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If you’re looking for life insurance coverage, you’ll be choosing between term and permanent coverage. Permanent coverage will extend without being confined to a set period. There’s whole coverage, which means you’ll be covered your entire life, and there’s universal coverage, which has a nice savings element to it. Image via Brian So Insurance.Read more

There are two different types of life insurance: term life insurance and permanent life insurance. Term life insurance will allow you to be covered for only a short period of time, so once that time period passes, you’ll either need to extend or find something new. If you happen to die during the term, thenRead more

Refinancing your student loans is a great way to reduce your loan debt, which is especially helpful for recent grads who don’t need to be held back when there’s so much opportunity ahead of them. By doing so, you’ll find yourself in a situation where you play less interest rates and will be able toRead more

For anyone who took out Stafford Loans, PLUS Loans, or Federal Perkins Loans then you will have the option to consolidate your loans. This means that you’ll have less monthly payments and a fixed interest rate. Unfortunately, though, it also means that it has a longer term so you’ll be paying it off for aRead more

Statistics show that there is at least one home invasion every 15 seconds. Many of those times, the home owner is present. It makes sense then that so many homeowners are looking for solutions to stay safe. Check out these great affordable products recommended by consumers, industry experts and security professionals. They are guaranteed toRead more

Good drivers, rejoice: It’s likely easier for you to find a cheaper auto insurance premium! Insurance companies want to work with good drivers and promote safety on the road, so it only makes sense that they’ll want to partner with people don’t have any marks on their driving records. These are the different types ofRead more

Those in the military get housing benefits, but four more states just got military-friendly loans: Georgia, Florida, North Carolina, and Pennsylvania. The Georgia Dream program provides assistance to first-time buyers, those that haven’t owned a house in three or more years, and those who live in designated areas. The Florida Housing Finance Corporation gives a FloridaRead more

Alaskan utility customers may soon find a pleasant surprise in the form of loans. For energy efficient upgrades and adding renewable energy systems, they will be paid back through their monthly bills. Known as “on-bill financing,” this is already done throughout the country. Gov. Bill Walker signed a bill into law to suspend service toRead more

No one wants to deal with taking out a mortgage loan and having it denied. Recently the Urban Institute calculated real denial rates to determine which mortgage loans are denied most often. Government-backed loans get denied less than conventional loans. Forbes reported that “conventional loan applications are denied almost 50% of the time, versus just overRead more

For those who built a home rather than bought an existing one, you might notice that traditional mortgages aren’t applied. Instead, you’ll likely have to get a construction loan. But what is a construction loan, you may be wondering? They’re high-interest, short-term loans that cover the costs of building or rehabilitating a home. They’re basedRead more