7 Key Tests to choose the right Auto Insurance Company - Part I
Whenever I think of any insurance, a common phrase pops in my mind,
“Any insurance is only worth dollars, if and only if the insurance company is strong enough to pay you when needed”
We feel safe by having insurance so it doesn’t really worth a dollar if the insurance company won’t be able to pay for your claims. It will be a mere waste of money and can cause a financial turmoil in our life. That brings an important point, you better select the right insurance carrier for your insurance needs. It is totally our responsibility to do so.
Even with as many cars in the road, insurance companies still fight to get your business in whatever way they can. They always market their products like any other business person by buffing it up to attract you, the consumers. But it is us, the consumers who need to research about the insurance companies and make a sound decision to avoid getting trapped. It is not an easy task to judge a company but there are few simple tests that can help you determine which insurance company is better or best.
If you are currently looking to buy auto insurance, first list down all the companies you short listed in a paper. Then try out these test criteria’s one by one and see how they score out of 10 points.
Test 1: Cost/Premium check
Cost (premium) is the key factor in many of our buying experience and one among many important parameters in our decision making process. As the saying goes, “You get what you pay for”, which holds true in insurance too. Lot of small insurance company’s charges little bit more compared to nationwide companies. But they work very closely with the insured taking care of their needs especially process the claims timely. At the same time, big insurance companies which charges hefty premium and promises to offer premium service, fail to deliver them in the long run.
So don’t just make the decision solely based on the premium or cost of the insurance because premium is not just only based on the insurance company’s expenses. It is also computed taking lot of other factors into consideration like your credit rating, driver’s history, your age risk pool and many others. Keeping that in mind, try to use the cost as a benchmark to compare against different companies for the same level of coverage and give a score for your list of companies.
One more important thing, almost all sates have insurance commissioners who monitor the insurance rates to keep them under certain limit. It is regulated to certain extent so you won’t see a big difference.
Test 2: Complaints Index
Every business always has good and bad customers. Some really like the 
service and happy with it whereas others who had bad experience complain all about it. Insurance companies aren’t an exception. The best kept secret is the compliant records of the insurance companies. Your state, and every state, has a department of insurance. Here is the link for State of Texas. Due to lack of marketing, not many of us know about it. Most of them even have web sites, and many publish "consumer complaint ratios" for all of the insurance companies that sell policies in their state. This ratio tells you how many complaints an insurance company received per 1,000 claims.
If you can't get complaint ratios for your state, you can get an idea by looking how a company treats it’s customers by checking the complaint ratios published by other states. High number of complaints surely makes you pause for a moment, even if the company is financially appealing.
Check out the complaint ratio by visiting this site which has links for every state's department of insuranceand see how your insurance companies scored according to their complaint ratio.
Additionally, the department of insurance websites often provides basic rate comparison surveys like the one by Texas. It sheds you another clue about insurers who might suit your budget avoids taking trouble getting quotes directly.
Look out for other Tests in next blog post...
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What is special about Financial Planning - Explains Carolynn Tomin, CFP
Many of you know, I am working on my CFP certification and doing courses thru Boston University. I was fortune to read online materials prepared by experienced professionals and one among them is Carolynn Tomin. She is a Certified Financial Planner™ professional who specializes in financial education. Carolynn is a consultant to Boston University's Program for Financial Planning, where she edits, writes and oversees curriculum for their online Financial Planning Program.
As we are discussing more about 401K, retirement and financial planning in the past few posts. I decided to get in touch with her personally and was able to get some answers for questions everybody has these days.
Vijai: Can you explain to an ordinary person who doesn't have any money management experience about financial planning? Is it a essential to any person for their financial wellness?
Carolynn: The purpose of financial planning is to make sure you have a plan in place to reach your financial goals. Money is only a means to an end- what do you need to spend it on (your fixed expenses) and what do you want to spend it on (your short-term and long-term goals) Once you have identified your goals you will know how much money you will need at a future date. Then you devise a plan to make sure that money will be available when you need it. If you don't have enough income, assets, investments etc. to reach your goal, you may have to delay achieving your goal or create strategies to obtain more income, invest more wisely, save more money each month, cut back on your discretionary expenses etc. But if you don't have a financial plan in place, you may be planning to fail.
Vijai: What do you see as the major distinction between financial planning and estate planning?
Carolynn: Estate planning is an important part of financial planning. Estate planning protects you, your family and your entire estate, which is the wealth and assets you have accumulated during your life, and plans for how those assets will be protected and distributed during your life and at death. Estate planning also ensures that you have proper legal documents in place such as wills, trusts and powers of attorney, and estate planning may even lower your gift and estate taxes.
Vijai: What is the importance of Will and Trust?
Carolynn: There are many different types of trusts and they are used for specific purposes. For example, if you wanted to protect your property if you became incapacitated, you could set up a revocable trust now that would manage your money and property if you became incapacitated in the future. All trusts have a trustee who manages the money and property in the trust for the trust beneficiaries.
Vijai: I mentor people to be their own financial planners. I recommend them to start planning their finances for their better future. I tell to make money rightly, save more, spend less and give graciously. At the same time, no one can be an expert of everything. It is a tough task so I suggest them to seek CFP and CFA's help when thing go beyond your control. What do you think about that?
Carolynn: I like your approach to helping people who are in need of financial planning advice. Many people are overwelmed by the complexity and sheer volume of financial planning information that's available when they are trying to sort out what information may pertain to them. Once they get beyond learning the basics of financial planning there are topics such as insurance, investments, retirement planning, taxes and estate planning to learn about.
People who need financial planning advice should consult a Certified Financial Planner because that person has completed their education, has passed a rigorous 10 hour exam, has at least 3 years of work experience, and they are bound by a Code of Ethics for Certified Financial Planners. These 4 E's- education, examination, experience and ethics are what separates Certified Financial PLanners from those who just call themselves financial planners or financial advisors. People in need of planning will receive competent advice by Certified Financial Planners who will put their clients interest before their own. That's because CFP practitioners have a fiduciary duty to put their client's interests first.
I hope to get some more questions answered and will publish them as Final part.
Know your options and Save your 401k funds
Lost your job and wondering what happens to your 401k or employee sponsored savings?
Getting bombarded by calls/ads/emails from financial firms to rollover your 401K fund?
Many Americans are facing the same situation and asking similar questions as more than 4 million lost their job last year. After losing a job, you don't think about 401k for a while because you are busy hunting for the new job. With job market still in limbo land, many people are having tough time finding any job and struggling to feed their families. In this situation, they are looking for options to earn and even willing to break their nest egg to get through the current situation and worry about retirement later. 
In my last post, I stressed the importance of timely action on your 401K before it's too late whether you decide to save or take out distributions. How you handle your 401-K account can result in anywhere from zero to hefty taxes and penalties. This blog post, I plan to share few important questions and answers with my research, study and experience in rolling over 401K during the job change 2 years ago.
First question, What are my options?
There are several options when it comes to saving your 401-K and your former employer or 401k administrator from investment company should have already provided you with information. If not, here are some important options:
1. Stay In
You can stay put with the former employer plan unless there is no restrictions and limitations.
Pros: No Paper work, Low fees, Better investment options, money grows tax deferred.
Cons: Higher fees, no contribution from employer, no flexibility, less attracive plans and importantly minimuim balance requirement. ($5000 most cases)
2. IRA Rollover
Next comes the IRA Rollover which is highly recommended and advertised in the past year by lot of brokerage and mutual fund companies. It is easy and has lot of advantages.
Pros: No penalty or Income tax when rolled over directly, tax deffered growth, more investment options, Direct control over money, great flexibility to change funds any time.
Cons: 401K security value might be down because of stock market and lose money by rollover since they need to cash the security before rolling over. Also usual IRA withdrawal rules apply.
In general all the contribution by you and vested employee portion in the 401K plan is eligible for rollover. A rollover can be paid directly to you or it can be implemented as a direct rollover.
Direct Rollover: The funds in your 401-K account are paid directly into the IRA. With a direct rollover, the 401-K administrator is not required to withhold any income tax and you do not owe a penalty. It has become easy with Internet and many companies allow internet application submisions.
Check Payment: Many 401K administrators send check directly to you if they havn't heard with 60 days. When you receive your 401-K distribution, your former employer has withheld 20% as taxes. This withholding is a requirement. It does not mean you will owe the tax. In order to avoid taxes and tax penalty you must: 1. Deposit full amount including the 20% withheld by employer with your funds into your IRA account within 60 days of receiving the funds. When you file your taxes for the year you will not owe taxes on your rollover, but will be able to include the 20% withheld as income tax paid.
If you do not pay full amount, you will owe Income taxes at your current tax rate on the amount of 401-K funds you did not rollover plus additional 10% tax penalty is due because you received retirement funds before you reached 59-1/2.
Because of above complications direct rollover is less risky, faster, less time consuming and not as complicated as a payment made to you.
3. Rollover to New Employer 401K Plan
You can also choose to wait and roll over to your new employer 401 plan depending upon your situation. That helps to keep all your 401k money in one place. But you have to find the job on time and also you have to satisfy balance requirement to keep funds in the former 401k plan. You might endup paying higher fees during the interim period. Be aware of it and make decision.
4. Rollover Annunity
You can rollover to Insurance companies annunity option. A Rollover Annuity is a contract between you and a life insurance company that allows you to specify how you want to receive future income, and even elect a death benefit for your beneficiaries. Your money transfers to the annuity and earnings, if any, will continue to grow tax deferred until withdrawn.
Pros: No penalty or Income tax when rolled over directly, tax deffered growth, more investment options, Direct control over money, great flexibility to change funds any time and decide how your income will be paid.
Cons: If elected to get immediate withdrawal and below 59 1/2, penaly applies
5. Lumpsum Cash Out/Distribution
It is not recommended option but if you are above 59 1/2 age limit you can take out the money without any penalty and taxes implications. But when you don't find job and need to take care of the family, this has become only option for many people. SO if you cashing out 100,000 and you are in 25% tax rate, you would end up paying 25,000 + 10% penalty would be $35,000 loss.
Pros: Instant money from nest egg
Cons: Need to pay Income Tax if you are younger than 59 1/2 upto your tax rate + 10% penalities.
6. Safe Harbor Hardship Withdrawals
If you don't wish to take out full amount, you can always withdraw certain portion using the hardship withdrawal requirements. In this bad economy, uncle sam allows certain withdrawals (listed below)but still might need pay income tax and 10% penalty. Also funds are limited to the elective portion of the deferral, and not any income or interest on the deferred amounts. It might help to overcome the situation and not a bad option in worse situations.
Check 401khelpcenter.com for more info.
How easy is to rollover to an IRA Account?
It has become real easy these days, thanks to Internet. It took just a month to transfer my funds from ING Retirement account to TRoweprice Mutual fund IRA account. Not much paper work, all forms filled out over the internet and it all happened electronically. The process has gotten simpler with many investment companies so you shouldn't be worried. Steps to follow,
1. First determine which company to rollover (brokerages, banks&mutual funds)
2. Select the securities or funds to invest on
3. Check on the application process and timings
How to find the right company?
The answer to this questions depends on, what do you want to do with the money? Whether you want to invest in stock market directly and actively trade them or invest in mutual funds/index funds with the help of fund company or you want investment company to manage it for you. Depending on your selection, you path changes.
Once you understand the procedures for opening and funding your IRA, you are ready to begin the rollover process. If your IRA’s financial institution requires you to open an account before funding with a rollover (as opposed to simultaneously opening and funding), then submit the IRA application first.
Can I use Rollover offers?
Yes, there are plenty of rollover offers recently by brokerage and mutual fund companies. I was able to gather some offers:
TDAmeritrade - Free $500 give away for rollover with some restrictions
TRoweprice - Easy rollover and guidance
ING IRA Rollover - Free Transaction for life (for only ING funds)
Please use the above information as guideline purpose only and do verify with your contacts. Please read all of your 401-K and IRA documents and address any questions you have to your former employer and the financial institution for your IRA. Don't hesitate to consult a financial advisor or tax consultant.
ING DIRECT Homeownership Survey
I was contacted by ING DIRECT Corporate relation office and requested to share this informative public survey results. It is an eye opener bringing facts about Home ownership from real people.
Americans blamed low, no money down mortgages for economic downfall.
Wilmington, DE – Despite the mortgage crisis, two-thirds (67 percent) of Americans agree that homeownership is still an “aspirational” symbol of the American Dream, according to a recent ING DIRECT survey. But as lower housing prices are prompting Americans to revisit the housing market, the new survey also shows a lesson learned from the mortgage meltdown: save for a down payment.
More than four in 10 (42 percent) Americans think homes purchased with a bigger down payment in recent years could have reduced the number of foreclosures and prevented some of the current economic downturn, according to the survey. With a larger down payment, Americans can move into their new homes with a lower interest rate, reduced debt and owe less interest over time. In recent years, too many no-money-down mortgages were offered to homebuyers who could not afford to keep paying their mortgages after their homes lost significant value and the economy slowed.
“Owning a home is an opportunity, not an entitlement,” said Arkadi Kuhlmann, President of ING DIRECT USA. “Sadly, that message has been lost in translation over the past several years. Don’t trade your future for the instant gratification of owning a home you can’t afford in the long run. It you want to own a home, save for it, and our survey shows that Americans agree. ”
With low mortgage rates, more than 40 percent of American homeowners with a mortgage may refinance this year, according to the survey. Homeowners surveyed also indicated that they are seeking new options from the 30-year mortgage product. Nearly four in 10 (37 percent) Americans said they are likely to consider a mortgage that allows borrowers to make bi-weekly mortgage payments at no charge. Making payments every two weeks instead of once a month allows homeowners to pay off their mortgage faster.
“For a saver, there is nothing more rewarding than finally becoming mortgage-free,” said Kuhlmann. “Americans want home loans that eliminate years of payments and give them the freedom to own their homes sooner.”
The national online survey was conducted within the United States by Harris Interactive on behalf of ING DIRECT between May 20-22, 2009 among 2,122 adults age 18+, 1,514 of whom were homeowners. No estimates of theoretical sampling error can be calculated; a full methodology is available.
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Be your own Financial Planner
In my last post, we saw how Goal Setting works better than Resolutions. I also promised to show, how Goal Setting Techniques works better in achieveing your financial dream. Let's start with a quick check on your stand with money and move on setting some new goals, draft realistic plans and try to reach them by taking some action to make this year a fruitful one.
Self assess yourself by answering these 3 questions below and figure out where you are in regard to financial planning. Say "YES" if you have an answer or NO if you don’t have an answer or don’t know anything about the question.
Do you any personal financial goal like buying a new car or home? Allot a specific time. Sit down with a pen and paper or your computer. Start listing your goals, dividing them into three categories: short term, medium term, and long term.
• Short-term goals might include buying a new computer, or paying off credit card debt.
• Medium-term goals could be purchasing a car or going back to school.
• Long-term goals might be to buy a home, saving for your kids education or retire with enough money to live comfortably.
At the end, make sure you prioritize the list. Which ones are the most important to you? Which ones can wait? Define a Plan The goal is to buy a home in 3 years with 20% down payment. That's a SMART goal but to get you there you better draft a sound plan. In this case, you need to know things like:
Do you have a Budget in place to track all your income and expenses?
Do you have a Savings Plans to grow your money?
If you said “Yes” to all of these questions, you are really way ahead of many people. If you said “No” to all them, its better you start thinking about them, now as it’s the right time.
Set/Revisit your Goals
When comes to selecting and Setting goals, Try to set SMART goals. These are goals that are Specific, Measurable, Achievable, Relevant, and Trackable. For example, you may want to create an emergency fund in six months to have 3-6 months worth of your salary. 
People don't plan to fail, they usually fail to plan. If you want to go to a place, you better know your directions, otherwise you are sure to get lost. It is as simple as that. Similarly, if you have set your goals, you better work on a clear and concise plan to reach them. Let's define a plan by taking a simple goal.
Start out Amount: If you have $10,000 saved in a money market account, you may decide to allocate half of it to the down payment. In this case, you would write $5,000 under Current Assets.
Gap: Indicate the gap between the cost of each goal and the assets you have allocated, in our example $15,000.
Number of Years to Target Date: Enter the number of years between now and your target date, which is 3 years.
Amount to Be Saved Each Year: Divide the difference by the number of years to the target date. That amount you need to save each year to reach your goal is $5,000 a year.
Coming up with $5,000 for a year might be a tough deal. Try to split it monthly. You can then start a savings plan to save around $420 per month to get to $5,000 a year. The next and important step in the financial planning is executing the plan.
Ready, Set and Go: Take Action Making up goals and plans is just 20% of the challenge; executing them is 80%. In our example, you have the goal and plan to be ready to buy a house in 3 years with a 20% down payment.
How are you going to implement the plan if your financial situation is already tight? The first step is to analyze your current income and expenses to see where your money is going and what can you scale back. Start a simple budget to track your income and expenses, going after expenses which can be easily cut without affecting your lifestyle to achieve your monthly savings goal. Open a savings account or an add-on CD to put away a fixed amount every month. Or setup an automatic debit from your checking account to this savings account. This way you don't have to do it manually.
Finally stick to the plan rain or shine and you are sure to reap its rewards.
"Wisdom is knowing what to do next; virtue is doing it," said David Starr Jordan.
Think Positive - A must-to have Mantra
I am sure many of you, either read books or heard about this topic from lot of self development preachers. As this new year rolls around with lot of expectation and emotionaly challenging (for investors like me!!), Thinking Positive is a must-to have mantra especially for this year. I was reinstated by an incident of this mantra just before the new year. So I decided to share the story and want to reinforce to you all while its fresh from the oven.
Here is how the story starts.
RING, RING....
My wife calls me at my work on the new year eve (yep, you heard it. I was working!!) and told me, our Laptop wasn't booting up. I asked her to give it couple of tries but it didn't look like getting any life. So I told her to just leave it and I will get to it when I am get back home. It happened before because of loose power adapter. I thought it might be an easy fix to just plug it right.I never knew there was shock news waiting for me.
As soon I got home, I applied my trick fixing the power adapter but that didn't work. The laptop powers on but it fails to load the windows shutting down with blue screen. If you are savvy Microsft user, you might be familiar with blue screen death. It is a system crash and it might be very bad.
Since it is the only computer at home, I had everything both personal and business information. I am worried of losing the data as its been a month since my last backed it up. I was especially concerned about the pictures and video's of my son which we took last few months. I was bit upset and frustrated asking questions, "Why on the new years eve? Why to me?". I immediately started working on checking out whether I can access the data and luckily Hard disk didn't crash and its in tact. I was like "Thank God!".
That evening, I went to my friends place for the planned new's year party with my laptop so I can brainstorm the problem with him. I shared my concern with friends and they tried to help me out a bit. As he saw me bit upset, he mentioned about few incidents which made me realize a point. He told me, "You are frustrated about your laptop crash. There are people who have bigger problems than yours". He started listing few of the incidents from his friends circle. My wife also stressed the same point later that day.
I was totally taken back by hearing those incidents aboutf friends kid with no heart beat, friends kid with less platlets etc., They are real life stories and not just news. It is the struggle for life or death. It really opened up my thoughts and made me to see the broader picture. My problem is afterall a computer crash which can be fixed easily. I still have backup of data and might be just missing 2 months worth of it. So I started to Think on the positive side and just stopped my work right there. I went on to join the enjoyment and fun with friends and family. We had a good New year celebration mid night.
I am a optimistic person and I do think positive but sometimes problems has the tendency to immerse you in it not allowing you to see the bigger picture. Thats what happened to me but I got out of it. In today's financial mess, we all need to "Think Positive". Just imagine investors who lost millions of dollars when you only lost hundreds. You can get it back .
Moral: Everybody got problems small and big. Don't always thing just inside your own box, get out to see the broader picture. Your problems will become miniscule.
The ending for my story, I was able to fix the problem in a week and back on track from yesterday. So it wasn't bad at all.
Mahatma Gandhi who talked about people and their character once said, For a lighter note,
“A man is but the product of his thoughts what he thinks, he becomes.”
Those are wise words as always. You are who your thoughts are.
Always, Think on the positive side like the guy below on the lighter note. You will make the right decision to go on right direction at the right time.
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Are you Money Smart$$$?
Are you Money Smart?
Let's take a quick moment and ask some questions to ourselves and figure out.
Are you the one,
clipping coupons for every grocery item you can find in any grocery store ad?
The list just goes on and on. I don't see anything wrong in saving money in whatever way possible. I agree with phrase, "A Dollar saved is Two earned"(Check out mymoney blog for the proof). But, only these activities won't make one a Money Smart person. It is just one part of the Pie. There are few other important portions of the Pie which is as important as Spending.
What is Money Smart?
Let me dwell into it more deeply and share my perspective on each of them.
Spend wisely - We all got to spend money to live our life. We need a place to live, food to eat, clothes to dress decently, go places, do charity and list adds up as our need grows. It upto to us to sort out and prioritize which need is more essential and channel our spending to the right important ones. For example, if you really need a car to commute, instead of taking a cruise or vacation you better spend that money to buy a decent car. Spending for the right need at right the time with right price is totally wise thing to do.
How can you become Money smart?
Getting Money smart is not just about following some tricks and tips. It is about changing your thought process and taking necessary actions which will eventually make a difference in your life style. In order for that happen, you need to start out slowly and make the change. Fast is in't always good, Slow and steady sustains longer helping you to win your financial goals.
1. Change your attitude slowly towards Money and start thinking towards Making extra, Spending wisely, Saving graciously and Managing Righthly.
2. Try to check out things on the arena of good money managment tips and techniques from various resources like internet, expert advice and more.
3. Reguarly read books and magazines on smart money strategies, savings ideas and get updated on new financial changes. I have recommended few books which I think are real good to start out.
4. Attend free seminar or workshops arranged by resources like libraries, banks and financial institutions. Filter the marketing information, only take what you really need.
5. Implement the ideas and strategies in you real life slowly by changing your current habits and taking actions.
6. Start teaching your kids once they are at age about money and cultivate the habit of saving.
Happy reading on getting Money Smart!!!
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Money Really Matters - A bite of True facts
Like this quote,
"Money is the opposite of the weather. Nobody talks about it, but everybody does something about it." We deal with money day in and day out but we only talk very less about it. If you look very closely, Money has taken different avatars in different parts of the world. It’s a dollar for ordinary American, YEN for Japenese and a Rupee for a normal Indian. Its stock for trader, Gold for hardcore investor, home for a realtor and lot more avatars. But each one of them has only one sole underlying factor which is to "satisfy our needs". Thats all about it.
The need for each and every person might vary according to their surroundings but the purpose and perspective towards money doesn't change. So how one make use of that most commonly wanted MONEY is within each one and the Money itself can’t do anything about it. Don't you think its a true fact. Just think about it for a second.
Lot of us percieve with a wrong imagination like, if we earn more all our problems should take care of itself and will get solved. Actually I think all the problem just starts there. It is not always about how much you earn, it is about how well you can manage and work with what you make.
Knowledge is Power, we all know that very well. So if we have proper knowledge to efficiently manage our money, we can be the Kingmakers of our own hard earned money. We don’t have to be Warran Buffet(who hailed as the nucleus of Omaha shaking up the stock market) or Donald trump (successful entrepreneur) to be one. If we manage our own money properly, we are Kingmaker on it's own version.
Money shouldn't rule us. We should rule the Money and should put to work for us. As Robert Kiyosaki quoted, "Make your money work for you and not the other way around". Let me give you a simple example. We eat food every day because our body needs it. We have to eat at least 3-4 times a day to get proper calories for our body to keep moving. Eventually, eating has become a habit for us. We are trained to eat 3-4 times(I know some people eat all the time!!) when we are baby and we continue to do it all our life.
What happens, if you didn't take a night dinner, can you sleep well that night? Your physical state is going to be messed up and many of us can't sleep except few who can fast for days. But if you train your body to fast every night, it will eventually manage to coup with it. Similarly, anything needs to praticized to make it accustomed to you, that goes to money as well. If you don’t plan well and don't manage it properly, it is going to haunt your mental state and keep you restless for life.
Money is an enabler of our dreams. It helps you go where you want go in life. In many people case, first one third of the life goes towards earning education and knowledge needed to find money. Next one third of life goes towards finding/making the money you longed for and last one third of life should go towards using the money to its last. Most of us don't have control over the first one third because we depend our parents but the rest two third it is all upto us to make or break the life.
So money is part and parcel of your life. We all need money to survive one day or other. It does really matter for all of us. I strongly believe, it is all about how much you make, how you manage and make that hard earned money work for you to secure a better future. Lot of us forget to delve into this basic thought.
Happy Money talk!!
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