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Amelia Josephson

Mortgage, Home Buying and Credit Card Expert

Amelia Josephson is a writer passionate about covering financial literacy topics. Her areas of expertise include retirement and home buying. Amelia's work has appeared across the web, including on AOL, CBS News and The Simple Dollar. She holds degrees from Columbia and Oxford. Originally from Alaska, Amelia now calls Brooklyn home.

Posts by Amelia Josephson:

by Amelia Josephson Feb 28, 2017

In recognition of the special risks and contributions involved with military service, the Veterans Administration (VA) offers veterans’ life insurance at reasonable rates. According to the Administration’s own figures, the VA has paid out over 100 billion dollars in life insurance claims since the program began in 1914. Not bad! Read more

by Amelia Josephson Jul 05, 2018

Having group life insurance, or life insurance through your employer, certainly has its benefits. It’s easily accessible and often cheap or free. However, sometimes your group insurance isn’t enough for you. Supplemental life insurance helps you top up the insurance you get through your employer. That’s when you will want to consider supplemental life insurance. Read more

by Amelia Josephson Jun 22, 2017

Critical illness insurance does what the name suggests. It provides a payout in the event that a policyholder falls seriously ill or experiences a medical emergency such as a heart attack or stroke. That payout can be used to cover medical bills, or to pay living expenses while the policyholder receives treatment for the illness. Even if you have health insurance that covers your medical bills, you can still use critical illness insurance to cover all your other bills.  Read more

by Amelia Josephson Jun 28, 2017

A recent Supreme Court ruling clarified the process borrowers must follow to back out of a refinance. Ruling on what’s known as “mortgage rescission,” the court said a simple letter from the borrower… Read more

by Amelia Josephson Aug 08, 2017

Married? In need of life insurance? You might want to consider joint life insurance. With a joint life insurance policy, you’ll pay a single premium while getting coverage for two people. In most… Read more

by Amelia Josephson Jul 16, 2018

Is retirement on your mind? If so, you may be wondering where to settle in your golden years. This choice can have a big impact on your happiness. Whether you’re living in a big city now or… Read more

by Amelia Josephson Jun 20, 2017

Think all life insurance applications involve comprehensive medical exams? They don’t. If you’re worried that your health or lifestyle could bar you from life insurance coverage, read on to learn… Read more

by Amelia Josephson Jul 09, 2018

Saving for college tuition is no easy feat. Save too little and you saddle your child with loans. Save too much and you might not get as much financial aid as you need. Unless you’re planning to pay… Read more

by Amelia Josephson Feb 27, 2018

When it comes time to file your taxes, you’ll need to comply with the Affordable Care Act. At the most basic level, that means indicating on your tax forms that you had health insurance in 2016. From… Read more

by Amelia Josephson May 18, 2018

When you purchase a life insurance policy, you choose one or more beneficiaries who will get the policy pay-out when you die. If you designate someone as the “irrevocable beneficiary” of your policy,… Read more

by Amelia Josephson May 21, 2018

Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. Final expense insurance is also… Read more

by Amelia Josephson Mar 01, 2018

You don’t have to be a die-hard hippie to see the sense in adding renewable energy to your home. What stops homeowners from installing these money-saving features is often the up-front cost, but an… Read more

by Amelia Josephson Jul 05, 2017

The world is gearing up for the biggest wealth transfer ever. Over the next few decades, trillions of dollars will pass from the older generation to the younger. This helps your loved ones better… Read more

by Amelia Josephson Jun 11, 2018

Moving on from your job? You’ve probably heard that you can roll over your 401(k). But did you know you can hold on to your employer-sponsored life insurance plan as well? While this approach sounds… Read more

by Amelia Josephson Jan 20, 2017

When we think about foreclosure, we tend to think about families falling behind on their mortgage payments. But falling behind on property taxes can also lead to lost homes. We’ve got the top 4 facts… Read more

by Amelia Josephson Feb 06, 2015

We talk a lot about budgets, but what happens when your income and expenses aren’t consistent? That unpredictability makes budgeting trickier. An easy way around this problem? Monitoring your cash… Read more

by Amelia Josephson Feb 28, 2018

If you read our piece on the top 5 reasons to have disability insurance, you’re probably wondering what to do next. What are the factors to consider when shopping for disability insurance? Let us… Read more

by Amelia Josephson Oct 01, 2022

There are many ways to save on your electricity bills. For starters, you can turn off the lights when you leave a room. But did you know that you can also make money from the electric company? This… Read more

by Amelia Josephson Feb 05, 2015

Human nature being what it is, we tend to underestimate the chances that misfortune will come our way. Our internal monologue goes a little something like this: Who me? Die? Never! I don’t need life… Read more

by Amelia Josephson Feb 14, 2020

Have you heard the term “non-employment”? Wondering how it’s different from unemployment? We’ve got you covered. Read more

by Amelia Josephson May 27, 2015

Maybe your 401(k) is invested in a target date fund, or you’re considering a target date fund for your IRA. You should know about the growing debate around an important question: How well do these… Read more

by Amelia Josephson Jan 09, 2015

According to the Self Storage Association, a trade organization for the self storage industry, total rentable self storage space in the US hit 2.3 billion square feet as of the end of 2013. That’s… Read more

by Amelia Josephson Apr 20, 2015

Feeling a little overspent? Why not try a spending diet? It could be just what you need to get your financial house in order. Read more

by Amelia Josephson Jul 05, 2018

There’s a trend in personal finance that has nothing to do with banks and everything to do with friends helping friends – or even strangers. Have we piqued your curiosity? We’ll tell you what it’s… Read more

by Amelia Josephson Sep 19, 2019

We all know that a safe approach to personal finance falls somewhere between the two extremes of betting your paycheck on a card game and putting all your money under the mattress. Exactly where you… Read more