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Author Archives: Glasses or Contacts

3 Types of Life Insurance and When You Might Need Them

Life insurance is one of the best investments that you could ever make for your loved ones. These policies are one of the only ways that you can ensure that your family has the money that they need, regardless of what happens to you. Shopping for life insurance is not a fun task, but it’s not as hard as you may think. There are several different types of life insurance that you can choose from and thousands of different companies. Each of them is going to have different advantages and disadvantages that you should consider before you purchase a policy. Each kind of life insurance plan works well for different people in a different stage of life. It’s vital that you get the perfect kind of life insurance policy to meet your needs. Term Life Insurance The most popular type of coverage is a term insurance policy. These plans are bought with a pre-determined expiration date attached to them, and once that date has passed, then you’ll no longer have insurance coverage. Because these plans are a temporary, they are going to be the most affordable insurance coverage that you can buy. You can buy one of these plans to ...

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How To Be Rewarded For Your Hard Work

You did your best, worked long, hard hours, and lived frugally. And yet you still didn’t prosper because it’s hard to make a living from a minimum wage job. You then decided to redouble your effort, but that didn’t work out too well because you only made marginal improvements to your income. Next, you decided that you weren’t getting paid what you were worth because you were working for the wrong company. Unfortunately, after getting hired in another company, you found yourself in a similar situation. Finally, you decided that it was the industry, so you went back to school and juggled your class and work schedule for a few years. Unfortunately, after you graduated, you were overqualified for most jobs and the intense competition in your line of work made it almost impossible to find any good job openings. Well, if you’ve taken this route, or one similar to it, there is one option—work for yourself. Here are four ways of earning a handsome income if you love to work hard but have not yet found a company or an industry that will reward you for your initiative and persistence: Sell a proven line of products. If you don’t have a ...

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More Insurance Policies Everyone Should Consider

Insurance is a financial lifeboat that comes to save us when we’ve encountered one of life’s crazy circumstances. To some, paying for financial coverage in the event that something goes wrong may seem like a waste of money. Which is why many foregoing common insurance policies and end up in a world of debt later. If you’ve avoided certain insurance policies because you believe it’ll never happen to you or you’ll cross that bridge when you get to it, you could be in for a world of trouble. Here are just a few more policies everyone should consider: Car Insurance There is an accident every minute of the day in the US. While you’d like to think that you’re a safe driver and nothing will happen to you, you can’t control everything and everyone on the road. Car insurance provides financial coverage in the event of an accident. If the injuries you sustained were serious, you could hire a personal injury attorney like Bachus & Schanker LLC to obtain financial coverage for damages, emotional distress, pain and suffering, and more.  As you go through legal processes and court proceedings adequate car insurance coverage will cover the damage to your vehicle and ...

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How To Save Money On The Important Stuff

Saving money is challenging. And sometimes it feels like a daunting task that is constantly hanging over your head. But, saving money doesn’t have to be a challenge. I am here to teach you how to save money without giving up the things you love. Saving money can be easy, you just have to know where to start and how to go about it. If you are looking to save money, use these tips for simple tasks that will help you save big. My first tip to help save money is prioritizing your purchases. Everyone has things that they want, but that doesn’t mean you can or should get all of them. Saving money is an act of balance between what you should and shouldn’t purchase. To master this, I recommend creating a list of things you want and need, then prioritizing them based on importance, desire or relevance. The result of this is a list of everything you want and when you should buy it. The list is a realistic resource of what you should be buying. Whenever you are shopping, it helps you guide your purchases which will result in you not over spending. Additionally, the list will ...

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3 Questions to Find Out If Your Old Car Is Hurting Your Wallet

Could it be time to upgrade your heavily-used car? And how does one determine when it’s time to part ways? Most money-wise people are not prey to splurging on a new car when they get a raise in paycheck, or when they see the latest release from their favorite car maker. However, it can be hard to nail down an expiry date on a car that has served you well for many years. So in what situation would it be better to upgrade or explore other means of transportation? Here are 3 questions to ask yourself to help you determine if you should look for junk yards near you, or if your car is still good for another year of use: Question 1: Do I feel safe driving my car? Perhaps your car has passed your state’s annual car inspection. But the real measure of its safety is whether you still feel safe driving it. Or, an even better question to ask yourself is whether there are better safety options that you should be looking into. Today’s car models come with the latest array of safety features. These include advanced airbags and rearview cameras to help ensure a safer experience. If ...

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