July 16, 2016
1. Figure out whether you need life insurance. Not everyone does. You may not need it if you do not have a spouse or young children or if you have saved enough to provide for your loved ones. But if you have people who depend on you financially and who would struggle without your income, life insurance can be a good solution.
2. Understand how long your disability insurance will pay out. Some employers only offer short-term disability insurance, which replaces part of your income for three to six months following a disability. Unless you also have long-term disability insurance or other resources to see you through several years of being unable to work, consider purchasing a long-term disability insurance policy that kicks in after the payouts from the short-term policy stop.
3. Do you know how to beef up your liability coverage? The more you own and earn, the more you have at risk from a lawsuit if someone is injured on your property or while you are driving. Primary insurance policies, such as homeowners, auto, and boat, generally limit liability coverage to $100,000, $300,000, or $500,000.
4. You can expand your coverage and help protect your assets in a major lawsuit with personal umbrella insurance—a type of policy that provides additional liability coverage beyond the limits of your primary insurance policies. Standard homeowners insurance does not cover damage from flooding. For this type of coverage, you will generally need a separate flood insurance policy.
Once your taxes have been filed, first, take a moment to breathe a big sigh of relief…and then enjoy some Tax Day (April 15, 2019) discounts. There’s nothing like a good deal to take the sting out of tax obligations. Below, we’ve compiled a short list of best food and drink deals, taken from offer.com.
The long stretch from the end of the winter holiday season until the next break in your routine can feel like eternity. If you feel the need to reboot your enthusiasm as the spring season arrives, try these tips:
Our most precious commodity is time—and our attention is a close second. That’s why everyone can use some help on how to tune out daily distractions. We compiled the following helpful tips from copyblogger.com to get you started on dialing down distractions: