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5 Signs of Life Insurance Scams and How to Avoid Them
Life insurance keeps your loved ones financially secure after your death by providing coverage for funeral expenses, college, mortgage payments and more. It’s supposed to provide security — but life insurance scams do exactly the opposite. Life insurance scammers prey on people to steal their money and personal...
Types of Long-Term Care Facilities
Long-term care (LTC) is a combination of supportive services to help elderly and disabled individuals who are unable to fully care for themselves. It includes physical, emotional, social and medical support for individuals who cannot independently perform the essential activities of daily living. Services range from assistance with basic needs such as bathing to more complex medical services and supervision. Some people opt to receive care in their own homes, while others choose to move into a long-term care facility.
What Is an Uber Background Check?
Whether you want to drive with Uber or deliver for Uber Eats, you must consent to and pass an Uber background check. According to the company, this screening process must happen before you start your first trip. Depending on what the background check report says, Uber will either approve or reject your application.
What Is a Life Insurance Beneficiary?
Buying a life insurance policy requires you to make several decisions, including the coverage type. As you compare your options, you must decide what type of life insurance to purchase and whom to name as your beneficiaries. A life insurance beneficiary receives the payout of your policy when you die.
Can You Take Out a Life Insurance Policy on Anyone?
Life insurance provides financial security by offsetting at least some of the financial costs left unaddressed when someone dies. Policies you purchase typically cover your own life. But you might want to consider taking out a policy on the life of someone else – a family member, perhaps, or a business partner whose death would deal a financial setback to you or your family.
Veterans First VA Loans Review
Veterans First was established in 1996 to assist veterans and their families in achieving financial stability. Over time, Veterans First has grown significantly, affirming its position as a reliable provider of VA loans — home loans guaranteed by the Department of Veterans Affairs that are designed to benefit veterans and active service members.
Car Insurance for College Students: 3 Ways to Save Money
If you’re sending a kid to college with a car this fall, their auto-insurance coverage probably isn't top of mind, given the high price of tuition and room and board, alongside rising interest rates on student loans. Yet with car insurance premiums soaring this year — not to mention higher costs on day-to-day necessities — it’s more important than ever to review your policy to make sure you’re not overpaying to insure a car at college.
Many Savers Are Calculating Retirement Goals 'Off the Top of Their Head'
When calculating how much money they’ll need to save for retirement, many people appear to be guessing. A new report from data firm Escalent suggests the most common way folks set retirement savings goals is simply by doing the math “off the top of their head,” according to survey responses from about 4,000 savers participating in a retirement plan.
5 Ways a Government Shutdown Could Affect Your Money
It’s not deja vu. The U.S. is again barreling toward a self-imposed financial crisis as lawmakers are gridlocked over a spending package to keep the federal government fully operational. Congress has until midnight Sept. 30 to pass a spending deal and get it to President Joe Biden’s desk for...
This Investing Strategy Could Be the Key to a Better Lifestyle in Retirement
Blending doesn’t just make for a tasty smoothie — it can also lead to a better lifestyle in retirement, according to a new study. In retirement, some people choose to have blended income, or a combination of investments like 401(K)s and fixed annuities, which provide a guaranteed income stream in retirement. Investment bank Goldman Sachs’ annual retirement report found that retirees who adopted a blended income strategy tended to be more satisfied with their income.
What Is a Balloon Mortgage?
Mortgages are necessary for most people looking to buy a home. With so many options available, it isn't unreasonable to be confused while looking for the right loan, especially if you’re a first-time homebuyer. Those wondering what a balloon mortgage is will find it differs from your traditional loan type but can work well in some situations.
5 Steps to Take Now to Get Ready for the Return of Student Loan Bills
The last time Americans had to pay their federal student loans, Prince Harry and Meghan Markle had just left the royal family, Ted Lasso hadn’t premiered yet, and the idea that Bennifer could reunite was downright laughable. As the pandemic took hold of the United States in March 2020,...
Here's How to Get 4 More Free COVID-19 Tests From the Government
The federal government is once again distributing free COVID-19 tests from its stockpile, opening access for Americans to order four more kits at no cost. Ordering for this iteration of COVID-19 test distribution opens on Sept. 25, and the U.S. Postal Service will start shipping the free tests in early October, the Department of Health and Human Services (HHS) announced Wednesday.
College Tuition Payment Plans Can Stick Students With Exorbitant Fees: Report
One method of paying tuition bills meant to help limit loan borrowing can actually end up sticking college students with exorbitant penalties and fees that can quickly cause financial hardship, a blistering government report found. The Consumer Financial Protection Bureau (CFPB) identified a number of flaws and risks with college...
Everything You Should Know About Life Insurance With Living Benefits
Life insurance coverage is a security net that provides monetary benefits and gives you the peace of mind of knowing your loved ones will have financial assistance after you’re gone. However, most people overlook the importance of life insurance with living benefits. These features add a new layer of value to traditional life insurance policies.
Truist Mortgage Refinance Review
In 2019, SunTrust, Inc. merged with the Branch Banking and Trust (BB&T) Corporation to become Truist Financial Corporation. Today, Truist Bank offers a comprehensive suite of financial products, including mortgage refinance loans. Homeowners can restructure their current mortgage through a mortgage refinance loan. This type of loan is popular with...
Can You Pay a Mortgage With a Credit Card?
A mortgage is one of the largest monthly expenses households must manage. If you find yourself struggling financially, putting your mortgage on your credit card may seem like an appealing option. But can you pay a mortgage with a credit card? And how do you go about doing so?. Paying...
When and Why Do Gold Prices Plummet
Money is not a client of any investment adviser featured on this page. The information provided on this page is for educational purposes only and is not intended as investment advice. Money does not offer advisory services. Gold's lengthy history as a currency and store of value sets it apart...
Retirees Are Heading Back to Work, and It Could Affect Their Social Security Benefits
Workers may fantasize about the day they can trade their office chair for a beach lounger, but a new study may make them rethink whether they want to fully retire at all. Millions of retirees returned to the workforce after COVID-19’s mass retirement surge — and not necessarily for the money, according to a report from investment management firm T. Rowe Price. In a survey that included roughly 1,100 retirees, researchers found that about 20% are working either full- or part-time, a decision that they say benefits them more than just financially.
CVV Codes: What Are They and Why Are They Important?
You don’t have to become a victim of identity theft. LifeLock’s powerful software protects your personal information from cybercriminals. Credit card numbers can be easily stolen by hackers. That’s why, in addition to providing your account number when you make an online or telephone purchase, you’ll also be asked to provide a three- or four-digit verification code known as a CVV number. Let’s take a look at how CVV numbers function as a security feature and why it’s important to protect these sensitive bits of code.
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