If you're co-signing big student loans for your child, you may want to buy a life insurance policy while you're at it. While no one wants to imagine the death of their child, taking out insurance on your son or daughter -- or asking them to purchase their own plan -- will protect you from being hit with mountains of debt should tragedy strike. And the policies are pretty cheap. A basic plan with up to $250,000 in coverage can cost as little as $15 a month for a young, healthy college student or recent graduate. That's a whole lot less than the loan payments you could be stuck with -- which average more than $200 a month.
Performing checks on smoke alarms, carbon dioxide detectors, sprinkler systems and fire extinguishers are simple tasks that can make a big difference on the safety of your family and your home.
No one ever plans on getting into an accident. If you find yourself in that situation it can be hard to gather your thoughts and keep a clear head. But if you can keep some of these tips in the forefront of your mind, you’ll be in much better shape if you ever do find yourself in an accident.
Myth: Woman are more dangerous drivers than men.
Reality: For each minute they drive, men are almost twice as likely as women to be in a fatal crash.
This was recently reported by the AAA. What do you think?
It’s a common misconception that an umbrella is too expensive and only for rich people. But the reality is, the vast majority of our typical possessions and everyday activities make umbrella coverage essential. So who could benefit from an umbrella? Anyone who:
Believe it or not, Social Security numbers were not intended to be used for identification when they were introduced in 1936. But, some 75 plus years later, nearly every form we fill out asks for our Social Security number. To reduce your risk of identity theft, you should only disclose your number when absolutely necessary. Since the advent of Social Security, many federal and state government agencies have begun to require Social Security numbers. While many federal and state agencies are required to obtain your number, some are not. If an agency requests your number, it must tell you the following: