Posts Tagged "personal insurance"

Save Money with Home Insurance Credits

Do you own a home? If so, you probably pay for homeowners insurance. It’s likely your mortgage lender required you to show proof of coverage before you closed on your loan. And if you’re among the lucky Americans who own their homes outright, you may still have insurance to protect your investment in case of damage caused by fire and wind, property theft or liability lawsuits. You may even be aware that you can cut your premiums by installing and maintaining smoke detectors and security systems as well as insuring your vehicles through the same company. But do you know about the...

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The Dangers of Poor Sleep

We all have the occasional night where we just can’t manage to fall asleep or stay asleep long enough to feel rested. However, according to the Centers for Disease Control and Prevention (CDC), insufficient sleep is rapidly becoming a public health epidemic, with lack of quality slumber linked to motor vehicle crashes, industrial disasters and medical errors as well as a number of chronic diseases. In fact, the National Sleep Foundation reports that 20 percent of American adults show signs of chronic sleep deprivation including decreased performance and alertness as well as memory...

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Steps to Take After an Auto Accident

Automobile accidents on America’s busy roadways—from minor fender-benders to fatal pile-ups—are more common than you may imagine. According to data from the National Highway Traffic Safety Administration, 9,387,000 passenger vehicles were involved in police-reported traffic crashes in 2012. More than 35,000 of these vehicles were involved in fatal crashes, 21,667 occupants lost their lives, and 2.09 million were injured. While auto accidents are always stressful, it’s important to remain calm and take the necessary steps to ensure injured parties receive medical...

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Defend Your Home Against Burglaries and Home Invasions

If you were anywhere near a television in June of 2013, you likely saw this graphic video of a horrifying New Jersey home invasion broadcast repeatedly on national news programs. It’s the stuff of nightmares, and unfortunately, according to the FBI, these violent break-ins—and less violent burglaries—are not as uncommon as you may think. Nearly 50,000 “robberies within residences” occurred in 2011. That’s a rate of nearly 137 per day. Fortunately, there are steps you can take to defend your home against these types of attacks. In most cases, both violent...

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Have You Cosigned Student Loans?

If amassing the largest quantity of college debt is a contest, it appears that the Class of 2014 has won. According to one analysis of government data, the average graduating college student this year had $33,000 in student loans. After adjusting for inflation, that’s nearly twice the amount students borrowed two decades ago. And parents who cosigned loans for their children may be on the hook for it. Not all students are eligible for federal financial aid in the form of subsidized college loans. Some have to turn to private loans for all—or at least a portion—of their...

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