In our current economy everyone is scrabbling to tighten up their belts and recover from the meltdown of our financial markets and our personal financial stability. Many of us have found ourselves cutting back on our style of living & getting by economy style as we work at recovering what we have lost.
There are some ways we can help ourselves financially. Consider revisiting all aspects of your financial picture; especially those things we don’t like to shop for. Some inspiration for re-evaluating you financial are:
If you were offered a 5% raise at your job, would you accept it?
If your bank said they want to pay you 4% on your CD instead of 2% would you accept it?
If taking some additional assignments at work could get you a quick promotion; would… Continue reading
Many people believe that if they do not have any tickets, accidents, or claims that their car insurance premium will not go up. This is not true as there are many things that factor into the pricing of a policy. Insurance companies have actuaries whose entire job is to figure out how much money an insurance company will need to pay their expenses, pay their claims, and still remain profitable. This is one reason that it is recommended that individuals get new car insurance quotes at least every three years to make sure that you are still getting the best price for your individual insurance needs.
One of the factors into insurance premiums is what insurance companies call their loss ratio. This is a math equation that figures out how much… Continue reading
There is a number of methods you can use in order to keep those auto insurance rate down. Some of those methods you will be able to use at the same time as you are getting other discounts in order to have greater savings. We understand that you are like all other individuals out there - You want to save money on your automobile insurance and you would like to know the best way to do so. As we write this article, we are going to share some tips that we use in order to keep our rates down.
First of all, it goes without saying that you should have a safe drivers record. Those individuals that do not get speeding tickets, parking tickets or any other ticket will have a… Continue reading
Whether it’s car or home insurance, the sight of your annual premium review letter can induce feelings of apathy, frustration or even panic. Many of us simply renew with the same insurer wrongly assuming that we have little control over the price quoted and believing that because the original premium was competitive, the renewal offer will be too.
In fact, all too often the opposite is true. With a little knowledge of how insurance renewals are priced you can take control of your premiums and actually look forward to saving money next time that renewal letter drops on your mat.
One of the first points to remember is that insurers will commonly offer their best discounts to attract new customers which aren’t repeated at renewal time. In effect, existing customers are subsidising… Continue reading
For some of us planning a trip involves a lot of time, effort and sacrifice. It means cutting back in expenses, saving, and making adjustments just to be able to give ourselves 5 days of pampering at the beach. All this can go down the drain if even the slightest detail goes wrong. This is why the answer to ‘do I need travel insurance?’ is yes
Maybe you have heard, seen or lived some of the following: Canceled flights: you are stranded in the airport losing a vacation that never even started. Missing luggage: you arrive at your hotel with nothing but the clothes on your back your iPod and your passport. That was not your idea of an amazing vacation. Accidents: You decide to rent a car and then get… Continue reading