by Richard F. O’Boyle, Jr., LUTCF, MBA As another year winds down – and another begins – it behooves us to take a look at our current retirement plans and make necessary adjustments.Retirement Plan Contributions for 2013You may have limited time to maximize your retirement plan contributions for the tax year 2013. Most people can stash money into traditional IRAs and Roth IRAs as late as April 15, 2014 (for tax year 2013), but some plans have to be filled before December 31, 2013.The annual limit for traditional IRAs and Roth IRAs is $5,500 for...
2013/12/08
2013/07/29
4:12 AM
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Home insurers and the government have stepped back from crisis talks over cover for homes and businesses in flood risk areas.
Millions of properties are facing higher insurance premiums as negotiations have broken down.
Owen Paterson, the minister leading the government side of the talks, has announced no legislation is expected for about a year.
The row between insurers and the government is over a ‘statement if principles’ that ends in June...
4:06 AM
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As a homeowner having adequate insurance in place should be high on the list of priorities, but unfortunately not everyone feels the same way. Last year a report found that almost 3.5 million UK homeowners don’t have sufficient cover – 1 in 10 had either buildings or contents insurance, not both, whilst almost 650,000 had no form of insurance whatsoever. This is something that needs to change, and in case you’re one of the few that don’t see the...
2013/07/27
1:17 AM
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Top 10 Ways to Get Affordable Health Insurance With No Job or Little Money
Affordable Health Care for You !!
The statistics are startling when it comes to the outrageous uninsured Americans and the numbers keep getting bigger. But what do you do when you don't have a job and can't get affordable individual or family health insurance from an employer? Or, what about all the families that have jobs but still cannot afford the health insurance offered...
12:27 AM
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5 Basic Exclusions in Your Property Insurance Policy
Property Insurance
Keeping your personal property safe is important. Property insurance coverage protects your property against many risks. But have you thought about the exclusions in your property insurance policy?
Every property insurance policy has exclusions. It is important to realize that exclusions can be different depending on your particular property insurance coverage and what...
2013/06/16
12:57 AM
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Pet insurance is a popular choice now for many pet owners. Knowing what is covered in your pet insurance policy is important but knowing what is usually excluded is just as important.
Getting the Right Pet Insurance Policy
Taking the time to understand your particular pet insurance policy is key in getting the right policy for your pet. Companies are different in what they cover and exclude so make sure you get as much information as you can...
2013/06/04
12:15 AM
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5 Steps to Filing Your Auto Insurance Claim
1. Evaluate whether or not you should file an insurance claim: Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask...
2013/05/08
10:14 PM
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Despite newly insured people being added to the system, American healthcare inflation is expected to fall to 6.5% in 2014, says a new report by the Health Research Institute, part of PricewaterhouseCoopers LLP.
Healthcare inflation in 2014 will drop even lower than this year "Defying historical patterns", the authors wrote.
Continued downward pressure is expected for the health sector, mainly because of aggressive and creative steps taken by...
2013/04/28
8:37 PM
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You may be young and healthy now but you could be diagnosed with a serious illness tomorrow. What then? Perhaps you've planned and saved well for your retirement and children's education, but in one clean sweep the money disappears. Treating serious medical ailments burns holes in our savings- thus the need for medical insurance is the only way to deal with huge medical bills.
"Even if you have a general understanding of terms, they could...
2013/03/05
8:27 PM
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IN the event of a minor road accident, the first thing drivers tend to do is to
get out of their cars and start playing the 'blame game'. It doesn't matter if the
accident was clearly caused by one party, everyone involved will insist that they
are free of blame for fear of losing their no-claim-discount (NCD).
"Owners who enjoy tinkering with their car engines and modifying the power
or performance need to disclose this...
2013/02/20
8:26 AM
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One of the most bandied about terms in the insurance industry is the ever mutable concept of "risk". Risk assessment is a core component of how insurance brokers determine coverage and premiums for their clients, understanding the client's history, expectations of coverage, and liabilities in providing an insurance package while still remaining profitable.
However on the consumer side of the insurance industry, risk has been transposed to mean...
2013/01/16
7:04 AM
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In the last decade there have been many important changes in Insurance Claim Management that have improved predictability, the integration of data and added the convenience of mobility to increase processing speed. In fact, the industry has experienced far too many changes to attempt to enumerate them in a single post. Four of the most significant transformations include:
1. The optimization of processes achieved through integrated systems makes...
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