Looking for a personal loan? Let’s face it, circumstances can change unexpectedly. And, an emergency can pop up at the worst possible time. From an unexpected home improvement bill or tax liability to your kids asking for a loan, don’t stress it. Personal loans are a way to obtain the money you need and, depending on the bank, you might be able to get the money within 24-hours or less.
Use these tips to help you get instant access to the best personal loan providers.
Consider the Type of Personal Loan You Want
There are different types of personal loans you can request:
Debt consolidation or to pay off credit card debts or medical expenses.
Home improvements or for a home improvement emergency.
A child’s wedding, a honeymoon or engagement party.
A vacation or purchase a vehicle.
Other reasons include a new job, moving and relocation expenses. Or to put a security deposit on a new home. A loan can also be used to cover funeral expenses for a relative or to invest in a business…
Home insurance can sometimes be tricky. You know you need a home insurance policy, but how do you find the right deductible amount? On the one hand, you want low monthly payments. On the other, you don’t want a high payment to make if something happens and you have to file a claim. But, what’s the right deductible amount? And, how can you get the most savings? Let’s explore a few ways to calculate your deductible and weigh the pros and cons.
Understanding Your Home Insurance Deductible
Your deductible is how much you as a homeowner and policy owner have to pay out-of-pocket (yourself) for damages to your property. This is the payment you pay before your insurance will make any payment towards the damages or a loss when you file a claim. Let’s look at an example.
Your upstairs neighbor’s tub overruns and it floods your apartment. The damage totals $10,000. If you have a $1,000 deductible, you don’t then send $1,000 to the insurance. No, if the claim is covered by the insurance company, they will send you $9,000 which is the balance of the claim…