Sign up for our FREE Monthly Email Newsletter
In addition to keeping in the financial know, you may be interested in checking your credit score and report.
¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
Do you know the history behind the tradition of New Year’s resolutions? New Year’s Day was established to honor Janus, the god of Roman mythology who, with his two faces, looked back on past events as well as forward into the future. The Romans made resolutions that had mostly a moral flavor. Today, all resolutions have good intentions, but sometimes they don’t last far into the future.
A big obstacle to achieving your resolutions can be procrastination. I’ve heard all the reasons in the book for why people don’t address their insurance and financial-planning goals:
I don’t have the money. (When was the last time you ate out?)
I don’t have the time. (How many reality TV shows do you watch per week?)
If I buy life insurance, I might die. (My absolute favorite, yet absurd, excuse.)
I have inheritance money earmarked. (Eventually…but what about now?)
My BlackBerry deleted my appointment with the insurance guy. (Use a paper calendar.)
I heard it’s too expensive if you’re not in perfect health. (You don’t know unless you get a quote.)
My wife can marry for money next time. (My second-favorite absurdity.)
And, of course, the classic excuse:
My dog ate my financial plan.
My personal mantra (adopted from Nike) is “Just do it.”
Now that I’ve guilted you into discarding your excuses, consider what you need to do to get your insurance portfolio ready for the New Year.
Some questions you don’t have to wait until New Year’s to ask. Big life changes usually mean it’s time to review your insurance portfolio. Are you:
Having a baby?
Buying a home?
Starting a business?
Merging with another business?
Worried about or taking care of parents?
Dealing with the death of a loved one?
What are you waiting for? Make the call.
Linda Rey is a licensed insurance agent at Rey Insurance with a broad spectrum of expertise in life, accident, health, property and casualty insurance as well as retirement planning and college funding strategies.
Evaluating Your Insurance Needs on a Tight Budget
Laddering Insurance Policies
Emergency Essentials: Preparing Your Paperwork and Personal Information for an Emergency
Road Warrior Tips: How to Handle an Accident When Traveling on Business
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.