You don't have to wait until you are denied credit to get your credit report for free. I order my report for free several times a year.
Under the Fair Credit Reporting Act (FCRA), you can get your credit report for free if: 1. You have been denied credit. 2. You are unemployed. 3. You believe you may have been a victim of fraud.
Everyone is a potential victim of fraud.
Why pay for your credit report when the law allows you to get it for free.
You can get more information at www.reallyfreecreditreport.com or by searching the web for "Fair Credit Reporting Act".
By the way, if a credit reporting agency does not give you your report for free in accordance with the FCRA, you can sue them for $1000 in small claims court. Check out the FCRA, you'll be glad you did.
Correction: a disability policy that pays $2000 a month for a healthy person is about $1000 a year. Costs will vary based on how healthy you are, your occupation and the insurer.
Why do so many people leave themselves open to vulnerability? Of course we cannot protect ourselves from every possible misfortune that might happen to us, but we can limit our risks. Why should society have to pay for others misfortunes? I believe in helping others, but others must also help themselves.
If one is concerned about not being able to work in their own occupation as a result of a disability, they should buy a disability insurance policy. For about $2000 a year a healthy person can buy a disability insurance policy that will pay them $2000 a month for as long as they are unable to perform their own occupation up to the age of 65. To many people, like myself, the peace of mind is worth the price. If one does not want to pay the price to limit their risks should they become disabled, the rest of us should not be obligated to pay the price of supporting their lifestyle after they are disabled.
If you feel disability insurance is too expensive, think of how much the insurance company may have to pay if you were to become disabled. Think of it this way: If you were offered two identical jobs, one paid you $50,000 a year while you worked, but nothing if you were ever sick or hurt. One paid you $47,000 a year, and 60% of your income tax free if you were ever sick or hurt, which would you take?
Slashdot Mirror
You don't have to wait until you are denied credit to get your credit report for free. I order my report for free several times a year.
Under the Fair Credit Reporting Act (FCRA), you can get your credit report for free if:
1. You have been denied credit.
2. You are unemployed.
3. You believe you may have been a victim of fraud.
Everyone is a potential victim of fraud.
Why pay for your credit report when the law allows you to get it for free.
You can get more information at www.reallyfreecreditreport.com or by searching the web for "Fair Credit Reporting Act".
By the way, if a credit reporting agency does not give you your report for free in accordance with the FCRA, you can sue them for $1000 in small claims court. Check out the FCRA, you'll be glad you did.
Correction: a disability policy that pays $2000 a month for a healthy person is about $1000 a year. Costs will vary based on how healthy you are, your occupation and the insurer.
Why do so many people leave themselves open to vulnerability? Of course we cannot protect ourselves from every possible misfortune that might happen to us, but we can limit our risks. Why should society have to pay for others misfortunes? I believe in helping others, but others must also help themselves.
t ml
If one is concerned about not being able to work in their own occupation as a result of a disability, they should buy a disability insurance policy. For about $2000 a year a healthy person can buy a disability insurance policy that will pay them $2000 a month for as long as they are unable to perform their own occupation up to the age of 65. To many people, like myself, the peace of mind is worth the price. If one does not want to pay the price to limit their risks should they become disabled, the rest of us should not be obligated to pay the price of supporting their lifestyle after they are disabled.
If you feel disability insurance is too expensive, think of how much the insurance company may have to pay if you were to become disabled. Think of it this way: If you were offered two identical jobs, one paid you $50,000 a year while you worked, but nothing if you were ever sick or hurt. One paid you $47,000 a year, and 60% of your income tax free if you were ever sick or hurt, which would you take?
http://www.insure.com/health/longtermdisability.h
http://www.guardiandibrokerage.com/