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Summary: Health reform and government shutdown

October 1, 2013 Note From The Editor

Government shutdown and its impact on health insurance and reform For the first time in 17 years, the U.S. federal government has been shut down. This comes as federal lawmakers failed to reach a compromise on the controversial Affordable Care Act, often called Obamacare. Opponents of the Affordable Care Act have sought to pull funds from the law, prohibiting its implementation. Lawmakers have also sought to delay the enactment of the law for a whole year, hoping to see health care reform take effect in 2015 rather than 2014. Supporters…

Get Your Home in Shape for Winter

September 29, 2013April 19, 2014 Guest Author

Winter Home Care insurance companies external battery charger

Frozen and burst pipes are of the highest home insurance claims and most frequently occurring source of damage, notes the Insurance Information Network of California. Yet many homeowners don’t know how common this problem is and don’t think their pipes could burst in the winter, causing expensive damage. This and other cold-weather problems can be prevented with a small amount of preventative maintenance as part of a fall cleanup. This year, spend a weekend ensuring that you, your garden and your home weather winter’s chill with ease by preparing your…

Is insurance worth it?

September 28, 2013 S.Vagus

What is the value of insurance coverage? Insurance can be a very tricky issue for many people. Coverage of any kind is often considered to be an extra expense that is difficult to justify. For some, the cost of insurance is not worth the protection it offers, while others consider insurance coverage to be mandatory even if it is expensive. The value of insurance coverage varies from person to person as much as it does from one type of coverage to another. Because there are many forms of insurance available,…

Flood insurance is an uncommon solution to a common problem in the United States

September 21, 2013September 21, 2013 Note From The Editor

This Week’s Trending Topic: Flood insurance in the US is often misunderstood In the U.S., flood insurance is often a misunderstood issue. Many homeowners throughout the country live in regions that can be considered to be at high risk of flooding, either due to heavy rainfall or because of the region’s exposure to hurricanes. While homeowners in these regions of the country are exposed to flooding disasters, very few people actually have flood insurance protection. This could be due to a simple misunderstanding that most people have regarding their homeowners…

I Need to Get a Mortgage – Who do I Call First?

September 21, 2013April 17, 2014 Kirk Chivas

Mortgage rates have risen about 1% in the last 4 months of 2013. We even had some days that rates would rise 4 times in one day (read about that here). Refinancing your loan is no longer the cool topic at the hors d’oeuvre table at the Bunco party or at the water cooler discussion in the office. This is usually the spot where you will find a “topper” or “one-upper” who jumps into the conversation and says “Oh, yeah… Well I got a mortgage rate of 1.99% for 30…