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标题:Insurance Basics | Blog
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HomeSample PageWelcome to submitBankCreditInsuranceSecuritiesWorld Hot NewsMore »More »More »More »More »Insurance BasicsJuly 12, 2013InsuranceAs Political Risks Proliferate, Insurers Increase Coverage OptionsTexas AG: State Not on the Hook for TWIA Unfunded LossesAIG, GE Capital Accept Systemically Important DesignationsAsiana Could Save Millions Under Provision Limiting Passenger Suits in U.S.Read MorePayday LoansJuly 26, 2013CreditThe ads are on the radio, television, the Internet, even in the mail. They refer to payday loans, cash advance loans, check advance loans, post-dated check loans, or deferred deposit loans. The Federal Trade Commission, the nation’s consumer protection agency, says that regardless of their name, these small, short-term, high-rate loans by check cashers, finance companies and others all come at a very high price.Read MoreOnline Payday LoansJuly 26, 2013CreditIf you need a short term loan, you may be tempted by ads touting online payday loans. But before you click on a link, the Federal Trade Commission (FTC), the nation’s consumer protection agency, has a few caveats to share.Read MoreCredit InsuranceJuly 26, 2013CreditThe next time you apply for a mortgage or personal loan, you may be asked if you want to buy credit insurance, or it might already be included in your loan proposal. Credit insurance protects the loan on the chance that you can’t make your payments. Credit insurance usually is optional, which means you don’t have to purchase it from the lender. In fact, the Federal Trade Commission (FTC), the nation’s consumer protection agency, says it’s against the law for a lender to deceptively include credit insurance (or other optional products) in your loan without your knowledge or permission.Read MoreCo-signing a LoanJuly 26, 2013CreditWhat do you do if a friend or relative asks you to co-sign a loan? Before you say yes, think about the obligations involved and how they may affect your own finances and creditworthiness. When you agree to co-sign a loan, you’re taking a risk a lender won’t take.Read MoreThe Lowdown on So-called Gold, Platinum, and Pre-approved Credit CardsJuly 26, 2013CreditIf you’re thinking about applying for a credit card, the Federal Trade Commission (FTC), the nation’s consumer protection agency, says be skeptical of gold, platinum, or pre-approved card offers that promise to get you a major credit card or improve your credit rating. Marketers of these offers often promise that, if you participate in their credit programs, you will get a major credit card (like an unsecured Visa or MasterCard), no-fee cash advances, lines of credit from national specialty and department stores, improve your credit rating, and other financial benefits. Here’s the lowdown on offers for credit cards:Read MoreProtecting Against Credit Card FraudJuly 26, 2013CreditCredit card fraud takes place every day in a variety of ways. You can’t always prevent it from happening, but you can cr