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Post by mojogirl on Aug 13, 2021 17:57:01 GMT -4
Bumping from 2019! Wooo... I need help from the Greecies on life insurance for me and the Mr. Google sends me to ads that want all your info do they can have somebody call me RIGHT NOW. No. I want a policy that will pay off the house and one vehicle, plus some extra for expenses. We don't have kids. We have cats. We're both soon to be 55. Thank you in advance and happy Friday the 13TH! Are you eligible for USAA? That's where we have our term life insurance from. We bought ours in our 30's, so at 55, it's going to be more pricey. While a policy from your work can be a good deal, it's also tied to your employment so if you lose your job you lose your coverage. Our term life is about to expire, as we specifically wanted it for when the kids were kids. Washington State is about to enact a state Long Term Care (LTC) policy/tax, so we bought private policies (VERY expensive) with a death benefit that will take over for the term insurance. Our LTC policies are through Lincoln Financial which is a company our financial advisor suggested, so you may want to see if they offer a life insurance product you would want. |
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Post by petitesuite on Aug 13, 2021 18:41:45 GMT -4
Are you eligible for USAA? That's where we have our term life insurance from. We bought ours in our 30's, so at 55, it's going to be more pricey. While a policy from your work can be a good deal, it's also tied to your employment so if you lose your job you lose your coverage. I just want to note that this is not always true (although I think I am perhaps just taking what you said too literally?)--when I ended my last job I had the option to continue paying for the same life insurance plan and avoid any gap/discontinuation in coverage. The monthly payment was going to be slightly more because of course my former employer wouldn't continue to cover any part of it, but not by very much, maybe $20? I'm not sure how much of that was specific to my job/how I left it/my age but maybe still worth looking into. |
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Post by cubanitafresca on Aug 14, 2021 20:06:22 GMT -4
I've had term life for years with New York Life and I have been really happy with it.
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Post by lpatrice on Aug 16, 2021 19:53:51 GMT -4
Anyone know of any good options to consolidate credit card debt? I need to get serious about paying off my card debt.
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alpierce
Blueblood
Posts: 1,144
Mar 7, 2005 13:40:30 GMT -4
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Post by alpierce on Dec 15, 2021 18:01:12 GMT -4
So my bank just decided to close the only branch somewhat close to me. If I need to deposit money, I'd have to commute to the city, which is almost $7 one way. My debit card is a part of an atm network where I don't get charged, but these Atm's are not everywhere. This bank is also where my paycheck is direct deposited.
I went through a major financial situation some years back after being out of work. The reason I mention this is one of the big banks that everyone knows (Not citi, the other one, and please dont put the name in any replies if you guessed it, trying to avoid Identity theft) was a part of the major financial situation some years back and I am afraid of parking my money there for that reason, even though they have no legal basis to do anything to me. They have a branch near me.
The only other major banks near me are TD bank and Citi.
Basically I am just looking for advice. TIA.
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Post by chitowngirl on Dec 15, 2021 18:30:10 GMT -4
Could you do online banking? Also, when I need cash and I’m not near my ATM, I make a small purchase with the debit card and get cash back.
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Gigiree
Sloane Ranger
Procrastinators Unite. . . Tomorrow.
Posts: 2,555
Jul 23, 2010 10:27:31 GMT -4
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Post by Gigiree on Dec 16, 2021 10:51:51 GMT -4
I currently bank with a chain of banks that are no where near me because we moved, and I didn't want to fuss with changing all of my auto-pays and direct deposits. With their app, I don't need to go to a physical branch ever, as I can deposit checks using my phone's camera. Not many ATMs around me either, so I get cash back when I make a purchase.
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pamster
Blueblood
Oh, PLEASE.
Posts: 1,785
Apr 2, 2005 19:31:58 GMT -4
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Post by pamster on Dec 17, 2021 10:57:13 GMT -4
We live in a rural area with big bank access, but about 10 years ago we opened a checking account with a local bank that only has 4 branches but all the features (debit cards, mobile check deposit and drive thru atms). They don’t charge us fees because we’re seniors, plus they give us free checks and I pay all the bills with bill pay. If I have a problem I call one of the three ladies (two named Donna!) who answer the main phone.
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