Personal Finance

Reuters reported that catastrophes will drive insurance rates higher, “Big insurance losses from hurricanes, wildfires and other natural disasters over the past two years are set to push reinsurance renewal rates higher in January, ratings agencies said. Insurers are increasingly concerned about the impact of bad weather linked to climate change, with an increase in…

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Although investing your money in a particular venture brings about inherent risks, many people still do so for the possibilities of gaining more profit in the long run. However, considering how many people may not be comfortable with the thought of staking their cash away and not getting the necessary results that they have wanted…

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Asset Allocation is the process of dividing investments among different kinds of asset classes (such as stocks, bonds, cash, real estate, commodities, etc.) to try to meet specific financial goals. Traditional asset allocation models do not work for real people because their portfolios are much different from institutional portfolios. The portfolios of most people do…

Read More Asset Allocation vs Diversification

There are some shocking statistics about the state of the economy today and the amount of debt that people have accumulated. All this goes to show just how important it is to save money and here are five top tips for saving and a little debt help for those that need it. 1. Review you…

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In order to keep your car, home, apartment, or health insured, you need to pay your monthly premium. An insurance premium is a monthly or annual payment made to an insurance company that keeps your policy active. Health insurance, life insurance, auto insurance, disability insurance, homeowners insurance, and renters insurance all require the policyholder to…

Read More Every type of insurance has a monthly payment called a premium, and how much you pay depends on how risky you are