Budget, Credit, Insurance
Without a strong, positive, credit-based insurance score, an insurance policy applicant may only be offered policies with higher premiums or a higher monthly rate to pay. To the insurer, the lower credit score of a potential policyholder means that they are an increased risk for making claims, and consequently they must pay more money to the insurance company to offset the likelihood of future claims on the policy. Having to pay higher premiums or rates could increase insurance costs hundreds of dollars a year for an indefinite number of years, either until a consumer’s reports and scores are more robust or, possibly, if the insurer determines that the consumer is less risky based on some other criteria.
Insurance, Investment, Savings, Security
Delta Community sometimes receives inquiries from its members about its financial health and if members’ deposits are insured in some way. The deposits of Credit Union members are insured by the United States government through a program that some of our members may not be aware of, but it’s important to understand how the program operates and the protection it provides.
Budget, Credit, Insurance, Vehicles
The car search process can be made considerably faster and easier with a variety of online tools or services that may speed up the process. A number of these services provide detailed information on car features, prices, the condition of used cars, and act as a database for inventories of vehicles held by car dealers and other sellers. A few car services sell cars directly to buyers and can provide auto loans. For some of these services there is no cost, while others may have an upfront fee for their use, and some services may have a financial charge if a vehicle is purchased through the service. Different services provide different benefits, and it’s important to understand what they offer and for what cost—always research carefully and compare prices. So what are examples these types of car services and what do they offer?
Budget, Insurance, Investment, Retirement
One way of thinking about life insurance is that it’s essential at any time of life, and it’s there to help people you care about in what may be an unfortunate time of need. The cost of life insurance varies, and it can be customized to meet financial, age and lifestyle needs. With research and appropriate lifestyle and purchasing choices, life insurance can be both affordable and available.
Budget, Credit, Insurance, Savings
If you’re considering adding a pet to your family, it’s important to invest time in understanding both the upfront and ongoing costs of keeping your new family member happy and healthy so you both can enjoy your life together. The amount and type of pet ownership costs can range from less than $10 for a simple toy for play time to thousands of dollars in complex veterinary care and ongoing treatment and medications for an ailing pet. You should know and fully consider the entire range of beginning and upkeep costs as you prepare for pet ownership.
Insurance, Investment, Retirement, Savings
Providing for the future requires planning today. Legacy Planning is a professionally guided, step-by-step process structured so that after your passing, who and what you love are taken care of according to your precise instructions so that no actions are ambiguous and that your money is used to fulfill your after-life goals.