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5 Student Loans Myths You Need to Stop Believing Right Now

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Federal Stafford Student Loan Forgiveness Programs

If you’re planning on taking out student loans or have already done so to achieve your career aspirations (maybe you want to open a business that designs cool car wraps or create a game-changing fintech app), then here are five persistent myths that you need to stop believing right now. Otherwise, you could find yourself swimming or sinking in massive debt for years after you graduate. Myth: It’s always smart to consolidate your student loans. Fact: There is a big and important difference between consolidating student loans and re-financing students loan. With the former, you are essentially combining debt and the interest rate will be equal to a weighted average of all of the underlying student loans (rounded up to … Read more

An Expert Guide to Choosing the Right Long-Term Care Insurance Policy

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How to Plan for Your Long-Term Care Needs

Are you planning to take out a long-term care insurance policy to protect you from high costs in the future? If so, you’ll need to be sure that you’ve selected the right policy for your needs. Choosing the Right Long-Term Care Insurance So, how do you get started with choosing a provider? And how can you be certain you’ve made the correct decision? In this expert guide, you’ll learn everything you need to know about making an informed choice. What Is Long-Term Care Coverage? Long-term care insurance policy is designed to cover all eligible custodial and personal care expenses that help you to stay healthy and happy at home or the cost of receiving ongoing care in a nursing home … Read more

Do You Have All the Insurance that You Need?

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It’s impossible to predict what will happen to you during your life, but it is possible to protect yourself from the unknown. Insurance is a necessity for most people, whether it be coverage on their vehicles, their home, or their life. Even if you are just starting out, you should still have minimum coverage to protect you in all aspects of your life. Accidents, illness, and even the loss of a job can have a profound financial impact if you are not prepared for every situation. It’s important to shop around for your life insurance and other coverage policies. You can work with a broker to help you bundle your policies and get the coverage that is right for you … Read more

Your Guide to Employment Benefits in Canada You Need to Know

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Your employees are at the core of your business. If you want to run a successful company, you have to provide unparalleled employment benefits for the people behind your enterprise – your employees. In Canada, benefits can vary widely depending on the industry and the company culture. It can include primary health care plans, company cars, company cell phones, and travel benefits.  While it can be challenging to keep track of the ever-changing work laws in British Columbia, it is still imperative that you provide employee benefits. It can ensure that your employees are happy and healthy, which in turn translates to higher productivity. So, in a sense, benefits can be a good investment for your company.  Challenges of Cost … Read more

What Is In-Vitro Fertilization (IVF)?

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What is in vitro fertilization? IVF treatments, short for In Vitro Fertilisation, is an assisted reproductive technology. It is done by extracting eggs from women and retrieving sperm from a man and helping them combine in the way they would naturally with the help of science, namely a laboratory dish. Once that has happened, they are placed inside the woman, where pregnancy can then go ahead as normal. IVF starts with the use of medications that slows the production of eggs, making them easier to extract, before a man is then required to supply a sperm sample. The embryo, provided they have attached, is then placed inside the woman three to five days after egg extraction. Couples who undertake IVF … Read more

Best Auto Loans for All Credit Scores You Need to Know About Right Now!

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You may be wondering what a good credit score for an auto loan is? The answer is: It very much depends. As it’s truly possible in today’s lending market to be approved for an auto loan with just about any credit score, but the better your credit history, the bigger your chances of getting approved with favorable terms. When it comes to calculating your credit score many auto lenders use varying credit scoring models. Depending on the credit lender, they may use one of the following: Fico 8 or 9: Both models are the latest versions of Fico’s basic credit score, providing a general look at a consumer’s overall creditworthiness. Access to these scores may be possible through your existing … Read more