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Whether or not to take out rental insurance, when you are renting a car, has been a major decision among all renters. It is important, when you rent a car, that you understand these companies want to sell you insurance because it is a way for them to make more money. On top of that, rental companies encourage you to take out their insurance because it protects their car, and that is all that matters to them.

Here are some of the most asked questions about rental insurance, and the answer are most likely going to surprise many of you.

AM I COVERED UNDER MY OWN CAR INSURANCE, EVEN IF DRIVING A RENTAL CAR? This is a big YES! Almost all car insurance companies will cover you, even when you are driving a rental car. I would, however, suggest that you contact your insurance company prior to getting your rental just to be 100% sure.

IF I RENT A CAR WITH MY CREDIT CARD, WILL THAT COVER ME FOR DAMAGES THAT MAY OCCUR? YES and NO….Most of the major credit card companies, such as Visa, MasterCard or Discover, offer you additional insurance protection when you use the card to rent a vehicle. Because this may not apply for all credit cards companies you should check with your credit company prior to renting your car. This will give you a piece of mind when turning down the rental insurance for the rental car company.

IF I FIND OUT THAT I AM COVERED UNDER MY OWN CAR INSURANCE AND MY CREDIT CARD COMPANY SHOULD I STILL TAKE OUT THE CAR RENTAL INSURANCE? NO, NO, NO….Although many companies will tell you that you are not covered under any insurance but theirs, this is absolutely not true. The truth is, the insurance coverage that is offered from a rental car company will provide you will no covers that you are not already be offered through your insurance and credit card companies.

It is important to determine whether or not you need to purchase this coverage before you show up to rent your next vehicle. Understanding that you are covered in other ways will make you feel more secure when refusing the rental agencies insurance coverage.

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Experienced mutual fund salesmen concentrate their sales pitch on doctors, dentists, pilots, other professionals and other self-employed. These are the traditional soft touches for a stock investment. (For what ever reason, Doctors always seem to get into the worst business deals and I might add - pilots as well.). Years ago one of the most appealing angles of the professional-directed mutual fund story was the extra advantage of getting into one of the group insurance policies the funds offer.

This was especially intriguing to the individual who has thus far failed to benefit from this excellent form of cheap insurance. What you must watch out for, however, is this: Not all “group insurance” is alike. Always insist on a sample policy. Read it and see what you’re getting. Always become educated on any investment.

Never let the dollar value of your insurance gain oversell you on a mutual fund that may not be going anywhere. Make sure you’re buying into a good long-term investment. Some funds may not be any safer than individual stocks. What’s more, your input may not be readily available to you in emergency for some time to come, inasmuch as most of the mutual-fund “plans” take the salesman’s commission out of your payments in the beginning - like a life insurance agent’s commission.

As in all “plans” and “packages” it’s up to you, the buyer, to total up the worth of the individual components and decide whether you want to buy in that fashion. This is not to imply that mutual funds are not a good buy. I like mutual funds but not in an insurance policy and have a good basic rule. If a mutual fund is not old enough to be potty trained I do not waste my time looking at it. I look for mutual funds with a 10-15 years performance at a minimum.

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Some have very fine potential. But they are by no means all alike. If you are going to put several thousand dollars into one over a period of time, give that big investment your utmost attention add care. Don’t be misled by the insignificance of the “down payment.

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Due to rising prices, many individuals are hurting for money. When credit cards get maxed and there seems no way out of debt, quick remedies, such as payday loans are sought. People may feel less burdened when they receive loans, however many times they are just digging a deeper hole for themselves.

Pros - These loans have an advantage relating to their processing time. Any individual, who is at least 18 years old, has a checking account, and a steady job is eligible upon approval from the lending institution. A loan of this type can be obtained very quickly, and this transaction can occur online, . Which is very convenient for the individual desiring the loan. These lending companies have very little or no requirements this type of loan.

Drawbacks - They do have a number of drawbacks, especially those pertaining to the interest rate that they offer. These elevated rates are made to initiate more funds to the lenders, at the expense of the borrowing individuals.

Borrowers’ may experience more financial complications and/ or debt when these companies attempt to collect. These processes may include harassing tactics, as well as attempts to withdraw funds from accounts that insufficiently have no money to cover these transactions. This can cause overdraft fees from both the banks and the lending companies. Other complications of loans stem from those who fraudulently deceive borrowers, thus gaining all personal information that can be used to process unapproved transactions.

Since the laws and/ or regulations vary from state to state, so do the practices of these lending businesses. Many ‘fast cash’ lending organizations, although not ethical, stay just within the legal boundaries stipulated, when loaning monies to individuals who are in desperate need of these funds. These companies are being monitored more and more, however this gets more difficult as time goes on, especially with those online lenders.

Whether or not, these companies get caught for their illegal behavior, depends much upon the borrowers involved, as to the number of complaints received from the attorney general’s office in the states whose residents are affected.

This is much more difficult to accomplish with online lending companies, however it can be done. A lot of these stipulations are related to the number of complaints that the state attorney general receives from the borrowers, pertaining to the wrongdoing of these companies. Without complaints, there are little or no records that can back up any type of fraudulent actions or harassing behavior.

For short term relief, these payday loans are wonderful, but for long term satisfaction they can be disastrous. This is the reasons why individuals must be careful and cautious, before entering into any types of agreements with these quick cash lenders.

There are many advantages and indeed disadvantages of payday loans. They are a valuble source of income for many people who need to borrow money quickly and therefore can be helpful for some people. If you need to borrow money try to make sure that the money is able to be paid off when you are next in receipt of your salary.