|March 04, 2013||Best Ways to Identify Trading Opportunities|
|February 22, 2013||A Dreamy Car with an Affordable Insurance Rate? Am I Awake?|
|February 16, 2013||No More Excuses: The Low-Down on Road Rage|
|February 16, 2013||Design a Unique T-Shirt for Your Special Event|
|February 06, 2013||You Can't Eliminate Your Interest Rate But You Can Reduce It|
|February 04, 2013||Should You Refuse Your Company's Health Benefits?|
|December 16, 2012||How skid steers can assist you in your hard jobs|
|December 14, 2012||Advantages of installing solar energy in your house|
|December 14, 2012||The feasibilities of green building costs|
|October 15, 2012||Fender Benders and Insurance|
So many cars, so little time and so much insurance. It seems you find a car you love and can even afford, but the insurance payments burst your bubble and send you back to something more "sensible." According to forbes.com, "...the average price of a new car or light truck in April of 2012 was just a shade over $30k. $30,303 to be exact, which represents a $1200 increase over last year.
Cars are expensive enough and if you ask the insurance companies they'll tell you that's why your rates are so high. But what if you're not buying a Bentley or a Porsche? (Just so you know, most people aren't) If the average car runs between $25,000 to $35,000, why are you paying so much in insurance? Shouldn't your payment be in proportion to the cost of repairing and replacing your car? And since almost everyone is driving a car in that price range shouldn't that bring insurance premiums down?
Insurance premiums are a funny thing. They go up but they rarely comes down. Sure, there are lot of insurance carriers offering money back if you don't get in an accident for a period of time and others are offering to lower your deductible, but no one is offering to lower your premium. Per the birmingham.legalexaminer.com, Allstate's policy creates a financial disincentive for its insured's to report wrecks. In other words, if an Allstate insured rear-ends somebody, and especially if the damage does not appear too great, it doesn't take too big a stretch of the imagination to conclude that the Allstate insured may not be too interested in reporting the wreck to Allstate. After all, he is looking forward to getting 5% of his premium back.While those promotional offers aren't bad they still don't take a dent out of the hundreds of dollars you pay every month to insure a fairly conservative sedan.
Short of buying an old clunker and not carrying comprehensive, the best and probably the only defense you have against high insurance rates is research. Insurance is a highly competitive business and armed with a lower quote from another company, your carrier is bound to match it rather than lose you as a client. Of course, if your carrier can't meet or beat your new quote, take it on the road and see who can do what for you. Most people never review their insurance policy and never shop their policy around which is why insurance companies are getting richer and you're not.
Insurance companies abound and so do their websites. According to agentinsure.com, "According to comScore, an industry leader in quantifying the digital world, the number of competitive insurance carriers and aggregator sites available to consumers via the Internet has grown significantly. In the last quarter of 2010, new sites made up 8 percent of the total number of new auto insurance submitted online . This marks a new trend in how consumers are shopping for online auto insurance rates." A quick search on the Internet will show you just how many insurance companies there are out there all vying for your business. With a little time and energy you're bound to find a lower rate. But don't let a lower premium sway you. You need to compare coverage as well. While it's not at all impossible to match the coverage you're currently getting with a better rate, it's all too easy to fall for the allure of cut-rate insurance without looking closely at the coverage.
These three words may be the most misunderstood words in the insurance lexicon so let's clear them up:
Liability - Liability covers medical bills of you or anyone should you cause an accident. The levels of liability insurance you choose will dictate the amount of medical bills the insurance company is required to pay. Collision - Collision is exactly what it says it is. It pays for the cost of repairs to any vehicle or property you damage. Comprehensive - Comprehensive pays to have your car repaired in case of an accident whether it's with another car, a hit and run or a brick wall.
No one is a perfect driver. We've all failed to use a turn signal, followed to closely behind someone else or even cut someone off when merging. Many of us use are cars for far more than simple driving. We eat, get ready for work, yell at the kids, talk on the phone and even ar-gue with our GPS in the car. Each time we drive distracted, we are at risk for becoming the fo-cus of someone's rage.
What happens when you're having a good driving day and the person in the car in front of you isn't? Do you quietly mutter under your breath at their stupidity? Maybe you are so bold that you scream out of your window and let your finger fly. Road rage is a serious epidemic in Amer-ica; no one is innocent, and no one is immune. It's time that you stop making excuses for your-self and learn the truth about road rage.
Road rage is dangerous for everyone on the road. It's important that you understand just how dangerous it is, and that you take the proper steps to maintain your calm when you slip behind the wheel. For more information on safe driving, visit www.kanetix.ca. By understanding the truth about road rage and the part that you play in the problem, you can become a safer, more courteous driver.
Author Karen Boyarsky is an avid blogger. You can follow her on Twitter @Boyarsky_kareni.
Do you have a special event that's quickly approaching? Whether you're getting ready for a company picnic, a fundraiser or a bachelorette party, personalized t-shirts are a great way to add a bit of fun to the occasion. Here are five unique t-shirt ideas for your next event:
Printed T-shirts offer a wealth of creative looks; you’re only limited by your own imagination. Whether you have a party coming up or will be attending a parade, festival or other community event, try to come up with a catchy tee that will turn everyone’s head.
Amy Nielson writes is an avid blogger. Follow her on twitter @NielsonAmy.
If you're one of those who believe that the chances of refinancing your home are only slightly better than the odds of your winning the lottery, think again. The fact of the matter is that mortgage rates probably haven't been this low in your lifetime.
On January 3rd, foxnews.com reported that the average rates for fixed mortgages came even closer to setting new record lows. This trend has made home-buying and refinancing easier and helped fuel a mild housing recovery. Giant mortgage buyer Freddie Mac said that same week that the average rate on the 30-year mortgage dropped to 3.34 percent from 3.35 percent. That's very close to the 3.31 percent rate that occurred in November, the lowest rate on record going back over 40 years to 1971.
Fifteen-year fixed mortgages were also lower down from 2.65 percent to 2.64 percent with the record being 2.63 percent. Also according to Freddie Mac, the 30-year fixed mortgage rate during 2012 averaged 3.66 percent, the lowest annual average in 65 years. Lower mortgage rates have compelled more home owners to refinance which typically leads to lower fixed expenses and increased spending. Nearly 70 percent of economic activity is driven by consumer spending. All of this means that now is the time to refinance before rates begin to tick up.
Back to interest rates for a moment. There are two ways to look at them. The bad news is that you have to pay interest on the money you borrow. The good news is that it's probably at least partly a tax deduction even with new financing. Mortgage interest and property taxes are deductible from federal and state taxes, as are at least some portion of any points paid to secure a loan to refinance your home. You'll want to get more exact information from your lender or loan broker.
Ask just about anyone and they'll tell you that owning a home is definitely an integral part of what they consider "the American Dream." While there are clearly excellent financial reasons to refinance there are also an equal number of non-financial, purely emotional ones as well: Your newly more affordable home will be yours for less and possibly in less time. Many people who refinance opt for 15- or even 10-year mortgages and get to host a mortgage deed burning party that much sooner.
When you lower your monthly mortgage payments you may also be lowering the amount you can deduct from your taxes each year. According to homebuying.about.com, "When borrowers use the amount in excess of the existing mortgage to buy, build or substantially improve principal residences, meaning year-round dwellings, or second homes such as vacation retreats, their interest payments come under the rules for home acquisition loans. Those rules allow them to deduct the entire interest as long as the excess plus all other home acquisition loans do not exceed $1,000,000, dropping to $500,000 for married couples filing separate returns."
A full recovery for the housing market is still a long way away, but that doesn't mean you should wait on saving money on mortgage payments . Lenders are up to their ears in loan requests and it can take a while to get yours processed and approved.
It's a myth to believe that if an employer offers you health insurance coverage, you have to take it. On the surface, it might seem crazy not to -- after all, the unemployment rate is still around 8 percent, and many people would love to have a job that offers insurance. But you have to look at the details of the policy before you decide if it's a good deal for you and your family. Health insurance costs have gone up 60 percent in the last decade, to the point where a family of four can pay $25,000 a year for health costs alone. The cost of your health insurance premium will depend on your age, your health, and the size of your household. But there are a few variables you have to consider if you're thinking about signing a waiver to refuse your company's health care and striking out on your own for private, individual care. Is the difference between individual and group plans worth it?
Small business owners are able to write off the cost of health insurance premiums, which is why you're much more likely to get reasonable insurance coverage if you don't work for a large corporation, where employees will typically pay more. But the percentage of premiums that employers cover still varies. Some can pay 75 to 80 percent of the coverage. If that's the case, you likely want to stick with your company plan, because you probably won't find anything cheaper than that. Some employers pay about half the cost, in which case it depends on your policy and your individual needs. But there are some employers out there who pay less than 20 percent of costs, or even nothing at all. In that case, you'll be getting thousands of dollars taken out of your check for a health insurance plan you could easily shop around for yourself.
If you have chronic health problems such as a heart condition, cancer, or diabetes, you might have a harder time being approved for private health insurance. Usually, you will be able to find a plan that offers extra coverage for these conditions at a higher premium. Maternity coverage for you or your spouse is another area not automatically covered by private insurance, and you'd have to look for plans where you can add it on if you're thinking of expanding your family. But if you're relatively healthy, especially if you're under 50 and don't smoke, your employer plan can potentially charge you much higher rates than you would be paying elsewhere -- as much as twice the amount. The argument about whether individual or group plans are cheaper mostly depends on you and your needs.
It comes as no surprise that the main drawback to employer insurance besides the potential for unfair costs are the limitations in your network of approved doctors and specialists. If you or someone in your family gets sick, there are hundreds of reasons why you might look for a doctor with expertise that you trust, and your options for finding the right care are severely limited when your insurance will only approve a handful of people. With private insurance, you can shop for many different kinds of plans which will allow you to go outside the network, through companies like Briggs and Butler. PPOs and POS insurance still covers a portion of the cost for out-of-network care, while Fee for Service plans have no network at all. These options are rarely offered by an HMO, which is what most employers use, especially the larger corporations.
Statistically, around 80 percent of workers claim they would like to start their own business someday, but only about 12 percent of those take steps to actually make it happen. What's the number one reason people avoid becoming self-employed? Fear of losing their health benefits. Even if you launch a successful career as an entrepreneur, there is still a nagging fear that you won't be able to afford the cost of someone in your family getting sick. But if you're already in-vesting in private health insurance, your coverage won't change when your career does. If you get laid off from your job for any reason, or you change jobs, you won't automatically lose coverage, and you can keep your current doctor. Many people prefer having a policy that goes where they do, especially in today's market.
Most people believe that individual plans for health insurance are always more expensive than employer plans, but this is not necessarily true. So before you sign up for your company's health insurance, do a little shopping to find out your options. Your health and the health of your bank account don't have to be mutually exclusive.
Skid steers are small tractors which are highly durable and adaptable in nature. Such work horses reduce the labor and effort required to complete difficult tasks and save time on a particular job. Among others, there are 5 basic uses of skid steers, because of which it is the most preferred tool to complete hard tasks quickly and easily.
One of the most widely uses of such tractors is shoveling the snow during winters. People generally avoid scooping the snow in a cold weather, however, with this tiny equipment you can remove the snow in no time and with much less effort compared with the traditional method. Such tractors are equipped with pusher attachments, blade and blower which make your snow moving job a piece of cake. You can easily crush the snow and get it out of your way without much effort. Thus, with this modern tool you do not have to worry about keeping your yard or driveway snow-free during winter.
If you own horses and is responsible to look after them, it is not a difficult task when you are using a skid steer. Few products can help you complete this task along with skid steers. Such products include spears, forks and buckets that are used to remove the hay and clean-up the corals in an easy way. Using the tools will help you clean all the manure of the horse without much labor and properly organize the feed and hay.
Weeds, present in your yard can be removed easily by using this equipment. Cleaning up the weed that mess up the yard has turned out to be very easy by using this modern tool. All you need to do is lower the bucket a bit and plow forward. This tool can make your yard dirt-free by raking the surface in a quick span of time.
Big construction jobs that ask for huge labor are greatly helped by using these tractors. Attachments fixed in the machine help to complete most of the construction jobs easily and thereby enhance the rate of production.
Skid steers are best for most of the hard jobs in daily life. If you want to avoid huge labor and complete your task in no time, skid steer is the tool for you. The above mentioned points will throw light on this aspect and make you understand the essence of such tractors.
If you are thinking of alternating your sources of power, you must give a thought about solar energy. Solar energy is a useful resource that uses the energy of the sun to provide electricity as well as contribute to the environmental factors.
Right from the ancient era, the power of solar energy have been tried to harness for the better and efficient use of mankind. The present approach to do so is by the use of solar panels. This radiant form of energy is increasingly being used up by people as one of the best alternatives sources of power. Const-effectiveness and reliability add to the overall credentials of solar energy. However, to get a thorough knowledge about solar energy, one must be aware of its application and various benefits.
Advantages of Solar Energy
Homeowners using general electricity have to experience a number of uncertain situations, only because the local power supply is terminated due to some reasons. People have generally given up on them. However, with solar energy, you will not have to face such a problem. Such problems cease to exist in case of solar power. With the rising of the sun every morning, solar power can be considered very efficient and consistent. With the help of power solar panel, even in a cloudy day your house can be lighted with adequate electricity.
As compared to other power sources, Solar Energy is considered to the most environmental friendly. It is generally considered very painful and dangerous to live by or work in an area which is severely contaminated by power production plants. Not only solar energy is environmental friendly this form of energy is noise-free and operates silently. Because of this reason, it is highly preferred among the home owners since they do not have to worry for any kind of environmental risk.
Solar power system is the perfect solution and the ideal answer for your increasing monthly bills. For this purpose, an efficient solar panel with mandatory equipment is required to turn the sun light into power. It is natural and completely free and not charge or expenses are incurred on its usage.
Solar energy is the best alternative to electricity. By using it on a regular sense, you can not only contribute to the well-being of the environment but also save huge amounts of money.
The construction sector is one of the biggest users of the resources of any nation. Almost 70% of the resources of a country are used up by the construction industry along with water and various other natural assets. In order to provide critical services to building occupants, the construction sector efforts to offer its consumers their exact need, thereby releasing toxic emissions and harmful by-products. As an attempt to control the waste disposal and environmental pollution, and curb the Building costs, green building is generally encouraged among housing contractors.
According to construction experts, the building costs of environment friendly homes are less. With enhanced and improved green product innovations, construction companies have come up with newest methods to benefit their customers and reduce the building costs. Maintaining a green building has its own set of benefits. Apart from reduction in building costs and maintenance, green building can benefit people in a number of ways including:
Low maintenance costs
To incorporate green building, sustainable and durable systems should be used that promises longevity of the structure. Non-toxic along with resistant protective coating will not only make the home more green efficient, and reduce the building costs but also will enhance the thermal systems. Enhanced and improved thermal systems will contribute to better ventilation and air circulation.
Occupants and employees who spend most of their time indoors are subjected to better and more comfortable environs. Green housing promotes to better health and augments the sense of well-beings which in turn triggers the productivity level to a great extent.
Being inside a green housing facility has a number of health benefits to look up to. Any occupant residing inside such a facility experiences lesser harmful effects of toxic emissions and pollution levels. This contributes to better health of an individual. Green house that emit cleaner air can also benefit the construction workers. Due to impurity-free air, workers are not subjected to any pollution related disease which can increase the health care costs and doctors bill, and takes a toll on individual finances.
Reduced energy costs
Green building leads to natural lighting and better heat circulation inside the facility. This eventually gives rise to low gas consumption and electricity. Thus it not only promotes savings, but also encourages use or renewable power sources to minimize energy expenses.
Green building is the first step towards better and healthy living. The above mentioned points are just a short glimpse of the benefits of using green building on individual life and environment.
For many drivers, the dreaded fender bender has happened at least once. It’s always at the worst time, when you are running late to work or in heavy traffic. When the accident happens, usually one of the first thoughts that come to mind is car insurance and how that split second mistake is going to increase your rate. There are a few factors that impact how the insurance company will access your rate after the accident including severity, fault and driving history.
The biggest mistake people make is not reporting the accident. If the police are called or if the other driver decides to report, it becomes a matter of public record and your insurance company will find out. So, do the right thing and report it. When you file the report the company will look at the severity of the accident. Depending on the damage, this can have an effect on your rate. A cracked windshield will cost far less to replace then and entire rear bumper. The company will also take a look at your driving history. If you have had a clean record for fifteen years, they will probably take that into consideration.
They also look at your loyalty to the company and how long you have been a member. Different policies have different incentives for those who have been loyal; this is why it’s important to know your policy before you find yourself on the side of the road. Also, shop around! Some offer accident forgiveness, which allows for so many minor accidents without being penalized. The insurance companies will also consider who’s to blame. If you are responsible for the accident then expect an increase. However, if you are not to blame, you may not see an increase at all. This especially comes into play when an impaired driver is a culprit of the accident.
No one likes fender benders, but having a car comes with that risk, Fortunately nowadays you have a lot of choices out there for car insurance and can chose to work with.