Fred Harteis News Articles - Insurance for college students

Tuesday, September 9
Fred Harteis News Articles - Insurance for college students
by maba on Tue 09 Sep 2008 03:48 PM EDT

Fred Harteis News Articles - If your kid is heading off to college this Fall, make sure they have enough insurance coverage. Here's what you need to know.



Check into health coverage

It's a good idea to check into your child's health coverage as they go off to college. Full-time students between the ages of 18-23 are usually covered under their parents' health plan.



But keep in mind that some plans have younger age cutoffs. If your health plan has a network, you'll want to scout out a doctor near where your child is going to be living. Then you'll need a referral from your local physician.



And if your child is no longer on your plan, most colleges offer limited health insurance plans for students. And don't forget that many colleges offer emergency health-care or infirmary hours on campus too.



Tell your insurer

Basically insurance companies reward you if you don't drive.



Case in point: your son or daughter can get a discount on their insurance if they leave their car at home while attending school. And the school has to be at least 100 miles away.



You'll also want to notify your insurance company that the car will be garaged in a different location. Your premium could go down depending on where the college is located.



And if you must bring your car to campus - don't let other people drive your car. No matter who's driving, your kid is still responsible for what happens.



Know the limits

If you have a kid that'll be living on campus, chances are, your homeowners' policy will cover most of their possessions.



In most cases, your homeowners insurance will cover about 10% of property that's outside the home. That means if you have $75,000 worth of contents coverage at home, it will cover about $7500 worth of stuff that's in a dorm room.



Of course, you'll want to get in touch with your insurance company since not all insurers have this same limit. And if your kid is going to be living off-campus at an apartment, your homeowners' policy won't be helpful. In this case, you'll want to look into renters insurance.



Rates run about $250 a year for contents of about $15,000 according to the Independent Insurance Agents & Brokers Association.



Source: Cnn.com



About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
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Friday, September 5
Fred Harteis News Articles - Stay warm without going broke
by maba on Fri 05 Sep 2008 02:15 PM EDT

Fred Harteis News Articles - This summer we saw record high gas and oil prices. And this winter season is gearing up to be just as expensive. If you're sick of paying so much for your energy needs, here are some solutions.



The government is predicting record-high heating costs this winter. Your bills will be 20% higher than last year and this winter will be colder than usual according to Farmers' Almanac.



lf you use heating oil, you can expect an increase of 36% and if you use natural gas to heat your ... more »
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Friday, August 29
Fred Harteis News Articles - Is your bank safe?
by maba on Fri 29 Aug 2008 03:14 PM EDT

Fred Harteis News Articles - More banks are in trouble according to the FDIC. Is your bank next on the list? Here's what to look for.



1. Get the numbers

The FDIC reported that the number of banks on the "problem bank" list grew to 117 during the second quarter. That's the highest level since the middle of 2003.



There were 90 banks on the problem list in the first quarter of this year. The FDIC chairman also said that list is going to grow. In fact, analysts say that there could ... more »
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Wednesday, August 27
Fred Harteis News Articles - Qualifying for a student loan
by maba on Wed 27 Aug 2008 04:09 PM EDT

Fred Harteis News Articles - The student loan market is rejecting more applicants because of too-low credit scores, but the market is still advancing money, even as colleges prepare to resume classes. Some tips from CNN's Gerri Willis on how to nab a loan.



1. Get the stats

It's estimated that 100,000-250,000 of would-be borrowers could be turned down for private student loans this year. And that has to do with a few things.



First, lenders have tightened their standards. Previously if you had a credit score of 620-650, you would be ... more »
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Tuesday, August 26
Fred Harteis News Articles - Tips on Jobs, Deeds & Flying
by maba on Tue 26 Aug 2008 02:39 PM EDT

Fred Harteis News Articles - How to find a 'recession-proof' job, how a 'deed in lieu' will affect your credit rating, and how to lock in a good price on air travel.



1. What jobs or industries are more "recession proof" than others?

In reality, no job is "recession-proof," but there are industries that fare better than others, even when the economy is suffering.



Security jobs - from transportation security to computer security specialists are one of those according to Challenger, Gray and Christmas.



One recent report estimates that the government will ... more