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201. Free life insurance - Should you get it? May 11, 2015 Free Life Insurance - Should you get it? Life insurance can provide you and your family a great deal of peace of mind and protection should you pass away. So if it was available for free, surely there’d be no question about it? This is in fact what a select few providers are currently offering, generally to parents with young families, and there’s no doubt that it can be of great benefit to you. But how much will these policies actually do? We take a look at the most common features to see how they stack up. Age restrictions This kind of cover always carries a restriction on t... (read more) Author: Richard Harry

202. Pre-Planning for Your Monument Stone and Memorial May 07, 2015 A monument stone stands as an enduring reminder of your life. The time will come when your family will be faced with saying goodbye, and you can ease that difficult time by making plans in advance for your memorial and other final arrangements. Pre-purchasing or financing your monument stone and other components of burial or cremation serves to ease both the emotional and financial burdens that families face upon the death of their loved one. Unfortunately, this is a difficult process for most people to undertake. Following are some practical ideas to help you get started. Make Your Wishe... (read more) Author: Jen Stott

203. Prepare Your Property for Summer Storms May 05, 2015 Summer storms have been particularly devastating for the past few years, and this season the same pattern of frequent and intense thunderstorms, tornadoes and heavy rain is predicted to continue. Although you can’t avoid stormy weather, being prepared is the most effective way to prevent damage to your property. Before the storm season kicks into high gear, take the time to do a little maintenance around your home or office, verify that you’re insured against storm damage and assemble a few emergency preparedness supplies. Outdoor Summer Storm Preparation Severe storm damage takes it... (read more) Author: Jen Stott

204. Four Ways a Condo Warranty Can Benefit You May 04, 2015 We have all had a dishwasher that puttered out or a washing machine that sat idle with clothes floating in a well of water. Fixing creaky old appliances can be costly, and it often seems there is no way of avoiding such expenses. However, many owners and renters have found a solution: purchasing a condo warranty. Unlike insurance-which covers natural disasters, calamities, and theft-a warranty is a service contract that, among other things, covers major appliances for members of a condominium. These warranties are specifically designed to work within the existing support structure and se... (read more) Author: Aaliyah Arthur

205. How a Home Warranty Benefits Buyers April 30, 2015 Entering into a contract to buy a house is not a small commitment. When entering into a real estate transaction, buyers can utilize numerous tools to protect themselves. A home warranty is one way to ensure that you will not experience unexpected expenses from repairs to your residence. Reliable Repairs When something goes wrong with an appliance or system covered by a home warranty, you can simply call the insurance provider to schedule repair service. For example, if the heating or cooling system stops working or the refrigerator begins making a funny noise, you can call to make a... (read more) Author: Aaliyah Arthur

206. Tips for Managing the Cost of Commercial Truck Insurance April 30, 2015 If your business owns and utilizes work vehicles, commercial truck insurance is essential. Your policies and business practices can impact the costs and types of coverage you may qualify for. By avoiding some common mistakes and keeping the following advice in mind, you can ensure that you'll get the best possible rate. Common Mistakes that Increase the Cost of Commercial Truck Insurance Driving for extended periods - When drivers are on the road for extended periods, it can be dangerous. Not only does it increase the risk of an accident, it can also increase your costs if it is repo... (read more) Author: Aaliyah Arthur

207. Home Emergency Cover: The facts April 29, 2015 Home Emergency Cover is one of many general insurance policies designed to make your life a little easier. It works by providing you a set amount of cover for a wide range of domestic-related emergencies, to limit the damage, expenses and inconvenience caused by these type of incidents. Typical things that such policies are used to protect against include: Boiler breakdown Drainage trouble Loss of hot water Central heating failure Plumbing problems, including burst pipes Electrical failure Security issues (such as damaged doors or windows) Roof damage (due to adverse we... (read more) Author: Richard Harry

208. Three Ways Audit Services Benefit Your Nonprofit April 28, 2015 In many of the most fundamental ways, a nonprofit is run in an entirely different fashion than a for-profit organization, from its hierarchical structure to asset management. However, a lot of the same rules still apply. In many states, the law requires audits, while in others, it's not necessary to conduct an one, but it's not a bad idea to consider it anyway if you plan to apply for government funding or if you wish to maintain a good reputation with the public. Here are a few reasons your not-for-profit might consider obtaining audit services. 1. To Abide By State Law Laws vary by... (read more) Author: Andrew Stratton

209. Computing Services Like ERP Cloud Accounting Software Flourish in Companies Large and Small April 24, 2015 Cloud computing is an innovation that, in a relatively short period, has dramatically improved how companies manage their technologies. In 1997, the late Steve Jobs of Apple Inc. said, "I don't need a hard disk in my computer if I can get to the server faster. Carrying around non-connected computers is byzantine by comparison." He might as well have been talking about "the cloud," which is now being hailed by some as the next best invention since the light bulb. "It's a no-brainer," says Brad Jefferson, CEO and Co-Founder of Animoto, a video creation service. "Every start-up, or... (read more) Author: Andrew Stratton

210. Benefits of a Condo Warranty Could Save You Money April 24, 2015 People often buy a condo warranty when purchasing a condominium, as warranties can be the perfect solution for people who don't want to worry about potentially replacing appliances and other systems in the condo in the future. Before opting for this type of agreement, you should understand the finer details of the coverage, the benefits, how the process works, and other considerations. How It Works Condominium warranties cover appliances and some indoor systems. This is a separate coverage from condo insurance or any coverage provided by the condominium association. Insurance predomi... (read more) Author: Andrew Stratton

211. How to know if you need Life Insurance April 09, 2015 We’ve all heard of Life Insurance, but as it’s based on your own individual situation, knowing whether or not you need this cover can be confusing. To make things a little easier, the following steps outline a few of the most common scenarios in which having a Life Insurance policy is beneficial, and will help you decide if you need this type of Life cover too. If you’re a parent: If you’re a parent or about to be one you might want to consider taking out Life Insurance. Being a parent doesn’t come cheap - in the UK the estimated cost for raising a child from birth to age 11 comes in... (read more) Author: Richard Harry

212. More Utah Tows in 2015 March 24, 2015 Towing and recovery are slated to be an even bigger industry within the state of Utah in 2015. At the end of 2014, a state law was passed which requires drivers to turn over their vehicles for impoundment immediately if they are caught without insurance. Compared to many other states, Utah has a relatively low number of uninsured drivers on the road. However, Sen. Lyle Hillyard, the man who sponsored the new law, says it is “a worthwhile price for the greater good.” When an uninsured driver and insured driver get into a collision, the uninsured driver usually has very little means to bear the ... (read more) Author: Jen Stott

213. Pros and Cons of an Estimated Car Insurance Cost March 16, 2015 Although the vast majority of drivers still purchase insurance through the old-fashioned way from agents, this old trend is gradually shifting to a new method that more and more people are now buying insurance online. Most major insurance companies have created easy-to-use forms on their official websites, allowing customers to renew or purchase coverage via Internet. Potential customers are even provided with a tool/calculator to get an estimated car insurance cost. In case you are not familiar with car insurance calculator, it is a tool for you to basically predict the average amount you sho... (read more) Author: javier v boix

214. A Primer On Commercial Insurance For Your Business Trucks March 04, 2015 When it comes to purchasing commercial insurance for your trucks, you must research which types of coverage are best for your company and how to remain within your budget. Types of Coverage When you initially shop for commercial insurance for vehicles, you will notice that there are several different types of coverage. The types of coverage that you require will vary greatly depending on the type of trucks you own and the cargo you will carry. One type of coverage that your fleet will need is commercial auto liability, which will pay for damage to property and bodily injuries in... (read more) Author: Aaliyah Arthur

215. Why Do I Need Commercial Truck Driving Insurance? March 04, 2015 Everything that has a motor has to be insured. Commercial trucks are no different. But what kind of commercial truck insurance is best for you and why is it important? Commercial truck driving is a lucrative business. One can work for a major company or be an independent contractor and work for hire. Commercial truck drivers can work alone or in groups, as well. There are several types of commercial truck insurance plans for drivers. The most important motor coverage is primary liability, which can cover a driver across state lines. Primary liability is required for all drivers. Tractor-t... (read more) Author: Aaliyah Arthur

216. Common Health Insurance Terms Made Easy March 04, 2015 Finding health insurance seems like it gets more and more complicated every year. There are many unfamiliar terms that make it hard for the average person to understand what's covered and what's not under the plans they're considering. Much of the time, plans differ by the level of the deductible and the amount of copay or coinsurance that customers have to pay. Here is an explanation of those terms for a better understanding of exactly what you're buying. - Deductible. This is the amount you owe for services your plan covers before the insurance company will pay a claim. For example, if... (read more) Author: Aaliyah Arthur

217. Why you should consider online income protection quotes March 02, 2015 Ever considered income protection insurance? If the answer’s no then you wouldn't be in the minority - when compared to life insurance, few people understand the value of income protection. In fact, statistics on how UK households plan to cope with financial hardship show that, whilst 36% of UK households have life insurance, only 8% have income protection insurance. Financial hardship could entail the loss of a loved one and primary contributor to the household income. Whilst this can have a dramatic and lasting effect on both you and your finances, statistics show that you are 3 times more... (read more) Author: Richard Harry

218. Signs of a Quality Insurance Company February 16, 2015 The insurance company you choose to protect you from loss in the event of an accident or situation needs to be a trustworthy one. Know what to look for as you analyze and examine different companies and policies to ensure that you choose the right coverage. Positive Ratings Rely on the assessments of the rating companies, whose purpose is to analyze the quality and financial wellbeing of insurance companies. Check the rating of any insurance company you are considering. As you check ratings, compare them to learn which business has the highest rating. Higher ratings have a direct cor... (read more) Author: Andrew Stratton

219. How Crucial is Critical Illness component of Life Insurance? January 26, 2015 When you buy Life Insurance, there's nearly always the option to extend your cover to include Critical Illness cover. But with so many options to check and boxes to fill, it's easy to see why this cover is often overlooked. To make things a little easier we've outlined exactly what critical illness cover is, its key benefits and just how much it can affect your premiums. Often abbreviated to ‘CIC', Critical Illness cover is designed to pay out a tax-free lump sum upon diagnosis of a set, but expansive list of critical illnesses. It's bundled with your Life Insurance policy and so the amou... (read more) Author: Richard Harry

220. When is it Time to Replace Your Car's Windshield? January 07, 2015 You are driving along, enjoying the scenery when a small rock flies out of nowhere and hits your windshield with a sharp crack. You flinch, look for damage, then continue on your way. A small chip is not a serious problem for your windshield…or is it? Don’t underestimate the importance of a secure windshield. If you get into an accident with an already damaged windshield, it could pop out of place and potentially cause the roof of your car to collapse. Windshields do not only live up to their name by shielding you from the wind; they also add support to the entire structure of your vehic... (read more) Author: Jen Stott

221. Hiring a Commercial Insurance Agent in Castle Rock, CO December 30, 2014 If you are a new business or startup in Castle Rock, CO, commercial insurance is undoubtedly one of the most basic necessities your company needs to have. Be it employees’ health insurance or worker’s compensation, liability insurance or a comprehensive business owner’s policy (BOP), there are a lot of things you need to know and a lot of things you need to take care of. Being an entrepreneur or the head of a small business is no easy task and it would be certainly very difficult to handle your company’s insurance needs along with your other business operations. Hence to help businesses and th... (read more) Author: Bruce Markey

222. Buying Life Insurance Online: Why it pays not to delay December 23, 2014 2015 is hot on our heels, so it's no surprise that many of us will feel like it was only yesterday that we were welcoming in 2014. With the close of December providing the opportune moment to reflect on the past few months, it's easy to feel a little disheartened by all those unticked boxes on our annual to-do lists. But with work, holidays and celebrations aplenty, who can blame us? Those 365 days really can fly by. It's something we're all guilty of: finishing the minor, easy-to-complete tasks whilst putting those less appealing ones on the back-burner. And whilst there are some jobs... (read more) Author: Richard Harry

223. How Driving Licence Insurance Can Save you Money December 12, 2014 If you were asked to list your most highly prized possession, it’s likely your driving licence wouldn’t make the top 10. Yet, when you consider all that it enables you to do, it might be worth a little reconsideration. Having a driving licence affords a level of independence and freedom that previous to, would not have been possible. Whether it’s popping to the shops at a moment’s notice or not having to rely on train times to dictate your daily plans, it’s safe to say that your little pink card makes life a whole lot easier. So what are you doing to protect it? With life’s everyday ... (read more) Author: Richard Harry

224. One Simple Step Towards Affordable Life Insurance October 09, 2014 Buying life insurance can be expensive, so if there’s an easy way to cut costs it makes sense to take advantage of it. After all, we’re only human. One of the easiest ways to shrink the size of your premiums is to source insurance through a commission-free broker. Simple? Yes. Obvious? Perhaps. Well-known? Unfortunately not. It’s a simple money saving strategy that so many fail to take advantage of, but here’s why you should… Commission is the money-maker for brokers, the main culprit that drives up the cost of what should be an inexpensive product. The inflated price of the pol... (read more) Author: Richard Harry

225. Rescue for Pine Grove - Data Recovery Resurrects a Library October 05, 2014 Rescue for Pine Grove: Data Recovery Resurrects a Library By Steve Burgess, 2014 On the morning of May 21, something happened. Suspicion fell first on kids playing with matches. But a Fire Department investigation soon revealed that it was faulty wiring in the walls that started the fire. The temporary building that permanently housed the Pine Grove Elementary School’s library in the town of Orcutt, California was no more. The formerly bright interior had taken on the cast of a coal mine. Well before the investigation was concluded, community members and organizations donated ... (read more) Author: Steve Burgess

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