How To Choose Brokerage Services

How To Choose Brokerage Services

One of the most important decisions you can make when starting a financial portfolio is choosing the right broker to help invest your money wisely. There are many broker services in St. Louis. Paul who can make this task seem rather exaggerated. If you are new to investing, here are some tips to help you find an intermediary service that will help you grow wealth and give you financial peace.
Choose a Full Broker Broker

There are many a la carte services available, but working with a full-service brokerage firm will help you keep your feet wet. Beginner investors know less and confident. As you begin to understand the market and how best to invest your money, you may want to explore on your own and save a little money. In the meantime, leverage the skills and knowledge that the full service broker offers. How To Choose Brokerage Services
Select a Service Broker with Reputation for Reliability

Start-ups can be found in every industry. While newly-formed brokerage firms may offer exceptional price cuts to get investors to their sites, their customer service and overall experience may not be well met. If you have never invested a dime in any form outside the savings account, you need a service that has long been in business and has a reputation for handling their clients’ money carefully and precisely.
Choose Brokers That Also Have Stone and Horn Locations How To Choose Brokerage Services

No one can argue how easily internet access has invested. Many investors, beginners and professionals, rely on the internet to help them make last minute trades and keep abreast of the latest financial trends. While the technology is great, you may not always be in front of a computer screen. And, let’s be real for a moment, you can not talk to a computer screen. Sometimes you need a living person to guide you through the investment process.
Strict online brokerage services may not be your best bet. Instead, search for services that offer ease of technology and personalized service. Having a go-to broker is actually very valuable.

Look beyond the broker’s commission rate

Many beginner investors choose to invest their money without professional help because they do not want to pay a commission. Although this is not the best financial strategy, do not choose a broker based on the fare. Sure, you do not want to spend half the money you get from the cost, but paying less will not result in a high return on your investment. When considering broker fees, read the fine print carefully. Often lower costs are not included with over-the-phone transactions, options, or limit orders.
Ensure Minimum Investment Requirements In accordance with your Financial Situation How To Choose Brokerage Services

Sometimes cheap brokerage services require a good minimum investment. Average beginner investors rarely have $ 10,000 or more to invest. In most cases, many people want to start slowly, investing less than $ 500. Do your research to find services that are willing to work on a small investment budget.
CustomerServiceMatters

Online brokerage services must be accessible by phone at a reasonable time. Ideally, you want to find a company that has customer service representatives available 24 hours a day, 7 days a week that can answer questions about out cash, problems with your account, and more. While you may not be able to talk to a 24/7 broker, you should be able to help access your account whenever you need it. Following the following tip will help you find an intermediary service at St. Paul is quite affordable and helps you achieve your financial goals.

Why Is Your Oral Health Important

Why Is Your Oral Health Important

Good oral health is important to maintain the longevity of your beautiful smile. If oral hygiene is not followed correctly, it can damage your smile and body. Your dental and gum health plays a key role in your body’s health. Whether the role is positive or negative all depends on several different factors. Factors That Cause Bad Oral Health While poor oral hygiene is a major cause of tooth decay, gum disease, and other oral health problems, this is not the only factor. Even individuals who diligently follow the most regular oral hygiene routine usually have poor oral health as a result of: • Malnutrition • Failure to visit the dentist every six months • Family history of oral health conditions • Certain medications • Systemic health problems Understanding the Mouth and Body Relations In recent years, studies have shown that there is a direct correlation between oral and body health. As plaque and bacteria form in your teeth, this puts you at risk for gum infections. When this happens, it sends a message to your immune system to start fighting the infection, causing the gums to become inflamed. If the infection is not treated immediately, the inflammation will continue to spread throughout your gums and ultimately result in gum disease. This chronic gum infection can damage the soft and hard tissues in your mouth and cause tooth loss and bone degeneration. As you progress, infection and swelling will seep into your bloodstream and put you at risk of developing high blood pressure, heart disease, diabetes, and other serious systemic disorders.
Because the mouth is considered a window to what’s going on inside the body, medical professionals have taken a more holistic approach to caring for patients, closer look at teeth, gums, medical history, and overall symptoms.

 

Oral Health and Respiratory Infections When bacteria in the mouth are constantly ingested or breathing into the lungs, it can cause throat and respiratory infections, such as pneumonia, COPD, and bronchitis. Oral Health and Autoimmune Disorders The relationship between autoimmune disorders and oral hygiene goes both ways. Patients diagnosed with diabetes are more susceptible to tooth decay and gum disease. In the same way, if gum disease is not resolved, as inflammation continues to rise and runs throughout the body, it puts you at risk for diabetes, rheumatoid arthritis, and Sjögren’s syndrome.

Oral Health and Cancer Oral cancer is always a concern if you have poor health, especially if you smoke or use tobacco products. However, other types, such as pancreatic cancer, kidney cancer, and blood cancer are also associated with gum disease. Oral Health and Heart Disease When bacteria penetrate the bloodstream, it can cause plaque to form inside the arteries and harden. This will eventually lead to blockage and poor blood flow in the heart, resulting in hypertension, high blood pressure, stroke, or heart attack. Heart disease can be a silent killer. Patients often do not realize they have it until a heart attack or stoke occurs. If you see inflamed gums and are currently experiencing headaches, blurred vision, shortness of breath, dizziness, or chest pain, it is very important that you visit your doctor immediately. Oral and Pregnancy Health Hormone fluctuations in women often occur during puberty, menstruation, and pregnancy. It is not uncommon for women to experience tooth sensitivity or gum softness every month or during pregnancy. However, when a woman is pregnant and suffers from oral health problems, it can make the mother and baby at high risk and even cause low birth weight or premature birth. Therefore, it is very important that good oral hygiene is followed and if you notice the type of sore mouth or swelling of the rubber that you visit the dentist for examination. Tips on Caring for Good Oral Hygiene The following tips can help keep your teeth healthy: • Brush your teeth at least twice a day with a soft toothbrush or toothbrush using the right technique. • Floss every day. • Rinse with approved antibacterial mouth rinse. • Talk to your dentist and doctor about the symptoms you are experiencing right now. • List all the medications you are taking with your dentist so that she can determine if any of them can harm you because of gum disease. • Visit the dentist every six months for routine cleaning and examination.

Private Excursions Falmouth Jamaica

Private Excursions Falmouth Jamaica

Evidently there are many great excursions in and around Falmouth Jamaica. Pre-booking your private shore excursions before arriving in Jamaica is the best option; careful planning allows for doing more and seeing more of the island within the limited time that will be spent on the beautiful island.

To experience the wealth of Jamaica’s history you will need to visit the Georgian Town of Falmouth with its interesting stories and exquisite architecture; they tell tales of the island evolution from its colonial past and its present progression into the paradise that it is today. The town has managed to preserve the ambiance of a European town, and for this reason it manages to create a serene feeling for those who visit.

This stunning town of Falmouth, boasting the exquisite European architecture is pleasing to the eye. For size, Falmouth is a small town, but is perfect as an entry point to the island. For this reason, the town is home to one of Royal Caribbean Cruise Line Ports. Situated on the northern coastline of Jamaica, Falmouth is between 30 and 60 minutes to some of the island’s best excursion sites.

Leaving from the Pier in Falmouth, the landscape will tell the story of the region’s colonial past; once being a major player in the sugar industry, the port that is now used by Royal Caribbean was once used as a commercial port where rum and sugar was shipped to Europe. The Hampden Plantation was where the sugar cane was grown and the sugar processed in the mills located on the property. Today, the site now houses the Hampden Rum Factory which offers tours of the facilities. It is a great experience for cruisers arriving at this port.

Rafting on the Martha Brae is another excursion that is very close to the Falmouth Port. It is a romantic experience for couples and is great for kids also. For older folks, this is a wonderful activity, making it a perfect choice for families. The rafts are handmade by locals; designed using the shoots of the bamboo plant. The Martha Brae River is tame body of water making raft rides down the river quite smooth and enjoyable. It doesn’t get better.

The town of Montego Bay is just a 30 minutes’ drive west of Falmouth. Being in this resort town you are guaranteed to have a great time. You have the choice of Great House Tours; either at Greenwood or Rose Hall for a peek into Jamaica’s past. The Rockland Bird Sanctuary affords a once in a lifetime experience to interact with some of the most gracious species of birds. There is golfing at one of the many courses; shopping for souvenirs, and a trip to the beach are just some of the activities in Montego Bay in which Cruisers arriving in Falmouth could indulge.

To the east of Falmouth there is the town of Ocho Rios, home to some of the best waterfalls in the world. The Dunn’s River Falls need no introduction; it is Jamaica’s premier tourist attractions featured in many travel magazines. It is 600 feet of gushing water, cascading down the rocks; great for climbing.

The Blue Hole Secret Falls is another waterfall in Ocho Rio; though not as popular as the Dunn’s River Falls most people think that it is a better experience. This is possibly because the Blue Hole Secret Falls offer ropes wings, cliff diving, jumping, swimming and cave exploration. Visitors report the thrill of the experience as being unforgettable. It one of the must do things in Jamaica whether you are staying in a hotel or as a Falmouth Cruise Excursions.

Vitamin E: Why It’s Important to Good Member Health

Vitamin E: Why It’s Important to Good Member Health

When a man creates a daily routine for the care of a very good male organ, he wants to make sure all the bases are closed. That’s why many men turn to crème health members, because they contain the right vitamins and nutrients, men’s skin should still look and feel the best. But it is important to understand exactly what is in the man placed on his body, especially his sensitive skin. That’s why he has to research every ingredient and understand what it does. One of the most important ingredients in a good creme is vitamin E.
What is vitamin E?

Vitamin E: Why It’s Important to Good Member Health

A natural hydrate, vitamin E is known to keep the skin smooth and supple. Technically, vitamin E is the collective name for fat-soluble compounds that have strong antioxidant properties. It can be found in many foods, as well as many supplements and creams designed to treat skin conditions – or even creams designed just to improve healing and hydration.

Where to find?

Vitamin E is found in a variety of foods, including almonds, sunflower seeds, pine nuts, peanuts, hazelnuts and other types of nuts, avocados, broccoli, spinach, tomatoes, sweet potatoes, butternut squash and more. Since most people eat various foods that contain vitamin E, it is very rare to have a deficit.

When it comes to the skin, vitamin E is known as an essential property for health and healing. Therefore, there are many supplements available that can be applied directly to the skin. However, pure vitamin E does not provide the best benefits for skin use; Instead, it should be applied in conjunction with other vitamins, such as vitamin C, as well as some types of carrier oils, such as Shea butter, to get the most benefits. Hence vitamin E for topical use is usually sold in the form of cream, butter or oil. Vitamin E: Why It’s Important to Good Member Health

What does it do for skin maturity?

Vitamin E is a powerful antioxidant known to fight free radicals. Free radicals are naughty atoms that can eventually be combined together and cause serious problems, such as skin damage. By fighting these free radicals, vitamin E makes the skin look healthier, stronger and younger, with less wrinkles and age spots.

Vitamin E also helps men maintain a good male organ sensation, thanks to the effects that exist on the fine nerve endings of male skin. Nerve damage is one of the most common reasons why a man will ultimately feel less sensitive to a male organ, and that can cause problems in the bedroom, especially the lack of enjoyment in sensual activities that once felt so beautiful. While it is important to get vitamin E in the diet and thus protect the nerves from the inside out, it is also important to apply topical vitamin E to ensure that the nerves are protected from the outside as well.

Vitamin E is also very important for blood flow. This is one of the nutrients your body needs to help ensure blood vessels stay open and receive blood flow – and of course, this is one of the most important parts of the tumesensi process. Vitamin E in foods is very good, but it should also be topically applied to help ensure that even the smallest blood vessels that are closest to the skin get the nutrients they need. Vitamin E: Why It’s Important to Good Member Health

Finally, keeping the skin smooth and supple can help men avoid many male organ problems, such as itchy skin that can result from drought. Members specially formulated healthcare professionals (Health professionals recommend Man 1 Man Oil, which is clinically proven to be mild and safe for the skin) should include not only healthy vitamin E vitamins for this purpose, but should also have Shea butter as well. Shea butter can help vitamin E do its job on the skin. Creme with vitamins C and D is also important, because these nutrients help increase the efficacy of vitamin E.

Great news for the Galapagos Penguin

Great news for the Galapagos Penguin

The Galapagos Islands wildlife has fascinated us ever since the naturalist Charles Darwin brought them to the attention of the world through his remarkable journey of discovery in the early 1800s. His research in the archipelago forms the basis of what has become his revolutionary theory of natural election.
In subsequent years, this offshore island group of Ecuador has become a popular place for ecotourism. There are several places on Earth that offer such insights into our natural world intrigue and, for wildlife enthusiasts, the Galapagos vacation can be one of their most memorable life experiences. Great news for the Galapagos Penguin

Among the unique endemic species, the rare and endangered Galapagos Penguin is one of the most sought-after sightings. By 2017, after decades of declining population, researchers have seen a spurt in bird growth, and there appears to be some good news for the most endangered penguin species on the planet – and that’s also good news for wildlife lovers who visit the Galapagos holiday area. Great news for the Galapagos Penguin

A bonanza breeding

The reason for buying gold recently did not result in an overnight success. Many bird nests that have been used for the last 40 years have been destroyed by floods or followed by the Sea Iguanas. So, in 2010, a team of researchers from the University of Washington began working on a project that included the construction of 120 artificial penguin nests, with the goal of providing as many opportunities as possible to breed for the species.

The nest is made by digging the tunnel into the lava landscape, or by lava plate accumulation. The nest has been dubbed “penguin condo” and has been built on three island islands: Isabela, Bartolomé and Fernandina. The aim of the researcher is to ensure that when food availability is abundant (when the breeding is most likely to occur), the birds have access to a safe nest to protect their eggs and keep them cool.

The nest is monitored twice a year and in the last visit by researchers, the number of teenage penguins is more visible – and, in fact, they account for about 45% of the total population.

Current events

The increase in breeding is directly correlated with La Niña weather events, which bring rich and nutrient rich flows into the seas around the archipelago. In recent years the El Niño event (which brought the current slower and warmer, created a scarcity of food sources), consequently for the penguin population has been devastating. It is estimated that there are less than half of these days as in the 1979-73 and 1982-83 pre-El Niño years. Great news for the Galapagos Penguin

By providing a means for species to utilize favorable nesting conditions, artificial nests have played an important role in the regeneration of this population. In the hope of another La Niña in the spring of 2018, it is hoped that this breeding crush will continue and increase further. The Galapagos Conservancy has supported this program since 2013, and the body recognizes the valuable work of this dedicated group of researchers. Their long-term goal is to increase the population to a certain point so as to survive the adverse climate fluctuations, and representatives will return to the islands in February 2018 to examine the nest and share their findings.

A privilege of experience

For wildlife enthusiasts who visit the region on the Galapagos holidays, it is still a privilege and an unforgettable experience to see species in their natural habitat. In the coming years, the population can regain its prevalence over the last few decades – proving that in some cases, human intervention can be positive rather than harm world wildlife.

Great news for the Galapagos Penguin

 

What is EHIC Cover in Estonia

What is EHIC Cover in Estonia

Emerging from the shadow of the Soviet government, Estonia entered into itself as a popular holiday destination. Despite having a Russian connection, Estonia shares geographically and historically with Latvia and Lithuania. Europe has embraced the newly confident Estonian and has fallen in love with the stunning cities and stunning countryside.
If you are planning a trip to this unique part of the world, along with your passport remember to pack your European Health Insurance Card (EHIC). Since Estonia is in the EU, it has reciprocal agreements with the UK on health care, but just like every other EU country has different rules about what health care is, then Estonia. That’s why, even if you have a valid EHIC, it’s best to get insurance as well. While traveling with family, family travel policy is definitely recommended.

What is EHIC Cover in Estonia

What is EHIC Cover?

Only private insurance, whether it be individual or family travel policy, will cover private medical care in Estonia. If you are relying on your EHIC, you must access a contracted practitioner to the Estonian Health Insurance Fund (EHIF). EHIF has a phone number that you can call from the UK before you travel for more information (00372669663), and there is an excellent EHIF site that provides information in English.

Visit a Doctor or Dentist

If you visit a family doctor or general practitioner in Estonia, you will receive your consultation for free. However, if you or your family members need special care, you need a referral and will be asked to pay some maintenance fees. This is non-refundable if you only have an EHIC. If you have an adequate family travel policy that guarantees you comprehensively, you should be able to reclaim the money you have paid.

Home visits from GP will cost you a small fee, usually up to 5 euros, although this may vary. This fee can not be refunded with your EHIC. For regular dental care there is a fee, but if in an emergency, the treatment is free. And, good news for families traveling with children is a child under the age of 19 receiving free dental care, whatever it is. What is EHIC Cover in Estonia

What about hospital visits?

While on vacation with your family, ending up in a hospital is something you do not want to think about too much, but keep in mind just in case. Hospitalization in state-funded hospitals in Estonia is charged 2.50 euros per day up to 10 days, even if you have an EHIC, but there is no fee for treatment under 18, pregnancy or childbirth, or intensive care. The cost of maintaining a private hospital for family members can only be changed if you have a good family travel policy.

Although health care is very good in Estonia and you deserve it with a valid EHIC, it is always recommended that you issue a good insurance policy as well, especially if you are traveling with children.

Patrick Chong is the Managing Director of InsureMore, an award-winning team of specialists in one global journey, annual travel insurance and family. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday. What is EHIC Cover in Estonia

Purchase Online Vehicle Insurance Policy

Purchase Online Vehicle Insurance Policy

A few decades ago, car insurance was not needed; it is up to the individual to decide whether they want to be insured or not. However, today, vehicle insurance is a car owner’s requirement. The owner of the vehicle, whether simple or luxurious, needs a car coverage policy. Get our offer today and check Good to go insurance at an incredible price.

Purchase Online Vehicle Insurance Policy

The public’s attitude towards purchasing coverage has changed significantly over time. Years ago, getting vehicle insurance was as simple as contacting a local agent and demanding a policy. However, the process is slightly changed: You now have many options to choose the specific plan that best suits your vehicle insurance needs.

You might be better off by passing local agents and getting direct access to the company via the internet, but you should be prepared to handle almost any task by yourself. This will require comparison of various policy providers; packages, rates, and size. Then, now you can discuss with companies that you feel most comfortable. In the event of an accident, you are saved from the many pressures and problems under the Go car insurance company with significant accountability coverage. Good2go insurance will help you save more in the future.

While some insurance companies do not require clients to work with their agents, some companies do not employ agents. Online purchases are your best bet, especially when you mostly meet tight daily schedules and require low-cost vehicle insurance. Direct online purchases of insurance plans help you bypass the commissions you should pay to agents. However, if you do not know your vehicle insurance needs, you can make the wrong decision in buying online coverage without a representative’s guidance.

Choosing the Right Insurance Policy Purchase Online Vehicle Insurance Policy

After choosing the insurance company of your choice, you should also choose a policy that suits your needs. Three popular types of plans are traditional car insurance, Usage-based vehicle insurance, and Per-mile Vehicle insurance.

1. Traditional Auto Insurance Here, policy quotes are determined by the insurance company and with the help of policyholder information such as customer age, driving records, credit score, and gender. The more you are exposed to risk, the higher the level of insurance you have to pay. You can, however, request the lowest policy rate under state law, or better yet, choose from an extensive list of various vehicle insurance coverage. Regardless of a particular category, you can rest, assure the Good 2 go Insurance commitment to give you the best policy that suits your insurance demand.

2. Car insurance based on usage

Contrary to traditional Motor Vehicle Insurance, a car-based auto insurance company provides car insurance for you, by monitoring your real actions. To get a quote on Good2 go insurance based on Vehicle insurance type, you will be prompted for plug-in telematics devices. This device is meant to record your driving ways and attitudes, especially your unacceptable driving habits such as breaking and acceleration.

If the device records indicate that your driving way comes with low risk, vehicle-based usage insurance lets you save more money. However, if the device notes that you are usually on the road at night or with a fast driver, you may not be able to save on your car insurance. In addition, many insurance-based vehicle insurance plans may not be found in all states. So you may have to replace your insurance company if you move to another country where insurance plans are not available.

3. Car insurance per mile

This insurance plan also involves the use of telematic devices, but unlike Usage-based insurance, Par-mile car insurance focuses on one thing, the frequency of your vehicle usage. Just like use-based, car insurance per mile is not available in most states; because this is a new program. Of all the service providers, Metromile is the most prominent vehicle carrier per mile and currently has services spread across seven states including Illinois, Washington, Virginia, Oregon, New Jersey, Pennsylvania and California.

To determine your insurance rate, coverage providers per mile also use similar elements as in the case of assurances

North V. South: The Battle of the Poles

North V. South: The Battle of the Poles

Your breath feels like it freezes as soon as it leaves your lungs, your back and shoulders ache from carrying equipment for days and your legs are shaking – yet, somehow, you’ve never been happier.
Traveling to the Poles is the dream of many an adventure lover. These remote, inhospitable locations offer unique sights and experiences to those brave enough to venture towards their icy hearts.

 

Practicalities

For a first-timer, the safest and most practical way of embarking on a polar expedition is by joining an organised group. This way you can make the most of professional trekkers’ experience and truly enjoy the trip knowing you are in good hands. There are several good companies which specialise in polar expeditions so do your research to find one that suits your needs.

Which Pole if For You?

Teamwork and discipline are key during these trips and you’ll make lifelong friendships with those you cross the ice with. But which Pole is for you? North or South?

North V. South

A trip to the North Pole takes around three weeks and covers around 200km. To reach it, you must head out over the frozen depths of the Arctic Ocean. Underneath metres of ice is the freezing sea, so this ice moves! The drift of ice may work against you and the air is frustratingly humid so you must constantly work to keep your tent dry. Cold management is also a constant battle – keeping warm is key to survival.

Sound like fun? Other challenges include skiing against the drift of the ice and pulling your equipment hundreds of kilometres by sled…

Though these trips are hard work, you’ll have plenty of time to admire the stunning scenery as you’re not trying to win any awards. This trip is for you to gain a better knowledge of both yourself and the strange land surrounding you. A good polar expedition company will take their team at a steady pace, allowing you to absorb the misty mountains of ice and the overwhelming sense of isolation.

A trip to the South Pole is usually shorter, coming in at about a week and a half. Unlike the Arctic, the Antarctic is a continent. Underneath the ice there is firm ground so you won’t be battling ice drift here. The air is also extremely dry – the driest on earth in fact. These factors mean that habitation is possible at the South Pole. However, the Antarctic comes with its own challenges. The driving wind works with the immobile ice to create harsh ‘sastrugi’. These irregular ridges are difficult to walk on and navigate through – especially in the high altitude which can leave you breathless or dizzy. Of course, just like in the Arctic, keeping warm is difficult but essential.

Visitors to this remote region are left speechless by the icy wilderness stretching out endlessly before them, lit by the eerie 24-hour sun that never sets.

Though the Arctic and Antarctic offer very different experiences, the feeling of euphoria when you reach your goal is the same and unparalleled. How does it sound? Terrifying? Or thrilling? If the latter, a polar expedition might just be the perfect trip for you. Good luck!

6 Surprising Ways to Save Money in Auto Insurance

6 Surprising Ways to Save Money in Auto Insurance

Secure driving and fewer points on your license will always go a long way to reduce the amount of money you pay for Elkton car insurance, but this is not the only way to keep your premiums low. Check out this surprising way to save more money in your pocket at the end of the month.
Reduce Coverage on Older Vehicles

6 Surprising Ways to Save Money in Auto Insurance

Did you know that collision coverage represents the lion’s share of insurance costs? If you drive an older, paid vehicle, you may want to consider removing this coverage. Car owners with vehicles older than 10 years should be able to benefit from dropping collision coverage.

Increase your Deductible

The lower the deductible you have on your vehicle, the higher your insurance premium. You may have chosen a lower deductible because you are financing your vehicle, but if the vehicle is paid off and you are safe driver without any accidents in your records, you may want to consider increasing your deductible. Yes, you will pay more if you have an accident, but why pay more to drive your car safely every day?

Are you still financing your vehicle? You have room when you arrive at your deductible. Most lenders ask their customers to have a $ 500 deductible or less. If you feel stuck in a budget with a $ 250 deduction, consider raising it to $ 500 to lower your monthly payments. Doing so will give you a bit of financial relief without violating your lender’s rules. 6 Surprising Ways to Save Money in Auto Insurance

Save Money on Driver Teenagers with Safety Program

Not surprisingly, teenage drivers can make your insurance premiums skyrocket overnight. It is a case of whether they have their own car or they borrow yours. One of the easiest ways to soften a financial blow is to ask your insurance company if they have a secure driver program. This program may require evidence of a driver’s education class or may just ask your teen to take an online course. Even though your teenager may not be happy to participate in the driver safety program, you will be happy when you open an insurance bill every month.

Keep All Your Insurance Policy with One Company

Multipolicy discount is money saver. Whether it’s a life insurance policy, tenant insurance, or homeowner policy, you save it when you bundle it. Almost every insurance company offers multipolicy discounts, but if you’re with an insurance company that does not offer these savings, it’s time to start shopping for new providers.

Less Drive to Save More

Today people work less than brick and mortar offices and more than the comfort of their own homes. If you telecommute, work part time from home, or carpool for a week, let your insurance company know. Spending less time on the road means you are less likely to have an accident and this is news to be celebrated by the insurance company. Cutting the amount of driving you make to and from work can reduce insurance costs.

Research Safe Car before you Buy

Are you in the market for a new vehicle? Before leaving for a dealer, do a little research. Each year the Insurance Institute for Highway Safety (IIHS) assesses vehicles for security. Cars that meet the highest standards generally cost less to ensure. Not that this vehicle will not be involved in an accident, but if so, the likelihood of injury and damage may be much smaller than other cars on the road that are not equipped with certain safety features.

The Worst Moving Scams No One Is Telling You About

The Worst Moving Scams No One Is Telling You About

Every year, more than 10 million people relocate in the US. If you’re one of them and worry about being ripped off for your money by unreputable movers, you should be, according to LDM.
The moving industry players have a couple of scams up their sleeves to charge customers more than they should actually pay. In most cases, this can add up to several thousand bucks to your relocation budget and the worst thing is that people don’t even suspect they’re being ripped off!

The Worst Moving Scams No One Is Telling You About

Arm yourself with the insider knowledge we’re sharing today, protect your rights and fight against moving scams.

Moving scam #1: brokers

First things first: before signing up with any mover, you have to find out whether it’s a real mover or not. In a nutshell, you should avoid household good brokers like hell because few people ever got it straight with them.
Brokers have no insurance and deliver no moving services. They simply accept your deposit and hire a moving company to handle your order. Should any problems arise, both the broker and the moving company refuse to help their clients: movers are saying their client is the broker, not a customer, and the broker is saying he/she doesn’t provide moving services, hence all questions should be redirected to the movers.

The best way to break this vicious circle is not to enter it, ever. Use the company’s USDOT number to check whether it’s a broker or mover via this site: http://www.safersys.org/CompanySnapshot.aspx. Entity type for a broker is “BROKER’ and for a real moving company it’s “CARRIER”.

Moving scam #2: packing boxes

Here’s a straightforward scam to get more money out of you: moving companies charge up to 3 times more for the packing materials than local shops. For example, you can often get cardboard boxes for just $3 in a local shop (or even for free) while movers can charge you up to $15.
Regardless of how busy you are, consider taking care of the cardboard boxes on your own. Why pay more for the exact same stuff?

Moving scam #3: weighing

Customers are often blissfully unaware that their movers are playing all sorts of tricks when weighing their belongings to drive the weight up. Here are some of their most outrageous tactics.
Tricks with a diesel tank

You may already know that your possessions are weighed to get a cost estimate. First, an empty truck is weighed. Then, your stuff is loaded and the truck is weighed again. The difference between the two figures will determine the costs.

Little you may know that movers can weigh an empty truck with an empty diesel tank but fill it with fuel when weighing a full truck! This adds a few hundred bucks to your budget.

Tricks with wheels

Another way your movers can fool you with weighing is by placing an empty truck on a scale unevenly so that the wheels are not actually on a scale. This reduces the total weight by 1,000 to 3,000 pounds! Of course, they won’t do this when weighing a fully loaded truck and you’ll end up with a huge difference that can cost you a fortune. The Worst Moving Scams No One Is Telling You About

Adding more load

There’s a simple rule you should follow: always overlook the weighing process. If you’re not present or looking, the movers can simply add more load and you’ll end up paying more.

Moving scam #4: estimates over the phone

The moving company can call you and offer a free cost estimate. If you agree they will ask you to provide them with a list of your inventory. Few people will bother to list every item they want to move over the phone.
So the movers will give you an average figure, for example 300 cubic feet for a 2-bedroom apartment while it’s usually no less than 700.