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If Cars Drive Themselves, What Does That Mean for Car Insurance?

Imagine it’s 2025. You’re phoning through the morning headlines while your autonomous vehicle navigates your 10-mile commute. Another self-driving vehicle owner is Snapchatting away in an oncoming lane, oblivious as you are. Wham. The two cars collide on an icy intersection. Who’s at fault? Most industry analysts say it’s the vehicle manufacturer, or possibly one of the technology companies that developed the various automated driving or safety features built into the car. In fact, in 2015, Google, Mercedes-Benz and Volvo all agreed to accept liability for accidents that occur when one of their vehicles is in autonomous mode. Taking Control…

College and Insurance: Insurance Entrance Exam for Kids on College Campuses

If you have a child living away at college, you’ve probably been through an extensive checklist in getting him or her prepared and moved to campus for the fall semester. Amid the flurry of planning and packing, have you thought about college and insurance? Although still your dependent, your child living away from home may have additional insurance needs to protect their belongings and their well-being. Consider these areas: Auto Insurance Fewer than half of college students have cars on campus, so if your child doesn’t have wheels, let your carrier know. Your student may be eligible for a “distant…

How To Choose Your Next Credit Card

Credit cards can be a powerful tool or a horrible crutch for your personal finances. To enjoy success with credit cards, account holders have to juggle balances, due dates, minimum payments, interest rates, and other aspects of the account. When managed poorly, credit cards can lower your credit score and lead to thousands of dollars in interest. But when used responsibly, they can improve your credit score while offering valuable rewards like cash back and free travel. Decide if Credit Cards are Right for You Before you worry about which credit card is best, look at your finances and try…

New Year’s Resolutions Busted? Shift Your Mindset for Success

Did you make up your mind that this was going to be the year you achieved all of your New Year’s Resolutions? If you are still committed to those goals, you have a reason to celebrate! Results from a University of Scranton study show that almost 50 percent of people give up on their resolutions by the end of March. And less than 10 percent of people actually meet their goals. Maybe we should just enjoy our New Year’s celebrations and skip making resolutions in the first place? Follow-up research revealed that after six months, people who make resolutions are…

5 Important Money Lessons From Video Games

We get it. Personal finance can be a dry topic but financial savvy is important in achieving financial independence.  So if you are ready for a long nap when the talk of money or personal finance arises, you’ll be thrilled to know that video games have added an element of adventure and action to your personal accounting activities. What types of finance lessons can be learned from games today?  Lessons on how to manage money, business strategy, and other life and personal finance are just a few examples. So, the next time you pick up a video game for your…

Everyone Needs To Know These Common Paycheck Deductions for Taxes and Insurance

Guess what? You’ve got three extra days to figure out your paycheck deductions and file your tax returns this year. Yup. Due to some magic in the calendar and “Emancipation Day”, tax day is Tuesday, April 18th. Taxes fund our military, the roads we travel on, they help support firefighters and law enforcement, along with myriad other benefits that we may take for granted.  Knowing that your hard earned money supports law enforcement and their family may make you feel good, but it doesn’t change the fact that you may still cringe from time to time when we see how much…

The Starter Guide: Truths About Financial Advisors Everyone Should Know

As your finances become more complicated over time, it is common to need a little extra help managing your monthly cash flow, tending to various investments, and preparing for retirement. Schools do not teach about money, so there is no surprise that people just like you need regular help managing their money. If you think finding a financial advisor might be right for you, follow this guide to understand the many aspects of this important decision. Interview Several Financial Advisors At the start, you should plan to speak with multiple advisors before you pick the right one. You shouldn’t blindly…

12 Savvy Solutions to Taming Your Vacation Budget

If you’re lucky, you’re reading this article on an island while rubbing on sunscreen and mulling over another strawberry daiquiri.  Most likely, you’re reading this in your living room, checking your Facebook page and wondering if a medium latte is really worth that extra 83 cents. Everyone deserves a vacation ―and you don’t have to break the bank to do it. The trick to sticking to and taming a vacation budget is to know how to make the most of your vacation dollars. If you’re trying to sneak in that much-needed vacation within the next few weeks, chances are your…

Financial Freedom: 4 Strategies to Be Debt Free in 2017

Will this be the year you experience debt freedom?  If you have debt, you probably made a New Year’s Resolution this year to work hard to get your debt under control. Think how wonderful it will be.  No more calls from creditors. Debt comes in many shapes and sizes so whether your debt is from credit cards, student loans, or anything else, these 4 strategies will help you tackle your debt and get it controlled once and for all. The Debt Avalanche The best way to get out of debt, according to math, is a strategy known as the “debt…

Life Insurance: Living on the Edge Can Cost You

When it comes to your life insurance, living on the edge can cost you. In 2004, “Along Came Polly” starring Ben Stiller, was in theaters. Ben played  Reuben, a high-strung, by-the-book risk management analyst? One of Rueben’s  biggest clients constantly participated in high-risk hobbies.  Because Reuben assessed risk for a living, these hobbies made him sweat bullets. He understood, the higher the risk, the less likely there was going to be a policy that would protect his client. High-Risk Hobbies What you may deem as regular recreational activities or bucket list agendas may signal a red flag to life insurance companies…

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