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Myrtle Said:

If I seek help from my GP about depression, how will it affect my credit rating?

We Answered:

Hi


If it is depression it would be recorded as depression, it will not affect anything to do with credit and checks as it means breaking the data protection act.

Also you can ask your GP to do the appointment on the clinical IT system as personal and so if people do have access to the it will not been seen on the system only as confidentiality and will not be accessed.

I know people who have been in the Priory for worst believe me who have passed the credit check .

Get help and get yourself back on track, its the least of your worries.

Good luck take care

Joyce Said:

Which life insurance would suit my life?

We Answered:

I'll put it very simply!

I would suggest a $50-100K whole life policy while you're still young and healthy and it's affordable!
One that is paid up after 15 or 20 years is preferrable so you're not making life insurance payments forever! (You pay the payments for 15 years or so - then it's paid OFF & you don't have to make any more payments on it....)
This will work for funeral expenses & will leave the wife & kids a bit extra to take some time off of work and mourn...

And term policies to cover your home mortgage and your other loans - if that's affordable...
To have a house already - you're probably in a financial place to be able to afford all of this insurance now!! So do it NOW!

***MBRCATZ*** Are you serious??? Because he's young & healthy & now is the time to get it in force! The older he gets - the more it will cost! And what if he wakes up tomorrow & finds he has MS and is UNinsurable!
I cannot believe an insurance agent doesn't think he needs life insurance!!

Lawrence Said:

Life Insurance .... Need help deciding how to destribute?

We Answered:

It doesn't matter. Those amounts of money are so small, they aren't going to significantly affect any of those lives.

I'm wondering why you chose that amount, what the GOAL is.

First, you should set the goal, THEN you pick the coverage limit that meets the goals, THEN you select the product that meets those goals at the most affordable price.

Randall Said:

Being refused a job for bad credit is it illegal?

We Answered:

I do feel sorry for you, I can't help it. Did you enlist because you couldn't find a job or are you in there for other reasons? And I wish I could help that 55 year woman, no one should find themselves in that situation. Many are like these two, because our economic system exploits them all, for the benefit of a select few like the Obama's. When are the corrupt bastards going to stop and let others have a chance at life?

Harold Said:

Could you explain about life insurance, I am a bit clueless?

We Answered:

contact any insurance company and they would be happy to answer. I will leave for you my suggestion. Its a DIMES worth of insurance
D Death enough to cover funeral expenses usually 10-15,000
I Income replacement Your income times 3-10 years You decide
M Mortgage (Enough to cover Mortgage) I usually don't recommend paying it off
E Expenses other debts, car loans credit cards student loans
S Savings 3-6 months of savings, Money to mourn or don't have to worry about work right away.

Add them up and subtract what you have in place
Insurance rates are banded so you find discounted rates as cross over 100,000- 250,000- 500,000- 750,000.
So choose appropriately.
If you are young I would take out a 30 year term. Also but money into another retirement vehicle so if you out life the policy you have final expense money available. If you purchase through work you generally end up with Group term that changes rates annually. I hope this helps.