Self Insure Yourself And Save Money
Ever hop on the bus only to discover that you forgot your wallet? Or maybe you were so engrossed in a book that you got onto the train and rode it all the way home without buying a ticket? Sound familiar?
Well, if these things have happened to you, or worse yet they happen to frequent occurrences, then it's time for drastic measures. Fret not though, because there are many ways in which one can insure their personal belongings. From companies that will come pick up your misplaced items for free and return them upon request from any location across the globe, to relatively small-scale options such as using a credit card or paying with cash when traveling abroad.
Below are some ways in which you can insure yourself financially and therefore save yourself a lot of potential stress and trouble. For the sake of simplicity, we will be discussing only financial insurance.
For those who don't want others to have any access to their debit or credit cards, there is a new solution that allows you to carry your information around with you safely and easily. As opposed to carrying around a bulky wallet with all of your cards, cash and other valuables, now you can simply stick the card on the back of your cell phone. This great new technology allows one to protect their personal information while keeping it easily accessible in case they need to make an emergency purchase or need cash fast.
There are several different types of insurance available to you as well. For instance, life insurance can be a very helpful economical method in the event that something should happen to you and your family does not have enough money to care for their daily living expenses. The price of life insurance varies greatly, but are usually relatively cheap. Depending on how much you need to save and the coverages that you want, it can become a great investment for your family's future.
If by chance something should happen to your cell phone and it has data stored on there, then there is an option for you as well. There is a new type of insurance called Mobile Protection, which is designed to protect your phone's data in the event that it should break or get damaged.
To access this protection, you must first submit an application with your carrier, and then pay a small monthly fee. The benefit of this type of insurance is that you are always covered so long as there is a connection to the Internet. Even if there is no signal, you are still protected should anything happen to your phone. Information stored on your cell phone can include photos, contacts and text messages (up to 3 messages).
Another way to protect yourself financially is by getting a warranty for an expensive item such as a television or a computer. It's always best to pay for a warranty when offered, because it could potentially save you hundreds of dollars. A warranty is simply an extension of the manufacturer's service. This means that if your product stops working within a certain amount of time after you purchase it, then it will be replaced for free. The timeframe varies greatly from one product to the next. For instance, some warranties only last for 90 days while others can last up to 5 years.
One of the best ways to save money in the long run is to learn how to repair or maintain your own personal items. You will be able to save money by doing small repairs at home on things such as a blender, vacuum cleaner or even your car. Not only will you be able to save money but you will likely get better customer service and will know exactly what kind of product you're getting when you purchase. This is something that can really add up over time if you are not familiar with what makes certain products work and which ones don't work very well.
There are many options available for protecting your personal belongings in today's world, and one of them should always be considered when purchasing a new item. After all, there is nothing like the feeling of security and comfort that comes from knowing that you have something more than meets the eye.
About the Author:
Carolyn Coshall is a freelance writer and professional speaker based in Victoria, B.C. Contact her at carolyncoshall@earthlink.net or visit her website at www.carolyncoshall.com for more information on financial literacy, being thrifty and personal empowerment topics.
One of the quickest ways to save money is by avoiding unnecessary stops at gas stations during your commute to work or home from work. One can save up to $15 dollars per week by driving less and making smarter choices in regards to your car, or truck. So the next time you think of stopping at a gas station to fill up on gas, ask yourself if you really need it. If the answer is yes then stop, if not then make a conscious effort to drive past marques and watch that money add up over time.
To begin saving money on gas it's best to ensure that your tires are properly inflated. Underinflated tires reduce the fuel efficiency of your car because they put more load on the engine. Be sure and check your tires with every tank of gas to make sure that their pressure is correct for your car. If your tires are too full it is also a big problem because your tires will wear more quickly and you will have to inflate them more often.
Another way to save money on gas is by keeping your car in great shape. Ensure that you regularly change your oil and check the belts, hoses and transmission fluid for things like leaks. If you're not sure how to do these things then be sure and take it into someone who does know how to perform those tasks properly. The less work that your car has the better, in this case less work translates into fuel savings.
One of the simplest ways to save money on gas is by driving economically, or smartly as some people call it. For instance, when you are driving on the highway or in heavy traffic you can save a lot of gas by tailgating. This allows you to take advantage of the air that is already flowing through your truck or car in order to reduce drag and save on fuel.
Another great way to save money on gas is by reducing the weight or number of passengers that are with you in the vehicle. This means that it's best to avoid carrying unnecessary items with you such as extra bags and boxes and even loose articles like CD's, hats, clothing etc. Vehicles always perform best when there isn't much unnecessary weight in them.
Of course another great way to save money on gas is by avoiding trips that you don't really need to take. For instance, if you are driving to the grocery store to purchase household goods or school supplies, then be sure and call ahead and have them delivered directly to your home. This will help you avoid unnecessary time in traffic as well as a lot of wasted fuel. You can also save money on gas by taking public transportation as opposed to driving yourself. This makes sense not only because it helps you save money but it also eliminates the possibility of receiving a ticket for breaking the law.
Conclusion:
The first and most obvious way to save money on gas is by getting a smart vehicle. This means that you should buy a car or truck that is as fresh and economical as possible.
When you are shopping for a new vehicle you should always read the fine print of the dealership's warranty to avoid any sneaky surprises. In the event that your vehicle's engine is damaged during an accident or at any other time, then it may be put in two different locations which means that both engines are being repaired at the same time. That means that you will end up paying more money in repairs than if only one engine was being fixed at a time.