Once you’ve gotten through all that the house-hunting and mortgage-processing process entails, the physical task of moving probably seems like it will be easy, by comparison — and we truly hope it will be! But we have a few tips for you, in order to help avoid common pitfalls and give you a greater chance of a smooth, hassle-free move that costs you no more than it really needs to cost. One of the tasks involved in moving – for those who plan to move themselves – is to rent a moving truck. By planning ahead, you can avoid unnecessary hiccups on moving day, allowing your transition to go as smoothly as possible. [Read more…]
A cursory look at the first page of insurance terms and definitions might have you ready to run for cover — or put off finding an insurance agent even longer. I’m guessing you would have the same kind of response to this list of banking terms, but you’re not stuffing your savings into your mattress, are you? Insurance doesn’t have to be complicated, and just like banking, the average American needs to know only a handful of terms in order to navigate through what’s often a jargon-ridden maze.
Here at Nicholas Insurance, we want to help take some of the confusion out of the insurance process. So let’s get started.
What Kind of Homeowner’s Insurance Do I Need?
Generally, you want to be concerned with insuring your health, your life, your finances, your possessions. If you’re like most Americans, a house is the single most significant investment you’ll ever make, so you won’t want to skimp when it comes to your Homeowner’s Insurance. Guaranteed Replacement Coverage is a good idea; it basically means that your insurance company will completely replace your home — if it is destroyed, regardless of the amount of money involved. [Read more…]
Whether you rent a moving truck or hire movers, there are some steps you can take to make sure you avoid any unnecessary hurdles during your move. If you’ve never moved before or it’s been a while, you may not realize all that goes into a successful relocation. No matter how far you’re moving or how much stuff you have, the goal is always to safely arrive at your destination, without using any more energy or money than necessary. If that sounds like a good idea to you, read on! [Read more…]
People have all kinds of reasons for not getting a life insurance policy. Whether you think you can’t afford it, don’t need it, or already have one, we’re pretty sure we have a good answer for your objections. And if yours isn’t on our list, we’d love to hear it — and be challenged to figure out if we can answer your unique reason with a convincing retort! [Read more…]
Renting is a popular housing option for many reasons. The decline in the economy has made it difficult for some to afford mortgage payments or to get approved for a loan. Some people rent because their time in a place is temporary, and they want to take advantage of a short-term lease.
Frequently people don’t like to have to be responsible for the maintenance or yard work on a property, and so they rent a condo, townhouse or apartment to keep their responsibilities to a minimum.
Sometimes renting is the only option when moving to an area, especially when looking for a place in a big city. [Read more…]
According to a study conducted by the National Institutes of Health, distracted driving proved to be the most significant factor in teen drivers’ having crashes or near-miss situations. Compared to when they weren’t distracted by performing other tasks, teen drivers demonstrated significantly increased likelihood for accidents when they were engaged in three particular types of behaviors:
• Reaching for a phone or another object (7 to 8 times as likely)
• Texting (nearly 4 times as likely)
• Eating (3 times as likely).
Passengers Increase the Risk for Crashes
Whether you and your crew more closely resembled Fonz and the gang from Happy Days or Fez and his friends from That ‘70s Show, you probably have some high school memories of driving around with the windows open (and maybe the top down) on summer evenings, completely carefree. Ah, those were the days! Unfortunately, not everyone has fond memories — or any recollection at all — of joy rides they went on as teens.
In fact, while your kids and grandkids might be less likely to enjoy a cruise with friends, they’re also more likely to survive to see their twenties. According to 2013 data, 2,524 teens died in motor vehicle crashes in 2013. While that’s 2,524 too many, it’s still 11% fewer than the number of automobile-related fatalities that occurred in 2012 and an amazing 71% fewer than occurred in 1975! [Read more…]
In addition to the kinds of things that make up baby registries and line the closets and walls of nurseries, there are some must-have items that every new parent should consider. Regardless of your income level and budget, it will really pay off to plan ahead. In addition to the tips provided in our first article, here are some added items to consider.
Start a Savings Account for Your Child
If you desire to save money for your child’s college fund, you need to start now. If you don’t include it in the budget before diapers and Little League and increased auto insurance fees start eating away at your monthly funds, you probably never will. You may want to consult a financial advisor to figure out what makes sense with your family’s finances. [Read more…]
As offensive as it may seem to refer to the greatest blessings of our lives as having “enormous financial consequences,” as one blogger put it, children do bring a huge dimension into the financial arena of our lives. While the exact cost can be difficult to calculate, the numbers are truly daunting — even for the most financially secure parents.
Initially, of course, the cost is relatively low. While it’s easy to get caught up in all the gadgets and baby couture, there are really only a few essentials your new child will need. But there are other, more significant purchases that every new parent should consider — purchases that will by far outlast the nursery décor and miniature clothes.
Let’s look at a few key financial and legal must-haves to check off your list before your little angel makes his or her grand debut. [Read more…]
Many of us are prone to buy the latest electronics for entertainment purposes or splurge on luxurious vacations or trendy clothing but still can’t find the money for Life Insurance. In Part 1 we began to explore reasons for overspending, which can lead to having too little margin to afford Life Insurance.
Take control of your finances and demonstrate power over them, instead of letting your every whim control you. The reality of exerting that kind of power will pay dividends. Reasons #1 & #3 from this list of the top ten reasons why people overspend are connected to the idea of control. [Read more…]