Felicia A. Williams

Felicia A. Williams is a wife, mother, freelance writer and owner of Tidbits and Stuff.

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Felicia A. Williams's Latest Posts

How to Obtain an Illinois Insurance Broker’s License

How to Obtain an Illinois Insurance Broker’s License

Individuals who wish to earn commissions by selling insurance in the sate of Illinois must obtain an insurance producer or broker’s license. The Illinois Department of Insurance requires all of its insurance brokers, agents, and producers to gain the necessary education and pass the state licensing exam in order to obtain a license. The number […]

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How to Obtain an Insurance Broker’s License in Texas

How to Obtain an Insurance Broker’s License in Texas

| April 27, 2010 | 0 Comments

The Texas Department of Insurance requires its insurance professionals to obtain a broker’s license in order to conduct business in the state. If you wish to represent policy holders or insurance companies as you transact business as an insurance professional, you will have to get a broker’s license. With a combination of using online technology […]

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Timely Bill Payment is Crucial for Improving Credit Score

Timely Bill Payment is Crucial for Improving Credit Score

| April 25, 2010 | 0 Comments

Paying your bills on time is probably one of the most important habits to get into if you want to improve your credit score. As much as 35% of your credit rating is based on your bill payment history. Your credit can take a big hit if you’re constantly late on your bills. If you’re […]

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Credit Scores:  What is Debt Ratio?

Credit Scores: What is Debt Ratio?

| April 25, 2010 | 0 Comments

First let’s start by saying that your debt ratio is different from your debt to income ratio. Your debt ratio is the ratio of the amount of debt you have outstanding to the total amount of debt you have available to you. The lower your debt ratio, the better it is for your credit rating […]

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Commercial Insurance Checklist

Commercial Insurance Checklist

| April 19, 2010 | 0 Comments

When it comes to purchasing commercial insurance business owners must understand that there are some insurance coverages that are mandatory and required by law, some required by contract and yet other insurance coverages are not mandatory or required but are nice to have. Business owners should develop a commercial insurance checklist to help them purchase […]

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Disputing Errors on Your Credit Report

Disputing Errors on Your Credit Report

| April 16, 2010 | 0 Comments

If you reviewed your credit report and found errors on it, it’s not the end of the world. The good thing is that you found the errors and now you can get to correct them. There are actually two methods in which to dispute errors on your credit report. The results are the same, but […]

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How to Get a New Jersey Insurance Agent License Online

How to Get a New Jersey Insurance Agent License Online

| April 14, 2010 | 0 Comments

The state of New Jersey has made it much easier to obtain an insurance agent’s license online. Getting an agent’s license online is not only quicker and more convenient, it streamlines the application process. Applying for an insurance license online eliminates the need to mail forms and applications via certified mail just to have a […]

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Get Your Free Credit Report from the Right Agency

Get Your Free Credit Report from the Right Agency

| March 30, 2010 | 0 Comments

When it comes to getting your credit report, did you know that only one website is authorized to provide the free credit reports you are entitled to receive by law? That site is AnnualCreditReport.com. According to the Federal Trade Commission, be wary of other sites offering free credit reports. Some of them advertise that they […]

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How to Review Your Credit Report

How to Review Your Credit Report

| March 30, 2010 | 0 Comments

If you listened to my advice in my earlier article you have a copy of your credit report. Now it’s time for you to review it to make sure that everything on it is correct. Back in 2004, a survey was done by a US organization named PIRGs, 79% of the survey respondents had incorrect […]

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Old Fashioned Tools for Buying a Used Car

Old Fashioned Tools for Buying a Used Car

| March 4, 2010 | 0 Comments

The internet has made it virtually easy to buy a used car. With tools like CARFAX reports, Kelly Blue Book values, Edmunds reliability ratings, Government sites that list vehicle fuel economy and more consumers can caught up in information overload and forget about the old fashioned basics. The old fashioned practice of “kicking the tire” […]

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