Cornerstone insurance refers to the foundational types of insurance coverage that provide financial protection against significant risks in life. These policies form the basis of a solid insurance program by covering major exposures like death, illness, injury, and property damage. The key cornerstone insurance policies that most people need include: Homeowners or renters insurance – Protects … Read more
A DSCR (debt service coverage ratio) loan is a type of commercial real estate loan that looks at the property’s net operating income to determine eligibility rather than the borrower’s income or credit score. DSCR loan requirements are offered by banks, credit unions, mortgage lenders and private lenders to real estate investors and commercial property … Read more
Comparion insurance agencies have become an increasingly popular way for consumers to shop for insurance in recent years. These agencies provide a platform for customers to compare quotes from multiple insurance providers side-by-side to find the best rate. The main role of comparison sites is to simplify the insurance shopping process. They allow consumers to … Read more
Evergreen loans are a type of loan product that does not have a fixed repayment schedule. With a traditional loan, borrowers make regular installment payments on a set schedule until the loan is fully repaid. Evergreen loans work differently – they allow borrowers to pay interest only in perpetuity, with no obligation to pay down … Read more
Nurse educators play a critical role in preparing the next generation of nurses and ensuring high-quality patient care. As advanced practice nurses with graduate degrees, nurse educators teach future nurses at colleges, universities, and healthcare facilities. They instruct students in classrooms, simulations labs, and clinical settings. Beyond teaching, nurse educators also develop curricula, evaluate students, … Read more
Glacier insurance is a type of specialty insurance that provides financial protection against the impacts of glacier retreat and melting. As climate change accelerates glacial melting globally, glacier insurance has emerged as an innovative risk management tool for governments, businesses, and communities dependent on glacier-fed water resources. Glacier insurance helps policyholders mitigate losses from changing … Read more
A construction loan is a short-term loan used to finance the building or renovations of a home or other real estate property. It provides funds to construct a new building or remodel, expand, or improve an existing building. Construction loans work differently than traditional mortgages. With a typical mortgage, the borrower receives the full loan … Read more
Dairyland is a regional insurance company that has been providing auto insurance for over 90 years. Originally founded in Wisconsin in 1926, Dairyland has grown to serve customers in over a dozen Midwestern and Southern states. Dairyland offers a range of standard auto insurance products including liability, collision, comprehensive, uninsured motorist, and medical payments coverage. … Read more
Student loan debt has emerged as a major financial crisis in the United States over the past couple decades. Total student debt now exceeds $1.7 trillion, making it the second highest consumer debt category behind only mortgages. This debt burden is weighing down millions of Americans and preventing them from buying homes, starting families, changing … Read more
Education Galaxy is a digital learning platform designed for K-12 students. Founded in 2014 and based in Virginia, Education Galaxy provides curriculum-aligned lessons, practice, assessments, and more across a wide range of subjects. The platform aims to support personalized learning and mastery-based progression through an engaging, game-like environment. With Education Galaxy, students have access to … Read more
