Saving for a Rainy Day

Published on 05 January 2010 by andrea in Blog, Budgeting, College Savings, Saving

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Saving for a Rainy Day

An emergency can happen at any time. A special fund that you create for an unforeseen circumstance like an unexpected job loss or illness will see your family through it – all the while preventing unnecessary debt and the associated finance charges that could be very easy to accumulate.
How Much Is Enough?
The answer depends on [...]

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Umbrella Liability Insurance 101

Published on 11 August 2009 by cloudfi in Blog, Life Insurance

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What is it?
Umbrella insurance refers to a liability insurance policy that protects your assets and future income beyond the standard limits in your auto and homeowner’s policies.  It’s an umbrella because it  covers liability claims from all policies underneath it, such as autos and homeowners policies.
For example, if you have an auto insurance policy with [...]

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