Archive>Personal Finance
The 3 Types of People Most In Need of Life Insurance   Author: Phil Glenewinkel, Active Brokers   
Death isn’t a topic that many people like talking about, but if you’re financially responsible for others, it’s your responsibility and obligation to discuss it with the people in your care.
Life Insurance Investment Policies   Author:    
You can't separate life insurance from investing. Not really. Life insurance policies require an investment component to function. The only choice you can make is whether you want to participate in the insurer's profits or not.
Should You Really Buy Gold Bullion?   Author:    
Do you need to stockpile gold bullion in preparation for a complete financial collapse? Maybe, but probably not. What you do need is an intelligent approach to money management going forward.
Hurricane Sandy Displaces Renters   Author: Aaron Kase, Lawyers.com   
The news has broadly covered the woes of homeowners and investors in the aftermath of Hurricane Sandy, but thousands of renters are also struggling in their own ways. Thousands of renters are still displaced as a result of the storm and experts suspect many remain unaware of their rights as tenants. Rules differ according to region, but generally speaking renters do not have to pay rent for the period they are displaced, and if it was only for a few days those missing days can be prorated. Further, if landlords refuse to promptly repair damage, tenants can often make necessary repairs themselves and deduct the cost from their rent. For more on this continue reading the following article from JDSupra.
Sandy’s Aftermath Awaits   Author: David Bodamer   
Meteorologists and property analysts seem to agree that Hurricane Sandy was the worst thing to happen to the Eastern seaboard since development and population started peaking. New York’s infrastructure, some of which is very old and in need of repairs, has been badly damaged and power has been slow to return to many outlying areas. In New Jersey, casinos have been ravaged. Meanwhile, investors and economists are still trying to sort out the aftermath when it comes to real estate investment trusts (REITs) and commercial mortgage-backed securities (CMBS). REITs will have to consult their insurers while many CMBS issuances have been delayed. For more on this continue reading the following article from National Real Estate Investor.
How To Get Help If Your Home Was Damaged By The Hurricane   Author: Aaron Kase, Lawyers.com   
Experts advise people with homeowner’s insurance to get familiar with their policies before engaging with claims representatives. It’s important that the homeowner know what’s covered, or at least be able to ask the right questions both on the phone and when the claims adjuster comes to the residence. If an insurer fails to respond or attempts to skirt payment, homeowners should contact their state insurance commissioner. Anyone without insurance is advised to contact the Federal Emergency Management Agency (FEMA) to find out what relief may be available from FEMA as well as other resources.
Storm Victims Contemplate Insurance    Author: Jeff Brown   
Hurricane Sandy has ravaged the East Coast and parts inland, and now thousands of people are wondering how to handle their insurance needs. Taking advantage of homeowner’s insurance first involves engaging a claims adjuster and those in need should not wait. Get an adjuster’s name and extension for future reference, document all damage and collect a list of witnesses if at all possible. Experts advise homeowners to be present when the adjuster comes to make an assessment and make sure to address issues that appear to go unnoticed. For more on this continue reading the following article from TheStreet.
Looking Ahead To The Economy In 2013   Author: Brian O'Connell   
Analysts at the Mortgage Bankers Association are looking for positive economic signs for the upcoming year and have found reason for hope in a housing market that has the ability to grow, albeit at a slow pace. Bankers estimate that there will be more mortgage originations in 2013 and that more people will purchase homes. They also believe the rates for those mortgages will remain low. Further, the jobs market is expected to increase and economic growth will improve, although only in comparison to the troubled times of the recent past. For more on this continue reading the following article from TheStreet.
Can Tax Cuts Rescue the Economy from Sluggishness?    Author: Nate Nead   
Fundamental philosophical differences in the role of government and taxes plague both political and pundit discussions alike. Some see tax hikes on wealthy citizens as the fundamental method for raising funds for federal, state and social programs.
Poor Economy Forcing Kids Back Home   Author: Brian O'Connell   
The current generation of first-time job seekers is now being labeled “Boomerang Kids” because of the number that are moving back in with their parents with complaints of a poor labor market. PulteGroup’s latest Home Index Survey shows that 15% of parents surveyed said they had kids who moved back home, with another 30% expecting the same fate. Analysts say the move may actually help the economy in a backhanded way as parents invest more money in remodeling and home expansion to accommodate the return to the nest.
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