Insurance

  1. What is moral hazard?

    An idea that a party that is protected in some way from risk will act differently than if they didn't have that protection. We encounter moral hazard every day - tenured professors becoming indifferent lecturers, people with theft insurance being less vigilant about where they park, salaried salespeople ...
  2. Financing Basics For First-Time Homebuyers

    If you're looking to get your first mortgage, there are many financing options available.
  3. How To Buy Your First Home: A Step-By-Step Tutorial

    Find out everything you need to know to tackle this major purchase without fear.
  4. Credit Card Perks You Never Knew You Had

    From car insurance to concert tickets, be sure to take advantage of whatever your card has to offer.
  5. What are activities of daily living (ADL)?

    Activities of daily living (ADL) refer to daily activities that individuals normally do, unassisted, to take care of themselves. These activities include: bathing, eating, cooking, walking, dressing, house chores, personal hygiene and walking. Usually, healthcare professionals (nurses, nurse's aides, ...
  6. Employee Benefits: How To Know What To Choose

    Starting a new job is stressful but you don't need to sweat about setting up a benefits package.
  7. On This Day In Finance: June 16 - 76th Anniversary Of The FDIC

    The Glass-Steagall Act of 1933 would reform the banking indusry, and attempt to protect the average investor.
  8. Biggest Millionaire Flops

    The next time portfolio losses have you down, just be glad that you can blame some of your woes on the market, rather than your own poor judgment.
  9. Reverse Mortgages: Why They're Really Too Good To Be True

    Americans are increasingly turning home equity to cash - but this transaction is not as simple as it sounds.
  10. Four Inexpensive Ways To Get Healthcare

    Feeling stressed out? Your health could suffer and your budget might not be far behind.
  11. Travel Smart By Planning How You'll Pay

    With a little pre-trip planning, you can avoid being stranded without adequate funds.
  12. Understanding Mortgage Impound Accounts

    Home buyers with low down payments may get stuck with higher mortgage payments. Find out what you get for the extra money.
  13. Don't Be Misled By Investment Advertising

    Investment companies and brokers want to sell. Unfortunately, this can result in promotional material that is not entirely frank, or far worse, truly misleading.
  14. 10 Last-Minute Retirement Tips

    The months leading up to your retirement can be the most crucial in terms of planning. Review your insurance, make a budget and plan your estate so the transition to retirement is as easy as possible.
  15. Losing Your Job: From A To Z

    Job loss can be devastating. Learn how to anticipate it and quickly get back on your feet.
  16. 10 Hurdles To Closing On A New Home

    It's the biggest purchase of your life - find out what can go wrong before you even close the deal.
  17. Academic Careers In Finance

    Working nine months a year and earning a six-digit salary might seem like the high life, but these jobs are not easy to come by.
  18. 8 Steps To Teach Your Partner Household Finances

    Follow these steps to give your partner a clear picture of your household's financial situation and the confidence to take over.
  19. What is a "force majeure"?

    A force majeure is derived from the French term meaning "greater force" and refers to any natural and unavoidable catastrophe. A force majeure clause is included in contracts to remove liability when such events restrict participants from fulfilling their obligations.
  20. Laid Off? You Can Still Retire

    Joblessness is temporary, but neglecting your retirement savings has permanent consequences.
  21. The Fall Of The Market In The Fall Of 2008

    How did America's strong economy tumble so quickly? Find out here.
  22. Net Worth Nosedive: Can You Still Retire?

    If a dip in the economy has you worried about retirement, you still have options.
  23. Iceland's Near Collapse: What Can We Learn?

    This thriving country was brought to its knees by the rapid growth - and subsequent decline - of its banking industry.
  24. When Things Go Awry, Insurers Get Reinsured

    Guru Warren Buffett is making this sector popular. Learn more here.
  25. For Top-Notch Insurance Coverage, Compare Quotes

    Find out how to use and compare policy options to get the best coverage at the best price.
  26. Do You Need Casualty Insurance?

    Find out how different types of coverages can protect you and which policy is right for you.
  27. Will You Break Even On Your Home?

    Calculate how much your property will need to appreciate to cover the costs of owning it.
  28. Let Life Insurance Riders Drive Your Coverage

    Find out how these additional benefits can help you customize your policy.
  29. Filling The Gaps In General Liability Insurance

    Standard liability coverage may not be enough. Special needs call for specialized policies.
  30. How Much Life Insurance Should You Carry?

    Learn how much - if any - insurance you really need.
  31. A New Approach To Long-Term Care Insurance

    This practical product can protect you from the rising cost of care and provide for your beneficiaries at the same time.
  32. Are Return-Of-Premium Riders Worth It?

    Find out if this policy coverage will add money to your pocket, or cost you in the long run.
  33. Build A Wall Around Your Assets

    Learn how to protect your money from lawsuits, creditors and other judgment proceedings.
  34. What is the difference between term and universal life insurance?

    Term life insurance is the most basic of insurance policies. It is nothing more than an insurance policy that provides protection for accidental death and possibly debilitating injuries for a specified period of time. If you or your beneficiaries do not make any claims during the term of such a policy, ...
  35. Fatal Seduction Of The Municipal Bond Insurers

    Learn how a foray into CDOs and other exotic products ruined an industry's image.
  36. I know there is a form of deposit insurance where a portion of my bank account deposits ...

    First things first, it's only partially correct to think that a portion of your bank deposits is protected. The Federal Deposit Insurance Corporation (FDIC) will insure deposits up to $250,000 in participating institutions. The key here is that the insurance only applies to participating institutions.
  37. Exploring Advanced Insurance Contract Fundamentals

    Understanding your contract can help you protect our family's financial security.
  38. How does the 80% rule for home insurance work, and how do capital improvements affect ...

    The 80% rule refers to the fact that most insurance companies will not fully cover the cost of damage to a house due to the occurrence of an insured event (e.g. fire or flood), unless the homeowner has purchased insurance coverage that is equal to at least 80% of the house's total replacement value.
  39. The 5% Solution To Financial Freedom

    How can you save the recommended 10% of your income? We'll show you how to get there.
  40. Insurance Coverage: A Business Necessity

    Don't go to work without this policy in place - especially if your work is in your home.
  41. Watch Your Back In The Annuity Game

    Find out how to get the upper hand when dealing with this payout challenge.
  42. A Multipurpose Future Planning Tool

    Overfunded variable universal life insurance policies can be an all-in-one financial solution.
  43. What is a gatekeeper?

    A gatekeeper is a health insurance term used to describe the person in charge of a patient's treatment. Anyone who receives health insurance coverage in the form of a managed care plan, specifically a Health Maintenance Organization (HMO) plan, is assigned a gatekeeper or allowed to choose one.
  44. 10 Ways To Prepare For Nature's Worst

    Protect your financial interests from earthquakes, floods, tsunamis, hail, hurricanes, tornadoes and lightning strikes.
  45. What's the difference between casualty insurance and disability insurance?

    Casualty insurance is often called "property casualty insurance", and it provides insurance protection for your property in the event of a covered loss. Property that is commonly covered with casualty insurance includes houses, condominiums, cars, motorcycles, boats, yachts and personal sports and recreation ...
  46. Protect Your Kids And Pets With Custom Insurance

    Find out how to protect those you love the most with specialized policies.
  47. I have just been laid off. Can I use my 401(k) for living expenses now and report ...

    Any amounts withdrawn from your 401(k) plan must be treated as ordinary income for the year the amount is distributed from your 401(k) account. Consider the following: If any portion of the withdrawal is rollover eligible, the plan administrator must withhold 20% for federal taxes if the amount ...
  48. What is variable life insurance?

    Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash value account, which is invested in a number of sub-accounts available in the policy. A sub-account acts similar to a mutual fund, except it's only available within a variable life insurance ...
  49. What To Expect When Applying For Life Insurance

    Before jumping into a policy, check out these tips on how to score the best plan for you.
  50. Does it make sense to get my house and car insurance at the same place?

    Some companies offer a "multi-policy" discount to people who buy auto and home insurance together, in which case it may save you a lot of money to get your house and car insurance through the same provider.While a discount can be a great incentive, it's important to make sure you're buying the policies ...
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    In spite of the rewards going public can bring, some companies prefer to remain private, and they are very successful in this.
  5. Is Cyber Monday The New Black Friday?

    Cyber Monday is becoming more popular than Black Friday. Here's why.
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