The percentage of renters in America who have Insurance is less than 45! That should be hard to understand for those who are conversant with how Insurance works, but the majority of us, Insurance for people who rent (HO4) is not essential.

Looking deeply into it, we could find a couple of reason as to why this is happening. Starting with people not being aware of the benefits of having Insurance, or the amount of insurance cover they need, to overly estimating the policy cost, reaching an agreement that the issue could be arising from vigilance compared to anything else.

Among the significant reasons people refuse to take up this protection is because they lack knowledge of Renter’s Insurance.

Even after going through the entire process of having a quote, people still lack a proper understanding of the personal property. Majority of these renters find trouble answering basic questions such as the worth of your property and the amount of insurance one would need.

In the United States, average apartments with two bedrooms have close to 30000 dollars’ worth of bikes, clothing (including inner garments like the best bras for low back dresses), jewelry, electronics, and so much more. It looks like it’s time for people who rent to get back their inner peace and get knowledge on how to protect their property.

You may have more property than you imagine.

I know you are not sure of this. Take a look at your house.

It’s crystal clear that you have a lot of personal property you love. Could be your laptop, phone camera, watch, bike, even your T.V. Almost everything in your house has value and adds up quickly.

Ensure not to underestimate the value of your property when you want to get the renters insurance as this will leave you dry and high in case of an eventuality.

Being aware of your property’s worth and the amount of cover you will need will not only make sense when it comes to your wallet, but it also achieves considerable success in giving you inner peace in future. You will want to ascertain all your personal property is has a Lemonade cover.

How to Approximate your Property’s Value

Go through these tips as they will help save money and time in the future;

1. Take your time and walk around the apartment, taking videos and pictures of anything you love.
2. Create a list of the everything you have in the video or image of, and approximate their cost;

• Take photos of the receipts of the items, in case you would want to replace using the given warranty or make an insurance claim
• For costly stuff and electronics, knowing where you bought them from, their make and model is crucial

3. For the shoes, items in your kitchen which do not use electricity and other bulky stuff put them together and estimate their cost.
4. Get the sum of all these things and voila, you get the value of your property (the amount of coverage you’ll have)

Most insurance policies begin with 10000 dollars’ worth the coverage of your personal property, known as the contents insurance. People are different, and you can, therefore, tailor the coverage to suit your lifestyle. Get the exact figures below.

Amount of Renter’s Insurance You Require

The amount you got from the calculation you made, add 10,000 dollars to it for every member who stays in your house. Don’t forget to include yourself. It covers clothing, furniture, and small stuff. If you usually go for brand names, fancy electronics, and expensive cookware, we recommend you get the 15,000 dollars coverage instead of the 10, 000 dollars.

Below is the amount of coverage you’ll require for all your stuff;

Example 1

Say you live in the city, and you have a sound system worth $1,500, a ring $ 5,000, bike $1,500. Your spouse also has a motorcycle worth $2,000, and you both love brands.

The amount you’ll get for your coverage for these stuffs would be:

$1,500 + $1,500 + $5,000 + $2,000 + ($15,000*2) = $40,000

Example 2

Say you are a university student; you might think you have very few things. Rethink!

Laptop $1,250, bike $1,500, phone$ 850, and your clothes. Your coverage amount for these properties would be;

$850 + $1,500 + $1,250 + ($10,000) = $13,500

Several financial planners would suggest you round off the figure you come up with to the nearest $10,000, always remember to be realistic in the long run.

The best thing to do is to pay up a monthly premium you’ll be comfortable with and also consider the amount you will be able to afford when paying out of your pocket after some time.

This trick can come in handy; In case you lose everything today, how much will you be able to pay from your pocket? If your answer goes below the figure above, you should think of more coverage and vice versa. If the number is high, go low.

Note About Expensive Items

Sub-limits are some of the things people often miss when they sign up for the renter’s policy.

Okay, a basic insurance policy covers at least $1,500 worth of items like jewelry, bikes, fine arts, musical instruments, and cameras. However, the value of your expensive items is likely to be high. It means you have to schedule those things by adding extra coverage, to include their total cost.

To add to the renter’s Insurance, these typically translates to some extra dollars and maybe less, on your monthly premium.

Many homeowners lose their homes because of failure to completely repay their mortgages. For most of these people, it is not their own making that they end up facing a foreclosure. A significant percentage has been served with foreclosures while others are threatened to fall in the same boat. In this article, Samuel Schwartz, who works at a top bankruptcy lawyer Las Vegas firm, shares insight on why it’s important to work with a foreclosure attorney.

If you are faced with a hardship and you cannot finish mortgage repayment, a lawyer can help prevent your home from being sold.

If you can prove that you are faced with financial hardship (you lost a family member, you are ill, lost wages, you are bankrupt or the rates increased due to an adjustment) you should file for loan modification or file for bankruptcy with Chapter 7 or 13. A loan modification will permanently alter the terms of your initial agreement, Chapter 7 temporarily stops a foreclosure while Chapter 13 stops foreclosure and allow you clear the mortgage arrears.

Whichever way you choose to go about it, you need a lawyer. When you receive a foreclosure notice, you must immediately contact a foreclosure lawyer. There are several measures you can use to avoid a foreclosure, all of which need a defense attorney.

How to Avoid Foreclosure

The following are ways to avoid foreclosure:

1. Loan modification
2. Short sales
3. Refinance
4. Deed In Lieu
5. Filing for bankruptcy
6. Contesting foreclosure
7. Reverse mortgage

A foreclosure defense lawyer can help you execute any of the above options to prevent losing your house in Florida, New Jersey, Pennsylvania and New York.

Get Foreclosure Help From a Lawyer

Here are the ways in which a lawyer can help you stop foreclosure:

• A foreclosure attorney will guide you through the bankruptcy process regardless of whether you have filed under Chapter 13 or Chapter 7. The court places an “automatic stay” as soon as you file bankruptcy which prevents creditors from any attempts to collect money from you. A lawyer can help stop the foreclosure for three months if you have filed bankruptcy under Chapter 7 and for up to five years for filing under chapter 13.
• The attorney can also review your financial situation to come up with a repayment plan that suits your situation.
• You need guidance of a foreclosure lawyer in order to file a petition with bankruptcy court. The lawyer will advice you on which paper work to submit which may include: financial records, proof of income, list of liabilities, record of your assets, etc.
• A reputable lawyer will discuss with you all the available options to stop a foreclosure and help you select the best option. This will only be possible if you are honest enough to tell the lawyer the truth about your mortgage default. You must disclose your financial information and let the attorney know the real reasons why you are unable to make payments.

If you have been served with a foreclosure, you definitely know that no mortgage payments are accepted by the bank after the foreclosure proceedings have began. The only thing you are left with and the most important thing is to fight the foreclosure.

The rapid increase in immigration worldwide, ease of travel and the fast economic pace of change, not to mention the advances in technology and the internet have all led to increased demand for quick convenient transferring of money. Whatever the reason for transferring money whether it is to family and friends, to pay bills back home whilst away travelling, for purchasing overseas property or paying for bargain auction wins on E-bay… online money transfers are only set to increase and are here to stay. For example, you can get a site that offers Perfect Money deposit in the USA and use it for transfers.

Here are some of the most common complaints or gripes customers have with online money transfers:

Safety Concerns

Although the procession of endless veirification forms that need to be filled in before transferring money online security breaches still do occur. False web-sites looking exactly the same as the official sites are occassionally encountered also. If you ever receive an e-mail containing a link you must ensure that it is leading to the official site and not to a spoof site. These sites can be extremely convincing right down to containing terms and conditions of usage and so on… be careful.

Large Transfer Fees

Can I buy Bitcoin with PayPal instantly and at a low cost? Yes, you can. However, while online money transfers at first can seem relatively cheap the fees can soon add up. This is especially true if you regularly send money each week in small amounts as these proportionally speaking fees wise tend to take the biggest hit.

Almost everybody wastes money unknowingly, even you who is always over cautious of your expenditure. You don’t have to be embarrassed because it is inevitable. Some of your budget leaks can be little unnoticeable amounts while others can be huge amounts. The small amounts eventually add up to a whole big amount. The only way you will not feel bad about any budget losses you make, is to be careful not to waste money knowingly.  Here are ways to help you not waste any more money:

1. Plan for shopping by going through all your staff and determine what you, distinguish between what you need and what you want. Avoid impulse shopping otherwise you might end up buying similar things to the ones that you already have. When buying an insurance do a very good homework about what your actual needs are rather than wait for a salesperson to come and convince you on what he or she thinks your needs are.
2. Credit cards are one of the biggest things that waste money so avoid keeping balances on your credit cards. This is because you will end up using a credit card to pay off all your debts. Pay all your credit card balances in full every month and use credit card rewards to pay off other small things that add up to your expenditure everyday. Always strive to ensure that your cost is outweighed by rewards credit card.

Most banks that issue different types of mini bus loans include a clause in the loan agreement about mandatory minibus insurance insurance. And this is understandable because the mini bus becomes collateral for the lending bank. The bank needs to protect itself in case the mini bus gets stolen or involved in an accident.

Initially, before insuring a mini bus,  it is necessary to get the information about the insurance company you want to sign up with. The other thing to check is the insurance program options available.  Finding out the reputation of the insurer can be done through the Internet. For example, check customer feedback about the company. You are likely to find out whether customers are thankful or angry about the insurance company.

The next thing to do is to educate yourself of all minibus insurance terms. You should also find out about the provisions of the insurance package you want to sign up for. For example, find out the  amounts of insurance benefits and on what conditions are they provided? Perhaps one of the main issues is that the insurance premiums will you be charged will be high. This is why it’s important to find out about the insurance package before signing up.

A bridge loan is a type of short-term loan that is usually given to a business to help it meet its financial obligations between two longer-term financing loans. The loans are usually used to cover capital shortfalls that can occur when the business needs to pay off one loan before a new loan-term loan is approved.

The loan provides the necessary financing when you need money fast. For example, if the company has to buy some assets but does not have the money to do so, a bridge loan can be secured to purchase the asset.

Types of Bridge Loans

There is no restriction on how you can use a bridge loan. Most companies use the loans to cater for mortgage or for operational capital. For instance, if the company’s mortgage loan on its premises is dues before the company finds a suitable replacement long-term mortgage loan, a bridge loan may be acquired to pay off the current mortgage. Form these, when the new long-term, loan is acquired, it will be sued to pay off the bridge loan.

Life insurance is very important in ensuring the welfare of each person. A person creates a financial guarantee for the family with his life insurance in case he passes to the better world.

Life insurance has been developing for over 2000 years originating from natural, “automatic” response of economic society for various circumstances of human life.

Life insurance is an important tool through which economic and social needs of society can be implemented, and is one of the highest forms of meeting such social needs as:

– financial protection against adverse events
– maintaining the usual standard of living after retirement
– savings for education
– input of skills through wages supplement
– possibility of obtaining loans and so on

Nowadays, life insurance is one of the most important and dynamic industries in the global insurance market.

People increasingly understand the necessity to provide their living and guarantee a decent start for their children.

A client who has decided to insure his life is to evaluate his risks in a due way.

The practice of life insurance (and Health Life Insurance) gives incredible variety of insurance contracts.

The main criteria of life insurance contracts are: an object of insurance, a subject of insurance, insurance premiums payment procedure, insurance coverage period, a form of insurance coverage, types of insurance benefit, a form of contract awarding.

As soon as we have free capital, we ask ourselves a question – how can we save and expand our monetary resources in the conditions of constantly growing inflation?

The classical answer to this question is depositing money in a bank. The effectiveness of this method of capital placement is quite illusory in the existing financial situation. Oftentimes percent rate for bank deposits is low, often not corresponding to the inflation level.

We are also interested in not only saving, but multiplying the existing capital.

Through step by step learning financial basics process every person starts to discover new investing perspectives for himself that allow him not only correctly allocate funds, providing reliability of their saving, but also receive quite a large profit from it. It’s important to note here that the development that financial markets received in the latest years, has significantly increased the list of tools and ways to invest money. Most of the time this list includes investing into business, funds, security papers, investing into research developments, precious metals (gold, silver, etc), real estate, antiques and other property.