Auto insurance companies decide your premiums based on several factors such as driving history, gender, and age of the person applying for insurance. The idea is that insurance companies come to these conclusions based on several surveys which study the behavioral pattern of individuals who drive within a certain sample space.

If you own a car and live in New York, it is imperative that you know the basics of New York car insurance coverage options. The following information will help you out: Top three things about New York car insurance: Your driver must have an up-to-date car insurance that fulfills the NY required insurance coverage standards.

In simple terms, “CD rate” is defined as the interest percent yield on a certificate of deposit. Essentially a Certificate of Deposit is a savings deposit for a fixed period of which interest is earned by the bearer. A Certificate of Deposit (CD) is offered by any bank where you have opened a savings account.

Several online banks are providing high CD rates that enable you to drive better yield on your investment. These banks can offer the best CD rates as they have lesser overhead costs when compared to traditional banks. For instance, you can earn an interest of 1.40% on a minimum deposit of $2000 with an online bank.

Traditional banks were the first banks to offer proper checkable deposits. These banks are very old and exist even today. Here are a few pros and cons of opening a bank account in traditional banks: Pros: Convenient: These banks usually have a various number of branches in different areas. Some banks even have branches in remote locations.

Here is a list of the benefits of having a bank account: Convenience: If you have a checking account, you can easily pay your bills without having to go through the process of withdrawing the money. Most banks also provide thousands of ATMs which are beneficial to the customer. These ATMs offer fee-free service.

While we are all aware of the need for taking out a sound medical insurance policy, there remain many questions on the necessity and means of taking dental plans of medicare. How much should I pay a premium for dental insurance? Present statistics on dental insurance reveal that the majority of dental coverage plans, require an annual premium payment that ranges between $20 and $50 per person per month, depending on the kind of insurance policy, the sum insured and the nature of intervention sought.

One of the most commonly asked questions by customers in the field of trade. There are only two possible ways an investor may lose his money when he invests it in a brokerage account. One, if an event such as fraud or bankruptcy occurs at the brokerage firm, and two, through investment losses, which are subjected to market risks but is conveniently under your control, provided you have a discretionary basis account which requires client approval for any trade carried by the broker on behalf of his client.

A brokerage account or simply a broker account is a taxable financial account that an investor can open with a brokerage firm. This allows him or her to deposit funds with the firm and invest in about any investment there may be. Through the brokerage, an investor can avail various purchases ranging from stocks, bonds, mutual funds, exchange-traded funds, index funds, options, futures, foreign currencies, real estate investment trusts, etc.

You would know that you’ve chosen the right business checking account when it caters well to most of your business needs. A business checking account is capable of handling your business finance with ease, but it comes at a cost. There are various options and kinds of business checking accounts offered by different banks with different charging rates for various aspects of banking.

A business checking account should be affordable and in line with the budgets of the business. If a business checking account is chosen without proper analysis of the business and the limitations set by the bank, there will be an unnecessary charge of the excess fee over various services which if unconsidered could over shoot the budget.

Checking accounts are indispensable financial tools. However, nowadays, several banking institutions charge account maintenance fees that can be as much as $15 a month. Therefore, you must opt for a free checking account that does not come with rules. Here, we will look at the best free checking account options that also come with several perks, such as the ability to earn interest on your balance and out-of-network ATM reimbursements.  Top free checking accounts: