Insurance Buying Guide,Insurance Reviews

Money saving tips on going green

3 Jul , 2017  

1st thing is, replace your old timey light bulb with a Compact Fluorescent bulb. It’s gonna save ya 75% of the energy used by the old bulb, generate 90% less heat. A 25 watt CFL will give ya the same amount of light as a hundred watt bulb. Did I mention it’ll last about 10 times longer? This thing’s gonna save ya about $75.00 over the life of the bulb. Go get ya some. My Grampa used to tell me, “Waste not, want not.” Friends and neighbors, we didn’t through nothing’ away! Old Grandad would have been shocked if he saw some of the packaging these companies use today. Heck! There’s more money in the package than there is the product.

Look fer products that don’t use all that packaging. Buy in bulk where ya can. Buy real food at the grocery store. I mean buy taters, carrots, whole chickens, beef steaks or roasts. Stay away from the cut up, processed foods. Eliminate tons of garbage, and save money to boot. If ya keep your yard in good repair, and the grass ain’t knee high to a jack rabbit, get ya one of them new push mowers they got out today. They ain’t nothing like the one I had to use to mow with when I was a kid. They work really well, and ya get some exercise to boot along with saving energy and keeping the smog down. Be sure you insulate ya house really well.

Most people overlook that way of saving money. Now I can remember living in a house where you could see outside without windows. Gramma’d tell me, “Son, get outta that draft! You’re gonna catch your death of cold!” I’d say, “Gramma, where would you like me to go ta get out of the draft, the barn?” She’d just laugh. Well, we don’t have to put up with that nowadays, but have ’em blow your attic full of fiberglass, and keep them windows and doors shut good. It’ll make a world of difference in your heating bill. You can save tons of money and waste if ya buy used instead of new. One of my favorite places is Goodwill.

Buying from Goodwill and donating to Goodwill helps a lot of mighty deserving folks. They’re out there trying to make a living the old fashioned way – they’re working for it. Why, they even have an on-line store now. Go in and take a look around at Goodwill Too! You might find something ya can’t live without. My wife had druthers go to garage sales and flea markets than she had to Sears, or Macy’s, or any of them other high falootin places.

She’s like a kid in a candy store. Christmas is comin up soon, and you can save some money here and help our environment to. Hide ya credit cards and spend cash this year. Garage sales and flea markets are the way to go. Why, just last week, I bought a $150.00 leather jacket fer 10 bucks at a garage sale. I checked it out on the internet. Passing it around like that is good for our Earth.

Insurance Reviews

About Money Saving Tips

3 May , 2017  

I promised you a little bit about me, so here it is. I was born in a little shack in Greenville TX in 1942. My Dad was in France at the time trying? to teach Germans to respect Texans, and I wasn’t doing much ? just kinda laying? around and goofin? off. ?Course, that is what you do from 0 to 2 years old. I went to live with my grand parents at the age of three. We lived in a little cabin my Grand Dad built. It was kinda secluded ? about a mile back down in the woods. I was 8 years old before I lived in a house with electricity or indoor plumbing.

We were share croppers. Now for you folks that have no idea what a share cropper is, let me enlighten you. The share cropper strikes a deal with the land owner. The land owner furnishes the land to plant on, and the share cropper furnishes everything else. The seed, the farming equipment, all the labor, gasoline plus anything else that might be needed we furnished. When the crop was harvested, we took it to market, sold it, and the land owner got half the money. Great deal ay? That half of what was raised on 40 acres had to last ?till next year at harvest time. Oh, ?bout 800 to 1100 dollars a year.

You ever try to stretch that kinda money out for 12 or 13 months? You learn to save money. When I graduated from high school in 1962, my Grandad worked at the College as a grounds keeper bringing? in $162.00 per month, paid once a month. Ya gotta really stretch it to make it from payday to payday. Yep, I got me some experience! Now my Gramma lived by a very strict set of rules. You never say anything unkind or harsh to anyone. She had a term she used tho, that was so very useful in a lot of situations. Well bless your heart!? That phrase had so many uses. When I came in and told her I had gotten a speeding ticket, she said, “Don’t drive to fast, and they won’t give you no tickets!”

The next time I got a speeding ticket, she just looked at me in that way she had, and said, Yep, ?Well, bless your heart!? which meant ?Ya Moron, I told you to slow down!? Being a very gentle lady, she would have never said that. It would have been rude. Now, if you go out and get burned on some get rich quick scheme or by some foreign company (You know all them folks on the internet ain’t from around these parts, don?t ya), then I?ll feel plumb sorry for ya ? the first time. But, if, after I’ve warned you and you do it again, Well, bless your heart! As ya go through this site, you might just notice that the language is a bit different than yer used to. That’s on purpose, Friends. A very nice gentleman was kind enough to do a review on my web site. He said that, quite frankly, the language irritated him. He did say, however, that he was English.

I told him, “Well now, see. There ya go. You’re operating on the mistaken idea that we in Texas speak English! We speak Texican.” Now Texican is somewhat similar to English, and folks who speak English can understand most of what we say, but it’s a whole different language. Stick with me pardner. Why before you know it, you’ll be speaking Texican as a second language! Ya might even pursue a career as an interpreter fer the Newninted Nations! For a number of years, I was on the road as a Native American artist, flute maker, and recording artist. I?m semi-retired now.

I only work about 60 hours a week. A lot of that time is in research to help my family, (that be you), save some money. Helping each other is a tribal thing that is ingrained in the Native American traditions. Working together is the only way we could stay alive during the hard times. We know that if we work together, we can make it. Welcome home cousin. Take off ya coat, and sit a spell. Stumble It!

Car Insurance,Insurance Buying Guide,Insurance Reviews

Calgary Car Insurance: What is in it for you?

12 Mar , 2016  

calgary car insuranceCalgary car insurance can cost a lot of money, especially to those who do not understand why they need auto insurance to begin with. A Calgary auto insurance broker can answer all your queries about the policy and why rates are such. And yet you hesitate because you think they will just talk you into buying insurance you don’t really need. But is it really not important? Can you drive around the city without it?

Yes you can, but your safety and security would always be put at risk. Getting car insurance is important, especially because it is mandated by the law. If it is necessary, should I then get the most basic coverage or should I consider getting the other more expensive ones? The choice is yours. Keep in mind that there is a huge difference between the two.

Why is it important that you get even the most basic car insurance and premiums when they only mean to be add-on costs to your monthly bills? Here are the basic reasons why you should get before it is too late:

First, it is mandated by Calgary law. The number one reason why you should get that car insurance is because the law mandates that you get one. Before a vehicle can be registered in a state, it has to be covered by an insurance policy. It is so because it is one means of reducing the overall impact that an accident might have on property damages, not to mention medical costs too. If you don’t feel like following the law, just imagine how much more you need to pay when you get caught or be involved in an accident without insurance coverage.

Second, apart from following what the rules say, it is important to get your car insured because the likelihood of you getting in an accident is always high. No matter how skilled you are as a driver, the risk will always be there every time you go out into the road. Insurance will make sure that you will have enough funds to pay for the accident and the repairs and services that your car needs. More importantly, your car insurance policy can help you make settlements for those you might have injured during the accident.

Lastly, getting Calgary auto insurance will protect you and your investment. Next to the home we live in, cars are the second most expensive investment one makes. Since you have put hard-earned money into it, you want to make sure that it is protected at all times, right? Because you cannot assure safety at all times, especially when you’re behind the wheel, you need to be prepared for the expenses that come with the repair. If you don’t want to lose even more money paying off car repair debts, make sure you get insurance to cover it.

It is best to talk to a car insurance expert in Calgary to learn more about which insurance policy you should get. They will know how you can keep yourself and your car protected.

Insurance Buying Guide

Tips for Buying Insurance

14 Dec , 2014  

When buying insurance, there are some things you may not know and wish you did. Purchasing insurance can be an overwhelming task with all the options and providers to choose from. Here are a few tips to help you make an informed decision when buying insurance.

We all want to save money when shopping for insurance; however, the cheaper policies are not always your best choice. Insurance policies can vary greatly depending on the premium you pay. For example, if you purchase a state minimum requirement car insurance policy, you likely are not going to have very great coverage. You would be surprised how a few extra dollars towards your premium can dramatically change the quality of your coverage. You may want to save more now by paying a lower premium but end up paying more in the long run if it turns out you aren’t sufficiently covered.

If you’re concerned about paying high insurance premiums, you may want to consider choosing a higher deductible. A higher deductible will lower your premium payment while still allowing you a quality coverage policy. You would pay higher out of pocket costs if you do need to file a claim but still have the coverage you want. You can take the money you save from lower premium costs and put it towards a savings account. That way you have money set aside to pay your deductible if a loss occurs.

Another thing to consider when buying insurance is to take out disaster coverage. For example, you may have hurricane coverage but still not be covered if a flood occurs as a result of the hurricane. Check with the National Flood Insurance Program (NFIP) for flood policy pricing. Make sure you don’t under insure either. Even if your mortgage company only requires you to have coverage at or above your unpaid principle balance, you are better off with a policy that includes guaranteed replacement cost. Stay informed, weigh your options, and be realistic about the coverage you need and you can’t go wrong.

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Common Mistakes of Insurance Buyers

Auto Insurance Mistakes To Avoid

21 Nov , 2014  

Auto insurance is something that most people must have at some point throughout their lifetime, and it’s important not to make mistakes trying to save on your policy. Comparing different companies and rates can help you save, but you have to know what you need before you start shopping. You always want to make sure that you have all of the coverage you need, and you want to avoid the following.

Getting the Bare Minimum
Don’t assume that the bare minimum policy is the best for your automobile, just because the vehicle isn’t brand new. The basic policy may leave out things like theft, natural disasters and more, and then you will have to pay for all of the lost items or damages on your own.

You also may only have to pay a couple of extra dollars a month for tow coverage, which could save you a lot if you end up needing a tow throughout the year. If you would have no form of transportation if something happened to your vehicle, the additional cost for a plan with rental coverage may also be worth the investment.

Choose Unrealistic Deductible
You can save money when you raise the deductible on your auto insurance policy. This is the amount that you have to pay if you make a claim with your insurance provider. If you make the amount too large so you can save a lot of money on your policy, and you can’t afford to pay it when something happens to your vehicle, you will be out of luck.

Letting Insurance Expire
If you are shopping for insurance and you have let your old insurance policy expire, this is a huge mistake. The new insurance provider is going to consider you a high risk applicant who has been driving without coverage, and they may charge you more because you have been reckless. Driving without insurance is also against the law, and you could face criminal charges if something happened.

If you have a lean on your vehicle, there may be a specific amount of insurance that your lender requires you have at all times, and you’ll want to know this amount before you start shopping. There are a lot of benefits to having a high quality auto insurance policy, and you don’t want to find out that you have a mediocre policy by getting into an accident and drowning in bills.

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Insurance Reviews

Review of Top 7 Insurance Products

29 Aug , 2014  

Insurance is almost necessary for survival these days. There are some top insurance products in the market – car insurance, home insurance, life insurance, general liability insurance, retirement, investment and savings insurance, and travel insurance.

Car or Auto Insurance
Basic auto insurance is legally required for all vehicles in the United States by the law of all states. This is the insurance everyone gets. The pros include affordability in basic insurance. However, the biggest con is that basic insurance covers only the minimum requirements. For added coverage, more expensive premiums have to be paid and this reduces the driver’s liability in case of any accidents.

Home Insurance
With homes too, many homeowners get insurance so that they may not have to pay for large damages in their homes. Any accidents that might happen are covered by this insurance. As compared to repairs, the deductible is low and many causes are included. However, the biggest disadvantage is that floods are not covered. The monthly premium is also high because of low deductible.

Life Insurance
Life insurance can be either whole life or term life. Whole life insurance offers lifetime coverage and the premiums are set. However, the price is extremely high and there is utter lack of flexibility. Term life insurance, on the other hand, has low prices, flexibility and guaranteed premiums but conversion options are limited and extended coverage is expensive.

General Liability Insurance
General Liability insurance covers a lot of things like bodily injury coverage, personal and advertising coverage, medical expense claims, liquor liability claims et al. However, the biggest disadvantage for certain businesses is that employee liability is not covered under this insurance. It also costs to get this insurance, plus additional money needs to be spent on getting separate coverage for employees.

Retirement Plans
Retirement plans are ideal for both individuals and companies because they give some insurance about regular earnings even after retirement. The biggest pro is that it comes with tax benefits (for individuals and business). However, the disadvantage is that current income can be hurt and for companies, special administration has to be set up for formulating a plan. Thus, it comes with additional costs.

Investment and Savings Plans
Investment and savings plans like the 529 have tax advantages in most states. These plans also include savings and investment scope even after the reason of the plan is already finished. For instance, in the 529, the contributions continue even after the child is in college. The control is retained by plan owners at all time. The disadvantage is that these plans are inflexible and during withdrawal, some amount of penalty can be levied, depending on the conditions.

Travel Insurance
The biggest advantage of travel insurance is for people who are travelling with a lot of precious belongings and their family. It offers complete peace of mind. However, the disadvantages are – a definite lack of flexibility and the lack of coverage for pre-existing medical conditions, self-induced illness and customs related damage. It also excludes terrorist threats and war outbreaks.

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