Search Results: insurance

It’s already tax payer money that pays these cops salaries ( might I add that a RIDICULOUS amount gets taken away from us). But the fact that cops lie in wait just to catch someone who is going 10 miles over the limit or to catch someone doing a rolling stop while there’s no other cars in sight is absolutely disgusting. These are not safety measures. They are milking people for money measures. It isn’t just the court that you have to pay, traffic citations will also inevitably come with higher car insurance rates. The whole thing is just one massive scam. I think this is an area of our society that needs some massive overhaul.

** Not a financial advice question **

Ever since I was working age from about 18 in my country, i've always been grateful for the insurance in my superannuation. I don't think it's equivalent to the American or other countries 401(K) or retirement funds earnt from working etc etc : unrelated to the pension.

I'm always grateful that regardless if I'm employed or unemployed, as long as I've got funds in my super, it basically stores for the winter for me, life insurance coverage and disabled insurances coverage. It's something an anxiety prone me is always grateful for, after all, life's unpredictable and dangerous, and as someone with dependents or relatives, it's a peace of mind to me for me. Again not an advice to get such coverage.

Do you have life insurance? Why or why not? How long now? Through employment or retirement fund or? I think I've been insured for over 10 years now.

Insurers have increased rates significantly for next year — an average of about 30 percent for a typical plan in the 30 states where the federal government manages markets, and an average of 17 percent in states that run their own markets, according to a new analysis from KFF, the health research group.

If the funding expires, costs will go up for more than 20 million Americans who currently buy their own insurance in the marketplaces established under the Affordable Care Act.

Since Congress first passed the extra subsidies in 2021, enrollment in the markets has doubled. Growth has been especially robust in the South, with sign-ups more than tripling in the Republican-controlled states of Texas, Louisiana, Mississippi, Tennessee, Georgia and West Virginia.

Should ONLY buyers pay? Sellers? Split? At what ratio? Should brokers ONLY get a percentage or are flat fees (either as a standalone cost or ON TOP of the percentage cut? Are they even NEEDED?

Real estate

Commercial sellers / property managers: Brokers specialize in arranging transactions for offices, retail spaces, and industrial buildings.

Finance & securities

These professionals charge higher fees, often a percentage of assets under management, in exchange for a wide range of services.

Insurance.

Commissions: Brokers typically earn a commission paid by the insurance company as a percentage of the policy's premium. They may also earn a smaller "renewal commission" when the policy is renewed.

Broker fees: In addition to or in place of a commission, a broker may charge a fee directly to the client for their advisory or administrative services

Business and mergers and acquisitions

Brokers commonly charge a commission of 10% to 12% on smaller deals, with the percentage decreasing on larger transactions.

Retainers: For larger M&A deals, advisors often charge an upfront retainer fee in addition to a success fee paid at closing.

Mortgages.

Lender-paid compensation: In most cases, the lender pays the broker a commission, which may result in the borrower paying a slightly higher interest rate. Some pay borrower directly, typically 1% to 2% of the total loan amount, usually paid at closing.

Shipping and logistics.

Commission: A freight broker's compensation is typically a percentage of the difference between what the shipper pays and what the carrier charges or flat fee. This can range from 10% to 25% depending on the load.

Customs.

Transaction fees: For each entry or declaration, customs brokers charge a service fee, which can be a flat rate or based on a percentage of the goods' value.

Luxury goods

Art brokers: Facilitate the buying and selling of art and charge a commission or fee based on the transaction.

I am 31 years old, a newlywed, and I am partially a NEET.

NEET = Not in Education, Employment, or Training

When I mean "partially", I have been picking up occasional small, project-based gigs. Although, I am not employed and have been unable to hold down stable work my entire life. I am currently on disability benefits (SSDI) and I am on a fixed, restricted income. I am hesistant to try working again because the government has attempted to remove my disability benefits and Medicare (gov health insurance) due to trying to reenter the workforce and failing. I have held 25 jobs since age 15 and have been fired half of them (others close to being fired/quitting to avoid termination). I must protect my one and only health insurance by all means, because it can potentially be a public safety risk without it. I need adequate mental health care.

My most recent full time job I was fired from in July 2024. I only lasted 9 months. I have also had to leave career pursuits twice now. First, I was an EMT and had my license essentially revoked. Then, I transitioned into tech as a software engineer and the tech job market was essentially destroyed. Now, I am in a slump as to what I would want to pursue next, if I am even capable of holding down work.