Demystifying Personal Insurance; Personal and public liability insurance – Is it possible to get a combined policy?

I teach a continuing education class called Demystifying Personal Insurance every semester at various local high schools . Tonight at I was at Niskayuna High School for you local peeps. I love teaching this class because I get to discuss insurance with consumers in a format where I’m not selling anything.
Video Rating: 5 / 5

Question by Antony G: Personal and public liability insurance – Is it possible to get a combined policy?
I’m about to set up a small sole trader business in the UK making furniture and I am going to be moving into a small industrial unit which I will be renting. I have been advised by the people who are renting out the unit that I need to get personal and public liability insurance. I have done a few searches on the internet but I can’t see any companies that have a combined policy. In other words it seems I have to get two seperate insurance policies for personal and public insurance. Is this right? Or is it the case that public liability also includes personal liability.

Best answer:

Answer by shelcom
Shouldn’t be a problem…call an insurance agent.

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What is Mortgage Debt to Income Ratio; How can I find out about a personal loan. I have bad bad credit and need a debt considation loan to clean up?

What is Mortgage Debt to Income Ratio? In this episode of “It’s Not Rocket Science,” Don Carriker, the man behind IWantAGreatHomeLoan.com, will share with you what DTI or Debt to Income Ratio is and how you can figure yours out on your own. Many people are intimidated by these terms when looking for a mortgage, but Don breaks it down in plain English for you to easily understand. You no longer have to feel lost when your mortgage consultant says your DTI is to high. Know the facts and be prepared the next time you are looking for a home loan.
Video Rating: 4 / 5

Question by bbbaseball05@sbcglobal.net: How can I find out about a personal loan. I have bad bad credit and need a debt considation loan to clean up?
I have had Non Hodkins Lymphoma I now am in Remission and Need a large loan to clear up debt and purchase a Equnox GMC suv this would be to get back on my feet

Best answer:

Answer by mr_crankypants
Maybe you should get a used car. Anyway, you shoudl check with a credit union. They are non-profit so they have better rates. If the credit union does not give you a loan…..listen to this…..if they don’t give you the loan you cannot afford a loan and should not get one…….

If they turn you down you should borrow from family if you possibly can. There are lawyers who will help you set up a family loan for a fixed fee that protects the family member that is loaning you the money, but be preapred, if you don’t pay it back they will have all legal means at their disposal to come after you.

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