Advertorial

Too many drivers have been overpaying for car insurance. Take these 3 steps to compare coverage and get the best rates. Find out how much you can save!

STEP 1: Understand what you are buying and what it costs. Know exactly what you are paying for:

Deductibles
Coverages
Personal Injury
Bodily Injury
Total Cost

Make notes for each carrier to ensure you are comparing apples-to-apples.

STEP 2: Ask auto insurance providers about various ways to save including:

Discounts for students with good grades
Discounts for safe drivers
Discounts for senior drivers
Discounts for adding theft protection
Discounts for local drivers
Discounts for raising your deductible
And more…

STEP 3: Shop various auto insurance policies including your own (if you currently have one). Do this approximately every two years to ensure you are taking advantage of the best rates. Don’t just blindly pay whatever your auto insurance company wants without seeing what else is out there.

Understanding the policy, getting discounts and shopping around are three steps you can take to save money on auto insurance. It may even be enough to offset your car payment or to take your loved one to a nice dinner. You’ll deserve it for the effort you put into the process of saving on auto insurance.

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Government Distributes $1.8 Trillion in Benefits Annually. What is Your Fair Share?

Government Distributes $1.8 Trillion in Benefits Annually. What Is Your Fair Share?

In the United States, many benefits are available from federal, state, and local government assistance programs that help people in need. Sometimes, the benefits are open to everyone, such as disaster relief, while other benefits are tied to your income. Often, online tax software can suggest programs available to you by evaluating your income against program requirements.

Types of Benefits Available

Federal programs are available to any U.S. citizen, whereas you must live in a particular state or locality to receive its benefits. Let’s focus on a few of the most popular benefits programs that are designed to help those with lower income.

Food: Each state administers the federal government’s Supplemental Nutrition Assistance Program (SNAP), commonly called food stamps. Millions of people qualify for this program and receive assistance for the purchase of basic food items. Maximum income levels vary by state. For example, a couple with annual income below $20,450 can qualify for SNAP in Illinois. Other food related benefits are available from the Child and Adult Care Food Program, Commodity Supplemental Food Program, Special Nutrition Program for Women, Infants and Children, and many more.

Health: The Affordable Care Act provides millions of dollars in health insurance subsidies for low- and middle-income families. The subsidies are available when you buy from the Health Insurance Marketplace, and the amount of subsidy is highest for those with the lowest income. Medicare and Medicaid also provide substantial health-care benefits for the elderly or poverty-stricken. Communities often have free clinics that offer some level of health care to the poor. Social Security offers two forms of disability payments that help those who meet the program requirements. There are also special programs at all levels of government that specialize in specific health problems, such as HIV/AIDS, mental illness, drug/alcohol dependency, maternity/childbirth and end-stage renal disease.

Housing: Various federal programs from the Department of Housing and Urban Development help you find or refinance a mortgage, or help you to sell your current home and move into more affordable arrangements. There are also programs that assist the homeless, and most localities have shelters available for the indigent. Special programs exist to help with housing for the physically challenged, those wanting assistance with energy costs, victims of housing discrimination, folks looking for public housing, and many others.

Unclaimed Money: You may be entitled to unclaimed money stemming from bank failures, matured savings bonds, pensions, mortgage refund and other sources. This is your money, but you haven’t collected it yet. Each state keeps a database of unclaimed funds and property. You can also search the Pension Benefit Guaranty Corporation’s database for unclaimed pension funds from bankrupt companies. The IRS or state tax authority will let you know if you have an unclaimed refund. Other agencies that can help you claim money due you include the U.S. Treasury, the Federal Deposit Insurance Corporation, the Securities and Exchange Commission, the Federal Housing Administration, the Veterans Administration and several others.

Software Can Help

Using tax software can help you easily identify opportunities for additional savings. Often, the software will analyze your situation and suggest available savings or benefits. A tax preparation program is the perfect vehicle for finding benefits and savings, because it has almost all of the relevant information: your income, dependents, where you live, employment status, military status, health costs and insurance, and dozens of other factoids that it can analyze to find you money. Be sure to answer the software’s prompts when it offers to find those savings for you.

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Retirement: What do you need to know about Annuities?

EVERYTHING THE AGENT DID NOT TELL YOU ABOUT ANNUITIES

Are you stuck in a low rate fixed annuity? Find out how to get out.
Will you lose 50% of your annuity value to estate and income taxes? Many do and your loss can be avoided
The annuity that rises with stocks, but doesn’t go down
For $50,000, how to get $4,500 every year for life
How annuities can help provide insurance for Long-term Care
How annuities help reduce or eliminate the tax on your Social Security income
How to use annuities to provide a 2nd lifetime income (in addition to social security)

Retirement: What Rollover Mistakes are you making?

RETIRING OR CHANGING JOBS?

FREE REPORT REVEALS…

Avoid the 20% withholding tax on your rollover
Should you rollover to a traditional or Roth IRA for least tax?
The one benefit you lose when you rollover your 401k that could make you think twice
Take money out of your 401k at reduced tax or even tax free
The one type of investment you MUST remove from your 401k before you rollover (or pay the IRS needlessly)

Retirement: When can you retire?

Get the Guide, Learn the Following:

To avoid the retirement risk GREATER than running out of money
Several ways to generate more income during retirement
How “annuitizing” can bring you more spendable cash during retirement
An easy way to know if you have enough on which to retire
Four ways to remedy having insufficient income and assets for retirement
The three risks that every retiree must plan for or suffer UNNECESSARY consequences

The Tragedy and High Cost of Losing Your Pet

ADVERTORIAL

Did you know: every single year, more than 10 million dogs & cats go missing or get stolen in the U.S.A.. That’s 1 out of every 3 pets in the country, at some point during their lifetime.

No one likes to think about it: the panic you feel when you call your beloved pet’s name and they don’t answer. You call them again and they still don’t answer. You shake their favorite squeaky toy and wave a tempting treat, hoping this will lure them to the sound of your voice. Still no answer. You start to search, frantically in all of their favorite “spots” in the home and backyard and then expand the search to the neighbors and other places they might be. If you’ve ever experienced the heartbreak of a lost pet – then you know that the only thing that makes it all better is when you are reunited once more.

Losing a pet can be heartbreaking and also costly. If your pet wanders into the street and is hit by a car, they may be hurt and nearby but unable to answer your voice. When you find them, you can face a veterinary bill that ranges from a thousand to ten thousand dollars, depending on the injury. Whether you or a family member left a door unlocked by accident or your pet wiggled out of a “secure” fence, at that point simply doesn’t matter.

Sometimes your pet can get loose and fortunately get found by the local animal shelter or county dog catcher. While you have a wonderful – furry and happy reunion – you are still facing a costly situation. Some animal shelters will charge you a “boarding fee” for the number of days Fluffy or Fido has been with them. They likely will also charge you for any vet care or shots or if the animal was spayed (in case they were preparing the animal to be adopted). A dog catcher from the county may also charge a fee too. Depending on what part of the U.S.A. you are in, your bill can range from $50 to $300.

If your pet gets lost and has a bit of an adventure and meets a new “friend” er, a skunk then this is going to be a smelly problem to fix. “De-skunking” your cat or dog, to remove the offensive and strong odor, can be a yucky if you do it yourself and expensive if you can find a groomer to do it. Some groomers charge extra fees given the lingering smell your pet makes even after the treatment and service. Depending on breed, this can run you up to $200.

What happens when you can’t find your pet and they do not return home? It is not unheard of for purebred cats and dogs to be stolen and then re-sold for a profit or kept by the people who took them. Some pets simply go missing and never come back. Without some type of GPS tracking device, you are simply at the mercy of your local neighbors and police.

So can you afford not to invest in the extra protection for your beloved pet? One solution is the pet TrackR starting around $29. Plus, for a limited time, you can still get free shipping.

Not being able to find your loved pet quickly can not only be an expensive endeavor, but one that leaves you with heartache that is difficult to deal with in the short, and possibly the long, term.

New “Blinding” Tactical Flashlight is a Must Have For Every American…

ADVERTORIAL

Get 75% Off World’s Coolest Flashlight!

Do you suffer from “Dim Flashlight” disorder?

You know, that exasperating feeling when you turn on an old flashlight, only to discover it’s foggy bulb can barely light the way to the bathroom, let alone down a dark hallway or country road in an emergency.

The truth is, most people underestimate the importance of owning a great flashlight for their home, car or boat.

Ask any fireman, police officer, military man, survivalist or hunter and they’ll tell you how critical it is for them to have a flashlight at their disposal at all times… and for them, not just any flashlight will do. Those clunky plastic halogen flashlights that require C or D batteries are practically worthless – they’re just too heavy, too dim, and too easily broken.

Thankfully, recent advancements in lighting technology have taken flashlights to the next level. Compact LEDs have led to smaller flashlights that put out more light while using a fraction of the energy their old-fashioned counterparts use… but before you run out to Home Depot to buy any old LED flashlight, you need to know about a new tactical flashlight called the G700 which uses recently released military technology now available to the public…

Made out of nearly indestructible Machined Aircraft Aluminum, the G700 runs on 2 AA batteries and is able to light the way to safety with 700 blinding lumens of light, a super cool ZOOM feature (demonstrated in the photo above), an ‘SOS mode’ to signal for help with, as well as a ‘strobe mode’ that produces a pulsating frequency that disorients a threat within milliseconds!

One well known Navy Seal says it’s the #1 Tool everyone should own as it could be a lifesaver during a natural disaster… literally!

Massive orders are coming in from Police Departments, Fire Departments, and Armed Forces… and the National Gun Owners Association just announced a whopping 75% discount on G700’s for new customers (including the general public) while supplies last…

Don’t miss out on this rare opportunity!

Click Here to Get 75% Off Your Own Military Grade Tactical G700.

Don’t Let Your Car Insurance Provider Make You Furious & Short-Changed

Advertorial

If you haven’t heard yet, right now there’s a huge uproar within the auto insurance industry.

After a recent investigation, millions of car drivers have discovered they have been overpaying for their car insurance, needlessly, for many years. Shockingly, in many scenarios drivers were paying up to 50% more than they should be.

This adds up to thousands of dollars for each of the many consumers affected. The simple truth is, insurers use a scheme which they refer to internally as “Price Optimization”, to charge some of their customers much more than others. For the time being this tactic is legal, and it has resulted in a huge boost in profits for insurance companies.

Interestingly, it is drivers who purchased their policies directly online or via telephone that were often overcharged. If you purchased your policy via a select number of online services, you should not be affected.

That’s because insurance companies choose to sell a portion of their policies each year through online services at much lower rates than they would otherwise offer. Due to the fierce competition in the insurance market, they offer these much lower rates in an effort to acquire new customers – even though this reduces their profit.

Consumers shocked by prices

School teacher Karen Green recently used the service to find out if she was overpaying for car insurance on her VW Beetle and was simply shocked at the results. She input her details and received a quote that was $311.56 lower than her current policy. “I can’t believe I’ve been wasting so much money for all of these years paying higher rates” she said.

“I’m quite annoyed that I’ve been ripped off, but at the same time I’m also slightly relieved as this extra money I can get back will really help out right now”.

“The right discount can knock hundreds of dollars off your car insurance bill” says industry insider Amy Danise. But these discounts aren’t advertised or automatically offered because insurers don’t want everyone to know about them. One of the only ways to get a fair price is to use an independent industry connected service that has access to these steep discounts.

Dispelling a myth: There is a common false understanding -or myth- among car owners that once you have purchased an insurance policy you cannot cancel it. This is simply not true. You can cancel your insurance policy and change providers at anytime.

Did you know that car insurance rates have dropped?

In reality, insurance rates have dropped in recent years – partly due to better safety features in modern cars such as increased breaking power and skid prevention technology. This helps prevent crashes from happening in the first place and translates into less costs for insurers. Unfortunately these savings aren’t always passed on to customers and they instead charge even more.

If the amount you are paying for your policy this year is the same or more than the previous year, it is quite likely that you are victim of “Price Optimization” and are paying more than you should be.

If you would like to find out the “true” rate you should be paying for your car insurance policy, click here to get the answer. All you need to do is head over to their website, fill in your zip code and a few other details and then click “Compare”. The whole process is very fast, very easy and FREE. It will take around 4-5 minutes to complete and could save you hundreds of dollars.

If you’d like to save potentially hundreds of dollars on your car insurance, click here.

You may very well be shocked with the cheaper rates available.

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