The Washington Post is reporting that health insurers are now mining data from a variety of databases when you apply for insurance. From the story by Ellen Nakashima: “Health and life insurance companies have access to a powerful new tool…
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Collision, Comprehensive and Claims – Oh My
I know I have written about this before, but it comes up fairly frequently in my practice. What is comprehensive? What is collision? Can my rates go up for filing one of these claims? So, lets start with the basics….
California Debt Blog: Debt Validation: Why it matters
Whenever you are contacted by a debt collector, the initial letter will state that you have the right to request validation of the debt within 30 days. Why do you care? Debt validation requests serve several purposes. First, by making…
Insurable Interest
I was driving the other day with the radio on and an ad came on for an insurance broker. The broker, who shall remain nameless, insures hard to insure drivers. You know, tickets, DUIs, accidents, young drivers, etc…. The ad…
Your Insurance Review
Have you had your insurance review this year yet? What review, you ask? Good question. Your auto and homeowners insurance needs may change every year. For example, you may need to increase your insurance coverages. Or, maybe your old car…
California Debt Blog: Check your report lately?
I was talking to a new client today. He has some issues with a credit card. This is not new for me. This explains a lot of my calls this year. I asked him if he had any other problems….
California Debt Blog: Subprime Credit Cards Being Examined
The Sacramento Bee is reporting on the feds examination of the subprime credit card industry. These credit cards are issued to people who usually cannot get a credit card from one of the “regular” credit card companies similar to the…
California Debt Blog: Credit Card Issuers Change Limits
The Wall Street Journal and Yahoo are reporting that credit card companies are cutting limits for some of their customers. Those hardest hit: construction and financial services workers. The credit card companies want to limit their exposure to these industries…
California Debt Blog: Review your public records for FREE
ChoiceTrust allows you to review your public records for free once per year. ChoiceTrust is not a credit reporting agency and is not subject to the FCRA. However, once a year you can get employment records, real property records and…
Are you told to have spinal decompression? Be cautious
I have had a few clients lately who have been told that they need spinal decompression on a very expensive machine. The machine du jour is the DRX 9000. I am sure you have seen ads in your local newspaper…