So you have finally realized how big of an investment a wedding is and that too much can easily go wrong. You have thought it over and decided that wedding insurance may be a good idea. Now your problem is figuring out the right wedding insurance and when to buy it. Fortunately, I believe wedding insurance is one of the easier insurance policies to understand and hopefully this will help you understand what decision to make. Choosing the right wedding insurance A number of factors can go into what wedding insurance policy is right for you. A good way to decide on what coverages you need is simply ask your caterer or vendor what insurance coverages they have, like liability insurance. There is no sense double covering something that does not necessarily need it. Another one is trying to match the price with how much you are covering. If you really want a small wedding with only a few people and you know before you start planning the wedding that it will cost a few thousand dollars, then don't purchase ...

Whether paying with a timely filed tax return, or filing late and paying late after receiving a bill from the IRS (and the bill is correct), taxpayers are encouraged to pay the taxes they owe in full. If taxes are not paid, and no effort is made to pay them, the IRS can ask a taxpayer to take action to pay the taxes, such as selling or mortgaging any assets owned or getting a loan. If effort is still not made to pay the bill, or make other payment arrangements, the IRS could also take more serious enforced collection action, such as levying bank accounts, wages, or other income, or taking other assets. A Notice of Federal Tax Lien could be filed that may have a detrimental effect on a taxpayer’s credit standing. Haven't Filed a Tax Return? Here's What to Do Taxpayers should file all required returns that are past due now to avoid additional penalties and interest. This section gives information on getting help and documents needed to prepare a return. It is never too late to file. How Full Payment ...

They say “April showers bring May flowers,” but April also brings another dark cloud with it: tax season. Regardless of whether you owe money or expect a refund, there’s something innately stressful about the American tax season. Of course, for those who do get money back from Uncle Sam, the stress at least comes with a payout. But you still have to figure out what to do with that refund.  How Americans spend their tax refunds The average tax refund is $3,000. Not too shabby. And with unemployment rates still high, many will welcome a little relief. In fact, in a survey conducted by the National Retail Federation, over 80 percent of respondents reported they planned to use their tax return to pay down debt or put the money into savings — both excellent ideas. Of course, a little splurge, if you can afford it, is nice too (nearly 12 percent of respondents claimed a vacation was in their future). But before you book your tickets to Hawaii, here are a few other ideas that will l ...

With Easter Holiday weekend upon us today, there are things to remember when traveling that can not only protect yourself from potential accidents but reduce the risk for others traveling as well when on the roadways. Recently the FAA has altered flying requirements and added new restrictions if you are unprepared it may leave you grounded. If you will be traveling on the roadways there are several ways you can prepare your car for the trip as well as things to consider while on the trek. Before you hit the road Test your tire pressures When did you last check the air pressure in your tires? Many people neglect this simple task, yet under-inflated tires can cause a car to handle unpredictably - especially in a sudden swerve or emergency stop. If pressures are too low, it will also increase fuel consumption and the wear of the tires themselves. Look in your owner's manual to find out what the recommended pressures are (they often differ for front and rear tires), then measure them by placing a gauge on ea ...

Understanding life insurance can be difficult at best, and we all know how imperative it is to have life insurance. There are several types of life insurance and terminology used in each that are often different across the board. When making such an important decision with deciding what insurance policy is best for your needs you need to know exactly what your coverage includes and address any questions you may have. Beneficiary- individual(s) designated to receive the death benefit in the event of the insured person's death Cash (Surrender) Value- money accumulated in a Life Insurance policy while the policy is in force Convertible Term Insurance- type of Term Life Insurance can be converted into a Whole Life Insurance policy or a Universal Life Insurance policy without evidence of insurability Death Benefit- sum of money paid to the beneficiary upon the insured's death regardless of the cause of death Dividend- additional monetary value you can receive from Participating Whole Life Insurance policy th ...

Have you recently reviewed your insurance premium and thought you were paying too much for the coverage you originally invested in? Chances are that you may be over insured ultimately resulting in a higher premium for you to pay. As your life changes, so should your insurance coverage. Make certain that your business or personal insurance policy reflects your changing experiences and life endeavors as well. Car Insurance Save yourself money on your car insurance policy by driving less and putting your cell phone away while behind the wheel. Not only will this reduce your risk it will eventually pay off in the long run! If you are a recent newlywed, adding your spouse onto your auto insurance policy as the named insured should significantly decrease your insurance cost. Also, if you change your driving habits by lessening time behind the wheel or the use of your vehicle or reach retirement, make sure to inform your insurer for the possibility of reduced rates. Home Insurance Particularly after the Holiday ...

If mere fulfillment from improving your everyday life doesn't inspire you enough to keep New Year's resolutions, consider how making constructive changes might fatten your wallet. As for us individuals residing throughout the Sandhills, Piedmont and Blue Ridge Mountains of North Carolina, we can still feel the strain of the lagging economy across the state. Why not take initiative in lowering your expenses this year while reducing a bit of stress? The six resolutions that could lower your insurance rates and in due course lessen a bit of hassle: 1. Lose weight If you're among the two-thirds of Americans who are overweight or obese, losing weight could qualify you for lower life insurance rates. That's true whether you're applying for a new policy or already have life insurance. Louis J. Cassara, chairman and CEO of the Financial Resource Network in the Chicago area, says several of his formerly overweight clients who slimmed down through healthy diet and exercise programs were able to get reconside ...

These days everyone is looking to save money. Looking for cheaper insurance is one way to lower costs. But, what if taking cheaper insurance was going to leave your family vulnerable to expensive denied claims? Do you know the true cost of your insurance policy? Toni Maccarone, Personal Lines Account Manager, just had a client come by to say he had received a lower quote from an 800# on his auto insurance. She asked if it offered the same protection as his current coverage and sure enough, it did not. The cheaper quote our client had received lacked the protection he needed. After comparing the 800# quote to his current protection, Toni took the time to explain the differences between the cheaper quote and his current protection. The client appreciated this personal service and decided to stay with the superior protection he has with First Pioneer Insurance Agency. Don’t let a few dollars put your family in harm’s way with expensive denied claims. We want you to know that your coverage is doing ...