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The Unexpected Average Cost of Owning a Dog in the First Year

Posted by on Oct 7, 2015 in Blog, My Favorite Things

Most people underestimate the average cost of owning a dog, especially in the first year. The upfront costs can quickly pile up and overwhelm you if you’re not prepared. Puppies have a mysterious power over us. One look into their wet, doughy eyes and all sense of rational thinking and reason are thrown to the wind. Checks quickly tear from their captive books, credit cards swipe furiously through machines, and we cuddle and laugh all the way home, happy as can be. It’s a great feeling–until reality sets in. You go to the pet store, you go to the vet, you go to the groomer, and then you take a look at your checking account. Whoa. Didn’t expect that to happen, right? The average cost of owning a dog is not something many people take into account when they...

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A Kitchen Appliance Maintenance Checklist to Avoid Costly Repairs

Posted by on Oct 5, 2015 in Blog, My Favorite Things

Consistent kitchen appliance maintenance can save a lot of money for little time. Use this checklist to focus on your upkeep and to make your kitchen investments last as long as possible. You wake up on a typical Monday morning, go through your usual routine, and start a pot of coffee. As you sit down with your steaming cup and check your emails for the day, the refrigerator starts to make a low, humming noise. You don’t know why it’s happening, but one thing strikes you right away: it sounds like money draining out of your bank account.Consistent kitchen appliance maintenance can save you the hassle of unexpected repair costs. It’s much easier to keep up with these appliances than you’d expect. The key is to treat these expensive items as investments–you want to maintain them for as long...

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Four Tips to Help You Replace Your Belongings Quickly Should Disaster Strike

Posted by on Sep 28, 2015 in Blog, My Favorite Things

From tornados to fires, disasters can happen anytime.  There’s no calculator for when one might come your way.  And if you haven’t taken the proper precautions, the results can be devastating.  One important way to prepare for disaster is to know what posessions you have and assess the value of those belongings ahead of time.  By knowing this information and having it in an organized manner, your insurance provider can more easily deliver a payment to help cover the cost of replacement in the event of damage or loss.  Below, we’ve provided a few tips to help keep a better record of your belongings and be able to bounce back from a disaster a little more quickly.Tip #1: Make an inventory of your itemsOnce they’re gone, it can be difficult to remember every item that was lost.  Be proactive...

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Counting the Cost of Security

Posted by on Sep 1, 2015 in Blog, My Favorite Things

How to Decide if Renters Insurance Is Right for You.One of the primary characteristics of renting property is sharing building space with other tenants. Now, that can be a great thing if your neighbors are friendly, responsible adults like you are. But what if that’s not the case? As a renter, you’re often subject to every bad decision your neighbors make. They throw a house party at 3:00 a.m. on a weekday—you get to share in the fun. They leave their oven on for the weekend—you hope they didn’t leave the gas on, too. Renters Insurance is a relatively inexpensive way to protect your personal property from the dangers of renting. But how do you know if Renters Insurance is right for you? Fortunately, there’s a simple test you can do to see if you’re a good candidate for...

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10 Ways to Cut Utility Costs During the Summer

Posted by on Aug 17, 2015 in Blog, My Favorite Things

When we think of summer, we think of vacations, sun, and outdoors. However, with all those good thoughts, we also get the skyrocketing energy bills. You are not totally helpless. There are several things that you can do to minimize your summer utility costs. Here are some things you can do to help cut the costs of high summer utility bills: Cook outside – The air conditioner will work overtime trying to counteract the heat from your stove and oven. Fire up the grill as much as possible. Close the blinds and drapes – Don’t underestimate the power of the sun. Sunlight hitting objects in your house produces radiant heat. Again, this makes more work for the air conditioner. Wear less – Try open-toed shoes, shorts, linen, and clothing that offers little insulation. This will allow you to keep...

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Think Twice Before Making That Rant on Social Media

Posted by on Aug 1, 2015 in Blog, My Favorite Things

When it comes to your homeowners policy, did you know the liability section covers only “bodily injury” and “property damage?” Thus, any type of non-bodily injury, such as personal injury, is excluded without the attachment of a personal injury endorsement.Examples of personal injury claims include wrongful eviction, wrongful entry, and oral or written publication that injures a party’s reputation. This latter event is becoming particularly problematic with the rapid growth in social media.So here are some tips to carefully manage your personal injury loss exposure. Exercise caution when posting on social media sites. Anything negative you share on the Internet is permanent. Avoid highly controversial subjects, sensitive political issues, or inflammatory remarks. Taking the high road is the best approach. If you are blogging or communicating on social media, be careful that you have your facts straight. If it...

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