Introduction

People use personal loans for many needs thanks to their loan flexibility and simple approval process. Many people choose it because the personal loan is flexible and provides fast results and easy access. Before using a personal loan, you need to create an effective repayment strategy. For more information click good at personal loan  tanjong pagar. This  article provides a general overview of common reasons to take a personal loan and its repayment.

Certain Reasons to Take a Personal Loan

People use personal loans for important purposes in their lives. These are:

• Medical Emergencies: Medical emergencies can arise at any time unexpectedly, and not everyone carries insurance to pay for treatment. Personal loans helps an individual to cater the medical emergencies in an effective manner.
• Wedding: Many people take personal loans to meet up the expenses associated with the marriage. Taking personal loans helps an individual to cater wedding expenses and enjoy the event fully.
• Use Funds for Educational Growth: Educational programs and skill-based learning opportunities regularly cost substantial amounts of money. A personal loan helps students pay their college fees and school supplies together with other necessary college expenses.
• Major Purchases: You need to spend a lot to buy basic home items, including furniture, technology equipment, and household devices. Personal loans help you pay for big expenses slowly without affecting what you need to pay each month.
• Business Funding: Whenever someone launches their small business, they need money to move forward. A personal loan offers short-term money that helps you manage your business needs, including inventory, marketing, or everyday operations.

Repayment of a Personal Loan

Timely repayment of personal loans helps both your financial well-being and protects your credit score. Before you proceed, carefully read through the loan details, especially the interest rate, period of repayment, and late payment consequences. Set up a budget that shows where your money will go each month so you can pay your Equated Monthly Installments (EMIs) on time. Using automatic payments helps you meet your deadlines on time, while making advanced payments helps you pay down your loan sooner and save money on interest. Keeping an eye on your loan balance, plus building an emergency fund, protects you against unexpected costs that create repayment problems.

Conclusion

A personal loan is a kind of unsecured loan that is taken to fulfil various needs like medical emergencies, education, home renovation, repairs, etc.

Planning a funeral can be emotionally and logistically overwhelming, especially during a time of grief. A professional funeral service provider can offer the expertise, support, and resources needed to ensure a meaningful and well-organized farewell for your loved one. Here are key reasons to choose a funeral service provider. And, to get the voted best budget funeral services, feel free to contact Shalomfuneral.sg

Expert Guidance and Support

Funeral service providers have extensive experience in handling all aspects of funeral arrangements. From coordinating with religious leaders to managing legal documentation, they guide you through the process with empathy and professionalism, ensuring no detail is overlooked.

Customizable Services

All humans are different, & so should be their departure. Funeral service providers offer customizable options to personalize the ceremony, including music, floral arrangements, and memorial tributes, ensuring the service reflects the personality and wishes of the deceased.

Stress-Free Planning

Funeral planning involves numerous tasks, such as arranging transportation, securing a burial plot, and organizing ceremonies. A funeral service provider takes care of these logistical details, allowing families to focus on grieving and supporting one another.

Financial Transparency

Reputable funeral service providers offer clear and detailed pricing, helping you understand the costs involved. They can tailor services to fit your budget without compromising the quality of the arrangements.

Access to Resources

From embalming services to grief counselling, funeral service providers offer a wide range of resources to support families. They also handle critical paperwork, such as death certificates, permits, and insurance claims, saving you time and effort.

Cultural and Religious Expertise

If your family has specific cultural or religious practices, funeral service providers can ensure these traditions are respected and incorporated into the ceremony. Their familiarity with diverse rituals adds a meaningful and authentic touch to the service.

Convenience and Professionalism

Funeral service providers operate with professionalism, ensuring that the ceremony runs smoothly and according to schedule. Their team works discreetly behind the scenes, allowing you to focus on remembering your loved one without worrying about logistical challenges.

Conclusion

Choosing a funeral service provider simplifies the complex process of planning a funeral, ensuring a dignified and meaningful tribute to your loved one. Their expertise, support, and personalized services provide comfort during a difficult time, allowing families to grieve without added stress.

FAQs

1. What does a funeral service provider handle?
   They manage all aspects of funeral arrangements, from documentation to ceremony planning.
2. Can I customize a funeral with a service provider?
   Yes, providers offer customizable options to reflect the deceased’s personality and preferences.

Are funeral service providers expensive?
Costs vary, but providers typically offer flexible packages to accommodate different budgets.

Unexpected financial needs can arise in today’s fast-paced environment. Whether it’s for home improvements, medical emergencies, or a dream vacation, personal loans offer a convenient and flexible solution. If you’re looking for a way to handle these expenses, it’s essential to be good at personal loan.

Understanding Personal Loans

Unsecured loans that can be utilized for a variety of purposes are called personal loans. Unlike secured loans, which require collateral, personal loans are based on your creditworthiness and ability to repay. This makes them an attractive option for many borrowers, as they don’t have to put their assets at risk.

One of the key benefits of personal loans is their versatility. You can use them for almost any purpose, giving you the freedom to manage your finances as you see fit. Additionally, personal loans typically come with fixed interest rates and repayment terms, making it easier to budget your monthly payments and avoid surprises.

Applying for a Personal Loan

While the process of applying for a personal loan is simple, doing it well calls for serious thought and preparation. Here are some tips to help you navigate the application process effectively:

1. Assess Your Financial Situation- Before applying for a personal loan, take a close look at your finances. Establish how much you must borrow and be sure you can afford the payments each month.

• Check Your Credit Score- Credit score plays a crucial role in determining your eligibility for a personal loan and the interest rate you’ll be offered. A higher credit score could lead to better financing conditions.

• Compare Loan Options- Not all personal loans are created equal. Take the time to compare offers from different lenders to find the best terms and conditions. Look at factors such as interest rates, repayment terms, fees, and any additional benefits that are offered.

• Read the Fine Print- Be sure you are aware of all the terms and conditions before signing any loan arrangement. Payback schedule, interest rate, and any other associated expenses should all be closely monitored.

• Plan Your Repayment Strategy- Once you’ve secured a personal loan, it’s crucial to have a plan for repaying it. Stick to your budget and make your payments on time to avoid late fees and potential damage to your credit score.

Conclusion

Being good at personal loans means understanding how they work and making informed decisions throughout the application process. By assessing your financial situation, checking your credit score, comparing loan options, reading the fine print, and planning your repayment strategy, you can effectively manage your loan and use it to achieve your financial goals.

Predatory Lending practices can include excessive fees, high interest rates, and deceptive tactics designed to trap borrowers in a cycle of debt. For a good at personal loan experience, choose a lender with competitive interest rates, flexible repayment terms, and excellent customer service.To protect themselves from predatory lending, borrowers should be aware of the following strategies:

 1. Research and Compare Lenders

Before obtaining a loan, research and compare multiple lenders to understand the range of options available. Look for reputable lenders with a track record of fair lending practices and positive customer reviews. Avoid lenders who use aggressive marketing tactics or promise guaranteed approval regardless of credit history.

 2. Understand the Terms and Conditions

Carefully review and understand all terms and conditions of the loan agreement before signing. Pay close attention to the interest rate, repayment schedule, fees, and penalties. If any terms seem unclear or too good to be true, ask the lender for clarification or seek advice from a financial advisor.

 3. Beware of High-Pressure Sales Tactics

Be wary of lenders who pressure you to borrow more than you need or encourage you to sign loan documents hastily. Take your time to consider all options and only proceed with a loan that you feel comfortable with.

4. Avoid Payday and Title Loans

Payday loans and title loans are notorious for their high interest rates and short repayment periods, which can lead to a cycle of debt for borrowers. Whenever possible, avoid these types of loans and explore alternative sources of financing, such as personal loans from banks or credit unions.

 5. Check for Hidden Fees and Penalties

Read the loan agreement carefully to uncover any hidden fees or penalties that may not be immediately apparent. Some lenders may impose excessive fees for late payments, prepayment penalties, or loan origination fees. Understanding these costs upfront can help you avoid unpleasant surprises later on.

 6. Verify Licensing and Accreditation

Ensure that the lender is licensed and accredited to operate in your state or country. Licensed lenders are required to adhere to specific regulations designed to protect borrowers from predatory practices. You can verify a lender’s licensing status through your state’s financial regulatory authority.

 7. Seek Financial Counseling

If you’re unsure about the terms of a loan or whether it’s the right option for you, consider seeking advice from a certified financial counselor or advisor. These professionals can provide impartial guidance and help you evaluate your financial situation to make informed decisions.

 8. Know Your Rights

Familiarize yourself with your rights as a borrower under consumer protection laws. If you believe you’ve been a victim of predatory lending, don’t hesitate to report the lender to the appropriate regulatory authorities and seek legal assistance if necessary.

 Conclusion

Avoiding predatory lending practices requires vigilance, research, and careful consideration of loan terms. By researching lenders, understanding loan agreements, avoiding high-pressure sales tactics, steering clear of high-cost loans, checking for hidden fees, verifying licensing, seeking financial counseling, and knowing your rights, borrowers can protect themselves from falling victim to predatory lenders and make sound financial decisions. Remember that if a loan seems too good to be true, it probably is, and it’s essential to trust your instincts and proceed with caution.

Peer-to-peer (P2P) loaning has emerged as a popular alternative to traditional banking for borrowers seeking financing and investors looking for attractive returns. This innovative form of lending connects individuals or businesses in need of funds with investors willing to lend money, often through online platforms. Yet, dealing with the domain of P2P lending needs careful consideration of its pros, cons, & best practices. And, if you’re interested in looking for experts good at personal loan, then follow the embedded link.

Peer-to-Peer Lending:

In P2P lending, borrowers create loan listings detailing their borrowing needs and financial background, which are then posted on P2P lending platforms. Investors can browse these listings and pick to fund loans based on factors like credit risk, loan purpose, & interest rates. When it is funded, borrowers make fixed monthly payments, including principal and interest, until the loan is fully repaid.

Pros of Peer-to-Peer Lending:

• Accessibility: P2P lending provides access to funding for individuals and businesses that may have difficulty obtaining loans from traditional banks due to credit history or other factors.
• Competitive Rates: P2P lending often offers competitive interest rates compared to traditional bank loans, particularly for borrowers with good credit profiles.
• Diversification: Investors can diversify their investment portfolios by allocating funds across multiple loans, spreading risk and potentially enhancing returns.
• Speed and Convenience: The online nature of P2P lending platforms allows for quick loan approvals and funding, making it a convenient option for borrowers in need of timely financing.

Cons of Peer-to-Peer Lending:

• Risk of Default: P2P lending carries the risk of borrower default, which can result in partial or total loss of invested funds for investors.
• Lack of Regulation: Unlike traditional banks, such lending platforms may not be subject to the same regulatory oversight, leading to potential risks for both borrowers and investors.
• Limited Loan Amounts: P-2-P lending may not be suitable for large loan amounts, as individual investors may be limited in the amount they can contribute to any single loan.
• Market Volatility: P2P lending returns may be affected by macroeconomic factors and market conditions, leading to fluctuations in investment performance.

Best Practices for Peer-to-Peer Lending:

1. Research Platforms: Thoroughly research P2P lending platforms, including their track record, reputation, and loan underwriting processes, before participating as either a borrower or investor.
2. Diversify Investments: Spread investment across multiple loans to mitigate the risk of default and enhance overall portfolio performance.
3. Credit Risk: Evaluate borrower creditworthiness based on factors such as credit score, income stability, and debt-to-income ratio to minimize the risk of default.
4. Check Investments: Regularly monitor the performance of P2P loans in your portfolio and take proactive measures to address any delinquencies or defaults.
5. Study Terms: Familiarize yourself with the terms and conditions of P2P loans, including fees, repayment schedules, and prepayment options, to make informed borrowing or investment decisions.

Briefly, p-to-p lending offers both opportunities & challenges for borrowers and investors alike. By understanding the pros, cons, and best practices associated with P2P lending, individuals can navigate this alternative form of financing effectively and make informed decisions to achieve their financial goals.

Buying cryptocurrency has turn into a preferred funding option in recent times. With the rise of digital currencies such as Bitcoin, Ethereum, and Litecoin, increasingly folks wish to enter the crypto market. However, earlier than you bounce into this exciting world, it is essential to know the prices related to buying cryptocurrency.

Exchange Fees

One of the primary costs you’ll encounter when buying cryptocurrency is the trade charges. These charges range from one platform to another and can be charged in different ways. Some exchanges charge a share charge primarily based in your transaction’s total value, while others have a set fee per transaction.

It’s important to research and evaluate totally different exchanges to seek out the one that provides the lowest fees. Additionally, some exchanges may offer discounted fees for high-volume traders or customers who maintain their native tokens.

Deposit and Withdrawal Fees

In addition to trade fees, you could also encounter deposit and withdrawal charges when buying cryptocurrency. These charges are sometimes charged by the monetary institution facilitating the transfer of funds between your checking account and the change platform.

While these charges could seem small individually, they can add up should you incessantly transfer funds out and in of exchanges. Therefore, it is important to think about these costs when calculating your overall crypto investment bills.

Spread Costs

Spread refers to the difference between the purchase and promote prices of a cryptocurrency. This distinction represents the profit margin for the trade platform. When buying cryptocurrency, you will doubtless face a spread cost, which may range depending on market volatility and liquidity.

It’s essential to control the spread and attempt to decrease this cost as a lot as potential. Some exchanges supply tighter spreads than others, so researching and comparing varied platforms can help you make a more informed determination.

Network Fees

When transacting with sure cryptocurrencies, corresponding to Bitcoin and Ethereum, you will encounter community fees. These fees are paid to miners who process and verify transactions on the blockchain community.

The network charges can differ depending on the current demand for processing transactions and the dimensions of your transaction when it comes to knowledge. During occasions of high network congestion, fees tend to increase, so it’s important to think about these costs when buying cryptocurrency.

Price Volatility

Besides the direct prices associated with shopping for cryptocurrency, it is essential to consider the price volatility of digital belongings. Cryptocurrencies are identified for his or her wild value swings, which may result in vital positive aspects or losses.

If you plan to buy and maintain cryptocurrency as a long-term investment, be ready for potential fluctuations in worth. It’s wise to speculate only what you presumably can afford to lose and diversify your portfolio to mitigate risk.

In conclusion, buying cryptocurrency comes with various costs that should be carefully considered. Exchange fees, deposit and withdrawal sell bitcoin e transfer fees, spread costs, network fees, and price volatility are all factors that can impact your overall expenses and potential returns.

Before entering the crypto market, take the time to research and understand these costs. By doing so, buy bitcoin rig you can make more informed decisions and navigate the world of cryptocurrency with confidence.

Biotechnology is an essential industry that uses microorganisms to create medicines and other products. Former CFO, David Johnston, says biotechnology is especially important for developing new antibiotics and other medicines that can save lives.

IBISWorld estimates the U.S. biotechnology industry will generate more than $193 billion in revenues and should continue to grow. The United States is the global leader in biotechnology, which is encouraging for emerging biotech firms.

Like any new venture, emerging biotech firms must be careful with their finances. David Johnston explains that there are four financial challenges that emerging biotech firms must overcome.

Funding R&D of New Products

A biotech firm needs to produce innovative products that are better than its competitors’ offerings. Those products must undergo continual improvement and innovation to stay ahead of the field and address new challenges. For Best tax tips Contact is !

Maybe a new virus causes a pandemic, or perhaps existing products are not as effective as they could be. Research and development help to create new biotechnologies that could become effective medicines and other products.

The cost to perform research can be very high, so many biotech firms outsource at least some of their research projects. Outsourcing requires confidential agreements and compensation for the research organization.

Such challenges can make it very difficult for emerging biotech firms to generate profits. So it is important to reach clear agreements and focus on viable and potentially profitable projects for all interests.

Consolidating Business Interests

In addition to outsourcing, many emerging biotech firms enter into agreements with other entities to combine their resources to produce new products via biotechnology. Those agreements often result in friction between two or more organizations, but they need to work toward a common goal.

Consolidating business interests can help to accelerate research and development while lowering the cost to produce new biotech products. The consolidation requires a very clear structure and chain of command to enable the best possible results.

Recognizing Revenue Streams

It is very important to properly account for all potential revenues and report them in an ethical and lawful way. Emerging biotech firms should recognize when they have a contract with a customer and ensure all performance standards are attained by the involved parties.

The emerging biotech firm must place a dollar value on various transactions and ensure any performance contracts clearly stipulate what must be done and at what cost. Only then is it possible to recognize revenue streams versus performance obligations.

Reporting Financial Condition

David Johnston says it is important to report the financials and performance obligations to provide investors and others with an accurate assessment of the firm’s financial condition.

Emerging biotech firms require substantial investment to achieve new breakthroughs. It is very important to record spending and account for expenditures so that the investors have full transparency.

It also is important to clearly report reasonable income expectations and anticipated costs.

Preparing for Success

Emerging biotech firms cannot succeed without a viable business plan and implementing it. Preparing for success is an essential part of attaining it, and knowing the four financial challenges can help firms to overcome them.

We can all agree that investing in gold comes with numerous benefits. Still, it is vital to understand everything you can get after using retirement funds to purchase physical gold on a self-directed individual retirement account. 

Of course, you should remember that a regular IRA does not allow investing in gold, but you can choose other options. It means you can invest in a gold IRA, which is a perfect way to diversify your portfolio and protect other investments. You can find a wide array of the best gold IRA companies to help determine the course of action. 

Remember that a gold individual retirement account is self-directed, meaning you can take advantage of precious metals. However, it comes with more significant fees than Roth or traditional IRA, where you can take advantage of mutual funds, bonds, and stocks. Finally, a gold IRA is a perfect solution to protect your investments against inflation. 

You should know that gold value per ounce has changed significantly over the last thirty years. It went from two hundred dollars in ninety-nine to two thousand dollars in 2020. It goes up and down in opposition to economies and potential turmoil.

Besides, a self-directed IRA is an aspect of an IRA or individual retirement account that will allow you to invest in precious metals, including palladium, platinum, silver, and gold, instead of other, more prominent, and usual assets. 

In the ’97, Congress allowed precious metals in an IRA, while the US mint started producing silver and gold bullion that became highly popular among citizens.

Gold IRA

Individual retirement accounts appeal to investors who want to diversify portfolios for retirement purposes. Since the value moves in the opposite direction of regular options dependable on paper assets, you can take advantage as the insurance against inflation and turmoil. 

Creating a balance in your portfolio will reduce risks, especially since retirement investing is a long-term option. That is why you should implement intelligent choices regarding different options, which is vital to remember. You should click here to learn everything about precious metals as investments. 

The process requires finding a custodian or trustee, which will feature an approved depository by the IRS. Since the Great Recession happened in 2008, people started using options that allowed them to keep money and ensure overall stability. That is why the market features record gold sales, especially for retirement purposes. 

Of course, we should mention the impact of the world and economic news because the Federal Reserve’s stimulus programs affected the chances of geopolitical risk. 

Rules You Should Follow

You can choose either Roth or a traditional option. It does not matter which version you get because you can invest only in physical commodities, meaning bullion and coins. 

The first thing you should consider is whether you wish to get a physical investment in a portfolio instead of precious metal companies’ mutual funds, stocks, or exchange-traded funds, which will allow you to invest without changing the type of retirement account. 

However, if you choose to get a physical metal, you should follow relevant rules for holding it. For instance, it should be refined and meet IRS standards, while you must choose the trustee, meaning you cannot hold it safely in your home. 

The precious metals must be in an IRS-approved depository, meaning you should research before making up your mind. Stashing bullion in the closet, safety deposit boxes and safes is not possible. Instead, you should follow IRS rules, while understanding the regular taxes, disbursements, and contributions. 

Find Custodian or Broker

Suppose you wish to purchase precious metals. You should first open a self-directed individual retirement account, meaning you can manage it directly and take advantage of a wide array of financial products. 

However, for precious metals, you should find a broker to purchase the amount you want and a custodian who can create the account. The company will hold any weight you decide to get, which is vital to understand. 

In most cases, custodians are trust companies, banks, credit unions, savings and loan associations, brokerage firms, and other agencies or companies who have approval from state or federal agencies to offer custody services to financial advisors and individual investors. 

Check out this guide: https://www.wikihow.com/Invest-in-Gold to understand each step along the way. 

They will not choose dealers for you, meaning you should find the best person for the job. Still, the expert will share the list of best options, meaning you can avoid losing time vetting each one.

Buying precious metals can undoubtedly be a lucrative endeavor if approached from the right angle, but it can also be difficult, especially if you’re conducting your affairs online. It’s always important to proceed with caution when making any financial transaction on the Internet. Still, it’s especially so, given the value of the items under discussion.

Thankfully, a solution has presented itself – Gold Safe Exchange. As the name suggests, this is a fast, efficient, and, most importantly, simple way to trade precious metals right from your web browser. Now, you are no longer limited by factors like geography or expertise when it comes to buying gold. People from all backgrounds can take advantage of it, going a long way towards diversifying their wealth.

All told, using a service like Gold Safe Exchange brings a wide range of benefits, all at the same time.

Fend Off Inflation

If you’ve been paying attention to the news recently, you’re undoubtedly aware that there has been a lot of talk about the harmful impact of inflation on the economy. Increasing prices in sectors like energy, labor, and housing are driving up inflation at a rate that, for many, is exceeding what they’re earning on many forms of investment. This is not an issue that is unique to the United States; for the record – it’s happening all over the world.

When inflation rises, it devalues our currency. When it rises too fast, it can play havoc with the markets. Physical precious metals like gold are very resistant to quick changes in the market by their very nature. The same is not true of the value of a paper currency like the dollar, which can fluctuate wildly even over the span of a day.

The value of the dollar is also heavily dependent on a lot of outside factors, with the activities of the Federal Reserve being one of them. If the Federal Reserve decides to raise or lower interest rates as they often do, it will immediately impact the value of our currency in the United States. The same is true of actions pertaining to Central Banks and even the global economy.

However, the value of a precious metal like gold is far less likely to have these types of swings because it is less dependent on these external elements. In fact, banks generally prefer holding gold because it’s far easier and more stable in the long run.

Gold Safe Exchange Couldn’t Be More Straightforward

Another one of the major benefits that come with using Gold Safe Exchange comes by way of just how easy it is to use. For many, getting started with gold and other precious metals can be a time-consuming, confusing, and ultimately frustrating experience. Thankfully, that is no longer the case, as Gold Safe Exchange makes things effortless from start to finish.

Finally, everyone has the opportunity to diversify their wealth, protecting that which they worked so hard to earn. They don’t have to worry about global economic instability and don’t even have to partner with a financial advisor if they don’t want to. Everything can be accomplished quickly and easily, putting you in control of your financial future the way it should be.

If you’d like to find out more about Gold Safe Exchange and its benefits, or if you’d just like to get started with gold and other precious metals right away, please don’t hesitate to visit Gold Safe Exchange today.

Short-term disability insurance is designed to help bridge the gap in your finances if you can’t work for a short period. It provides benefits when a person is unable to work, says Wellman Shew. 

Before buying, ask yourself these 5 questions to make sure you’re making the right decision.

What is Short-term Disability Insurance? Wellman Shew Explains.

Short-term disability insurance provides an income if you’re unable to work for a short time due to injury or illness. It provides coverage for six to 12 months, after which your long-term disability coverage kicks in if you still can’t work.

Wellman Shew says it’s different from long-term disability insurance, which replaces a portion of your income if you become disabled and can’t work for a year or more. You can get short-term disability insurance through your employer as a voluntary benefit or purchase it as supplemental coverage.

Short-term disability insurance is also different from health insurance, which pays for medical bills related to an illness or injury.

Why Is Short-term Disability Insurance Important?

If you’re injured or fall ill, short-term disability insurance offers financial security by paying part of your lost income. It gives you time to recover and return to work.

It can also help cover the cost if you have a disability-related expense. And the policy can help ease the financial burden if you can’t work for a short time due to injury, illness, or a family member’s medical needs. Wellman Shew adds that if you don’t have savings or can’t cover the costs, you could face financial difficulty and stress.

Who Is Eligible for Short-term Disability?

Short-term disability insurance provides a benefit if you become unable to work for a short period due to injury or illness. The length of time you can receive short-term disability benefits varies and is based on the type of policy you have and the reason for your disability.

The insurance plan typically provides coverage for six to 12 months and then transitions to long-term disability coverage. In some cases, short-term disability benefits may be available even if you’re not disabled.

Short-term disability policies may require you to be absent from work due to an injury or illness that is verified by a doctor. Policies vary, so check with your employer to understand the specific requirements for your coverage.

How to Choose the Right Short-term Disability Plan? 

Wellman Shew says you need to read the fine print to understand the details of the plan if your employer provides short-term disability coverage. You can also purchase the policy on your own if your employer doesn’t offer short-term disability coverage.

When choosing a short-term disability policy, consider the following:

• Does the policy require a waiting period?
• How long is the waiting period?
• What is the benefit amount?
• How is the benefit amount calculated?
• Is there a maximum benefit amount?
• Does the policy cover ongoing medical expenses?
• Is there a coverage amount per month?
• Is there a maximum coverage amount per month?
• What is the insurance company’s rating?
• Are there any discounts or other benefits associated with the policy?

Short-term disability insurance can help ease your financial burden of a disability by replacing some of your income while you recover. To decide if the coverage is right for you, consider your current financial situation and plan for unexpected events.

Wellman Shew holds a business administration degree and has been in the insurance industry since 1982. As the founder and owner of Shew & Company Inc. since 2005, he is a specialist in employee benefits, Section 125 plans, health savings accounts, long-term care, 401k plans, life insurance, and disability insurance. Wellman Shew is currently the agency manager of employee benefits brokerage at his company.