Life has been tough over the last two years as the recession has bitten into family budgets. It’s difficult to keep a job and even more difficult to find a new job, so decisions about transport become critical. How can you keep a job or look for new work if you don’t have your own vehicle? In some cities, life is not so bad with subways and other forms of mass rapid transit. But we hate the idea...

The Brits used to have a saying, “Your home is your castle”. The idea is simple. Once inside, you can protect it against all-comers. As long as you are using reasonable force, the law of self-defense covers both you as a person and your property. But no one can or should stay home all the time. You have to go out to buy food, if nothing else. So when you do venture outside, how much are you worth?...

You cannot be sure that you’ve gotten the best health insurance coverage unless you understand health insurance terminology. Here are some of the most commonly used terms in the health insurance industry. COBRA: The Act that allows for continuation of group coverage for a limited time after you leave the group. Co-insurance: The amount you must pay for treatment after copayments and deductibles. Copayment:...

With unemployment rates reaching an all time high and economic recovery that brings in new jobs slow to appear, freelancing and working from home are becoming more and more popular among the recently laid off. Whether you have the choice to work at home or not, you need to make sure that your home business is properly insured through your home insurance policy. Is Cheap Home Insurance Good For Business? One...

Sometimes life just is not fair. You think you have done everything absolutely right and then circumstances show you everything is turning out wrong. So it is that you get to see the end of hope played out in court cases. You know it should never come to this but, when it comes to people’s lives, there are few real choices if you feel you want justice. You do your best to be reasonable. You offer to settle....

If you own a car for quite some time, you probably know how much money it takes to maintain it in a good condition. With the past years the payments on insurance have increased so much that people no longer want to have it. Unbelievable, isn’t it? If you are not a newcomer to driving, you probably have always invested big sums in your cars. A good driver knows that the better conditions he will provide,...

Insurance companies are known to cost lots of money. They make your face pale just with one thought. But hey, brighten up! It doesn’t have to be a nightmare. It can be pricey but without driving you totally nuts. We all were born to believe that good things don’t come free when it comes to purchases. We hate to break it but this is not so. You can save pretty much on anything you want nowadays without...

Recently, President Obama made a big speech. He was worried about education standards. He wanted to divert more resources into improving basic reading skills and giving people a better understanding of the world around them. It was interesting to see how many voices were raised in complaint. They did not agree it should be a high priority for people to know more about the world. These are the voices of big businesses...

Those who own a mobile home often ask if there’s a type of insurance that is something between home and car insurance and is suitable for covering their property. The answer is positive, as there is a special type of insurance products designed to cover mobile homes, and they are relatively inexpensive, with premiums of about $250 per year. And if you really want to make sure that your mobile home will...

Those in the realty business say location is everything. Whether you are buying or selling, a good location always commands a good price. When you apply this to the insurance industry, location is also a vital part of the assessment of risk. Excluding California which had the wisdom to exclude the use of zip codes in calculating auto insurance premiums, almost all the other states allow insurers to price risk...