3 Tips to Find the Cheapest Health Insurance Rates

Health insurance rates change so very often that it is tough to keep a tab on them. It is also very important for you to have the right coverage or you will find yourself being turned down for a treatment you might need someday. Accidents happen anytime, and one will never know when he or she will get sick. If one is unemployed, then finding an affordable health care insurance will help pay for unexpected medical bills. This kind of scenario has caused a dilemma for many people. A limited source of income inhibits them from being able to pay their monthly premium rates. It will be a big relief when one finds affordable health insurance. One of the best ways to use is the internet. There are countless websites that offer information and tips on health insurance rates. They even provid...

What are Umbrella Policies: The Benefits to You & How They Can Protect You

Umbrella policies, if you have no idea what these are then it can sound like rules for storing your umbrella. But this is not quite what umbrella policies are, and you should know what they are as they can indeed protect you. This is why today I’ll tell you everything you need to know about umbrella policies and how they can be useful to you. What are umbrella policies? Before we can start talking about the benefit of umbrella policies you need to understand what umbrella policies are. Umbrella policies are a form of insurance, which is why it makes sense that they can protect you. Umbrella insurance is not a separate kind of insurance, and it is definitely not an insurance that will ensure your umbrella. No, it’s none of that, umbrella policies are a kind of policy that is added

What Is An Insurance Premium – And What Is An Insurance Deductible?

When you first start getting your own insurances then you’ll be sure to come across the term Insurance premium, which is a term that you may have never heard of before. Such another term is insurance deductible, which can also sound like a lot of complicated financial information. Of course, you understand that you need to pay for your insurance, but it can be a little hard to know what actually you’re paying and what you’re paying for. If you want to have this clarified then you should definitely read this article where we’ll be going through the definition of insurance premium and insurance deductible. What is insurance premium? An insurance premium is actually quite simple, in short, it’s the amount of money that you need to pay for your insurance each month or year. The insurance

How Not to Overspend on Christmas Gifts

If you’re feeling the pressure to overspend this holiday season, you’re not alone. Nearly half (45 percent) of Americans say they’ve felt they had to spend more money on holiday gifts than what they’re comfortable with, a new survey from Bankrate found. Those who feel most pressured to overdo it are parents, women, and millennials, the study found. However, parents and women are more likely to use coupons and shop around to save money, while millennials are more apt to give homemade gifts. If the holidays are making you feel more maxed out than merry, try these five tips for keeping your holiday spending under wraps. Suggest a Secret Santa As your family grows, so you can your gift list. If you find yourself buying ten or more gifts for everyone from your parents to your siblin

Can a Collection Agency Sue You?

Many people think they have no obligation to pay a third-party collection agency. After all, it’s not the original company you created the debt with. Once you default on the original credit agreement and the business sells the debt to a collection agency, that agency has the right to collect on that debt - assuming the collector operates legally. A collection agency may even be able to sue you for an outstanding balance. Some debts become time-barred after a certain amount of time. This time period, known as the statute of limitations, depends on the type of debt you have and varies by state. For the majority of debts, the time period ranges from three to six years. Once a debt is time-barred, it’s no longer legally enforceable. There are some things you can do to revive the debt and re

How World War II Changed America’s Economy

World War II was the deadliest military conflict in history. It lasted from 1939 to 1945 and involved 30 countries from every part of the globe. World War II killed around 70 million people or 4 percent of the world's population. Historians argue over the exact numbers, so most of the following figures are from "The Fallen of World War II." It's more than the deaths incurred for all wars since then combined. Casualties In Europe, the war killed 40 million people. Roughly half were soldiers and half civilians; for a more detailed breakdown consult the chart below. The Soviet Union took the biggest hit with 20 million killed. Six million German soldiers directly killed 11 million soldiers and 7 million civilians. Another almost 3.5 million Soviet prisoners of war died in German slav...