If you’ve been declined or are looking to get a more affordable rate, you may consider working with an impaired risk agent or underwriter. The video below provides a good overview of how impaired risk underwriting provides an option for many people who struggle to find insurance, like the ...
The digital book, which is available for free during this time, provides tips and debt management advice for people who struggle to pay their bills. The NCLC categorizes different types of debts into high, medium or low priority so you know which to focus on paying off first when you're ...
Many Americans struggle with credit card debt. Half of American cardholders (50 percent) carry a balance from month to month, according to the latest Bankrate Credit Card Debt Survey. And the Federal Reserve Bank of New York reports that national credit card debt is at a whopping $1.14 trill...
If your medical expenses are significant, you might also want to consult with a tax advisor. They can discuss whether you have options to pay off medical bills in a tax-advantaged way. Be sure to keep your bills current Keep in mind that if you ignore medical bills long enough, some de...
This creates ‘struggle’ and disconnection in many areas of our lives. And while a handful of people might get lucky and find their own unique reason for being, abundance, gifts and joy… The sad truth is that99% of people don’t.Ralph Waldo Emerson understood this when he said: ...
Although diversity is a great investment, human resources teams often struggle to push through with their DEI initiatives. Why? Many companies lack data to justify investments. Only 15% of companies connect their DEI progress to business outcomes such as increased profitability or productivity. Those...
With higher rent payments and utility costs climbing, your “cost of living” raise does not cover your actual living costs. The credit card finance charges begin to mount. The next month, you struggle to scrape together your payment — but it’s late, and your credit card company tacks ...
Fortunately, I don't think we don't have to speculate because this question has been well-studied; we know pretty much for certain that people often struggle to follow through on what they 'know' would be all-round good behaviours in the medium term if there's even a small upfront ...
“[That’s] when you can only afford your home and utilities and everything else is a struggle. Never assume that because a lender says you can qualify that you actually can afford the payment.” As a new homeowner, you may also encounter expenses on top of your mortgage that you’re ...
If consumers don’t pay off their full statement, high interest rates add more money to their bills than many think, Paulson said. A recent study found half of Americans areunaware of how expensive borrowingon a credit card actually is. The average rate on credit ca...