like many others, I was just hit with a huge increase - more than double - for Healthy Paws. we do have pretty significant monthly spend (thank youuu environmental allergies), so I wasn't likely to cancel completely, but I decided to run all the options for 90%, 80%, and 70% coverage through chat gpt, including my set monthly vet expenses. it gave me a detailed explanation for why insurance is still a good idea for me, and which option specifically would save me the most money. for my scenario, it ended up being 80% at $1000 deductible. just a suggestion in case youre not sure what your next step should be.

When I turned 18, my dad made my start a Roth IRA with Ameriprise because I had an unexpected source of income coming in that he wanted me to put away. Well, since then I have continued to put money into that account and I talk to my FA semi-regularly. Well, I am now 22M and going to be making some real money soon and after some research, I see a lot of people saying to avoid FA for a Roth, especially Ameriprise. I am glad my dad had me do this when I was 18 but now I am wondering if I should move my Roth to something else. For full disclosure, I have put in $19,000 total, and it has grown about $4,000 in that last 4 years or so. However, I do not really know where to begin. Should I move my Roth away from Ameriprise? How would I move my Roth? Where do I move my Roth? I have seen mentions of Vanguard, Fidelity, Schwab and others. How would I choose one? Don't services like these also charge some sort of fee? Thank you so much for the help.

Got a quote from GEICO like around a week ago for 299 and month for full coverage, it’s the cheapest one I found compared to other insurance companies charging me 2x that at 18 I called GEICO and ran through the quote with him for a 2022 Hyundai Elantra limited he said it will be 304. That car ended up getting sold I found a new car I wanted clean title not a rental 7k miles 2024 Hyundai Elantra sel I got quoted $299 for it last week. Now I did another quote for the same car it’s all the same info I had last week and now it’s at $540 a month. I called and the GEICO guy said “rates can go up” and I highly doubt they go up $250 in a week. He did say my $299 quote sounded unrealistic and they whouldnt quote that when I literally have the saved quote on my GEICO app. I’m just wondering is this normal? And I can still buy the $299 a month quote right now since I did save it but I am scared they will raise my insurance prices to 550 a month after the 6 months. I do have screen shots of both quotes but just can’t add them. Should I buy the $300 a month quote since it’s the cheapest I found or will GEICO raise my rates after 6 months.

After all these years, it still grinds my gears. A truck carrying drilling waste accidentally went into the wrong farmer's field, and sprayed a tiny bit of it on the alfalfa field, before the driver realized his mistake. I was called in to analyze the soil test data and write a report and recommendations. The tests showed salinity deep in the soil profile, that couldn't have possibly come from the drilling waste, and I said so in my report. I was called to a meeting with the insurance adjuster and had to endure a thorough dressing down for it (by a British accent no less) and made to look the fool in front of my peers. The insurance company was far more inclined to spend dozens of millions to excavate all the soil and have it replaced instead. That was my first inkling that insurance companies don't really want to avoid big payouts; they use them to justify raising their premiums.

Are there any stated income HELOCs out there? I dragged my feet on UMPQUA which auto approved up to 100k, but when I finally got around to applying, they changed their DTI from 50 to 40% and their estimated DTI for me came 38-43% so it triggered stips. I don't need a HELOC, but would like to open one just in case. Figure is popular, but requires you to draw the full applied amount for, and they charge you 5% off that (big no thanks). I have about $200k in room for 85% CLTV, but I'm ok with max limits of $100k for auto approvals. Anything full doc is not worth my time, so I don't want to go down those avenues, and I don't want anything that requires a draw at open that you get a fat charge on. Thanks!

I've paid $3332 in premiums for my dog's insurance policy. Now, the first time I try to file a claim for a dental extraction, it is not approved because she had a pre-existing condition of "mild gingivitis" three years before our policy began. [They boast all over their website that they have the most extensive coverage for dental compared to other pet insurances](https://www.fetchpet.com/the-dig/does-pet-insurance-cover-dental-care), but they do not. My dog's gingivitis was so mild at that time the vet said it was not a concern, but apparently that is considered a pre-existing condition. Just want to warn other pet owners out there.

I got the preventive care option which meant I had a 0 day waiting period for accidents and preventive care. My dog got his teeth cleaning and, preventive anesthetic bloodworksoon after. I submitted the claim but the denied it, saying it was an illness. He never had an illness for it bwfore and didnt have any symptoms for the bloodwork. Can I appeal? Please help it was $1500

I have a 2012 Prius V that was totaled in an accident. It has 40k miles on it (I got it from an eldery couple who almost never drove it). The insurance company came back with 3 comparison vehicles, all were same year/make but all have 90-100k miles. They are saying that the "adjustment" of value for the mileage difference is only $1500... Does that seem right?

We got pets best insurance a few years ago and this year our 9 year old dog was diagnosed with lymphoma. After a few months of receiving expected claims, they suddenly started denying everything, forcing us to appeal every time. After appeals, they usually end up paying, but it’s incredibly annoying. But this month, our policy renewal came and they DOUBLED our premium!! DOUBLED, in the first and only year where we actually made claims…. How is this legal? They say it’s across all their plans, but I don’t believe it for a second. Anyone have this happen?

I was in an accident that wasn't my fault (other party received a summons), I called my insurer (state farm) to report it and begin the repair process. I was told by SF rep that I shouldn't have called them. I should have gone directly to the other party's insurance so I wouldn't have a claim on my record. I'd always thought my insurance company just worked it out with the other company. Am I wrong?