As a supplement to my recent coverage of the types of auto insurance coverage, I thought I would provide a list of the minimum auto insurance coverage requirements by state. Each state has their own laws governing the minimum car insurance coverage you need—use this list to find your state and determine your minimum coverage. … Read more
We’ve written about the importance of bodily injury liability coverage, arguably the most important part of your auto insurance coverage. But there’s a ridiculous amount of auto insurance coverage types. What do you need to load up on? And which can you skip? Bodily injury liability Every single state requires bodily injury liability coverage. It protects … Read more
This post contains a free net worth tracking spreadsheet template for Microsoft Excel (.xlsx). Please enjoy it for your personal use. An explanation of net worth and why I use this spreadsheet follows the screenshot. As you may know, I’m not a big fan of budgeting…at least the old fashioned way of manually writing down … Read more
No doubt you’ve been hearing about all the ruckus surrounding the Affordable Care Act, aka Obamacare. As of October 1, many Americans have the option of purchasing individual health insurance for the upcoming year at healthcare.gov. By March 31, 2014, the government is expecting you to have health insurance, even if you’re not working, barely … Read more
Last Fall, I had the misfortune of being on the receiving end of a rescue scenario for which, as a former firefighter and EMT, I had trained and performed numerous times: an auto extrication. As I passed through one of Boston’s beloved rotaries (traffic circles for you non-New Englanders) I was met with the force … Read more
If you’re a renter, having renters insurance is extremely valuable. It covers lots of different scenarios you might potentially face, like stolen personal items, guest injuries, and reimbursement for temporary living expenses if your apartment gets damaged in a fire. Trust me, it’s essential — even if you’re convinced nothing will ever happen. Here are … Read more
My dog, Vira, is staring at me as I type—ears up, eyes wide, eagerly waiting for me to stop working and start walking. I adopted Vira only a year ago, and yet it’s a little strange to think I managed without her. Consequently, I don’t like to think about the day when she won’t be … Read more
With so many twenty-somethings scrambling to find career permanence, it may help to know that there are employers you can work for who offer health insurance to their part-time employees. No, that doesn’t mean that you’ll necessarily be able to make a career out of such a job. But it does mean that you may … Read more
Most of us have what would be best termed as “basic knowledge” of car insurance procedures and practices. That doesn’t help much when it comes time to shop for a new policy. Before you do, you should be ready with questions that help cover the finer points of a policy. The idea isn’t to get the best policy possible, or … Read more
How difficult is it to get an FHA loan for a condo? It’s either incredibly easy—or, it’s impossibly hard. Here’s why… A condo MUST be in an approved project—and the approval list is short! If you are interested in purchasing a condominium, you may find that your ability to get an FHA loan is extremely … Read more
When you complete quotes online, most insurance providers will “strongly recommend” or even default in some level of collision and comprehensive coverage. Statistically, most drivers just roll with it (pun intended). 74% and 78% of drivers are covered by collision and comprehensive coverage, respectively, costing them an extra $900 per year (according to Insurance.com). But what … Read more