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9/25/2018 8:51 AM | 0 Comments

Ensure your Legacy with Life Insurance Too many people are taking an unnecessary risk by not protecting their loved one with life insurance. That's the message from the non-profit consumer support organization Life Happens to mark September's 2018 Life Insurance Awareness Month. And it's not just a glib statement that's trying to sell you life insurance. There's a genuine concern about how survivors have to struggle after the main wage-earner in a family dies. According to a survey by Life Happens and the global insurance research group LIMRA, one out of every three households would have immediate trouble paying living  expenses if the main earner died. It's truly amazing that around 95 million adult Americans have no life insurance, even though many of them recognize that they need life coverage, Sometimes, they don’t think they can afford it, when the truth is that some types of life insurance are incredibly cheap, even costing less than fifty cents a day. Aldrich Taylor is among those ... [...]
7/26/2018 8:36 AM | 0 Comments

The Secret Sauce for the Perfect Outdoor Party Have you ever been to a poopy outdoor party? Or maybe it was just mediocre and unmemorable. You know the sort of thing: the food was crummy; people drank too much; the music was too loud; it was just plain boring. And so on. Who wants that? Not at your place for sure. If you're hosting an outdoor party this summer, the secret sauce of success is as simple as this: Make a plan It needn't be a flashy or expensive event (though it can be if you want). It just needs to be carefully thought out. If you're not sure how to plan an outdoor party, let's look at some of the essentials. Where to Start with Outdoor Party Planning There are a few basic items you need to decide at the outset for your outdoor party. These include the intended date -- which you should check against your calendar for potential clashes -- the time and duration. Then, there's the question of a theme or party type -- and the budget to pay for it. Will it be a semi-formal affair ... [...]
6/19/2018 8:30 AM | 0 Comments

One of the questions many newcomers ask is: Are smart homes safer? Set up and used properly, they certainly can be. For example, smart doorbells with camera technology enable you to answer a "ring" at the front door wherever you are, so the caller doesn’t know whether you're at home or not.

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10/5/2015 10:00 AM | 0 Comments

Crooked contractors wanting to steal from homeowners is a common problem. They often will offer bogus repairs that are not even necessary. In some cases, no work is even done. These dishonest contractors love times after heavy rain or wind. After such disasters pass, they are happy to swoop in on unsuspecting homeowners who are desperate for quick repairs.  While the majority of contractors out there are honest, it is usually the ones who go from door to door offering help who are untrustworthy. Good contractors have no need to solicit themselves in this manner. People who go knocking on doors usually say they walked by and happened to notice something wrong.  If there was a recent storm, they may simply show up and offer to fix something that is clearly damaged. Homeowners could lose thousands of dollars falling for these scams. In addition to this, the ensuing headaches from trying to pay even more for real repairs or trying to recover money from a con artist complicate the situation. If a p ... [...]
9/28/2015 10:00 AM | 0 Comments

Car companies may not make engines the way they used to - but they're making cars safer and more crash-proof per pound than ever before.  And that is a good thing when it comes to your Auto Insurance rate.  From materials to GPS technology to microchips, innovation has made a wide variety of potentially life-saving technologies cost-effective and affordable for the car buyer. Car safety devices and features can be separated into two categories: Passive devices (seat belts and airbags), and active devices, which proactively help drivers avoid accidents, not just survive them. In some cases, insurance companies may offer a premium discount for owning vehicles with some or all of these safety features: Intelligent Airbags In the old days, the saying was that airbags were as dangerous as the accident itself. They opened with such force that they could injure smaller and lighter crash victims. The new generation of bags can sense the size of the crash victim, and their forward speed, and automaticall ... [...]
9/21/2015 10:00 AM | 0 Comments

When you buy a home and take out a mortgage, part of the agreement is that you will purchase adequate homeowners insurance coverage. Adequate coverage usually means that you are insured for the replacement of your home to 100% of replacement value  or that your home has enough coverage to address the amount of the loan. The latter just means that the mortgage company wants enough coverage to pay the outstanding loan balance but most homeowners policies do not cover the loan amount, just the rebuilding of a home. In a nutshell, the mortgage company wants to make sure that they are protected if your home suffers an insurable loss such as fire or water damage. If you are in a flood zone, they will require you to get separate flood insurance, as regular homeowners policies exclude damage caused by flood and ground water. Your mortgage company will, at a number of times, prompt you to provide proof of home insurance. This typically happens when: Your first purchase your home; this will be done through ... [...]
9/14/2015 10:00 AM | 0 Comments

Inattention, driving under the influence of alcohol and excessive speeding.  These are all actions that can greatly affect your premium.  Such drivers ultimately cause accidents, occasionally ending the lives of innocent people. In addition to the expenses and punishments stemming from legal trouble, reckless drivers also end up experiencing higher auto insurance rates. Other penalties will involve license suspensions, taking classes through the DMV and fees. Auto insurance following such a reinstatement is much more expensive than traditional rates. Why is your premium so high?  When auto insurance companies calculate premiums, the most important issue they research is the customer's driving history. Tickets and auto accidents usually stay on a person's record for three years.  Major infractions can stay on your record for up to 10 years! Age, gender, driving frequency, parking location, car type, and desired coverage are also considered.  Now, I know you don't have control over yo ... [...]
9/7/2015 10:00 AM | 0 Comments

Numerous factors contribute to the longer average life spans of today's world, and car safety is one of the major factors. New advances in safety features has resulted in less people die in accidents today than they did several decades ago. Cars that drive automatically may seem futuristic, but so did many of today's features several decades ago. Car safety technology is advancing rapidly. The following points provide some examples. Adaptive Cruise Control In the past, cruise control was simply about setting a desired speed. However, a driver not paying attention could still slam into the back of another vehicle. With new technology, there are sensors installed in many vehicles' cruise control features to warn the driver or apply the brakes when they get too close. If a collision is sensed, the brakes will be applied hard. The seat belts will also tighten. Granted, this is not an invitation for drivers to give in to distractions, but it could prevent such mistakes from costing motorists their lives. Tire P ... [...]
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