Long Term Disability Insurance – Q & A

Social Security Disability If you suffer a disabling injury or illnesses and you are no longer able to work at your job for an extended period of time, you may be able to replace a significant percentage of your income by having purchased long term disability insurance. Should you be considering purchasing disability insurance, this Read more…

Extended Warranties – Service Contracts – Q & A

Q.  I recently purchased a washer-dryer at a local dealer in town. The price was reasonable but the salesperson persuaded me to purchase an extended warranty/service contract on the product covering me for both parts and labor for an additional two years. I reluctantly agreed to purchase the extended warranty but now I want to Read more…

Home Equity Credit Lines – The Basics

Using A Credit Line To Borrow Against Home Equity   Lenders offer home equity credit lines in a variety of ways You will find most loans come with variable interest rates, some come with attractive low introductory rates, and a few come with fixed rates. You also may find most loans have large one-time upfront fees, others have closing Read more…

Foreclosure Rescue Packages – Buyers Beware!

Homeowners Beware – Foreclosure Rescue Scams The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on the vulnerability of desperate homeowners is equally frightening. Many so-called foreclosure rescue companies or foreclosure assistance firms claim they can help you save your home. Some are brazen enough to Read more…

Checking Out Brokers And Investment Advisors – What To Look For…

Federal or state securities laws require brokers, investment advisers, and their firms to be licensed or registered, and to make important information public. But it’s up to you to find that information and use it to protect your investment dollars. The good news is that this information is easy to get, and one phone call Read more…

What If I Have A Problem With A Funeral Home?

Consumer Rights – Funeral Homes If you have a problem concerning funeral matters, it’s best to try to resolve it first with the funeral director. If you are dissatisfied, the Funeral Consumer’s Alliance may be able to advise you on how best to resolve your issue. You also can contact your state or local consumer Read more…

Funeral Services And Products

Embalming Many funeral homes require embalming if you’re planning a viewing or visitation. But embalming generally is not necessary or legally required if the body is buried or cremated shortly after death. Eliminating this service can save you hundreds of dollars. Under the Funeral Rule, a funeral provider: may not provide embalming services without permission. Read more…