Car Insurance

The State of Colorado currently requires that all drivers be covered under liability auto insurance and that proof of car insurance always be carried within the vehicle at any moment. Colorado auto insurance regulations are more stringent than those in many other states. If caught driving without proof of insurance, the fine will be a […]

Do you have an old car that you don’t use anymore? Are you thinking of selling it or donating it? People sometimes decide to donate their old car or broken car because the cost of repair to fix it is much more than its value.  Finding the right charity can be hard at times. Just […]

Do you have a passion for a nonprofit?  We warm Californians are known for our generosity – reaching out to men, women and children in need. Is there a charity you’ve wanted to support, but didn’t know how? Here’s your opportunity!  Do you want to use the value from your car to donate to the Animal […]

Are you ready to donate a car in California? If so, good for you! Donating a car to charity is a wonderful decision on many levels. First of all, your donation goes to help a great cause.   Plus, you get your old vehicle or junk car moved off of your property free of charge. You […]

What you can do to help prepare for your first Mortgage Advisor meeting You’ve seen the house or flat that you’d like to turn into your next home. It’s a large 3 bedroom detached house on the outskirts of Cardiff, with a spacious garden, ample parking and close to Roath Park. Or it’s a 2 […]

The majority of small businesses would like to offer health insurance to their employees as it allows them to attract and retain high-caliber talent. But the expense involved can be a major constraint.The National Small Business Association’s (NSBA) 2015 Health Care Survey found that only 41% of firms with zero to five employees offer health care benefits, […]

Health insurance premiums never seem to stop going up. The 2015 Employer Health Benefits Survey conducted by the Kaiser Family Foundation found that annual premiums for employer-sponsored family health insurance increased by 4% over the last year, reaching $17,545. On an average, workers paid $4,955 each towards the cost of the premium.A simple method that small businesses […]

An annuity is an insurance contract. Many people think of an annuity as an investment, but when you purchase an annuity, you are buying an insurance policy. You are ensuring an outcome. You put money into the insurance contract or policy, and the insurance company provides you a guarantee as to when and how you […]

Too many people get an immediate annuity quote, see the annuity rate, and assume that it is equivalent to a rate of return. An annuity payout rate is not the same as a rate of return, nor is it the same as yield. For example, an immediate annuity website may list an annuity rate as 7%. This means for a $100,000 immediate […]

Overview Multi-Year Guarantee Annuity is a term used to describe a fixed annuity that has an interest rate guarantee for the same period of time as its surrender period. For example, an annuity with a guaranteed interest rate of 5% per year for five years, where there are no surrender penalties after five years. Some […]