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Stay On Top of Home Insurance Costs With These Tips

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The home is perhaps one of the most important material possessions any person can ever have. To many, the home is where one can be safe and secure. Where one can retreat from their daily activities of work and play into a place where they can be perfectly comfortable and at ease. The home also keeps its residents within safely protected from the elements, so it’s no wonder why a lot of people actually put a lot of money into making sure that their home is covered through home insurance.

 

Any homeowner who values their property eventually comes around to checking out home insurance. It is of course, the logical step to wanting to keep your property safe.  Insurance  may be a rather costly matter, however, and of course everyone would prefer to get the most out of their homeowners insurance rates. Which is why we’ve put together this list of things you can do  to stay on top of your home insurance costs.

 

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Image via Everything Simple

 

 

Exhaust All Your Options

This is rather tedious, but could save you the most money. Ask around for the best insurance rates and list down all your options. Ask your friends, family, and co-workers  for home insurance experience, and check out consumer reviews.

 

Sync Your Insurance Policies

Try to get the same company for most – if not all – of your insurance policies.  Not only will this be more convenient to manage, but most companies would also give discounts this way.

 

Build A Sturdier Home

Ask your potential insurance company about what you can do to make your home more secure and disaster resistant as these minor additions may help lower your premiums.

 

Keep Your Credit Record Up

Maintaining a healthy credit record can also help lower your insurance costs. To do this, make sure you always pay your bills on time and to try and keep your credit balance as low as possible to help you out with your home insurance claims.

 

Loyalty Counts

Most insurance companies also reward their loyal customers by providing discounts based on how long you’ve had them as your insurance provider.

 

About The Author

Franco is a professional blogger that writes on a variety of topics including home insurance.

Guide to Choosing a Travel Loan

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World-travel
(Photo credit: Wikipedia)

If you love to travel and have a destination in mind but not the cash, there are financial institutions that are willing to extend you the amount of money that can make a visit to your dream destinations possible. They will allow you to take a loan you are fronted some cash up-front and then you pay it at an agreed interest rate over a fixed period of time. Here is how you choose the best travel loans.

 

  • See how much you need for the trip, including travel. You may do a budget and find that you do not need that much. It you dont, you may want to use your credit card for your travel expenses as it has lower interest rates. [Read more…]

Tips That Will Save You Money

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Money is not easy to come by these days. Wherever we look, prices are getting more expensive, companies are closing down and more people are losing their jobs. But you know, improving your financial situation isn’t really that hard. To help you in your penny-pinching efforts, here are some easy tricks to saving money.

Trick #1: Cook your own food

Eating out costs around AU$20 or more, but cooking your own meals would be worth roughly AU$65 to AU$75 per week. And for that amount, your groceries will have more variety than whatever other fast-food place would give you.

Trick #2: Make a shopping list and follow it strictly

Many of our expensive purchases come from impulse buys, and these accumulate over time. So before you go shopping, prepare a list of the things you need and follow it strictly. [Read more…]

The Different Types of Personal Loans

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A personal loan is a type of debt, usually provided by the bank or a financial service provider, which the borrower agrees to pay back with interest over a predetermined period of time. There are many variants of a personal loan, but they all fall into two categories secured and unsecured. Discussed below are the main differences between the two types of loans.

Secured Personal Loan

A secured personal loan is one that is tied to any of your properties. You will have to offer an asset that you own as collateral to get approved of the loan. The amount that you will be allowed to borrow will be based on the appraised value of that particular asset. The only disadvantage of this type of loan is that, should you default on a payment, that bank will be legally obliged to sell the collateral and use the proceeds to settle your outstanding balance. On the other hand, a secured personal loan is a better choice than an unsecured personal loan due to the following reasons [Read more…]

Debit Card vs Credit Card

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Debit Card

Gone are the days where we pay for small or big things in cash. Though we do carry a couple of bucks in our wallet, we have to admit that in most payments, we use these magic cards we’ve come to know as the debit and credit card. Although these two can be interchangeably used, they actually have striking differences.

Basically your debit card is directly connected or linked to your bank account. When you use your debit card to withdraw cash or pay for purchases, the amount is automatically deducted from your account. [Read more…]

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