KNOWLEDGE FINANCIAL.COM
INSURANCE 101
15 Insurance Policies You Don't Need
1. Private Mortgage Insurance
The infamous private mortgage insurance (PMI) is well known to homeowners because it increases the amount of their monthly mortgage payments. PMI is an insurance policy that protects the lender against
loss when lending to a higher-risk borrower. The borrower pays for this insurance but derives no benefit. Fortunately, there are several ways to avoid paying for this unnecessary policy. PMI is required if you
purchase a home with a down payment of less than 20% of the home's value. The small down payment is viewed as putting you at risk of defaulting on the loan. Put down at least 20% and the PMI requirement
goes away. Alternatively, you can put down 10% and take out two loans, one for 80% of the sale price of the property and one for 10%, although interests rates can prevent the economics of this maneuver
from working out in the homeowner's favor.
1. Private Mortgage Insurance
The infamous private mortgage insurance (PMI) is well known to homeowners because it increases the amount of their monthly mortgage payments. PMI is an insurance policy that protects the lender against
loss when lending to a higher-risk borrower. The borrower pays for this insurance but derives no benefit. Fortunately, there are several ways to avoid paying for this unnecessary policy. PMI is required if you
purchase a home with a down payment of less than 20% of the home's value. The small down payment is viewed as putting you at risk of defaulting on the loan. Put down at least 20% and the PMI requirement
goes away. Alternatively, you can put down 10% and take out two loans, one for 80% of the sale price of the property and one for 10%, although interests rates can prevent the economics of this maneuver
from working out in the homeowner's favor.
3. Automobile Collision
Collision insurance is designed to cover the cost of repairs to your vehicle if you are involved in an accident. If you have a loan out on the car, the loan issuer is likely to require that you have collision
insurance. If your car is paid off, collision is optional; therefore, if you have enough money in the bank to cover the cost of a new car, collision insurance may be an unnecessary expense. This is particularly
true if you are driving an old car, because cars depreciate so quickly that many vehicles are worth only a fraction of their purchase price by the time the loan is paid in full.
4. Rental Car Insurance
Most auto insurance policies offer additional coverage for the cost of car rentals, touting it as a useful feature if your car is ever involved in an accident and needs to spend some time in the repair shop. This
may sound like a good idea, but in reality, most people rarely rent a car, and when they do, the cost is relatively low and hardly worth insuring against. Although rental car insurance is relatively inexpensive,
amortized over the course of a lifetime you are still likely to spend far more than you will benefit.
5. Car Rental Damage Insurance
Many auto insurance policies already cover rentals, so there's no need to pay for this twice. Check your policy before you pay. Depending on where you rent the vehicle, you may also be able to pay a small
fee for insurance on your rental when you pick it up at the rental center. If this fee is less than what you'd pay for a year in your old policy, choose the fee over the policy.
6. Flight Insurance
Flight insurance coverage is completely unnecessary. Despite media portrayal, airline accidents are relatively rare, and your life insurance policy should already provide coverage in the event of a
catastrophe. (For more information on life insurance, see How Much Life Insurance Should You Carry?, Life Insurance Distribution And Benefits and Life Insurance Clauses Determine Your Coverage.)
7. Water Line Coverage
Water companies have made an aggressive push to sell policies that cover the repair of the water line that runs from the street to your house. The odds are in your favor that you will never use this coverage,
particularly if you live in a newer home. If you live an average suburban neighborhood and you do need to repair the water line, the distance to the street is short, the likelihood of a problem is low and repair
costs are a few thousand dollars or less. The same goes for policies offered by other utility companies.
8. Life Insurance for Children
Life insurance is designed to provide a safety net for your heirs/dependents. Because children don't have heirs to worry about and, statistically speaking, most kids will grow up safe and healthy, most
parents should not purchase life insurance for their kids. Instead, use the money that you would have spent on life insurance to fund an education plan or an individual retirement account (IRA). (To read more
on saving money for your kids, see Investing In Your Child's Education, Teaching Your Child To Be Financially Savvy and Don't Forget The Kids: Save For Their Education And Retirement.)
9. Flood Insurance
Unless you live in a flood plain or an area with a history of water problems, don't even bother buying flood insurance. If none of the homes in the area has ever been flooded, yours is unlikely to be the first.
10. Credit Card Insurance
Purchasing coverage to pay your credit card bill in the event you cannot pay it is a waste of money. A far better idea is to avoid running up your credit cards in the first place, so you won't need to worry about
the bills. Not only do you not save on the insurance premiums, you'll also save the interest on your debt.
11. Credit Card Loss Insurance
Federal law limits your liability if your credit card is stolen. Your out-of-pocket costs are limited to $50 per card and not a penny more. In fact, many credit card companies don't even try to collect the $50.
12. Mortgage Life Insurance
Mortgage life insurance pays off your house in the event of your death. Rather than add another policy - and another bill - to your list of insurance plans, it makes more sense to get a term-life policy instead. A
good life insurance policy will provide enough money to pay off the mortgage and to cover other expenses as well. After all, the mortgage isn't the only bill your survivors will need to pay.
13. Unemployment Insurance
This coverage makes minimum payments on your bills if you are out of work, which sounds like an attractive proposition. A better plan is to save your money and build up an emergency fund instead. You
won't have to cover the cost of the insurance policy and, if you are never out of work, you won't spend any money at all. (Find out how to create an emergency fund in Build Yourself An Emergency Fund.)
14. Disease Insurance
Policies are available to cover cancer, heart disease and other maladies. Instead of trying to identify every possible disease that you may encounter, get a good medical coverage policy instead. This way,
your medical bills will be covered regardless of the problem you face.
15. Accidental-Death Insurance
Unless you are extraordinarily accident prone, an accident is unlikely. Major catastrophes such as car wrecks and fires are covered under other policies, as is any harm that comes to you while at work.
Accidental-death policies are often fraught with stipulations that make them difficult to collect on, so skip the hassles and get life insurance instead.
When Choosing Insurance
There are so many policies to chose from, and they all cost money. While a certain amount of insurance coverage is necessary and prudent, you need to choose carefully. In general, broad policies that offer
coverage for a multitude of potential events are a better choice than limited-scope policies that focus on specific diseases or potential incidents. Before you buy any policy, read it carefully to make sure that
you understand the terms, coverage and costs. Don't sign on the dotted line until you are comfortable with the coverage and are sure that you need it.
1. Private Mortgage Insurance
The infamous private mortgage insurance (PMI) is well known to homeowners because it increases the amount of their monthly mortgage payments. PMI is an insurance policy that protects the lender against
loss when lending to a higher-risk borrower. The borrower pays for this insurance but derives no benefit. Fortunately, there are several ways to avoid paying for this unnecessary policy. PMI is required if you
purchase a home with a down payment of less than 20% of the home's value. The small down payment is viewed as putting you at risk of defaulting on the loan. Put down at least 20% and the PMI requirement
goes away. Alternatively, you can put down 10% and take out two loans, one for 80% of the sale price of the property and one for 10%, although interests rates can prevent the economics of this maneuver
from working out in the homeowner's favor.
1. Private Mortgage Insurance
The infamous private mortgage insurance (PMI) is well known to homeowners because it increases the amount of their monthly mortgage payments. PMI is an insurance policy that protects the lender against
loss when lending to a higher-risk borrower. The borrower pays for this insurance but derives no benefit. Fortunately, there are several ways to avoid paying for this unnecessary policy. PMI is required if you
purchase a home with a down payment of less than 20% of the home's value. The small down payment is viewed as putting you at risk of defaulting on the loan. Put down at least 20% and the PMI requirement
goes away. Alternatively, you can put down 10% and take out two loans, one for 80% of the sale price of the property and one for 10%, although interests rates can prevent the economics of this maneuver
from working out in the homeowner's favor.
3. Automobile Collision
Collision insurance is designed to cover the cost of repairs to your vehicle if you are involved in an accident. If you have a loan out on the car, the loan issuer is likely to require that you have collision
insurance. If your car is paid off, collision is optional; therefore, if you have enough money in the bank to cover the cost of a new car, collision insurance may be an unnecessary expense. This is particularly
true if you are driving an old car, because cars depreciate so quickly that many vehicles are worth only a fraction of their purchase price by the time the loan is paid in full.
4. Rental Car Insurance
Most auto insurance policies offer additional coverage for the cost of car rentals, touting it as a useful feature if your car is ever involved in an accident and needs to spend some time in the repair shop. This
may sound like a good idea, but in reality, most people rarely rent a car, and when they do, the cost is relatively low and hardly worth insuring against. Although rental car insurance is relatively inexpensive,
amortized over the course of a lifetime you are still likely to spend far more than you will benefit.
5. Car Rental Damage Insurance
Many auto insurance policies already cover rentals, so there's no need to pay for this twice. Check your policy before you pay. Depending on where you rent the vehicle, you may also be able to pay a small
fee for insurance on your rental when you pick it up at the rental center. If this fee is less than what you'd pay for a year in your old policy, choose the fee over the policy.
6. Flight Insurance
Flight insurance coverage is completely unnecessary. Despite media portrayal, airline accidents are relatively rare, and your life insurance policy should already provide coverage in the event of a
catastrophe. (For more information on life insurance, see How Much Life Insurance Should You Carry?, Life Insurance Distribution And Benefits and Life Insurance Clauses Determine Your Coverage.)
7. Water Line Coverage
Water companies have made an aggressive push to sell policies that cover the repair of the water line that runs from the street to your house. The odds are in your favor that you will never use this coverage,
particularly if you live in a newer home. If you live an average suburban neighborhood and you do need to repair the water line, the distance to the street is short, the likelihood of a problem is low and repair
costs are a few thousand dollars or less. The same goes for policies offered by other utility companies.
8. Life Insurance for Children
Life insurance is designed to provide a safety net for your heirs/dependents. Because children don't have heirs to worry about and, statistically speaking, most kids will grow up safe and healthy, most
parents should not purchase life insurance for their kids. Instead, use the money that you would have spent on life insurance to fund an education plan or an individual retirement account (IRA). (To read more
on saving money for your kids, see Investing In Your Child's Education, Teaching Your Child To Be Financially Savvy and Don't Forget The Kids: Save For Their Education And Retirement.)
9. Flood Insurance
Unless you live in a flood plain or an area with a history of water problems, don't even bother buying flood insurance. If none of the homes in the area has ever been flooded, yours is unlikely to be the first.
10. Credit Card Insurance
Purchasing coverage to pay your credit card bill in the event you cannot pay it is a waste of money. A far better idea is to avoid running up your credit cards in the first place, so you won't need to worry about
the bills. Not only do you not save on the insurance premiums, you'll also save the interest on your debt.
11. Credit Card Loss Insurance
Federal law limits your liability if your credit card is stolen. Your out-of-pocket costs are limited to $50 per card and not a penny more. In fact, many credit card companies don't even try to collect the $50.
12. Mortgage Life Insurance
Mortgage life insurance pays off your house in the event of your death. Rather than add another policy - and another bill - to your list of insurance plans, it makes more sense to get a term-life policy instead. A
good life insurance policy will provide enough money to pay off the mortgage and to cover other expenses as well. After all, the mortgage isn't the only bill your survivors will need to pay.
13. Unemployment Insurance
This coverage makes minimum payments on your bills if you are out of work, which sounds like an attractive proposition. A better plan is to save your money and build up an emergency fund instead. You
won't have to cover the cost of the insurance policy and, if you are never out of work, you won't spend any money at all. (Find out how to create an emergency fund in Build Yourself An Emergency Fund.)
14. Disease Insurance
Policies are available to cover cancer, heart disease and other maladies. Instead of trying to identify every possible disease that you may encounter, get a good medical coverage policy instead. This way,
your medical bills will be covered regardless of the problem you face.
15. Accidental-Death Insurance
Unless you are extraordinarily accident prone, an accident is unlikely. Major catastrophes such as car wrecks and fires are covered under other policies, as is any harm that comes to you while at work.
Accidental-death policies are often fraught with stipulations that make them difficult to collect on, so skip the hassles and get life insurance instead.
When Choosing Insurance
There are so many policies to chose from, and they all cost money. While a certain amount of insurance coverage is necessary and prudent, you need to choose carefully. In general, broad policies that offer
coverage for a multitude of potential events are a better choice than limited-scope policies that focus on specific diseases or potential incidents. Before you buy any policy, read it carefully to make sure that
you understand the terms, coverage and costs. Don't sign on the dotted line until you are comfortable with the coverage and are sure that you need it.
Casualty Insurance ---------------------KNOWLEDGEFINANCIAL.COM
A broad category of coverage against loss of property, damage or other liabilities. Casualty insurance includes vehicle insurance, liability insurance, theft insurance and elevator
insurance.
An important type of casualty insurance for businesses is workers' compensation insurance, which protects a company from liabilities that arise when a worker is injured on the
job. For homeowners or car owners, it's important to have casualty insurance as damage can end up being a large expense
Do You Need Casualty Insurance?
is generally defined as a form of risk management, where risk is transferred from oneentity to another in exchange for a premium. Casualty insurance, like property insurance,
insures against loss and/or damage of property. The difference is that casualty insurance covers loss that is a result of direct accident, while property insurance covers events,
such as theft or burglary
This article will focus on three major types of casualty insurance:
Vehicle insurance ------------------------ KNOWLEDGEFINANCIAL.COM
Flood insurance
Liability insurance
Vehicle Insurance
Vehicle or auto insurance is designed to protect a driver's car, truck, motorcycle and other vehicles against losses sustained from events like traffic accidents. You agree to pay
the premium, and in the event of an accident, the insurance company agrees to pay your losses as defined in your policy. In most states, except Wisconsin and New Hampshire,
having auto insurance is compulsory
Vehicle insurance has the following six types of coverage:
1. Bodily Injury Liability: If you, the policyholder, are involved in a traffic accident and the other driver is injured, bodily injury liability takes care of the medical costs for the
injured party. This kind of coverage is beneficial because you are protected from the risk of being sued.
2. Personal Injury: This coverage is like the bodily injury coverage, but the difference is that it pays for the injury to you, the policyholder, and any passengers in your car.
3. Property Damage: This coverage pays for any damage caused to someone else's property due to an accident. Property includes the other party's car, telephone poles,
fences, lampposts, garages, trash cans, buildings or any other items hit during the accident.
4. Collision: This coverage covers any damages inflicted on your car from a collision with another car, flipping over or even hitting a pothole. If you are at fault for the accident,
the insurance company will pay you back the cost of repairing your car less the deductible. If you are not at fault, the insurance company will try to recover the amount they pay
you from the other driver's insurance company. If they are successful in recovering the money, the insurance company might even reimburse you the deductible.
5. Comprehensive: Comprehensive coverage is a very popular type of insurance coverage. It repays you for loss or damages due to any other event besides traffic accidents,
like theft, fire, flood, earthquake, contact with animals, etc. As with any other coverage, the higher the deductible, the lower the premium paid.
6. Uninsured Motorist Coverage: This coverage protects you, your family members or someone driving your car with your permission if one of you is hit by an at-fault,
uninsured driver. --------------- KNOWLEDGEFINANCIAL.COM
A broad category of coverage against loss of property, damage or other liabilities. Casualty insurance includes vehicle insurance, liability insurance, theft insurance and elevator
insurance.
An important type of casualty insurance for businesses is workers' compensation insurance, which protects a company from liabilities that arise when a worker is injured on the
job. For homeowners or car owners, it's important to have casualty insurance as damage can end up being a large expense
Do You Need Casualty Insurance?
is generally defined as a form of risk management, where risk is transferred from oneentity to another in exchange for a premium. Casualty insurance, like property insurance,
insures against loss and/or damage of property. The difference is that casualty insurance covers loss that is a result of direct accident, while property insurance covers events,
such as theft or burglary
This article will focus on three major types of casualty insurance:
Vehicle insurance ------------------------ KNOWLEDGEFINANCIAL.COM
Flood insurance
Liability insurance
Vehicle Insurance
Vehicle or auto insurance is designed to protect a driver's car, truck, motorcycle and other vehicles against losses sustained from events like traffic accidents. You agree to pay
the premium, and in the event of an accident, the insurance company agrees to pay your losses as defined in your policy. In most states, except Wisconsin and New Hampshire,
having auto insurance is compulsory
Vehicle insurance has the following six types of coverage:
1. Bodily Injury Liability: If you, the policyholder, are involved in a traffic accident and the other driver is injured, bodily injury liability takes care of the medical costs for the
injured party. This kind of coverage is beneficial because you are protected from the risk of being sued.
2. Personal Injury: This coverage is like the bodily injury coverage, but the difference is that it pays for the injury to you, the policyholder, and any passengers in your car.
3. Property Damage: This coverage pays for any damage caused to someone else's property due to an accident. Property includes the other party's car, telephone poles,
fences, lampposts, garages, trash cans, buildings or any other items hit during the accident.
4. Collision: This coverage covers any damages inflicted on your car from a collision with another car, flipping over or even hitting a pothole. If you are at fault for the accident,
the insurance company will pay you back the cost of repairing your car less the deductible. If you are not at fault, the insurance company will try to recover the amount they pay
you from the other driver's insurance company. If they are successful in recovering the money, the insurance company might even reimburse you the deductible.
5. Comprehensive: Comprehensive coverage is a very popular type of insurance coverage. It repays you for loss or damages due to any other event besides traffic accidents,
like theft, fire, flood, earthquake, contact with animals, etc. As with any other coverage, the higher the deductible, the lower the premium paid.
6. Uninsured Motorist Coverage: This coverage protects you, your family members or someone driving your car with your permission if one of you is hit by an at-fault,
uninsured driver. --------------- KNOWLEDGEFINANCIAL.COM
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FORECLOSURE INVESTMENT
The Time is Now to Profit from Foreclosure
A “Perfect Storm” of events has made investing in foreclosure properties better than ever - and now’s the time
for you to profit...
THE HOME BUYING GUIDE!--------------------IMPORTANT THINGS TO KNOW BEFORE BUYING...
The home-buying process doesn't need to be scary. Our step-by-step guide will walk you through the process
and answer your questions on what you should expect from us as your realtor, where
to look for loans, and what to watch out for when closing the deal.
HOME SELLING: WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE!
Selling a home is a big decision and requires a lot of work. From getting the house ready to reviewing the
escrow papers, our helpful guide will walk you through the
process of selling your home.
SHORT SALE: REAL ESTATE INVESTMENT OPPORTUNITY FOR ALL
SHORT SALE allows you to buy as many properties as you want.
Flip them, Hold them, Rent them, Refinance them and make profits.
PRE-CONSTRUCTION, A GREAT WAY TO INVEST IN REAL ESTATE. BUT YOU HAVE TO KNOW THE
SECRETS OF IT.
Florida Real Estate for sale: Wonderful prices, great location,extraordinary view,very spacious.
NO OTHER INVESTMENTS BUILD WEALTH LIKE REAL ESTATE!
NOW REALLY IS A GREAT TIME TO BUY A PROPERTY:
COMPETITIVE PRICES, LOW INTEREST RATES, MANY CHOICES
COMMERCIAL REAL ESTATE; A BETTER WAY TO INVEST AND GET RICHER! MULTI-WAYS TO WIN BIG
IN REAL ESTATE
1031 Exchange, Tax Saving Tips for Real Estate Investors and landlords Give Financial Advantage
MIAMI REAL ESTATE: The Time is Now to Profit from Real Estate investing--
A “Perfect Storm” of events has made investing in Real Estate properties better than ever - and now’s the
time for you to profit...
CALL Mr. ANTONY AT: 786-709-6577 --- Fortune International Realty
COMMERCIAL LEASE: Before you rent space for your business, be sure you understand these basic facts
about commercial leases.
Manufactured Homes, Mobile Homes, an Affordable Housing Alternative
We are dedicated ourselves to helping bring prospective buyers of manufactured homes in contact with
retailers who sell homes in their area. We aim to help buyers wade through the excess of information
providing a simple directory that enables buyers to quickly and efficiently contact us to help them find the
dealers in which they are interested.
The Time is Now to Profit from Foreclosure
A “Perfect Storm” of events has made investing in foreclosure properties better than ever - and now’s the time
for you to profit...
THE HOME BUYING GUIDE!--------------------IMPORTANT THINGS TO KNOW BEFORE BUYING...
The home-buying process doesn't need to be scary. Our step-by-step guide will walk you through the process
and answer your questions on what you should expect from us as your realtor, where
to look for loans, and what to watch out for when closing the deal.
HOME SELLING: WAYS TO SELL A PROPERTY FAST AND EASY FOR THE TOP PRICE!
Selling a home is a big decision and requires a lot of work. From getting the house ready to reviewing the
escrow papers, our helpful guide will walk you through the
process of selling your home.
SHORT SALE: REAL ESTATE INVESTMENT OPPORTUNITY FOR ALL
SHORT SALE allows you to buy as many properties as you want.
Flip them, Hold them, Rent them, Refinance them and make profits.
PRE-CONSTRUCTION, A GREAT WAY TO INVEST IN REAL ESTATE. BUT YOU HAVE TO KNOW THE
SECRETS OF IT.
Florida Real Estate for sale: Wonderful prices, great location,extraordinary view,very spacious.
NO OTHER INVESTMENTS BUILD WEALTH LIKE REAL ESTATE!
NOW REALLY IS A GREAT TIME TO BUY A PROPERTY:
COMPETITIVE PRICES, LOW INTEREST RATES, MANY CHOICES
COMMERCIAL REAL ESTATE; A BETTER WAY TO INVEST AND GET RICHER! MULTI-WAYS TO WIN BIG
IN REAL ESTATE
1031 Exchange, Tax Saving Tips for Real Estate Investors and landlords Give Financial Advantage
MIAMI REAL ESTATE: The Time is Now to Profit from Real Estate investing--
A “Perfect Storm” of events has made investing in Real Estate properties better than ever - and now’s the
time for you to profit...
CALL Mr. ANTONY AT: 786-709-6577 --- Fortune International Realty
COMMERCIAL LEASE: Before you rent space for your business, be sure you understand these basic facts
about commercial leases.
Manufactured Homes, Mobile Homes, an Affordable Housing Alternative
We are dedicated ourselves to helping bring prospective buyers of manufactured homes in contact with
retailers who sell homes in their area. We aim to help buyers wade through the excess of information
providing a simple directory that enables buyers to quickly and efficiently contact us to help them find the
dealers in which they are interested.
WHAT GUIDELINES ARE REQUIRED FOR A MORTGAGE LOAN?
Mortgages are used by individuals and businesses wishing to make large value purchase of real
estate without payment the entire value of the purchase up front. Mortgages are also known as
lien against property, or claims on property. Mortgage is a legal agreement that creates an
interest in a real estate property between borrower and the lender.
HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the lender requires documentation to
verify and substantiate your employment, credit and financial situation to assure its investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS TO REFINANCE A PROPERTY. NOW IT'S THE
BEST TIME FOR REFINANCING, THE INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY
MORTGAGE PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO
SAVE YOUR PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH A REVERSE
MORTGAGE, REGULATED BY THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP YOU PURCHASE
YOUR HOME. PLEASE CONTACT US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you can make when shopping for a home
Subprime Mortgage
 A type of mortgage that is normally made out to borrowers with lower credit ratings. As a
result of the borrower's lowered credit rating, a conventional mortgage is not offered because the
lender views the borrower as having a larger-than-average risk of defaulting on the loan.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL LEASE Tips for Making
Solid Business Agreements and Contracts
Mortgages are used by individuals and businesses wishing to make large value purchase of real
estate without payment the entire value of the purchase up front. Mortgages are also known as
lien against property, or claims on property. Mortgage is a legal agreement that creates an
interest in a real estate property between borrower and the lender.
HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a loan the lender requires documentation to
verify and substantiate your employment, credit and financial situation to assure its investors
that you have the ability to repay the MONEY
HOME REFINANCING: 10 GREAT REASONS TO REFINANCE A PROPERTY. NOW IT'S THE
BEST TIME FOR REFINANCING, THE INTEREST RATE IS VERY LOW.
MORTGAGE LOAN MODIFICATION PROGRAMS; AN ALTERNATIVE TO REDUCE MONTHLY
MORTGAGE PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR CREDIT RATING, TO
SAVE YOUR PROPERTY.
REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR PERSONAL
RESIDENCE.
TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH A REVERSE
MORTGAGE, REGULATED BY THE U.S. GOVERNMENT.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS THERE TO HELP YOU PURCHASE
YOUR HOME. PLEASE CONTACT US WE WILL SHOW YOU THE WAY .
MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST RATES,
8 Reasons to Get Pre-Approved for a Home Loan
Learn why pre-approval is one of the smartest moves you can make when shopping for a home
Subprime Mortgage
 A type of mortgage that is normally made out to borrowers with lower credit ratings. As a
result of the borrower's lowered credit rating, a conventional mortgage is not offered because the
lender views the borrower as having a larger-than-average risk of defaulting on the loan.
FINANCING YOUR REAL ESTATE INVESTMENT; BUYING YOUR FIRST, SECOND, AND OR
THIRD PROPERTY. HOW AND WHERE TO FIND MONEY? CLICK RIGHT HERE!
RENTAL PROPERTY / COMMERCIAL REAL ESTATE / COMMERCIAL LEASE Tips for Making
Solid Business Agreements and Contracts
INSURANCE 101: THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE. EVERYTHING YOU NEED TO KNOW ABOUT INSURANCE; NOW IS YOUR CHANCE TO KNOW HOW TO SAVE MONEY ON YOUR INSURANCE! LEARN
ABOUT THE 15 INSURANCE POLICIES YOU DON'T NEED! ----- FORTUNE: National Association Of Securities Dealers - NASD / FINRA. LEARN MORE... BEFORE YOU START INVESTING ANY MONEY: LEARN THIS FIRST!
ABOUT THE 15 INSURANCE POLICIES YOU DON'T NEED! ----- FORTUNE: National Association Of Securities Dealers - NASD / FINRA. LEARN MORE... BEFORE YOU START INVESTING ANY MONEY: LEARN THIS FIRST!
| YOU’VE PROPERTY FOR SALE? CONTACT US COMMERCIAL, RESIDENTIAL, WE’LL BUY IT FROM YOU OR WE’LL SELL IT FOR YOU; FAST, QUICK & FOR THE TOP PRICE! SOUTH FLORIDA CONTACT US…786-709-6577 ----------------------------------------- ATTENTION SELLERS? WITH US IS MORE EXPOSURE, MORE SHOWINGS, MORE OFFERS, MORE MONEY FOR YOUR PROPERTY! South Florida, Please Mr. ANTONY FOR AN INITIAL CONSULTATION AT: 786-709-6577-- Fortune International Realty |
Annuities INSURANCE
Many people have made annuities part of their retirement plan – for good reason. Annuities can help provide for your retirement income needs. Fixed annuities, for example, can
help protect against market losses, guarantee income and help maximize the wealth you pass on to your heirs.
How annuities work ----------------KNOWLEDGEFINANCIAL.COM
Simply put, an annuity is a contract between you and an insurance company. You pay the insurance company a single purchase payment or a series of purchase payments. In
exchange, you'll have access to convenient withdrawal features and living benefits.
Annuities are unique because of their combination of tax deferral and the opportunity for a stream of income payments.
Fixed and variable annuities
There are two types of annuities – fixed and variable. The main difference is based on how the purchase payments are allocated. A financial advisor who is familiar with your
financial goals, objectives and risk tolerance can help you determine which type of annuity might be right for you.
Long-term care insurance
A secure financial future involves protecting your financial independence if you should need long-term care. So it's important to understand how long-term care insurance can
help safeguard you if you are no longer able to care for yourself.
Plan ahead for long-term care ---------------------- KNOWLEDGEFINANCIAL.COM
Individuals may need long-term care for an extended period of time at home, in an assisted living facility or at a nursing home. Since this type of care is a likely part of most
people's lives – and is costly – you may want to incorporate long-term care insurance into your overall financial plan.
How long-term care insurance can help
By providing access to long-term care insurance, a financial advisor help their clients prepare for the future and focus their energy on what's really important – enjoying life.
An advisor can help you make informed decisions about what works for you, including how much long-term care may be needed, what type of care you prefer, the cost of each
option and how much to expect from government benefits.
Many people have made annuities part of their retirement plan – for good reason. Annuities can help provide for your retirement income needs. Fixed annuities, for example, can
help protect against market losses, guarantee income and help maximize the wealth you pass on to your heirs.
How annuities work ----------------KNOWLEDGEFINANCIAL.COM
Simply put, an annuity is a contract between you and an insurance company. You pay the insurance company a single purchase payment or a series of purchase payments. In
exchange, you'll have access to convenient withdrawal features and living benefits.
Annuities are unique because of their combination of tax deferral and the opportunity for a stream of income payments.
Fixed and variable annuities
There are two types of annuities – fixed and variable. The main difference is based on how the purchase payments are allocated. A financial advisor who is familiar with your
financial goals, objectives and risk tolerance can help you determine which type of annuity might be right for you.
Long-term care insurance
A secure financial future involves protecting your financial independence if you should need long-term care. So it's important to understand how long-term care insurance can
help safeguard you if you are no longer able to care for yourself.
Plan ahead for long-term care ---------------------- KNOWLEDGEFINANCIAL.COM
Individuals may need long-term care for an extended period of time at home, in an assisted living facility or at a nursing home. Since this type of care is a likely part of most
people's lives – and is costly – you may want to incorporate long-term care insurance into your overall financial plan.
How long-term care insurance can help
By providing access to long-term care insurance, a financial advisor help their clients prepare for the future and focus their energy on what's really important – enjoying life.
An advisor can help you make informed decisions about what works for you, including how much long-term care may be needed, what type of care you prefer, the cost of each
option and how much to expect from government benefits.
Disability income insurance
Your income depends on your ability to earn it
A well-rounded financial plan should protect what's important – especially your income. Disability income insurance offers an extra layer of financial protection by providing income replacement in the event of
a disabling injury or illness.
A financial advisor can help you determine the type and amount of disability protection you may need.
How does disability income insurance work? ----------------- KNOWLEDGEFINANCIAL.COM
Disability income insurance is designed to replace your income when you're not able to earn it. If you receive coverage through work, it may only cover a portion of your income or it may be taxable, which
further reduces its benefit. Retaining your own coverage gives you more control.
You choose disability income insurance based on:
Benefit amount. The percentage of current monthly income you replace.
Length of time before benefits start. Also called the elimination period; similar to a deductible for medical or auto insurance. You typically choose 30, 60, 90 or 180 days.
Terms of income. You can set the terms for a length of time to receive your benefit anywhere from one to two years up until age 67.
Definition of disability. This can be the most important part of a policy. The types of injuries or illnesses that can make it impossible to do your job are often much different from the types of disabilities that make
it difficult. One type of injury may be covered and the other may not, depending on your choices. When you're not sure, talk to a financial advisor about your choices.
Your income depends on your ability to earn it
A well-rounded financial plan should protect what's important – especially your income. Disability income insurance offers an extra layer of financial protection by providing income replacement in the event of
a disabling injury or illness.
A financial advisor can help you determine the type and amount of disability protection you may need.
How does disability income insurance work? ----------------- KNOWLEDGEFINANCIAL.COM
Disability income insurance is designed to replace your income when you're not able to earn it. If you receive coverage through work, it may only cover a portion of your income or it may be taxable, which
further reduces its benefit. Retaining your own coverage gives you more control.
You choose disability income insurance based on:
Benefit amount. The percentage of current monthly income you replace.
Length of time before benefits start. Also called the elimination period; similar to a deductible for medical or auto insurance. You typically choose 30, 60, 90 or 180 days.
Terms of income. You can set the terms for a length of time to receive your benefit anywhere from one to two years up until age 67.
Definition of disability. This can be the most important part of a policy. The types of injuries or illnesses that can make it impossible to do your job are often much different from the types of disabilities that make
it difficult. One type of injury may be covered and the other may not, depending on your choices. When you're not sure, talk to a financial advisor about your choices.
TITLE INSURANCE:
A title insurance policy protects a real estate investment against unknown or hidden title defects and liens existing as of the date of the policy those hidden risks can be false impersonation of the true
owner, forged deeds, undisclosed or missing heirs, human errors etc.
Title insurance often required by a lender for protection against hidden title defects;
A lender's policy only protects the lender---- A buyer's policy protects the buyer against
any eventuality
TITLE SEARCH:
Title search is recommended to see if there is no cloud in the title, this
give you a complete details of the historical records related the property to ensure that
the seller is the legal owner, that there are no liens, restrictive covenants, outstanding
judgements or other claims against the property. A CERTIFICATE of title is issued as a result of title search.
WHAT PROTECTION DOES TITLE INSURANCE PROVIDE AGAINST DEFECTS AND HIDDEN RISKS?
Title insurance shall pay for defending against any lawsuit attacking the title as insured, and will either clear up title problems or pay the insured's losses.
For a one-time premium, an owner's title insurance policy remains in effect as long as the insured, or the insured's heirs, retain an interest in the property or have any obligations under a warranty in any
conveyance of it. Owner's title insurance, issued simultaneously with a loan policy.
WITHOUT TITLE INSURANCE, THE HOMEOWNER BECOMES A SELF-INSURERS, WHICH IS HIGHLY INADVISABLE!
A title insurance policy protects a real estate investment against unknown or hidden title defects and liens existing as of the date of the policy those hidden risks can be false impersonation of the true
owner, forged deeds, undisclosed or missing heirs, human errors etc.
Title insurance often required by a lender for protection against hidden title defects;
A lender's policy only protects the lender---- A buyer's policy protects the buyer against
any eventuality
TITLE SEARCH:
Title search is recommended to see if there is no cloud in the title, this
give you a complete details of the historical records related the property to ensure that
the seller is the legal owner, that there are no liens, restrictive covenants, outstanding
judgements or other claims against the property. A CERTIFICATE of title is issued as a result of title search.
WHAT PROTECTION DOES TITLE INSURANCE PROVIDE AGAINST DEFECTS AND HIDDEN RISKS?
Title insurance shall pay for defending against any lawsuit attacking the title as insured, and will either clear up title problems or pay the insured's losses.
For a one-time premium, an owner's title insurance policy remains in effect as long as the insured, or the insured's heirs, retain an interest in the property or have any obligations under a warranty in any
conveyance of it. Owner's title insurance, issued simultaneously with a loan policy.
WITHOUT TITLE INSURANCE, THE HOMEOWNER BECOMES A SELF-INSURERS, WHICH IS HIGHLY INADVISABLE!
| REAL ESTATE INVESTMENTS: BUYING A PROPERTY, SELLING REAL ESTATE, LEASING A HOME; IT'S THE AFFAIR OF A PROFESSIONAL REALTOR. Invest today for a better tomorrow, invest for an ideal retirement, invest for abundant. Invest in multiplex properties, houses, condos, town-homes, businesses, luxury waterfront properties. Give yourself a chance to get richer? CALL US WE ARE HERE TO ASSIST YOU! Mr. ANTONY, 786-709-6577 {SOUTH FLORIDA} |
The Ultimate Retirement Guide for Everyone; Retire Rich, Retire Early.
THE BEST RETIREMENT GUIDE EVER; WHAT ARE 401K, ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW!
Long-term care insurance?
Is a long-term care insurance policy really provides money to help cover the costs of living if you are no longer able to take care of yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK?
What is the importance and benefits of life insurance in real life, and at retirement age?
Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?
What is Annuity Insurance Investment, Annuity & Pension Insurance? Are Annuities Planning today for a secure tomorrow?
THE BEST RETIREMENT GUIDE EVER; WHAT ARE 401K, ROTH 401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW!
Long-term care insurance?
Is a long-term care insurance policy really provides money to help cover the costs of living if you are no longer able to take care of yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL SECURITY WORK?
What is the importance and benefits of life insurance in real life, and at retirement age?
Pension Plans / IRA / INDIVIDUAL RETIREMENT ACCOUNT. What is an IRA? And what does it matter?
What is Annuity Insurance Investment, Annuity & Pension Insurance? Are Annuities Planning today for a secure tomorrow?
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Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in creating a solid personal financial plan. The right insurance policies will go a long
way toward helping you safeguard your earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING IMMEDIATELY WITH ONE OF THE GREATEST INSURANCE COMPANY
IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND
BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you
or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely necessary on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into consideration in order to obtain the best coverage for your needs at a
reasonable price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after a catastrophe and insulate you from lawsuits if someone is
injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you pay for. The least costly homeowners insurance will likely give
you the least amount of coverage, and vice versa.
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their
standards of living, can help repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are
steps you can take regarding the third - lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from the Latin for “year”. In the context of life insurance, it is a
contract between you and an insurance company under which the insurance company pays you money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance plan. In this article we’ll look at some of the basic coverages which
should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time due to an injury or illness, how long would you be able to
pay your bills and meet your day-to-day expenses? LEARN MORE...
Protecting your most important assets is an important step in creating a solid personal financial plan. The right insurance policies will go a long
way toward helping you safeguard your earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound financial plan
Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE
AND BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING IMMEDIATELY WITH ONE OF THE GREATEST INSURANCE COMPANY
IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND
BROWARD COUNTY FLORIDA. LEARN MORE HERE...
Auto Insurance
Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you
or someone driving your vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more than is absolutely necessary on their daily bills, the things that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number of factors into consideration in order to obtain the best coverage for your needs at a
reasonable price. For instance, how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home Insurance?
Home-owner's insurance should allow you to rebuild and refurnish your home after a catastrophe and insulate you from lawsuits if someone is
injured on your property.
Guide To Homeowners Insurance: Different Types of Coverage
All insurance is definitely not created equal or, put another way, you get what you pay for. The least costly homeowners insurance will likely give
you the least amount of coverage, and vice versa.
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their
standards of living, can help repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are
steps you can take regarding the third - lifestyle. You could lower your insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity” comes from the Latin for “year”. In the context of life insurance, it is a
contract between you and an insurance company under which the insurance company pays you money for a stipulated period.
Things to Remember When Buying Health-care
It’s always much easier and much less complicated choosing healthcare coverage from your employer.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-care insurance plan. In this article we’ll look at some of the basic coverages which
should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended period of time due to an injury or illness, how long would you be able to
pay your bills and meet your day-to-day expenses? LEARN MORE...