Purchasing all the gifts listed in “The Twelve Days of Christmas” will set you back $34,363 this year, up from $233 in 2015, according to the 33rd annual PNC Wealth Management Christmas Price Index. Of course, maybe a recipient would prefer a high-end guitar to geese-a-laying, or a diamond engagement ring to five gold rings.

An independent insurance agent is an individual that does not work for one particular insurance company. Instead, they sell insurance policies from several companies. Working with this type of insurance agent instead of an agent that is affiliated with a particular brand can be helpful. Here are some of the advantages of working with this

The purpose of insurance is to protect the owner of the policy from financial losses in the event that something happens to the property being insured. Because what makes a financial difference for person or company is not the same as it is for another, there is a long list of unusual things which have