Insurance http://www.wisebread.com/taxonomy/term/3150/all en-US 5 Vital Things to Remember When Buying Health Insurance http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-vital-things-to-remember-when-buying-health-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/doctor_and_patient.jpg" alt="hospital patient" title="hospital patient" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Thanks to the <a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Affordable Care Act</a> (or &quot;Obamacare&quot;), now every individual has access to affordable health insurance. All new health care plans include 10 <a href="http://obamacarefacts.com/essential-health-benefits/">Essential Health Benefits</a>, but there are other important factors to consider when choosing a plan. Here are the top five.</p> <h2>1. HMO or PPO?</h2> <p>There are generally greater limitations when selecting an HMO, but plan premiums are typically lower due to these very restrictions &mdash; such as being required to obtain a referral from your primary care physician (PCP) before receiving any health care services other than emergency.</p> <p>Conversely, PPOs typically carry higher premiums. But, they allow more physicians to participate in the network, offer a larger number of in-network hospitals and clinics, and most likely will not require a PCP referral before you can receive services. Generally speaking, PPO plans are better-suited for people with more regular or intensive medical needs, whole HMOs are best for persons who limit their use of health care services.</p> <h2>2. Networks</h2> <p>Your insurance provider can specify in-network, out-of-network, and preferred networks for the services you receive. You should check to see which services are covered within your network, and if there are any out-of-pocket costs for going outside of it. It can mean a difference of thousands of dollars.</p> <h2>3. Deductibles and Co-Pays</h2> <p>Paying a higher deductible brings down the cost of your monthly premium. But there are other benefits: High-deductible plans can also be combined with health saving accounts (HSAs), which are medical savings accounts that allow you to pay for deductibles, premiums, prescriptions, medical supplies, and other qualifying health expenses using pre-tax dollars.</p> <p>To save on insurance costs, check your plan's copay for routine office visits and prescription drugs. If you think you'll use these services regularly, make sure the plan offers a reasonable copay. Or, consider signing up for an HSA to help defray the cost.</p> <h2>4. Drug Benefits</h2> <p>Most insurance providers retain the right to only cover generic or less expensive prescription drugs when available, and require you to visit a pharmacy within your network. Read through the provider's drug benefits to make sure your desired level of prescriptions are covered.</p> <h2>5. Short-Term Coverage</h2> <p>Short-term plans provide coverage from 30 days up to one year. Use this type of plan only if you are in between plan options. Keep in mind that short-term coverage does not meet the ACA's essential coverage requirement, and as such, is still subject to penalties. In other words, these plans are <em>not </em>protected under ACA. You can be denied coverage, denied due to pre-existing conditions, and cancelled at any time.</p> <p><em>What factors do you consider when shopping for health insurance?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds">8 Ways to Spend Your Last-Minute Health Care FSA Funds</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-examine-your-healthcare-plan-and-save">How to Examine Your Healthcare Plan and Save</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-fall-for-these-common-obamacare-scams">Don&#039;t Fall for These Common Obamacare Scams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance affordable care act health care HMO obamacare PPO Wed, 18 Mar 2015 13:00:03 +0000 Qiana Chavaia 1345719 at http://www.wisebread.com 8 Ways to Spend Your Last-Minute Health Care FSA Funds http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-spend-your-last-minute-health-care-fsa-funds" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/doctor_mother_daughter_000027794734.jpg" alt="Doctor with mother and daughter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Don't lose the money in your <a href="http://www.healthcare.gov/glossary/flexible-spending-account-FSA/">Flexible Spending Account</a>! The initial cut-off was December 31, 2014, but if your employer grants the optional rollover to the next year, your new deadline to use it or lose it is March 15, 2015. (One exception is if your plan's extension includes the $500 carry-over option &mdash; you can use those funds anytime throughout the year.) (See also: <a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new?ref=seealso">Signing Up for Obamacare in 2015? Here's What's New</a>)</p> <p>Your FSA can be used for several qualified purchases. Here are eight awesome last-minute ways to spend the money in your FSA before you lose it.</p> <h2>1. Baby Supplies</h2> <p>The cost of raising infants is high, but a portion of those costs can be offset using your pre-tax FSA money. Diapers, thermometers, cold medications, and other essential baby care products are FSA eligible. Also see below for dependent care expenses.</p> <h2>2. Household Medical Supplies</h2> <p>Stock up on household medical supplies. Things that you normally would not consider buying with your FSA do qualify as medical supplies, like sunscreen, contact lenses, allergy medications, first-aid kits, and more. The <a href="https://fsastore.com/">FSA Store</a> has a large selection of FSA-eligible products.</p> <h2>3. Annual Exams and Check-Ups</h2> <p>Remember, co-pays and deductibles for those last-minute doctor visits qualify. So, schedule routine eye exams, physicals, and annual check-ups for you and covered members of your family.</p> <h2>4. Prescription Medications and Vitamins</h2> <p>Re-stock any prescription medications now that you will need later in the year. Preventive vitamin supplements and digestive care are also considered medical supplies.</p> <h2>5. Dependent Care</h2> <p>Some FSA plans cover dependent or child care &mdash; and for those with costly childcare and dependent care expenses, this is a great way to spend your FSA in one shot. Daycare, after school programs, nannies, and adult care all are qualified FSA expenses. Check with your plan to determine coverage.</p> <h2>6. Family Planning</h2> <p>Whether you are planning for a child (or just the opposite), many family planning items, like condoms, fertility kits, and fertility treatments are all FSA eligible.</p> <h2>7. Supplies You Might Not Expect</h2> <p>Many medical supplies you might not expect including batteries, Dr. Scholl's foot inserts, nicotine patches, ice packs, and body creams and lotions qualify for FSA eligibility.</p> <h2>8. Commuter Costs</h2> <p>Commuter costs are eligible, so don't forget to submit receipts for transportation and parking to and from health care service providers and pharmacies. The reimbursement also applies to dependent care providers.</p> <p><em>Do you have unused FSA funds? How will you use them before the deadline?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-fall-for-these-common-obamacare-scams">Don&#039;t Fall for These Common Obamacare Scams</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-types-of-health-insurance-plans">The Types of Health Insurance Plans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance fsa account health care health insurance obamacare Thu, 05 Mar 2015 18:00:07 +0000 Qiana Chavaia 1320723 at http://www.wisebread.com Going Without Health Insurance in 2015? Here's What It'll Cost You http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/going-without-health-insurance-in-2015-heres-what-itll-cost-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/healthcare-stethoscope-money-Dollarphotoclub_64769213.jpg" alt="stethoscope money" title="stethoscope money" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The ACA. Obamacare. The Affordable Care Act. Whatever you call it, your finances will almost certainly be affected by it, especially if you choose <em>not</em> to be covered by an approved plan in 2015. While many taxpayers are just now starting to feel the pinch of opting out in 2014, the penalties for this year are much stiffer.&nbsp;</p> <p>Here's what you need to know</p> <h2>How Much Are the Fines?</h2> <p>Straight from the <a href="https://www.healthcare.gov/fees-exemptions/fee-for-not-being-covered/">Healthcare.gov website</a>, the penalty or &quot;tax&quot; for 2015 is either:</p> <ul> <li>2% of your yearly household income over the tax filing threshold (usually anything over $10,000 for an individual); or<br /> &nbsp;</li> <li>$235 per adult and $162.50 for each child under 18.</li> </ul> <p>The government wants you to pay the higher of the two amounts, but the maximum for option one can't exceed the &quot;national average premium for a bronze plan.&quot; Just what is that number? For 2014, the average was $204 per person per month or $1020 per month for a family of five or more. The national average for 2015 won't be known until the end of 2015, but the <a href="http://www.washingtontimes.com/news/2014/oct/18/obamacare-bronze-plan-premiums-expected-jump-14-20/">Washington Times states</a> it could go up by as much as 14% in some parts of the country.</p> <p>The maximum for option two can't exceed $975.</p> <h2>How Are the Fines Paid?</h2> <p>Since the health care law is enforced strictly through the IRS, it's quite simply a &quot;tax&quot; thing. If you don't make enough to file (under $10,000 in most cases), you wouldn't pay a fine, anyway. If you do file, you'll have a place to indicate your penalty on your return, and that amount will come off your refund (or you'll have to pay in, like any other tax owed). All major tax filing software services have been updated accordingly to help you fill out the right forms and make paying the fine just a part of the tax process.</p> <h2>Can I Get Out of the Fine?</h2> <p>In a word: yes. But it may take some work. People covered by an ACA or another plan that is considered &quot;minimum essential coverage&quot; don't have to pay.</p> <p>Others are exempt from fine if they had coverage for more than nine months of the year, are a member of a federally recognized tribe, have coverage through a health care sharing ministry, or have religious objections to insurance (including Medicare and Social Security). You can also avoid fines if you are in jail during most of the year or aren't in the U.S. lawfully or face certain financial hardships.</p> <h2>What If I Can't Afford Insurance or the Fine?</h2> <p>If the lowest-priced coverage would cost more than 8% of your household income, you can get an exemption. Additional <a href="https://www.healthcare.gov/fees-exemptions/hardship-exemptions/">examples of hardship</a> that may qualify for an exemption include:</p> <p>1. Being homeless;<br /> 2. Eviction or foreclosure;<br /> 3. Facing shut-off from your utility company;<br /> 4. Experiencing domestic violence;<br /> 5. Experience the death of a family member;<br /> 6. Suffering substantial loss due to a fire, flood, or other natural or human-caused disaster;<br /> 7. Filing for bankruptcy;<br /> 8. Being unable to pay medical expenses that resulted in substantial debt;<br /> 9. Experiencing increases in necessary expenses due to caring for an ill, disabled, or aging family member.</p> <p>There are also exemptions that can be granted due to changes in your state's Medicaid and CHIP programs, cancellation of your individual policy, and your difficulty in getting insurance.</p> <p>Note that all of these require you to fill out an application that can take weeks or months to approve. In the meantime, if you fail to get covered and your application is denied, you will still be held liable for any penalties earned during that time. It's is also suggested that you don't wait until the end of 2015 to apply for the exemption if you have proof of hardship now.</p> <h2>Should I Ever Choose to Pay the Fine?</h2> <p>That's really a personal decision, but I will say that there have been instances where you may owe less by simply paying fines. If you are a healthy adult that can get approved for a traditional pre-ACA plan without pre-existing conditions, you may be eligible for a short-term plan. These plans don't offer some of the benefits required by Obamacare, including maternity coverage or certain free preventative services. They are, however, more in line with pre-ACA pricing for premiums, and many have much lower deductibles and premiums than the subsidized plans offered on the exchange. These plans are good for 3-12 months and make you subject to ACA fines, but may still cost less after fines than better plans on the exchange.</p> <p>All of this will change again in 2016, with another increase in fines, so you'll need to stay abreast of developments. With open enrollment ending soon, however, whatever choice you make should be done without delay.</p> <p><em>Will you get insurance or pay the fine this year?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-fall-for-these-common-obamacare-scams">Don&#039;t Fall for These Common Obamacare Scams</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds">8 Ways to Spend Your Last-Minute Health Care FSA Funds</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-advantage-of-obamacare-for-less-financial-risk-and-more-freedom">How to Take Advantage of Obamacare for Less Financial Risk and More Freedom</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance ACA health care health insurance insurance IRS obamacare taxes Tue, 03 Feb 2015 14:00:07 +0000 Linsey Knerl 1284842 at http://www.wisebread.com Signing Up for Obamacare in 2015? Here's What's New http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/signing-up-for-obamacare-in-2015-heres-whats-new" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/doctor-nurse-patient-tablet-Dollarphotoclub_65772639.jpg" alt="doctor patient tablet" title="doctor patient tablet" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>On March 23, 2010, President Obama signed ACA into law, enabling all Americans to obtain health insurance via the online marketplaces. Although Americans have had access to Obamacare for a little over a year now, some provisions of the law will change for 2015.</p> <p>If you're planning on buying health insurance this year, here's what's new.</p> <h2>Here's What You Need to Know for 2015</h2> <h3>Open Enrollment Ends February 15</h3> <p>Anyone without health coverage can sign-up during the open enrollment period, which runs November 15, 2014 through February 15, 2015. If you miss open enrollment, you may qualify under the special circumstances period, which grants individuals and families 60-days from a status change, such as birth, marriage, or loss of insurance to apply for coverage.</p> <h3>New Contribution Limits</h3> <p>FSA contribution limits have been raised by $50 for individuals to $2,550. Also, the &quot;Use It or Lose It&quot; rule has now been amended &mdash; in many cases, you can now carry-over up to $500 of your FSA balance into the following year. However, carry-over funds are only extended for use through March 15th of the following year.</p> <p>HSA contribution limits have been increased by $50 for individuals to $3,350, and up $100 for families to $6,650.</p> <h3>Out of Pocket Cost Caps</h3> <p>Maximum out-of-pocket costs are now $6,600 for individuals and $13,200 for families. This is the most you can be accountable for during a coverage year before your provider must cover 100% of medical expenses. This includes deductibles, co-payments, qualified premiums, and other qualified health related expenses.</p> <h3>Employer Mandate Kicks In</h3> <p>As of 2015, the Employer Mandate kicks in. All employers with 100 or more full-time employees must provide a company health plan. Employers with 50-100 employees have until 2016 to implement these changes.</p> <h2>Understanding the Patient's Bill of Rights</h2> <p>As always, it's important to remember that the benefits of the ACA are for all Americans covered by health insurance &mdash; not just those who purchased theirs via the government-run marketplaces. Under this &quot;Patient's Bill of Rights,&quot; you are entitled to some benefits.</p> <ul> <li>You qualify for health coverage regardless if you have a pre-existing condition.<br /> &nbsp;</li> <li>You can no longer be denied coverage for a mistake on your application.<br /> &nbsp;</li> <li>You now have access to out-of-network emergency care (without penalty). <br /> &nbsp;</li> <li>You now have the power to choose any physician or pediatrician of choice within your network, and you no longer need a referral for OB-GYN services.<br /> &nbsp;</li> <li>Those receiving Medicare get a 50% discount on brand-name drugs.<br /> &nbsp;</li> <li>You can stay on a parent's health plan until the age of 26. <br /> &nbsp;</li> <li>Insurance companies can no longer use annual and lifetime dollar limits of benefits.<br /> &nbsp;</li> <li>Most plans have to provide free preventive care services, including certain immunizations and screenings for things like women's services, blood pressure, diabetes, depression, HIV, and more. <br /> &nbsp;</li> <li>Insurance companies cannot increase your rate in excess of 10% without public disclosure.</li> </ul> <p>But remember: The ACA mandates that every individual must have health insurance, or face a penalty. Those not in compliance with the law will face significant fees. The fee for 2015 increased and is the greater of: $325 per year for individuals and $162.50 a year per child, or 2% of your annual income. So if you don't yet have health insurance, consider taking advantage of the ACA's benefits and sign up before open enrollment ends February 15th.</p> <p><em>Will you be signing up for health insurance this year via an ACA exchange?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-spend-your-last-minute-health-care-fsa-funds">8 Ways to Spend Your Last-Minute Health Care FSA Funds</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-fall-for-these-common-obamacare-scams">Don&#039;t Fall for These Common Obamacare Scams</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/understanding-the-affordable-care-acts-health-insurance-exchange">Understanding the Affordable Care Act&#039;s Health Insurance Exchange</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance ACA health care health insurance obamacare Thu, 15 Jan 2015 14:00:08 +0000 Qiana Chavaia 1279973 at http://www.wisebread.com You Need an Inventory of Your Stuff (and It's Easier Than You Think) http://www.wisebread.com/you-need-an-inventory-of-your-stuff-and-its-easier-than-you-think <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/you-need-an-inventory-of-your-stuff-and-its-easier-than-you-think" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-cardboard-boxes-laptop-Dollarphotoclub_48423199.jpg" alt="man cardboard boxes laptop" title="man cardboard boxes laptop" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Take this quick quiz:</p> <ul> <li>What is the serial number of your computer?<br /> &nbsp;</li> <li>How much did you pay for your gaming console?<br /> &nbsp;</li> <li>What is the dollar value of your record collection?<br /> &nbsp;</li> <li>What is the make and model of your flat screen television?<br /> &nbsp;</li> <li>How many tools are in your garage?<br /> &nbsp;</li> <li>How many of these questions can you answer off the top of your head?</li> </ul> <p>Now imagine your house has burned to the ground with all your belongings inside of it. During this crisis, would you be able to successfully come up with this kind of information for every possession you own? Could you do that off the top of your head?</p> <p>An up-to-date home inventory list should be part of everyone's emergency kit. Not only will it help you resolve insurance claims in your favor by substantiating lost, stolen, or damaged possessions, but it will ensure that you have purchased enough insurance in the first place to replace your belongings. (If you own a vintage house or a lot of collectibles, it's important that you consider buying <a href="http://learningcenter.statefarm.com/insurance/home/replacement-cost-vs-market-value/">replacement cost insurance</a>&nbsp;versus&nbsp;market value insurance). (See also: <a href="http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance?ref=seealso">8 Surprising Things Covered by Homeowners Insurance</a>)</p> <p>There are a number of ways to inventory your belongings. Don't make this harder than it should be. Chose the method you are most likely to do.</p> <h2>Make a List and Check It Twice</h2> <p>You can be old school and use pen and paper or an <a href="http://office.microsoft.com/en-us/templates/home-contents-inventory-list-TC006090426.aspx">Excel</a> <a href="http://www.vertex42.com/ExcelTemplates/inventory-spreadsheet.html">spreadsheet</a> to record and describe each of your possessions. The description of each object should include the make and model number, when and where it was purchased, price paid, and its current condition. Or you can use an app such as <a href="https://itunes.apple.com/us/app/inventoryd/id588651470?mt=8">Inventory'd</a> or <a href="https://itunes.apple.com/us/app/iii-inventory/id475840890?mt=8">III Inventory</a> to photograph and organize your list of belongings.</p> <h2>Gather Evidence to Support Your Claim</h2> <p>Keep all receipts for expensive items. These should be part of your inventory.</p> <h2>Visual Aids Are Your Friend</h2> <p>Regardless of how you choose to create your inventory, I recommend that you also take photographs, at least of your big ticket items such as consumer electronics, collectibles, and furniture. Valuable items such as your computer and jewelry might require a separate insurance policy. Double check with your insurance company what items fall outside your general homeowners insurance policy.</p> <h2>Protect Your Dragon's Hoard</h2> <p>For jewelry, I take a tip from my jeweler and make full size color copies or scans of my jewelry pieces. In the event of theft, this will make it easier for the police, pawn brokers, and others to correctly identify my stolen baubles.</p> <h2>Make a Movie</h2> <p>If you have access to a video camera, you can also create a video tour of your home and all its contents. Pretend you're on MTV Cribs and give a running commentary on where you bought everything in your home and how much you paid for it. Shoot close ups of small items and read out serial numbers. Don't forget to mention fancy ceiling lamps, fireplaces, and other fixtures.</p> <h2>Be Thorough</h2> <p>Don't be daunted by this task! If you have a house that is packed full of stuff, it might be easier to inventory <a href="http://www.squawkfox.com/wp-content/uploads/2008/10/printable_home_inventory_worksheet.pdf">room by room</a> as opposed to itemizing things <a href="http://www.dfs.ny.gov/consumer/homeown/home_invchklst.pdf">by type</a>. Start at the door of each room and work from top to bottom, clockwise around the space. Don't forget to itemize the contents of drawers and closets!</p> <h2>Store Your Inventory Off-Site</h2> <p>Once you've created an inventory list, make sure to keep a copy in a safe place outside of your home, like in a safe deposit box at your bank or at the home of a trusted friend. If your house is destroyed by a tornado, you don't want the only copy of your inventory list to be lost in the rubble.</p> <p>The copy can be photocopies of your original information, or a digital version that is stored on discs or a thumb drive.</p> <p>If you plan on storing a copy of your inventory online in cloud storage, make sure that your information is protected from thieves, who use the Internet to window shop for future victims. Double-check your security settings, create a strong password, and use third-party authentication tools. If you go this route and don't have a photographic memory, remember to make a hard copy of your password, user name, and site-key codes and store that information off-site.</p> <h2>Yes, It's Worth It</h2> <p>I will be the first to admit it: Inventorying the contents of your home is a tedious and sucky job. It's a lot of work spent in advance of a disaster that may never strike. So, what's the point?</p> <p>Creating an inventory is like having catastrophic insurance. It's something that no one wants to spend time and money on until disaster strikes. Then it's the best thing ever. If your house gets robbed, wouldn't you like to give yourself every chance of recovering your stolen treasures?</p> <p>In addition to saving your bacon, or, at least properly ensuring your bacon in the event of loss or damage, an inventory has two fantastic side benefits: as back-up evidence for tax deductions and as a decluttering tool.</p> <h3>Win a Fight With the IRS</h3> <p>Every year at tax time I have no problem calculating the depreciation of my office equipment and assessing the resale value of goods I donate to charity. Because I did all the heavy organizational lifting for my home inventory list, I know exactly what needs to be deducted from my taxes and where to find the related receipts if the IRS comes knocking.</p> <h3>Inventory Your Home as the First Step in Decluttering</h3> <p>One of the most powerful organizational tools you can give yourself is an inventory list. Have you watched that beautiful nightmare that is the show Hoarders? Then, you know what I'm talking about. Documenting and touching every single material possession you own gives a detailed picture of your consumerism. Most people who do a full house inventory for insurance reasons, discover that their home is full of things they don't want or need.</p> <p>Don't try to declutter while you are doing the inventory. That kind of mission creep will lead to chaos. Make your inventory list first. You can go back through your home, room by room, drawer by drawer at your convenience.</p> <p>Be sure to update your inventory list periodically. When you bring new things into your home be sure to add them to your inventory list. When you donate or sell goods, remove them.</p> <p><em>Have you created an inventory of your stuff? How'd you do it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/max-wong">Max Wong</a> of <a href="http://www.wisebread.com/you-need-an-inventory-of-your-stuff-and-its-easier-than-you-think">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-let-your-bank-pick-your-homeowners-insurance">Don&#039;t Let Your Bank Pick Your Homeowner&#039;s Insurance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-surprising-facts-about-flooding-and-your-home">10 Surprising Facts About Flooding and Your Home</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/rebuilding-after-a-disaster-create-a-home-inventory-now">Rebuilding After A Disaster: Create A Home Inventory Now</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-questions-to-ask-yourself-to-help-you-declutter">8 Questions to Ask Yourself to Help You Declutter</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-ways-to-count-and-cash-in-your-change">Best Ways to Count (and Cash in) Your Change</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance Organization homeowners insurance inventory possessions Mon, 05 Jan 2015 12:00:08 +0000 Max Wong 1275171 at http://www.wisebread.com Not Insuring These 6 Things Could Bankrupt You http://www.wisebread.com/not-insuring-these-6-things-could-bankrupt-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/not-insuring-these-6-things-could-bankrupt-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-budget-468144843-small.jpg" alt="couple budget" title="couple budget" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting ahead financially isn't easy. It requires hard work and persistence. So why risk years or even decades of hard work and sacrifice only to lose everything in one unfortunate, very costly event? (See also: <a href="http://www.wisebread.com/marketing-life-insurance-and-behavioral-psychology?ref=seealso">Marketing, Life Insurance, and Behavioral Psychology</a>)</p> <p>&quot;It won't happen to me,&quot; you say? I felt the same way years ago. But life happens. However unfair it may be, over time we all see some of our friends and family members face difficult challenges or even catastrophes. (I'll include a few examples of my own below.) As much as we hope to avoid them, we just can't predict or control all events. But we can at least hedge some of these risks by insuring against them.</p> <h2>What Should I Insure?</h2> <p>Insurance is for the big things. It's to protect you from major events that would cost you more than you can pay for from your short-term financial reserves. In other words, its purpose is to help shield you from serious and potentially devastating financial setbacks.</p> <h2>What Shouldn't I Insure?</h2> <p>As a rule, then, insurance is not for smaller financial risks or expenses you could absorb and pay for in the short term. This is where we often make a mistake &mdash; purchasing insurance or service contracts for goods and services that cost hundreds of dollars or less.</p> <p>Is that to say that you should never consider taking insurance on a cell phone or a computer printer, for example? Maybe not, but be aware of the cumulative opportunity cost of those expenditures. That money could have been used to help you get ahead financially, by paying off an outstanding debt for example. Also, remember that companies that encourage you to buy their service contracts and warranties often make more profit on the warranties than on the actual product or service being insured.</p> <p>So, what are the big things requiring insurance? And what types of insurance can protect you from being wiped out financially? Here are six that cover most if not all of the bases.</p> <h2>1. Health Insurance</h2> <p>By far, the number one cause of bankruptcy in the United States is unpaid medical bills. A <a href="http://finance.yahoo.com/news/pf_article_109143.html">study done at Harvard University</a> identifies medical expenses as a leading cause of 62% of all personal bankruptcies.</p> <p>Even the shortest of hospital visits now costs thousands of dollars. Just a few months ago one of our sons experienced sudden stomach pains, requiring a trip to the emergency room. After a number of tests (isolating the problem as an intestinal disorder) and some antibiotics he was released four or five hours later. The bill? Over $20,000. Thankfully our insurance covered most of the bill and his subsequent treatments. But it's easy to see how a single serious injury or disease, if not adequately covered by health insurance, could deplete your entire savings.</p> <p>And even if you have health insurance, the ever-rising deductibles (sometimes $5,000 or more) can tip you over a financial cliff if they exhaust your short term funds and force you to delay credit card, vehicle, mortgage, and other payments in an attempt to recover.</p> <h2>2. Life Insurance</h2> <p>This one should be a no-brainer. If you have dependents or any unpaid debts or financial obligations that would need to be paid upon your death (not many people can answer &quot;No&quot; to all of those), then you need life insurance. The question is, how much?</p> <p>There are many ways to estimate how much life insurance you need, but I like the following approach:</p> <ol> <li>Determine your household's current TOTAL annual income needs and SUBTRACT income that's available to your spouse/survivor(s) from other existing sources. This will be their NET annual income need.<br /> &nbsp;</li> <li>Multiply this net annual income need TIMES the estimated number of years your beneficiaries will require it.<br /> &nbsp;</li> <li>ADD your total current outstanding debts.<br /> &nbsp;</li> <li>ADD future unfunded expenses (your funeral expense, children's college, etc)</li> </ol> <p>This total should give you a good initial estimate. For a more complete assessment I suggest Tony Steuer's <a href="http://www.amazon.com/gp/product/0984508104/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0984508104&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=ZNPG3SINGOTXRIYR">Questions and Answers on Life Insurance</a> toolbook .</p> <p>My strong preference is term life insurance, not permanent life policies like whole life or universal that include an investment component. As a rough guide, I purchased a $300,000 supplemental term life policy at age 40 for $300 per year, or $25 per month. That premium amount will not change until my mid-60s.</p> <h2>3. Vehicle Insurance</h2> <p>Auto insurance is required by most states. It's actually a collection of policies that protects you from financial loss in three ways:</p> <ol> <li>Property coverage pays for damage to your car, either from a collision or from vandalism, storm damage, or theft (if you have &quot;comprehensive&quot;).<br /> &nbsp;</li> <li>Liability coverage pays legal expenses to others for injury to them or damage to their property in an accident.<br /> &nbsp;</li> <li>Medical coverage pays for the cost of treating accident injuries, and sometimes for lost wages and funeral expenses.</li> </ol> <p>According to <a href="http://www.quickanddirtytips.com/money-girl">Money Girl podcaster Laura Adams</a>, you ought to have &quot;enough auto insurance to cover the total value of all your assets &mdash; such as your home, vehicles, savings accounts, and non-retirement investments &mdash; [in case you are] involved in a lawsuit.&quot;</p> <h2>4. Homeowners Insurance</h2> <p>Like vehicle insurance, homeowners insurance is required when you have a mortgage. It should cover the replacement value of your home and its contents, and it pays for claims associated with fire and certain natural disasters. A liability portion also covers you if someone gets hurt on your property. (See also: <a href="http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance?ref=seealso">8 Surprising Things Covered by Homeowners Insurance</a>)</p> <p>If you rent, and the loss of your personal belongings would cause a financial hardship, then you should consider renter's insurance.</p> <h2>5. Disability Insurance</h2> <p>As a young girl my grandmother excelled in school. She loved to read and looked forward to attending college. Her father was a successful stone mason and the family lived comfortably, so paying for college was within their means. Then a work-related accident left him disabled. He never recovered, and he didn't have disability insurance, so his daughter had to quit high school and get a minimum wage job to help the family make ends meet. Needless to say, my grandmother never attended college, and she never had an opportunity to achieve her dreams.</p> <p>This is why having disability insurance is so important.</p> <ul> <li>Approximately one out of four workers entering the workforce today will become disabled for some period of time before they retire.<br /> &nbsp;</li> <li>More than 90% of disabling accidents and illnesses are not work related, which means they aren't covered by worker's compensation insurance.<br /> &nbsp;</li> <li>Social Security is only available after you've been out of work for a year and are completely disabled.<br /> &nbsp;</li> <li>Disability is the leading cause of about 50% of all mortgage foreclosures.</li> </ul> <p>Most employers provide short-term disability insurance to non-contract workers, but they are less likely to offer long-term disability coverage, or if they do it's often less than you need. So look into supplemental disability insurance to make sure your family's needs are covered.</p> <h2>6. General Liability Insurance</h2> <p>Sometimes referred to as umbrella insurance, this is a &quot;miscellaneous&quot; policy. It covers amounts in excess of maximums in other policies, and it provides primary insurance for losses that aren't covered by other policies. Take personal injury lawsuits. However frivolous the claim, defending against a lawsuit can cost thousands. For example, my stepfather works for his local township and he spent over $40,000 clearing himself of an unfounded charge against him by a citizen of the town.</p> <p>Also, have you noticed that insurance companies are narrowing the scope of what they cover in their traditional insurance policies? That same stepfather had storm insurance to cover his primary residence but didn't learn until after last year's Hurricane Sandy that the insurance company wouldn't cover $20,000 in damages to the garage on the same property.</p> <p>Our household has a $1 million umbrella policy that costs about $50 per month. It gives us peace of mind.</p> <h2>Protect What You've Worked Hard For</h2> <p>Joni Mitchell wrote: &quot;Don't it always seem to go that you don't know what you've got till it's gone.&quot; I think that sums it up nicely. It's hard for us to appreciate the consequences of a serious accident or unforeseen event until after it occurs.</p> <p>But bad things do happen &mdash; we see it all around us. So do what doesn't come naturally: protect yourself against your big risks before they happen. Take stock now of your insurance needs and make sure you're covered.</p> <p><em>Have you covered your big risks? How many of these insurance policies do you have? Can you think of any others?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/keith-whelan">Keith Whelan</a> of <a href="http://www.wisebread.com/not-insuring-these-6-things-could-bankrupt-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-fall-for-these-common-obamacare-scams">Don&#039;t Fall for These Common Obamacare Scams</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/generic-drug-price-lists-for-six-major-pharmacies">Generic Drug Price Lists For Six Major Pharmacies - Updated</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-advantage-of-obamacare-for-less-financial-risk-and-more-freedom">How to Take Advantage of Obamacare for Less Financial Risk and More Freedom</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance">8 Surprising Things Covered by Homeowner&#039;s Insurance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance bankruptcy health insurance insurance life insurance Fri, 22 Aug 2014 13:00:02 +0000 Keith Whelan 1190088 at http://www.wisebread.com 7 Weird Ways to Keep You and Your Stuff Safe http://www.wisebread.com/7-weird-ways-to-keep-you-and-your-stuff-safe <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-weird-ways-to-keep-you-and-your-stuff-safe" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3125086563_ea5a5a766a_z.jpg" alt="anti-vandal paint" title="anti-vandal paint" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We've got home security systems and car alarms and bike locks. Yet our belongings still get stolen from time to time. When the mainstream anti-theft devices just aren't cutting it, it may be time to get creative. (See also: <a href="http://www.wisebread.com/cant-afford-a-home-alarm-system-you-probably-already-have-one?ref=seealso">Can't Afford a Home Alarm System? You Probably Already Have One</a>)</p> <p>Read on for our roundup of the top seven outside-the-box things you can do to protect your assets.</p> <h2>1. Invest In Kidnap Insurance</h2> <p>So your beautiful blonde-haired, blue-eyed twenty-something is studying abroad in Colombia. And you're thrilled he's embarking on this eye-opening, cultural experience until you read that Colombia is a hot bed for kidnappings. We kid you not, one person was <a href="http://www.csmonitor.com/World/Americas/2013/0621/Kidnapping-in-Colombia-The-role-of-abductions-in-decades-long-conflict">kidnapped in Colombia on five</a> different occasions.</p> <p>What's a parent to do? You could put the kabosh on the trip and accept that you won't be receiving a Father of the Year Award &mdash; or you could purchase <a href="http://www.forbes.com/2009/06/11/kidnap-ransom-insurance-leadership-ceonetwork-ceos.html">kidnap insurance</a>. This type of highly unique travel insurance comes at a cost of several thousand dollars a year. Experts say the best plans cover not only a reward paid to informants who can provide tips that lead to an arrest, but also things like lost income, psychiatric expenses, and loss of fingers.</p> <p>Yes, we know, these aren't pleasant thoughts. The price tag isn't pleasant, either. But for journalists, business executives, and other frequent travelers, some form of kidnap and ransom protection may be a smart idea. A less expensive way to go about it is <a href="http://blog.brickhousesecurity.com/gps-blackberry/">The Executrac</a>, an app ($29.95 with a $19.95 monthly subscription) that turns any smartphone into a covert GPS tracker with a panic button.</p> <h2>2. Plan for Death When You Say, &quot;I Do&quot;</h2> <p>If you came to your end this very moment, what would happen to your family, your dog, your home, your internal organs, your online passcodes, and your social media accounts? Even if you're young and healthy, experts say it's all worth thinking about.</p> <p>Perhaps you want to commission <a href="http://www.lovedonesart.com/">artwork made with your ashes</a> blended in paint. Or, like Michael Jackson, <a href="https://www.everplans.com/blog/the-10-biggest-inheritances-ever-left-to-pets">maybe you want to leave $2 million to your pet chimpanzee</a> payable upon your death. Services like <a href="https://www.everplans.com/">Everplans</a> can help delineate such requests, starting with a free online personal will developer.</p> <p>The company's founders started creating the will developer as a young married couple concerned about the future. They recommend others start the process as soon as they begin to build their own family. It might seem premature, but the alternative to this kind of planning can be grim.</p> <h2>3. Channel Your Inner Kevin McCallister</h2> <p>When you'll stop at nothing to keep your belongings safe, it's time to implement the booby trap. The term was coined in 1850 and has been wreaking havoc on enemies, thieves, and otherwise unsuspecting victims ever since.</p> <p>In a modern day example, a Missouri homeowner fed up with pranksters driving their cars in his yard <a href="http://www.bnd.com/2014/07/20/3310581/off-the-beat-did-homeowner-go.html">buried a bed of nails in the ground</a> along the perimeter of his property. Tire tracks on the front lawn? Not on his watch.</p> <p>A word of warning: Some of these rigs can trigger police involvement, leading us to very cautiously recommend the booby trap, which is only sometimes legal. Please: be safe.</p> <h2>4. Paint It Neon</h2> <p>Investigators dealing with a rash of car battery thefts in Richmond County, Georgia two years ago recommended residents invest in a can of brightly colored paint. Car batteries &mdash; and other items whose value isn't tied to its outward appearance such as lawnmowers and construction equipment &mdash; can benefit from a coat of <a href="http://www.wfxg.com/story/19473021/investigators-working-to-prevent-vehicle-battery-thefts">high visibility paint that deters theft</a> and makes it easier for police to identify and return your item to you in the event that it does get stolen.</p> <h2>5. Make It Slippery</h2> <p>Got a problem with trespassers jumping the fence around your property? There's a paint for that. Aptly named <a href="http://www.decoratingwarehouse.co.uk/buy/paints&mdash;coatings/anti-graffiti-coatings/coo-var-anti-climb-paint&mdash;vandalene-/416">anti-vandal paint</a>, this slippery residue makes climbing near impossible when applied to fences, support beams, gutters, or gates. The paint, which can also be used to stop graffiti artists, is colorless, weather resistant, and <a href="http://www.anthonylatimerandson.co.uk/?page=antivandal_painting">it never dries</a>.</p> <h2>6. Strap a GPS Tracker On It</h2> <p>If Spot has a tendency to roam, it's not a bad idea to consider investing in a dog collar with GPS tracking capabilities. Embedded with mini GPS units, these collars can <a href="http://www.consumerreports.org/cro/magazine/2012/04/how-to-track-a-lost-animal/index.htm">pinpoint your pet's exact location</a> should he stray from the yard. The <a href="http://www.whistle.com/gps/">WhistleGPS</a> (preorder for $129) tracks not only your pet's location, but all of his activities in an easy-to-use app on your smartphone. The <a href="http://www.amazon.com/Garmin-Tracking-Unit-Discontinued-Manufacturer/dp/B004HFRA7A/ref=sr_1_1?ie=UTF8&amp;qid=1406467661&amp;sr=8-1&amp;keywords=garmin+gtu-10">Garmin GTU 10</a> ($200) allows the pet owner to configure up to 10 &quot;geofences.&quot; If your dog crosses the boundary, you get a warning emailed to your account. (See also: <a href="http://www.wisebread.com/find-lost-keys-fast-with-a-teeny-tiny-tile?ref=seealso">Find Lost Keys Fast With a Teeny Tiny Tile</a>)</p> <p>Dog collars aren't the only things that come GPS-equipped. The list of things you can track using this advanced location technology is endless &mdash; <a href="http://wallet.thetrackr.com/">wallet</a>, <a href="http://www.securusgps.com/eZoomGPSforAssets.aspx">speed boat</a>, <a href="http://bluetrackgpstrackers.co.uk/shop/gps-trackers/bluetrack-prime-1-gps-tracker/">luggage</a>. Kanye West, who is internationally known for taking things one step too far, allegedly installed a GPS tracker on Kim Kardashian's cell phone so he can <a href="http://au.ibtimes.com/articles/560194/20140724/kanye-west-stand-hearing-wife-s-ex.htm">keep track of his wife</a>.</p> <h2>7. Hide It With Camouflage</h2> <p>If you live in a wooded area, you can quite easily use <a href="http://camoclad.com/products/sheet-goods/">camouflage paneling</a> to conceal your storage sheds, vehicles, and boats. You can also hide your home. Even if you don't live in the forest, you can camouflage your living quarters in other ways to blend in with the natural surroundings. There's a home in Atlantic Beach, Florida, for example, that's <a href="https://www.youtube.com/watch?v=qekezUcALys">built inside a sand dune</a>.</p> <p>Casa do Penedo in Portugal's Fafe Mountains is perhaps the ultimate example of covert housing. <a href="http://obviousmag.org/archives/2009/12/casa_rochedo.html">The home is made of four giant boulders</a>, giving it a rugged aesthetic that would probably be pleasing to the likes of Barney and Betty Rubble. There's no electricity, but there is a swimming pool and living room fireplace. Not bad for a house made of nothing but rock, right?</p> <p><em>Ever heard of a crazy, creative way to keep things safe? Let us know in comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/7-weird-ways-to-keep-you-and-your-stuff-safe">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-25-gadget-that-keeps-my-home-and-family-safe">The $25 gadget that keeps my home and family safe.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-calls-you-can-make-now-to-save-hundreds-to-thousands-of-dollars">Five calls you can make now to save hundreds to thousands of dollars</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/51-uses-for-coca-cola-the-ultimate-list">51 Uses for Coca-Cola – the Ultimate List</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-steps-you-must-take-if-youve-been-in-a-car-accident">10 Steps You Must Take If You&#039;ve Been in a Car Accident</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-cheap-and-easy-formulas-for-homemade-windshield-de-icer-plus-bonus-tips">3 Cheap and Easy Formulas for Homemade Windshield De-Icer (Plus Bonus Tips)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living General Tips Insurance insurance protection safety security Wed, 06 Aug 2014 15:00:05 +0000 Brittany Lyte 1175047 at http://www.wisebread.com This Is What That Ticket You Got Will Do to Your Car Insurance Rate http://www.wisebread.com/this-is-what-that-ticket-you-got-will-do-to-your-car-insurance-rate <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/this-is-what-that-ticket-you-got-will-do-to-your-car-insurance-rate" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/speeding-ticket-452522717-small.jpg" alt="speeding ticket" title="speeding ticket" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are two types of drivers in America: those who've received a ticket; and those who haven't.</p> <p>In the past five years, <a href="http://www.insurancequotes.com/auto/traffic-tickets-insurance-premiums" style="text-decoration:none;">25% of drivers</a> have received traffic tickets. That's one in four. Of course, tickets can range from the minor (such as driving with a broken headlight), to the very serious (a DUI). Tickets carry penalties, including fines and point violations, and if you hit 12 points your license is taken away. Typically, you'll automatically get 12 points for a DUI. However, the biggest hit your wallet takes will not come from fines and fees, but from the insurance rate hikes that accompany tickets. Here are five of the biggest insurance rate increases you'll get from traffic tickets.</p> <h2>DUI or DWI &mdash; 93% Rate Increase</h2> <p>That's <a href="http://www.carinsurancecompanies.net/how-much-does-car-insurance-cost-after-a-dui/" style="text-decoration:none;">almost double</a>, if you're lucky; many insurance carriers will actually drop you altogether, and some will triple your rate.</p> <p>The insurance industry does not like people driving under the influence. They consider you to be a very high-risk driver, and rightly so. <a href="http://alcoholism.about.com/od/dui/a/dui_insurance.htm" style="text-decoration:none;">Drunk drivers</a> are a danger not only to themselves and their own property, but also to everyone else on the road. If you can afford to pay the increased rate, it will be that way for three years. That equates to thousands of dollars. If your policy is cancelled, you need to get SR-22 insurance from another carrier before you can legally drive your car. And guess what? You now have a cancellation on your record, so it will be even more expensive. Of course, depending on your blood alcohol level, you may not even be able to get behind the wheel for another nine months.</p> <p>The bottom line is, <strong>never ever drive under the influence of alcohol</strong>. With the insurance hikes, penalties, classes, interlock devices, and everything else, it will cost you $10,000 and stay on your record for a long, long time. How much does it cost to get a cab, or spend the night in a nearby hotel? It's not $10k!</p> <h2>Texting &mdash; 21% Increase</h2> <p>Texting rate hikes have not come in line with DUI rate hikes yet, but they will. Research has shown that texting and driving is the same as driving after four beers &mdash; something that would easily get you a DUI conviction. Worse still, you are <a href="http://www.textinganddrivingsafety.com/texting-and-driving-stats/" style="text-decoration:none;">SIX TIMES</a> more likely to cause an accident if you're texting, as opposed to driving while intoxicated. Not only that, but 25% of all car accidents are now caused by drivers who text.</p> <p>It's an outrage that the insurance companies, and the laws, are not seeing texting for what it really is; one of the greatest dangers to road safety today. As it stands right now, if you get a ticket for texting and driving you can get as little as one point and a $20 fine, plus a 21% increase in your insurance rate (it's treated the same as a 15 mph speeding violation). It's very possible that if you have a good record, your insurance company will forgive you.</p> <p>But like I said above, expect the penalties for texting and driving to start increasing.</p> <h2>Reckless Driving &mdash; 82% Increase</h2> <p>If you're driving without using your hands, reading a book or map, erratically changing lanes while speeding, tailgating, road raging, or basically your attention is anywhere but the road ahead, you can get a ticket for reckless driving. Also, some DUI cases will plea down to reckless, or &quot;wet reckless&quot; (meaning alcohol was involved), and this results in slightly lesser charges and penalties. But don't go celebrating. Reckless driving is not something your insurance company likes to see on your record, and they will heavily penalize you for it.</p> <h2>Careless Driving &mdash; 27% Increase</h2> <p>On the other hand, careless driving brings much smaller penalties.</p> <p>While reckless driving is seen as intentional, <a href="http://law.freeadvice.com/general_practice/traffic_law/careless-driving.htm" style="text-decoration:none;">careless driving</a> is not done on purpose. You may forget to signal while changing lanes, or may fall asleep at the wheel (which brings disastrous consequences, but was never something the driver wanted to do). If you are ticketed for careless driving, you'll get a few points on your license and your insurance rate could rise by as much as 25%. Of course, your previous record will come into play, and your insurance company may let you off easy. There's a world of difference between forgetting to signal, and falling asleep behind the wheel.</p> <h2>Failure to Stop/Running a Red &mdash; 19% Increase</h2> <p>Whether you run through a stop sign or a red light, you can get a ticket.</p> <p>These days, cameras at intersections are grabbing offenders and sending tickets out automatically. You can always try to fight it, especially if you went through a yellow and the camera or police officer has you down as running a red. But, chances are you'll probably be too busy to go through with a court case, and will simply pay the fine and take the reduced points. Expect your insurance to go up about 19%, unless you have an exceptional history.</p> <h2>Speeding &mdash; Up to 30% Increase</h2> <p>The big one. Almost everyone, at some point in his or her driving life, is going to go over the speed limit. Even if it's just a few miles per hour over, it's breaking the law. Of course, most police officers don't usually bother unless you're going 10 mph or more over the limit (unless it's a very slow day). Depending on how much over the limit you were going, your insurance hike can range from 21% up to 30%. If you were doing something crazy, like 160 mph in a 55 mph zone, you may get a reckless driving ticket instead.</p> <h2>Driving Alone in a Carpool Lane &mdash; 18% Increase</h2> <p>It seems so trivial to get a ticket for driving in a HOV or carpool lane without passengers. However, those lanes are put there to ease traffic congestion, and if we all disobey the rules of the road they will become futile. While nothing major is going to happen, you can expect almost the same rate hike as a low-end speeding ticket. It's really not worth the hassle. Or the cost.</p> <p><em>Have you ever gotten a moving violation? What was the hit to your pocketbook?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/this-is-what-that-ticket-you-got-will-do-to-your-car-insurance-rate">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-dangerous-mistakes-even-safe-drivers-make">8 Dangerous Mistakes Even Safe Drivers Make</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-to-do-and-not-do-when-youre-in-a-car-accident">What to Do (and Not Do) When You&#039;re in a Car Accident</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-tips-to-save-on-car-insurance">4 Tips to Save on Car Insurance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/financial-iq-test-do-you-have-the-best-auto-insurance-coverage-for-your-needs">Financial IQ Test: Do You Have the Best Auto Insurance Coverage for Your Needs?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-cheap-auto-insurance-for-young-drivers">How to Get Cheap Auto Insurance for Young Drivers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance auto insurance Cars driving DUI moving violations tickets Mon, 04 Aug 2014 17:00:04 +0000 Paul Michael 1173261 at http://www.wisebread.com Best Money Tips: The Insurance Edition http://www.wisebread.com/best-money-tips-the-insurance-edition <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-the-insurance-edition" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/insurance-484624179-small.jpg" alt="insurance" title="insurance" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some of the best articles from around the web on insurance.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Insurance-Policies-Arent-Worth-19090574">7 Insurance Policies You Can Live Without</a> &mdash; Chances are you can live without specialty disease insurance and extended warranties. [PopSugar Smart Living]</p> <p><a href="http://christianpf.com/5-ways-to-save-money-on-insurance/">5 Ways to Save Money on Insurance</a> &mdash; To save money on insurance, increase your deductible or boost your credit score. [Christian PF]</p> <p><a href="http://www.foxbusiness.com/personal-finance/2013/08/14/11-tips-every-home-owner-needs-to-know-about-insurance/">11 Tips Every Home Owner Needs to Know About Insurance</a> &mdash; If you are a homeowner, make sure you know what your insurance covers and how to save by bundling. [Fox Business]</p> <p><a href="http://moneyning.com/insurance/do-you-regularly-shop-around-for-insurance/">Do You Regularly Shop Around for Insurance?</a> &mdash; If your coverage needs have changed, it is essential to shop around for new insurance. [MoneyNing]</p> <p><a href="http://www.thesimpledollar.com/renters-insurance-why-its-worth-it/">Renters Insurance: Why It's Worth It</a> &mdash; Did you know renters insurance can cover the cost of additional living expenses if your home becomes uninhabitable? [The Simple Dollar]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.biblemoneymatters.com/are-you-taking-care-of-your-family-make-sure-you-have-life-insurance/">Are You Taking Care of Your Family? Make Sure You Have Life Insurance!</a> &mdash; When thinking about purchasing life insurance, consider your family's income needs over the next couple of decades. [Bible Money Matters]</p> <p><a href="http://www.freemoneyfinance.com/2006/05/why_i_buy_disab.html">Why I Buy Disability Insurance</a> &mdash; Did you know 48% of foreclosures are a result of a disability? [Free Money Finance]</p> <p><a href="http://moneysmartlife.com/avoidable-disasters-dont-go-without-insurance/">Avoidable Disasters: Don't Go Without Insurance</a> &mdash; Could you afford to replace all the items in your home if you lost them? If not, you need homeowners or renters insurance. [Money Smart Life]</p> <p><a href="http://cashmoneylife.com/how-to-lower-your-auto-insurance-bill/">How to Lower Your Auto Insurance Bill</a> &mdash; If you want to lower your auto insurance bill, get multiple quotes. [Cash Money Life]</p> <p><a href="http://parentingsquad.com/how-to-get-low-cost-medical-care-for-your-child">How to Get Low-Cost Medical Care For Your Child</a> &mdash; To get low-cost medical care for your child, take advantage of free or low-cost clinics. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-the-insurance-edition">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-advantage-of-obamacare-for-less-financial-risk-and-more-freedom">How to Take Advantage of Obamacare for Less Financial Risk and More Freedom</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance">8 Surprising Things Covered by Homeowner&#039;s Insurance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-weird-ways-to-keep-you-and-your-stuff-safe">7 Weird Ways to Keep You and Your Stuff Safe</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/not-insuring-these-6-things-could-bankrupt-you">Not Insuring These 6 Things Could Bankrupt You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance best money tips insurance Tue, 15 Jul 2014 19:00:03 +0000 Ashley Jacobs 1146779 at http://www.wisebread.com Best Money Tips: Insurance That Saves You Big in the Long Run http://www.wisebread.com/best-money-tips-insurance-that-saves-you-big-in-the-long-run <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-insurance-that-saves-you-big-in-the-long-run" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/hospital-151908388.jpg" alt="hospital" title="hospital" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on insurance that will save you big, people who can save you time, money and stress, and getting started with investing.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.freemoneywisdom.com/looking-ahead-five-types-insurance-save-big-long-run/">Looking Ahead: Five Types of Insurance That Save You Big in the Long Run</a> &mdash; Life insurance and health insurance can save you money in the long run. [Free Money Wisdom]</p> <p><a href="http://sweatingthebigstuff.com/5-people-who-can-save-you-time-money-and-stress/">5 People Who Can Save You Time, Money, and Stress</a> &mdash; A mechanic is the number one person who can save you time, money, and stress. [Sweating the Big Stuff]</p> <p><a href="http://www.getrichslowly.org/blog/2014/03/18/how-to-get-started-investing/">How to get started with investing</a> &mdash; To get started with investing, put investing in the foreground of your mind. [Get Rich Slowly]</p> <p><a href="http://www.threethriftyguys.com/2014/03/six-reasons-for-financial-accountability/">Six Reasons For Financial Accountability</a> &mdash; Leaving a legacy should motivate you to be financially accountable. [Three Thrifty Guys]</p> <p><a href="http://www.narrowbridge.net/pay-for-things-want-paying-off-debt/">How to Pay for the Things You Want While Paying Off Debt</a> &mdash; Pay for the things you want while paying off debt by planning your purchases. [NarrowBridge Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.themoneyprinciple.co.uk/three-kitchen-appliances-that-will-help-you-slash-your-food-budget/">Three kitchen appliances that will help you slash your food bill</a> &mdash; Hand blenders are a great kitchen tool that can help you slash your food budget. [The Money Principle]</p> <p><a href="http://www.savvysugar.com/Facts-Make-You-Smile-32288928">15 Facts That Will Instantly Make You Happier</a> &mdash; Did you know blind people will smile even if they haven't seen a smile before? [PopSugar Smart Living]</p> <p><a href="http://www.fivecentnickel.com/2014/03/19/what-you-need-to-know-about-the-impending-obamacare-deadline/">What you need to know about the impending Obamacare deadline</a> &mdash; The Obamacare deadline is March 31st! Make sure you are aware of the exemptions. [Five Cent Nickel]</p> <p><a href="http://reachfinancialindependence.com/business-mission-statement/">Six Steps to Take Before You Start Writing Your Business Mission Statement</a> &mdash; Before you write your business mission statement, research other effective statements. [Reaching Financial Independence]</p> <p><a href="http://parentingsquad.com/celebrate-national-nutrition-month-every-day">Celebrate National Nutrition Month Every Day</a> &mdash; Being active and avoiding liquid calories can help you celebrate National Nutrition Month every day. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-insurance-that-saves-you-big-in-the-long-run">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-advantage-of-obamacare-for-less-financial-risk-and-more-freedom">How to Take Advantage of Obamacare for Less Financial Risk and More Freedom</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance">8 Surprising Things Covered by Homeowner&#039;s Insurance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-weird-ways-to-keep-you-and-your-stuff-safe">7 Weird Ways to Keep You and Your Stuff Safe</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/not-insuring-these-6-things-could-bankrupt-you">Not Insuring These 6 Things Could Bankrupt You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance best money tips insurance Fri, 21 Mar 2014 10:00:27 +0000 Ashley Jacobs 1132133 at http://www.wisebread.com What Do I Need to Know Before I Hire a CFP? http://www.wisebread.com/what-do-i-need-to-know-before-i-hire-a-cfp <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-do-i-need-to-know-before-i-hire-a-cfp" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/business-99545082.jpg" alt="business people" title="business people" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p><iframe width="605" height="340" frameborder="0" src="//www.youtube.com/embed/R0jKJuvJXpA" allowfullscreen=""></iframe></p> <p>Before you go out and hire what could be the most important person you ever hire in your entire life &mdash; your financial planner &mdash; here's a few things you need to know.</p> <p>Hey, this is Jeff Rose, Certified Financial Planner, and I'm here to answer the question: &quot;What do you need to know before you hire a CFP?&quot;</p> <p>You're officially an adult. It's time to make some really important decisions, so you know you need to hire a financial advisor. You've heard of this thing called a CFP. What does it mean? What do you need to know before you hire a CFP? Well, if you missed the introduction, I am a CFP. I'm a Certified Financial Planner.</p> <p>What does that really mean? So for me, to get my CFP designation, I had to take these courses. I had to study a lot of material. And this covered everything from retirement planning to investing, taxes, estate planning, insurance &mdash; a little bit of everything. Anything that encompasses the financial planning process. And after I studied my butt off, I then had to take a really hard exam. And I want to tell you, it's the hardest exam I've ever had to take.</p> <p>After I passed the exam, I was able to call myself a CFP. Now, the only way I could call myself that is because I had three years of work experience already. If somebody took the exam and passed the test, they couldn't call themselves a CFP just yet. So before you hire a CFP, you should know that they went through a very tough course curriculum. They passed the exam and they've had three years of work experience.</p> <p>So what's the difference between a CFP and a Financial Advisor? It can get pretty confusing. For a Financial Advisor, they don't have to take the CFP Exam. I chose to take the CFP Exam because I wanted more knowledge. I wanted more experience. I wanted that know-how of helping people through the entire financial planning process</p> <p>In our industry, it's not required to become a CFP. Most people who work to get the designation do it because they want the knowledge. They wanted greater growth in their career. I often explain to people, choosing between a CFP and a regular Financial Advisor is kind of like hiring an accountant. You can hire an accountant to do your tax return, or you can hire a CPA who&rsquo;s versed in all the different tax codes and can help you do some legitimate tax planning. The CFP is no different. They are versed in all aspects of financial planning and they can help you get from A to Z; they've got the know-how and the research to do so.</p> <p>I might be a bit biased in saying you need to hire a CFP if you're going to hire a Financial Advisor. But you know what? It's true. They've put in the hard work. They've taken the test. They've got the credentials. And if you're trying to find a Financial Advisor, head on over to <a href="http://cfp.net/">CFP.net</a>. There's a database full of all the different Financial Advisors that have the CFP designation across the country. If you have any more questions regarding hiring a Financial Advisor, this is Jeff Rose, CFP. I'd be glad to help you out. Take care.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jeff-rose">Jeff Rose</a> of <a href="http://www.wisebread.com/what-do-i-need-to-know-before-i-hire-a-cfp">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/meet-wise-breads-financial-planning-expert-jeff-rose-cfp">Meet Wise Bread&#039;s Financial Planning Expert, Jeff Rose, CFP!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-it-take-to-become-a-cfp">What Does It Take to Become a CFP?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/not-insuring-these-6-things-could-bankrupt-you">Not Insuring These 6 Things Could Bankrupt You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-i-get-life-insurance-through-my-employer">Should I Get Life Insurance Through My Employer?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-long-does-it-take-to-get-life-insurance">How Long Does It Take to Get Life Insurance?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance Ask the CFP life insurance Fri, 15 Nov 2013 21:40:35 +0000 Jeff Rose 1098583 at http://www.wisebread.com Meet Wise Bread's Financial Planning Expert, Jeff Rose, CFP! http://www.wisebread.com/meet-wise-breads-financial-planning-expert-jeff-rose-cfp <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/meet-wise-breads-financial-planning-expert-jeff-rose-cfp" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/handshake-177331872.jpg" alt="handshake" title="handshake" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p><iframe width="605" height="340" frameborder="0" src="//www.youtube.com/embed/lxcxBky6ltY" allowfullscreen=""></iframe></p> <p>What's going on, Wise Bread community? This is Jeff Rose, Certified Financial Planner and founder of <a href="http://www.goodfinancialcents.com">GoodFinancialCents.com</a>. The people at Wise Bread wanted me to do a quick introduction video because I am the new financial planning expert here to answer your questions. That's right. Wise Bread has its own resident CFP to help answer any financial planning questions that you have.</p> <p>But before we get into that, let me give you a quick introduction of who I am.</p> <p>I am a Certified Financial Planner. I have been in the financial service industry for over 10 years. That's right &mdash; a decade. (That's why I have a lot of gray hairs. I've got three kids, too, so that kind of helps out.)</p> <p>I started my career with A.G. Edwards &amp; Sons, which is no longer around. They were bought out by a big bank. I spun off from them and founded my own wealth management firm, Alliance Wealth Management, LLC, which is where I'm at today.</p> <p>In case I look familiar, no, I'm not The Rock. My eyebrow does not go up. I do not do the people's elbow, whatever that is, although The Rock's kind of cool. No, I'm the founder of GoodFinancialCents.com personal financial blog. I've done a few movements: the Roth IRA Movement, the Debt Movement,&nbsp;the Life Insurance Movement&nbsp;where I bust out some dance skills.</p> <p>My mission has been to give people information they need to make smart decisions about their money. When I was growing up, I knew nothing about investing. I knew nothing about savings. And I literally stumbled into a profession of being a financial adviser. And thank goodness, because the learning experiences I've gotten meeting with real people and their real life struggles have really opened my eyes to what I need to do and to show other people how to make smart decisions with their money.</p> <p>This September, I'm proud to announce I had my first book coming out called&nbsp;<a target="_blank" href="http://www.amazon.com/gp/product/0814433286/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0814433286&amp;linkCode=as2&amp;tag=wisbre03-20"><em>Soldier of Finance</em></a>. This book shows people how to invest their money and take charge of their future. I see so many people who are making bad choices or just don't know what to do, and I want this book to inspire them. You have to want more and want your life to be different. So if you have the motivation and the willpower, I want to show you how to get there.</p> <p>Some of my previous work has been featured on MSN Money, Yahoo Finance, Huffington Post, Wall Street Journal, and Market Watch, and even more importantly, Wise Bread. So I'm hoping to give it back to the Wise Bread community by answering any questions you have regarding financial planning.</p> <p>Now, obviously, financial planning is a broad category, but I am here to answer anything related to that. This can include retirement, investing, college savings plans, life insurance &mdash; anything that has to do with money and your life, I'm here to answer it. And if I can't answer the question, I have a network of trusted experts that will be happy to answer the question for you. Basically, I've got your back.</p> <p>So if you have any questions, just hit me up on the Wise Bread blog. We'll be happy to get that question answered in a future video and some potential Google hangouts. But if you need a quicker response, you can always hit me up on Twitter, Facebook, social media. I'm there, that's where I hang out.</p> <p>I look forward to getting to know you all much better in the near future. Until next time, this is Jeff Rose, Certified Financial Planner. Take care.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jeff-rose">Jeff Rose</a> of <a href="http://www.wisebread.com/meet-wise-breads-financial-planning-expert-jeff-rose-cfp">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-do-i-need-to-know-before-i-hire-a-cfp">What Do I Need to Know Before I Hire a CFP?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-it-take-to-become-a-cfp">What Does It Take to Become a CFP?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/not-insuring-these-6-things-could-bankrupt-you">Not Insuring These 6 Things Could Bankrupt You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/should-i-get-life-insurance-through-my-employer">Should I Get Life Insurance Through My Employer?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-long-does-it-take-to-get-life-insurance">How Long Does It Take to Get Life Insurance?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance Ask the CFP life insurance Fri, 15 Nov 2013 21:26:19 +0000 Jeff Rose 1098582 at http://www.wisebread.com 8 Surprising Things Covered by Homeowner's Insurance http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-surprising-things-covered-by-homeowners-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/house-5181226-small.jpg" alt="woman holding house" title="woman holding house" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Insurance companies often get grief for what&#39;s <em>not</em> covered in a typical policy. But a standard homeowner&#39;s policy &mdash; often known as an HO-3 &mdash; does have clauses that cover you in ways you may not expect. And even if you aren&#39;t covered under a standard policy, you may learn that there are endorsements tied to your policy that offer extra coverage you didn&#39;t realize you had. (See also: <a href="http://www.wisebread.com/dont-let-your-bank-pick-your-homeowners-insurance">Don&#39;t Let Your Bank Pick Your Homeowners Insurance</a>)</p> <p>It&#39;s important to review your homeowner&#39;s insurance policy carefully to see what applies to you. but you may be surprised to know that these seven things are covered under many standard policies or as part of <a href="https://www.travelers.com/personal-insurance/home-insurance/types-of-coverage/optional-coverages.aspx">low-cost endorsements that are often routinely included</a>.</p> <h2>1. Spoiled Food</h2> <p>A typical policy will cover the loss of up to $500 in food if your freezer or refrigerator stops working due to a power outage.</p> <h2>2. Tombstones</h2> <p>If a grave marker of a loved one is damaged, the insurance company will pay for repairs, usually up to $5,000. It&#39;s important to note that grave markers must be established as your &quot;personal property&quot; for them to be covered. (In essence, you&#39;re covered if you are the one who bought the plot.) So that&#39;s something to keep in mind when burying a loved one.</p> <h2>3. Dog Bites</h2> <p>If your dog bites someone and causes injury, most policies will cover that person&#39;s medical expenses, even if the bite didn&#39;t happen on your property. Most policies also cover medical expenses for other injuries in which an insured person is at fault, and will pay for legal expenses if you are sued. (Check your policy to be sure of limits to this liability coverage.)</p> <h2>4. Kids and Their Stuff at College</h2> <p>Under most policies, the &quot;insured&quot; includes anyone in your household as well as anyone under 24 who is attending college full time. However, policies aren&#39;t crystal clear on whether this applies only to students living in dorm, so it may also be wise to get low-cost renters insurance if they are living off campus. (See also: <a href="http://www.wisebread.com/why-you-should-have-renters-insurance">Why You Should Get Renters Insurance</a>)</p> <h2>5. Volcanic Eruptions</h2> <p>This may not be relevant to you unless you live in Hawaii, but it&#39;s nice to know that if lava is flowing toward your house, you&#39;re covered. Keep in mind, however, that most standard policies will not cover loss due to earthquakes or tremors. (See also: <a href="http://www.wisebread.com/preparing-financially-for-a-natural-disaster">How to Financially Prepare for a Natural Disaster</a>)</p> <h2>6. Identity Theft</h2> <p>It can be distressing to learn that someone has stolen your personal information, and cases of identify theft can cost victims thousands of dollars, not to mention the time and stress of dealing with law enforcement, attorneys, and financial institutions to get your case resolved. Thankfully, many homeowner&#39;s policies will reimburse you for expenses you incur when working to resolve an identity theft case. This could include attorney&#39;s fees, travel costs, and even lost wages if you have to miss work. Some policies will even cover things like babysitting and elder care if you need them while you resolve the identity theft case. (See also: <a href="http://www.wisebread.com/not-taking-jack-how-to-deal-with-identity-theft">How to Deal With Identity Theft</a>)</p> <p>Note: In many cases, identity theft coverage is not part of the standard HO-3, but a special endorsement. But such endorsements are often routinely included without homeowners even knowing it. Check your policy.</p> <h2>7. Some Flood Damage</h2> <p>Typically, if your house floods, you&#39;re out of luck, unless you purchase flood insurance. However, many policies do have endorsements that cover flood damage in some instances. I recently saved thousands of dollars in repairs when I learned that my policy actually did cover repairs resulting from a failed sump pump. Check your policy to see if it includes such a provision.</p> <h2>8. Your Bike, Even 3,000 Miles From Home</h2> <p>Most policies include &quot;<a href="http://www.bankrate.com/finance/insurance/homeowners-insurance-can-leave-home-with-you-1.aspx">off premises</a>&quot; coverage for your personal property. (It&#39;s the same clause that covers your child&#39;s property when she&#39;s away at college.)&nbsp;One Wise Bread IT staffer discovered the value of this when his very pricey touring bicycle was stolen midway through his cross-country bike tour &mdash;&nbsp;all the way on the other side of the continent. He called his agent, and soon he had the funds to replace the bike and continue pedaling.</p> <p>In addition to protecting your property from theft or loss, off premises coverage offers liability protection, too. That means if you shank a drive through the picture window of the house edging the fairway, your insurer picks up the tab. Amounts vary based on your total coverage amounts, so check your policy for the details.&nbsp;</p> <p><em>Anything surprising in your homeowner&#39;s insurance?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-surprising-things-covered-by-homeowners-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-13"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-take-advantage-of-obamacare-for-less-financial-risk-and-more-freedom">How to Take Advantage of Obamacare for Less Financial Risk and More Freedom</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-things-insurance-agents-dont-want-you-to-know">14 Things Insurance Agents Don&#039;t Want You to Know</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-weird-ways-to-keep-you-and-your-stuff-safe">7 Weird Ways to Keep You and Your Stuff Safe</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/not-insuring-these-6-things-could-bankrupt-you">Not Insuring These 6 Things Could Bankrupt You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance homeowner's insurance insurance Thu, 17 Oct 2013 10:36:04 +0000 Tim Lemke 994621 at http://www.wisebread.com Best Money Tips: Ways to Lower Car Insurance Rates http://www.wisebread.com/best-money-tips-ways-to-lower-car-insurance-rates <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-lower-car-insurance-rates" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/car-4025979-small.jpg" alt="woman driving" title="woman driving" class="imagecache imagecache-250w" width="250" height="179" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on ways to lower car insurance rates, the best mobile apps for personal finance, and traits common of most millionaires.</p> <h2>Top 5 Articles</h2> <p><a href="http://thirtysixmonths.com/proactive-ways-to-lower-car-insurance-rates/">Proactive Ways to Lower Car Insurance Rates</a> — Installing an anti-theft device or taking a safety course can help you lower your car insurance rates. [Thirty Six Months]</p> <p><a href="http://bobbyfinance.com/2013/10/01/the-5-best-mobile-apps-for-personal-finance/">The 5 Best Mobile Apps for Personal Finance</a> — Have you downloaded the Venmo or MoneyKeeperPRO apps onto your phone yet? [BobbyFinance]</p> <p><a href="http://moremoneythanmonth.com/blog/7-traits-common-millionaires/">7 Traits common of most millionaires</a> — Did you know that most millionaires believe that financial independence is more important than displaying high social status? [More Money Than Month]</p> <p><a href="http://thehappyhousewife.com/frugal-living/5-ways-to-save-on-kids-costumes/">5 Ways to Save on Kids Costumes</a> — Organizing a costume swap can help you save money on your kids' costumes this Halloween. [The Happy Housewife]</p> <p><a href="http://theprudentpatron.com/100-birthday-freebies/">100+ Birthday Freebies</a> — If your birthday is coming up, check out this amazing list of freebies you can get on your special day! [The Prudent Patron]</p> <h2>Other Essential Reading</h2> <p><a href="http://bargainbabe.com/how-to-save-money-on-car-tires/">How to Save Money on Car Tires</a> — To save money on car tires, extend the life of your tires by rotating them. [Bargain Babe]</p> <p><a href="http://freefrombroke.com/free-online-checking-accounts/">Free Online Checking Accounts - Why Pay More Fees Than You Have To</a> — If you have a free online checking account, beware of minimum balance fees or transaction fees. [Free From Broke]</p> <p><a href="http://www.freemoneyfinance.com/2013/09/money-101-how-to-create-a-budget.html">Money 101: How to Create a Budget</a> — To create a budget, start by tracking your spending for 30 days. [Free Money Finance]</p> <p><a href="http://www.savvysugar.com/Remove-Wrinkles-Without-Iron-31999801">Never Iron Again! 6 Ways to Have Wrinkle-Free Clothes Without Ironing</a> — Shower steam or wrinkle-removing sprays are good ways to get the wrinkles out of your clothes when you don't have an iron handy. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/6-opportunities-for-quantity-time-with-your-teenager">6 Opportunities for Quantity Time With Your Teenager</a> — Take advantage of the opportunity to talk to your teen when you are in the car with him or her. [Parenting Squad]</p><br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-lower-car-insurance-rates">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/repair-the-car-or-spend-the-cash">Repair the Car or Spend the Cash?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-things-insurance-agents-dont-want-you-to-know">14 Things Insurance Agents Don&#039;t Want You to Know</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-mechanical-breakdown-insurance-worth-it">Is Mechanical Breakdown Insurance Worth It?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-myths-about-car-insurance">5 Myths About Car Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-mistakes-to-avoid-when-shopping-for-car-insurance">6 Mistakes to Avoid When Shopping for Car Insurance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Insurance best money tips car insurance insurance rates Wed, 02 Oct 2013 10:00:03 +0000 Ashley Jacobs 994523 at http://www.wisebread.com