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Cyber Monday

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Cyber Monday

Welcome to Cyber Monday – a newer holiday season shopping tradition where rather than in-store door-buster deals, you can find crazy deals online at many your favorite online retailers.  Because so much shopping will take pace online today, it is very important to protect yourself, your credit card information, and to know how to shop like a pro.

        Prepare by setting up all your accounts ahead of time on the sites that you know you want to shop.  All your information will be ready and this will decrease the number of clicks you must make during your check-out… and could help you get the item before someone else takes it from the inventory.

        Look for deals and special codes on social media.  There are tons of exclusive discounts

        Make sure you really consider the ‘deal.’ The item might look like the item you want for a great price, but it could very well be a secondary style made with cheaper parts.  Double check specifications and model numbers.  Always make sure that what you think it is, is really what you want.

        Protect your purchase and identity by using a credit card rather than a debit card

        Double check the discounts to make sure it really exists on your exact item

        Only shop on legitimate websites and save all receipts, emails, and tracking info for all purchases

        Look for cashback, bounce back, and points programs to save you more money in the future.

 

Everyone has their own style of online shopping.  We hope you find all the deals you are looking for an if you come across anything super amazing, please send it our way!

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Let’s Make A Deal

We are all always on the look-out for the best deals.  From groceries to cars to vacations.  Everyone wants the best product or service at the very best price.  While there are some groups of people that brag about how much they paid for something, there is a larger group that would rather brag about how much they saved.

I fall into that category.  I LOVE to save money, especially on my favorite items.  I wouldn’t call myself a bargain shopper, but I do spend time looking for a deal.  My personal taste ranges from generic to fancy – it just depends on the item.  While I do believe ‘you get what you pay for’ to a certain extent, I also believe I can purchase most of my stuff on a deal.  I have multiple websites I visit before purchasing an item – obviously at the best price I can find.  I constantly search or travel deals and spent almost a month car shopping.  Like I said, I like to save money – oh, but I don’t coupon which is kind of funny.

One of the items I spent time researching is insurance.  I want the best policy, with the best coverage, at the best price – or at least at a price I can afford and fit into my budget.  Isn’t that what we all want?  I don’t recommend just arbitrarily signing -up for the first insurance company and policy that you find online.  Take time to find an agency AND agent that is the right for you and that offers the polices that you need and the coverage that you want.  You are paying to have added protection for the things most important in your life.  While finding the best deal is always something to brag about, so is finding the absolute best insurance.

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Flood Insurance

There are many risks that people are accustomed to insuring against. These will include, health insurance, auto insurance and fire insurance. There are others that are less familiar, such as dental and flood insurance but there are many reasons why you should reassess the insurances you currently have in place and perhaps consider relocating them to cover the risks that you are most afraid of experiencing.

For example, did you know that losses due to floods are thirty times more likely to occur than fire losses? This is especially true if your home is located in a flood prone zone. While flood loss is generally less devastating than fire loss, if your home is located in a flood prone zone, the chance of even experiencing catastrophic damage is still 25% greater from flood than from fire.

Flood loss

Most basic home insurance policies do not automatically include flood loss as st andard. Commercial property policies are the same, with flood loss only being covered if it is specifically mentioned in the policy. If the flood is extremely severe, it may be classified as a disaster site by the federal government. This will cause some protection to be made available in the form of loans. These loans, which come through the Federal Emergency Management Assistance program, are not like insurance however, as you are required to pay back the loan that they give you, as well as any other home loans you already have. They will also require you to carry flood insurance in the future. The other thing about the Federal Emergency Management Assistance program is that it only kicks in if your area and flood are declared a federal disaster site. This can be fairly rare when compared to the amount of floods that are experienced annually.

Flood insurance will be offered by various insurance companies but should be backed by the National Flood Insurance Program. This type of coverage, which is supported and regulated by the federal government, is the only type of flood insurance that will fully protect your home and contents from rising water flood insurance.

Shop Around

If you are considering taking out a policy of this kind, shop around for the best rate and find out what is covered and what is excluded. It may be that a specific company’s exclusion is exactly the situation in which you require coverage and other companies may not have the same exclusion so you are wise to shop around. Also, all insurance companies vary in what they offer and what they charge. Do not accept the first offer or quote you receive and do not expect all companies to provide the same deals. You should always shop around when it comes to insurance and find yourself the best deal available.