Monthly Archives: | April, 2014

Is Lack of Patience Ruining Your Investment Success?

With Kiplinger reporting that the U.S. economy is expected to grow by 2.7% this year, many Americans are starting to feel more optimistic about investing again. Of course, as any investment advisor can tell you, it’s still a tricky, trap-filled world out there. You need to exercise adequate asset protection and make smart decisions based on the facts of the world markets if you really want to be successful in 2014. Four Simple Investment Tips for Success in 2014 Invest in Equities For Bankrate, the smartest investment decision you can make this year is investing in high-quality growth stocks. Both the industrial and technology sectors are estimated to really pick up over the next decade. Investing now, so long as the world economy continues growing, means seeing returns not too far down the road. It’s Better to Be Patient and Successful When you’re first beginning to invest, there is a very real temptation to invest in the stocks that will bring you the highest returns in the shortest amount of time. The problem? As CNN Money writes, those high yield stocks are too volatile, meaning that just as they can give you big returns fast, you can also lose everything

Getting Appropriate Home Insurance

About 2 percent of your annual income goes to pay the amount of a typical home owners insurance quote in the U.S. Finding online homeowners insurance quotes can help you manage those costs in your favor. The total homeowners insurance industry in the U.S. represents about 70 billion dollars. That means that a lot of businesses are competing to provide affordable homeowners insurance quotes. To find the best deal on your online home insurance quote, you should do some preliminary research to understand which companies and insurance agents will make the most sense for your situation. Your research should also focus on various tips for buying homeowners insurance since some policies may not have everything you are looking for. Also, you can solicit input from your friends and family about their home insurance experience. They may also be able to help you figure out the average cost of homeowners insurance in your area. Regardless of the various recommendations you receive, you will want to get a sense of the various pieces of homeowners insurance or a property insurance policy that is important to you. For example, additional policies covering earthquake or natural disaster damage may rank high on your list

How an Insurance Adjuster Can Save You Money

There are things in life that we cannot plan for. We don’t always get to know when disaster may strike or a loved one will fall ill or injured. We do our best however, to prepare for the worst case scenarios while hoping for the best. One way that we attempt to safeguard ourselves against potential harm is by purchasing insurance to cover different aspects of our life. Insurance claims can be filed for many different areas of a person’s life. Homeowner insurance claims, car owner insurance claims, and property damage claims are just a few of the different claims an individual may file under different circumstances. There is a chance however, that your insurance claim may not be enough to cover the damages incurred. In these situations it may be necessary to go through the insurance appraisal process. The insurance appraisal process is necessary for those who wish to appeal the amount of financial relief provided by insurance companies. A public insurance adjuster will come to your home and assess the damage and your particular situation. If, after the home insurance appraisal or car insurance appraisal, the public claim adjuster feels as though the amount of money provided does

Three Ways to Get Better Life Insurance Rates

About 93% of American families think life insurance is essential, and yet three out of every 10 households don’t have a policy. There are several reasons why. About 10% of people are afraid of making the wrong choice, and so they don’t make any choice at all, and even more are worried that they can’t get affordable life insurance rates. Whether you’re looking for a cheaper whole life insurance policy or just want to figure out how to get a great term life insurance quote, here are a few tips to help you get better life insurance rates than what you’re getting now. Quit Smoking. Mark Twain once said about smoking, “Quitting is easy. I’ve done it tons of times.” Well, if that were true, then the times when Mr. Twain had “quit,” he would’ve gotten better life insurance rates since smoking is the number one risk factor that increases cost. Smokers’ life insurance rates are twice that of non-smokers, but after about a year of being smoke free, most insurers will return their rates to the normal levels. Get Your BMI in Line. Obesity is second only to smoking when it comes to life insurance rates. Insurers know that

What to Look For When Purchasing Insurance

When shopping for insurance it is important to look for a company that offers you car, home and life. If you own a business you can work with a company on helping you find the best business insurance. When looking for insurance check out one that offers comprehensive car insurance coverage and look into other areas. The homeowners insurance industry is worth 70 billion U.S. dollars in revenue nation-wide. Flood insurance is a type of home insurance that many home owners have to purchase. Flood insurance is not costly as in 2012, the average flood insurance policy premium was $650 per year. Unfortunately, only 20% of American homes at risk for floods are covered by flood insurance. In certain flood prone areas the federal government requires flood insurance to secure mortgage loans backed by federal agencies such as the FHA and VA. A flood can do a significant amount of damage to your home. From 2003 to 2012, flood insurance claims averaged 3 billion U.S. Dollars annually. In 2012, the average flood claim amounted to $34,000 dollars in the United States. Workers compensation insurance typically covers medical bills in association with an injury or illness that occurs while one is