Harib Shaqsy

Property And Casualty Insurance

Insurance is an excellent form of risk management to protect your assets either by covering the costs of damage or replacement or by covering you for any liability as a result of unforeseen events. However, most people are unaware of the different types of insurance policies available and they end up paying significantly more than they should. Looking at property and casualty insurance, it can be difficult to understand the difference between the two because they often overlap. Property Insurance Property insurance is not solely made up of home insurance policies as you may believe. This type of insurance covers damages to all forms of property that are the result of theft, fire or weather damage. Fire insurance, flood insurance...

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Private Party Auto Loans – Your Way Of Getting A Car

When the time comes to find a great used car, you are often better off skipping the dealerships and just looking to friends, relatives or the classifieds to find the best deal. In most cases you will get more car for less money when you buy from a private party. When a dealer gets a car as a trade in they have to put money into it before they can resell it, that's why you'll pay more for the same used car from a dealer than you would if you bought it directly from the previous owner. Since even a used car will cost more than most people can pay up front, private party auto loans might be a necessary...

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Prevent Home Equity Loan Foreclosure – Tips For Avoiding

Home equity loan foreclosure cases are part of the overall foreclosure happenings that have been on the rise since the housing market collapse a couple of years ago. Home equity loans (HELs) are often used for home improvements or other expenses for the home. The loan can be at a fixed or variable rate and it is secured by a mortgage lien. So what happens when you have a home equity loan which is, as previously stated, secured by your home, and you foreclose on your home. You will most likely still be responsible for the loan that you have taken out. Obviously, your home can no longer be used as collateral for the loan, but you will then have...

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Personal Money Management Software Puts You In Control

For many of us, we are oblivious to some of our own spending habits. We tend to spend without much thought or planning and that can lead to a lot of financial problems. In order to gain control over their spending and finances, many people have chosen to use personal money management software. This can be a simple way to automate your household budget to identify, and close, any weak areas of your financial picture. In order to find the right software for you and your needs you'll need to do a little research. Find a few programs that offer you the features you need. For most people a simple system that can help them track their household spending habits...

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Personal Financial Planning – A Guide For Your Journey

Personal financial planning is a process where you will take control of your finances, this can include learning more about and being more involved in all aspects of your finances such as retirement savings, how to handle credit, tax issues, investments and savings. You can hire someone to assist you or you can do it yourself with the assistance of a software product. The point is that the more hands on you are, the better your plan will be. Remember, no one will care about your money and your future as much as you do. There are some simple things you can start doing right away that will help you get a better idea of what your financial situation is...

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Personal Budget Spreadsheet – How To Guide

The easiest way to get a handle on your finances is to be able to see everything all laid out in black and white. For that reason, making your own personal budget spreadsheet is a great place to start. You have many options when it comes to developing your spreadsheet, it can be as simple or as complex as you want, but you really don't need to get too carried away. Here are some things that you need to have to make your spreadsheet effective. For one thing, in most cases, you will be better off working on a budget on a monthly basis rather than a yearly basis. There are too many things that can come up over the...

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Personal Budget Planner – Put It To Work For You

Having a personal budget planner is an integral part of your overall financial health. It's vital that you know exactly where you stand financially: how much debt you have, what assets you have, etc. These factors will give you a better idea of how to plan for retirement, college, a new home or car, etc. You don't need to hire an expensive financial planner or run out and buy the latest planning software, all you really need is a little time and some paper and a pencil. The first thing you will need to do is gather all your financial information. Include your pay stubs to get an accurate idea of exactly how much you bring in monthly, include any...

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Personal Budgets – 5 Tips To Follow

With all the upheaval that's been going on in our economy, more and more people are determined to get their finances under control once and for all. For most people the first step is to make realistic personal budgets. While it isn't hard, there are several things you will need to keep in mind when you go through this process. Here are some ideas to get you started on your budget: 1. Set aside a block of time and a quiet place to work. Gather all your bills such as utility, grocery, insurance, and loans. Also gather up your latest check stubs (include the check stubs from your spouse too if they have one). If your check amount varies quite...

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Permanent Term Life Insurance – Get Real

There is no such thing as permanent term life insurance. You either buy permanent life insurance or you buy term life insurance. Term life insurance is not permanent because a term is set at the time you buy it starting at ten years and going on up to thirty years. At the end of the term you will have to reapply for a new policy. Permanent life insurance has no set term to it and you pay a higher premium. Permanent life insurance also has the option of a cash value aspect to it. So a permanent life insurance policy is more of an investment than a term life insurance policy. The number one reason people buy life insurance is...

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Risk Free Investing – Is There Such An Animal

For anyone who wants to get their financial house in order and is considering dipping their toes in the stock market, one of the first things they might want to know is what types of risk free investing are available? In order to balance your portfolio, and minimize your risk, many experts recommend a combination of stocks and bonds. It's almost universally true that the stocks with the highest potential return are also the highest risk and bonds which have a much lower risk factor will provide a much lower return on investment. It is necessary to balance these two facts when trying decide which way you should go with your investments. Owning a stock in a particular company is...

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