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Important tips to follow while buying homeowner’s insurance

Important tips to follow while buying homeowner’s insurance

Home & Garden
Before shopping around for a homeowners insurance quote, learn more about the policy: Homeowner's insurance policy coverages: actual cash value vs. replacement cost. We'll start off with actual cash value and replacement cost, because if this coverage isn't specified in the quote, homeowners could be in for some serious trauma if there is an insurance claim. Simply put, actual cash value includes depreciating the value of items at the time of the insurance claims assessment. The depreciation calculation varies by the item insured, the insurance company and the individual claims adjuster. Replacement cost value does not depreciate the value of items insured at the time of the insurance claims assessment. Replacement Cost is the actual cost to replace an item destroyed or damaged i...
How to host stress-free Thanksgiving

How to host stress-free Thanksgiving

Lifestyle
Often, the holidays are filled with errands, shopping and road trips to parties with loved ones where gifts are given and dishes are passed. To the naked eye, these things can bring warm memories of happy holidays of the past. To a vast number of people, the idea of the hectic holiday season brings feelings of anxiety and stress, draining any or all enjoyment from what should be a time for celebrating the old, and creating the new traditions with friends and family. A little time spent planning ahead can make hosting the Thanksgiving holiday a snap. Cook Ahead Rather than spending all morning and possibly even all afternoon in the kitchen, leaving almost no time to relax or perhaps catch the football game, set aside the day before Thanksgiving for preparing the side dishes that c...
How to develop business strategies for success

How to develop business strategies for success

Finance
Business strategy development starts with a look at the existing situation of the business by answering questions like: Do the businesses in the existing portfolio constitute a good fit? Does the company have any competitive strengths? What approach is best for exploiting opportunities in tomorrow's world? Strategy Development for Big Businesses Big businesses formulate strategies at different levels. Corporate Strategy: The CEO and top management work at developing: A Vision Statement outlining the likely scenario in tomorrow's world A Mission Statement setting down the role the business wants to play in that world A statement of objectives translating that role into specific goals in terms of business portfolios and business results A strategy report specifying th...
Customer relationship – How to attract customers looking for quality

Customer relationship – How to attract customers looking for quality

Business
Customer relationship and marketing strategies are important for any business to thrive. With the advent of the Internet, aside from direct marketing, there are email marketing and web marketing used by small/home based businesses. Internet marketers also talk a lot about search engine marketing. Keeping Customer relationship good and attracting new ones is the only way any business can survive, and grow. How about attracting and targeting customers who are not mainly after price but looking for quality and products of value? These are clients who want a product or service that will provide their needs at the best possible price. Foremost, customer relationship should be shown by the business owner that their needs or problems are understood. And the responsibility of the busines...
How to clear college student loan debt

How to clear college student loan debt

Finance
The golden rule of college student loan debt is to never default. Although an unsecured debt, it is notoriously difficult to write off and defaulting on a student loan will leave fewer options. Income based repayment plans, forbearance and deferring repayment will no longer be possible. Repaying student loans at an affordable rate is the best option when disposable income is limited. It isn't in anyone's interest to see the borrower default so a number of different forms of assistance and guidance are now available. Income Based College Student Loan Debt Repayment Since the 1 July 2009, it is possible to cap each monthly student loan repayment at a more affordable rate. Hard-up college graduates are now able to pay just 15% of the amount of income they make that exceeds the federal p...
Global financial crisis promotes frugal living

Global financial crisis promotes frugal living

Finance
The media is rife with stories of the negative impacts of the Global Financial Crisis, but there have been many new developments of a more positive nature that do not get coverage in the tabloids or gain airtime in the electronic media. Upside to the GFC - Lower Interest Rates Increase Housing Affordability Interest rates are down, considerably. The cost of a mortgage is well down on the rates being charged just eighteen months ago. Monthly repayments on variable mortgages are lower in line with lower interest rates, and if the repayments have remained the same the principal of the loan is reduced as the interest component of the repayment is a lesser proportion of the monthly installment. This allows the homeowner to get ahead, and create some contingency to delay payments for a whi...