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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 ...
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If you're looking to get your first mortgage, there are many financing options available.
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Find out everything you need to know to tackle this major purchase without fear.
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From car insurance to concert tickets, be sure to take advantage of whatever your card has to offer.
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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, ...
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The Glass-Steagall Act of 1933 would reform the banking indusry, and attempt to protect the average investor.
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Starting a new job is stressful but you don't need to sweat about setting up a benefits package.
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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.
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Americans are increasingly turning home equity to cash - but this transaction is not as simple as it sounds.
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Feeling stressed out? Your health could suffer and your budget might not be far behind.
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With a little pre-trip planning, you can avoid being stranded without adequate funds.
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Home buyers with low down payments may get stuck with higher mortgage payments. Find out what you get for the extra money.
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Investment companies and brokers want to sell. Unfortunately, this can result in promotional material that is not entirely frank, or far worse, truly misleading.
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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.
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Job loss can be devastating. Learn how to anticipate it and quickly get back on your feet.
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It's the biggest purchase of your life - find out what can go wrong before you even close the deal.
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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.
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Follow these steps to give your partner a clear picture of your household's financial situation and the confidence to take over.
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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.
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Joblessness is temporary, but neglecting your retirement savings has permanent consequences.
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How did America's strong economy tumble so quickly? Find out here.
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If a dip in the economy has you worried about retirement, you still have options.
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This thriving country was brought to its knees by the rapid growth - and subsequent decline - of its banking industry.
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Guru Warren Buffett is making this sector popular. Learn more here.
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Find out how to use and compare policy options to get the best coverage at the best price.
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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 ...
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Find out how to protect those you love the most with specialized policies.
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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 ...
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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 ...
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Before jumping into a policy, check out these tips on how to score the best plan for you.
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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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Term insurance is a type of life insurance policy that provides coverage for a certain period of time, or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active - or in force - then a death benefit will be paid.
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You may not be able to prevent illness, but it doesn't have to infect your savings.
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Death, divorce and loss of income can leave retirees reeling. Learn how to prepare.
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Learn the 10 steps that lead up to closing the deal on your new home and taking possession.
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Before paying for coverage, find out what you need to do to ensure you get paid.
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Understanding employment practices liability insurance is easy, once you know the basics.
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Insurance premiums can be affected by many factors including:
type and amount of risk
size of deductible
amount of coverage
age of the applicant
applicant's medical history
applicant's past and current lifestyle
Insurance policies can be issued at the group or individual ...
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HSAs can provide a new way to save for retirement and medical expenses.
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Don't let these simple errors leave you unprotected. Read on to learn more.
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The term "multiline insurance" can refer to multiline contracts and multiline insurers, so let's take a look at both variations. A multiline contract is a type of insurance policy that bundles together exposures to risk and covers them under a single contract with a common aggregate deductible and policy ...
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This coverage will allow you to focus your attention on getting well, rather than getting by.
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Reinsurance occurs when multiple insurance companies share risk by purchasing insurance policies from other insurers to limit the total loss the original insurer would experience in case of disaster. By spreading risk, an individual insurance company can take on clients whose coverage would be too great ...
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Here are ten ways to make sure you get the right home insurance coverage and compensation for your property.
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If you've got excellent math skills, they can add up to a lucrative career as an actuary.
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Learn the pros and cons before you bid adieu to sales meetings and power suits forever.
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Medical discount plans can help the uninsured or underinsured afford better healthcare.
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Find out how different types of coverages can protect you and which policy is right for you.
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Calculate how much your property will need to appreciate to cover the costs of owning it.
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Find out how these additional benefits can help you customize your policy.