If you’ve approached a lender for a mortgage, you may have been told you need mortgage insurance if you aren’t making a 20% down payment. What is mortgage insurance and is it mandatory? Here’s what you need to know. What Is Mortgage Insurance? Mortgage insurance is a type of insurance cover that financially protects the lender if the home loan borrower defaults on their…

According to the most recent report by the Centers for Disease Control and Prevention, there are nearly 15,500 nursing homes in the U.S. Cumulatively, these facilities provided nearly 1.7 million licensed beds to our nation’s seniors and others who require medical care outside the home; servicing almost 1.4 million residents in total.  As per the U.S. Department of Health and Human Services…

There are two distinct kinds of smartphone users. The first group is easily overwhelmed and may take time to get acquainted with their phones features and settings. The second group is the opposite. They’re itching to dive right into their new phones, downloading apps and games and installing their social media. Wherever you fall on the spectrum, these are five tips that you should do as soon as…