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Life Insurance 101 - Financial Gym

Details: Most insurance shoppers will need to decide between buying term life insurance or whole life insurance. The main differences in term life insurance vs whole life insurance are: A term life insurance policy expires when the term is up, while a permanent life insurance policy like whole life stays active for as long as you pay the premiums.

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How to File a Health Insurance Claim - Financial Gym

Details: Health insurance can be confusing. When talking about your health insurance, the conversation usually involves whether or not you have it, or if your plan has good benefits. But how do you actually file a health insurance claim if you need to? Beginning the process of filing a claim can be daunting,

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Healthcare for Freelancers

Details: Traditional insurance typically includes a monthly premium and annual deductible. A Healthshare is where you are in a community, or a pooled group of people, and you pay a membership. In a healthshare, if a medical need occurs, depending on the plan, you have a different responsibility amount.

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Coronavirus, Finance and You | The Financial Gym

Details: Unemployment Insurance. Modest Needs is offering donations to hourly workers who won't get paid during the COVID-19 outbreak. Lifeline: Lifeline is the FCC's program to help make communications services more affordable for low-income consumers. Lifeline provides subscribers a discount on monthly telephone service, broadband Internet access

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FAQ - Financial Gym

Details: The program covers many of the topics most financial advisors and CFPs receive, like how to plan for life goals, investing and investing products, types of insurance, etc. with less emphasis on investing and more emphasis on topics not covered by the CFP coursework like budgeting, expense management, credit management, student loan debt, salary

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4 Expenses I Didn't Plan (As Much!) for as a New Mom

Details: A huge financial issue that I did not expect, even with great insurance, were the medical bills! Being a first-time mom, I did not go through what my labor and delivery expenses would look like before having a baby. This is super important to go through with your insurance company to ensure there are no surprises and know what to prepare for

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Understanding Your Employee Benefits

Details: Life insurance . Another employee benefit is life insurance. Life insurance is an amount of money that is paid upon death to specific beneficiaries. So, let’s say you were to pass away. If you name your husband or mom your beneficiary, they’ll get the life insurance money in the event of death.

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Corporate Training Partnerships | The Financial Gym

Details: New York Life Insurance Company. Joseph Scarmato Director, Value Add Marketing, New York Life Insurance Company. The Gym has presented at our Bacardi Spirit Forward event for the past 3 years. Personal Finance is especially important to our bartenders and ambassadors across the country who are used to being paid in cash and sporadically

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Financial Exercises

Details: You will literally die if you don’t buy health insurance or a medication or take a trip to the emergency room; (2) you have planned for it. If you made that purchase of the new phone or the clothes for work part of your plan for the year, then you can go ahead and buy that item.

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Our Founder's Story - Financial Gym

Details: Most financial services companies only care about you as far as they can sell you products like investments, bank accounts, credit cards, loans and insurance policies. They also want to give you technology and apps to solve your financial problems; however, something we know at the Financial Gym is that money is personal and people aren’t

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5 Pros and Cons of Pet Insurance — Is It Worth It?

Details: Pet insurance might seem like a win-win — after all, it meant to cover your pet’s health care costs and protect your wallet from expensive vet bills. And like other types of human insurance policies, like heath insurance or life insurance, it can be a lifesaver in the event of an unexpected emergenc

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Down Payments 101: How much will you need to put down to

Details: It is possible to put less than 20% down, but then you’ll have to pay PMI, or premium mortgage insurance. This is an added cost, and protects the lender if you stop making payments. You have to pay PMI until your loan to value (LTV) is 78%, or in other words until you have more than 20% equity in your home.

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Bitcoin 101: What is Bitcoin and Why Was it Created?

Details: An “insurance policy” in this sense just means that investors would hold their money in places other than central banks, so that as inflation rises, their funds remain unaffected. Historically, gold and other precious metals were the instrument of providing that insurance and it has been successful for close to 5,000 years.

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Everything you need to know: The Home Buying Experience

Details: Mortgage Insurance (if you are providing less than 20% downpayment) Final Protip: Once your mortgage comes due, consider scheduling biweekly payments and additional principal to your payments. Making biweekly payments instead of once a month will pay off interest faster AND includes one additional monthly payment each year.

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5 Premium Credit Card Protections that are a Lifesaver

Details: 4. Lost luggage insurance. It’s heart-breaking to lose your luggage while traveling. It’s even more devastating when you have valuables inside or even holiday gifts. Some premium cards, including the Sapphire Reserve, offer lost luggage insurance for lost, stolen or damaged luggage while on a covered trip.

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5 Things You Can Write Off On Your Taxes that You May Not Know

Details: HSAs can help you save money, especially if you have a high-deductible health insurance policy. This way you have money set aside, but you can also deduct your contributions. If you don’t have an HSA now, it could be something to look into for this tax year. 5. Retirement contributions

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4 Unexpected Costs of Home Ownership - Financial Gym

Details: Closing costs also might include payments to the title company, a closing attorney, and prepaid homeowner’s insurance and property taxes. All of this can add up to thousands. You might be able to wrap some of the closing costs in with the mortgage, but not all, so you’ll need to be sure you have the cash available or you won’t be able to

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Here's What Happens When Your Car is Repossessed - And

Details: Owning a car can be quite a luxury, but it can also take a nice chunk of your paycheck each month. According to Experian, the average monthly payment is $554 for a new car and $391 for a used car. If you have other major financial obligations, like a mortgage or student loans, you may be struggling

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A Day in The Life of a FinGym Trainer

Details: I am extremely up front with my clients from day one: I don’t make commission, I am not here to sell you life insurance, my #1 goal is for you to be successful in your personal financial journey, your membership pays my salary! Back to what a typical day looks like. So my day to day schedule, as I said earlier, is dictated by my clients.

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What is a 1099? - Financial Gym

Details: If you received payments from long-term care insurance or accelerated death benefits from a life insurance policy, you’ll likely receive Form 1099-LTC. 1099-NEC: Nonemployee Compensation. This is a new form beginning in tax year 2020. The intent is for companies to issue a Form 1099-NEC to freelancers and contractors instead of a Form 1099-MISC.

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Planning to Get a Puppy? Here’s How to Financially Plan

Details: The insurance could cover exams, behavioral treatments, etc. You will want to compare and contrast plans and make sure it’s actually something that will benefit you. It may not be worth it but if you have a dog that needs special care it could be. You can check out plans on PolicyGenius.

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What My Plan Session Was Like - Financial Gym

Details: Your plan will document all the information you provided by summarizing your income, assets, and liabilities, as well as your insurance coverage, monthly expenses and your goals. I was pleasantly surprised at how the planning session went and that everything laid out in my plan made sense, without unrealistic goals and tasks.

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7 Tax Deductions You Shouldn't Miss - Financial Gym

Details: Health insurance premiums. Travel costs (e.g. meals and vehicle use) To claim these deductions, you need to thoroughly track your expenses all year and save all receipts. 3. Individual Retirement Account (IRA) deduction. If you contribute to a traditional IRA throughout the year, you can take advantage of the IRA deduction. This allows you to

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7 Purchases You May Not Know You Can Make With Your HSA Fund

Details: You can open an HSA through your health insurance provider or through a financial institution, such as a bank or credit union. HSAs are tax-advantaged accounts which allows you to save pre-tax dollars into the account for future health needs. The money that grows in the account also isn’t taxed and withdrawals for HSA-eligible expenses are

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Let’s Talk About My Experience with the Financial Gym

Details: Sure, a travel account is great to think about but in theory things like an emergency fund (all your living expenses for 3 - 6 months) and renter’s insurance matter more. For me and running the business I run for myself, another unsexy part is putting aside money for taxes when I pay myself.

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Stories from the Financial Gym

Details: A few years back, Steve had been sold on the idea of a whole life insurance policy. There is a time and place for whole life policies; however, if you need a large death benefit as Steve does because he has a wife, three kids and a home, you won’t get it from whole life. He was paying $300 a month for only $300,000 in a death benefit.

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Debt Collection Series: How to Respond to a Collections Letter

Details: If your debt was delinquent and sent to a debt collection agency, you might have received a letter from a debt collector. Communicating with debt collectors, by phone or in writing, can be intimidating. It’s important to know your rights as a consumer before responding, as the information you sha

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How to Use your HSA Fund This Summer - Financial Gym

Details: You can open an HSA through your health insurance provider or through a financial institution, such as a bank or credit union. HSAs are tax-advantaged accounts which allows you to save pre-tax dollars into the account for future health needs. The money that grows in the account also isn’t taxed and withdrawals for HSA-eligible expenses are

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How to File Your Own Tax Return - Financial Gym

Details: 1095-A, if you have health insurance from the exchange . These are some of the basic, most common forms that you will get. You may have other tax forms coming your way, so be on the lookout. If your forms are late, follow-up and make sure your address is correct. If you moved or quit jobs, you may have not updated your address which could cause

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How to Let Go of Financial Stress | The Financial Gym

Details: 1. Loss of health insurance. This is an increasingly growing concern for many Americans as we face the worst pandemic the world has seen in over a century. Job loss often comes with loss of insurance, an added stress during a time where medical care is arguably more crucial than ever.

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Bridget Todd - Financial Gym

Details: Bridget has trained extensively in all areas of financial training including budgeting, credit management, student loans, savings strategies, insurance, short and long term goal planning, and investing principles. Bridget is a Level 3 Certified Financial Trainer and works mostly with clients who are new to their financial fitness journey.

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5 Inspiring Personal Finance Podcasts You Need to Hear

Details: Queer Money Fear$ is the first episode in a six-episode series that explores family, discrimination, insurance coverage and retirement issues unique to being queer. 2. Glamour. At long last, a podcast centering around the struggles of women in finance. Glamour editor-in-chief,

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Overcoming Debt

Details: Your emergency fund is an insurance policy against getting back in debt. It might take longer, but your savings should go up as your debt goes down. Meet Kylie . Meet Columbus . If you’re interested in working with a Certified FinancialTrainer like Kylie or Columbus to work on getting out of debt, click here to get started!

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How To Prepare for Unexpected Unemployment

Details: State exchanges allow you to purchase health insurance at a much cheaper rate, but the coverage is often significantly less than what most employer plans provide. If you have pre-existing medical conditions and need good coverage, the cheap plans from the state exchanges likely carry high out of pocket costs, so weigh that against the monthly

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How Your Employees Can Live Their Best Financial Lives in 2021

Details: Think: food, rent, insurance, transportation. Know that number and then multiply it by three or six to get your desired emergency fund number. Don’t panic! It’s a lot but you will grow it over time. Even if you feel like you can’t save a lot, save $20. It all adds up.

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6 Ways to Travel Hack Your Way Into an Affordable Vacation

Details: Most cell phone, car insurance, and internet providers will let you pay for up to 12 months of service. These tricks can help you get that bonus without spending on anything you don’t need. The highest value cards typically have a minimum spend of at least $3,000.

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What You Should Know if Your Employer Is Opting in to the

Details: FICA stands for Federal Insurance Contributions Act and these taxes are the foundation of Social Security and Medicare, two widely popular programs that help to ensure the wellbeing of the elderly, retirees, children of deceased parents, and people with disabilities. Both workers and employers pay into these programs, which are considered

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New Mom Hacks with Ali and Brenda - Financial Gym

Details: Brenda’s bill showed nursery charges of about $9,000 a day (before insurance), even though the baby was with her the whole time. It's also important to note that, by law, newborns are automatically added to the mother's insurance for the first 30 days regardless of what health plan you ultimately decide to add them to.

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How to Help Your Elderly Parents - Financial Gym

Details: Life insurance will ensure that if someone dies, the survivors are left with a sum of money and are taken care of financially. This is especially important if someone is the breadwinner or sole income earner. Naming beneficiaries is important because it designates who will get any of the remaining assets.

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Top 5 Questions We Have Been Asked During COVID-19 — The

Details: Many people are experiencing unemployment right now! If this applies to you, start by familiarizing yourself with the unemployment insurance eligibility for your state and apply if you are eligible! Unemployment eligibility has expanded during the global pandemic, make sure you are reading information that is dated as recently as possible.

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Trump Tax Bill Details – What we Really Need To Know

Details: If you didn’t have health insurance, you were required to pay a “shared responsibility payment” aka a penalty. That was the case for years 2017 and 2018, but that’s being repealed in 2019. So if you say no to health insurance you won’t have to pay a penalty for it.

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3 Questions You Should Ask a Mortgage Broker or Direct

Details: While FHA loans do help to make housing available where it previously felt out of reach, they do also have other requirements, such as private mortgage insurance. Fixed-rate Mortgage: The conventional fixed-rate mortgage most often ranges between 15 and 30 years for repayment.

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Politics and Personal Finances - Financial Gym

Details: With more severe natural disasters, insurance premiums can go up, farm land can be altered, and electricity can become more expensive. We know that each person can play a small part in combating climate change, but what is becoming more apparent is the role business practices play.

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Finances of Being an Actress with Victoria and Lindsay

Details: Lindsay is happy for the stability of her job at Slice, because it offers her health insurance and retirement benefits, and it allows her to pursue acting. There are so many expenses that come with acting, including headshots, web hosting, and marketing.

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How to Improve Your Finances with Just One Tweak Per Week

Details: When it comes to required bills, go line by line and make sure you aren’t being overcharged for any services not being provided or rates you didn’t agree to. Auto-pay has many benefits, but it’s always good to set a money date and make sure everything is accurate. This goes for your cell phone, cable, and insurance.

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First-Time Homebuying with LemonBrew

Details: The loan will then go into underwriting, and you will need to provide documentation like W-2s, paystubs, bank statements, homeowners insurance quote, etc. The underwriter will issue an approval, which shows that you are qualified with your income, credit, and down payment.

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Message from our CEO to our Clients - Thank You! | The

Details: Two years into my journey, when I had gone through my $250,000 Rollover IRA and all I had left to my name was a life insurance policy, which meant I was literally worth more dead than alive, I began to believe everyoneI was crazy.

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Home-Buying Education with Kristin Messerli from Ardley

Details: There is something called Private Mortgage Insurance (PMI) that allows you to put as little as 3% or 5% down. This allows you to have extra reserves. There is a lot of fear and misinformation around whether the financial crisis can happen again. However, there are a lot of laws that protect consumers.

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5 Budgeting Strategies to Get Your Finances Back on Track

Details: The general rule for this budgeting system is to allot 50% of your take-home income to needs, like your rent or mortgage, car payments, health insurance, and bills. 30% of your income goes toward wants, like dinner with friends, splurging on a new outfit.

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8 Ways to Maximize Your Credit Card Perks

Details: Trip Insurance. Travel junkies tend to agree that if you are trying to maximize your points and miles game, a Chase Sapphire card is a must have. What many people don’t know, however, is that Chase Sapphire cards offer trip delay and interruption protection. This means that if you are prevented from traveling for a covered reason, or if your

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