Home

Family: Unskippable – GEICO (Extended Cut)


You can’t skip this GEICO ad, because it’s already over.

Subscribe to the GEICO channel and get updates automatically! http://www.youtube.com/subscription_center?add_user=GEICO

Don’t thank us, thank the savings.

GEICO’s been saving people money for over 75 years.
See how much you could save: http://on.gei.co/quote

Connect with us on…
Facebook: http://www.facebook.com/GEICO
Twitter: https://twitter.com/GEICO
Google+: https://plus.google.com/+geico
Youtube: http://www.youtube.com/user/GEICO

One more time: subscribe to the GEICO channel to get all
the latest commercials automatically!
http://www.youtube.com/user/GEICO?sub

RELATED VIDEOS:
• Cleaning Crew: http://youtu.be/Xmzm1JCOqtU
• Elevator: http://youtu.be/vSpGEjdIN1Y
• High Five: http://youtu.be/8Dvx060Rx3g

How To Begin Borrowing Money With Lending Club

Have you ever been in a situation where you needed extra money for something, but you simply did not have it? You are not alone.

Because there are so many people who often deal with the same problem, Lending Club has popped up that offers peer to peer lending. If you are in need of cash, you could apply for a loan with them.logo for lending club

It is much wiser to apply for a loan with the Lending Club than it would be to try applying for one with your bank for several reasons. If you go through the bank, the entire process could take several weeks. And, you might not have much time to wait when you need the money immediately.

The bank may want to charge you high-interest rates, which would cause you to pay much more than you originally borrowed. However, you can enjoy lower rates with this loan option. Investors choose to lend their money to borrowers and earn some extra money back while you get what you need as quickly as possible.

If you go online and read different reviews on the Lending Club you will find it offers a convenient feature that allows you to check your rate beforehand. The neat thing about this feature is that it will not appear on your credit report, so you do not have to worry about it having a negative impact on your current credit score.

If you would like to check your rate, you simply need to provide a few details, such as how much you would like to borrow, what you plan to do with the money you receive and what your credit score currently looks like. These details are needed so that a lender may offer you a loan with specific rates.

Instead of waiting a while to find out if your application has been approved, you can easily find out in less than a minute. Once you have received that approval notification, you may need to provide details on where you would like to have the money sent.

Make sure to read the terms and conditions. While reviewing the agreement, you will learn more about the fixed monthly payment you have to make. Decide whether or not it is reasonable before moving forward. If you can afford that monthly payment with no problem, agree to the terms and receive your loan directly in your bank account.

There are a lot of good reasons to apply for a loan. You may want to consolidate some of the credit debt that you have, especially if you are tired of trying to remember when the monthly minimum is due for each card. However, you may also want to use it for other expenses.

Some people choose to use the loan to remodel their home or to replace something that is no longer working, such as a washing machine or refrigerator. No matter what you plan on using the loan for, there is now a much easier way to get the money you need instead of going through a traditional bank for help.


The Very Best Final Expense Insurance Plans

Final expense insurance is a term used to describe funds that are set aside to cover our final expenses, or our funeral expenses, which are the last expenses that we will ever incur. Final expense insurance is life insurance which is designated to cover these expenses.

The best final expense insurance plans are life insurance programs that are designed to cover these expenses. These types of policies are usually marketed to individuals who are age 65 and older, and to many who have health difficulties that make it difficult for them to obtain regularly underwritten life insurance.

Final expense life insurance is usually written in limited denominations of death benefits from $3,000 to $25,000. This is to limit the exposure of the death benefit per policy which is an actuarial advantage.

why getting funeral insurance to protect your loved ones is such a good idea

Most of the policies are of a guaranteed issue variety, but with some stipulations such as a waiting period for the death benefit to occur if a person is suffering from some form of serious illness. People who are residing in hospitals or nursing homes are typically not eligible for coverage.

If a person has had cancer or a heart attack within the past two years, they will usually be able to gain coverage with a “waiting period” type of policy. This form of coverage will not pay the full death benefit until after a probationary period of say, 2 to 3 years have expired, and then the regular death benefit will apply.

Another format of a death benefit arrangement is the “modified death benefit” type of policy. With this kind of policy arrangement, the death benefit might be zero for the first year, 33% for the second year, 66% for the third year, and 100% for the fourth year and beyond.

These kinds of arrangements allow the insurance company to mitigate their risks to compensate for the high mortality rates of people who are in their older ages.

Since most of these policies are written for insurance applicants who are age 65 or older, the incidence of claims is going to be much higher for people of this age group, so these underwriting techniques enable more people to own policies, whereas they normally would be priced out of the market.

When we are older is the time in our lives when life’s physical limitations begin to catch up with us. The best final expense insurance plans allow us to at least qualify for something, even though it may not be the top-of-the-line coverage like we could have purchased when we were much younger, but something that will provide for our burial expenses nonetheless.

The best final expense insurance plans usually consist of permanent life insurance, the kind that does not run out or stop its coverage, unlike term insurance which ceases to exist at the end of its term of 10, 15 or 20 years. With permanent life insurance, the price of the coverage is guaranteed never to increase, and the coverage will always be there up to the time of death when the policy pays off to the beneficiary.

Funerals today run in cost on an average of $7,000 to $10,000. This cost does not only include the burial and service, but also, there is travel, the funeral meal, housing and lodging of relatives and final medical costs.

Buying final expense life insurance to cover your costs of your funeral and accompanying expenses is a definite act of love, as you are saying that you do not wish for your relatives, your spouse, or your children to have to pay for your funeral costs.

Plus, it is a fact that you are paying for your final costs with discounted dollars, for what you pay for the policy will seldom equal the death benefit which is paid to your beneficiary upon your death.

Permanent life insurance policies also create a cash value or a loan value. This money builds cash over a period of years which is available to the policy owner in the form of loan. If a policy owner takes a loan, the amount of a loan will decrease the insurance face amount by the amount of the loan.

Final expense life insurance is the way to go if you are over age 65, you have no other life insurance, and you want it to be there when it is needed.


How to File a Claim with Your Car Insurance Company

Whether you have been involved in an accident, had your car damaged because of bad weather, or had your vehicle broken into, you will need to file a claim with your insurance company. According to a Provo car insurance agency, after accessing the damage and checking to make sure no one was injured, if you were involved in an accident with another vehicle, you need to call your insurance company as soon as possible.Auto Accident Help

What Is Needed to File a Claim?

When you call the insurance company, you will need to give them some information so they can start processing a claim for you. The insurance company will need to know:

  • Your name and policy number
  • The date and time of the accident or incident
  • Information on the other drivers involved
  • Information on any witnesses including passengers that saw the incident
  • Driver’s license and plate numbers of the other drivers involved

If the police come out to the site of the incident, the insurance company may also request a copy of the police report. Usually, you will be given a copy of it after they have completed the report on the incident. It will be helpful to take pictures of the incident as well, so the insurance company can see the damage to your vehicle.

You may need to contact an attorney if the police find you at fault for an accident. An attorney can help you fight any claims made against you, and they may even be able to help you avoid paying a ticket for the accident if they can show that you were not the responsible party. For more information from DMV.org, find out more about tips for filing a car insurance claim.

Handling the Claim

After you’ve filed a claim, your insurance company will contact you and have a claims adjuster come to your home to see the damage to your vehicle if it isn’t driveable, or they will have you drive it to their claims department location. The adjuster will evaluate the damage to your vehicle and talk to you about the incident and what your policy covers.

If the damage was caused by an accident, and the other driver was found at fault, their insurance company will contact you about the claim as well. Once he or she inspects your vehicle and accesses the evidence for any injury claims you might have, they will offer you an initial payment for your claim. If you feel the payment isn’t fair, you may need to call an attorney to help you get a fair settlement.


Why Life Insurance Is Important

Do you have a life insurance policy? If yes, you have probable wondered whether or not you really need this expense and perhaps even considered cancelling it. It is true that the cost of life injury can be difficult to justify if you live on a limited budget and it is perfectly normal to feel that you would be better off spending your money on something else. Think about your family before you cancel your life insurance policy. What would happen to them if you became unable to support them? If you earn most of your family’s income, you need to subscribe to a comprehensive life insurance policy.

top life insurance policiesWhat if you got in an accident? Your unexpected death would deeply impact your family. Besides dealing with the trauma, your family would have to cover the cost of a funeral. This is not a pleasant thing to imagine but it is important to make sure your family would be financially secure in this situation. It would not be fair to your family to leave them without any financial support at a traumatic time.
The best life insurance policies usually cover funeral expenses, estate taxes and allow your family to live comfortably for a while. The amount of coverage depends on how much you can afford to spend on your policy. A comprehensive policy would allow your family to take the time to grieve and to find a new source of income.

If making your monthly payments is difficult, consider lowering the amount of coverage you are subscribing to or purchase life insurance from a more affordable company. If you are healthy and have lifestyle that would not be considered as dangerous by insurance providers, you should be able to find affordable premiums. You can easily find a policy that is affordable and corresponds to the needs of your family. The cost of life insurance is definitely worth the peace of mind of knowing your family will be well taken care of.


How to File a Claim with Your Car Insurance Company

Whether you have been involved in an accident, had your car damaged because of bad weather, or had your vehicle broken into, you will need to file a claim with your insurance company. According to a Provo car insurance agency, after accessing the damage and checking to make sure no one was injured, if you were involved in an accident with another vehicle, you need to call your insurance company as soon as possible.Auto Accident Help

What Is Needed to File a Claim?

When you call the insurance company, you will need to give them some information so they can start processing a claim for you. The insurance company will need to know:

  • Your name and policy number
  • The date and time of the accident or incident
  • Information on the other drivers involved
  • Information on any witnesses including passengers that saw the incident
  • Driver’s license and plate numbers of the other drivers involved

If the police come out to the site of the incident, the insurance company may also request a copy of the police report. Usually, you will be given a copy of it after they have completed the report on the incident. It will be helpful to take pictures of the incident as well, so the insurance company can see the damage to your vehicle.

You may need to contact an attorney if the police find you at fault for an accident. An attorney can help you fight any claims made against you, and they may even be able to help you avoid paying a ticket for the accident if they can show that you were not the responsible party. For more information from DMV.org, find out more about tips for filing a car insurance claim.

Handling the Claim

After you’ve filed a claim, your insurance company will contact you and have a claims adjuster come to your home to see the damage to your vehicle if it isn’t driveable, or they will have you drive it to their claims department location. The adjuster will evaluate the damage to your vehicle and talk to you about the incident and what your policy covers.

If the damage was caused by an accident, and the other driver was found at fault, their insurance company will contact you about the claim as well. Once he or she inspects your vehicle and accesses the evidence for any injury claims you might have, they will offer you an initial payment for your claim. If you feel the payment isn’t fair, you may need to call an attorney to help you get a fair settlement.


Tips To Help You Gain Financial Freedom


download (3)If you want to achieve long term success, then one of the most important things you can do is get your finances in order.  To avoid financial disaster in middle age, financial literacy should be a top priority.  In this article, we will provide you with some very important tips that can help you gain financial freedom.

If you are in debt, making payments on time needs to be a priority.  Keep in mind, you can’t just hope your debts magically go away and bury your head into the sand.  Late payments can have a negative effect on your credit score.  When you don’t make your payments on time, you will also incur late fees as well as additional interest charges.  If you continue to ignore making your payments, that hundred dollar debt of yours could eventually grow into thousands of dollars.  Credit card debt is one of the main areas where this happens, particularly since credit card interest and fees tend to be quite high.

Individuals who have multiple debts need to first focus on paying off the debt that has the highest interest rate.  If it is hard for you to make all of your payments on time, talk with your creditor to see if you can get a payment plan that allows you to pay your debts on time without affecting the money you need for your living expenses.

Unless you have an emergency where you are critically short on cash, do everything you can to avoid taking out a payday loan.  Many people draw on their credit line to finance a lifestyle they really can’t afford.  It is much better to live below your means and stay out of debt.  You will sleep much better at night if you do this.

The biggest steps you can take towards achieving financial freedom is to stay away from debt as much as possible and pay all your bills on time.  Learn what your emotional buying triggers are so that you can avoid unnecessary spending and practice frugal spending habits instead.

Some women have to tendency to go shopping whenever they are feeling stressed out.  Other people spend hundreds of dollars by buying a double latte every day on their way to work.  Once you become aware of what your spending triggers are you can start to eliminate these bad habits.

If you start to follow the advice in the tips we provided to you above, you can prosper and achieve financial freedom.