If you are a freelancer, choosing the best health insurance policy may seem intimidating. We break down your options and give you our best advice here.
Source: goodfinancialcents.com
Where to Find Insurance for Freelancers
Life Insurance Over 50
For individuals who are young and in good health, shopping for life insurance is often easy and stress-free. Most of the time, young people only need to decide how much coverage they want and apply for a free quote online. Some companies that market term life insurance coverage even let qualified applicants start their policies without a medical exam.
Once you have reached the age of 50, however, your options for life insurance may not be quite so robust. You may have to buy a lower amount of coverage in order to secure a monthly premium you can afford, and itâs more likely youâll need to undergo a medical exam and face increased scrutiny over your life insurance application.
Fortunately, you can get life insurance in your 50âs and even in your 60âs. Youâll just need to adjust your expectations, and you should be willing to shop around to ensure youâre getting the most coverage for a price you can afford.
Unique Challenges for Individuals Over 50 Buying Life Insurance
As you start shopping for a life insurance policy, youâll probably notice a few factors that are working against you. These factors arenât your fault, but they still affect your ability to qualify for life insurance coverage or affordable monthly premiums.
- Your Age: Where life insurance can be downright cheap when youâre young and healthy, policies only get more expensive as you age. Once youâve surpassed the age of 50, the price youâll pay for a meaningful amount of coverage can easily balloon. This is why itâs more important than ever to spend time shopping around and comparing life insurance quotes.
- Your Health: The older you are, the more likely you will have acquired a chronic health condition that can make getting life insurance coverage a challenge. Youâll need to answer health questions when you apply for a life insurance policy, and the answers you provide could set off alarm bells with the life insurance provider or bar you from purchasing a policy at all.
- Policy Length: Another issue when youâre older is the term of coverage you can qualify for and purchase. A 30-year term policy will likely be fairly expensive if youâre already 55, for example, whereas a 10-year term policy that only provides a decade of coverage will likely be more affordable. Many older individuals opt to buy permanent coverage that lasts a lifetime, yet permanent coverage like whole life or universal life can also be incredibly expensive.
How and Where to Find a Life Insurance Policy if Youâre Over the Age of 50
Regardless of the challenges youâll face while buying life insurance over the age of 50, you can still purchase this important coverage. With that being said, youâll never know which insurance company is best unless you compare the best life insurance companies, such as Banner Life Rates.
When working with only one insurer, you are locked into just that insurance companyâs underwriting requirements â as well as that insurerâs prices. And, while it may sound strange, not all life insurance coverage is underwritten or priced identically.
For example, an applicant who applies to one insurance company may be accepted as a âstandardâ policyholder and charged an average premium rate, while he or she may be accepted only as a âsubstandardâ policyholder at another carrier and charged a higher rate of premium â even though they submitted the same answers to the questions on the application for coverage.
This is why it is essential to work with an expert in the insurance field that can submit your information to numerous insurance carriers. Just like when shopping for any other important item, itâs always best to compare prior to making your final determination.
This is where we come in. When shopping for insurance, we can help you compare dozens of plans and companies in a matter of minutes. This way, you can compare pricing and coverage amounts without having to apply with each individual insurer.
Regardless of your age or health, itâs important that you get the insurance coverage that your family will need. You can start comparing quotes from the best life insurance companies by clicking your state below.
No matter where exactly you are in your 50âs, we can definitely get a policy that meets your needs. We know that planning for your death is not a fun task, but itâs one of the most important things that you can do. You donât want to leave your family struggling to cover your final expenses at a time when they should be grieving and celebrating your life.
Do People Over the Age of 50 Still Need Life Insurance?
You may be wondering if people still need life insurance coverage once theyâre in their 50âs. After all, life insurance coverage is geared to people who need income replacement during their working years, as well as those with children and other dependents at home. By the age of 50, you should be winding down your working years, and itâs possible your kids have moved out to begin their adult lives. Why would you need life insurance at this point?
The thing is, consumers can easily need life insurance at any age, and this includes those who are over 50. Although your children may be grown and are no longer depending on your income for their living expenses and needs, there are numerous other reasons for having â or for keeping â this essential financial protection.
Some of the most important reasons can include:
- Burial Insurance: Regardless of your age, youâll eventually need burial insurance to cover your final expenses. Today, the average cost of a funeral can easily exceed $10,000 when factoring in items such as the funeral service, burial plot, headstone, transportation, flowers, and a casket or urn. If there are final medical and hospice costs incurred, this could add significantly to the total.
- Estate Taxes: Estate taxes are another potential area of concern for those who are over age 50. For those who are faced with having to pay estate tax upon death, this liability can erode up to 50% or more of a decedentâs assets. If there is no plan in place, such as life insurance proceeds, for paying these taxes, survivors could end up selling off other assets such as retirement investments or even precious family heirlooms in order to come up with the money. And unfortunately, when such assets are sold in this manner, they are often done so at far below market value.
- Pension or Retirement Income Replacement: When a retiree dies, their pension may not continue on for their spouse. Buying a life insurance policy can ensure your spouse has some income to keep up with living expenses and enjoy life once youâre gone.
- Business Succession: Life insurance can help business owners who are over age 50 to use as a business succession tool. Proceeds from a life insurance policy could be used to keep a company running while a replacement owner or partner is located, or while a suitable buyer for the business is found.
These are just a few of the reasons individuals over the age of 50 may want to purchase life insurance, but there are plenty of others. Just keep in mind that, no matter what age you are, itâs only natural to want to leave something behind. A life insurance policy can help you do exactly that, which is why consumers in nearly every age group purchase this important protection each year.
Which Type of Life Insurance is Best if Youâre Over the Age of 50?
When shopping for a life insurance policy at any age, itâs easy to become overwhelmed by all the options youâll find online. Before you commit to shopping for life insurance policies, you should know and understand how each type of coverage works.
Term Life Insurance
Term life insurance is sold for a certain length of time or a âterm,â which means that the policy will cover you for only a certain period before it expires. Most term policies are sold for 10 years, 15 years, 20 years, or 30 years. With a term life insurance policy, you are purchasing basic âno frillsâ coverage. This means that you are obtaining pure death benefit coverage without any cash value or savings component.
Even though the coverage on a cheap term life insurance policy runs out after a given period, these policies can be beneficial in certain situations. For example, term policies are often considered for âtemporaryâ needs such as providing protection during the length of a 15- or a 30-year mortgage balance. In other words, if an individual wanted to make sure that the balance of their home mortgage was paid off for his or her survivors in the event of death, they could purchase a term life policy for the same length of time in which they will have a remaining mortgage balance.
If a term life insurance policyholder wishes to continue their coverage upon the policyâs expiration, they will need to reapply at their current age and health condition. This will typically mean that the premium amount for the new coverage will be higher, and thatâs true even if the face amount of the policy remains the same. For many people, this is no problem because the premiums on term policies are much lower than the alternative options.
Related: How Much Does a Million Dollar Term Life Insurance Policy Cost?
Permanent Life Insurance
If you donât like the idea of your life insurance expiring, then go with a whole life insurance plan. Permanent life insurance plans never expire, but they are more expensive.
The money that accrues in a permanent life insurance policyâs cash value component can typically be borrowed or withdrawn by the policyholder for any need that he or she sees fit. This can provide the policyholder with additional funds for the down payment on a home, the purchase of a car, debt repayment, or even for supplemental retirement income in the future.
Although the premiums for permanent life insurance can be more expensive than premiums for a term policy, the amount of the premium on a permanent policy will typically be locked in for life. This means that the policyholder will not need to worry about his or her premiums increasing in the future â even if they get sick or wind up with a chronic health condition.
In addition to all of the other uses of life insurance for those who are over age 50, a permanent life insurance policy can also be used for the simple purpose of supplementing oneâs savings.
For example, a whole life insurance policy can help you to build up cash on a tax-deferred basis that can be drawn upon in the future in a number of different ways. Unlike money that is invested in the unpredictable stock market, funds that are inside of the cash value of a whole life insurance are provided with a guaranteed rate of growth. In addition, because of their tax-deferred nature, funds are allowed to compound over time with no tax due on the gain until the time they are withdrawn in the future.
This can provide not just safety, but also peace of mind in knowing that the principal is protected regardless of what is happening in the market, as well as in the economy overall. In addition, the death benefit on these life insurance plans is also tax-free to the named beneficiary (or beneficiaries). This means the money can be used by survivors for their financial needs, and all without having to hand over a portion of it to Uncle Sam.
While whole life is the most popular type of permanent life insurance coverage, you can also look into universal life insurance, variable life insurance, or even variable universal life. These niche policies tend to work better for consumers who have a specific financial goal, but they could work well for your needs depending on your situation.
Life Insurance with No Medical Exam
Many who have severe health issues may have to look into the option of no medical exam life insurance. This is often the only option for those who have been declined for life insurance in the past.
Each time an individual applies for life insurance coverage, the underlying insurer is essentially taking a risk on whether or not it will be required to pay out a claim. If the insurance carrier feels that the risk is too great, it will either charge the insured a higher rate of premium or it will deny the applicant for coverage altogether.
The good news is that people over 50 in the market for life insurance still have plenty of options â you just need to know where to look. You may assume that you wonât be able to get affordable coverage, but thatâs why we suggest that you look into a no medical exam plan from Haven Life to get your life insurance protection.
A healthy man who is 50-years-old can pay as little as less than $15 a month for $100,000 in term life insurance coverage, whereas a healthy 59-year-old can pay as little as $27 a month for the same policy. Even at the age of 59, a $400,000 policy can cost less than $100 a month. Note that these are non-smoker rates for a 10-year term policy.
If you have health conditions like cancer, heart disease, or diabetes while looking for life insurance, you can expect increased rates. Smoking will also increase the rates for life insurance for individuals who are ages 50 to 59.
The Bottom Line
At the end of the day, youâll never know how much you might need to pay for life insurance unless you shop around. And really, thatâs the main piece of advice I hope to impart on individuals ages 50 and older.
Purchasing life insurance coverage can be more challenging when youâre over the age
The post Life Insurance Over 50 appeared first on Good Financial Cents®.
Source: goodfinancialcents.com
10 Ways Coronavirus Tax Relief Affects Your Personal Finances
In response to the ongoing coronavirus emergency, the Internal Revenue Service (IRS) is offering federal tax relief to Americans. It’s part of emergency declarations that were enacted due to the Stafford Act. This response will undoubtedly help citizens and businesses cope with the crisis.
But what you may not know is that changes to the tax deadline affect several aspects of your financial life. In this post, I’ll explain what coronavirus tax relief is and 10 ways it affects your finances.
1. Your federal income tax deadline is postponed
The central feature of tax relief during the coronavirus pandemic is that the due date for filing and paying your 2019 federal taxes is postposed from April 15, 2020 to July 15, 2020.
You don’t have to be sick or negatively impacted by COVID-19 to qualify for this federal tax postponement. It applies to any person or entity, such as those who are self-employed, an unincorporated business, a corporation, estate, or trust that has 2019 taxes due on April 15. It doesn’t matter if April 15 is the original date for your return on an extension date you previously filed for—your new due date is still July 15.
There’s absolutely nothing that taxpayers need to do to take advantage of this relief.
There’s absolutely nothing that taxpayers need to do to take advantage of this relief. The postponement will happen automatically for any amount you owe or any installment payment you were asked to make on April 15.
Of course, many Americans are expecting a tax refund. When you overpay taxes during the year, the IRS settles up with you during tax season by issuing a refund.
If you’re owed a tax refund, never wait to file your tax return. The sooner you send it in, the faster you’ll receive your money back. Getting a direct deposit is always faster and safer than a paper check. So, be sure to include your banking information with your return, so you receive your refund electronically.
2. Interest and penalties begin to accrue on July 16, 2020
As a result of the postponement of the due date for filing and paying federal income taxes until July 15, 2020, you’ll get a pass on interest and penalties if you pay up by then. However, the extra fees will begin to accrue on July 16, 2020.
3. Your state income tax deadline hasn’t changed
Depending on where you live, you may have to pay state income taxes, which have not been postponed. However, it’s possible that the states affected the most by the coronavirus could enact relief measures of their own.
Depending on where you live, you may have to pay state income taxes, which have not been postponed.
Seven states don’t charge income tax, including Alaska, Florida, Nevada, South Dakota, Texas, Washington, and Wyoming. Additionally, New Hampshire and Tennessee don’t tax earned income, but they do tax your investment income.
If you live in any of the remaining 41 states, plan on filing and paying your state taxes as usual. Check with your state’s tax agency or Department of Revenue to learn more and stay as up to date as possible.
4. You can still file a tax extension
But what if July 15 comes and you need more time? Individuals and businesses can request an automatic extension to delay filing federal taxes. However, this doesn’t give you more time to pay what you owe, only more time to submit your tax form.
To get a federal extension, individuals must submit IRS Form 4868 on IRS.gov, using tax software, or through your tax professional, before the July 15 deadline. Most incorporated businesses must file IRS Form 7004.
If you choose to file an extension request, that would give you until October 15, 2020, to file your 2019 return.
If you choose to file an extension request, that would give you until October 15, 2020, to file your 2019 return. But again, to avoid interest and penalties on any outstanding tax liability, you must pay an amount you estimate is due with your extension request.
If you need a state tax filing extension, check with your state’s tax agency to see what’s possible.
5. Taxes you already scheduled payment for can be canceled
If you’re ahead of the game and already filed your 2019 taxes and scheduled payment to occur on April 15, you have options. If you don’t want your payment to go through, you can reschedule or cancel it until two business days before the payment date.
In other words, April 10 would be the last day to make a tax payment change. However, I wouldn’t wait until the last minute if you plan to reverse or modify it.
To make a change, visit the tax payment portal you initially used and follow the instructions. If you authorized an electronic funds withdrawal from your bank account, contact a U.S. Treasury Financial Agent at 888-353-4537 to request a cancellation. And if you scheduled a tax payment using a credit card, contact the issuer to cancel the card payment.
6. Only one estimated tax deadline for businesses is postposed
Most businesses make estimated tax payments each quarter. The 2020 schedule is:
- First quarter is due on July 15, 2020, which changed from April 15, 2020
- Second quarter is due on June 15, 2020
- Third quarter is due on September 15, 2020
- Fourth quarter is due on January 15, 2021
So, the first estimated payment that businesses need to make this year will be due on June 15, 2020.
7. Other tax filing deadlines have not been postponed
What about information returns that must be filed by certain types of businesses, or taxes that are due on other dates, such as May 15 or June 15? Unfortunately, individuals and businesses that have filing or payment due dates other than April 15 don’t get any relief at this time.
Again, the assistance only applies to federal income tax returns or payments due on April 15, 2020.
8. Relief doesn’t apply to other types of taxes
If you or your business owe tax other than income tax, such as sales tax, excise tax, payroll tax, gift tax, or estate tax, you must file and pay them as usual.
9. You have more time to make HSA contributions
You typically have until April 15 to make health savings account (HSA) contributions for the prior year. Under this relief, you can now make HSA contributions for 2019 at any time until July 15, 2020.
To qualify for an HSA, you must be covered by a qualifying high-deductible health plan that you get through work or on your own. In early March, the IRS issued a notice that a high-deductible health plan may cover the cost of COVID-19 testing and treatment before your deductibles are met. Also, just as before the coronavirus, you can pay for medical testing and treatment using funds in your HSA.
10. You have more time to make retirement contributions
Just like with an HSA, you typically have until April 15 to make contributions to a traditional IRA or a Roth IRA. Because the tax filing date is postponed to July 15, you can make IRA contributions for 2019 at any time until July 15, 2020.
However, for most workplace retirement plans, such as a 401(k) or 403(b), the deadline corresponds to the calendar year. So, December 31, 2019, was the last day to make 2019 contributions for accounts offered by an employer.
While this tax relief may not be enough to buoy many people and businesses that have been affected most by the coronavirus pandemic, it’s just one measure. There will be broader fiscal relief enacted to minimize the economic impact of this ongoing health crisis.
Source: quickanddirtytips.com
Everything You Need To Know About Final Expense Insurance
Final expense insurance is typically a small whole life insurance policy where the proceeds are earmarked specially for funeral and other end of life expenses. Ultimately, the net result will be a tax-free cash payment to a beneficiary(s). Most insurance companies aim to pay claims within a few days since they know the funds are likely to be used for a funeral. Technically, the money can be used for anything. If for example, all the money is not used for funeral costs, the remaining amount is owned by the beneficiary(s) to use as they see fit.
Most life insurance companies make these plans available to seniors from the ages 50 to 85 and offer between $5,000 and $25,000 in coverage. The health requirements to qualify are very lenient too. Even if you have serious health issues, you can still get a policy. Some plans actually guarantee approval no matter what health issues you have. It is important to note that if you buy a plan that has guaranteed approval where there are no health questions, there will be a two to three year waiting period before benefits become active. To get a plan that covers you right away with no waiting period, you must at minimum answer health questions and be approved by the insurance company.
How much does it cost?
Final expense insurance premiums are typically low since the benefits are on the smaller side. Overall, the average cost of a final expense policy is between $50-$100 per month. Rates will vary depending on your age, gender, health, tobacco usage, coverage amount and the insurance company you purchase your policy from.
For example, a non-smoking 65-year-old woman in generally good health will pay roughly $40-$45 per month for a $10,000 policy. However, a man with the same profile would pay $56-$60 per month.
How do you buy a policy?
There are few different ways to purchase a policy. There are dozens of insurance companies that offer this type of plan, and they all have different application processes.
Ultimately, you must choose which method suits you best. Working with an agent gives you the advantage of having a professional who can answer your questions and make recommendations. However, if you value your privacy and prefer simplicity, then buy a plan online or through the mail.
No matter how you apply, you can find an affordable life insurance policy for final expenses since there are so many companies to choose from.
Who are the best companies to consider?
The market for final expense insurance is vast. You will find a ton of insurance companies to choose from. Below are some highly rated companies to consider. This information is as of 9/23/20, visit the company websites for current policy information.
1) Mutual of Omaha
Mutual of Omaha is one of the oldest life insurance companies in the USA. They offer two different final expense plans to anyone between the ages of 45 and 85. The first plan is called âLiving Promiseâ and is only sold through agents. You can purchase up to $40,000 in coverage on this plan. It does have underwriting, so your qualification depends on your health. If you are approved, this plan has no waiting period. The second plan they offer is guaranteed issue, so you cannot be denied. With their guaranteed acceptance plan, you can buy up to $25,000 in coverage. Since this plan has no health questions, you will be subject to a two-year waiting period before you are covered.
2) AIG
AIG is another very old and stable life insurance company. They only offer one type plan to seniors between 50 and 80, which is a guaranteed acceptance policy. Because it has no health questions, there will be a two-year waiting period before your coverage begins. The premiums are affordable and applying can be done online or through an agent.
3) Aetna
Most people associate Aetna with health insurance, since that is the most common insurance they sell. However, they do offer final expense insurance too. What is most unique about Aetna is they will insure applicants as old as 89. Very few life insurance companies will go beyond 80 or 85. The amount of coverage you can buy from Aetna varies based on your age. It is important to note their plans have underwriting, so you must qualify for their coverage. That is the main downside with Aetna. They have no guaranteed acceptance option. Depending on your health, you may or may not qualify.
Should you buy final expense coverage?
For some people, a final expense policy makes all the sense in the world, and for others it does not.
A final expense plan is typically suitable for any individual who presently has no means to pay for their funeral costs. For example, you have no savings or real property that can be sold to pay for burial costs. If you are in that situation and donât want to leave a financial burden to your family, then a final expense policy is fantastic option you should pursue.
At the same time, if you currently have cash, a retirement account, or some other assets that can be quickly liquated to pay for your funeral, you probably do not need a policy. You may prefer one, but you do not necessarily need it.
If you have the cash, it would probably be better to put it into a funeral trust, so itâs securely locked away for when that day comes.
At the end of the day, preplanning is an act of love. No matter how you financially prepare for your funeral, your family will appreciate it more than words can express.
What you do now ensures they arenât forced to make tough decisions while riding an emotional rollercoaster.
The post Everything You Need To Know About Final Expense Insurance appeared first on Credit.com.
Source: credit.com
What Is Gap Insurance, and What Does It Cover?
When purchasing or leasing a new car, you have several insurance coverage options. When selecting coverage, you will likely know if you want to have collision coverage or not, but will you know what gap insurance and whether to select that option? If you are driving your owned vehicle or a leased one, and it is totaled, your collision coverage insurance will cover your vehicleâs cash value. The coverage will help you to purchase a another car. However, what if you owe more on your car than itâs worth? That is where gap insurance comes in. Hereâs what you need to know about this type of coverage.
What is Gap Insurance?
Gap insurance protects you from not having enough money to pay off your car loan or lease if its value has depreciated, and you owe more on your car than it is worth. It is optional insurance coverage and is used in addition to collision or comprehensive coverage. It helps you pay off an auto loan if a car has been totaled or stolen, and you owe more than its worth. Gap insurance might also be known as loan or lease gap coverage, and it is only available if you are the first owner or leaseholder on a new vehicle.
Some lenders require individuals to have gap insurance. In addition to collision and comprehensive coverage, gap insurance helps prevent owners and leasers from owing money on a car that no longer exists and protects lenders from not getting paid by a person in financial distress.
How Gap Insurance Works
If you buy or lease a new car, you may owe more on the vehicle than it is worth because of depreciation. For example, letâs say you purchase a new car for $35,000. However, a year later, the car has depreciated and is only worth $25,000, and you owe $30,000 on it. Then, you total the car. Comprehensive insurance coverage would give you $25,000, but you would still owe $5,000 on the vehicle. Gap insurance would cover the $5,000 still owed.
Without gap insurance, you would have had to pay $5,000 out-of-pocket to settle the auto loan. With gap insurance, you did not have to pay anything out of pocket and were likely to purchase a new car with financing.
What Gap Insurance Covers
Gap insurance covers several things and is meant to complement collision or comprehensive insurance. Gap insurance covers:
- Theft. If a car is stolen and unrecovered, gap insurance may cover theft.
- Negative equity. If there is a gap between a carâs value and the amount a person owes, gap insurance will cover the difference if a car is totaled.
Gap insurance also covers leased cars. When you drive a new, leased car off the lot, it depreciates. Therefore, the amount you owe on the lease is always more than the car is worth. If you total a leased car, youâre responsible for the fair market value of the vehicle. If you lease, you can purchase gap coverage part way through your lease term, although many dealerships require both comprehensive and collision coverage and strongly recommend gap coverage.
What Gap Insurance Doesnât Cover
Gap insurance is designed to be complementary, which means that it does not cover everything. Gap insurance does not cover:
- Repairs. If a car needs repairs, gap insurance will not cover them.
- Carry-over balance. If a person had a balance on a previous car loan rolled into a new car loan, gap insurance would not cover the rolled-over portion.
- Rental cars. If a totaled car is in the shop, gap insurance will not cover a rental carâs cost.
- Extended warranties. If a person chose to add an extended warranty to an auto loan, gap insurance would not cover any extended warranty payments.
- Deductibles. If someone leases a car, their insurance deductibles are not usually covered by gap insurance. Some policies have a deductible option, so it is wise to check with a provider before signing a gap insurance policy.
Reasons to Consider Gap Insurance
There are several situations you should consider gap insurance. The first is if you made less than a 20% down payment on a vehicle. If you make less than a 20% down payment, it is likely that you do not have cash reserves to cover them in case of an emergency and that they will be âupside downâ on the car payments.
Additionally, if an auto loan term is 60 months or longer, a person should consider gap insurance to ensure that he or she is not stuck with car payments if the vehicle is totaled.
Finally, if youâre leasing a car, you should consider gap insurance. Although many contracts require it, the vehicle costs more than itâs worth in almost every situation when you lease.
Is a Gap Insurance Worth It?
Gap insurance keeps the amount that a person owes after buying a car from increasing in case of an emergency. Therefore, if someone does not have debt on his car, thereâs no need for gap insurance. Additionally, if a person owes less on his car than it is worth, thereâs also no need for gap insurance. Finally, if a person does owe more on a vehicle than it is worth, he may still choose to put the money that would be spent on gap insurance every month toward the principal of his auto loan.
If a person owes more on his car than it is worth and would be financially debilitated by having to pay the remainder of his car payments if his vehicle was totaled or stolen, then gap insurance might be a saving grace.
If the extra cost of gap insurance strains your budget then consider ways to keep your vehicle insurance costs down without skipping gap insurance.
The Takeaway
Gap insurance covers the amount that a person would still owe on a vehicle after it is stolen or totaled, and after comprehensive insurance pays out. It prevents people from continuing to owe on a car that no longer exists. While it doesnât make sense for everyone to purchase gap insurance, it is often smart for people who have expensive vehicles that are worth far more than a person owes. It is also something to consider when you are leasing a vehicle.
Tips for Reducing Insurance Costs
- If you need a little additional help weighing your insurance options, you might want to consider working with an expert. Finding the right financial advisor that fits your needs can be simple. SmartAssetâs free tool will match you with financial advisors in your area in five minutes. If youâre ready to learn about local advisors to help you achieve your financial goals, get started now.
- You may want to consider all the insurance options available that are suitable for your unique situation. By doing so, you save money. A free comprehensive budget calculator can help you understand which option is best.
Photo credit: ©iStock.com/ljubaphoto, ©iStock.com/Kileman, ©iStock.com/gustavofrazao
The post What Is Gap Insurance, and What Does It Cover? appeared first on SmartAsset Blog.
Source: smartasset.com
How to Copy Warren Buffet’s Biggest Investment of 2020
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Warren Buffett is notoriously a good investor. Sure, heâs made some mistakes along the way (who hasnât?), but whatever move he makes, you can bet heâs thought it through, and it will pay off â big time.
Which is why when Mr. Buffett made his biggest stock purchase of the year into Apple, we thought, âIsnât it too late to do that?â Apple is already trading at the highest price it ever has. It feels out of reach for us non-billionaires.
But it turns out, thatâs not the case. While we donât have the ability to own $111 billion (yes, billion with a B) in AAPL shares, we can still get our hands on some â and reap the rewards as the market goes up.
One of our favorite ways to get into the stock market and be a part of infamous big-tech returns, without risking billions is through a free app called Stash.
It lets you be a part of something thatâs normally exclusive to the richest of the rich â on Stash you can buy pieces of other companies â including Buffettâs choices â for as little as $1.
Thatâs right â you can invest in pieces of well-known companies, such as Amazon, Google, Apple and more for as little as $1. The best part? If these companies profit, so can you. Some companies even send you a check every quarter for your share of the profits, called dividends.1
It takes two minutes to sign up, and itâs totally secure. With Stash, all your investments are protected by the Securities Investor Protection Corporation (SIPC) â thatâs industry talk for, âYour moneyâs safe.â2
Plus, when you use the link above, Stash will give you a $5 sign-up bonus once you deposit $5 into your account.*
Kari Faber is a staff writer at The Penny Hoarder.
1Not all stocks pay out dividends, and there is no guarantee that dividends will be paid each year.
2To note, SIPC coverage does not insure against the potential loss of market value.
For Securities priced over $1,000, purchase of fractional shares starts at $0.05.
*Offer is subject to Promotion Terms and Conditions. To be eligible to participate in this Promotion and receive the bonus, you must successfully open an individual brokerage account in good standing, link a funding account to your Invest account AND deposit $5.00 into your Invest account.
The Penny Hoarder is a Paid Affiliate/partner of Stash.Â
Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.Â
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
Source: thepennyhoarder.com
2008 Fleetwood Avalon Pop Up Camper
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Properly cleaning and waterproofing your pop up camper canvas is key to the life of your camper. Read on to learn the best way to care for that canvas.
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2008 fleetwood avalon pop-up model #4249 with electric lift. excellent condition inside and out. Stored in garage. Three burner stove and oven, microwave.
Rv Rental Gainesville Tx
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Rv Rentals With Unlimited Mileage
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Rental Campers Near Me
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With 130 rental locations, Cruise … With 6.5 foot/2 meter ceilings and walk through convenience even tall campers can enjoy … or locating vacant hotel rooms near …
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