Insurance

  1. Which of the following accounts does ERISA cover?

    A. IRA B. State employee pension planC. Corporate defined-benefit planD. Coverdell savings account Answer: CThe correct answer is "c." ERISA covers most employer retirement plans, but public employee plans are exempt from coverage. "A" is not correct because the IRA is an individual plan, not an employer ...
  2. How To Choose A Healthcare Plan

    HMOs? PPOs? CDHPs? We'll clear up the confusion so you can find the right coverage.
  3. The Getty Oil Takeover Fiasco

    It was the largest takeover in history and one of the most dramatic. Learn all about the fate of Getty Oil.
  4. How is my insurance premium calculated?

    An insurance premium is the money charged by insurance companies for coverage. Insurance premiums for services differ from company to company, so it is advisable that individuals shop around for insurance premiums. However, it is important to note that, sometimes, insurance premiums quoted are slightly ...
  5. Will Medicare pay for long-term costs?

    Long-term care refers to a variety of care services (medical and non-medical) that helps meet the needs of people who have a chronic illness or are disabled. Generally, long-term care can be provided at home, in the community, in assisted living or in nursing homes.
  6. A Brief History Of Credit Rating Agencies

    Credit rating agencies have a long history in this country. Learn about what they do and how were they developed.
  7. Cut Taxes By Reporting Property Damage

    Know the options you have for your insured property if and when a disaster strikes.
  8. Indexed Universal Life: Cash, Flexibility And Safety

    IULs boast the security of fixed universal life policies and the interest-earning potential of variable policies.
  9. 10 (Costly) Tickets To Fast Cash

    Circumstances arise when you need cash fast. Unfortunately, each option has its own risks and sometimes, a very high cost.
  10. 13 Pre-Issue Corporate Bond Questions For Businesses

    When a company needs more funding, there are many options. Corporate bonds is just one of them.
  11. Why might one insurance policy cost more than another?

    There are several reasons that an insurance policy can cost more or less at different agencies. Some of the more common reasons include the following:a) Economies of scale - Larger agencies can often obtain better rates with most insurance companies.b) Agent commission/fees are higher - Each agency makes ...
  12. 5 Health Insurance Considerations

    It may not be the most exciting of topics, but there are many ways to save on and increase the efficiency of your health insurance.
  13. Benefit Issues When Your Employer Goes Bankrupt

    There are some safeguards in place to ensure that health benefits don't just disappear when a plan is canceled.
  14. Get Hired In Finance, Despite The Recession

    During a recession, there are still plenty of options for a business school graduate.
  15. Subaccounts: As Good Their Clone Funds?

    Variable annuity subaccounts are virtual clones of mutual funds but they have their own CUSIP number and their historical performances are tracked separately.
  16. What is long-term care insurance?

    Long-term care insurance is an insurance policy that that helps a patient pay for long-term care. The policy usually covers activities like bathing and dressing, rehabilitation, nursing facilities and other care-oriented activities for individuals with 'cognitive impairment' diseases like Alzheimer's.
  17. What is indexed universal life insurance?

    Indexed univeral life insurance is a lot like universal life insurance, however it does have a couple of wrinkles not found in traditional universal insurance policies. Universal life insurance comes in many different forms, from your basic fixed-rate policy to variable models that allow the policy holder ...
  18. 4 Wealth-Building Secrets

    Protect what you have while shifting risk is the motto of the rich. Find out how a life insurance policy can help you do the same.
  19. 3 Things To Get In Order Before You Die

    In the aftermath of the Jackson death, it has become evident that you need to make your wishes known.
  20. 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 ...
  21. Financing Basics For First-Time Homebuyers

    If you're looking to get your first mortgage, there are many financing options available.
  22. 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.
  23. 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.
  24. 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, ...
  25. 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.
  26. 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.
  27. 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.
  28. 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.
  29. Four Inexpensive Ways To Get Healthcare

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

    With a little pre-trip planning, you can avoid being stranded without adequate funds.
  31. 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.
  32. 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.
  33. 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.
  34. Losing Your Job: From A To Z

    Job loss can be devastating. Learn how to anticipate it and quickly get back on your feet.
  35. 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.
  36. 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.
  37. 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.
  38. Laid Off? You Can Still Retire

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

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

    If a dip in the economy has you worried about retirement, you still have options.
  41. 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.
  42. When Things Go Awry, Insurers Get Reinsured

    Guru Warren Buffett is making this sector popular. Learn more here.
  43. 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.
  44. Be Your Own Boss By Freelancing

    Learn the pros and cons before you bid adieu to sales meetings and power suits forever.
  45. Get Sale Prices On Healthcare With Discount Plans

    Medical discount plans can help the uninsured or underinsured afford better healthcare.
  46. Insure Your Future With A Career As An Actuary

    If you've got excellent math skills, they can add up to a lucrative career as an actuary.
  47. Will You Break Even On Your Home?

    Calculate how much your property will need to appreciate to cover the costs of owning it.
  48. Do You Need Casualty Insurance?

    Find out how different types of coverages can protect you and which policy is right for you.
  49. How Much Life Insurance Should You Carry?

    Learn how much - if any - insurance you really need.
  50. Let Life Insurance Riders Drive Your Coverage

    Find out how these additional benefits can help you customize your policy.
Save Money
  1. 5 Ways To Make Your Home Remodels Pay Off

    Here are five ways to make your home renovation worth the money and effort you put into it.
  2. Differences Between Private Foundations And Public Charities

    Here's a look at the differences between these types of charitable organizations.
  3. How To Monetize Your YouTube Channel

    YouTube's Partner Program helps users earn money through their channels. Find out how.
  4. The World's Most Valuable Private Companies

    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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