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If you own a small business or intend to buy or start one, you will probably be borrowing money at some point — and possibly more than once. You may need money for startup costs, expansion, cash-flow management, disaster recovery, or any number of uses requiring operating funds and/or capital investment. Unless you have a
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The National Fire Protection Association reports that there were 370,000 home fires that fire departments responded to in 2011, resulting in almost 14,000 injuries and 2,500 deaths, along with nearly $7 billion in direct damage. These NFPA statistics show that fires occur with sufficient frequency that it is a wise decision to carry fire insurance
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The Federal Deposit Insurance Corporation (FDIC) is a U.S. Government regulatory agency that has three primary purposes: Insure bank deposits of member banks; Assist with banking regulations; Deal with failing banks. Let’s look at each of these jobs in a little more detail. Deposit Insurance The FDIC does insure bank deposits in
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Investors have long valued Certificates of Deposits (CDs) as a low-risk savings tool. Most types of CDs are straightforward; the more you deposit and the longer the term, the higher the interest rate and return. In addition, many come with insurance from the FDIC. In today’s investment environment, historically low interest rates have made CDs
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Earthquake coverage can usually be added to a home or business policy and is not normally purchased as a separate policy. The standard homeowner’s policy has an exclusion for “Earth Movement”, which includes earthquakes, landslides, mudflows, sinkholes, and more. What is an earthquake? A sudden and violent shaking of the ground, sometimes causing great destruction,
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Supplemental insurance is an additional form of insurance that is designed to cover expenses that standard insurance available in your state may not include. This form of insurance often covers expenses for health care that other forms of insurance such as Medicare, Medicaid or a company healthcare policy may not cover. Standard health insurance policies
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Stock options were formerly considered best left to stock trading professionals. But these days, trading stock options is almost as easy as buying and selling shares of stocks or mutual funds. Stock options are even allowed in self-directed Individual Retirement Accounts (IRA’s). Even as options have become easier to access and trade, they may still
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In less than thirty seconds, a small fire can grow completely out of control and turn into a major fire that spreads throughout the house. Within minutes, your home can be filled with smoke. Preventing fires is the easiest way to avoid a potentially dangerous situation. While in the kitchen, follow these safety precautions: Unplug
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The National Flood Insurance Program is a government program run by the Federal Emergency Management Agency (FEMA). If your home or business is located within a 100-year flood zone as determined by FEMA, you will be required to purchase flood insurance to obtain a mortgage or business loan. Flood insurance must be purchased as a
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Scheduling Items on your Homeowners policy The term “Homeowners Insurance” is used for insurance policies that insure a person’s primary, owner-occupied residence. This can be a single family home, a multi-family (up to 4 apartments) home, an apartment or condominium. Each residence is insured through a different type of “homeowners” policy. Each policy covers personal
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CD or Savings Account: One, Both, or Neither? Finding an investment product that best meets your unique needs can be confusing and frustrating. There are so many out there, including mutual funds, money markets, stocks, bonds, and annuities, to name a few. Books have been written comparing and contrasting each one of these. This article
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