Finance & Money

Archive for the ‘Cheap Insurance’ Category

If you’re retired and relying on your pension or retirement savings to support your lifestyle then most likely you’ve taken a major hit over the last 2 years with the global crisis and financial meltdown severely affecting the savings of most retirees. So are there any self employed opportunities for retirees out there?

Many soon-to-be retirees have also delayed their retirement because their golden nest egg is no longer as big as it used to be. To make matters worse interest rates across the globe are at their lowest in decades which does not help the situation.

As a financial adviser I have been at the coalface experiencing this situation with many retired or soon-to-be retired clients. It comes as no surprise that many retirees have been forced back in to the workforce to supplement their income. Many of them take up casual or part-time work in jobs paying minimal income and some even going back to their main career or taking on study courses to improve their chances.

But the most popular area where retirees are looking for income is on the internet. It seems the internet offers not only working people but also retirees the opportunity to earn a decent part time income and in many cases a substantial 6 figure income. There are many examples of this happening on the internet. Through my own online business I met a 75 y.o. grandmother who knew nothing about computers, let alone the internet, and in the space of 2 years is earning a substantial monthly income that many board room executives would be envious of.

Cheap house insurance quotes are just waiting for you – if you know where to look.To find the cheapest quotes for protecting your home, go to an insurance comparison website. Here, you can get quotes from several A-rated insurance companies, compare them, and choose the cheapest one.It’s free and easy to get the quotes and it will save your entire household money when the insurance bill comes due.

More Money-Saving Ideas

Want some more ideas to lower your house insurance bill? Follow these tips:

Don’t buy too much insurance. You don’t need to insure the land your home is built on. You just need enough insurance so you can rebuild your home if it’s ever destroyed. A Realtor or a builder can give you an estimate.

Don’t buy too little insurance. People often underestimate the amount it would cost to replace their possessions. They may forget the little things, like silverware and socks. But the price for replacing a whole house full of little things can add up.

Do an inventory of your possessions to estimate how much personal property insurance you need to buy. (Then put that inventory in a safe place in case you ever need it after a loss.)

Check into available discounts. Most insurance companies give discounts for safety features such as smoke detectors, burglar alarms, and deadbolts, discounts for non-smokers and senior citizens, and a host of other discounts.