Is Renters' Insurance Really Necessary?
You and your landlord share a common goal: You both want to ensure the protection of your interests. Obtaining a security deposit from you -- usually ranging from $100 to a full month's rent, and averaging $250 -- is how your landlord obtains a degree of insurance from you. The deposit covers your landlord should you cause any damage to your apartment while you are a tenant. Your landlord, in turn, may keep the deposit if you fail to pay your rent or you leave before the end of your lease. However, if, as a tenant, you keep your end of the bargain -- following the terms of your lease and leaving your apartment in good condition when you leave -- the deposit is refundable.So how do you protect your own interests as a tenant? Renters' insurance.
If you're an apartment-dweller, you're probably accustomed to brochures dangling from your door that advertise various renters' insurance policies. And if you're like many renters, you probably disregard them. But you may want to consider taking out insurance. Before you say, "But I'm not going to cause any damage to my apartment," remember that renters don't always cause damage themselves. Mother nature, or other tenants with little regard for your property, could prove to be the source of your problems later.According to Metropolitan Life Insurance Company, policies typically provide coverage for the following renters' pitfalls: * Damage to personal property from fire or wind * Theft * Personal liability in the event you are sued over accidental injury to others who are in your apartment * Accidental damage to property of others in your care * Living expenses if you are forced to live elsewhere while your apartment is being repaired This list doesn't begin to elaborate on the multitude of other possibilities for disaster: An electrical surge fries your computer, television, and/or stereo; while visiting your neighbor, you tip over his barbecue and start a fire; or you accidentally cause injury to someone away from your apartment; and the list goes on and on.
And of course, as we've all discovered, we can never discount such crazy-sounding possibilities -- because they can and do happen if and only if we're not prepared (or covered) for them.Note that renters' insurance policies may differ according to the insurance company in question, as well as the laws in your state. An insurance representative will be able to determine what type of policy best meets your needs. If you've thrown away all of those brochures dangling from your door handle, the Internet is a good place to do your homework -- specifically apartment-search sites. Links to renters' insurance information will fill you in on the details, and you may apply online..
Since 1989 dan the roommate man has helped 1000's of people find roommates. Need help? Contact him at 800-487-8050 or www.roommateexpress.comHealth Insurance Professional, Sharon Alt, to Host Online Talk Radio Show on VoiceAmerica? Health & Wellness
SurfNet Media Group, Inc. (OTCBB:SFNM) announces that health insurance professional, Sharon Alt, will join its online VoiceAmerica? Network on the VoiceAmerica? Health & Wellness Channel Lineup on Thursday, March 31st, 3PM Eastern (12PM Pacific), as host of a new weekly show, "Inside Health Insurance in America." The former president of Fort Worth chapter of the National Association of Health Underwriters (NAHU) and current president of Alt Benefit Consultants, Inc., Ms. Alt brings more than 15 years of experience as a health insurance professional to the VoiceAmerica? Network.The VoiceAmerica Health & Wellness Channel (http://www.health.voiceamerica.com/) offers the latest conversations in a talk radio format, providing education, interaction, and advice on key issues on a wide array of health topics. "Inside Health Insurance in America," will provide a forum for listeners to converse about health insurance issues in...
Health Insurance Professional, Sharon Alt, to Host Online Talk Radio Show on VoiceAmerica? Health & Wellness
Insurance > Health Insurance Professional, Sharon Alt, to Host Online Talk Radio Show on VoiceAmerica? Health & Wellness
A Moving Experience
I've found a cool apartment! Okay, okay?so it's not perfect. Just a few bugs. I mean literally! First expense? An exterminator! Is it worth the cash? Well, I can't afford a more expensive place, so a one-time (please!) cash outlay should be okay. Maybe just a can of "Raid?"I need a way to move my stuff. Daddy, can I borrow your truck? You don't have one? Why not? Do you want one? I'll help you pick it out! Well, it was just a suggestion.
No need to get all bent out of shape! I guess I'd better call the truck rental places. What do you mean?$200?PLUS mileage? AND Gas? Good grief!While I'm on the phone I'll call the utility and phone companies. Yes, I know I haven't used your services before. No, I don't have a credit card; this is my first place. You want what? A $100 deposit? For EACH? Holy cow?do you people have a license to steal? Daddy, I need $500 for moving expenses! I used all my money for the first and last months rent AND the damage deposit.
Well, how was I to know...
A Moving Experience
Insurance > A Moving Experience
Spectrum Direct Exhibits at e-Com Xpo
Mission Viejo, CA (ContentDesk) April 3, 2006 -- Spectrum Direct, parent company for the www.AmericanLifeDirect.com website will be sponsoring a booth at the original virtual trade show for Internet marketers, e-Com Xpo (www.ecomexpo.com) April 4th through the 6th.
We wanted to kick off our second quarter in a big way said Debra Rabin, Business Development Specialist for Spectrum Direct Were taking our affiliate program to a new level and attending e-Com Xpo will give us a forum to make some big announcements. The American Life Direct affiliate program, launched by Spectrum Direct in 2002 features The Worlds Fastest Life Insurance Policy allowing shoppers to apply and complete their purchase of up to $150,000 of term life insurance in under ten minutes with no medical exam and no insurance agent.
Insurance > Spectrum Direct Exhibits at e-Com Xpo
No Money Down And High Loan-To-Value Home Purchases
Copyright 2006 Jason P Bertrand
In many cases it is difficult to obtain financing with little or no down payment. The lender will usually look for very high credit scores and a very thorough payment history. In some cases it may be easier than one would think. Twenty years ago it was always a rule of thumb that one needed to put down at least 20% in order to purchase a home. Last year over 40% of home purchases were made at 100% loan to value.
One reason that people avoid high loan-to-value loans is the fact that a lender will require mortgage insurance if the loan-to-value ratio exceeds 80%.
Loan to value is the ratio of the loan in comparison to the value of the home. For example:
Home Value = $100,000
Loan Amount = $80,000
Loan-to-Value ratio = 80%
In this example the loan to value ratio is 80% because the loan amount is 80% of the value of the home. Mortgage insurance is a policy that protects the lender in...
Insurance > No Money Down And High Loan-To-Value Home Purchases
Purchasing coffee products and the insurance question
On how many accessions have you visited an a coffee warehouse or food and drink merchant so you could obtain a product such as a italian coffee machine or italian coffee grinder only to be asked by the salesperson "would you like insurance with your merchandise"? this is a question that most people acquiring coffee products either can't bear or have grown used to, some folk would possibly be puzzled if the employee working in a food and drink business or coffee warehouse didn't ask them this as they obtained their goods.
Before I launched my own modest coffee store I recall visiting a food and drink store and purchasing a office coffee blender and a large amount of coffee merchandise and extra's, I made my way to the checkout counter to give them the money for my food and drink products and was indeed asked if I required some extra cover. Now as it turned out I turned down the assistants offer and just a few weeks later my precious coffee purchases were robbed...
Insurance > Purchasing coffee products and the insurance question
Company Offers Affordable Alternative to Expensive Health Insurance.
Health Benefits, or the lack thereof, has become a newsworthy item in the past few months. 140 Million Americans do not have any form of Dental Coverage and 45 million Americans do not have Medical Coverage! What does the average individual do when they need a root canal,or a tooth extraction? What if a skateboard accident sends their child to the hospital emergency room? With no safety net of health benefits, a medical emergency could cause tremendous financial hardship.For over 12 years, AmeriPlan? has offered a Dental Benefit Plan that includes Vision, Prescription and Chiropractic Care. With the Dental Plan, individuals can save up to 80% off of Dental Services. The low monthly fee makes these benefits affordable for the average family. And now AmeriPlan? has announced that their Discounted Medical and Hospitalization Services will be coming soon.
AmeriPlan Health? members will receive significant savings... up to 50% and more on physicians, labs, imaging centers and a full...
Company Offers Affordable Alternative to Expensive Health Insurance.
Insurance > Company Offers Affordable Alternative to Expensive Health Insurance.
Getting The Most Out of Your Travel Deals
The lowest and the cheapest travel deals are not always the best deal. Today, travelers could be overwhelmed by the numerous travel deals being offered. Therefore you should weigh all options before choosing the right one in order to get the most out of it.
The greatest secret to getting an affordable airfare or best travel discount is to know your budget and what do you really want. Additionally, you should shop and compare deals until you run out of options and choose the best among them.
And importantly, always plan ahead.
Nothing is too early when it comes to vacation planning. This will give you ample time to search and choose.
Whether you're a business traveler or planning a family vacation, here are some travel tips to save you money and choose the best deal:
1. Buy your ticket directly. Travel agents usually charge between $15 and $35 per ticket.
2. Buy your tickets all at the same time instead...
Insurance > Getting The Most Out of Your Travel Deals
What is Permanent Life Insurance?
Unlike term life insurance, permanent insurance policies such as universal life, variable universal life and whole life provide long-term financial protection. This type of insurance will cover you for the duration of your life and continued on time premium payments. Permanent policies provide you with not only a death benefit but in some situations a cash savings. It is because of these extra perks that permanent life insurance tends to be more expensive than term life.Some features of permanent life insurance also include level premiums so you want to purchase this type of insurance while you are considerably young and in good health. This will help decrease the cost of your premiums.
Permanent policies can also produce dividends. You earn dividends when your premiums turn out to be higher than your actual life insurance costs. If this is the case your insurance company may opt to pay you the difference in the form of a dividend. Because it is difficult in predicting your actual...
What is Permanent Life Insurance?
Insurance > What is Permanent Life Insurance?
Credit Report and Credit Scores
The information on your credit report can greatly affect the interest rate and your ability to obtain a loan. So it's very important to check your credit report early, even if you are not quite ready to buy a house just yet.There are 3 major credit reporting agencies: Experian, Equifax and TransUnion. Everyone has 3 FICO credit scores, one from each of the agencies. The FICO (Fair Isaacs Corporation) score is found by combining several factors, the most important ones being:? Payment...
Credit Report and Credit Scores credit report
Insurance > Credit Report and Credit Scores
Insurance Is Renters' Insurance Really Necessary? real estate
Why Isn't God Helping Me?
Have you ever felt like throwing up your arms and saying "I quit! I just can't change! I thought when God came into my life things would get better, but they haven't." It doesn't matter if you're a new Christian or have been a Christian for a number of years, these feelings can creep in and set you up for confusion and frustration.
So where did things go wrong? Many times our expectations are wrong because we lack full knowledge of how things work in the spiritual realm. We don't...
Insurance > Why Isn't God Helping Me?
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