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Buying insurance is always about weighing the odds, and now, more than ever, it seems that travel insurance is well worth the gamble. However, as you plan where to go, investing your hard-earned cash, devote a bit of time to the best travel insurance for your needs: (more…)

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Insurance salespeople will assure you that a dozen different kinds of insurance are necessary to feel secure in life. But often these very insurance policies are what’s holding you back financially, insuring you for low-risk “what if” scenarios, and very often not even actually covering what you think they are. Try these tips to figure out exactly what insurances are important in your life:

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When you’re planning your retirement – and some of us dream about finishing work from practically the first day we start – it can be complicated to think about how you will fund it. A Gallup survey found there are ten main sources of income for retirees, with some being more significant than others. Have a look at the list and consider where your retirement income is going to come from: (more…)

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Auto insurance in one of those frustrating expenses in life – it can be quite expensive, but the alternative of not having any and being involved in an accident can be a whole lot more expensive. Here are some ways you might be able to save money on your car insurance:

1. Compare quotes from at least three different insurance companies – the amounts can vary considerably, and some might offer discounts if you can pay the premium annually.
2. Ask if you can get a discount by buying your other insurance needs from the same company.
3. Keep your driving record clean, and remind your insurance agent if your accident or speeding fine is more than three or four years old – at most, after five years, you can usually be insured as a driver with a clean record.
4. Increase the deductibles on your policy, especially for highly unlikely events. Check with your insurance agent about exactly what the possibilities are – some insurance companies have standard deductibles that won’t change unless you ask about them, and this could lower your insurance costs.
5. Be aware that if you are a student, having good grades can actually get you an insurance policy discount as well.
6. Consider installing anti-theft devices to your car – check with your insurance company about how much these will decrease your premium and decide if it is worthwhile.

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Got your eye on a particularly beautiful new car? We probably all have gazed at our brand new dream car at some stage, but if you are also keeping your eye on your bank accounts, then it might pay to head to the used car lot instead.

It’s no big surprise to consider the idea that you will probably save money by buying a used car, but some people are surprised by just how much you can save. The big problem comes with the depreciation cost of a new car.

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Life insurance can be a superb investment for a parent or breadwinner, but lately, we’ve been bombarded with offers to insure children. If you have a young child, you may consider taking the plunge and beginning a life insurance plan for him, but experts say that kids do not need life insurance.
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