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.

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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