Author: Sanjay

Things You Must Consider Before Buying Insurance – Insurance helps you recover from a financial loss or an unfortunate event. But do you know what type of insurance you need, what kind of coverage works for you, and where to find the best policy? If not, read on. The world is filled with unexpected events that catch us by surprise. Whether it is the high cost of education, unexpected medical expenses, or just general everyday life, we all have something to lose and something to protect. Financial protection comes in many different forms. There are many different types of insurance…

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Health insurance is a crucial component of any financial plan, but the dizzying variety of plans and terms can make choosing the Best health insurance coverage feel more like guesswork than logistics. Finding the best health insurance for you requires time, research and some critical thinking about your circumstances. Whether you’re a young adult just entering the workforce, an aging retiree, or anything in between, there is a plan that offers the optimal balance of coverage vs. cost. The options for healthcare are vast these days. There are public programs like Medicare and subsidized COBRA continuation coverage for former employees.…

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Having a medical emergency or surgery can be scary and expensive so better to have a health insurance. The cost of healthcare in the US is notoriously high, but luckily there are several different types of insurance that can help you get affordable coverage. In this blog post, we’ll cover the different types of medical insurance available to you as a US resident. No matter what your financial situation is or how old you are, there’s probably some type of medical coverage that works for you. Let’s take a look at your options and find the best one for you!…

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Home Loans – Your dream home is just around the corner, so now is the time to get serious about finding financing for your new home. If you don’t take the time to understand your home buying options and do your research, you could miss out on a great opportunity to get an affordable loan with a low-interest rate. The right home loan can make all the difference when it comes to affording that perfect new home. Home mortgage loans let you purchase real estate by providing you with equity in that property instead of cash. This allows you to…

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Get Rid of Debt and Pay Off Your Loan Faster – If you have credit cards, car loans, student loans or any other type of loan, it’s likely that you are feeling the burden. While it can be tempting to put off paying as long as possible, this will only make things worse in the long run. However, there is a way you can get rid of your debt quicker and reduce the amount of interest you pay over time. The sooner you start repaying your debts and invest in a repayment plan that works for you, the faster you…

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Your credit score is an indication of how likely you are to default on a loan. It affects your ability to get approved for new credit, the interest rate you’re offered and whether or not you get the loan at all. Your credit score is also used by landlords, employers, service providers and others to assess your trustworthiness. Many factors go into calculating your credit score; some are under your control and some aren’t. Unless you have excellent connections with a lender who is willing to ignore your past indiscretions, there isn’t much you can do about those external factors.…

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Did you know that about 70% of college graduates leave school with student loan debt? Depending on the type and cost of your school, your loans can range from several thousand dollars to more than $40,000. You may be thinking: How am I going to pay back this money? Student loans are difficult to avoid these days; fortunately, you have some great resources and tips at your fingertips. Even if the process feels overwhelming, it doesn’t have to be scary! Check out these helpful insider secrets to pay your student loan fast and furious. 1) Know your repayment plan options…

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Getting a personal loan can seem intimidating. There are many reasons why people avoid applying for personal loans, and they are all valid. Personal loans have high-interest rates, strict eligibility criteria, and long repayment periods. In addition to this, banks tend to be stricter when it comes to approving applicants for personal loans. Have you ever wondered why banks are so hesitant about giving out personal loans? The reason is simple: personal loans have a high risk of default. People who cannot afford to pay back their loan within the specified period will not get a personal loan. Fortunately, there…

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A flexi-cap fund is a kind of mutual fund that isn’t limited to investing in companies with a predetermined market capitalization. This kind of fund design will be indicated in the fund’s outline. A flexi-cap fund can give the fund manager greater investment decisions and diversification possibilities. How a Flexi-Cap Fund Works In contrast to other funds, for example, mid-cap or small-cap funds, the size of a company isn’t a constraint for flexi-cap funds. A flexi-cap fund may invest in any company, regardless of the company’s size. Kinds of Companies by Market Cap Market capitalization is quite possibly the most…

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There are many sector-specific and even company-specific risks in investing. In this article, notwithstanding, we take a gander at a few universal risks that almost every stock faces, regardless of its business. 1) Commodity Price Risk Commodity price risk is just the risk of a swing in commodity prices affecting the business. Companies that sell commodities benefit when prices go up, however endure when they drop. Companies that utilization commodities as inputs see the opposite impact. Notwithstanding, even companies that have nothing to do with commodities, face commodities risk. As commodity prices climb, purchasers will more often than not rein…

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