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Best balance transfer & cash back credit cards, personal

MagnifyMoney's free tools find the lowest credit card interest rates, the cheapest personal loans and the best cash back credit cards and savings accounts.

Actived: Wednesday Jan 13, 2021

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The Pros and Cons of Gap Insurance - MagnifyMoney

Details: What Is Gap Insurance? Medical gap insurance is a supplemental health plan that acts as a cushion for people and businesses who carry high-deductible health care plans. Simply put, it’s like insurance for your insurance. Gap insurance policies are not major medical insurance, and they come with very limited benefits.

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What Is SIPC Insurance and How Does it Work? | MagnifyMoney

Details: SIPC insurance only makes you whole if your brokerage goes out of business. It does not cover losses that stem from the regular ups and downs of the markets, which are part of the normal risks and rewards of investing. SIPC insurance won’t help you if your wealth manager makes terrible investment decisions, or if the account underperforms.

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How Much Insurance Do I Really Need? — MagnifyMoney

Details: Most insurance websites include insurance calculators to make it easy to figure out what your costs could be for a variety of different plans. Using State Farm’s calculator for example, a $500,000, 20-year term policy for a 30-year-old woman in Arizona is about $33 a month. Comparatively, a whole-life policy is $460 a month.

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Understanding FDIC Insurance Thoroughly | MagnifyMoney

Details: FDIC insurance covers deposits in banks across the country, but it does not insure deposits at credit unions. That’s why the National Credit Union Insurance Fund, administered by the National Credit Union Administration (NCUA), was established in 1970.

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How to Maximize the FDIC Insurance Limit | MagnifyMoney

Details: What is the FDIC insurance limit? The FDIC protects consumers in the event of a bank failure, offering up to $250,000 in insurance coverage for each ownership category. In other words, if you have a personal checking account, a personal savings account, a joint checking account, and a CD at your bank, each of those accounts is automatically

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Can I Use Life Insurance to Pay Off Debt? - MagnifyMoney

Details: But whole life insurance lasts for your entire life, building cash value with each premium payment you make. That cash value can ultimately be tapped for a loan if necessary. But, before you say “sign me up,” Sa El, co-founder of Simply Insurance , a licensed insurance agency, said you must understand how the process works as well as the

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How to Obtain a Coverage Gap Exception

Details: If your insurance company denies your coverage gap exception, they have 30 days to let you know in writing, but you can find out via phone within 7-10 days. It is worthwhile to appeal a denied coverage gap exception. Oftentimes, insurance companies deny gap exceptions based on incorrect information.

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How Does a Long-Term Care Annuity Work? | MagnifyMoney

Details: While long-term care insurance has been getting more expensive over the years, it is set up as a monthly premium payment like other types of insurance. You may find it easier to pay the $3,490 per year (on average for a couple in their 60s) in LTC insurance premiums, according to 2018 data from the American Association for Long-Term Care

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Best balance transfer & cash back credit cards, personal

Details: MagnifyMoney's free tools find the lowest credit card interest rates, the cheapest personal loans and the best cash back credit cards and savings accounts.

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Medical Bill Debt Forgiveness: How to Reduce Your Hospital

Details: Your insurance denied a claim they should pay out. You were double-billed. Your service was coded incorrectly. Your personal information or insurance information was entered incorrectly. If you discover you were charged for a service that’s covered by your plan, contact your insurer right away.

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NCUA vs FDIC: Understanding the Differences | MagnifyMoney

Details: The FDIC is the Federal Deposit Insurance Corporation, the government agency that insures customer deposits in banks and thrift institutions. FDIC insurance covers all deposit accounts, from checking and savings to CDs and money market accounts, and even some types of retirement accounts. The FDIC provides up to $250,000 of insurance per

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Do I Need Disability Insurance? A Complete Guide

Details: Long-term disability insurance is a complicated product with a lot of terms and conditions that vary policy to policy. Finding a good, independent disability insurance agent who isn’t beholden to any particular insurance company can help you secure the right policy at the right price for your specific situation.

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SIPC vs. FDIC: What's the Difference? | MagnifyMoney

Details: The Securities Investment Protection Corporation (SIPC) and the Federal Deposit Insurance Corporation (FDIC) each play a major role in consumer financial protection. The two agencies insure banks and other financial entities, so that if a bank were to fail, consumers and their money would remain protected.

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Banks That Will Pay For Your Broken iPhone - MagnifyMoney

Details: If your phone can’t be repaired, the insurance provider will pay for a replacement purchased directly from the store (in person or online) of your wireless carrier. There is a catch: your phone might be more expensive than $600 when bought brand-new without a contract extension. New iPhones run $649 to $800+ depending on features.

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Do You Really Need Pet Insurance? - MagnifyMoney

Details: Insurance appeals to pet owners who prefer to pay a monthly cost for future health expenses instead of doling out hundreds, or even thousands, of dollars when care is needed. When Destin Miller’s mixed border collie, O zil , had gastric problems, her pet insurance from Trupanion covered $320 of the $350 bill for medication, fluids, blood work

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How to Contact Chase Customer Service | MagnifyMoney

Details: Homeowner’s insurance inquiries: 1-877-530-8951. Chase Attn: Customer Service Research Mail Code: OH4-7302 P.O. Box 24696 Columbus, OH 43224-0696 Exclusive address for notices of error, requests for information and qualified written requests: Chase P.O. Box 183166 Columbus, OH 43218-3166. Investments and retirement planning

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What to Know About Unemployment Benefits During the

Details: Unemployment insurance is a joint federal-state program offered by the U.S. Department of Labor that doles out cash payments to eligible workers. The program was established in 1935 and is intended to replace a portion of wages for workers who have lost their job through no fault of their own, as long as they are able and willing to work.

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3% Down? Why Small Down Payment Mortgages Could Be a Bad Idea

Details: Homeowners insurance: This covers certain damages to your home, the loss of personal belongings and covers your liability in the case that you accidentally injure someone or damage his or her property. Lenders typically require homeowners insurance and collect your payments in an escrow account, making payments to the insurance company for you.

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www.magnifymoney.com

Details: Our Fine Print. We hate fine print. We created this entire site because of the nasty fine-print habits of other companies. Unfortunately, the legal team insist we include the foll

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Can You Still Get a Piece of the Wells Fargo Settlement

Details: Who was covered by the Wells Fargo settlement? According to the official Wells Fargo settlement website, there are three main qualifications for people to be a part of the settlement:. If you had one or more unauthorized Wells Fargo accounts opened in your name between May 1, 2002, and April 20, 2017.

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Zelle Fraud Protection: What You Need to Know Before

Details: Zelle Fraud Protection: What You Need to Know Before Transferring Funds. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone.

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How to File for Unemployment Insurance - MagnifyMoney

Details: Offered by the U.S. Department of Labor, unemployment insurance is a joint, federal-state program that gives eligible workers cash payments for a set period of time while they search for employment. Unemployment insurance can be the parachute you need when your source of income suddenly evaporates.

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Term vs Whole Life Insurance - MagnifyMoney

Details: Term life insurance provides financial protection for the amount of time that you need it and no more. You should hope it doesn’t pay out, because that just means that you didn’t die early. Like your car insurance, it’s good to have in case of an emergency, but the best case scenario is never having to file a claim.

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Review of Mercer Advisors in 2021 | MagnifyMoney

Details: The Mercer Advisors team will discuss your financial goals, values and motivations to craft a customized financial plan. The plan may include a proposed budget, a customized investment and tax strategy and an insurance review, as well as a number of other components, depending on your needs.

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Find a Financial Advisor - MagnifyMoney

Details: Certified Financial Planners (CFP) are educated and trained in eight areas of financial planning, including taxes, retirement, estates, insurance and risk management. In addition to their initial education and examination, CFPs must complete 30 hours of continuing education every two years.

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The Ultimate Guide to Understanding Annuities | MagnifyMoney

Details: Insurance companies and their representatives must register with the insurance commissioner in every state where they want to sell these contracts. The insurance commissioner will verify that the company is financially stable enough to meet its obligations and that it is following the rules for managing these plans.

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Review of LPL Financial in 2021 | MagnifyMoney

Details: LPL Financial was founded in 1989 after the merger of two smaller brokerage firms, Linsco and Private Ledger. With 16,109 advisors and 17,205 licensed insurance agents on its staff, LPL has $159.1 billion in assets under management LPL Financial is owned by LPL Financial Holdings, a publicly traded firm.

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5 Steps to Take When Your Car is Repossessed

Details: Besides defaulting on a loan, in some states, your car may be repossessed when your insurance lapses. If you’ve stopped paying your car insurance, find out from your creditor or DMV if that’s the reason your car is missing and ask what the penalties are for not keeping insurance. Step 3: Explore Options to Reclaim the Car

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What You Need to Know About Wage Garnishment - MagnifyMoney

Details: Deductions often paid through payroll such as health insurance premiums, union dues and charitable contributions are not deducted from earnings when calculating disposable earnings. Once disposable earnings are calculated, the Consumer Credit Protection Act limits the amount of earnings that may be garnished in any workweek or pay period to 25%

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Dealer Fees to Know When Buying a Car | MagnifyMoney

Details: GAP insurance costs. In some cases, buying GAP insurance if you’re buying a new vehicle and want to add extra protection may be a good idea — it can cover the “gap” between an auto insurance claim payment and the amount of money owed on a heavily damaged or destroyed vehicle. The thing is, you don’t have to buy it from the lender or

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Post-Hurricane Guide to Insurance, Disaster Relief and More

Details: And sometimes, flood insurance policies only cover code upgrades if the damage done to the system is 50% or more. Finally, Bach tells MagnifyMoney that flood insurance generally does not cover the costs of living elsewhere while your home is repaired. In those cases, your homeowners insurance policy may cover your displacement costs. Wind.

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Is it a Good Idea to Refinance with Your Current Lender

Details: Current mortgage statement: Your current mortgage statement has information about your total current payment, interest rate and even mortgage insurance premiums, property taxes and insurance. This information will allow the lender to provide more accurate cost estimates based on the terms of your current mortgage versus the new one.

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How Personal Loans Work: Everything From Application to

Details: How do personal loans work? A personal loan is a lump-sum loan with a fixed APR and fixed monthly payments. When you take out a personal loan, the lender typically deposits funds directly into your bank account, and you can use a personal loan to pay for virtually anything.

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Guide to Health Sharing Ministries: Better than Health

Details: “It takes a whole different mindset than insurance.” As health care expenses have ballooned over the last decade, health care sharing ministries have gained in popularity as a lower cost alternative to traditional insurance. Their numbers still pale in comparison to people who receive insurance through employers or the federal marketplace.

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2018 U.S. Mortgage Market Statistics - MagnifyMoney

Details: As recently as 2010, three banks (Wells Fargo, Bank of America and Chase) originated 56% of all mortgages. 13 But in 2017, Wells Fargo, Bank of America and Chase and all banks put together originated just 40% of all loans. 9 “Nonbank” lending, both credit unions and nondepository lenders have continued to cut into banks’ share of the mortgage market.

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Review of Fidelity Personal and Workplace Advisors in 2021

Details: The firm earns compensation by referring clients to certain independent financial advisors, as well as from selling life insurance or annuities. This creates a potential conflict of interest as advisors may be financially incentivized to make certain recommendations. Uses affiliated brokers.

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The Ultimate Guide to Obamacare: Updated for 2018

Details: Affordable insurance for 2018 is defined as individual coverage through an employer that costs less than 9.56 percent of your household’s income. You can check that your insurance offers minimum-value coverage by having your human resources representative fill out this form.

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Deposit Accounts Guide: Understanding the Types | MagnifyMoney

Details: All deposit accounts offer two primary features: security and interest. Security. When deposited into an insured financial institution, your money is protected in the event of bank failure up to the legal amount per account by the Federal Deposit Insurance Corporation (FDIC), or up to the legal amount per credit union account by the National Credit Union Administration (NCUA).

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8 Tax-Free Investments You Can Add To Your Portfolio

Details: 8. Indexed universal life insurance. What it is: Indexed universal life (IUL) insurance is a type of permanent life insurance policy that not only offers a death benefit but a cash account that pays out interest at a rate that is based on the performance of the stock market. With an IUL, part of your payment goes toward your life insurance

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What Is a Financial Plan and How Do I Make One?

Details: A thorough financial plan will take into account your assets, debts, cash flow, insurance, retirement and any other pieces in your financial puzzle. You can create a financial plan with a professional financial planner or a free DIY plan on your own. We’ll take you through the steps of creating a financial plan below.

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HSA Investment: How to Invest Your Funds | MagnifyMoney

Details: How to Invest Your HSA Funds. Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.

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Best Financial Advisors in North Carolina 2021: Fees and

Details: For individual investors, the firm provides portfolio management and financial planning, which includes help with budgeting, insurance, taxes and estate planning. In addition, the firm prepares taxes for clients, and also offers consulting for employee retirement plans and services for trusts.

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USAA CD Rates as of January 2021: Review | MagnifyMoney

Details: Founded and based in San Antonio, USAA is an FDIC-insured bank, insurance and financial services company that serves current and former military members and their families. Started by 25 U.S. Army officers, USAA has since grown to more than 11 million members.

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Review of Amerprise Financial Services in 2021 | MagnifyMoney

Details: The firm also sells a wide range of financial products including insurance, annuities, credit cards, college savings plans and retirement plans. If you don’t need advice, Ameriprise Financial Services is a stand-alone broker so you can make investments on your own, without an advisor.

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How to Pay Off Your Car Loan Faster | MagnifyMoney

Details: Cancel any add-ons. Common auto loan add-ons include guaranteed asset protection (GAP) waivers, service contracts or extended warranties, tire and wheel warranties and more — you may have agreed to these when you bought your car without understanding the full cost.Canceling them will decrease how much you owe on your auto loan, allowing you to pay off your car loan faster.

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How to Pay for Medical Expenses with Bad Credit

Details: More than a quarter of U.S. adults — with and without health insurance — have trouble paying medical bills, according to the Kaiser Family Foundation and The New York Times. Medical bills can lead to a cascade of financial difficulties — collections calls, damaged credit or even bankruptcy.

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Best Financial Advisors in Cincinnati 2020: Fees and

Details: Headquartered in Cincinnati, the firm has three additional offices in Beechwood, Ohio; Albany, New York; and San Francisco. Today, Fort Washington Investment Advisors is owned by Western & Southern Investment Holdings, and is the main investment division of Western & Southern Financial Group and its insurance affiliates.

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9 Low-Risk Investments to Consider for Your Portfolio

Details: Cash management accounts also may have higher FDIC insurance limits than savings accounts, as the money may be kept in multiple partner banks at a time. Liquidity level: Cash management accounts offer limitless transfers between the checking and savings portion of the account. In fact, those transfers happen instantaneously.

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