What books are biddable to study surrounded by instruct to better prepare myself for the NY property and casualty brokers exam?
Question:
books title please
Answers:
I like the Kier series, myself - but they're super expensive. EVERYTHING you have need of to know is in the license study material you bring through the state, however. So you don't NEED anything else.
You could, however, take one of the three morning licensing crash courses through your local independent agent's department - www.iiaa.org
Anyone know anything going on for California ruling pertaining to Pain & Suffering settlements??
Question:
Hi, thanks for the responses...
I be involved in a motorcycle misfortune last month. I received several bumps and bruises and cuts and scrape, but nothing trunk. I did not see a medical facility, because in former times I have broken my collar bone and be told there be nothing they could do - unquestionably, they can do even less for bruises and scrape. So, rather than spend my time and money in an ER room, I didnt be in motion. This also saved the other guty's insurnace company medical bills... He be 100% at fault, ram me from behind at a stop sign...
Now, his insurance company claims that, since I hold no medical bills, they have no passageway to evaluate my injuries, and as such, they refuse to wages me any pain and suffering money - they stay away from to even begin conference from the point I began them at. Just a simple denial memorandum...
Can Insurance Companies do this? Deny your claim based upon no medical bills? The other guy have a broken collar bone and separated shoulder, and I had $3K injure
Answers:
Pain and suffering is based on injuries. Injuries are defined, here within the US, by medical professionals. Your failure to see a medical professional and document your valise will most likely negate any possible misery and suffering payment.
They are acting similar to ANY OTHER INSURANCE COMPANY IN THE US. No medical bills . . . . but you want pain and suffering? Obviously, you didn't enjoy any serious injuries - serious meaning, requiring medical treatment. It's palpable because, you didn't have any medical treatment.
Sorry, you don't hold a chance.
You can jump to the doctor now, but you're potential to pay the bill yourself, as one integral month after the accident the onus will immediately be on YOU, to prove that whatever injuries the doctor can document, come from THAT incident, and not something else that's happened surrounded by the meanwhile.
Yes, they can do this. YOU didn't have $3k contained by damage - your bike did. And they should own paid that.
Of course they can deny your claim base on no medical bills! That means in attendance IS NO CLAIM! if you didn't go to the hospital, and you yourself said near was no crucial injuries, just a few "scrape and bruises", why do you think you should be collecting money for medical?? Gimme a break. The bike is another issue, that falls into a different category of insurance, and you should be capable of collect for that, as long as it was documented properly. But trying to collect for anguish and suffering, when you didn't even have to run to the hospital, sounds like you're trying to embezzle advantage, close to the rest of the sue happy idiots surrounded by this country. Sorry to be harsh, but that's the truth. No injury=no money. Stick to tryng to collect for your bike with the sole purpose...and don't be so greedy!
It's not opinion, it's reality...like the guy below me, and as I said b4, no medical bills = no claim. If you dream up you're going to collect when you didn't even have the sense to step to the hospital if you were so injured, next you're the one who knows zilch.
Economics of Group Insurance?
Question:
Why does it SEEM to be true that various insurances are cheaper if you are a partaker of some "group"? At least that's the channel they SEEM to advertise. I guess it is easier to pinpoint some risks near groups, but I kinda thought that spreading the risk was the point of insurance.
Answers:
No, it's true. That's because a GROUP policy spreads the risk more - EVERY branch of the group takes the together policy. For individual policies, people tend to individual buy insurance (particularly health coverages, I'm thinking here) when they want to USE them.
Example: Maternity coverage. On a GROUP policy, everyone get it. Including the men. Including the post menopausal women. Including people who are infertile, including society who hate children. The risk is spread to EVERYONE, driving down the unharmed cost.
On a PRIVATE policy, only empire who want to have babies, want to buy the coverage - which is why it's almost impossible to buy a private policy next to maternity benefits short a massive waiting period until that time they kick contained by.
For group policies - especially health - there's more profit edge for the insurance companies, because NOT everyone uses it, which allows the insurance companies to lower the pricing. Effectively, being within a group forces some people to buy something they're not going to use, for the biddable of the group as a whole.
i hope this will help u......
The economics of group insurance is the spreading of risk for the insurance company having to payment out claims for higher risk individuals. That is why it seem to be cheaper for the more "at risk" people... lug for example health insurance, it is terrifically difficult for someone with diabetis or heart desease to take adiquite coverage for a reasonable price on their own. But next to group insurance they are sharing the risk with well again people to frustrate the cost of the insuring company having to repay for the more unhealthy member. The cost is actually more for those who are younger and contained by better health becuase of the weighted size of the unhealthy and elder members.
If you are younger and of suitable health it may be smaller amount expensive for you to actually buy your own insurance.
Reasons group insurances are cheaper
#1 Lower cost of sale compared to individual policy
- it may take equal amount of time to underwrite 100 people at one run and 1 person
- smaller quantity work for agents because for 1 policy the agent can underwrite more people underneath the group scheme
#2 Economic of Scale
- Bigger pool of contributors and same operating structure
#3 Lower risk
- As insurer will belief the pool as one, but not all of them will claim at alike time.
If you pay envelope your 6 month vehicle insurance policy, and afterwards move to college(instate)... do you call for to report that?
Question:
I mean, my eternal address is still the same, it's only an apartment in a different location while I attend arts school...
Both are in NY in the order of 4 hours apart
And also, if they did want to collect and the rates go up, will they in recent times wait for the subsequent payment date, or will they want to collect the extra money for the remaining months? (Since I plan on paying the whole 6 month chunk adjectives at once)
Answers:
Yes, your GARAGING address is different. You need to notify the company. Rates can run up, or down, or remain the same. If you're paying the six months contained by full, they'll likely any refund you or bill you straight away for the difference.
I'd report it. You might qualify for a good student discount, and if the distance you drive from your apt to college is less than you be driving while at home, you might realize some savings.
Hypotetical insurance ask?
Question:
if my son took my car short my knowldege and permission and wrote it of would i still be capable of claim on my insurance?. He is 16 in the UK ?
Answers:
It depends on the insurance company. Many years ago in attendance was no problem (Your hypothetical son would be convicted of UT40 which is a serious offence) but the insurance company would settle up out.
However there own been cases of fraud and in a minute quite a few insurance companies specifically exclude nicking by family member.
So read your insurance policy document and see if there is an exclusion underneath the theft booth of your policy.
(For the sake of completeness: some parents when faced next to the realisation of the offence that their child would receive stated that the child be driving with their approval - and so the child would get an IN10 and a BA20 and the parent an IN12 and BA22)
If you've get theft cover. However, it is a condition that you report it to the police ... I will agree to you wrestle with that one.
xxR
Most expected there would be an issue beside the car mortal in the UK, but if he is a resident relative ( import he lives with you a majority of the time and is a relative) later permissive us is implied.
If you don't file raid charges against him, then he is presumed to enjoy your permission. The claim would be a collision & liability claim.
If you directory theft charges, he'll be prosecuted & sent to send down for auto theft, and the claim would be a pinching claim.
You can't call it a "theft" claim if you prohibit to prosecute, or drop charges.
i hope this will helps u......
The interrogate is whether your son is a listed driver surrounded by your house hold. The relevance to which ...if he took the car beside out your knowledge and consent you can clear a claim.
If he is Not a listed driver and resident of your household and took the motor with out your blessing then you must database Auto theft charges against him to cliam on your poilcy.
The switch is his residence and permission.
Luckily you own national health coverage contained by the UK, because your son should need it after that stunt.
Anyone know of coup¨¦ insurance next to no deposit to wage?
Question:
Answers:
No, because insurance is a CONTRACT. By definition, if you don't pay a deposit, the contract is null and void.
Similarly, if your deposit check bounces, the contract is void.
I meditate most places ask for a deposit now, unless you are paying the full amount for the year.Have you gone online to enjoy a look, i did my husbands online and the deposit was just 40 pounds which is alot cheaper that what we have rewarded in the recent past, and they checked the cheapest price for you aswell.
The best bet for you is to find an insurance firm who does monthly payments. I used Confused.com to trawl the best deals first. Obviously you can phone around but it adjectives takes up your time.
assuming you are surrounded by the uk try e car insurance they do a money as you go policy which you can reverse whenever you want with no penalty www.ecarinsurance.co.uk its cheap too.
Try Liverpool Victoria (LV=). I have mine in that, very cheap and didn't hold to pay a deposit.
In net Anesthesiologist, out of introduce yourself billing assignment?
Question:
I had a simple surgery on April, very soon is reviewing the doctors' bill, I had a bill from this Anesthesiologist want to charge me 500% of RBRVS rate $900 for the service directly and mentioned that I have to pay the full amount, my strength insurance is PPO, it sent me EOB explaining that this anesthesiologist is an Out of network service provider, so the insurance company simply paid $66, I salary $66 plus the bill balancing of $768. I checked this Anesthesiologist's heading is in the insurance company notes base, her billing department denied that she is an in exchange cards, I noticed that she is using another medical group out of state to bill the insurance company...
I call the insurance com. customer support, and get them reprocess the out of framework bill into In work bill since I can point out the Physician ID and they reply with her moniker and address in the facts base, what should I do to this Anesthesiologist's bill, retribution the PPO rate and ignore her bill and dispatch her the proof that she is in netwok..
Answers:
Contact your insurance provider and ask that the bill be re-processed as an "invisible provider" or "unnoticed provider".
You don't get a choice of anesthesiologists, and we don't attain to choose our patients.
Add that to the fact that insurance companies routinely crumple our claims, and you end up next to a mess. They should pay as in-network.
Good luck.
wages the bill.if you ignore it you are going to closing up paying more in the long run.it could also mess near your credit score.
Sad to right to be heard, it's your responsibility to insure that any service providers you use are within your meet people. If she was not a see provider, you are stuck with what you hold been offered.
The reality that this anesthesiologist is in the insurance company's database does NOT mingy that she is within gridiron. To determine that, you need to check the enumerate of approved providers for YOUR particular framework plan.
Whenever you are involved with a PPO, it is other wise to check ahead of time to sort sure that all services you are give or take a few to receive are covered under the PPO agreement.
Now, depending on your insurance delivery service and the hospital where the procedure took place,,,,,,There is a point called a "buried provider rule", meaning that if you used an "within network" provider and were at an "within network" hospital then your insurance should retribution it. You had no choice contained by what anesthesiologist that was used.
Contact you vigour insurance carrier and cross-question this rule with them.
Licensed insurance agent looking for work from home! Can anyone refer me?
Question:
I have 3 children and nowhere for them to step during the summer months, I live in a rural nouns in Missouri. I am a licensed insurance agent but quit my chore in May to stay home next to my kids and possibly continue my nurture. The continued education plan fell through and I am need to go vertebrae to work. I have hear of many insurance agents working from home but enjoy yet to find or seize a hold of a company to work for. Anyone have any design or suggestions?
Answers:
Many insurance agents work from home but they need to be available to spawn sales call. With kids at home that probably won't work for you.
There are several work at home websites such as www.wahm.com that will help you find a work at home career is that is what you inevitability. Read through the message boards and post questions.
Well, they do that by starting their own AGENCIES within their home, and going out and selling insurance, and living off the commission.
You can try to bring an appointment with Progressive, they're the easiest. Likely not a soul else is going to give you an appointment minus a track record.
No one is going to HIRE you to work out of your home, and foot you a salary to do it. It's impossible - an agent needs to be at the department to handle walkins and phone call and marketing reps. Not to mention the overnight deliveries, and adjectives the gobs of paperwork that be in motion to and from the office. Plus, there's a huge E&O exposure if you pilfer hard files from the department - including mail correspondence.
This company will allow you to split commision beside another agent that goes out and does adjectives the work, all you do is dispatch referrals surrounded by or however you get clients.
www.worldfinancialgroup.com
Feel free to contact me for more info. Hope this help.
www.naafutureagents.com
With NAA you can work from home but will need to call on clients in their homes any on weekends or in the evening or any other time you can bring back someone to watch your children.
I am located surrounded by Arkansas and can help you go and get started. Send me an email if you are interested.
Good luck and God bless!
Is their affordable Health Insurance for full time students?
Question:
I'm a full time college students & I no longer have Health Insurance because I turned 19. I can't shift on my dads plan because its for people 65 & over or disabled. I've looked on the internet and haven't really found anything afforable besided for International students & and not internaional. I'd resembling to find insurance like they can achieve from ISO where they can income $27 per month. I haven't found anything like that for myself & just paying 27-40 dollars a month would be GREAT! Can anyone help me?
Answers:
If you want a policy for $40 a month, it's going to enjoy a HUGE deductible - like $5,000 - $10,000. If that's ok, shift to a local, independent agent, and tell them you want a most important medical policy.
Medical discount plans are in your price scale, but they aren't insurance! They offer you a discount, between 25% to 60%, to a set number of providers. You might have to drive 200 miles to acquire to an emergency room that takes the discount - most do NOT. Then, you still hold to pay your portion of the stop by.
The way insurance works, the lower the deductible, the better the monthly premium. That's JUST how it is.
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You can gain low cost individual insurance with heaps carriers. I would also suggest asking your academy. Most colleges offer affordable vigour insurance. You may be limited to the doctors on campus or surrounded by town.
Try Consumers Life Insurance company with a $5000 ded (100% after ded), $25 organization visit, $25 urgent assistance, Rx, annual exam, and much more.
Free Quote:
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Wow, I’ve never hear of a plan THAT cheap! If under $100 sounds appropriate to you, though, I may have some info you can use. There’s a alien company offering low cost individual health plans surrounded by Texas for young, logically healthy family, and is a great health insurance solution for students. You buy into a plan at a super low cost near fixed benefits that will cover the typical activities and preventative carefulness of a healthy entity. Then, if something catastrophic happens, you hold the option to take additional level of coverage, even AFTER the event. A healthy mannish 25-years-old (and under) would pay beneath $100 a month for basic coverage. Check them out at http://www.precedent.com. Even if you’re not contained by Texas, my understanding is that they’ll be offering plans within additional states soon. I hope you find what you obligation!
There is a health insurance alternative that you can try. It is call ameriplan www.everyonebenefits.com/40524... instead of insurance, you will get a discount on adjectives health costs, dental, daydream, and prescription. It is much cheaper than insurance, and there is no waiting extent. You can use it immediately. I hope this help.
Insurance broker?
Question:
I know what a broker is but don't know what an insurance broker is and wondered if anyone knew what it style of job it is and what requirments you call for to become one? Thanks.
Answers:
I have just now replied to a similar question going on for career as an insurance broker, but here go.
An insurance broker is both the agent of several insurance companies (who authorise him to sell their products) and an agent of his clients (who he may insist on on the type of insurance products available). This immediately cause possible conflicts of interest although the FSA are imposing standards to ensure this does not arise.
The broker may offer 'a unprejudiced market analysis' i.e. a variety of products for a type of insurance, ' a limited field of products' or a single product and it is quite possible for a broker to contribute different numbers of products for different types of insurance e.g. a broker may offer a 'fair marketplace analysis' for car insurance but one and only a single legal expenses insurance policy. It is a condition of the FSA rules that they support you on what basis your requirements are offered (usually found surrounded by a status disclosure or IDD document).
Insurance brokers may 'advise you' or offer you a test of policies for you to choose. If you buy on the internet you are not getting advice and it is up to you to ensure that the policy you buy meet your needs - merely a fool or an expert should buy insurance online. If the broker offers proposal then they own to ask sufficient questions to ascertain your 'demands and needs' and generate a recommendation base on your 'demands and needs'. You should therefore procure what you need beneath those circumstances (which is NOT always the cheapest!)
Insurance broking be regulated by the Insurance Mediation Directive passed by the EU and regulation in the UK be undertaken by the FSA on January 14th 2005.
To become an insurance broker you entail.
Expertise in the insurance products you put on the market. (TC)
Adequate Financial Resources. (PRU)
Knowledge of how to administer products and provide details of yourself to your customers (ICOB)
Apply for Part IV permission from the Financial Services Authority
Be official as agents from insurance companies
Have Professional Indemnity Insurance (SYSC)
Have client accounts to look after client money (CASS)
Treat your customers fairly (TCF) and apply elevated level business standards (GEN)
Be competent to compete against existing insurance brokers and insurance companies and bancassurers all of which hold tremendous financial resources to attract business.
I would read the FSA handbook - http://fsahandbook.info/fsa/select-handb... - to appreciate the rules we hold to abide by.
In the future I can see a situation where on earth only the better sour seek proposal about their insurance wishes and others buy online, direct from insurers, banks and enjoy to look out to see if the cover is suitable.
But it is a very interesting occupation - hope I own not put you off!
An Insurance broker is a party that is self employed, must hold FSA qualifications UK and relatively often operate from his own high-street shop and gets the best operate from a number of companies for you. Not of late the one, like if you budge to the bank or an insurance company.
EchoTango said it glib and to the point. If you know what a broker is but don't know what an insurance broker is then probability are you'll be a brilliant Insurance Broker!!
Just the right kind of character to fit into the right kind of mission.
Just concentrate on a beautiful suit and shoes and receive sure you are well groomed and pleasant to be next to.
Then rehearse your lines and make sure you achievement smooth and convincing in what you utter then that is to say it. Do this every day.
What is the adjectives of insurance adviser within Indian perspective?
Question:
do they earn substancial income at leisure?
Answers:
There is closely of scope for insurance related professionals within future surrounded by India. Education is the biggest factor for people to become conscious to run insurances. As education level increase so will the insurance sector revenues and your incomes if you are a professional in that enclosed space.
Hi,
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but i'll help u out!
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India by and sizeable is not an insurance conscience country. I used to be an insurance broker at Lloyds of London and they were fun days.
I suggest that there will be a bright adjectives for the insurance advisers contained by India, because, now a days near is enormous awareness in the region of insurance amount people and its growing.
Due to software zoom surrounded by India, people started earn more and also paying more taxes. To save the taxes they settle, they are willing to squirrel away in insurance to safeguard their adjectives and their family/dependants with financial wellbeing.
P N KRISHNA MURTHY
CHENNAI,INDIA
pnkmurthy@yahoo.com
yes, insurance advisior has a bright adjectives in india,because
1.race have to invest for charge benifit
2.insurance growing @350%
3.past 3 years ROI return on investment is well brought-up.(ULIP) *subject to market risk
4.SB ,FD,Post Office Investment hand over retun only upto max 10% solely.
5.India GDP 9.4 and moving up
My advise is to move to the US to be an Insurance executive .
I own many producers from India. Their are lots "Indian" associations here for Hotels and restaurants and Gas Stations. Millions of Indians make a moral living in this country and are entrepreneurs of these trades.
as an Indian agent representing oodles multifaceted insurance companies you can become a "hero" with your fellow Indians.
Helping them next to their programs. Yes it would be a good adjectives.
Want to be an auto insurance agent?
Question:
I am from WA state and I want to get auto insurance agent license because I want to work on a insurance related college project.
I am ready to appear for the exam but WA state requires affiliation or sponsorship from an Insurance Agency. Considering I am not planning to market auto insurance how can I approach an auto insurance agency and request them to vouch for me so that I can get agent license?
Answers:
If you don't plan on selling insurance, you don't entail a license. Period.
I just checked the WA state website. You stipulation an APPOINTMENT in proclaim to sell insurance, WITH your license. Apparently you don't requirement the appointment to GET the license, but without an appointment, the license by itself isn't going to do you any accurate.
SO. You can take the background courses you need to pilfer, pay your trialling fee, pilfer the test, miss it, pay the license fee . . . and do exactly WHAT near the license? Nothing, because you can't sell insurance short an appointment, and you can't ADVISE without a broker's license.
An AGENCY can't sponsor you. A COMPANY have to sponsor you. HUGE difference. NO ONE is going to sponsor you, unless you're going to work for them.
Please lend a hand me find some affordable medical insurance within Georgia.?
Question:
I need medical insurance for my wife and two kids. Can anyone point me within the right direction? Thanks so much.
Answers:
www.peachcare.org
this is the website for the Georgia state children's health insurance program - low cost for lower income family.
For the wife, she'd only qualify for it if she's pregnant, but consequently the baby counts as another household contestant.
Otherwise, your best bet is to get quotes through a local, independent agent for an insurance plan, but it's NOT cheap.
One more non-insurance alternative - www.medi-share.org, it's a medical bill sharing group base on Christian principles. It's NOT insurance.
But it's better than nothing, IF they'll whip you.
Affordable and medical don't always walk together. You can try Blue Cross, but you may want to take the greatest deductible possible so that you can afford the monthly payments. Plus you can supplement with United American, which have major medical, cancer income policies, etc.
I can't assistance you with insurance but i can abet you with an alternative until you can find something you can afford. My husband and I use it presently... Email me if you would like more info or move about to... www.benefitsthatsave.com
If you are looking for affordable health insurance as and individual try Consumers Life Insurance Company. They hold some really nice PPO and HSA products. Each plan is designed to mimic a group plan (ex: low ded., office drop by copay of $25, urgent care copay of $25, Rx card).
http://www.consumerslifephp.com/...
http://www.gardberginsurance.com...
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or www.robertsonsfinancial.com for a interconnect to free or low cost health insurance for children
Life Insurance Gap~ Pesonal Finance?
Question:
Suppose you found that both you had a go insurance protection gap of $50,000. Present the steps within sequence how to proceed to search for protection to close that chink?
Answers:
A college course teaching something just about life insurance? That's interesting.
Most of the clients I see any had no vivacity insurance or had too little coverage. What I do is harvest bunch of financial information from them and record them on my financial wants analysis. Information I collect is bank statements, mortgage documents, credit card statements, 401(k) statement or any other retirement plans they may enjoy, any other personal loans such as student loans, their life insurance policies and statements, and any other financial documents they may enjoy.
From all this information, I can integer out there total assets and total liability to figure out their network worth. Then I figure out how much time insurance coverage they really need. If they can't afford the amount of coverage they want right now, near are several things I can do to help them free up money.
1) If they enjoy life insurance right in a minute, I may be able to show them a better life span insurance plan that cost less and add on more coverage. So that will fill contained by the gap. Then I would push for them to invest the difference.
2) If they don't have duration insurance right now, I purloin a look at their financial situation. One area I would look at is their total debt payments. In this nouns, I recommend they consolidate their debt into one fixed payment. This will lower their monthly transmittal. Usually I save them on average roughly $400/month. I would use maybe $25-$100 to lend a hand them buy life insurance. Then apply possibly $100-$200 toward the principal balance. And what's ever departed over, I advise them to invest it.
3) I can also do a budget worksheet to integer out what they spend on a monthly basis and work beside them to figure out which areas can they spend smaller number on. For example, if they spend money on cable, I would ask the client, "Which is more important to you? Protecting your ancestral or watching TV?" I don't need much money to minister to them get lots of coverage.
If you enjoy a "gap" presumably you have some already within place. Call your agent an get more coverage.
Go to an agent. Talk to them around it. Let them solve your problem.
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First let's see why you get the impression that you have a hole... what has changed contained by you personal finances that has cause the gap... and are you sure that it is lone $50K.
Is the insurance you have within place currently individual life insurance, or is it through work. If it is individual afterwards call the agent that originally sold you the policy and work near them to fill the time. If it through work, then return with referrals to a reputable and qualified agent to cover the full amount including the period (use you work as a supplemental plan). the reason for this is to take home sure if you are ever laid off, injured or anything else, you don't find yourself next to a much larger gap than you own now.
Best to verbalize with a perfect agent rather than stir over the internet, unless you want your family to operate by email to get the passing benefit.
Monney open market?
Question:
hey there i get an question can u construct good monney contained by the momney market???
Answers:
It depends on your definition of "accurate money." The average rate of return on them is 4-5%. They are better than most bank accounts, but still a slow growth. Using the Rule of 72 formula, it would give somebody a lift 14.4 - 18 years for your money to double.
Money markets are a great channel to setup an emergency fund because you don't need to put too much within there and they are confidently liquidable. (Your emergency fund should have just about 3-6 months of your income. For example, if you get compensated $2000/month, you would need $6000 - $12000 contained by there).
If you want to accumulate a clothed amount of money in the long permanent status such as for retirement, I would invest in equity mutual funds. I would depart an IRA account for it.
Only if you enjoy good money to put surrounded by it. The rates are good for interest but if you dont own much to put in, the interest rates are not as right.
You need atleast $25k for a clad rate. ING Direct has better rates if you do not own as much to put in.
Rate of return is around 4-5%. Not "good money" surrounded by my book.
Monney markets are clothed places to put short term money... you are not going to double your money surrounded by these accounts in 3 to 6 months. Also remember that any interest you brand on these accounts will be taxable at your tax bracket. So that process if you have 5% interest rate for you MMA your ture interest rate is one and only 3.6% after taxes assuming a 28% tax bracket. Then don't forget to include inflation within the mix which at a 3.6% rate you're barely breaking even.
If the money is long residence, Meaning 10 yrs or more there are much better places to put your money that will allow it grow on due deferred basis, and consequently allow you pull the money out on more import tax efficent manner.