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Are Annuities a Safe Alternative to Bonds if Interest Rates Rise?

Are Annuities a Safe Alternative? Conventional wisdom says that stocks produce greater returns but are riskier. Bonds produce lower returns but are safer. Therefore, a retiree should allocate more…

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Does my credit score affect the cost of my home and auto insurance?

What doesn’t your credit score affect these days, right? Of course your credit score affects your insurance rates! We all know that it is important to keep your credit score up and pay…

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Low Interest Rates Hurt Savers

Where to Turn? Year in and year out a top fear of retirees is outliving their retirement nest egg. This has been exacerbated since the 2008 financial crisis when…

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Additional Insured: Why Are They Asking to be Listed on my Liability Policy?

Let me guess.  You’re an Ohio-based trades contractor and the general contractor or job owner has asked to be listed as an additional insured on your insurance policy? And,…

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Life Insurance Application Process

What do you need to know about the Application Process? Going through any process for the first time can be intimidating. What can be worse is having a bad…

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