Archives for April 2013

What to Expect From Group Coverage After Health Reform

Over the past few months, several health insurance giants have warned consumers and brokers of the premium rate increases to come with the onset of health reform in 2014. However, this aspect of the Affordable Care Act only applies to individual coverage and not employer-sponsored plans. As much of the law focuses on individual and small group market changes, those receiving coverage from their … [Read more...]

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How a VA Streamline Refinance Works

How does the VA streamline refinance process work? We'll discuss the major steps to expect and what is involved in each of them. 1. The borrower must find a Veteran's Affairs approved lender. Veteran's Affairs has a list of approved lenders who can offer the VA streamline refinance loan. No one else is eligible to offer loans under this program. 2. Determine eligibility of the … [Read more...]

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Injured? Why You Should Consider a Structured Settlement

If the court has awarded you a large sum for an injury as the result of a lawsuit, one thing you should consider is a structured settlement. These arrangements can have major tax advantages, but it is important to consider the pros and cons to decide if it is right for you. A structured settlement is an installment payment plan, which divides your settlement into payments over time instead of a … [Read more...]

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10 Worst Credit Card Mistakes

Using credit cards can be simple for some but first time holders might be confused on how to utilize them for their advantage. There are still some who find it hard to control their finances and are always indebted for some period of time. To guide the users, here is a list of the 10 common credit card pitfalls being encountered by many users: Paying late. This can be the biggest mistake one … [Read more...]

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Do Prepaid Credit Cards Build Credit?

One of the most common questions being asked today is: do pre paid credit cards build credit? The simple answer is yes it does help individuals pull up their credit rating. However, there are usually underlying factors to consider in situations like this, making it crucial for individuals to be fully aware of their credit situation. What are prepaid credit cards? Prepaid credit cards are … [Read more...]

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Creating an Umbrella of Financial Security

You know what they say, when it rains, it pours, especially when talking about unexpected expenses. There are certain times in your life when your bank account seems to crash down around you. The kids are telling you that their teacher is requiring them to buy an expensive art set. At the same time, your wife gets a flat tire in the middle of nowhere, meaning you have to pay for a new tire. On … [Read more...]

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Financial Planning & Your Auto Insurance

One of the most common mistakes that people make when planning for their financial future is not purchasing adequate insurance coverage. People often obsess about their investments and debt obligations, but forget that one catastrophic event could completely wipe out any financial plan that may have taken years to create. Insurance coverage for your most important assets is crucially important … [Read more...]

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The Differences Between IP Telephony and Voice Over IP

Most people use the term "IP telephony" interchangeably with "voice over IP", but do these terms really have similar meaning? Internet Protocol telephony or Internet telephony as it is commonly known is a form of communication. It involves use of digital phone systems or technologies which are based on a set of Internet standards and which use the Internet Protocol's packet-switched connections … [Read more...]

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