CA folks — need some insurance wisdom. New home in contract → current home becomes secondary. 2 autos + want an umbrella policy. Been with GEICO forever but they keep hiking rates. What’s the smartest way to shop & compare bundled quotes for all of this in California’s nightmare insurance market? Any go-to brokers or tools you recommend?

Anybody had any experience with red.co.uk life insurance? Seem relatively new, offer a voucher and kids plush toy for taking out a policy but there’s next to nothing about them online. Bottom of the page states red family finance is a broker, they contact on WhatsApp after filling in a webform, seems like trying to pressure you before the ‘offer ends’ or the voucher ‘expires’

I bought a brand new 2025 Kia K5 a few weeks ago. I financed it through Kia Finance. I temporarily unfroze my credit to do so. It has been a few weeks now, and I have received two letters (one from Wells Fargo, the other I forget) stating that my request for a loan was denied because my credit is frozen. I think Kia Finance is trying to sell my loan and they cannot. What should I do? Is this going to cause a problem?

So am I overpaying? Any recommendations on where to go? Nationwide increased my bill by a lot. Healthy dog.

Hi everyone! We went with Pets Best for our kittens’ insurance, which starts for illness coverage on 8/21/25. Pre-anesthetic bloodwork was done last week in preparation for one of our kittens’ neuter scheduled on the 18th. The results came back a bit all over the place, which the vet wasn’t concerned by as he said it could be due to him being so young. However, the vet mentioned his T4 is elevated, which could suggest juvenile hyperthyroidism. We’ll need to retest in six months to see if it normalizes. My question is: since this was found before the waiting period for illness coverage ended, and there are no symptoms, no official diagnosis, and no specific treatment or medical advice given yet, do you think Pets Best will consider this a pre-existing condition? A bit stressed that if it does come back as high in 6 months, something that seems like it may be a very expensive lifelong condition is going to be automatically excluded due to an incidental finding 😅

I just started a new job and received the Empower 401k fund options below. All of these funds appear to have high expense ratios (most around 1%) and overall don’t seem to be that great. I’m considering rolling over my old 401k to this new plan or an IRA. My old plan is valued at approximately $500k invested in passive total market index funds. I’m 40 married no kids. While I won’t be able to do the backdoor Roth IRA if I rollover my old plan to an IRA, I feel like the funds available at fidelity are superior to these. I’m just looking for another opinion on this before I make any decision. Thank you! American Century One Choice In Ret ARTAX - 1.01% American Century One Choice 2025 ARWAX - 1.03% American Century One Choice 2030 ARCMX American Century One Choice 2035 ARYAX American Century One Choice 2040 ARDMX American Century One Choice 2045 AROAX American Century One Choice 2050 ARFMX American Century One Choice 2055 AREMX - 1.14% Virtus NFJ International Value AFJAX - 1.3% American Funds EuroPacific Gr R3 RERCX - 1.12% Invesco Balanced-Risk Alle R5 ABRIX - 1.08% Invesco Developing Markets Y ODVYX MassMutual Global Svc. MGFYX - 1.13% Invesco Real Estate Y IARYX - 1% MFS Utilities R3 MMUHX - 1.02% PIMCO Commodity Real Ret Strat PCRAX2 - 1.45% Columbia Small Cap Index NMSAX - .45% Franklin Small Cap Value Fund FRVLX - .97% Invesco Discovery ODIYX - .79% MassMutual Mid Cap Growth Service.. MEFYX - .86% Virtus Ceredex Mid-Cap Value Equity I SMVTX - 1.02% BlackRock Equity Dividend MSDVX - .97% MassMutual Blue Chip Growth Service.MBCYX - .85% MM S&P 500 Index Adm MIEYX - .49% Loomis Sayles Strategic Income Fund Y NEZYX - .67% MFS Government Securities R3 MFGHX - .76% Invesco International Bond OIBYX - 79% Infl-Prot and Inc (MassMutual) MIPYX - .69% Capital Preservation Account CGPJQ0

My insurance denied two claims. I appealed it and they denied my appeal. I received a letter letting me know I can request an external appeal through my employer. I submitted a letter, signed doctor's letter of medical necessity, signed medical records release form and a few clinical studies showing effectiveness of treatment. I received a letter in the mail today from Network Medical Review Co. The letter states: NMR has received a request for external review and has been notified from the plan that the request is eligible. NMR has accepted the request for external review. You, the claimant, may submit in writing to NMR, within 10 business days following the date of receipt of this notice, any additional information that you wish NMR to consider in reviewing your claim. NMR will review all of the information and documents timely received, and will provide written notice within 45 days after NMR receives the request for the external review. I'm not sure if my employer would send everything that was sent to them or if I have to send everything all over again. I sent them the original doctors letter of medical necessity so all I have is a copy.

My pet insure Nationwide discontinued our pet policy. My dog a 4 year old Labrador has preexisting allergies. Trying to find the best pet insurance. Any ideas? Our vet does not use Pet Assure. Update: Nationwide reinstated my policy but only at 50%. I will take it since my dog has allergies.

We’ve had Haalthy Paws since my two dogs were puppies. One is now 11 and one is 7 or 8. I just got this email that our monthly premium is increasing to $650 a month!!!! We can’t switch — they have preexisting conditions. This feels predatory. Is this legal? Has anyone successfully negotiated this?

Let me preface this by saying I might totally be in the wrong here. I hit a deer a few weeks ago, messed my car up pretty bad. It’s a 2017 Mercedes C300. The hood, bumper, grill, and right headlight assembly need to be replaced. Right fender can probably just be repaired. Regardless, estimate of the damages came out to about $7,700. I was SURE this would total the car, as I knew that my car was only worth $9-$10k. I had been trying to sell/trade it for the past year. It has 110,052 miles on it, cosmetic damages, coolant leak in the heater core, needs a new purge valve, etc. I have had four different dealerships tell me that it’s worth no more than $10k, and two offered me $5k to buy outright, other two offered $7,600 which is what carmax values it at. MERCEDES told me the car was not worth putting $8k worth of damage into and would give me $5k for it. Progressive tried to tell me it was worth $16,475. This number is based on what dealerships SELL my car for on average. My question is… if the car were to be totaled, they would NOT give me $16k for it, because that’s not what it’s worth. So how can they value the car at that price? It’s also a hypothetical number with dealership markups. They never sent anyone out to look at my car, they never asked about previous damage, NOTHING. The guy kept blowing me off and stated that they won’t run the value unless it’s totaled and flagged and we had not gotten to that point. Is this even legal?? I’m supposed to have the estimator call me tomorrow, but as far as I’m concerned, all he did was plug my vin into Mitchell Connect and say that it would sell for this so that’s what it’s worth. Should I fight harder? Everyone I’ve spoken to has told me to.