the policy is in place, there are only a few reasons why the insurance company can deny a claim:
None of these are a serious factor when it comes to the coronavirus, unless you tested positive for the virus prior to application, and didnât disclose it. But since the coronavirus can strike suddenly, it shouldnât interfere with your death benefits if it occurs once your policy is already in force.
This is just a guess on my part, but I think people may be giving more thought to buying life insurance now they may have at any time in the past. The coronavirus has turned out to be a real threat to both life and health, which makes it natural to consider the worst.
But whatever you do, donât let your fear of the unknown keep you from applying for coverage. Though you may be wishing you bought a policy, or taken additional coverage, before the virus hit, now is still the very best time to apply. And thatâs not a sales pitch!
No matter whatâs going on in the world, the best time to apply for life insurance is always now. Thatâs because youâre younger and likely healthier right now than youâll ever be again. Both conditions are major advantages when it comes to buying life insurance. If you delay applying, youâll pay a higher premium by applying later when youâre a little bit older. But if you develop a serious health condition between now and then, not only will your premium be higher, but you may even be denied for coverage completely.
Donât let fears of the coronavirus get in your way. If you believe you need life insurance, or more of it, apply now.
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That said, the impact of the coronavirus on new applications for life insurance is more significant than it is for existing policies.
The deaths of more than 100,000 people in the US is naturally having an effect on claims being paid by life insurance companies. While thereâs been no significant across-the-board change in how most life insurance companies evaluate new applications, the situation is evolving rapidly. Exactly how that will play out going forward is anyoneâs guess at the moment.
If youâre under 60 and in good or excellent health, and not currently showing signs of the virus, the likelihood of being approved for life insurance is as good as itâs ever been. You can make an application, and not concern yourself with the virus.
That said, it may be more difficult to get life insurance if you have any conditions determined to put you at risk for the coronavirus, as determined by the Centers for Disease Control (CDC).
These include:
Now to be fair, each of the above conditions would require special consideration even apart from the coronavirus. But since theyâre known coronavirus risk factors, the impact of each has become more important in the life insurance application process.
If any of these conditions apply to you, the best strategy is to work with insurance companies that already specialize in those categories.
There are insurance companies that take a more favorable view of people with any of the following conditions:
But even with insurance companies that specialize in providing coverage for people with certain health conditions, some have introduced new restrictions in light of the coronavirus.
For example, if you have a significant health condition and youâre over 65, you may find fewer companies willing to provide coverage.
The insurance company may also check your records for previous coronavirus episodes or exposures. Expect additional testing to determine if youâre currently infected. Most likely, the application process will be delayed until the condition clears, unless it has resulted in long-term complications.
Travel is another factor being closely examined. The CDC maintains an updated list of travel recommendations by country. If youâve recently traveled to a high-risk country, or you plan to do so in the near future, you may be considered at higher risk for the coronavirus. How each insurance company handles this situation will vary. But your application may be delayed until youâve completed a recommended quarantine period.
Since the coronavirus is still very much active in the US and around the world, financial considerations are in a constant state of flux. If youâre concerned at all about the impact of the virus on other insurance types, you should contact your providers for more information.
Other insurance policies that my warrant special consideration are:
Many have been gripped by fear in the face of the coronavirus, which is mostly a fear of the unknown. But the best way to overcome fear is through positive action.
I recommend the following:
Since there is a connection between poor health and the virus, commit to improving your health. Maintain a proper diet, get regular exercise, and follow the CDC coronavirus guidelines on how to protect yourself.
Donât wait for a bout with the virus to take this step. It’s important for a number of reasons and the consequences of not having it can be severe. Compare the best life insurance companies to get started.
If you donât have the virus, and you want to do a policy as quickly as possible, no medical exam life insurance will be a way to get coverage almost immediately.
Low cost means you can buy a larger policy. With the uncertainty caused by the coronavirus, having enough life insurance is almost as important as having a policy at all. Look into cheap term life insurance to learn more about what you can afford.
Did you know that your credit score is a factor in setting the premium on your life insurance policy? If so, you have one more reason to maintain a healthy credit score. One of the best ways to do it is by regularly monitoring your credit and credit score. There are plenty of services available to help you monitor your credit.
This action step rates a special discussion. When times get tough, and money is in short supply, people often cancel or reduce their insurance coverage. That includes life insurance. But that can be a major mistake in the middle of a pandemic. The coronavirus means that maintaining your current life insurance policies must be a high priority.
The virus and the uncertainty itâs generating in the economy and the job market are making finances less stable than theyâve been in years. Youâll need to be intentional about maintaining financial buffers.
If you donât already have one place, start building one today. If you already have one up and running, make a plan to increase it regularly.
You should also do what you can to maximize the interest youâre earning on your emergency fund. You should park your fund in a high-interest savings account, some of which are paying interest thatâs more than 20 times the national bank average.
In another direction, be purposeful about paying down your debt. Lower debt levels translate into lower monthly payments, and that improves your cash flow.
If you donât have the funds to pay down your debts, there are ways you can make them more manageable.
For example, if you have high-interest credit card debt, there are balance transfer credit cards that provide a 0% introductory APR for up to 21 months. By eliminating the interest for that length of time, youâll be able to dedicate more of each payment toward principal reduction.
Still another strategy for lowering your debts is to do a debt consolidation using a low interest personal loan. Personal loans are unsecured loans that have a fixed interest rate and monthly payment, as well as a specific loan term. You can consolidate several loans and credit cards into a single personal loan for up to $40,000, with interest rates starting as low as 5.99%.
Weâve covered a lot of ground in this article. But thatâs because the coronavirus comes close to being an all-encompassing crisis. Itâs been said the coronavirus is both a health crisis and an economic crisis at the same time. It requires strategies on multiple fronts, including protecting your health, your finances, and your familyâs finances when youâre no longer around to provide for them.
Thatâs where life insurance comes into the picture. The basic process hasnât changed much from the coronavirus, at least not up to this point. But thatâs why itâs so important to apply for coverage now, before major changes are put into effect.
The post How Does Coronavirus Affect Life Insurance? appeared first on Good Financial Cents®.
Source: goodfinancialcents.com
If you own a car or truck, you know it can be expensive. Your loan payment, ongoing maintenance, fuel, taxes, and auto insurance can take a big chunk of your budget. According to a 2019 AAA study, the average cost to own and operate a new vehicle was $9,282 per year.
When you consider just auto insurance, the most recent data from the Insurance Information Institute shows that the average cost is $936 per year nationwide. However, where you live significantly affects your rate. New Jersey drivers pay the most, $1,309, and Iowa drivers pay the least, $628 per year.
Many personal attributes get factored into your base car insurance rates that you can't change. They include where you live, if you’re a homeowner, your age, gender, marital status, and credit rating.
Insurance savings are available, but many policyholders don’t know what discounts exist or that they need to ask for them.
However, when it comes to getting auto insurance discounts, you have more control. Insurance savings are available, but many policyholders don’t know what discounts exist or that they need to ask for them.
In this post, we’ll review 20 auto insurance discounts that can easily save you money. What’s available depends on your insurer and the state where you live.
But even if you only qualify for a few insurance discounts, they can add up. Then you can put your savings toward something more rewarding, such as taking a vacation or boosting your emergency fund.
See how many of the following discounts you qualify for.
Your driving history plays a significant role in how much you pay for car insurance. It makes sense that auto insurers love safe drivers and are willing to reward them for being claim-free.
If you have a clean record with no moving violations or at-fault accidents over the past three to five years, most insurers typically give you a nice discount.
Potential savings: 10% to 20%.
But what if you don’t have a squeaky-clean driving record? You may be able to redeem yourself by passing an in person or online defensive driving course. Insurers know that boosting your education and skills can make you a better driver.
Potential savings: 5% to 15%.
Did you know that belonging to a particular group can qualify you for a car insurance discount? Depending on your insurer, it’s likely that they have hundreds of different partner organizations that allow members to get a break on the cost of car insurance.
They may include alumni associations, education organizations, certain fraternities or sororities, honor organizations, and recreational groups.
Potential savings: 5% to 10%.
There are also auto insurance discounts if you work in specific industries or occupations, such as being in the military, a teacher, medical professional, or government employee. Also, members of professional associations, such as unions and state bar associations, often qualify for reduced rates.
Potential savings: 5% to 15%.
An often-overlooked car insurance discount is for students who make good grades. You typically qualify if you’re in high school, college, or graduate school (up to age 26) and have at least a “B” average.
Insurers consider good students less of a risk when they’re behind the wheel. So, parents shouldn’t miss the opportunity to make it more affordable to insure their young drivers.
Potential savings: 10% to 25%.
Another way to cut the cost of insurance for students who live away from home, no matter their grades, is to request a distant student discount. It applies if a student lives at least 100 miles away from home and doesn’t have an insured vehicle with them on campus. They’ll be covered when they come home for breaks, but at a reduced rate.
Potential savings: 5% to 25%.
Maybe you’re driving less for a new job or keeping a car in the garage more often. If your driving patterns change, be sure to let your car insurance company know. Vehicles that are on the road less have fewer claims, and that earns you a substantial insurance discount.
Potential savings: 5% to 15%.
Many insurers offer usage-based insurance or UBI, which adjusts your rate based on how you drive. Data may be collected using a device that you keep in your vehicle or that gets reported from a smartphone app.
UBI programs evaluate different driving behaviors such as the time of day you drive, your average speed, how hard you brake and corner, and your mileage. If you’re considered a safe driver, your discount gets applied at renewal.
Potential savings: 5% to 40%.
Every auto insurer wants to retain existing customers and give you every reason not to switch. Being loyal to one company for at least a few years often results in substantial savings.
Potential savings: 10% to 25%.
If you have more than one vehicle in your household, insuring all of them with the same company usually gives you a multi-car discount. Insurers offer incentives to make sure they get as much of your business as possible.
Potential savings: 10% to 25%.
In addition to insuring more than one vehicle, getting different types of coverage with the same insurer is known as bundling or a multi-line discount. Many insurers cover more than just cars. You could get auto and homeowner, renters, or life insurance with the same company and score savings.
Potential savings: 5% to 15%.
Some insurers offer a discount if they don’t have to mail paper documents, such as your policy description and bills. Merely electing to be a paperless customer can qualify you for a small discount. You can get your information by email or an online account.
Potential savings: 3% to 5%.
Instead of making monthly or semi-annual auto insurance payments, paying your entire annual premium upfront may qualify for savings.
Potential savings: 5% to 10%.
Also, signing up for automatic premium payments using automatic withdrawals from your bank account can help you save a small amount.
Potential savings: 3% to 5%.
Some auto insurers offer a discount if you sign up for a policy after getting an online quote. You could shop directly on a carrier’s website or an aggregator site, such as Bankrate.com.
Potential savings: 5% to 10%.
Just like your existing auto insurer wants to keep you, others want to entice you. A switch or transfer discount is a promotional offer that cuts your rate for a time after you sign up with a new carrier.
Potential savings: 5% to 15%.
If you purchase a new vehicle or one that’s less than three years old, many auto insurers offer a discount. Newer cars typically have modern safety features that reduce the likelihood that you’ll make a claim.
Potential savings: 5% to 10%.
Car insurance companies want to help you prevent car theft, so most offer discounts for having any device, feature, or system that helps keep criminals away from your car. They could be factory-installed or an after-market product that you install.
Examples of systems that may lower your insurance rate include a GPS-based location system, such as OnStar, or a theft recovery system, such as LoJack. VIN etching, which is a permanent engraving of your vehicle’s identification number on the windshield and windows, may also qualify you for a discount.
Potential savings: 5% to 20%.
Cars with modern safety features, such as anti-lock brakes, airbags, and rear-view cameras, are less likely to get in an accident and cost an insurer. So be sure to let them know every on-board safety device in your vehicle.
Potential savings: 5% to 30%.
If you’re at least age 55 and pass an in-person or online defensive driving course, you can qualify for a discount. Insurers know that maintaining good driving skills reduces your risk and makes you less likely to file a claim. Most insurers offer a mature driver discount in many states.
Potential savings: 5% to 30%.
The savings you get from auto insurance discounts are typically capped. For example, an insurer may only allow a total discount of 40% off your base premium, even if you qualify for multiple discounts.
You don't have to wait until your auto insurance policy is up for renewal to compare quotes.
Also, it’s important to remember that not all discounts are applied to your rate automatically. You may have to ask for discounts that an insurer wouldn’t know you qualify for, such as getting a new job or having a driver in your family who qualifies for a good student discount. And not every insurer may offer all of the discounts we’ve covered.
Auto insurance prices vary from company to company, and they can even change from month to month. You don't have to wait until your auto insurance policy is up for renewal to compare quotes. So, if you haven’t reviewed your car insurance lately or it’s been a while since you’ve shopped policies, you may be leaving money on the table.
Source: quickanddirtytips.com
As a parent, one of the scariest things to think about is what your children will do if something happens to you someday. This can be even scarier if youâre a single parent without a partner to fall back on.
But hereâs the thing: you are the sole provider for your children. Itâs even more important that you take time to consider all the future possibilities. Hereâs what you need to know about life insurance, including how much coverage to get and how much itâs likely to cost.
The biggest life insurance question is usually about how much coverage you need. There are all sorts of rules of thumb for this issue. Some say you need seven times your current annual income, while others say more or less.
But how much coverage you need really depends on how the benefit would need to be used if you were to pass away. Ultimately, this depends on a few factors, including the following:
Letâs break this down, then, into the five things youâll need to consider to get the most out of your life insurance policy.
If you donât already have plans for alternative caregivers for your children, now is the time to make them. Your life insurance decisions will largely hinge on the circumstances of those who would care for your children in the event of your death.
For instance, letâs say you have four kids who would live with your parents if you passed away. If your parents have already downsized into a retirement home, theyâd probably need to move to care for your children. In this case, you need to account for their additional moving and housing expenses in your life insurance policy. If theyâve already retired, you may need to consider the other ways that caring for your children would impact their ability to cover their own living expenses.
But what if you have only one child who would move in with family friends if you passed away? If your friends already have a few kids of their own, they may not need to move or add on to their home to accommodate your child. In this case, you may not need quite as much life insurance coverage.
Itâs a good idea to have an up-front conversation with potential caregivers. What would they need in order to care for your children appropriately? These are difficult conversations to have, but theyâre an essential part of this equation.
How much insurance you require also depends on your kidsâ ages and needs. If you have younger children, youâll need more coverageâand youâll need it to last longer. If your kids are older, though, you can probably purchase a shorter policy with less coverage.
Beyond just their ages, youâll want to consider your kidsâ particular needs as well. Are they currently attending a private school that youâd want them to continue attending? Or maybe you have a child with special medical needs. Make sure your policy is large enough to cover those costs.
If you want to fund your childrenâs college attendance with your death benefit, youâll need quite a bit more coverage. If you canât afford to cover college tuition right now, you could also look at college funds as the icing on the cake. In a couple of years, if youâre in a better place, consider upping your policy or adding a second one to cover these costs.
Even those without children should have enough life insurance coverage to tackle leftover debts and other end-of-life expenses, but it can be even more important for single parents. Youâll want to be sure your children arenât dealing with a burden of debt while also grieving your loss. If possible, youâll want to cover the full amount of your debt so they donât need to.
Keep in mind the costs of end-of-life services, like a funeral service and burial, as well. These can run as much as $10,000 and be a real financial burden if you forget to plan for them yourself.
Now itâs time to determine how much total life insurance coverage you need. Hereâs an example, based on the recommendation that you cover seven times your annual salary.
Sherry is a single mom of a four-year-old and a ten-year-old. She makes about $40,000 per year. If she passed away, her parents would care for the kids, and theyâd need to move into a larger home to do so. She has about $25,000 in debt, outside of her mortgage, and she would want to fund both kidsâ college funds with her life insurance. Hereâs where she stands:
That sounds like a lot, right? Before you decide you canât afford insurance, though, take the next step.
Over half a million dollars in life insurance coverage seems like a lot, but many people actually overestimate the actual costs of such insurance, especially for healthy, relatively young individuals.
The key is to get term insurance (unless you have a good reason to have more expensive whole life insurance coverage) for only as long as you need it. The longer your term, the more expensive your coverage. Sherry should probably have a 15-year policy, which would cover her until her children are both adults. And if Sherry is in good health, a policy like this could cost well under $50 per month. Thatâs much better, right?
Once you know how much coverage you need, itâs time to shop around. Plenty of online quoting systems can get you an estimate on your costs in just a few minutes.
These steps arenât fun to think about. But having an affordable life insurance policy you know will protect your loved ones is worth a bit of discomfort. Check out our Personal Finance Learning Center to ensure youâre on the right track to keep your children safe and secure when youâre no longer here.
Image: Juanmonino
The post The 5 Things Single Parents Need to Consider about Life Insurance appeared first on Credit.com.
Source: credit.com
While Medicare and Medicaid both help aging adults afford some of their medical expenses, they may not cover the cost of an extended illness or disability. Thatâs where long-term care insurance comes into play. Long-term care insurance helps policyholders pay for their long-term care needs such as nursing home care. Weâll explain what long-term care insurance covers and whether or not such coverage is something you or your loved ones should consider.
Long-Term Care Insurance Explained
Long-term care insurance helps individuals pay for a variety of services. Most of these services do not include medical care. Coverage may include the cost of staying in a nursing home or assisted living facility, adult day care or in-home care. This includes nursing care, physical, occupational or speech therapy and help with day to day activities.
A long-term care insurance policy pays for the cost of care due to a chronic illness, a disability, or injury. It also provides an individual with the assistance they may require as a result of the general effects of aging. Primarily, though, long-term care insurance is designed to help pay for the costs of custodial and personal care, versus strictly medical care.
When You Should Consider Long-Term Care Insurance
During the financial planning process, itâs important to consider long-term care costs. This is important if you are close to retirement age. Unfortunately, if you wait too long to purchase coverage, it may be too late. Many applicants may not qualify if they already have a chronic illness or disability.
According to the U.S. Department of Health and Human Services, an adult turning 65 has a 70% chance of needing some form of long-term care. While only one-third of retirees may never need long-term care coverage, 20% may need it for five years or longer. With a private nursing home room averaging about $7,698 per month, long-term care could end up being a huge financial burden for you and your family.
Most health insurance policies wonât cover long-term care costs. Additionally, if youâre counting on Medicare to assist you with these extra expenses, you may be out of luck. Medicare doesnât cover long-term care or custodial care. Most nursing homes classify under the custodial care category. This classification of care includes the supervision of your daily tasks.
So, if you donât have long-term care insurance, youâre on the hook for these expenses. However, itâs possible to get help through Medicaid for low income families. But keep in mind, you may only receive coverage after you deplete your life savings. Just know that Medicare may cover short-term nursing care or hospice care, but little of the long-term care in between.
What Does Long Term Care Insurance Cover
So what does long term care insurance cover, Well, since the majority of long-term care policies are comprehensive policies, they may cover at-home care, adult day care, assisted living facilities (resident care or alternative care), and nursing home care. At home, long-term care may cover the cost of professional nursing care, occupational therapy, or rehabilitation. This may also include assistance with daily tasks, including bathing or brushing teeth.
Additionally, long-term care coverage can cover short-term hospice care for individuals who are terminally ill. The objective of hospice care is to help with pain management and provide emotional and physical support for all parties involved. Most policies allow beneficiaries to obtain care at a hospice facility, nursing home, or in the comfort of their own home. However, most hospice care is not considered long-term care and may receive coverage through Medicare.
Also, long-term care insurance can help cover the costs of respite care or temporary care. These policy extensions provide time off to those who care for an individual on a regular basis. Usually, respite care provides compensation to caregivers for 14 to 21 days a year. This care can take place at a nursing home, adult daytime care facility, or at home
What Long-Term Care Doesnât Cover
If you have a pre-existing medical condition, you may not be eligible for long-term care during the exclusion period. The exclusion period can last for several months after your initial purchase of the policy. Also, if a family member provides in-home care, your policy may not pay them for their services.
Keep in mind, long-term care coverage wonât cover medical care costs. Many of your medical costs will fall under your coverage plan if youâre eligible for Medicare.
Long-Term Care Insurance Costs
Some of the following factors may affect the cost of your long-term care policy:
If youâre in poor health or youâre currently receiving long-term care, you may not qualify for a plan. However, itâs possible to qualify for a limited amount of coverage with a higher premium rate. Some group policies donât even require underwriting.
According to the American Association for Long-Term Care Insurance (AALTCI), a couple in their mid-50s can purchase a new long-term care policy for around $3,000 a year. The combined benefit of this plan would be roughly $770,000. Keep in mind, some policies limit your payout period. These payout limitations may be two to five years, while other policies may offer a lifetime benefit. This is an important consideration when finding the right policy.
Bottom Line
While itâs highly likely that you may need some form of long-term care, itâs wise to consider how you will pay for this additional cost as you age. While a long-term care policy is a viable option, there are alternatives you can consider.
One viable choice would be to boost your retirement savings to help compensate for long-term care costs. Ultimately, it comes down to what level of risk youâre comfortable with and how well a long-term care policy fits into your bigger financial picture.
Retirement Tips
Photo credit: ©iStock.com/KatarzynaBialasiewicz, ©iStock.com/scyther5, ©iStock.com/PeopleImages
The post What Long-Term Care Insurance Covers appeared first on SmartAsset Blog.
Source: smartasset.com
Your washing machine. Your car. Your front tooth.
If any of those broke right now, would you be able to get it fixed immediately? Or would you have to walk around with a gap in your smile for months until you could get the money together?
If you canât afford to pay to fix it today, youâre not alone. Most people donât have $400 saved in case of an emergency either. So before your car breaks down on the side of the road on your way to an interview, make sure you have a solid emergency fund of at least $500.
Donât know how to get there? Having a budget (that you actually stick to) can help you get there. Hereâs one budgeting strategy we recommend, and four other tips that can help you keep your expenses in line.
The 50/30/20 rule is one of the simplest budgeting methods out there, which is why youâve probably heard us talk about it before if youâre a regular TPH reader. There are no fancy spreadsheets or pricy apps to download (unless you want to), and itâs very straightforward.
Hereâs how it shakes out: 50% of your monthly take home income goes to your essentials â your rent, your groceries, your minimum debt payments, and other necessities. 30% of your cash goes to the fun stuff, and 20% is dedicated to your financial goals. That could be paying more than the minimum on your debts or adding to your investments. And it definitely includes building up your emergency fund!
If you take a look at your budget and realized you donât have enough leftover to contribute to your emergency fund, here are a few ways to help balance your budget:
Youâre probably overpaying the bills you have to pay each month. But you can cut those expenses down, without sacrificing anything. Maybe even enough to cover that window your kid just smashed with a ball. Definitely enough to grow your emergency fund a meaningful amount.
So, whenâs the last time you checked car insurance prices?
You should shop your options every six months or so â it could save you some serious money. Letâs be real, though. Itâs probably not the first thing you think about when you wake up. But it doesnât have to be.
A website called Insure.com makes it super easy to compare car insurance prices. All you have to do is enter your ZIP code and your age, and itâll show you your options.
Using Insure.com, people have saved an average of $540 a year.
Yup. That could be $500 back in your pocket just for taking a few minutes to look at your options.
If we told you you could get free money just for watching videos on your computer, youâd probably laugh. Itâs too good to be true, right? But weâre serious. You can really add up to a few hundred bucks to your emergency savings with some mindless entertainment.
A website called InboxDollars will pay you to watch short video clips online. One minute you might watch someone bake brownies and the next you might get the latest updates on Kardashian drama.
All you have to do is choose which videos you want to watch and answer a few quick questions about them afterward. Brands pay InboxDollars to get these videos in front of viewers, and it passes a cut onto you.
InboxDollars wonât make you rich, but itâs possible to get up to $225 per month watching these videos. Itâs already paid its users more than $56 million.
It takes about one minute to sign up, and youâll immediately earn a $5 bonus to get you started.
Just by paying the minimum amount on your credit cards, you are extending the life of your debt exponentially â not to mention the hundreds (or thousands) of dollars youâre wasting on interest payments. You could be using that money to beef up your emergency savings, instead.
The truth is, your credit card company is happy to let you pay just the minimum every month. Itâs getting rich by ripping you off with high interest rates â some up to nearly 30%. But a website called AmOne wants to help.
If you owe your credit card companies $50,000 or less, AmOne will match you with a low-interest loan you can use to pay off every single one of your balances.
The benefit? Youâll be left with one bill to pay each month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), youâll get out of debt that much faster. Plus: No credit card payment this month.
AmOne keeps your information confidential and secure, which is probably why after 20 years in business, it still has an A+ rating with the Better Business Bureau.
It takes two minutes to see if you qualify for up to $50,000 online. You do need to give AmOne a real phone number in order to qualify, but donât worry â they wonât spam you with phone calls.
Letâs face it â if your monthly income is less than what your monthly expenses are (and youâve run out of things to cut), you need more money.
Well, we all could use more money. And by earning a little bit extra each month, we could make sure weâre never taken by surprise when an ER visit tries to drain our savings.
Luckily, earning money has never been easier with the rise of the âGig Economyâ. Here are 31 simple ways to make money online. Which one could you do to pad your emergency savings?
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Source: thepennyhoarder.com
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Elderly drivers can suffer from vision deterioration and slowed reaction times. Find out how age affects safe driving and how to recognize the danger signs.
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If you’ve got a parent about to turn 80 soon, it’s time to have “that talk.” Road safety is top of mind for police and, over …
Use these driving tips to stay safe as an older driver. learn how aging affects driving and know when it’s time to stop.
Safe elderly drivers require the complex coordination of many different skills. The physical and mental changes that accompany aging can diminish the abilities of elderly drivers.
For many of us, driving is a key aspect of maintaining our independence as we age. But it’s normal for our driving abilities to change as we get older. By reducing risk factors and incorporating safe driving practices, you may be able to continue driving safely long into your senior years. Even if
ROCKFORD, Ill. (WIFR) — For elderly residents feeling the sting of struggling to get from place to place, a new service can …
Millennials — a generation that includes many digital natives who grew up with smartphones — were more apt to have a variety …
2019-01-18 · A Contract to Stop Driving. I’m intrigued by the idea of a family driving agreement, by which an older person who may now be a perfectly fine …
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2013-02-05 · Cillian Murphy Shares The History Behind His Film ‘Dunkirk’ – Duration: 6:21. The Late Show with Stephen Colbert 1,477,456 views
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Nearly four weeks after a five-year-old boy in foster care drowned, members of Montreal’s Nigerian community want to know why …
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2016-05-16 · Home Care Association of America: The Home Care Association of America (HCAOA) is the nation’s first association for providers of private duty home care, which includes non-medical home care services. The HCAOA is the recognized resource for information and definition of private duty home care …
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As a result, the costs to start a home care business via acquisition requires significantly larger up front capital investment than franchise or independent agency. Existing home care agencies can sell for as little as $75K to as much as $5.4M for a single office agency.
Starting a senior home care business is a great way to become your own boss in a rapidly growing field. In these uncertain economic times, self-employment can still offer opportunities to make a solid income and provide job security for the future.
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Starting a small home health care business differs from many small businesses because it comes with significant compliance, responsibility and liability requirements. While home health care is a …
“We’re already the largest health informatics provider,” Sihota explained about her company’s expansive role selling data …
Starting a home care business to meet this great demand for in-home care may potentially be a rewarding business enterprise. Skilled home health agency vs. non-medical home care agency Initially it is very important to understand the distinction between starting a medical skilled home health agency versus a non-medical home care agency.
Welcome to our latest edition of Dispensed, Business … us know by emailing healthcare@businessinsider.com. New to our …