Weâve heard the insurance tagline over and over: âSwitch and save money today.â Every insurance company claims to have the best deal. But, how can you get a good deal while maintaining the appropriate amount of coverage? Weâve got you coveredâliterally, and with no extra cost to you. Check out these ten ways to help lower your car insurance.
1. Get Quotes Annually
Insurance rates are increasing every year, so your insurance premiums will naturally increase over time. However, a huge spike in your insurance bill might mean itâs time to switch providers. Every year or two, use aÂ car insurance quote finder to compare your current insurance rate to competitors. You can also sign up forÂ Jerry.Ai, a tool thatÂ automatically checks for the lowest insurance rates before your policy renewal. Requesting quotes annually will ensure that your rates remain low and competitive.Â
2. Bundle Your Insurance Plans
Insurance companies often offer discounts when you bundle home, auto, or life insurance. Plus, you have the added convenience of paying all your insurance on one bill. If youâre satisfied with your insurance rates, you can stay with the same company to build up discount opportunities. Some insurance companies will give discounts to their long-term customers, also known as a customer loyalty discount. Bundling and customer loyalty can help you lower your overall insurance costs.
3. Get Rid of Insurance You Donât Need
Older vehicles require less insurance depending on their overall value. For example, you may not need collision and comprehensive coverage on a vehicle if its value is less than your deductible combined with your insurance premium. If you have a car thatâs only worth $1,000â$3,000, you might decide to get rid of some of your insurance and purchase a replacement vehicle out of pocket in the case of an accident. If you donât drop unneeded insurance, you can end up spending more on your premiums than what the total car is worth.
4. Increase Your Deductible
A deductible is the amount of money you pay out of pocket as a result of an accident. An increased deductible means lower premium rates. This is a great option for individuals who can keep enough cash savings to cover their deductible in the event of any emergency. Ask your insurance agent about raising your deductible to see how your premiums will fluctuate.
5. Drive Safely
This one might seem kind of obvious, but driving safely is the best way to keep your insurance rates low. Insurance providers record your driving history, including any accident reports or traffic tickets. These instances accrue points that eventually lead to increased insurance rates. Even if you switch insurance providers, companies will be able to access your driving history. Try your best to avoid speeding, running red lights, and driving recklessly. Be smart, and drive smart.
If you do get a ticket, take a defensive driving class to get the points taken off your record. A defensive driving class is an online or in-person course created by individual states to teach drivers how to anticipate dangerous situations and make educated driving decisions. In some states, taking this class canÂ reduce your insurance by 10 percent.
The defensive driving course may seem expensive for a single ticket, but it will end up saving you money on your insurance premiums. You can usually take driving school once a year. If you keep a clean driving record for three to five years, you could save on your insurance rates.
6. Improve YourÂ Credit Score
Studies show that drivers with a higher credit score are more responsible behind the wheel. Drivers with higher credit scores cost the insurance company less than individuals with a low credit score. A credit score is just another way for insurance companies to measure riskâthe very thing insurance companies seek to avoid. Improving your credit score can also help you qualify for auto and home loans. Study yourÂ credit report and find ways toÂ improve your overall credit score.
Are you looking for a way to monitor your credit needs? Check outÂ ExtraCredit by Credit.com. It has five killer features, each specifically designed to help you outâno matter what shape your credit is in.Â
Sign up for ExtraCredit today!
7. Pick the Right Vehicle
Insurance rates fluctuate based on the make and model of a car. This is something to consider when purchasing a new or used car. A car such as a Toyota or Chevy will be significantly cheaper to insure than a Porsche. Thatâs because itâs less risk for insurance companies. Remember, getting a cheaper insurance premium is dependent on your ability to minimize risk for the insurance company.Â Picking a car brand with an affordable initial price and reasonable upkeep costs can help you save money on insurance and your vehicle in general. You can also save on car insurance by selecting a smaller car with installed safety features.
8. Choose a Group Insurance Plan
People under the same household can create a group policy to save money. The plan will be more expensive as you add individuals to your group policy, but cheaper than if everyone was on their own insurance plan. Members of the insurance plan either need to be related or have joint ownership of the car. Each of the drivers will be insured for all the cars your family owns. Younger drivers will be more expensive to insure because of their added risk. Look for additional discounts to minimize your total group rate.
9. Ask Your Insurance Provider About Other Discounts
Car insurance companies often have additional discounts for specific groups of people. For example, if you are a member of the military, you can get a discount at some insurance companies. You can also lower the insurance premium for your teenage driver through a good student discount. Some other car insurance discounts include the following:
Government employees and retirees discount
Multiple vehicle discountÂ
Homeowners discount (separate from the bundling discount)Â
Paperless billing discountÂ
Hybrid or green vehicle discountÂ
Driver education discount for people under 21
Automatic payments or paid-in-full discountÂ
Ask your insurance provider about additional discounts to see if you qualify.
10. Find Out About Pay-as-You-Go or Usage-Based Insurance
If you donât use your car often, you may be able to save on your insurance. Some companies offerÂ a discount for driving under 10,000 miles in a single year. Other companies offer a pay as you go plan that allows you to pay a base rate and then pay per mile. These discounts could save you money if you do not have a long work commute or if you rarely use your car. This may also be a good incentive to use public transportation when possible.Â
We all want to save money on car insurance, but thatâs not the only factor in becoming a smart insurance customer. Before diving into savings, first determine your insurance needs and goals. Do your research to find out the difference betweenÂ liability and full coverage insurance. Once you have the right coverage, you can start chipping away at your rates by following these ten tips to lower your car insurance.Â
The post 10 Proven Ways to Lower Your Car Insurance appeared first on Credit.com.
The last thing you should do is pay for stuff. So weâve put together a list of 100 places where you can get birthday freebies, updated for 2021.
Most of these places require you to sign up for their email list or join their rewards club at least seven days before your birthday.
So get busy now and enjoy the free birthday stuff as it rolls in on your big day.
100 Places to Get Birthday Freebies
These restaurants and retailers will provide you with free treats for your birthday. Be sure to sign up in advance.
A&W All American Food
Get a free root beer float on your birthday by joining the Mug Club.
Sign up for ABC Liquor Access to get a âbirthday gift.â
Become an AMC Stubs Insider to get a free large popcorn during your birthday month. If youâre a Premiere or A-List member, youâll also get a free large fountain drink.
As a member of the Anthro Loyalty program, you will get a âspecial treat to celebrate your birthday.â
Sign up for the email club, and get $5 off when you spend at least $25. Youâll also get a free appetizer when you sign up.
Sign up for Arbyâs emails and get a free milkshake and curly fries on your birthday when you buy any sandwich. Youâll also get a free small fries and small soft drink when you sign up.
Au Bon Pain
Join the Eclub, and get a free coffee and pastry on your birthday. Youâll also get a travel mug and daily discounts on coffee just for signing up.
Download the Pretzel Perks app, and get a free pretzel on your birthday.
You need to spend $10 to join Avedaâs loyalty rewards program, but youâll receive a birthday gift valued at $23, as well as double points for your next Aveda purchase.
Sign up for Club Baja to get a âspecial offerâ on your birthday.
Sign up for the Friends and Benefits loyalty program to get âbirthday gifts.â
Create an account, join the Birthday Club, and get a free scoop of ice cream on your birthday.
When you sign up to receive Banana Republicâs emails, you can opt to also get a âbirthday gift.â
bdâs Mongolian Grill
Get a free meal on your birthday when you join the bdâs Rewards eClub, plus get a $5 coupon just for signing up.
Register for the Chefâs Table, and youâll get a $30 birthday certificate.
My Best Buy members get a âbirthday gift.â
Joining the I Love Big Boy email club gets you a free meal on your birthday.
Join Premier Rewards Plus and get a free Pizookie for your birthday. Whatâs that? Itâs a big, warm cookie smothered in ice creamâ¦ yum. Whatâs even better is you donât have to wait for your birthday â youâll also get a free Pizookie just for signing up.
Black Angus Steakhouse
Join the Prime Club to get a free steak dinner on your first birthday as a member.
Get a free Bo-Berry Biscuit with a purchase on your birthday as a member of the Bojanglesâ eClub.
Members of the Brueggerâs Bagels eClub will enjoy a âfree treatâ on their birthday, as well as a free bagel and cream cheese just for signing up.
Buca di Beppo
Youâll receive a free pasta after signing up, as well as a $20 birthday gift for joining the eClub.
Buffalo Wild Wings
Sign up for Blazinâ Rewards to get free birthday wings during your birth month.
Join Fudgie Fanatics to receive a free treat for your birthday. You can get a small soft serve birthday cone, take $2 off any cake (except for a small square) or take $3 off any sheet cake.
Chevys Fresh Mex
Members of the eClub get a free entree on their birthday, as well as a free appetizer for signing up.
Join Chick-fil-A One to get a âbirthday reward.â
Get a free dessert for your birthday when you join My Chiliâs Rewards Club, plus get free chips and salsa or a non-alcoholic beverage with every visit!
Join the Chipotle rewards program to get free chips and guacamole on your birthday when you make a purchase of $5 or more. When you sign up and make your first purchase, youâll also get free chips and a choice of guacamole, queso blanco or salsa.
Subscribe to Club Cinnabon to get a free iced coffee on your birthday and a free order of BonBites for signing up.
Cold Stone Creamery
Get a BOGO coupon for your birthday by signing up for the My Cold Stone Club. Youâll also get a BOGO coupon just for signing up!
Members of the Greater Rewards program get a âbirthday giftâ in addition to a welcome gift from the sportswear and outdoor gear retailer.
Join the POP! (Perfectly Organized Perks) program to get a birthday gift.
Enjoy a free sundae on your birthday when you sign up for MyCulverâs. Youâll also get a BOGO value basket when you sign up.
As a member of the ExtraCare Beauty Club, youâll get âbirthday gifts with beauty surprises,â as well as 10% off for joining.
If youâre a Raving Fan eClub member, you can enjoy a regular-size premium shake for your birthday, plus youâll get two free grilled chicken tacos when you sign up.
Sign up for Dennyâs Rewards program online or via the mobile app. Youâll get 20% off your next visit, plus a free stack of buttermilk pancakes on your birthday when you order online at Dennys.com.
Designer Shoe Warehouse (DSW)
Join the free DSW VIP Club to get a $5 birthday reward. Youâll also get $5 on your birthday if you spend $200 annually as a VIP Gold member, and youâll get $10 if you spend $500 annually as a VIP Elite member.
Get free Dippinâ Dots for your birthday when you join the Dot Crazy! Email Club.
Get a free beverage on your birthday by signing up for the DD Perks Rewards Program.
Join Edible Rewards and receive a free 12-count chocolate dipped fruit box (valued at $29.99) during your birthday month. Youâll also get a $5 coupon for signing up (valid for 30 days).
Einstein Bros. Bagels
Get a free egg sandwich with a purchase on your birthday when you join the Shmear Society â not totally free, but hey, youâll need something to help wash that sandwich down. Youâll have 14 days to claim your reward.
Join the Famous Nation and get a free dessert with a value of up to $9.00 for your birthday.
Famously You Rewards members get a $5 birthday cash reward.
Sign up for Firehouse Rewards for a free medium sub on your birthday or in the six days that follow it.
Get a BOGO breakfast, brunch or lunch for your birthday as a member of the Sun EClub.
When you become a BFF Club member, youâll receive a free birthday sundae.
As a member of the Godiva Rewards Club, youâll get a free birthday chocolate offer every year.
Habit Burger Grill
Be sure to join Habit Burger Grillâs CharClub to enjoy a free Charburger on your birthday.
Sign up for My Harkins Rewards and receive a $5 birthday coupon to use at the concessions.
Sign up for Hard Rock Rewards to get an âannual birthday offerâ from the cafe and shops.
Get 10 free boneless birthday wings when you sign up for Hootclub. Youâll also get $5 off your first purchase of $25 or more when you sign up.
Houlihanâs Restaurant and Bar
Email club members get a free birthday entree, plus $10 off just for joining.
Sign up for MyHop and get free pancakes on your birthday. Youâll also get free pancakes on the anniversary of your sign-up.
Challenge yourself to score as many birthday freebies as possible and make the celebration â and savings â last all month!
J. Crew Factory
When you sign up for Factory First, youâll get an extra 20% off and free shipping on your birthday. Youâll also get an extra 15% off your first purchase after signing up.
Receive a birthday gift when you sign up for JCPenney Rewards. If you are not a JCPenney credit card member, you must have earned points within the last 21 months.
Jersey Mikeâs Subs
Get a free birthday sub when you sign up for the email club.
Kendra Scott offers a 50% birthday discount on one fashion jewelry or color bar item. It also offers a 25% discount on fine jewelry, sterling silver jewelry or gold vermeil jewelry. You can also get 25% off a home goods item. Find out more information here.
Members of the Kohlâs Rewards program get a âspecial birthday gift.â
Krispy Kreme Rewards members receive a free Original Glazed Dozen. Youâll also get a free doughnut when you sign up.
As a member of the Longhorn Steakhouseâs eClub, youâll get âspecial offers and couponsâ on your birthday. Youâll also get a free appetizer when you sign up.
Join the eClub, and get $5 off the purchase of two entrees, plus two free slices of pie, the choice of a free âMarieâs Magnificent Sixâ or a free slice of pie with the purchase of an entree on your birthday. Youâll also get a special dine-in offer for signing up. The company also sends special offers for your wedding anniversary and allows you to add family members so they can get birthday rewards.
Moeâs Southwest Grill
Sign up for Rockinâ Rewards and get a coupon for a free birthday burrito, plus a free cup of queso just for signing up.
Nothing Bundt Cakes
Join the Nothing Bundt Cakes eClub and get a free Bundtlet on your birthday.
Opt into the Birthday Club when you subscribe to Old Navyâs emails to get a âfree birthday gift.â
Get a complimentary dessert on your birthday by signing up for the eClub. Youâll get a free dessert or appetizer when you sign up.
On the Border
Join Club Cantina and get free queso on your birthday, and just for signing up.
Members of the Pandora Club get a 15% discount during their birthday month. This offer can only be used one time and is valid on regular-priced jewelry only.
Sign up for My Wei Rewards and choose from these birthday freebies: crab wontons, traditional edamame, vegetable spring rolls or pork egg roll. The reward will automatically appear in your app seven days prior to your birthday.
Members of the MyPerkins Club receive a free Magnificent Seven meal on their birthdays. The meal includes two eggs, any way you like, plus two smoked bacon strips and three buttermilk pancakes. Plus youâll get a 20% off coupon for signing up. You will also be able to add your children ages 12 and under so they can get birthday rewards, too.
Sign up for a Pinkcard or download the app, and receive a free yogurt on your birthday.
Sign up for the Pita Pit Rewards Club and receive a free pita on your birthday.
Join the Hut Rewards program to get a âbirthday reward.â
Join the Planet Smoothie Club and receive a free smoothie for your birthday.
Sign up for Redbox Perks and receive a free birthday rental (it must be used within 60 days). Youâll also get a free one-night rental for signing up (that offer is valid for two weeks).
Enjoy a âbirthday surpriseâ when you sign up for the My Red Lobster Rewards program.
Register for the Red Robin Royalty Program, and get a free birthday burger.
Get a free Italian ice on your birthday when you download Ritaâs Ice App.
Romanoâs Macaroni Grill
Sign up for the email club, and get a free dessert on your birthday.
As a member of So Connected, youâll get a choice of a free burger or a free garden bar entree on your birthday. Youâll also get a free appetizer for signing up.
Beauty Insiders are eligible to choose a free makeup or skin care gift for their birthday.
Become a member of the Slice Society to get a birthday surprise. Youâll also get a free New York slice when you buy a beverage after signing up.
Get a free Big Deal Combo meal on your big day by joining the âQ Crew, plus a $5 coupon just for joining.
Receive a free cupcake (make that a bakerâs dozen if youâre a Red Velvet tier member) for your birthday when you join Sprinkles Perks.
Get a birthday beverage or food item as a member of Starbucks Rewards.
Sign up for the Subway MyWay Rewards program and the sandwich-making company will give you âsomething specialâ on your birthday.
As a birthday reward, âyouâll receive a Swag Up for a 55 SB credit when you redeem your next gift card.â
Be sure to check out our Swagbucks review for how to get the most out of Swagbucks.
Sign up for TCBY emails, and receive your first 3 ounces free on your birthday.
Sign up for the email club and youâll get a free appetizer or a sidekick of ribs on your birthday.
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The Melting Pot
Members of Club Fondue will get a âbirthday voucher.â
The Spaghetti Warehouse
Join the Warehouse Club, and get a free meal on your birthday, plus a free appetizer with an entree purchase for becoming a member of the club.
Become a Flathead and receive a free dessert for your birthday. Youâll also get a free Tijuana Trio when you sign up.
Tropical Smoothie Cafe
Download the Tropical Smoothie Cafe app to be eligible for a birthday reward. What you get depends on your loyalty tier, but it ranges from a $2 reward to a free menu item.
As an Ultamate Rewards member, youâll get an offer for extra bonus points on all purchases during your birthday month.
Download the Uniqlo app to get a birthday coupon during your birthday month.
Uno Pizzeria & Grill
Join the Uno Insiderâs Club, and receive a free dessert on your birthday, as well as a free appetizer with an entree purchase when you join.
Make sure youâre a member of the Waffle House Regulars Club to receive a free waffle on your birthday. Youâll also get free hashbrowns when you sign up.
Join the Wiener Loversâ Club, and get a free coupon each year on your birthday, plus a free chili dog for joining.
Members of World Market Rewards get a âsurprise offerâ on their birthday, plus a 15% coupon for signing up.
Join the YOMO Club, and get free yogurt on your birthday.
Sign up for the Zax Club and get a free Big Zax Snak on your birthday, plus a free sandwich meal for signing up.
Who doesn’t love getting something for nothing? Visit The Penny Hoarder Shop to see what freebies are available.
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.
In the fall of 2017, Equifax experienced a massive data breach. Approximately 147 million people were victims of this data breach. Recently a federal court has purposed a class action settlement. If you are part of this data breach, you are able to file a claim today.
Was I Part of The Equifax Data Breach?
You can check if you are part of the Equifax data breach by going to Equifaxâs data breach settlement website. You will need to enter your last name and last six digits of your social security number. After entering in this information on the settlement site, it will say if you were or were not a victim of the Equifax data breach.
Can I File a Claim?
You can file a claim if you if you are a victim of the Equifax data breach. To file a claim go to the Equifax data breach settlement site mentioned above to verify your eligibility. If you were a victim, the website will take you to a screen where you can file a claim.
What are My Claim Settlement Options?
Victims of the Equifax data breach, you can select from the following options:
A one-time cash payment up to $125 (if you already have credit monitoring)
Free credit monitoring service for 10 years. Which includes $1 million in identity theft insurance, identity restoration services (for seven years), and options to add more monitoring from Equifax.
Exclude yourself from the Equifax settlement
You can file a claim for eligible for reimbursement for time spent recovering from this incident if you were a victim of the Equifax data breach. You can also request compensation for reimbursement for out-of-pocket expenses if you spent or lost money recovering from this incident.
Which Settlement Option Should I Pick?
A one-time cash payment of $125 sounds great, right? But the actual cash payment amount is expected to be much less. Equifax set aside $31 million for cash payouts. This means that if only 248,000 people select a cash payment, they will get the full $125. Donât forget, there were 147 million affected by the Equifax data breach.
If you do the math and estimate 10% of the affected victims select the one-time cash payment, that is approximately $2.10 per claim. If 1 million people select the one-time cash payment, that is about $31 per claim.
Credit monitoring cost about $9 to $40 per month depending on the company you select and the credit-monitoring package. Estimating $15 a month for 10 years, this equals $1,800 â far more than a one-time cash payment of $125.
There has been a lot of publicity about the Equifax settlement. They are expecting a high rate of people filing claims. The FTC is warning victims not to expect the full one-time cash payment of $125.
What do you do if you have already selected the one-time cash payment but want to change to the credit monitoring option? You can contact Equifax to change your settlement option.
Changing Your Equifax Settlement Option
The Credit.com Editorial Team called the Settlement Administrator to find out. Settlement members can email Info@EquifaxBreachSettlement.com to change their settlement option. In the email to Equifax include the following information: your claim number, full name, and details about changing the settlement option. You only need to do this if you want to change your claim option.
Whichever selection you decide, make sure to do it before time runs out. You have until January 22, 2020 to file.
Â Preventing Identity Theft
It may seem impossible to prevent your personal data, but there are steps you can take to be proactive. Here are some ideas:
Be mindful of what your share on social media. A data thief can find out a lot of information about a person on social media. Limit your exposure by limiting what you share and whom you share it with. Donât give away your address, date of birth and motherâs maiden name on social media. Are you already doing this? Itâs a good idea to check your security settings every so often.
Take outgoing mail to the post office or a collection box. When you mail your mortgage payment and put the flag up on your mailbox, it is an open invitation to thieves to come check your mailbox to see what they can find. You can put a stop payment on a stolen check but the thief now has your bank account and routing number, which is a much bigger issue. Go for online bill payments or dropping off at a secure location.
Keep your Wi-Fi secure. Make sure your home Wi-Fi is password protected. If you are using public Wi-Fi, be careful what information you enter and view while on a public browser as others could see this information.
Opt out of prescreened credit card offers. You can opt out for five years or permanently. If you go with the permanent option, you have to mail something in. The five-year option allows you to complete the request online. To opt out, go to optoutprescreen.com. This will also eliminate waste since you will not receive offers you are not interested in. Next time you are in the market for a new credit card, visit Credit.comâs Credit Card Marketplace to review top offers instead. It is a much easier way to compare various credit card offers.
Freeze your credit if you have been a victim of identity theft. Freezing your credit report makes it harder for a data thief to open an account in your name. You can place a fraud alert on your credit report by contacting the three credit bureaus â Experian, Equifax and TransUnion.
If you have been a victim of the Equifax data breach, or any other data breach, there are things you can to do to help prevent identity theft. Monitoring your credit report and credit scores are a very important part of preventing identity theft.
Make sure to review your personal data (bank accounts and other sensitive info), credit report and credit scores from the credit bureaus on a regular basis to help prevent identity theft. Consumers are entitled to a free credit every 12 months from AnnualCreditReport.com. You can also sign up with Credit.com to view your credit score. With Credit.com you get two credit scores every 14 days and a credit report card for free.
The post Equifax Data Breach: Settlement Options appeared first on Credit.com.
Weâre all looking for ways to cut down on expenses â especially fixed expenses that lock us into a contracted bill month after month. One common way to spare your budget is to decrease your living expenses, including your house payment. Refinancing your loan could help cut down on your mortgage payments and could update your loan terms, saving you money. If youâre considering refinancing, you may ask, âhow long does it take to refinance a house?â
Refinancing your home can be tedious but it could help your budget in the long run. Luckily, weâre here to help by sharing the typical refinancing process and detailing how to make it as efficient as possible.
How Long Does It Take to Refinance?
Typically, refinancing a house takes 45 days, but it may vary depending on your financial situation and your lender vetting process. Preparing your financials early and picking the appropriate lender for your case are a few factors that could help the timeline of your updated mortgage loan. To speed up the refinancing application process, skip to our section below or keep reading to refinance your home in seven steps.
Steps to Refinance Your Home
Refinancing your mortgage has its positives and potential negatives. You could decrease your monthly mortgage payments, get a shorter loan period, or lock in a better interest rate. But you could also end up spending more on application fees or face prepayment penalties. Before speaking with a lender, research the refinancing process, requirements, and added costs that could deter your ideal result.
Step 1: Define Your Financial Goals
Start by asking yourself what youâd like to get out of a refinancing loan agreement. Do you want to shorten your loan term? Do you want to secure an interest rate lower than your current rate? Or, do you want both? Determine your ideal end result, verify your investment choice, and seek a lender that supports your goals.
Step 2: Compare Lenders (and Reviews)
Ask around or search online to find the right lender for you and your goals. Pick out a few professionals youâd be interested in working with and ask them their rates, terms, and requirements. To help narrow down your lender options, seek out reviews online or ask for referrals in your network to ensure you pick the right choice.
Step 3: Double-Check for Additional Fees or Costs
Refinancing a loan can rack up a bill you may not be aware of until after you start the loan process. Attorney, application, inspection, appraisal, and title searches are a few refinancing tasks that you could be charged for. To budget for these expenses, save a bit extra from each paycheck or assess your current savings account using our app. If you have enough saved, start inquiring about this loan. If you donât, put extra cash into savings each month until you have enough to cover the extra charges.
Step 4: Apply for Your Best Loan Estimate
Once youâve found the right loan for your financial goals, the next step is to fill out your application.. To submit your application, you may have to provide proof of income, assets, debts, and other forms that complete your financial portfolio. These documents may be helpful in the application process:
Proof of income: W2 earnings statements, 1099 DIV income statements, Federal tax returns for the last two years, bank statements for the last few months, recent paycheck stubs.
Credit information: your credit score and your credit reports from the last three years will be pulled for you, upon your approval.
Proof of assets: reports from your checking, savings, retirement, and other investment accounts.
Proof or insurance: providing evidence of your homeowners and title insurance.
Debts statements: statements of any debt accounts open â student loans, credit cards, current home loan, auto loans, etc.
Step 5: Start the Loan Process and Appraise Your Home
Itâs now time to begin the loan process and appraise the value of your home. Once youâre approved for your loan, itâs time to get your home inspected, appraised, and conduct a title search. To ensure you’re on track with your timeline, prepare all your documents ahead of time. Skip to our section below for more ways to speed up this process.
Step 6: Wait for Underwriters to Cross-Reference
Now, the underwriters take it from here. Underwriters double-check your financial information to ensure everything is accurate before approving your loan. Your creditworthiness and debt-to-income ratio are generally the key factors underwriters will look at. Your property details, including when you bought your house and your home’s value, are a few other determining factors. This process may be the longest time constraint, taking a few days up to a few weeks.
Step 7: Close Your Loan to Lock in Your Interest Rate
Once your loan is approved and youâve agreed upon your terms, itâs time to lock in your rate. This stage is commonly known to stretch your timeline as well. It can take your lawyer anywhere from one day to two months to settle your current loan and redeem your property. Keep in mind, this is typically where you pay the brunt of your fees whether youâre approved or denied. These fees may include closing costs and application fees.
Ways to Speed up the Application Process
credit score of 620 or higher, it may be the right time to check in on your score. Use our app to see your credit score, your credit history, and helpful tips to boost your ranking.
Avoid taking on more debt: Your credit score is impacted by your debt. Maxing out your credit card could negatively impact your credit score and cost more in the long run. Focus on paying off debts and only spending your readily available money to free up more credit utilization.
Stay away from applying for new credit: Additionally, inquiring about new debt opportunities could drop your credit score up to eight points. Next time youâre offered a new credit card or a deal on a car loan, take a few days to analyze the potential credit changes that could impact your refinanced mortgage.
Do what you can to accommodate your appraiser and lender: During this process, you may run into a couple issues â such as needing different paperwork or extra signatures. While life can get busy, do your best to make your appraisers and lenders liveâs easy. Doing so could speed up your process and earn you a better home loan in no time!
Refinancing your home takes time, but it can be well worth it in the long run. Getting a lower interest rate and a shorter term length could lessen your payments going towards interest. Use our app and our loan calculator to see what refinancing could do for your budget.
The post How Long Does It Take to Refinance a House (+ 5 Ways to Speed Up the Process) appeared first on MintLife Blog.
Is your basement currently the deep, dark abyss where holiday decorations and outdated furniture get lost? It doesnât have to be! Just because it is the bottom level of the house doesnât mean you canât make it a top priority on your home improvement to-do list. If youâre looking for a little inspiration on what to do with it, we have a few ideas.
For the Sports Lover
Transform your cold, dark digs into a space all sports fan could only dream of. Essentials youâll need for the ultimate basement transformation may include big screen TVâs, a pool table, comfortable recliners, sports memorabilia and your own personal mini fridge. Your space will turn into a game day oasis for friends and family.
For the Athlete
Two words: personal gym. Save yourself time and money on those pesky gym memberships and build your very own dream fitness center. No longer will you have dart for the only open treadmill during primetime hours or worry if the person before you cleaned the machines. By purchasing your favorite pieces of equipment that will last, you can save yourself almost $2,000 each year on fees.
For the Entertainer
Do you find your family constantly hosting for holidays or celebrations? Wow them with an at-home bar, built by you. Stock the shelves with your favorite beverages, snag some awesome bar stools and let the fun begin! Itâs the perfect place to direct everyone for an after dinner cocktail and some conversation. Just remember the rule of thumb, if youâre opting to build your own bar the average bar height is 42 inches to ensure that adults of all sizes can sit comfortably.
For the Artist
Always dreamed of having your own space to freely create masterpieces? Now is the time! Turn up the heat of your once cold and isolated basement with the warm hues of paints, pencils, and clays. Pick up some easels, fill the walls with things that inspire you and voila! Just keep in mind that because youâll be in the basement with little light, choose a bulb with a CRI of 80 to 100 to reveal vibrant, natural hues.
For the Bookworm
You typically only see it on TV, but some homes do have beautiful built-in libraries. Build out shelving all around your basement, fill it with your favorite stories and cozy up on your favorite vintage chair to unwind from life with a good book. Are you making your own shelves? Cherry wood has a rich and warm red color that deepens over time, making it a perfect selection for shelving meant to be seen. Fellow book lovers might envy what youâve done with your basement, and may even want to come browse your selections!
Donât let your basement go unnoticed. Say goodbye to those stored away boxes and bags and hello to your new favorite place in the house. Have another idea? Share it in the comments below for other readers to get inspired by!
The post What to do with Your Basement first appeared on Century 21Â®.
If you’re looking to buy a HUD home, the Hudhomestore website is the best place to do it. It can be found here at hudhomestore.com. HUD homes are listed for sale at the site.
While anyone can buy a HUD home, you will need to get approved for a loan first.
Just like buying a house through the conventional route, all financing options are available for HUD homes. That includes conventional loans, FHA loans, VA loans, etc.
However, most people used an FHA loan to buy a HUD home due to its low down payment and credit score requirements.
If you have questions beyond buying a HUD home at the hudhomestore website, consult a financial advisor.
What is the Hudhomestore?
The hudhomestore is a website operated by the U.S Department of Housing and Urban Development (HUD). The website can be found here at hudhomestore.com.
Homes are listed there for sale after they have gone through foreclosures. Real estate agents and/or brokers can place bids on your behalf to buy a house.
What is a HUD home?
A HUD home (usually a 1 to 4 unit) is a property owned by HUD. Before a home became a HUD home, it was owned by a homebuyer who had purchased the home with an FHA loan.
Once the borrower stopped paying his or her FHA loan, the home went to foreclosures. Then the home goes to HUD and becomes a HUD home.
Why you should buy a HUD home at the Hudhomestore?
The benefits of buying a HUD home are huge. The main benefit is that most of these homes are priced below market value.
In addition, if you’re an EMS personnel, police officer, firefighter, or teachers, and live in revitalized areas and plan to live there for at least 36 months, HUD’s Good Neighbor Program offers HUD homes at a 50% discount.
This program is listed at the hudhomestore website.
In addition, HUD offers other perks such as low down payment and sales allowances you can use to pay for moving, repair and closing costs. The low down payment, that is on top of the FHA financing that you may be qualified for.
Another huge benefit of buying a HUD home is that HUD gives preferences to buyers who intend to live in the home for at least one year. So this puts you ahead of investors.
Are you qualified to finance a HUD Home?
All financing options, including conventional loans, VA, and FHA loans, are available when it comes to buying a HUD home.
But FHA loans are very popular among first time home buyers, due to its low requirements. But before you start searching for HUD homes through the Hudhomestore website, you should compare multiple loan offers so you can the best mortgage rates.
FHA loan requirements:
580 Minimum score
3.5% down payment
If your credit score is below 580, you can still be qualified but you’ll have to pay at least 10% down. Or, you can always take time to raise your credit score.
Don’t know what your credit score is, visit CreditSesame.
Our Review of Credit Sesame.
Steps to buy a HUD Home at the HUDhomestore website:
HUD homes can be hard to find if you don’t know where to look. In other words, they are not listed on conventional real estate websites such as Zillow or Redfin.
Instead, they are listed at the HUDhomestore webiste, which can be found at hudhomestore.com. They also have HUD Homestore Mobile Apps.
Knowing these steps is important to mastering one of the best strategies to buy a house at below market or wholesale prices.
Step 1: Shop and compare home loans
Before you start searching your house through the hudhomestore site, it’s a good idea to
The worst thing that can happen is to find a house that you like to then realize that you cannot secure a home loan.
To get the best mortgage rates, you need toÂ compare multiple loan offers. Buying a home is major expense, and getting the best rates could save you a lot of money. I can spend a lot of time talking about why it is a bad idea to only speak with one mortgage lender.
But when it comes to having multiple loan offers, I highly suggestÂ LendingTree.
LendingTree is an online platform that connects you to several mortgage lenders without visiting a dozen bank branches.
LendingTree will provide youÂ up to 5 loan offers from multiple lenders for free, so you can compare and make sure you get the best deal.
So if youâre at this step right now, go andÂ compare current mortgage rates for free at LendingTree, and come back to this article.
Our LendingTree Review.
Step 2: Finding a HUD Home at the HUDhomestore website.
To find a HUD home, simply go to the hudhomestore website. It can be found at hudhomestore.com.
There are three ways to find HUD homes on the hudhomestore website. The first way is through a map.
Once you on the website, you will see a map to the right with all of the states listed there. You simply look for your state and click on it to see all of the available HUD homes.
The hudhomestore site will show you a list of all of the HUD homes available for that particular state. It will include the photo of the HUD home, the address, the asking price, etc.
If you click on the photo of the house, you will be able to see more information of the property, including more photos, street views and information of the property.
Another way to find a house through the hudhomestore website is by clicking on the HUD Special program links.
The hudhomestore site specifically lists three HUD Special Programs: Good Neighbor Next Door; Nonprofits; $1 Homes-Government Sales. It specifically states on the hudhomestore website that if you click on any of these special programs, you will see available properties.
The third way to find a HUD home via the hudhomestore site is through the Search Properties. At the middle of the homepage, you will see a Search Properties where you can enter more detailed criteria.
Step 3: Buy your HUD home
Once you have found your desired HUD Home at the hudhomestore, it’s time to buy your HUD home.
But note that HUD homes are sold through an auction process. When you’re searching for the property through the hudhomestore site, it will tell you a deadline by which to submit your offer.
So if the deadline has not passed, submit your bid. Once it has passed, HUD reviews all offers. Just like any auction, the highest bid wins. If all of the offers are too low, HUD will extend the offer period and/or lower the asking price.
Note that you will not be able to place the bid yourself. Only real estate agents need to register to place bids on the hudhomestore website. You will need to find a real estate agent or you can specifically search for HUD registered agents at hudhomestore.com.
For more information on buying a home through the hudhomestore website, visit www.hudhomestore.com.
More on Buying a Home:
How to Buy a House: A Complete Guide
How Long Does It Take To Buy A House?
Buying a Home for the First Time? Avoid These Mistakes.
10 First Time Home Buyer Mistakes to Avoid.
Work with the Right Financial Advisor
If you have additional questions beyond buying a HUD home at the Hudhomestore, you can talk to aÂ financial advisorÂ who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc).
So, find one who meets your needs withÂ SmartAssetâs free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals,Â get started now.
The post How to Buy a HUD Home at the Hudhomestore Website? appeared first on GrowthRapidly.
If you have federally held student loans, youâre getting a break on making payments â again.
On his first day in office, President Joe Biden signed an executive order directing the Education Department to extend its freeze on interest rates and payments for federally held student loans through Sept. 30, 2021.
Hereâs what you need to know.
What Is Student Loan Administrative Forbearance?
The pause on payments and interest accrual is an extension of the administrative forbearance that originated with the Coronavirus Aid, Relief, and Economic Security Act â aka the CARES Act â passed in March 2020 to address economic issues due to COVID-19.
Directed by emergency legislation designed, the Department of Education announced that all federally held student loans would be placed in administrative forbearance through Sept. 30, 2020. Interest rates were automatically set to 0% and all payments were suspended.
Then-President Donald Trump later signed an executive order to extend the administrative forbearance period until December 31, 2020, and the Secretary of Education extended those measures until Jan. 31, 2021.
Biden directed the extension yesterday amid a flurry of executive orders he signed on his first day in office.
What Loans Does This Legislation Cover?
The interest waiver covers all loans owned by the U.S. Department of Education, which includes Direct Loans, subsidized and unsubsidized Stafford loans, Parent and Graduate Plus loans and consolidation loans.
If you happen to have Federal Family Education Loans (FFEL) and Perkins loans held by the federal government, theyâre covered, too. But the vast majority of those loans are commercially held, which makes them ineligible for the benefit.
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What Does This Legislation Mean for My Student Loans?
There are four things to know about how administrative forbearance affects student loans through Sept. 30, 2021:
It suspends loan payments.
It stops collections on defaulted loans.
It sets the interest rates to 0%.
Each month of the suspension will count as a payment for the purpose of a loan forgiveness program.
Note that the suspension does not mean that the federal government is making your student loan payments for you â youâll just be free of making loan payments for eight months without accruing interest or incurring late fees during that period.
Biden did not, despite some hopes, forgive thousands of dollars in student loans in his initial executive orders. That request will need to go through Congress and faces opposition â which means if student loan balances are wiped out permanently, it wonât be for a while.
Here are five ways to know if you can benefit from the forbearance period.
Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Read her bio and other work here, then catch her on Twitter @TiffanyWendeln.
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.
Mortgage interest rates dropped dramatically over the summer, to the point where home loans have never been cheaper in most of our adult lifetimes. With rates at historic lows, you mightâve considered taking advantage of them, either by purchasing a new home or refinancing your current mortgage.
Recent figures from Freddie Mac show that mortgage refinances surged in the first quarter of 2020, with nearly $400 billion first home loans refinanced. However, as it turns out, refinancing your mortgage might actually be more expensive than purchasing a new home.
This surprised us, too â why would there be a difference at all?
We investigated how refinancing rates and new purchase home loan rates are set, and found several reasons for this rate disparity. On top of the rate difference, mortgage refinancing is even more difficult to qualify for, given the current economy.
Refinancing your existing mortgage can absolutely make sense in terms of interest savings, but donât rule out buying a new home instead.
Before rushing to refinance your home, read on to gather the information you need to make the right financial decision for your situation.
Pandemic Effects on Home Lending
Just as mortgage rates have stumbled, banks and lenders have tightened the screws on borrowers due to COVID-19, requiring higher credit scores and down payment amounts. Chase, for example, raised its minimum FICO score requirements for home purchases and refinances to 700 with a down payment requirement of at least 20%.
Low rates have also driven a massive move to mortgage refinances. According to the same Freddie Mac report, 42% of homeowners who refinanced did so at a higher loan amount so they could âcash out.â
Unfortunately, homeowners who want to refinance might face the same stringent loan requirements as those who are taking out a purchase loan. Mortgage refinance rates are also generally higher than home purchase rates for a handful of reasons, all of which can make refinancing considerably less appealing.
How Refinance Rates Are Priced
Although some lenders might not make it obvious that their refinance rates are higher, others make the higher prices for a home refinance clear. When you head to the mortgage section on the Wells Fargo website, for example, it lists rates for home purchases and refinances separately, with a .625 difference in rates for a thirty-year home loan.
There are a few reasons why big banks might charge higher rates to refinance, including:
Added Refinance Fees
In August of 2020, Fannie Mae and Freddie Mac announced it was tacking on a .5% fee on refinance mortgages starting on September 1. This fee will be assessed on cash-out refinances and no cash-out refinances. According to Freddie Mac, the new fee was introduced âas a result of risk management and loss forecasting precipitated by COVID-19 related economic and market uncertainty.â
By making refinancing more costly, lenders can taper the number of refinance loans they have to process, giving them more time to focus on purchase loans and other business.
Lenders Restraining New Application Volume
Demand for mortgage refinancing has been so high that some lenders are unable to handle all requests. Reluctant to add more employees to handle a surge that wonât last forever, many lenders are simply limiting the number of refinance applications they process, or setting additional terms that limit the number of loans that might qualify.
Also note that some lenders are prioritizing new purchase loans over mortgage refinance applications since new home buyers have deadlines to meet. With the housing market also on an upswing in many parts of the country, many major banks and lenders simply canât keep up.
Rate Locks Cost Money
Generally speaking, it costs lenders more to lock the rate for refinance loans when compared to purchase loans. This is leaving lenders disinterested in allocating resources on the recent surge in mortgage refinance applications.
This is especially true since many refinancers might lock in a rate with one provider but switch lenders and lock in a rate again if interest rates go down. Lenders exist to turn a profit, after all, and it makes sense they would spend their time on loans that provide the greatest return.
Tighter Requirements Due to COVID-19
According to the Brookings Institute, Fannie Mae and Freddie Mac have been asking lenders to make sure any disruption to a borrowerâs employment or income due to COVID-19 wonât impact their ability to repay their loan.
Many lenders are also increasing the minimum credit score borrowers must have while making other requirements harder to meet. As an example, U.S. Bank increased its minimum credit score requirement to 680 for mortgage customers, and it also implemented a maximum debt-to-income ratio of 50 percent.
This combination of factors can make it difficult to save as much money with a refinance, or to even find a lender thatâs willing to process your application. With this in mind, run the math and to see if refinancing is right for your situation before contacting a mortgage lender.
Related: The Best Mortgage Refinance Companies
How Mortgage Purchase Rates Are Priced
Mortgage purchase rates are priced using a similar method as refinance rates. When you apply for a home mortgage, the lender looks at factors like your credit score, your income, your down payment and your other debt to determine your eligibility.
The overall economy also plays a giant role in mortgage rates for home loans, including purchase loans and refinance loans. Mortgage rates tend to go up during periods of speedy economic growth, and they tend to drop during periods of slower economic growth. Meanwhile, inflation can also play a role. Low levels of inflation contribute to lower interest rates on mortgage loans and other financial products.
Mortgage lenders can also price their loans based on the amount of business they have coming in, and whether they have the capacity to process more loans. They might lower rates to drum up business or raise rates when theyâre at or nearing capacity. This is part of the reason rates can vary among lenders, and why it always makes sense to shop around for a home loan.
Many people believe that the Federal Reserve sets mortgage rates, but this is not exactly true. The Federal Reserve sets the federal funds rate, which lenders use to ensure they meet mandated cash reserve requirements. When the Fed raises this rate, banks have to pay more to borrow from one another, and these costs are often passed on to consumers. Likewise, costs can go down when the Fed lowers the federal funds rate, which can mean lower costs and interest rates for borrowers.
Related: What Are The Best Mortgage Rates Today?
The Bottom Line
Refinancing your existing mortgage can absolutely make sense in terms of interest savings, but donât rule out buying a new home instead. Buying a new home could help you save money on interest and get the space and the features you really want.
Remember, there are steps you can take to become a more attractive borrower whether you choose to refinance or invest in a new place. You canât control the economy or the Federal Reserve, but you have control over your personal finances.
Improving your credit score right away, and paying down debt to lower your debt-to-income ratio are just a couple of strategies to start. And if youâre planning on buying a new home, make sure you save a hefty down payment amount. These steps help you improve your chances at getting the best rates and terms whether you choose to move or stick with the home you have.
Keep Reading: Steps to Take Before Refinancing Your House
The post Why Refinance Rates Are Higher Than Purchase Loan Rates appeared first on Good Financial CentsÂ®.
AÂ healthÂ insuranceÂ policyÂ is essential for anyone seeking to safeguard their future and avoid the catastrophic consequences of high medical bills. Whether you’re buying coverage for yourself or aÂ health planÂ for your family, it’s important to get complete coverage. But despite this fact, millions of Americans remain uninsured, often because they believe one of the followingÂ health insuranceÂ myths.
Myth 1: I’m Young and Healthy; I Don’t NeedÂ Health Insurance
You’re never too young to start shopping forÂ health insuranceÂ plansÂ because you don’t know what’s around the corner.Â Medical expensesÂ can be astronomical at any age and anyone can have an accident, fall ill or be diagnosed with a serious disease.Â
It’s not pleasant to think about and many people prefer to bury their heads in the sand and live as if they are invincible, but they’re not. No one is.
Health careÂ is very expensive in the United States, there’s no escaping that fact. This is one of the few developed nations in the world where being the victim of an accident or attack could lead to insurmountableÂ medical expensesÂ and essentially ruin your life. You can’t rely on luck and you can’t assume you’ll be safe just because you’re young, fit, and healthy.
In fact, buying at this young age has many benefits, including the fact that you’ll likely clear all exclusion periods by the time you actually need to start claiming.
Myth 2: The Benefits are Lost if I Don’t Renew by the Due Date
You should always try to pay yourÂ monthly premiumÂ on time, thus avoiding any issues and ensuring you are covered at all times. However, yourÂ healthÂ insuranceÂ coverageÂ does not end the minute you miss a payment.
Insurance companiesÂ have a grace period, during which time your policy will remain active. This period allows you to gather the funds needed and to pay your monthly premium, thus keeping your policy active.Â
Typically, this grace period lasts for between 7 and 15 days, but it differs from provider to provider. Check your policy for more details but try to avoid playing fast and loose with your payments as they could be the only thing protecting you.
Myth 3: It’s All About the Deductible
The deductible is the amount of money you pay before theÂ healthÂ insuranceÂ policyÂ takes over and to many consumers, it is the single most important part of anyÂ healthÂ insuranceÂ policy. However, while it is important to consider the deductible, you should not choose your policies based solely on which one has the lowest deductible.
Look for the sort of cover that they provide and whether this will suit your needs or not, and then focus on the deductible.Â
It’s also important to find the right balance between a deductible that is cheap enough for you to afford when the time comes, but is not so cheap that it sends the premiums through the roof. To do this, avoid focusing on how much your first monthly payment will cost and ask yourself what you would do if you had to pay for aÂ medical expenseÂ today.
Would you have an issue paying the deductible? Would it require you to borrow money from friends or family? If so, it’s too high and it’s time to go back to the drawing board.
Myth 4: I Have Insurance fromÂ My EmployerÂ so I Don’t Need any Additional Cover
If your employer offers any kind of groupÂ health insuranceÂ cover, take it, but don’t assume that it will cover you for everything you need. Read the small print, look for gaps, and seek to fill those gaps with your own cover.
With your own policy, you’ll also be protected if you lose your life. If anything happens in the time it takes you to find a new job, you could be left to foot the bill, making this an even scarier and more stressful time. But if you’re covered, you can take your time as you search for a suitable role.
Myth 5: It’s Not a Pre-Existing Condition if I Didn’t Know About it
If you have any pre-existingÂ medical conditions you will be subject to an exclusion period, one that may last for up to 48 months. During this time, yourÂ insurance companyÂ will notÂ pay outÂ for any issues related to this condition and contrary to popular belief, not knowing about the condition is not enough to avoid this exclusion period.
If, somehow, it is proven that you had aÂ medical conditionÂ that was simply not discovered at the time you applied, it will still be subject to an exclusion period. The good news, however, is that you can no longer be refused because of pre-existingÂ medical conditions, which means that everyone can benefit fromÂ health insurance.
Myth 6: I Don’t NeedÂ Health InsuranceÂ If I Have aÂ Life InsuranceÂ Plan
AÂ lifeÂ insuranceÂ policyÂ can cover you for critical illness, which could be used to coverÂ health careÂ costs. You can also purchase accident and dismemberment insurance to cover you in the event you lose a limb. However,Â life insuranceÂ is designed toÂ pay outÂ a death benefit when you die. It goes to yourÂ loved ones, not you, and is therefore not a viable replacement forÂ health insurance.
For complete cover, you should look into getting bothÂ life insuranceÂ andÂ health insurance. You can findÂ low-costÂ options for both.
Summary:Â Common MythsÂ Debunked
If you don’t have anyÂ healthÂ insuranceÂ coverage, it’s time to change that and start looking for coverage today. Take a look at our guide to choosing aÂ health planÂ to get started. We also have guides on everything fromÂ life insuranceÂ (termÂ life insurance, wholeÂ life insurance, and otherÂ lifeÂ insuranceÂ coverage)Â car insuranceÂ and pretty much all otherÂ insurance products.
By purchasing all of these together you could even save some money while getting essential coverage! Just remember to do your research, plan ahead, and never settle for less than you need as you may live to regret it in the future.
Health Insurance Myths Debunked is a post from Pocket Your Dollars.