Homeowners Insurance
Does Homeowners Insurance Cover Plumbing? Pipes, Leaks and Repairs Explained
Homeowners insurance may cover sudden and accidental water damage caused by plumbing, but it does not function as a plumbing maintenance plan. If a…
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Financial Planning
What Is Credit Mix and How Does It Affect Your Credit Score
Credit mix is the variety of credit accounts shown on your credit reports, such as credit cards, auto loans, student loans and mortgages. Credit-scoring…
Budgeting & Saving
What Is a Stale Dated Check? Can You Still Deposit It?
A stale-dated check is a check presented for payment long after the date written on it. For many ordinary personal and business checks in…
Health Insurance
Is Hospital Indemnity Insurance Worth It? Costs, Benefits and Who Needs It
Hospital indemnity insurance can be worth it when a covered hospital stay would leave you with expenses that your savings and major medical insurance…
Investing
What Is a Wrap Account? Fees, Benefits, Risks and Examples
A wrap account is a professionally managed investment account that generally charges one bundled, asset-based fee for several services. Depending on the program, that…
Estate Planning
What Is Ancillary Probate? When a Second Estate Case Is Required
Ancillary probate is a secondary estate proceeding opened in a state other than the state handling the deceased person’s primary probate. It is most…
Financial Planning
How to Negotiate Medical Bills: 10 Steps to Lower What You Owe
A large medical bill is not necessarily the final amount you must pay. Before sending money or putting the balance on a credit card,…
Homeowners Insurance
How to Get Insurance to Pay for Roof Replacement: 9 Claim Steps
Homeowners insurance may pay to repair or replace a roof when a sudden event covered by the policy—such as wind, hail, fire, or a…
Financial Planning
How to Get a Collection Off Your Credit Report: 7 Legitimate Steps
A collection account can make borrowing more difficult, but its appearance on your credit report does not automatically mean you must accept it as…
Homeowners Insurance
Home Insurance Dwelling Coverage: What Does Coverage A Protect?
Home insurance dwelling coverage helps pay to repair or rebuild the physical structure of your house after damage caused by a covered event. It…
Budgeting & Saving
Secured vs. Unsecured Debt: What Is the Difference?
Secured and unsecured debts both require repayment, but they expose borrowers and lenders to different risks. Secured debt is tied to collateral—an asset the…
Insurance
Beneficiary vs. Dependent: Who Receives Benefits and Who Gets Coverage?
A beneficiary and a dependent can be the same person, but the terms describe different relationships. A dependent is generally someone who qualifies for…