Comparing Car Insurance Policies Is Necessary and Smart

In this century, where every other insurance company will be hovering over to indirectly convince that they are the best, what you need to do is shop around and compare. It should be the only task on which you will have your complete focus if you care about the kind of leap you will be taking according to your economic standards. You have to make sure that your money and time and trust in not built on a wrong foundation. If it is, then there are chances that your reliability might falter and crumble down in your crucial situations, just because you didn't take the trouble to look for the best policy plan and selected the first one that you laid eyes on.

Factors responsible for comparing the car insurance policies:

  • Different insurance companies have different comprehensive structures on their price list, premium rates, base rates and several other components. It is a mandatory need to go through the various plans offered by companies so that your ultimate quote is exactly according to the terms that you were looking for. Get to know the generic market rate and that rate might not only depend upon the price and model of your car. So, after comparing you can select the insurance company which will accommodate your needs in both quality and cost benefit in terms of that quality.
  • If you compare the policies, you have the upper hand in terms of gaining maximum by paying the minimum. There are certain choices that you have to make while considering of IDV and voluntary deductible that is, the excess that the insured has to pay over the period of the claim. An online differentiation of the corresponding rates might help you get over the benefit of the doubt and set the cost range according to your requirement and the amount you are ready to invest.
  • Additional set of covers for your car which is your primary asset is mostly decided after you have weighed and balanced your requirements and the price you must pay to acquire those requirements. Hope to find the best fit after going through various add-on cover policies of different companies.
  • It has now become a tradition to give various offers on car insurance to just engage and increase the number of people getting insured from their company. Parallel correlation of all the features that come with the discount and the other offers need to be understood so that you eventually don't end up missing a good deal.
  • Checking and re-checking the reviews of reputed resources is must. It is the final and yet the most important factor because it is only after reading a good review that you will decide to look over that company plan available in the industry. In case the reviews aren't satisfying that human need for complacency, then you might not be interested in going through the compensation policy since you definitely won't want to settle for less when it comes to your long term

Shop Smart & Save Money 2019

In this eCommerce era, it has become possible to find the best deals using a smartphone or a laptop, and get it shipped to your doorstep. It also became possible to score deals in stores, online and through apps.

There are 3 ways to shop smart and save money in 2019, before buying, while buying and after purchase.

1-How to save money before buying an item?

When I find a product I want or need, the first step is to decide whether to purchase it online or in store. Then what store or online platform offers the best quality to price ratio. I also look at some elements that I believe to be very important before making any purchase:

-Shipping Policy: It's important to know if a price tag online comes with free shipping or if the customer is responsible for this cost.

-Return Policy: It's also important to find out if a seller or a shopping platform offers free returns or not. With a free return policy in place, the seller will pay for the return shipping cost if the customer does not like the item received.

-Location: Where is the item you are purchasing being shipped from? The items origin location will determine how long it should take for your item to arrive. However there are a lot of online sellers that use the drop shipping method. When the consumer purchases, the seller (who doesn't have the item on hand) then has the manufacturer or a 3rd party entity ship the item to the customer. These items are usually being shipped from overseas from countries like China, which will take a lot longer for the for the item to arrive. If you are OK waiting that long for shipping it makes no sense to go through a drop shipper, you could pay less by going directly to Alibabba or ALiexpress websites.

Following are some ways I use to score some good deals
Disclaimer: This post contains affiliate links to products. We may receive a commission for purchases made through these links.

Shop & Save Money

-Goodwill Outlet Store

Goodwill Outlet is a good example of a store that I never visited before 2018. Now I can go there and buy as many items as I want for very cheap, and if I'm lucky enough that day, I can find some brand name items , to keep or resell online. I can pay up to $ 1.49 for a pound of clothes (prices vary depending on location). The Goodwill outlet in my opinion is not only for someone who resells online. I encourage you to visit the Goodwill outlet store in your area, it's an experience that you will enjoy if you like finding deals, and it's for a good cause. If you decide to go after reading this article or if you have been there, please share with us your experience in the comments area for everyone to learn from

-eBay Auctions

eBay is another platform where you …

The Smart Woman's Guide to Planning for Retirement by Mary Hunt – Personal Finance Book Review

Money maven, Mary Hunt, returns with a new book, "The Smart Woman's Guide to Planning for Retirement," to help women prosper financially in the New Year and beyond. While geared toward females, men can also benefit from Hunt's money knowledge, honed after she amassed over $ 100,000 in debt earlier in life; and took 13 years to erase.

"Have you had a retirement wake-up call?" Hunt asks early in the book. "I can promise you they intensify with age."

Hunt sites a 2012 survey that found that 92 percent of women of all ages do not feel educated enough to reach their retirement savings goals.

Saving for retirement requires determination and hard work; and Hunt believes women can succeed. "If we lack confidence, it's because we lack knowledge and desire, certainly not because we lack intelligence and ability," Hunt says.

Time trumps all factors when saving for retirement. The sooner you start, the better. But, Hunt emphasizes, regardless of what stage you are in life, you must begin now. "It's only too late if you don't start now. No matter where you are or how little you think you have, start now. Today. Start. Saving." Take baby steps to produce long-term results.

Hunt's teachings feature:

Retirement Savings Plan . Hunt promotes a six-step Retirement Savings Plan, which includes:

Build an emergency fund. Also known as a Contingency Fund. Save money for life's unexpected expenses (car repairs, home repairs, etc.) This money needs to be liquid (easily accessible within two or three days), safe from erosion (build in a risk-free savings account) and able to fund at least six months of living expenses should a job loss or other compromised income event occur.

Get out of debt. Eliminate all unsecured debt (credit card debt, student loans, personal loans). Hunt says they're like cancer stealing your future. Incorporate Hunt's Rapid Debt-Repayment Plan (RDRP) to abolish the debt.

Own your home outright . Buy half as much house as your mortgage approval. Make monthly mortgage payments equal to the full approval amount to own your residence in half the time. Fiercely protect your home equity (the difference between your home's market value and mortgage balance). Avoid taking a home equity loan or line of credit, which resets the clock on a thirty-year mortgage.

Consider hiring a financial planner once debt is eradicated or managed, a respectable amount in savings is amassed, retirement funds are growing, or an IRA inheritance or other cash windfall appears.

Hunt describes three types of financial planners:

  1. Commission-based. This planner does not charge based on time, but by selling investment products. He or she earns commissions on those sales.
  2. Fee-based. This planner works on a fixed fee or charges by the hour. Fees are stated up front and the planner is a registered investment advisor (RIA). They're required by law to meet fiduciary standards, making them responsible for putting the best interests of their clients first.
  3. Combo. This planner is a combination of the first two. Clients pay a

Sustainability = Smart Business

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