Medicare Basics: Parts A, B, C and D Explained
Medicare is four programmes with one name. Missing an enrolment window can cost you a surcharge for life.
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Medicare Advantage vs Medigap: The Trade-off Nobody Explains
The decision looks like a premium comparison and is really a decision about future medical underwriting.
Auto Insurance Coverage: What Each Line on Your Policy Does
State minimum liability limits were set decades ago and have not kept up with the cost of a serious crash.
Choosing a Car Insurance Deductible
A deductible is a decision about which losses you would rather absorb yourself.
Nine Ways to Lower Your Car Insurance Without Losing Coverage
Most of the saving comes from shopping the policy, not from shaving coverage.
Homeowners Insurance: Replacement Cost, Exclusions and Getting the Limits Right
The most expensive mistake in a homeowners policy is insuring the market value of the house instead of the cost to rebuild it.
Renters Insurance: Cheap Cover Most Tenants Skip
Your landlord's policy covers the building. It covers nothing of yours, and none of your liability.
Flood Insurance: Why Your Homeowners Policy Will Not Pay
Most flood claims in any given year come from properties outside the high-risk zones.
Umbrella Insurance: A Million Dollars of Liability for About $200 a Year
There is no other place in personal finance where a few hundred dollars buys a million dollars of protection.
Disability Insurance: Protecting the Asset That Funds Everything Else
Your ability to earn is the asset every other plan depends on. It is also the one most people leave uninsured.