Homeowners insurance might be a new concept for you when you're the first-time owner of a house you've purchased. Depending on where you live it may not be required once the house is fully paid off, but for a mortgaged home it is generally assumed that a home insurance policy will need to be secured at the time you set up the mortgage. You might be so happy to have a house that you aren't paying too much attention to the home insurance details, but to protect the house and yourself, pay attention to these insurance details.
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If you're interested in earning some extra income to save for a wedding, house, or a child's college, you may be considering signing on with one of a number of new private taxi companies that allow you to accept local fares from a computer or mobile app. While this can be a great way to work around the time constraints of a day job or family demands while still earning money, there are some potential drawbacks you'll want to take into account before you begin work.
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If you're graduating from dental college soon, you may be envisioning your future career and wondering what to expect. You're likely already interning with a practicing dentist, but this experience may have you reluctant to seek employment at an office that employs a large team of dentists -- preferring instead to work one-on-one with a dental hygienist or perhaps with a single partner and support staff. Read on to learn more about some types of dental practices that may appeal to your personality, as well as what you'll need to do to get started in these businesses.
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Companies, like individuals, can be the beneficiaries of life insurance policies. In fact, citing Aon Hewitt, The New York Times reports that up to 20 percent of new life insurance policies are owned by corporations. Companies often use corporate-owned life insurance (COLI) to insure against the loss of key executives who would be expensive to replace. COLI also has benefits for small businesses, though. If you own a share of a small business, a company-owned whole life insurance policy can help your partners continue to run the company and provide for your family if you pass away unexpectedly.
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Many homeowners are surprised when their homeowners insurance agent asks for permission to run a credit check before issuing a quote, but doing so is common practice among insurers. According to Bankrate, 85 to 90 percent of insurance companies use an insurance score when calculating premiums. Your insurance score is largely based on your credit score, and it can be improved by manipulating your credit score. By paying your credit card bills twice a month, you can raise your credit score and secure a lower homeowners insurance quote.
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