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How to Save Money on Your Homeowners Insurance in Florida & Beyond: How to Lower Your Homeowners Premiums & How I Saved Over $1,000
If you are one of many homeowners who felt a near-electric shock when opening your most recent insurance renewal, you are not alone. Insurance rates are skyrocketing, especially in states like Florida where premiums are rising at double and even triple rates. And no, "triple" is not a typo now that exorbitant insurance rate hikes have become the "new normal." Adding fuel to this fire, many homeowners are finding themselves suddenly uninsured after being dropped by their insurer -- often without ever having filed a single claim. Even if you are one of the lucky ones who has not yet been "ghosted" by your carrier, your latest policy renewal might…
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Can You Write Your Own Will? Plus, Why You Need A Will Even If You Think You Don’t
A last will and testament may be the least desirable conversation topic, but the fact is that a will determines what happens to all your earthly possessions and even your body upon your death. In recent chats with middle-aged friends, I learned that not one of them has a will-- despite having plenty of assets. As it turns out, their situation is quite common. A recent Gallup poll finds that slightly less than half of U.S. adults, 46%, have a will to express how they want their money and estate to be handled after their death. Whether the potential cost is prohibitive or just sheer procrastination, the fact is that…
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File Cabinet Decluttering: How Long Do I Have To Keep Old Financial Files? When To Throw Out Old Bills, What To Keep & How Long
How often do you feel you are up to your ears in paper? Even in this "paperless' digital age, we still end up printing important documents, amassing receipts, and collecting bills. If you have an established filing system, you are already ahead of many who rely on a makeshift filing system also known as "piles of paper under the desk." Whatever your preferred filing method, you may find that all these papers are starting to take up a lot of valuable space. And do you really need to save that cable bill from five years ago? Let's figure out what to keep, what to shred and what to toss once…
