Tag Archives: Guide
The All Powerful Guide To Purchasing Home Owner’s Insurance (4)
The All Powerful Guide To Purchasing Home Owner’s Insurance
Every time you turn on the TV, ride down the street, open a magazine or listen to the radio, you’re seeing or hearing insurance companies push their products in your face. Find out the truth about how to save money on homeowners’ insurance with these tips. Don’t fall victim to the colorful campaigns.
Understand completely the personal property part of your home owners’ insurance policy. Some of them reimburse you only for damages happened at home, but some of them even pay when the damage happened somewhere else. Know exactly what situations are covered to avoid overlapping with other insurance policies (for example your car insurance).
If you’re using a state-sponsored insurance plan, call some private insurers to see if they’ll give you a better rate or more coverage for the same premiums. They’d like to have your business, so often they’ll be willing to work with you and offer you a great deal that you can’t refuse.
You should consider how far your home is from a fire department before buying it. The closer it is, the lower your homeowner’s insurance will cost. Also consider factors like how close it is to the nearest fire hydrant. The further away it is, the more it will cost to insure.
Keep as many policies with the same company as possible to reduce your total premium. Many insurance carriers offer discounts for customers with multiple lines of insurance. If you keep your home owner’s insurance and auto insurance with the same carrier, you may reap a significant discount on both policy premium totals.
To reduce the price of your home insurance, you need to decrease the risks of accident. You can start by buying fire proof furniture and materials. Install smoke detectors and fire extinguishers. Your insurance company will consider your home as safer, and in case of fire you should be able to contain the fire more easily.
Keep up with your home owner policy’s inflation. It may have been cheaper to build your house 10 years ago, but it might cost much more to replace it now. When it comes time to renew your policy, speak with your agent to see if your coverage amounts have remained realistic. Add any home improvement to the total.
Check your local state insurance website prior to getting a home insurance policy. It contains information that will prove to be quite valuable when making the decisions about your home insurance policy. It covers complaints, fraud reports and insurance company ratings, among other things. These tidbits could save you a lot of grief in the long run.
Consider a policy that offers guaranteed replacement value when shopping for home owners insurance. Guaranteed replacement value means that if your home is destroyed the insurance company will pay the cost to rebuild it, regardless of what that cost is. Considering that the cost of construction often increases over the years, this is especially important if you will be in your home long term. Having such a cushion can offer you true peace of mind.
Insurance companies, even if they’re completely trustworthy, want you to buy their most expensive product. It’s how they stay in business. So be sure that you’re using these tips to save on your bottom line without having to give up on protection features which will come in handy in case your home is damaged.
Free eBook Publishing Guide – Part 1 – Why publish an eBook?
Free eBook Publishing Guide – Part 1 – Why publish an eBook?
eBook defined
Despite being around now for over twenty years, no-one has yet come up with a stable definition for the word ‘eBook’. However, one can discern some typical features:
• The item is distributed as a single file (so CD encyclopaedias are not considered to be eBooks) and can be opened as a data file in an application, rather than being launched as an executable (.exe) file
• The item is both complete & completed – i.e. neither a chapter / episode / serial nor an unfinished work in progress
• The item is familiar to readers, as obeying most or all of the standard conventions of a book (e.g. contains a table of contents, preface, index, etc. and is between 25,000 and 400,000 words in length)
The advantages of an eBook
Aside from the financial advantages for the author (which I will cover below) there are a number of intrinsic benefits to eBooks when compared to the traditional printed book:
• Readers can search the text to quickly find key information, particularly when reading for a second time
• Readers can adjust the font face and size to make the book easier to read (ever more vital for an ageing population!)
• Blind or partially-sighted readers can make further use of text-to-speech conversion software (“screen readers”)
• eBooks can be read in low light or total darkness by using the back-lighting features of PC or mobile devices
• Distribution costs are extremely low and eBook authors and publishers can respond quickly to any erratum or addendum, with more frequent, incremental editions
• eBooks are environmentally friendly. Many hundreds can be stored on a single device and paper use (through printing) is minimised or avoided altogether
• eBooks without DRM protection can be instantly copied and backed up easily
The Advantages for the Author
When writing a traditional printed book, the odds are stacked against the author making a decent living from their work! eBooks, by contrast, deliver a real return on investment for the author:
• You cannot get rejected! A traditional book may get rejected 50 or 60 times by different publishers and agents before finally being accepted – or indeed may never find a home! Many authors paper their walls with rejection letters. You won’t have to!
• You don’t have to wait! For the traditional book, it can take up to two years for the publisher to get your book to market (managing as she does a huge and inefficient supply chain of printers, shippers, wholesalers, distributors, marketers and booksellers). An eBook may take no more than 10 weeks!
• You can make a lot more money! To illustrate this, imagine a traditionally published book with a list price of £20. The Distributor and buying public share a 50% trade discount between them (£10 in this case) and the Publisher takes £9; leaving the author with a 10% royalty on the discounted “net” price (£1). For a trade paperback, this might be less (perhaps 70 pence). For an equivalent £20 eBook, you could earn 14 times as much on each copy (£14)! More on this later in the guide.
• You get your money sooner and with less surprises! On a traditional book, an author would generally get their cut up to 120 days after the actual sale, with 20% of their cash witheld as insurance against unsold books. With eBooks it varies from immediate receipt to 90 days, with no portion witheld.
• The practical advantages; eBooks can be changed or updated easily, without the need for new print runs and thrown-away old editions. They need never go out of print and can cross genres or use unusual formulas without aggravating an interfering editor! Finally, you retain complete rights to the title and agreements will be non-exclusive (so you can sell through other publishers).
Conclusions
I hope I have convinced you that the eBook option is very much worth investigation, particularly for the new author. You can avoid publisher rejection letters, get to market 12 times faster and make 14 times the income per book than you would in the traditional publishing model.
In chapter 2 of my free eBook Publishing Guide (“features of the eBook Market”), I explore the Book market itself and the different emerging publishing models therein.
Pet Insurance Moreover Health Insurance Quotes: Online Guide
Pet Insurance Moreover Health Insurance Quotes: Online Guide
A recent survey estimated that the average dog owner will visit the vet two-three times a year and spend an average of two hundred dollars. Pet owners who have cats will spend a little bit less. That estimate is for the normal routine stuff like sterilization (spaying or neutering), vaccinations, worming, and a heartworm test; you’re normally in and out of the veterinarian’s office in approximately fifteen minutes. It’s hard to imagine what the trip to the veterinarian’s office would cost if your pet was suffering from a really serious medical problem such as benign tumors or a broken leg.
Approximately three percent of pet owners in the United States have decided that the best way to deal with financing their pets vet bill is to purchase pet health care insurance. Pet health care insurance is similar to human health care insurance. The pet owner pays a monthly premium and when the pet has to go to the veterinarian’s office the insurance company will pay a certain percentage of the bill minus the deductible.
Before a pet owner purchases a pet health care plan they need to get some estimates/quotes on various plans. Before the pet owner goes online to find a quote they need to grab a pad of paper and write down two things. The first thing they need is a wish list of the type of pet health insurance coverage you would like to get. This list can include things like prescription coverage, low deductibles, dental, annual checkups, spaying and nueturing, declawing and anything else you can think of. It is important to remember that you may not be able to find a pet health insurance plan that will have everything you want, circle the items that you simply can’t live without. The second thing you need to write down is what is the most you can spend each month on your pet’s health insurance plan. Keep this number close by so you don’t splurge on an insurance plan you won’t be able to afford.
Now do a couple internet searches to find all the names of pet health insurance companies. Go through the list and find all the companies that have health insurance plans that are compatible to your wish list and seem to be in your budget. Try to narrow the list down to the five most likely possibilities.
Now that you have five health insurance companies that seem like real possibilities go to their quote section on the webpage. Follow the instructions and enter all of your pet’s pertinent information.
If the quote is satisfactory its time to proceed to the next step. Call your pet’s veterinarian and ask the clinic will accepts this particular brand of insurance. If the vet clinic you use doesn’t accept insurance from that company move to your next possibility. You’ll probably have a harder time finding another good vet then another pet health insurance company. Now all you really have left to do is to talk to the pet insurance companies representative.
The Common Sense Guide To Home Owner’s Insurance
The Common Sense Guide To Home Owner’s Insurance
Purchasing a home owner’s insurance policy is an essential part of securing a home loan. It can be confusing to understand how much coverage you need, and which company will best suit your needs. In this article, we will discuss some of the aspects of home owner’s insurance. We will also help to clarify some of the confusion, by providing a few user-friendly tips.
When purchasing home owner’s insurance, verify the type of area you will reside in. If you reside in the country, you will most likely have higher rates than if you resided in town. This is due to the distance being longer to a nearby fire station. If you live further than 5 miles from one, and if you live farther than 1,000 ft. from a fire hydrant, you will probably have a higher premium to pay.
To make your home owner insurance go down, purchase a good alarm system. This will reduce the risks of your house being broken into. Your insurance company will stop considering your house as a risky thing to insure and decrease the price of your insurance. Do not forget to send proof that your house is secure, to your insurance company.
You should decide whether you want to make your home owner’s insurance a catastrophic or every day policy. Insurance companies typically begin giving large discounts on premiums if you have large deductibles. If you don’t plan on using your home owner’s unless a catastrophe hits, then there is no need to have a 0 deductible.
If possible, pay your home insurance premiums annually. When you spread your payments over monthly or quarterly installments, insurance providers will normally charge you an admin fee and interest. By paying your home insurance in a one-off payment at the start of the year, you can avoid these extra expenses.
For people who live in locations where earthquakes are more like to happen, it pays to get earthquake insurance. This is because if an earthquake occurs and you do not have this kind of insurance, you will be stuck having to pay for repairs to your home and replace your possessions that have been damaged.
Pay your home insurance yearly instead of monthly. Breaking it in to monthly payments may make it seem to be cheaper but if you save the money to pay it in full for the year, you will get a discount for making that payment. This can save you a good bit of money over the years.
Stay away from pools and trampolines. While your kids may love to jump on the trampoline or swim in the pool, these little extras are insurance nightmares. Insurance companies will up to double the rates of a homeowner who installs either of these items. Stay away from extras with the potential to harm!
Purchasing a home owner’s policy is a necessity, especially if you will be financing your home purchase. The process can be confusing however, and navigating the insurance industry, sometimes proves difficult. In this article, we have provided you with a few tips that should help you in making your selection. Follow these tips to simplify the process of purchasing your next home owner’s insurance policy.
Great Guide On How To Organize Your Finances (2)
Great Guide On How To Organize Your Finances
Most people would agree that without a great grounding in the realm of personal finance, life is bound to be a difficult journey. In order to prepare yourself for the adventure, it is essential to gather as much knowledge as you can on matters of money. Take the following ideas and tips to heart, and you will be well on your way to attaining expert status.
Stock up on items you know you will need when they are on sale. Furthermore, join a warehouse club to save on food and household items. An annual fee will give you access to savings on food, paper products, electronics and even clothing. A one-time fee can save a bundle within the coming year.
When it comes to buying a car or truck, never pay full price for a new model. Brand-new vehicles depreciate in value by thousands of dollars, the moment you leave the dealership. Instead, opt for a used vehicle that is one to three years old. You will pay a great deal less, making this a smarter investment.
Cable TV is considered a necessity by many families, but it really is an optional expense, and usually comes at a high monthly cost. Over-the-air TV is free and you can get it in high-definition. Other options for movies include, subscriptions like Netflix, websites like Hulu, renting from Amazon, or wireless set-top boxes like Roku or Apple TV. Chosen judiciously, these options could save money over cable.
A good personal-finance tip is to look through youtube videos when you’re facing some home-improvement issues. A lot of things can be fixed by taking care of it yourself, contrary to calling in a plumber or repairman. There are plenty of helpful videos on youtube that you can watch.
A great personal-finance tip is to seek for professional debt consulting services when you think you’re over your head. These services are often free and can help you significantly. It’s never a good idea to put off financial issues and just assume everything will work out by itself.
Take advantage of the benefits that your job offers because these can save you a lot of money. If your company offers life or health insurance, that will save you a lot and you may also be able to benefit, if your company offers an employer matching contribution on a 401(K).
Take stock of your monthly bills and find areas for cuts. Evaluate whether all the features of your utilities are necessary. You may find options that go unused, yet are paid regularly. You may also find special offers that cut your costs for a period of time. Just pay attention to time frames and check overall costs first.
Without thorough knowledge and understanding of matters pertaining to personal finance, life can be challenging indeed. To ready help yourself for any eventuality, acquiring a strong body of information is the key. By using the concepts and guidance contained above; you will have the equipment needed to build a durable financial future.
A Basic Guide To Home Contents Insurance
A Basic Guide To Home Contents Insurance
Basically, home contents insurance is insurance protection against the replacement cost that you would otherwise have to pay to replace the contents of your home in the event of then being lost, damaged or stolen. As is the case with home buildings insurance, the main factors contributing to grounds under which you can make a claim against your home contents insurance include theft/burglary, damage due to floods, burst water pipes or boilers, etc.
There are, however, two very important factors that you need to keep in mind when insuring the contents of your home:
Two further aspects of home contents insurance also need to be considered carefully when you are checking out the different kinds of policies on offer. In some, but not all, cases you can be insured for your home contents even when the items listed in your home contents insurance policy are not actually physically located on the home ‘property’. So, for example,
It does not, nor is it intended to, insure you against the nostalgic value of the item damaged/lost. So, for example, if you insure a picture your deceased grandmother gave you, which would cost £20 to replace, it makes little difference that it was your deceased grandmother who gave it to you and that it cannot, therefore, be replaced.
Although home contents insurance is, in all but a few very rare circumstances, a completely voluntary scheme of insurance to subscribe to, if you are in any doubt as to the value of this insurance scheme, take a quick mental inventory of the contents on your home and their value and then get a few quotes off the internet and you’ll soon be seeing the value of having your home contents properly insured.