(2361,872,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_3 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_6\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">These 12 Habits Will Help You Reach Financial Freedom</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_7\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Achieving financial freedom is a goal for many people. It generally means having enough savings, investments, and cash on hand to afford the lifestyle we want for ourselves and our families—and a growing nest egg that will allow us to retire or pursue the career we want without being driven by earning a certain amount each year.</p>\n<p>Unfortunately, too many of us fail to achieve it. We are burdened with increasing debt, financial emergencies, profligate spending, and other issues that thwart us from reaching our goals. And we encounter unexpected events, such as the pandemic, that overturn our plans and reveal holes in the safety nets we tried to weave for ourselves and our families.</p>\n<p>Trouble happens to nearly everyone, but these 12 habits can put you on the right path.</p>\n<p>1. Set Life Goals<br />\nWhat is financial freedom to you? A general desire for it is too vague a goal, so get specific. Write down how much you should have in your bank account, what the lifestyle entails, and at what age this should be achieved. The more specific your goals, the higher the likelihood of achieving them.</p>\n<p>Next, count backward to your current age and establish financial mileposts at regular intervals. Write it all down neatly and put the goal sheet at the very beginning of your financial binder.<br />\n2. Make a Budget<br />\nMaking a monthly household budget—and sticking to it—is the best way to guarantee that all bills are paid and savings are on track. It’s also a regular routine that reinforces your goals and bolsters resolve against the temptation to splurge.</p>\n<p>3. Pay Off Credit Cards in Full<br />\nCredit cards and similar high-interest consumer loans are toxic to wealth-building. Make it a point to pay off the full balance each month. Student loans, mortgages, and similar loans typically have much lower interest rates; paying them off is not an emergency. Paying on time is and will build a good credit rating.</p>\n<p>4. Create Automatic Savings<br />\nPay yourself first. Enroll in your employer’s retirement plan and make full use of any matching contribution benefit. It’s also wise to have an automatic withdrawal for an emergency fund, which can be tapped for unexpected expenses, and an automatic contribution to a brokerage account or something similar.</p>\n<p>Ideally, the money should be pulled the same day you receive your paycheck, so it never even touches your hands, avoiding temptation entirely. However, keep in mind that the recommended amount to save is highly debated. In some cases the feasibility of such a fund can be a question.</p>\n<p>5. Start Investing Now<br />\nBad stock markets can make people question this, but historically there has been no better way to grow your money than through investing. The magic of compound interest will help it increase exponentially over time, but you need a lot of time to achieve meaningful growth. Don’t try to be a stock picker or trick yourself into thinking you can be the next Warren Buffett. There can only be one.</p>\n<p>Instead, open an online brokerage account that makes it easy for you to learn how to invest, create a manageable portfolio, and make weekly or monthly contributions to it automatically. We’ve ranked the best online brokers for beginners to help you get started.</p>\n<p>6. Watch Your Credit<br />\nYour credit score determines what interest rate you are offered when buying a new car or refinancing a home. It also impacts seemingly unrelated things, such as car insurance and life insurance premiums.</p>\n<p>The reasoning is that someone with reckless financial habits is also likely to be reckless in other aspects of life, such as driving and drinking. This is why it’s important to get a credit report at regular intervals to make sure that there are no erroneous black marks ruining your good name.</p>\n<p>7. Negotiate<br />\nMany Americans are hesitant to negotiate for goods and services, worrying that it makes them seem cheap. Overcome this cultural handicap and you could save thousands each year. Small businesses, in particular, tend to be open to negotiation, where buying in bulk or repeat business can open the door to good discounts.</p>\n<p>8. Continuous Education<br />\nReview all applicable changes in the tax laws each year to ensure that all adjustments and deductions are maximized. Keep up with financial news and developments in the stock market and do not hesitate to adjust your investment portfolio accordingly. Knowledge is also the best defense against those who prey on unsophisticated investors to turn a quick buck.</p>\n<p>9. Proper Maintenance<br />\nTaking good care of property makes everything from cars and lawnmowers to shoes and clothes last longer. As the cost of maintenance is a fraction of the cost of replacement, it’s an investment not to be missed.</p>\n<p>10. Live Below Your Means<br />\nMastering a frugal lifestyle by having a mindset of living life to the fullest with less is not so hard. Indeed, many wealthy individuals developed a habit of living below their means before rising to affluence.</p>\n<p>This isn’t a challenge to adopt a minimalist lifestyle or a call to action to head to the dumpster with things you’ve hoarded over the years. Making small adjustments by distinguishing between the things you need and the things you want is a financially helpful habit to put into practice.</p>\n<p>11. Get a Financial Advisor <br />\nOnce you’ve gotten to a point where you’ve amassed a decent amount of wealth—be it liquid investments or tangible assets that aren’t as readily available to convert to cash—get a financial advisor to educate you and help make decisions.</p>\n<p>12. Take Care of Your Health<br />\nThe principle of proper maintenance also applies to the body. Invest in good health with regular visits to doctors and dentists, and follow health advice about any problems you encounter. Many problems can be helped—or even prevented—with lifestyle changes such as more exercise and a healthier diet. Some companies have limited sick days, making it a notable loss of income once those days are used up. Obesity and ailments make insurance premiums skyrocket, and poor health may force earlier retirement with lower monthly income.</p>\n<p>The Bottom Line<br />\nThese 12 steps won’t solve all of your money problems, but they will help you develop healthy habits that can get you on the path to financial freedom—whatever that means for you.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2362,872,'_et_pb_truncate_post_date','2021-06-02 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et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">What impacts the cost of motorcycle insurance?</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Here’s what affects your price for motorcycle insurance<br />\n <br />\nLocation<br />\nWe know you live to ride, but did you know that where your ride lives greatly impacts your insurance rate? Riders in colder states with shortened riding seasons usually have fewer accidents and insurance claims. That means lower rates. Conversely, you’re likely to pay more for motorcycle insurance in warmer states, where more opportunities to ride lead to more accidents and claims.</p>\n<p>Age and riding experience<br />\nGenerally, your rate will decrease as you get old older, until you reach your 70s. Teenage riders pose the biggest risk for insurers, and will typically pay higher rates. But your age won’t always tell the whole story. If you’re an inexperienced motorcycle rider, you may pay a higher rate than a much younger rider with more experience. For example, a 35-year-old who just started riding may pay more than a 23-year-old with five years of riding experience.</p>\n<p>Vehicle usage<br />\nIf you ride to and from work, you’ll usually pay more than a casual weekend rider. Using your bike for business purposes may make you ineligible for a personal motorcycle policy and require a business policy.<br />\nAt many insurers, annual mileage may also impact how your rate is calculated. The more you ride, the higher your rate.  </p>\n<p> </p>\n<p>Speeding and traffic tickets<br />\nA speeding ticket on your motor vehicle report will likely increase your price for motorcycle insurance, whether the violation happened in your car or on your bike. In most states, violations will usually fall off your driving record after three years and your insurer will no longer charge you for it.</p>\n<p>Accident and claim history<br />\nAny auto or motorcycle accident on your motor vehicle or claims history will likely increase your motorcycle insurance rate. At-fault accidents will generally be costlier than not-at-fault accidents, and most claims will negatively affect your insurance price.</p>\n<p>Type of bike<br />\nWhen comparing motorcycles in the same class, the model with the bigger engine will usually cost more to insure. A high-performance bike has a greater risk for an accident than a touring model.</p>\n<p>Coverage selection<br />\nAdding comprehensive and collision will cost you more than the state minimum liability coverage. While a liability-only policy will cost the least, it won’t protect your bike from physical damage. <br />\nThe higher your deductible, the more of the repair or claim cost you’ll have to take on. That means your out-of-pocket costs will be higher at the time of the accident, but you’ll have a lower overall rate and vice versa.<br />\nJust get a quote to see exactly how customizing your coverages impacts your rate.</p>\n<p>Credit<br />\nMany motorcycle insurers check credit, so a better credit rating can add up to money saved on insurance. Remember, getting a quote will never affect your credit score.</p>\n<p>Motorcycle endorsement<br />\nA motorcycle endorsement is simply a driver’s license for motorcyclists. While not required in every state, having one will bring down your cost for insurance. </p>\n<p>Harley-Davidson® Owners Group<br />\nIf you’re a HOG association member and have at least one Harley-Davidson on your motorcycle policy, you’ll earn a discount in 42 states.</p>\n<p>Multi-policy<br />\nIf you already have an auto, home, boat, or RV policy with us, you’ll enjoy a multi-policy discount on your motorcycle policy.<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2533,929,'_et_pb_truncate_post_date','2021-03-16 03:03:13'),(2534,929,'_et_builder_version','VB|Divi|4.0.9'),(2535,929,'_et_pb_show_page_creation','off'),(2536,937,'_edit_lock','1606516305:1'),(2537,937,'_edit_last','1'),(2538,937,'_et_pb_post_hide_nav','default'),(2539,937,'_et_pb_page_layout','et_right_sidebar'),(2540,937,'_et_pb_side_nav','off'),(2541,937,'_et_pb_use_builder','on'),(2542,937,'_et_pb_built_for_post_type','page'),(2543,937,'_et_pb_ab_subjects',''),(2544,937,'_et_pb_enable_shortcode_tracking',''),(2545,937,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"937\" /]'),(2546,937,'_et_pb_custom_css',''),(2547,937,'_et_pb_gutter_width','3'),(2548,937,'_thumbnail_id',''),(2549,937,'_et_pb_first_image',''),(2550,937,'_et_pb_truncate_post',''),(2551,937,'_et_pb_truncate_post_date',''),(2552,937,'_et_builder_version','VB|Divi|4.0.9'),(2553,937,'_et_pb_show_page_creation','off'),(2554,943,'_edit_lock','1606517657:1'),(2555,943,'_edit_last','1'),(2556,943,'_et_pb_post_hide_nav','default'),(2557,943,'_et_pb_page_layout','et_right_sidebar'),(2558,943,'_et_pb_side_nav','off'),(2559,943,'_et_pb_use_builder','on'),(2560,943,'_et_pb_built_for_post_type','page'),(2561,943,'_et_pb_ab_subjects',''),(2562,943,'_et_pb_enable_shortcode_tracking',''),(2563,943,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"943\" /]'),(2564,943,'_et_pb_custom_css',''),(2565,943,'_et_pb_gutter_width','3'),(2566,943,'_thumbnail_id',''),(2567,943,'_et_pb_first_image',''),(2568,943,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Contents Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>According to the FBI, in 2018, property worth more than $16 billion dollars was reported stolen. Many people remain under the misconception that their homeowners policy provides coverage for all the personal belongings in their homes regardless of the type of property. <br />\nThat’s not entirely true, though. And every year, many policyholders learn this the hard way when their valuable personal property is damaged or stolen.<br />\nMoreover, many homeowners and renters don’t carry enough personal property insurance, also called contents insurance, on some of their most valuable possessions.<br />\nIt is important for homeowners and renters alike to obtain and maintain the correct type and amount of contents insurance to ensure that their valuables will be replaced after a loss.  </p>\n<p>The Basics of Personal Property Coverage<br />\nThe personal property insurance section of homeowners and renters policies has two very distinct coverage gaps that every policyholder should understand and address to make certain their property is covered sufficiently:</p>\n<p>Valuation: Your insurance policy has a valuation clause regarding how it determines the value of your personal property at the time of a loss, and there are two methods for doing this. You decide which method should be used when the quote is calculated and the application completed. One method is actual cash value, which is calculated by using the purchase price minus depreciation. The other and more popular method is calculated by establishing replacement cost, or the cost to get the item new, and using that amount for reimbursement. With both methods, the deductible you select on the application is subtracted from claim payments.<br />\nSublimits: Homeowners insurance companies have determined that some categories of personal property are much riskier than others, and as a result, they have established sublimits for payment in those cases:</p>\n<p>Most homeowners and renters policies allow policyholders to increase the limits on some or all of these categories with endorsements and additional premiums. <br />\nPolicyholders may also elect to &#8220;schedule&#8221; any items whose value exceeds the sublimits assigned to their category. This is also done with endorsements and paying additional premiums.<br />\nFinding that you have coverage gaps after a claim can be financially devastating. You can prevent this from happening by asking questions during the quote and application process.</p>\n<p>Should Renters Also Get Personal Property Coverage?<br />\nYour landlord’s insurance will not cover your belongings if the structure in which you’re renting burns to the ground. If your rental is burglarized and your personal property stolen, your landlord’s contents insurance will not cover that either.<br />\nIn fact, your landlord’s insurance will only cover losses related to the structure. If you haven’t purchased contents insurance for the apartment, condo, or home you are renting, you will have to pay out of pocket to replace your property.<br />\nThe loss of use coverage in a rental policy also has an effect on your personal belongings. If your apartment was unlivable because of a fire, your loss of use coverage would reimburse you for the additional expense of a temporary rental while your apartment or home is under repair. This would include temporary storage expenses for your belongings.<br />\nThe bottom line for renters and homeowners is basically the same regarding contents. In order to get the right amount of coverage for your personal belongings, speak with your insurance agent and consider every coverage and whether it provides the appropriate protection specific to your needs.<br />\nThe decision on whether to base your personal property coverage on replacement cost or actual cash value is always made at the time of application. If you prefer to have claims resolved in a way that allows you to replace your contents on a new-for-old basis, then replacement cost should be your choice. <br />\nIf you are not as concerned about your contents, and only expect the cash value for them at the time of a loss (depreciated value), then you should choose actual cash value coverage and save a little money on your insurance premium.<br />\nIf you prefer to have claims resolved in a way that allows you to replace your contents on a new-for-old basis, then replacement cost should be your choice. </p>\n<p>Getting the Right Amount of Personal Property Insurance<br />\nWhen it comes to your personal property insurance, you decide the amount of coverage you need under your homeowners or renters insurance. <br />\nMany agents have access to software that calculates personal property replacement cost based on national averages that take into consideration the rooms in your home or apartment, but do not consider things like expensive jewelry, furs, firearms, or artwork. <br />\nIf you do not keep any of these valuable items in your home or apartment, then the national average amount will probably suffice or be somewhat higher than your actual needs. If you have valuable items that are subject to sublimits in your policy, then you will need to discuss additional coverages with your agent.<br />\nYour responsibility as the applicant is to provide your agent with the value of the items you own (appraisals may be required) and to make certain they are insured appropriately by scheduling the property on your policy or purchasing a personal articles floater. <br />\nYour agent will help you decide which type of endorsement best meets your needs and the associated premium that will be charged for the additional contents insurance coverage. <br />\nIt is important to note that this property is insured at &#8220;stated value&#8221; rather than replacement cost, and the deductible that applies is typically lower than your policy&#8217;s regular deductible.<br />\nNamed-risk coverage vs. all-risk coverage: Depending on the type of policy being considered, your personal property will be insured for named perils (named-risk) or all perils (all-risk). A typical homeowners policy is written on a special policy form, called an HO-3 form, which provides contents insurance coverage on a named-risk basis. <br />\nThis means that 16 perils are covered. Many agents offer an HO-8 form, which is typically designed for newer homes that are protected by alarm systems and located in gated communities. This type of policy insures your contents on an all-risk basis. <br />\nThis means that your property is covered for every peril unless it is excluded in the policy. The exclusions are usually applied because another type of policy, such as flood or earthquake, provides coverage for the excluded peril.<br />\nUnscheduled property floater: An unscheduled property floater is a way to provide additional insurance on categories of personal contents on a broad basis. <br />\nInstead of separately listing each firearm in a collection and the amount of insurance required, the policy provides coverage for the firearm category and assigns a limit the company is willing to accept. The additional premium for this type of floater is typically much lower than a scheduled property floater.<br />\nScheduled property floater: A scheduled property floater provides a specific amount of coverage for specific items. You might list items such as these:</p>\n<p>One man&#8217;s watch: Rolex Model XYZ – appraised value $18,000<br />\nOne woman&#8217;s wedding ring: 2 ct diamond in 18 ct gold band – appraised value $6,000<br />\nOne antique 16-gauge shotgun: Remington – appraised value $8,000</p>\n<p>With a scheduled property floater, the policyholder insures by item rather than by category and the insurance company agrees to accept limits based on the appraisals. Although a higher premium is charged, a scheduled property floater will pay the limits on a per-item basis rather than a per-category basis.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2569,943,'_et_pb_truncate_post_date','2021-03-16 03:03:13'),(2570,943,'_et_builder_version','VB|Divi|4.0.9'),(2571,943,'_et_pb_show_page_creation','off'),(2593,959,'_edit_lock','1606521338:1'),(2594,959,'_edit_last','1'),(2595,959,'_et_pb_post_hide_nav','default'),(2596,959,'_et_pb_page_layout','et_right_sidebar'),(2597,959,'_et_pb_side_nav','off'),(2598,959,'_et_pb_use_builder','on'),(2599,959,'_et_pb_built_for_post_type','page'),(2600,959,'_et_pb_ab_subjects',''),(2601,959,'_et_pb_enable_shortcode_tracking',''),(2602,959,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"959\" /]'),(2603,959,'_et_pb_custom_css',''),(2604,959,'_et_pb_gutter_width','3'),(2605,959,'_thumbnail_id',''),(2606,959,'_et_pb_first_image',''),(2607,959,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Computer Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Computers are part of our daily lives, and most of us depend on at least one home computer. When a computer hasn’t been out of the box for long and something causes it to crash completely, what recourse do you have? What happens when you check the fine print on your computer warranty and find that the loss of data is not covered?<br />\nUnlike manufacturer&#8217;s warranties, computer insurance provides coverage for loss or damage of data, in addition to theft, loss, vandalism, and accidental damage.<br />\nComputers and laptops are often among our most expensive personal possessions. In addition to the initial purchase cost of a computer, you typically spend a significant amount on purchasing software, peripherals, and downloads. <br />\nAdditionally, the data you store on your computer can be invaluable, and the cost associated with loss of data can be difficult to estimate.<br />\nAccidental damage can leave a computer unfit for use. A coffee spill or water leak in your home can cause significant damage to your machine. <br />\nFire, lightning, and severe weather can also put your home computers, laptops, and stored data in jeopardy. A short circuit or high-voltage current can result in a fire or irrecoverable damage. <br />\nFinally, one of the greatest concerns for computer and laptop owners is the risk of theft.</p>\n<p>What Does My Manufacturer&#8217;s Warranty Cover?<br />\nMost laptop or computer warranties provide spare parts or cover the labor costs for repairs. However, these warranties only come into play if the laptop has hardware issues due to manufacturing defects. <br />\nTherefore, your computer’s warranty will cover problems with the internal components of a computer, but not your keyboard, monitor, peripherals, or software.<br />\nWarranties do not apply to hardware damage or defects arising from rough use. Some warranties become null and void if the user opens the computer and breaks a seal. The standard period for a warranty is usually one year.<br />\nWarranties do not apply to loss of data, malfunctioning of the system arising from its use, and other risks like theft or accidental damage. <br />\nThese warranties do not cover software issues either, regardless of whether they came with the system or you installed them later. Manufacturers may provide the following types of warranties:<br />\nInternational coverage: Providing a limited coverage, this warranty can be useful for people who often travel.<br />\nExtended coverage: This warranty extends the manufacturer&#8217;s warranty coverage for your computer or laptop. The duration of this warranty is between one and three years. Some versions also cover power surges, breakages, and liquid spills.<br />\nWhen you buy a computer, it can be worthwhile to check the manufacturer&#8217;s warranty to determine:</p>\n<p>How to return a damaged laptop<br />\nThe availability of telephone or email support<br />\nThe process of completing repairs<br />\nWhether repair parts will be new, used, or refurbished</p>\n<p>Does My Homeowners Policy Cover My Computer?<br />\nA homeowners policy typically will provide some coverage for your computer or laptop. The amount of compensation you receive after a loss will depend on whether you have specifically listed your computer on your policy, the amount of personal property insurance you buy, your deductibles, and other factors.<br />\nAnother thing to consider is whether you carry actual cash value coverage or replacement value coverage. Actual cash value coverage will compensate you for the depreciated value of the computer, not the cost of a replacement.<br />\nYour homeowners policy may cover loss or damage to your computer if it is caused by a covered risk, such as lightning or a resulting power surge. <br />\nHowever, the policy will most likely have some coverage limits applicable to expensive electronics like computers. It is important to note that your homeowners policy will not cover any computer malfunctioning.<br />\nIf one of your dependents is away at college and has a home computer on campus, your homeowners policy will typically cover that computer. Most policies offer the same limits that apply in your home, but they do limit the coverage to a percentage of the total loss. </p>\n<p>How Can Having Computer or Laptop Insurance Benefit Me?<br />\nWhile homeowners or renters insurance may cover damage to your computer up to a limit, having computer insurance has its own benefits. Most policies provide laptop theft insurance or computer theft insurance. However, with computers becoming increasingly mobile and portable, laptop insurance is a good idea today.<br />\nAlthough most computer insurance policies provide coverage for a variety of risks, data insurance is not one of them. Determining the value of data is not easy and data recovery is not always possible. <br />\nSome insurers do offer coverage for loss of data, but make sure you know under what circumstances, and how data is covered before you purchase a policy.<br />\nOther risks that even specialized computer insurance policies do not cover include:</p>\n<p>Corrosion or rust<br />\nDamage arising from environmental causes such as dust, heat, or humidity<br />\nIllegal acts<br />\nWar<br />\nPest and rodent damage</p>\n<p>Finding the Right Computer Insurance for Your Needs<br />\nOne option you need to consider is whether you want basic coverage or extended coverage. Ask yourself these questions to get a better idea of what you need:</p>\n<p>How do you use your computer or laptop — for personal use or for business purposes?<br />\nHow much did you pay for your computer?<br />\nHow often do you use it?<br />\nHow often do you travel with your laptop or computer?</p>\n<p>If you travel frequently with your computer or laptop and it is an expensive model, buying extended coverage can be beneficial. Your agent can give you a computer insurance quote that takes into account:</p>\n<p>The cost of insuring your laptop if it gets lost<br />\nThe likelihood of damage due to an insured risk</p>\n<p>Thus, if you experience a loss, the insurer will either pay an amount equal to the value of the computer, or compensate you for the market value if the damage cannot be repaired.<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2608,959,'_et_pb_truncate_post_date','2021-03-16 03:26:50'),(2609,959,'_et_builder_version','VB|Divi|4.0.9'),(2610,959,'_et_pb_show_page_creation','off'),(2611,967,'_edit_lock','1606521772:1'),(2612,967,'_edit_last','1'),(2613,967,'_et_pb_post_hide_nav','default'),(2614,967,'_et_pb_page_layout','et_right_sidebar'),(2615,967,'_et_pb_side_nav','off'),(2616,967,'_et_pb_use_builder','on'),(2617,967,'_et_pb_built_for_post_type','page'),(2618,967,'_et_pb_ab_subjects',''),(2619,967,'_et_pb_enable_shortcode_tracking',''),(2620,967,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"967\" /]'),(2621,967,'_et_pb_custom_css',''),(2622,967,'_et_pb_gutter_width','3'),(2623,967,'_thumbnail_id',''),(2624,967,'_et_pb_first_image',''),(2625,967,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_4 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_8\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_8  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Why Antiques May Not Be Covered in Your Home Policy</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_9\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_9  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_9  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Almost everyone has a special collection, whether it&#8217;s a collection of antiques, coins, art, figurines, dolls, collector cars, or fine wine. It’s hard to imagine anything happening to your treasured belongings. Antiques and collectibles insurance provides coverage for those hard-to-replace belongings in your home. </p>\n<p>Loss Scenarios: When You Need Collectible Insurance<br />\nIf you have questions about antiques and collectibles insurance and why it can be necessary to protect your items, it might be helpful to you to consider some scenarios that would make collectible insurance valuable to have. Here are just a few to consider:</p>\n<p>A heat wave or other event damages your wine collection<br />\nYour figurine collection is broken when a shelf collapses<br />\nBroken water pipes destroy your collection of antique furniture<br />\nA home fire destroys your collection of autographed sports memorabilia<br />\nYou lose your collection of fine art in a burglary</p>\n<p>These are examples of worst-case scenarios that could cause your prized possessions to be destroyed. Because these items have high dollar values and mean so much to you and your family, protecting your investment in antiques and collectibles with specific insurance can provide peace of mind.</p>\n<p>Does Homeowners Insurance Cover Antiques and Collectibles?<br />\nA common misconception is that homeowners insurance provides coverage for all high value items in the home, including antiques, collectibles, and family heirlooms. <br />\nWhile some policies may cover your antiques, the amount of coverage is typically very limited and may not be enough to cover the replacement of your expensive possessions after a loss.<br />\nHomeowners policies typically cover up to a set limit for many specific categories of items. For example, your policy may cover a loss of up to $2,500 for your art, collectibles, and antiques.<br />\nIf you determine that you need additional, specific coverage for antiques and collectibles, there are typically two methods:</p>\n<p>Work with your agent to add an “endorsement” (also called a rider) to your existing homeowners insurance policy for any items of value that otherwise won&#8217;t be covered for their full value by your home policy.<br />\nBuy a separate &#8220;insurance floater&#8221; for each of your most treasured items or collections.</p>\n<p>Consult with your agent about the best approach for you based on the value of the items you need to cover, and a cost comparison of a rider vs. a separate insurance floater.</p>\n<p>Antiques and Collectibles: Do You Know What You Have?<br />\nSurprisingly, many collectors are unsure how many antiques they have or whether they have great value. In your search for the best antiques and collectibles insurance, you’ll want to identify each item in your collection. Be sure to include any item you would want to replace if it is destroyed or stolen.<br />\nHow much insurance you’ll need depends on the size of your collection and what that collection includes. Many times, getting the appropriate coverage for your antiques and collectibles requires an appraisal of your collection. <br />\nThe appraised value of a collection can sometimes be two to three times more than the fair market value. An appraisal is beneficial to help ensure that you have a written valuation of your collection and documentation in the event that you need to file a claim.<br />\nYou’ll want to carefully compare coverage options in order to select a plan that suits you.</p>\n<p>How Much Are My Antiques and Collectibles Worth?<br />\nIf you’re unsure what your collection is worth, you’re not alone. Many people collect special items for years, never realizing that those items are increasing in value over time. <br />\nIf you take the time to create a list of your antiques and collectibles, your appraiser can more easily determine their worth so you can get the insurance protection you need.<br />\nPossessions have different types of values for different purposes. These include:</p>\n<p>Retail value: The price the item currently sells for in an antique shop.<br />\nWholesale value: The price a dealer pays for the piece, which is often up to 50% less than its retail value.<br />\nFair market value: The selling price agreed upon by the seller and buyer.<br />\nInsurance value: The highest monetary value given to the item if it needs to be replaced.<br />\nTax or estate value: The average price paid for the same, or similar, piece at an auction.<br />\nAuction value: The price the item would cost if neither the seller nor buyer were in a position of forced sale. This is also known as the “open market price.”</p>\n<p>Knowing the value of your collectibles is just as important whether you have plans to sell, or you want to be certain it is properly insured.</p>\n<p>Determine the Best Collectible Insurance for You<br />\nThough you likely realize that protecting your antiques and collectibles with insurance is important, you may still feel overwhelmed by the process of finding the right coverage.<br />\nIn the end, collecting several rate quotes is the most important step you can take to make sure you&#8217;re getting the best coverage at a competitive price. It&#8217;s highly recommended that you get at least three rate quotes on similar coverage before you buy. <br />\nFurthermore, it&#8217;s a good idea to check the insurance company&#8217;s financial strength rating through an agency. Best to make sure you&#8217;re working with a reputable company. Insurance is a great tool that can protect your belongings, but just make sure you&#8217;re getting the best coverage for your needs and budget.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2626,967,'_et_pb_truncate_post_date','2021-03-16 03:26:37'),(2627,967,'_et_builder_version','VB|Divi|4.0.9'),(2628,967,'_et_pb_show_page_creation','off'),(2629,971,'_edit_lock','1606522092:1'),(2630,971,'_edit_last','1'),(2631,971,'_et_pb_post_hide_nav','default'),(2632,971,'_et_pb_page_layout','et_right_sidebar'),(2633,971,'_et_pb_side_nav','off'),(2634,971,'_et_pb_use_builder','on'),(2635,971,'_et_pb_built_for_post_type','page'),(2636,971,'_et_pb_ab_subjects',''),(2637,971,'_et_pb_enable_shortcode_tracking',''),(2638,971,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"971\" /]'),(2639,971,'_et_pb_custom_css',''),(2640,971,'_et_pb_gutter_width','3'),(2641,971,'_thumbnail_id',''),(2642,971,'_et_pb_first_image',''),(2643,971,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_3 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_6\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Why 52,000 Bicyclists Need Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_7\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Many people use bicycles as their preferred means of transport. Some ride bikes for health and fitness; others want to avoid paying high gas prices. <br />\nStill others ride bikes out of concern for the environment. If you regularly ride, chances are you’ve put a considerable amount of money into your wheels. How do you protect that investment?<br />\nMore people are asking that very question today, and several companies are offering bicycle insurance that mirrors the protection of auto insurance. </p>\n<p>Safety Facts for Bikers<br />\nAs a biker, you need to be safe on the road. Here are some statistics about bikers and safety on US streets:</p>\n<p>In 2018, 857 bicyclists were killed in motor vehicle traffic crashes.<br />\nThis accounted for 2% of all motor vehicle traffic fatalities.<br />\nAn additional 45,000 riders were injured in motor vehicle traffic crashes.</p>\n<p>There are certain risks you face when you share the road with automobiles. Consider your risks as you start to think about purchasing an insurance policy for your bike.</p>\n<p>Does Homeowners Insurance Provide Bicycle Coverage?<br />\nIf you own a home, your homeowners policy provides some bicycle insurance in the form of personal property coverage. A renters insurance policy will do the same. <br />\nBe sure to contact your agent to discuss whether it makes sense for you to add your bicycle as a line item on your homeowners insurance policy, and whether you need an additional rider, or a separate insurance floater, to provide the protection you need.<br />\nYour homeowners policy will cover damage to your bike to some extent, but your bike’s replacement value may be much higher than the amount of coverage provided in a standard policy. <br />\nIn a catastrophic incident, such as a home fire, your losses in terms of personal belongings can quickly exceed the limit of your policy.</p>\n<p>When  to Look for Bicycle Insurance<br />\nPurchasing a bicycle insurance policy may make sense for you under the following circumstances:</p>\n<p>You paid a large chunk of change for your bike. While the average bike costs a few hundred dollars, some enthusiasts don&#8217;t think twice about spending $5,000 to $10,000 for top-of-the line bikes. If you have a very expensive model, you may want to seriously consider buying comprehensive bicycle insurance.<br />\nYou regularly ride off-road and want mountain bike insurance to cover you and your bike for damage and medical costs.<br />\nYou do stunt riding or participate in BMX competitions, and you want bike insurance to cover potential injuries or damage.<br />\nYou want bike insurance for a specialty bike that you had designed, upgraded or modified. If you have a one-of-a-kind bike, you may want to get it appraised by a bicycle expert who can put the estimated value in writing.<br />\nYou don&#8217;t have a homeowners policy or renters insurance that could potentially cover your bike against loss, damage or theft.<br />\nYou don&#8217;t have health insurance to cover your injuries or hospitalization expenses if you are severely injured in a bike crash.</p>\n<p>Some people want coverage year-round, while others are only interested in 6-month bike insurance, because they only ride during the warmer months. <br />\nHowever, be sure to evaluate the possibility of your bicycle being damaged or stolen while in storage before determining that you only need coverage for a portion of the year.</p>\n<p>Considerations When Looking for Bike Insurance Quotes<br />\nThe following are some of the factors to consider when searching for bike insurance quotes.</p>\n<p>Value: The value of the bike is the main determinant when calculating how much coverage you need. In addition to purchase price, be sure to include the value of any additional equipment or features you’ve added on, including tools, speedometers and panniers. Be sure to keep all receipts so you have the proper documentation, if it is ever needed for a claim.<br />\nType of bike: The type of bike also affects the amount of coverage needed and the price of the quote. This factor, as well as how you use the bike, will determine your risks. A stunt bike is considered a bigger risk than a regular bike, and will cost more to insure.<br />\nYour use of the bike: Be sure to tell your agent how and where you ride. A bike used for commuting to work won&#8217;t cost as much to insure as a bike used on mountain trails. Furthermore, if you use your bike daily, you might want to seek higher coverage than if you only use it occasionally.<br />\nDepreciation: The value of any asset depreciates over time. Even if you’ve only just taken your brand-new, $11,000 SL4 Di2 out on the road, its value has already diminished. Normally, insurers pay actual cash value (the cost of a new bicycle minus the depreciation), so it might be worthwhile considering replacement cost coverage for a high-end bike. If you have coverage for the replacement value, you will be able to replace your bicycle with a bike of similar quality after a loss.<br />\nLimits and deductibles: With nearly all insurance plans, paying higher deductibles lowers your premium. However, a high deductible increases your out-of-pocket costs in the event of a loss. Choosing a higher limit means a higher premium, but better coverage if your bicycle is stolen or destroyed.</p>\n<p>How Much Is Bicycle Insurance and How Do You Get It?<br />\nThere are many factors that will affect your bike insurance costs. As a general rule, you can expect to pay $250 to $300 per year.<br />\nThere are a few different ways to get the coverage you need for yourself, your bicycle and the cyclists in your family:</p>\n<p>Add bicycle coverage to your homeowners or renters policy with a separate rider or endorsement that will cover the loss of your bike at replacement cost value.<br />\nGet a separate insurance floater specifically to insure your high-end bicycle.</p>\n<p>&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2644,971,'_et_pb_truncate_post_date','2021-03-16 03:26:37'),(2645,971,'_et_builder_version','VB|Divi|4.0.9'),(2646,971,'_et_pb_show_page_creation','off'),(2647,976,'_edit_lock','1606522549:1'),(2648,976,'_edit_last','1'),(2649,976,'_et_pb_post_hide_nav','default'),(2650,976,'_et_pb_page_layout','et_right_sidebar'),(2651,976,'_et_pb_side_nav','off'),(2652,976,'_et_pb_use_builder','on'),(2653,976,'_et_pb_built_for_post_type','page'),(2654,976,'_et_pb_ab_subjects',''),(2655,976,'_et_pb_enable_shortcode_tracking',''),(2656,976,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"976\" /]'),(2657,976,'_et_pb_custom_css',''),(2658,976,'_et_pb_gutter_width','3'),(2659,976,'_thumbnail_id',''),(2660,976,'_et_pb_first_image',''),(2661,976,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">When You Lose Your Cell Phone, What&#8217;s Your Plan?</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Cell phones have come a long way from being mere calling devices. Today, the wide range of applications for a mobile phone include everything from helping you to navigate around the city to providing appointment reminders and keeping tabs on your teen. If you are like most people, your phone is your constant companion.<br />\nLosing or breaking your phone can really set you back. And having it stolen is even worse. For this reason, cell phone insurance may be a good idea. With this coverage in place, you can get a replacement phone quickly, whatever the cause of the loss. <br />\nCell Phone Loss Statistics<br />\nMany of us have lost or destroyed a cell phone before. Here are some statistics about nationwide incidents of cell phone loss:</p>\n<p>About 60 million mobile phones are lost or damaged each year.<br />\nPhiladelphia, Seattle, Oakland, Long Beach and Newark report the highest instances of cell phone loss.<br />\nPeople in San Francisco and New York lose their phones three times as often as people in Chicago.<br />\nIn 2011, the cumulative value of lost cell phones in America amounted to about $30 billion.</p>\n<p>The loss of your cell is both inconvenient and expensive. If your phone will cost a small fortune to replace, you may want to consider cell phone insurance to protect you from loss, damage or theft.<br />\nWhen Bad Things Happen to Good Cell Phones<br />\nMost cell phones come with warranties from the manufacturer covering all damage from defects or mechanical failure. Manufacturer warranties usually cover defects for one year. <br />\nHowever, a manufacturer’s warranty will not cover a replacement phone if you drop the phone and smash it, if you spill your coffee on it, or if your phone is stolen or lost.<br />\nCell phone insurance reimburses you for accidental damage or theft not covered under the warranty. With mobile phone insurance in place, you can typically get a similar replacement for your damaged or destroyed phone.<br />\nThe deductibles for cell phone insurance are usually around $50-$150. This may seem excessive for a cheaper phone, but when it comes to a a high-end smartphone that costs $500 or more, the deductible is much more affordable to pay for than buying a new phone.<br />\nThe Manufacturer’s Warranty Is Not Mobile Phone Insurance<br />\nUnlike cell phone insurance, the manufacturer’s warranty usually lasts for one year and covers manufacturing defects or mechanical issues. As long as you have taken all possible precautions and used the phone properly, you can get a replacement for a malfunctioning phone with your manufacturer’s warranty.<br />\nHowever, cell phones can be stolen, lost or damaged by accident – which isn’t covered by a manufacturer’s warranty. Mobile phone insurance policies fill in where your warranty ends. If you have a high-end model, coverage for loss and damage especially makes sense.<br />\nDoes Your Homeowners Policy Include Cell Phone Insurance?<br />\nInsurance for mobile phones – when it is included in your homeowners policy – is probably not enough to replace your phone. A typical HO-3 homeowners policy insures all direct physical losses of all personal property listed in Coverage C of the policy document. The only condition is that a covered peril needs to be the cause for the loss.<br />\nTherefore, if you listed your mobile phone in Coverage C and insured it against theft, you would receive coverage for the theft of the mobile phone. <br />\nIf your theft coverage pays for the depreciated value of the phone, you will still pay a considerable amount to buy a brand-new one. You also need to pay a deductible before your coverage kicks in.<br />\nHomeowners seldom conduct a complete assessment of their personal belongings before opting for full replacement value coverage in their homeowners policies. Make sure you understand what personal belongings are covered, and for what amounts. <br />\nAdding your cell phone as a line item to your homeowners policy, or getting a separate rider, will ensure that you’re covered when something dire happens to your phone.<br />\nWhat to Look for in Cell Phone Insurance<br />\nInsurance for mobile phones makes sense under certain circumstances, but you want to be sure you are getting the benefit and value you need. Here are some questions to ask:</p>\n<p>What is the coverage and scope of the cellular phone insurance? Does the policy cover accidental damage, phone theft and loss?<br />\nWhat does the coverage cost? Multiply your monthly premiums by the length of the policy and then add the deductible. For example, if you pay $10 a month for 3 years, then $10&#215;36 = $360 + deductible of $50 = $410. If the price of a new cell phone is less than the amount you would be paying, you may decide that buying a new phone would be a more cost-effective option.<br />\nHow will the cell phone will be replaced in the event of a loss? Will you get a similar model or a better one? Will the replacement be a new phone or a refurbished one?</p>\n<p>Considerations When Evaluating Cell Phone Insurance<br />\nOnly you know whether cell phone insurance makes the most sense for you. When deciding whether to buy coverage, consider the value of the cell phone and your usage. <br />\nIf you are a person who uses your phone for everything from staying in touch with your kids to managing your email, consider whether you can afford to be without it. Are you a very careful person, or do you tend to drop your phone?<br />\nBe sure to evaluate the cell phone coverage carefully and ask such questions as:</p>\n<p>What will it cost to replace your phone out of pocket?<br />\nIf you are considering insurance, how much is the deductible?<br />\nWill the insurance cover the cost of calls a thief made after stealing your phone?</p>\n<p>Your insurance coverage should fit your needs and give you peace of mind. When you research your options, take the time to get a few quotes before you buy, so you can feel confident that your coverage has a high value and can protect your investment adequately.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2662,976,'_et_pb_truncate_post_date','2021-03-16 03:26:37'),(2663,976,'_et_builder_version','VB|Divi|4.0.9'),(2664,976,'_et_pb_show_page_creation','off'),(2665,980,'_edit_lock','1606523310:1'),(2666,980,'_edit_last','1'),(2667,980,'_et_pb_post_hide_nav','default'),(2668,980,'_et_pb_page_layout','et_right_sidebar'),(2669,980,'_et_pb_side_nav','off'),(2670,980,'_et_pb_use_builder','on'),(2671,980,'_et_pb_built_for_post_type','page'),(2672,980,'_et_pb_ab_subjects',''),(2673,980,'_et_pb_enable_shortcode_tracking',''),(2674,980,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"980\" /]'),(2675,980,'_et_pb_custom_css',''),(2676,980,'_et_pb_gutter_width','3'),(2677,980,'_thumbnail_id',''),(2678,980,'_et_pb_first_image',''),(2679,980,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">What I Learned after Crashing My Drone</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Drones are among the most coveted items for aviation enthusiasts, and probably most kids in the neighborhood, too. These high-tech toys were previously off-limits for anyone but the military or law enforcement, but recreational and hobby usage of drones has skyrocketed in recent years.</p>\n<p>When my son asked for a drone for his birthday, I thought it would be a great way to get him to spend time outside. Kids and teens are so technically savvy these days, what could go wrong? As I soon found out: just about everything.<br />\nWithin minutes of reading the instructions for his new drone, my son headed outside for his first flight. A few seconds after he managed a shaky takeoff, the drone was caught up by the wind and completely out of his control. Before we knew it, the drone was out of sight, and we had no idea how to bring it down.<br />\nWe took off on foot to see if it had come down. It had—smashed to pieces on top of a car a few blocks away. The drone was destroyed. The car was pretty banged up, too. Now what?<br />\nWhat I Did after The Crash<br />\nLike many recreational drone users, I had no idea what I was getting into. I didn’t know how difficult these “toys” could be to operate. I didn’t know how common “flyaways” were (check YouTube if you don’t believe me). And I certainly didn’t think about being on the hook for thousands of dollars (or more) if my out-of-control drone crashed.<br />\nMy son and I found the owner of the damaged car and made our apologies, along with a promise to pay for the damage. The car’s owner suggested I file an insurance claim, but did I even have coverage for this type of thing? Truthfully, I hadn’t thought much about recreational drone insurance, but now I was hoping that I had some type coverage for the damage we caused to the car—not to mention the destroyed drone.<br />\nI talked with my insurance company and luckily I was able to file a claim. In the end, I learned a lot about the importance of talking to my insurance agent before I purchase an item like a drone. And I learned that drones can cause a lot of damage—and can even injure people. Taking my son’s drone lightly was a huge mistake.<br />\nCheck Your Coverage Before You Buy A Drone<br />\nI quickly found out that while I had some coverage for the drone crash, I was going to have to pay out-of-pocket too. My insurance company covered the damage to my neighbor’s car (thank goodness), but it did not pay for repair or replacement of the drone.<br />\nHere’s how it works. Most homeowners insurance policies, like mine, will pay your claim if you or a member of your family harms someone else or their property with a drone. This type of incident falls under the liability portion of a homeowners or renters insurance policy for the following types of claims:</p>\n<p>Property damage: If you damage someone else’s property (e.g., my neighbor’s car) with your drone, your insurance policy likely will pay for the damage. In my case, my homeowners policy covered the damage to the car.<br />\nBodily injury: If you injure someone with your drone (e.g., my son crashes his drone into a person instead of a car), your insurance policy likely will pay for their medical expenses. My homeowners insurance would have covered injuries to others, too.</p>\n<p>But you still need to check with your specific policy. Many home insurance policies specifically exclude coverage for aircraft, but radio-controlled model aircraft usually are covered. How your home or renters policy defines “aircraft” and whether that definition applies to your drone will determine whether  you have liability coverage for drone-related incidents. This is very important to find out before you fly your drone. If my insurance company had defined my drone as an excluded aircraft, my claim would not have been paid.<br />\nRemember, my homeowners insurance did not pay for damage to my own drone. But if the drone had been damaged by a fire or stolen while it was in my garage, it would have been covered under the contents portion of my homeowners insurance policy. Under those circumstances, my drone would be no different than any other item in my home or garage. This is because homeowners policies typically offer coverage for items that are damaged or destroyed by certain types of “covered perils”—or causes of loss. These are typically events like storms, wind, hail, fire, theft, and vandalism. You will not find “drone crash” on the list of covered losses for your personal property.<br />\nKeep in mind that personal property coverage is subject to your deductible, and that your homeowners policy, like mine, may include a dollar limit. If your drone is worth more than the policy’s basic dollar limit, talk with your agent about purchasing additional personal property coverage for your drone.<br />\nCould It Get Worse? You Could Be Sued for Invasion of Privacy.<br />\nIf you think crashing your drone is a problem, consider this. Invasion of privacy is a serious concern for recreational drone users. Drones with onboard cameras or other data collection capabilities can inadvertently “spy” on other people when taking pictures or video.<br />\nIf my son’s drone captures photos of our neighbor sunbathing in the yard, she might be inclined to sue him (me) for invasion of privacy. I could be forced to pay her for damages. And the legal costs associated with any lawsuit can be devastating.<br />\nCould I file an insurance claim in this case? Yes. The personal injury liability portion of my homeowners insurance policy provides coverage (up to the policy limits) for invasion of privacy claims. I also have a personal umbrella policy, which would also provide coverage for an invasion of privacy claim if the damages exceeded the liability coverage limit of my homeowners policy.<br />\nKeep in mind that insurance policies exclude coverage for intentional acts. If my son purposely posted the aerial photos of our neighbor on social media, I suspect my insurance company would tell me to go fly a kite.<br />\nMeanwhile, many people are rightly concerned about drones and privacy. If you or anyone in your family plans to fly a recreational drone, be aware of the privacy concerns and steer clear of any activities that could put you at risk for this kind of lawsuit.<br />\nShould I Purchase Additional Recreational Drone Insurance?<br />\nHomeowners or renters insurance is probably sufficient for most recreational drone users. But if you plan to fly your drone often, or you frequently fly in an area where there is a higher probably of causing injury or property damage, you may want to consider additional coverage.<br />\nYou can purchase a drone insurance policy that goes above and beyond what is in your home or renters policy, including medical and accidental death coverage for your own injuries (not covered under home insurance), as well as additional liability coverage. This coverage would kick in after any other coverage you have has been exhausted.<br />\nIf you fly a drone for business purposes, your homeowners or renters policy does not apply. Commercial drone operators need special commercial drone insurance.<br />\nDrone Regulations and Safety Tips<br />\nSince my son’s hasty, unprepared, and totally ignorant first drone flight, we have both learned a lot. We won’t be flying again until we: a) save up to purchase a new drone, and b) have reviewed and complied with all regulatory and safety guidelines, including:</p>\n<p>Recreational drones that weigh more than 0.55 pounds must be registered with the FAA for a $5 fee. Keep your registration certificate in your possession at all times when operating your drone. Your registration must be renewed every three years.<br />\nDon’t fly your recreational drone above 400 feet, and keep it within your line of sight at all times.<br />\nDon’t fly within five miles of an airport unless you contact the airport and control tower first. Steer clear of other restricted areas (e.g., the White House, military installations).<br />\nLet your neighbors know about your drone to avoid causing any alarm.<br />\nAvoid flying near people, crowds, or stadiums.<br />\nUnmanned aircraft that weigh over 55 pounds require special registration and permission.</p>\n<p>How to Insure Your Recreational Drone<br />\nHobby drone insurance is new and evolving. While you may be able to get all the coverage you need with your home or renters insurance policy, don’t rely on assumptions. </p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2680,980,'_et_pb_truncate_post_date','2021-03-16 03:26:37'),(2681,980,'_et_builder_version','VB|Divi|4.0.9'),(2682,980,'_et_pb_show_page_creation','off'),(2683,989,'_edit_lock','1606523771:1'),(2684,989,'_edit_last','1'),(2685,989,'_et_pb_post_hide_nav','default'),(2686,989,'_et_pb_page_layout','et_right_sidebar'),(2687,989,'_et_pb_side_nav','off'),(2688,989,'_et_pb_use_builder','on'),(2690,989,'_et_pb_ab_subjects',''),(2691,989,'_et_pb_enable_shortcode_tracking',''),(2692,989,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"989\" /]'),(2693,989,'_et_pb_custom_css',''),(2694,989,'_et_pb_gutter_width','3'),(2695,989,'_thumbnail_id',''),(2696,989,'_et_pb_first_image',''),(2697,989,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Fine Art Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>It can sound so senseless when art theft makes the news. Beautiful works of art done by famous artists that bring joy to audiences disappearing into oblivion? Unthinkable. Most of the time, thieves steal art for ransom or resale, which can be a very profitable enterprise. <br />\nMost of the time, fine art pieces are lightweight and easy to move, making this a relatively low-risk undertaking for some thieves. Art loss isn&#8217;t just something that plagues museums. Private estates can be targeted as well, especially since they don&#8217;t usually have the security measures that galleries do.<br />\nFine art collectors sometimes know the value of their collections, but more often they don’t. What&#8217;s more, the value of a collection can increase with time. Whether your collection was passed down to you or you personally sought out each piece, your fine art has value and should be protected.</p>\n<p>The Reason Fine Art Insurance Is Important<br />\nAlthough it’s unpleasant to imagine worst-case scenarios, considering what might happen is often a necessary part of evaluating your insurance needs. <br />\nThe good news is that fine art insurance coverage can help protect your artwork collection. Many fine art owners like you rely on insurance for artwork to cover theft or unexpected damage to their collections.<br />\nIn addition to theft, fine art home insurance policies may cover fire, accidental breakage and loss from severe weather. Be sure to read your policy carefully, as you may need a separate flood insurance policy to be protected in the event of flooding. <br />\nFine art policies can also include transportation coverage. This can be especially beneficial because a significant 5% to 10% of art collection claims are a result of damage or loss to the pieces during transit.</p>\n<p>Does Homeowners Insurance Cover Fine Art?<br />\nIf you’re assuming that your homeowners insurance will cover your fine art, you may be disappointed. Most standard homeowners policies have a cap, per insurance category, on the amount of personal property coverage provided. <br />\nTypically, this restricted amount is not nearly enough to cover a fine art collection or set of collectibles.<br />\nThe coverage in your homeowners policy will probably not be adequate if you have high-value artwork. In addition, general homeowners insurance policies may have more exclusions, further limiting when and how a potential claim is paid out.<br />\nAdditional fine art insurance is often a better option for many fine art collectors or owners. You can opt to insure items individually on floater policies or purchase broader valuable item insurance. <br />\nHave your art regularly appraised and keep an updated inventory of items. Both of these steps can help you determine which insurance coverage might be best for you.</p>\n<p>Finding the Right Fine Art Insurance<br />\nAppraising your artwork is an important first step toward protecting your collection. The next step is to meet with a knowledgeable agent who knows how to find the right coverage and insurance company to protect your investments. Your collection is unique, so your insurance coverage should be tailor-made for you.<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2698,989,'_et_pb_truncate_post_date','2021-03-16 03:26:37'),(2699,989,'_et_builder_version','VB|Divi|4.0.9'),(2700,989,'_et_pb_show_page_creation','off'),(2701,996,'_edit_lock','1606524349:1'),(2702,996,'_et_pb_use_builder','on'),(2703,996,'_edit_last','1'),(2704,996,'_et_pb_post_hide_nav','default'),(2705,996,'_et_pb_page_layout','et_right_sidebar'),(2706,996,'_et_pb_side_nav','off'),(2707,996,'_et_pb_built_for_post_type','page'),(2708,996,'_et_pb_ab_subjects',''),(2709,996,'_et_pb_enable_shortcode_tracking',''),(2710,996,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"996\" /]'),(2711,996,'_et_pb_custom_css',''),(2712,996,'_et_pb_gutter_width','3'),(2713,996,'_thumbnail_id',''),(2714,996,'_et_pb_first_image',''),(2715,996,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_4 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_8\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_8  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Finding the Best Jewelry Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_9\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_9  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_9  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p> <br />\nGot a jewelry box that could make a treasure chest blush? Or maybe you found the Heart of the Ocean necklace from Titanic. No matter what kind of jewelry you’re holding onto, it deserves to be protected, doesn’t it?<br />\nBut maybe you think it costs too much to insure—it really doesn’t. Or maybe you don’t think it’s worth the hassle—it is, and it’s actually pretty simple.</p>\n<p>What Is Jewelry Insurance?<br />\nSimply put, jewelry insurance is a policy designed to cover your jewelry (any kind you specify – from rings to Rolexes, it&#8217;s all good). <br />\nIn exchange for the premiums you pay, your insurance carrier will reimburse your financial losses – or even replace the item – in the event of theft, mysterious disappearance, or damage up to its specified value.</p>\n<p>Is My Jewelry Covered under Homeowners Insurance?<br />\nYes, but coverage under your homeowners policy is limited to only a small number of causes, like theft, and has a cap of $1,500. <br />\nIf you want to make sure you’re covered for the full value (should a super-expensive bauble get stolen, for example), you’ll need an additional policy or endorsement.<br />\n <br />\nA more comprehensive coverage option is to schedule personal property coverage. This covers a greater number of risks and will generally cover the full value of higher-priced items that exceed the regular policy&#8217;s limit. <br />\nThe scheduling process involves listing each specific item to be covered and its value – determined by an appraisal.</p>\n<p>What Exactly Does Jewelry Insurance Cover?<br />\nMost everyone&#8217;s main concern, when it comes to jewelry, is potential theft &#8211; but they&#8217;re also worried about losing it. Luckily, jewelry insurance covers the following, for all types of jewelry:</p>\n<p>How Do I Insure My Jewelry?<br />\nFirst, you&#8217;ll want to contact an insurance agent. They’ll run you through all the ins and outs of the entire ordeal, including:</p>\n<p>Know what jewelry you want covered. Then call up your agent and let ‘em know — they’ll help you get things rollin&#8217;. <br />\nSchedule an appraisal. Every local jeweler probably has expertise in appraisals – your agent might even be able to get you hooked up with one. Your insurance company will need to know the exact value of your jewels (based on quality/cut/etc.). This process (usually) isn&#8217;t free, but it&#8217;s a small price to pay to get to the protection your shiny things need.<br />\nFill out the important paperwork. Submit the official, verifiable documents from the appraisal to your insurance company.<br />\nHit &#8220;redial&#8221; and chat with your agent again. They&#8217;ll be able to help you take it from here. </p>\n<p>How Much Does Jewelry Insurance Cost?<br />\nIt depends on the coverage you want, your bling’s total value and location, and a few other factors. </p>\n<p>&#8220;Increasing the theft limit on your homeowners insurance from $1,500 to $10,000, for example, would only add about $25 to your premium.&#8221;<br />\nPaul Martin<br />\nThe cost to insure a single piece of jewelry will be around $1-$2 for every $100 in replacement cost. If the jewelry in question would cost around $10,000, then the premium would be around $150, on average. <br />\nIf you&#8217;ve got lots of big items scheduled, though, the cost can add up to thousands or even millions per year, if you&#8217;re some kind of Hollywood A-Lister. </p>\n<p>Is Jewelry Insurance Worth the Cost?<br />\nIf all your jewels and jinglies have a value of over $1,500 and you tend to drop, lose or misplace items on a regular basis, then yes, it’s completely worth it. <br />\nAlso, Martin points out that a lot of jewelry has sentimental value. So, protection could be worth it based on the fact that the item(s) have meaning for you, alone.<br />\nIf you’re still weighing your decision, it’s best to just ask yourself, &#8220;How easily can I afford to replace an item or all the items if something happens to them?&#8221; If the answer is “Not easily,” get the insurance.<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2716,996,'_et_pb_truncate_post_date','2021-03-16 03:26:07'),(2717,996,'_et_builder_version','VB|Divi|4.0.9'),(2718,996,'_et_pb_show_page_creation','off'),(2719,1005,'_edit_lock','1606524911:1'),(2720,1005,'_edit_last','1'),(2721,1005,'_et_pb_post_hide_nav','default'),(2722,1005,'_et_pb_page_layout','et_right_sidebar'),(2723,1005,'_et_pb_side_nav','off'),(2724,1005,'_et_pb_use_builder','on'),(2725,1005,'_et_pb_built_for_post_type','page'),(2726,1005,'_et_pb_ab_subjects',''),(2727,1005,'_et_pb_enable_shortcode_tracking',''),(2728,1005,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1005\" /]'),(2729,1005,'_et_pb_custom_css',''),(2730,1005,'_et_pb_gutter_width','3'),(2731,1005,'_thumbnail_id',''),(2732,1005,'_et_pb_first_image',''),(2733,1005,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_3 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_6\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Home Insurance Claims FAQ</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_7\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Handling a homeowners insurance claim is a lot like handling a toddler. If you do it right, things can go pretty well. But do it wrong, and you’ll be dealing with major tantrums for years to come.<br />\nWhen Should I File a Home Insurance Claim?<br />\nIf the damage/theft/incident was significant, you should file a claim right away. But if your old 10-speed bike (with only 3 remaining working speeds) was stolen, you may not want to file a claim. The value on your bike is probably insignificant compared to the risk of having your premiums go up. <br />\nSo after any incident, try to weigh the possible premium increases against the possible out-of-pocket replacement costs to make a call about whether it’s worth the claim.<br />\nHow Do I File a Home Insurance Claim?<br />\nIf your home or property has sustained any kind of damage or loss, make sure you take photos of the damage with crime-show-detective-like detail. <br />\nThen, contact your home insurance company as soon as possible—whether that’s by phone or online. If you somehow don’t have access to your policy’s number or details, you can call your insurance agent for help.<br />\nHow Do I Know If the Damage Is Covered?<br />\nFirst, check your policy documents. If you’re still unsure, you can go ahead and begin the claims process anyway. For example, flood damage is not covered by home insurance, but if your basement sustains significant water damage, it is not necessarily due to a flood and may be covered. <br />\nCase in point, if your hot-water heater leaks and damages your floors and walls or if a sump pump fails and your policy includes backup of sewage and drains coverage, you may be able to receive compensation. If your damages are not covered, your insurance company will let you know–you can’t lose just for asking.<br />\nHow Does the Deductible Work?<br />\nEvery home insurance policy has a deductible. Some deductibles are a dollar amount (typically $500 or $1,000), while others are percentage-based according to the value of your home (i.e., a home that is valued at $200,000 with a 1% percentage-based deductible would have a deductible of $2,000). <br />\nThe deductible is the amount you have to pay out of pocket for damage repairs. Therefore, if you have a $500 deductible and your house sustains $10,000 worth of damage, your insurance company will reimburse you $9,500—simple as that.<br />\nWhat If My Home Is Burglarized?<br />\nYour first step is to ensure that you and your family are safe, and then call the police. When the police arrive, they will complete a report with all the important info regarding your situation. This report is necessary when you file your claim and will help expedite the whole process.<br />\nMake sure you also create a detailed list of your lost or damaged items, including their estimated values, and have that ready when you contact your insurance company. <br />\nIf My Home Was Damaged, Can I Start Repairs Right Away?<br />\nIf a natural disaster has caused significant damage to your home, you may be tempted to begin repairs right away. We get it, you just want your life back to normal. But doing so can mask a lot of the damage and will make it hard for an adjuster to make a fair estimate of the repair costs. <br />\nTemporary fixes that could help prevent any further damage are a good idea, but it’s best to wait until after the insurance adjuster has taken a good solid look at your property to make permanent repairs.<br />\n <br />\nDoes My Home Insurance Cover Temporary Living Expenses?<br />\nIf your home is uninhabitable due to damage caused by a covered event, the additional living expense (ALE) portion of your home insurance will reimburse you. <br />\nYour policy will have a cap on how much ALE coverage it will provide, so it is best to handle your temporary arrangements as frugally as possible (think motel, not 5-star resort).<br />\nThis coverage can include expenses such as:</p>\n<p>Rent for your temporary housing<br />\nBoarding for your pets<br />\nGas and mileage if you have to drive further to get to work or school<br />\nDining at restaurants</p>\n<p>It’s always best to verify with your insurance company exactly what is included in your ALE coverage before you go and rack up a big hotel or restaurant tab.<br />\nWhen Will an Adjuster Come to My Home?<br />\nThis depends on a few factors, like the insurance company, the location of your home, and the extent of the damage. If a wildfire or hurricane causes wide-spread damage in your area, it may take a while for an adjuster to make it to your home. <br />\nIf it is an isolated event, like an oopsie in the kitchen that led to a fire, your adjuster may arrive very quickly.<br />\nHow Do I Know the Claims Adjuster Isn’t Ripping Me Off?<br />\nFor contents claims, you can do a bit of homework in advance by looking up the replacement costs of your lost or destroyed property. If your policy includes replacement cost coverage, the amounts you give may be accepted by your insurer. <br />\nHowever, if you have an actual-value coverage policy, your adjuster will estimate a depreciated value of your property.<br />\nFor property damage to your home, it’s a good idea to get a couple of repair estimates before your adjuster arrives. If possible, you may want to have a trustworthy contractor at your home at the same time—in case the adjuster’s estimates are wildly different from the amount you were quoted. <br />\nThe contractor and adjuster can often work together to come to an agreement. Then everyone’s happy.<br />\nWhat If I Don&#8217;t Agree My Insurer’s Compensation?<br />\nIf you feel that the reimbursement your adjuster offered is way off, you can try contacting someone higher up in the insurance company to plead your case. <br />\nIf that fails, you can appeal their decision through mediation, which is way more informal than going to court. <br />\nNOTE: You may want to get help from an expert before going into mediation to increase your chances of a positive outcome.<br />\nHow Long Will It Take to Get My Money?<br />\nThis depends on your insurance company and the damage we’re talking about. In some cases, the insurance adjuster can cut you a check on the spot after assessing the damage. Other times, it may not be as easy, with a lot of back and forth and delay on your reimbursement. </p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2734,1005,'_et_pb_truncate_post_date','2021-03-16 03:26:07'),(2735,1005,'_et_builder_version','VB|Divi|4.0.9'),(2736,1005,'_et_pb_show_page_creation','off'),(2737,1010,'_edit_lock','1606774764:1'),(2738,1010,'_edit_last','1'),(2739,1010,'_et_pb_post_hide_nav','default'),(2740,1010,'_et_pb_page_layout','et_right_sidebar'),(2741,1010,'_et_pb_side_nav','off'),(2742,1010,'_et_pb_use_builder','on'),(2743,1010,'_et_pb_built_for_post_type','page'),(2744,1010,'_et_pb_ab_subjects',''),(2745,1010,'_et_pb_enable_shortcode_tracking',''),(2746,1010,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1010\" /]'),(2747,1010,'_et_pb_custom_css',''),(2748,1010,'_et_pb_gutter_width','3'),(2749,1010,'_thumbnail_id',''),(2750,1010,'_et_pb_first_image',''),(2751,1010,'_et_pb_truncate_post',''),(2752,1010,'_et_pb_truncate_post_date',''),(2753,1010,'_et_builder_version','VB|Divi|4.0.9'),(2754,1010,'_et_pb_show_page_creation','off'),(2755,1014,'_edit_lock','1606775299:1'),(2756,1014,'_edit_last','1'),(2757,1014,'_et_pb_post_hide_nav','default'),(2758,1014,'_et_pb_page_layout','et_right_sidebar'),(2759,1014,'_et_pb_side_nav','off'),(2760,1014,'_et_pb_use_builder','on'),(2761,1014,'_et_pb_built_for_post_type','page'),(2762,1014,'_et_pb_ab_subjects',''),(2763,1014,'_et_pb_enable_shortcode_tracking',''),(2764,1014,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1014\" /]'),(2765,1014,'_et_pb_custom_css',''),(2766,1014,'_et_pb_gutter_width','3'),(2767,1014,'_thumbnail_id',''),(2768,1014,'_et_pb_first_image',''),(2769,1014,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">What&#8217;s Depreciation Got to Do with Homeowners Insurance?</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Depreciation may seem like an intimidating idea but it’s really just a basic part of everyday life. In fact, you may already know that your four-bedroom, two-bath, brick abode and the majority of its contents (like furniture, TV, and dishwasher) could lose value over time because of things like age and use. <br />\nThis loss in property value is commonly referred to as depreciation. <br />\nHome depreciation is also an important concept within the insurance world. That’s because it directly influences the claim amount paid by the carrier. Remember, depreciation doesn’t just apply to your home but anything with value like cars or boats. <br />\n <br />\nHow Do Insurance Companies Calculate Depreciation? <br />\nCalculating depreciation all starts with the property’s Replacement Cost Value (RCV) and its estimated life expectancy. The RCV is the current price of repairing or replacing an item with an equal item. As you probably know, life expectancy is the average amount of time the property can be used. <br />\nFor example, let’s say your new kitchen appliances are destroyed in a small grease fire. You bought the refrigerator, oven, and dishwasher brand new three years ago. All the appliances were working well at the time and in normal condition for their age. <br />\nThe same kitchen equipment is currently sold in several retail stores for about $3,200 (RCV) new. These three appliances have a life expectancy of 10 years which means they lose 10% of their value each passing year.  <br />\nIn your case, the appliances lost 30% or $960 in value (10% annual depreciation x 3 years of use) at the time of the grease fire. <br />\nThe example we just gave you is specific to property within your home. Now let’s talk about the structural elements of your home. Parts of your dwelling like the gutters and furnace are also subject to depreciation. <br />\nFor example, asphalt roof shingles normally last around 20 years and typically depreciate 5% per year.  Let’s say your roof is 15 years old at the time of a wind/hail storm. This means the insurance company will subtract 75% of the value (15 years x 5% depreciation per year) of a brand new replacement roof. <br />\n <br />\nHow Will Depreciation Determine My Claim Payout? <br />\nThe first thing that will determine your claim payout is the terms of your policy. Some homeowners coverage is based on an Actual Cash Value (ACV) claims reimbursement schedule. Other homeowners plans are based on a Replacement Cost Value (RCV) schedule. We’re going to review the difference with you. <br />\nOf course, depreciation is the second thing that will influence the claims settlement amount you actually receive. Now you may be wondering how ACV, RCV, and depreciation all come together in the claims process? What types of calculations are the insurance companies doing before they mail you a claims check? <br />\n <br />\nActual Cash Value Example<br />\nLet’s assume you have ACV coverage for your residence and personal property kept within the home. <br />\nThis means the insurance carrier will first determine the Replacement Cost of the item (in other words, how much money it would take to replace the damaged/lost item), then subtract the depreciation amount from the Replacement Cost. The difference between the two amounts is the ACV. <br />\nUsing the above kitchen appliance scenario, here’s how home insurers calculate RCV if the appliances were destroyed after seven years: </p>\n<p>You see here that the insurance company would reimburse you $960 for your destroyed dishwasher, oven, and fridge. That’s because an ACV policy doesn’t promise to give you all the money needed to buy brand new replacements. <br />\nInstead, an ACV policy is promising to pay you the depreciated amount of your property. Or, in other words, an ACV policy is insuring your home and property according to what the value is at the time of the loss, not the value at the time you first purchased the house or its contents. <br />\nNow if you have a Replacement Cost policy, you should expect to get the full $3,200 for shiny new kitchen gadgets. This means less money out of your own pocket to put your kitchen back together again. It also means quite a bit more in home insurance premiums too.<br />\nIf you aren’t sure which policy you currently have then we suggest you pull out the policy booklet and take a look. Or give your local, independent insurance agent a call for help understanding if you have an ACV or RCV home insurance policy. <br />\n <br />\nWhat’s a Recoverable Depreciation Clause? <br />\nSometimes you’ll come across a homeowners policy that includes a recoverable depreciation clause. We imagine you are scratching your head right now and saying, “What the heck does that even mean.&#8221; Yep, we thought so. <br />\nA recoverable depreciation clause permits policyholders to claim the depreciation of their asset along with the Actual Cash Value. In our kitchen example, you could claim the $2,240 depreciation of the appliances. Of course, anything that sounds that good usually has a catch. This is no different. <br />\nInsurance policies that include this clause will expect you to repair or replace covered items within a certain time frame. If you didn’t make a needed repair or complete a certain replacement prior to the date of loss, then your recoverable depreciation could be voided. <br />\n(You’ll also need to keep very good records to prove that you did follow the rules and regulations of the clause.) <br />\nRecoverable depreciation is a feature that is sometimes not worth it when you factor in the deductible. Think about this: your home policy has a $2,000 deductible. Your kitchen claim will get you $960 ACV payout. <br />\nPlus, under your special clause, you can also expect to receive the $2,240 depreciation amount. All of this is payable to you after your $2,000 deductible is met. So you’ll end up with a net positive of $1,200 to replace your appliances. Not bad, but not enough to get brand new appliances free and clear. <br />\n <br />\nWant to Know Three Home Depreciation Tips? <br />\nThere’s still more to know about depreciation. Take a peek at our three top home depreciation tips below. </p>\n<p>Items max out at 90% depreciation and won’t be depreciated beyond that percentage.<br />\nQuality, workmanship, frequency of use, storage, and upkeep are all factors in determining the lifespan (and ultimately depreciation) of an item. For home materials, more specific things like quality of installation, design, and environmental conditions will also make a difference. <br />\nSpecialty items like collectibles, fine jewelry, antiques, firearms, and art can actually appreciate, or increase value, over time. That’s why your independent insurance agent will probably recommend purchasing additional coverage for these types of unique valuables. </p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2770,1014,'_et_pb_truncate_post_date','2021-03-16 03:26:07'),(2771,1014,'_et_builder_version','VB|Divi|4.0.9'),(2772,1014,'_et_pb_show_page_creation','off'),(2773,1019,'_edit_lock','1606775737:1'),(2774,1019,'_edit_last','1'),(2775,1019,'_et_pb_post_hide_nav','default'),(2776,1019,'_et_pb_page_layout','et_right_sidebar'),(2777,1019,'_et_pb_side_nav','off'),(2778,1019,'_et_pb_use_builder','on'),(2779,1019,'_et_pb_built_for_post_type','page'),(2780,1019,'_et_pb_ab_subjects',''),(2781,1019,'_et_pb_enable_shortcode_tracking',''),(2782,1019,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1019\" /]'),(2783,1019,'_et_pb_custom_css',''),(2784,1019,'_et_pb_gutter_width','3'),(2785,1019,'_thumbnail_id',''),(2786,1019,'_et_pb_first_image',''),(2787,1019,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Your Guide to Insuring a Cabin</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Got a cabin? If you’re lucky enough to own a vacation property, seasonal home by the lake, or the annual destination for hunting season, you know how great it is to get away from it all. Better yet, it is a sound investment that can help you kick back in your retirement.<br />\nHowever, you can’t leave all your worries behind when it comes to protecting your cabin. What could ruin your cabin’s future?</p>\n<p>Damage from fire <br />\nNatural disasters<br />\nInjuries on your property <br />\nCrime</p>\n<p>The solution? Protecting your investment with seasonal home insurance.</p>\n<p>Let’s take a look at everything you need to know about cabin insurance, including: </p>\n<p>What is cabin insurance?<br />\nWhy do you need cabin insurance?<br />\nWho needs cabin insurance? <br />\nWhat is the cost of cabin insurance?<br />\nCommon questions about cabin insurance</p>\n<p>What is Cabin Insurance?<br />\nCabin insurance, typically known as seasonal home insurance, protects your vacation home and your possessions in it against a wide variety of dangers:</p>\n<p>Fire damage<br />\nStorm damage (i.e., hail, wind, snow, rain, lightning, etc.)<br />\nTheft/burglary<br />\nVandalism<br />\nArson<br />\nLiability coverage for injuries to other parties on your property</p>\n<p>One particular distinction to make about cabin insurance is that it is separate from your primary homeowners insurance policy. </p>\n<p>Why Do You Need Cabin Insurance?<br />\nIf you’re reading this article, chances are you that you’re in need of a cabin insurance policy. No two cabins or seasonal homes are alike, which presents unique challenges. <br />\nSome cabins can be a simple no-frills structure designed for rustic living in isolated areas, while others can be sprawling, multi-level buildings that are more extravagant than many primary residences. <br />\nAdding to this, most people don’t live permanently in their vacation homes. Therefore, having cabin insurance protects it as a second residence, future investment, and as a source of revenue from renters.<br />\nFor those who own a cabin, a lake home, or other seasonal residence, you will need to speak with an experienced insurance agent who can assess how much coverage you need. <br />\nThere are many variables to consider — even if the small cabin is located on bare hunting land — so an expert insurance agent can ask you the right questions to determine which risk factors need to be addressed and protected. </p>\n<p>Who Needs Cabin Insurance?<br />\nThe short answer to Who needs cabin insurance? is anyone who has one. If you’re still on the fence (pun intended), let’s look at a number of aspects related to how much insurance coverage you should consider for your cabin:</p>\n<p>Got deer? What about bear and moose? Hunting cabin insurance can be useful for damage from wild animals or unfortunate accidents with firearms. During hunting season, cabin insurance can help you concentrate on bagging that buck!<br />\nIf you only visit the cabin on a seasonal basis each year, you may need seasonal cabin insurance to keep it safe from harm during the times it is vacant.<br />\nCabins that are located in areas that could potentially experience a devastating wildfire, or severe weather like flooding and winter storms definitely need a form of insurance to protect your investment and recoup value lost.<br />\nSome cabins are governed by HOAs, which may require your secondary residence to be adequately insured to protect the value of related properties. <br />\nFor entrepreneurial-minded cabin owners, renting out the cabin on Airbnb or through private clients is risky without cabin rental insurance.<br />\nFamily cabins passed through the generations are perfect candidates for coverage such as log cabin home insurance. If you keep a large amount of valuables and possessions at your family cabin, insurance is a must to replace these items if they’re stolen or damaged.<br />\nLove adventure? If your cabin has ATVs, boats, or other recreational vehicles, then you may want to consider such coverage as cabin cruiser boat insurance.</p>\n<p>Do any of these situations apply to you? Chances are that they do. </p>\n<p>What is the Cost of Cabin Insurance?</p>\n<p>As you can imagine, the cost of cabin insurance is highly variable. In most cases, seasonal home insurance might cost more than insurance for your primary residence. <br />\nThis is due to how often the property is left vacant or its location. Let’s look at some factors that directly affect cost:</p>\n<p>Remote areas, for example, may be targeted by criminals or experience natural disasters that you won’t discover until you visit the property in the future. Highly trafficked areas also create possibilities for criminals to steal your belongings or vandalize your home. <br />\nLiability is a huge issue when it comes to determining how much you will pay for cabin insurance. Liability coverage can help with medical bills and time off work if you are held legally responsible for an injury on the cabin’s property. If you have a large number of visitors to the cabin, especially renters, you will need to insure your home as well as purchase additional coverage. An injury from a malfunctioning fireplace, for instance, can cause a deep financial burden on your property and other assets. You may need to have landlord insurance for renters as well as separate liability coverage for those who might wander on your property. <br />\nSimilarly, having boats, ATVs and other types of recreational equipment can make lakeside cabin owners especially susceptible to liability for injuries that occur on the property. Most seasonal homeowners policies will cover the physical dwelling and other structures of the property such as boat houses, docks, sheds, and so forth. <br />\nConsidering the high potential for injuries when recreational equipment is involved, the liability coverage limit on your primary homeowners policy may not be sufficient. Recreational equipment is rarely covered automatically under your cabin’s insurance policy. Instead, these items are insured separately either as a rider on your cabin’s policy or on a specialty policy. Therefore, you may want to purchase umbrella insurance to step up your liability coverage. As you may know, umbrella insurance policies kick in when the limit of your homeowners liability coverage has been reached.<br />\nDo you have a homeowners policy on your primary residence? If so, determining how much coverage you have for your cabin can get confusing based on whether you have a homeowners policy for your primary residence. In most cases, your primary residence extends some liability coverage to your cabin. But for those who may not have insured their primary residence, the cost of insuring a secondary residence can be expensive — or it may not even be offered by some companies. </p>\n<p>Common Questions about Cabin Insurance<br />\nAs you can guess, cabin insurance encompasses a wide array of situations. <br />\nQuestion #1 &#8211; Do I need to insure the cabin with my primary homeowners policy?<br />\nThe truth is that some companies won’t write a cabin insurance policy if they don&#8217;t insure your primary home first. The reason is that those insurers don’t want the increased risk of a home that is empty more than it is occupied. Consequently, insuring both properties (your home plus the cabin) with the same company is more convenient. <br />\nSimply add the second location onto your current homeowners insurance policy, which eliminates the need for a second policy as well as second bill to deal with.<br />\nHowever, there are a number of companies that specialize in writing a policy for your cabin on a separate policy without insuring your primary residence. Many are able to write with many of the same coverages as a homeowner’s policy while also offering built-in coverage for your recreational vehicles. <br />\nSimilar to a regular homeowner’s policy, these policies can insure the contents of your cabin as a percentage of the dwelling amount for both theft and liability<br />\nQuestion #2 &#8211; If I have no buildings, do I still need to insure the vacant land?<br />\nIn most cases, pure vacant land is covered for liability by your primary homeowners policy. Coverage would apply if a person were injured on your land. But you should be careful of the phrase “vacant land” in your policy. Any development on the property may cause the land to not be considered “vacant” any longer. <br />\nThis includes minimalist structures that may negate coverage, such as an outhouse, fencing, or a framed deer stand. <br />\nQuestion #3 &#8211; How are the contents in my cabin covered?<br />\nYour possessions in your cabin depend on the size and usage. Policies run the gamut from no contents coverage at all, limited coverage on select items, or protection for items that are shared with your primary residence. <br />\nOther policies will cover a percentage of the dwelling amount, just like your primary home. It’s common practice for your primary home policy to automatically extend 10% of your primary home contents coverage to another location like your cabin.<br />\nBeing proactive is the best way to protect those things that are special to you before there is a loss.<br />\nOnce you’re set up, you can finally rest easy and enjoy the good life that comes with owning a cabin. </p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2788,1019,'_et_pb_truncate_post_date','2021-03-16 03:26:07'),(2789,1019,'_et_builder_version','VB|Divi|4.0.9'),(2790,1019,'_et_pb_show_page_creation','off'),(2791,1025,'_edit_lock','1606776225:1'),(2792,1025,'_edit_last','1'),(2793,1025,'_et_pb_post_hide_nav','default'),(2794,1025,'_et_pb_page_layout','et_right_sidebar'),(2795,1025,'_et_pb_side_nav','off'),(2796,1025,'_et_pb_use_builder','on'),(2797,1025,'_et_pb_built_for_post_type','page'),(2798,1025,'_et_pb_ab_subjects',''),(2799,1025,'_et_pb_enable_shortcode_tracking',''),(2800,1025,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1025\" /]'),(2801,1025,'_et_pb_custom_css',''),(2802,1025,'_et_pb_gutter_width','3'),(2803,1025,'_thumbnail_id',''),(2804,1025,'_et_pb_first_image',''),(2805,1025,'_et_pb_truncate_post',''),(2806,1025,'_et_pb_truncate_post_date',''),(2807,1025,'_et_builder_version','VB|Divi|4.0.9'),(2808,1025,'_et_pb_show_page_creation','off'),(2809,1032,'_edit_lock','1606777978:1'),(2810,1032,'_edit_last','1'),(2811,1032,'_et_pb_post_hide_nav','default'),(2812,1032,'_et_pb_page_layout','et_right_sidebar'),(2813,1032,'_et_pb_side_nav','off'),(2814,1032,'_et_pb_use_builder','on'),(2815,1032,'_et_pb_built_for_post_type','page'),(2816,1032,'_et_pb_ab_subjects',''),(2817,1032,'_et_pb_enable_shortcode_tracking',''),(2818,1032,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1032\" /]'),(2819,1032,'_et_pb_custom_css',''),(2820,1032,'_et_pb_gutter_width','3'),(2821,1032,'_thumbnail_id',''),(2822,1032,'_et_pb_first_image',''),(2823,1032,'_et_pb_truncate_post',''),(2824,1032,'_et_pb_truncate_post_date',''),(2825,1032,'_et_builder_version','VB|Divi|4.0.9'),(2826,1032,'_et_pb_show_page_creation','off'),(2827,1041,'_edit_lock','1606778440:1'),(2828,1041,'_edit_last','1'),(2829,1041,'_et_pb_post_hide_nav','default'),(2830,1041,'_et_pb_page_layout','et_right_sidebar'),(2831,1041,'_et_pb_side_nav','off'),(2832,1041,'_et_pb_use_builder','on'),(2833,1041,'_et_pb_built_for_post_type','page'),(2834,1041,'_et_pb_ab_subjects',''),(2835,1041,'_et_pb_enable_shortcode_tracking',''),(2836,1041,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1041\" /]'),(2837,1041,'_et_pb_custom_css',''),(2838,1041,'_et_pb_gutter_width','3'),(2839,1041,'_thumbnail_id',''),(2840,1041,'_et_pb_first_image',''),(2841,1041,'_et_pb_truncate_post',''),(2842,1041,'_et_pb_truncate_post_date',''),(2843,1041,'_et_builder_version','VB|Divi|4.0.9'),(2844,1041,'_et_pb_show_page_creation','off'),(2853,1052,'_edit_lock','1606780342:1'),(2854,1052,'_edit_last','1'),(2855,1052,'_et_pb_post_hide_nav','default'),(2856,1052,'_et_pb_page_layout','et_right_sidebar'),(2857,1052,'_et_pb_side_nav','off'),(2858,1052,'_et_pb_use_builder','on'),(2859,1052,'_et_pb_built_for_post_type','page'),(2860,1052,'_et_pb_ab_subjects',''),(2861,1052,'_et_pb_enable_shortcode_tracking',''),(2862,1052,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1052\" /]'),(2863,1052,'_et_pb_custom_css',''),(2864,1052,'_et_pb_gutter_width','3'),(2865,1052,'_thumbnail_id',''),(2866,1052,'_et_pb_first_image',''),(2867,1052,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Invest Wisely in High-Value Home Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p> </p>\n<p>You&#8217;ve had the good fortune of experiencing financial success in your life, and you&#8217;ve invested a great deal of it in your home. But when shopping for homeowners insurance, you may find that standard policies don&#8217;t quite meet your needs. <br />\nYou&#8217;ve worked hard to build high-value estate complete with expensive furnishings and other valuables, and you deserve a specialized policy designed to cover your investments.<br />\n <br />\nWhat Is High-Value Home Insurance?<br />\nIn short, high-value home insurance is a policy that provides all the coverage offered by traditional homeowners insurance, and then goes above and beyond. <br />\nAllowed coverage limits in each category are much higher than with traditional homeowners policies, which makes this type of policy perfect for individuals with luxury estates. The value of your home and possessions is factored into your specific policy.<br />\nObviously, all homes (and the possessions within) have different total values, and your personal estate will demand coverage needs tailored specifically for you. Your policy will even provide coverage in the event that your home is badly damaged and needs to be rebuilt — up to its original value.<br />\n </p>\n<p>Why Traditional Homeowners Insurance Policies May Not Be Enough<br />\nThe Number of High-Net-Worth Households in the US</p>\n<p> </p>\n<p>Beyond just understanding that typical homeowners insurance policies may not be enough to meet your unique needs, it&#8217;s helpful to see the specific breakdown of where they might come up short.</p>\n<p>Traditional homeowners policies typically place caps of $1,000 to $2,000 each on coverage for items such as furs, silver, jewelry, and fine art.<br />\nPurchasing separate riders on these items may only increase your full coverage to $10,000 for each category of personal belongings.<br />\nHomeowners policies typically limit the cap on contents coverage at 50% to 70% of your home’s value — usually not enough for high-wealth individuals and collectors.</p>\n<p>Basically, a high-value home insurance policy helps to fill in the gaps that would be left by a traditional homeowners insurance policy. When dealing with potentially replacing or repairing luxury estates and valuables, these are gaps you can&#8217;t afford not to fill.<br />\nHow Is High-Value Home Insurance Different?<br />\nHigh-value home insurance addresses the issue of coverage needs that extend beyond the coverage caps locked on to numerous categories by traditional homeowners insurance policies. <br />\nWith high-value home insurance, the need to purchase separate endorsements or insurance riders in order to cover the additional value is eliminated. </p>\n<p>Typical limits for high-value items in standard home insurance</p>\n<p>Jewelry<br />\n$1,500</p>\n<p>Furs<br />\n$1,500</p>\n<p>Photo &amp; Video Equipment<br />\n$1,500</p>\n<p>Musical Instruments<br />\n$2,500</p>\n<p>Silverware<br />\n$2,500</p>\n<p>Golf Equipment<br />\n$2,500</p>\n<p>Fine Art<br />\n$2,500</p>\n<p>Computer/Electronic Equipment<br />\n$1,500</p>\n<p>Postage<br />\n$1,500</p>\n<p>Stamps<br />\n$1,500</p>\n<p>Coins<br />\n$200</p>\n<p>Firearms<br />\n$2,500</p>\n<p>Bikes<br />\n$1,500</p>\n<p>Individuals with an extensive list of luxury items requiring higher coverage amounts can get all their needs met, wrapped up in one neat and tidy policy. To make matters even better, having a single policy without extraneous endorsements or riders will ultimately save you money.<br />\n <br />\nWhat Constitutes a High-Value Home?</p>\n<p>High-value home insurance sounds great, but how do you determine if your home is a candidate for this type of policy? Well, some insurance companies offer high-value policies for homes valued at $300,000 or more, but most won&#8217;t insure homes under $750,000 in value. Some policies even begin at the $1 million mark when it comes to estate values.<br />\nKeep in mind that home values vary throughout the country, and that insurance companies differ in their coverage requirements. You&#8217;ll need to shop around to find the best policy, since not all the available options will apply to your unique needs.<br />\n&nbsp;<br />\nWhy Do Luxury Homes Need Special Insurance?<br />\nNow that we&#8217;ve covered how high-value home insurance differs from standard homeowners insurance, it&#8217;s important to determine why luxury homes need to be insured in the first place. Here are just a few reasons why luxury estate owners should look into getting coverage:</p>\n<p>Luxury home owners may have hired staff (for cleaning, cooking, etc.) in addition to other guests in their home at any given time. With all these extra bodies in and around the estate, homeowners may rightfully be concerned about theft. <br />\nPossessions that are higher-value are also highly attractive to burglars. In addition to loss due to theft, burglars may also cause damage to the home or property upon their intrusion, resulting in more financial loss.<br />\nLuxury items that appreciate in value (i.e., custom stained-glass windows from Italy, a cellar stocked with fine wines from France, Persian rugs, etc.) may not have their full potential worth realized by standard homeowners insurance policies. </p>\n<p>Only a high-value home insurance policy can recognize and honor the full value of your luxury estate and possessions. <br />\nIn the event of a catastrophe that requires the replacement of your belongings or the rebuilding of your home, you&#8217;ll need an elite home insurance policy from a company that not only understands your unique coverage needs, but also values your items as much as you do.<br />\n&nbsp;<br />\nCoverage Options for High-Value Home Insurance<br />\nBecause high-value home insurance providers understand that your unique needs extend beyond traditional policies, they offer several options to choose from in order to create complete coverage designed specifically for you.</p>\n<p>Excess liability and umbrella liability coverage: These policies provide the full coverage necessary in the event that a lawsuit is filed against a high-value homeowner, including financial reimbursement for legal fees, fines, and restitution. <br />\nLiability insurance for domestic help: Should one of your domestic help employees suffer an injury on the job, this coverage will take care of the medical expenses as well as lost wages while they are unable to work. This insurance also covers fees in the event that you are sued and deemed responsible for their injuries.<br />\nFlood insurance: Homeowners insurance policies typically do not provide flood coverage. Floods can cause damage to your property and possessions, and water damage is one of the most common (and costly) home insurance claims across the board. Since typical flood insurance (provided by the National Flood Insurance Program) does not provide even close to enough coverage for luxury estates, high-value home insurance companies include it as part of their package.<br />\nIdentity theft insurance: Identity theft crimes are on the rise, and individuals with a high net worth are ideal targets for these criminals. This aspect of your insurance provides coverage for legal fees required to clean up the mess, and will potentially reimburse you for financial losses suffered while victimized.<br />\nKidnap and ransom insurance: Criminals also target high-net-worth individuals for prospective ransom payments. In the event of an incident, this coverage will help with costs required to meet the criminal&#8217;s demands, as well as for hiring the expert assistance necessary to resecure and protect your loved ones.<br />\nCoverage for vacation homes: Many insurers also provide coverage for additional structures, including pool houses and vacation homes. Combining this coverage into one policy is a strategy to save money while maintaining the full coverage you need.<br />\nMedical coverage for pets: Some high-value home policies even extend to pets. This coverage provides medical insurance policies to cover vet bills and possibly even boarding costs, should your home become temporarily uninhabitable due to a disaster.</p>\n<p>How Do Insurance Companies Determine Property Values?</p>\n<p>Richest States in America 2019</p>\n<p> </p>\n<p>Typically, an insurance company will send out an expert appraiser to your estate to examine, assess, and document the value of your home and luxury possessions, including jewelry, artwork, collectibles, antiques, and custom materials/construction. <br />\nShould you disagree with the final report given by the appraisal, you may request a second appraisal, or appeal it by conducting your own expert assessment.<br />\nYour coverage needs may change over the years as you redecorate, renovate, or otherwise revamp your home. Your insurance company may require periodic assessments in order to accurately keep your coverage up to date. <br />\nAn assessment of your estate, as well as a review of your insurance policy, is encouraged at least once every five years.<br />\nTo read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2868,1052,'_et_pb_truncate_post_date','2021-03-16 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et_pb_section_3 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_6\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Storage Unit Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_7\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Self storage is multibillion dollar industry in the US. Millions of Americans keep property in some sort of storage unit, either temporarily or long-term. In fact, 1 out of every 10 Americans rents off-site storage—it&#8217;s the fastest-growing segment of the commercial real estate industry over the past few decades. <br />\nAccording to the Self Storage Association, the nonprofit trade organization for self storage business owners, the industry made $24 billion last year. On average, a 10&#215;10-foot storage unit rented for $115 per month for a non-climate controlled unit, and $146 for climate-controlled.<br />\nMost demand for storage units is for temporary reasons. When people move, divorce, experience a death in the family or are displaced by a natural disaster, storage units help keep their belongings safe while they find long-term placement. <br />\nUnfortunately, these units are not immune to disaster themselves. That’s why it’s important to secure your property with storage unit insurance.<br />\nUse this independent agent matching tool to find the best insurance solution in your area. Briefly describe what you&#8217;re looking for, and the tool will recommend the best agents for you. Any information you provide will sent only to the agent you pick.<br />\nWhy Do I Need Insurance for My Storage Unit?<br />\nAccording to FBI statistics, more than 1 million storage units are destroyed by arson every year, causing an average of $11,000 in damage. Only 20% of arsonists who set storage units ablaze are ever arrested, making it highly unlikely that you will receive restitution. <br />\nThese figures don&#8217;t include accidental fire damage, which causes millions more in lost property. You&#8217;ll want a self storage insurance policy to help you repair or replace your damaged property.<br />\nMany storage units offer video surveillance and other security measures. However, even if a theft is recorded, you may never see your property again. Unfortunately, once items are stolen, it’s unlikely that the police will recover and return them. <br />\nFBI statistics indicate that stolen property is recovered at a dismal average of 3% to 12%, depending on the item (excluding motor vehicles, which are recovered about half the time). Crime data show that jewelry is more easily recovered than household goods such as furniture. <br />\nA family heirloom is easier to track than a coffee table. However, many self storage insurance policies have limitations on what they cover. It’s important to review your policy options carefully before keeping Great-Aunt Mabel’s diamond necklace in a storage facility.  <br />\nWhat If My Property Is Already Insured?<br />\nYour homeowners, renters or business insurance may cover the reason you&#8217;re renting a storage unit in the first place if you are displaced by a tornado, fire or other natural event. In these circumstances, you may already have coverage, as long as the items are listed on your policy. <br />\nThis coverage is almost always on a temporary basis and may have more limitations than if the property was still in your home or apartment. Off-premises home insurance coverage often has a limit of $1,000 or 10% of the policy&#8217;s personal property limit, whichever is greater. <br />\nThat means if the personal property limit is $100,000, up to $10,000 worth of property in a storage unit could be covered. Be sure to carefully review any existing insurance policy to find out if additional storage unit insurance may be necessary.<br />\nIf you are in the process of moving, however, you may not have an existing insurance policy and you will want to find insurance for your storage unit.<br />\nWhat If the Self Storage Facility Offers Insurance?<br />\nSelf storage facilities often require proof of insurance before renting the unit. Less scrupulous operators neglect to tell the potential renters about this fact until the day they move in, and then immediately demand proof of insurance before handing over the keys. <br />\nThis forces the customer to purchase a policy from the facility. To prevent feeling rushed or forced, go in with proof of insurance. Many storage policies reimburse only for an item’s cash value at the time of loss, which may be less than the replacement cost. <br />\nIt’s always best to look for a number of quotes from different storage unit insurance companies rather than settling for the facility’s policy, which can be expensive while offering less coverage.<br />\nCommon exclusions in these policies include:</p>\n<p>Missing items. Items can only be considered stolen as part of a burglary if there is physical evidence of a break-in. If an item goes missing from your storage unit, it&#8217;s considered a “mysterious disappearance” and isn’t covered.<br />\nDamage from insects, rodents and other vermin. These exclusions are similar to homeowners and renters policies. Be sure to ask the facility operator how they manage the local moth and rat populations.<br />\nExpensive items and documents. Policies offered at the storage facility can be more exclusionary than third-party insurance coverage. Exclusions usually include jewelry, art, furs, collectibles, cash, deeds, securities and other documents. Your homeowners or renters insurance allow you to purchase riders to cover these normally excluded items. However, this additional and vital protection is most often not offered through the facility’s insurance.<br />\nMotor vehicles. Most of these policies also exclude vehicles. You may not have auto insurance on the car or truck you wish to store, so you will want to secure a car insurance policy or opt for a self storage insurance policy from a third party that includes such coverage.</p>\n<p>Where Can I Find the Best Storage Unit Insurance?<br />\nWhether you are moving, have experienced a covered natural disaster, or simply wish to store some property while you renovate a room in your home, you want to be sure your belongings are covered, no matter where you keep them. <br />\nIndependent agents can help you review any existing policies you may have so you are certain everything is covered. These agents can also assist you in finding multiple quotes from a variety of insurance providers, enabling you to choose a self storage insurance policy with the best coverage at the most affordable rates.<br />\n&nbsp;<br />\nTo read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3141,1155,'_et_pb_truncate_post_date','2021-03-16 03:08:53'),(3142,1155,'_et_builder_version','VB|Divi|4.0.9'),(3143,1155,'_et_pb_show_page_creation','off'),(3144,1159,'_edit_lock','1608318288:1'),(3145,1159,'_edit_last','1'),(3146,1159,'_et_pb_post_hide_nav','default'),(3147,1159,'_et_pb_page_layout','et_right_sidebar'),(3148,1159,'_et_pb_side_nav','off'),(3149,1159,'_et_pb_use_builder','on'),(3150,1159,'_et_pb_built_for_post_type','page'),(3151,1159,'_et_pb_ab_subjects',''),(3152,1159,'_et_pb_enable_shortcode_tracking',''),(3153,1159,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1159\" /]'),(3154,1159,'_et_pb_custom_css',''),(3155,1159,'_et_pb_gutter_width','3'),(3156,1159,'_thumbnail_id',''),(3157,1159,'_et_pb_first_image',''),(3158,1159,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How to Insure Your Musical Instruments</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>If you’d rather be strumming away at your guitar or playing a tune on your piano than thinking about your insurance needs, you’re not alone. <br />\nBut protecting your investment in a musical instrument is probably something you think about regularly, especially if you travel with it. Musical instrument insurance can provide peace of mind.<br />\nDo I Need Musical Instrument Insurance?<br />\nIf you’re not certain you really need to insure that musical instrument that cost you thousands of dollars — whether it&#8217;s cello or a baby grand piano — consider just a few of the ways people experience loss or damage to their instruments each year:</p>\n<p>Overexposure to humidity<br />\nWater damage during storage or from burst pipes and flooding<br />\nBeing dropped, for example, by a baggage handler at the airport<br />\nDamaged or lost during transportation<br />\nLost or stolen while you’re traveling or on vacation<br />\nDestroyed in a house fire or other disaster</p>\n<p>Who Needs Instrument Insurance?<br />\nIf you own an expensive musical instrument, you are likely to need instrument insurance. If you have a child who is in a band or is taking private music lessons, insurance can protect your investment in the instrument while your young student is toting it around. <br />\nIf your child accidentally leaves the instrument on the bus never to be seen again, the proper insurance could replace it.<br />\nIf you are in a band, orchestra, or local symphony, it is definitely a good idea to get your instrument protected against loss, damage, or theft. If you transport your instrument to symphony halls, wedding receptions, or bars and musical venues, it is important to evaluate the risks you’ll face in transit.<br />\nThe amount of coverage you need is based on your instrument’s appraised value. An appraiser will take into account factors such as age, condition, and quality. If you have the appropriate coverage and something happens to the instrument, you won’t have to pay out of pocket to replace the instrument at full value.<br />\nDoes Homeowners Insurance Cover Musical Instruments?<br />\nA homeowners insurance policy typically provides some coverage for your non-professional musical instruments, although to ensure full coverage you may need a separate rider. <br />\nIf your instrument is damaged by water from a burst pipe or leaky roof, your homeowners coverage is likely to kick in, subject to any policy limits for personal belongings.<br />\nAs you evaluate your musical instrument insurance needs, also consider the following:</p>\n<p>A homeowners policy often carries high deductibles, while certain instrument insurance policies offer no-deductible options.<br />\nA homeowners policy won’t usually provide full coverage for professional instruments you use for paid performances.<br />\nA homeowners policy probably won’t cover your instrument if it was damaged by a flood or an earthquake.</p>\n<p>Because of the possible restrictions and limitations placed on musical instruments in a homeowners policy, you may want to consider a separate endorsement or instrument insurance policy that better meets your needs.<br />\nWhat Are the Costs for Piano, Violin, or Viola Insurance?<br />\nA few of the most expensive musical instruments include pianos, violas, and violins. Due to their value, they’re often insured under policies separate from a homeowners policy. Let’s take a look at the price of coverage for these frequently insured items.<br />\nPianos range in value, but it’s not uncommon for a Bosendorfer to cost over $50,000. Violas and violins, depending on their quality, can also cost thousands of dollars. Piano insurance, viola insurance, and violin insurance are all based on the instrument’s current list price.<br />\nDetermining your instrument’s value is necessary for selecting the amount of coverage you need.<br />\nInsurance premiums for these types of instruments can cost as little as $250 per year. If you elect to add additional limits to your homeowners policy, you’ll need to make sure the coverage is adequate based on your instrument’s replacement value.<br />\nMore What-If Scenarios for Musical Instrument Coverage<br />\nTo fully assess your level of risk and insurance needs, consider your use of the instrument, including any times when it may be out of your sight or may be at risk of damage. Assemble your questions and concerns for a discussion with your insurance agent.<br />\nYou may want to ask your agent the following questions:</p>\n<p>Will your instrument be covered if it is damaged while on loan to a friend?<br />\nWill it be covered if you rent it out?<br />\nWhat if you accidentally leave it in a taxi?<br />\nWill it be covered if you transport it out of the state? Out of the country?</p>\n<p>In most instances, coverage for these types of mishaps depends on the specific language of your homeowners or individual instrument insurance policy.<br />\nPurchasing the Best Instrument Insurance<br />\nIf you realize the importance of instrument insurance, but aren’t sure exactly how to proceed, you’re not alone. The world of insurance can be challenging to navigate. There are numerous companies that offer quotes on homeowners policies and individual musical instrument insurance.<br />\nAs you&#8217;re researching insurance options, make sure you&#8217;re looking at the reputation of the insurer. If the company is highly rated (you can do some online searches on sites like A.M. Best for industry ratings), and the quote you see is within your price range, this might be a good option. <br />\nJust don&#8217;t stop at the first quote you see. It&#8217;s highly recommended that you get at least three quotes before you buy. That way, you&#8217;ll have a range of options at your fingertips, and can rest assured that your choice is the right one for your needs and budget.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3159,1159,'_et_pb_truncate_post_date','2021-03-16 03:08:53'),(3160,1159,'_et_builder_version','VB|Divi|4.0.9'),(3161,1159,'_et_pb_show_page_creation','off'),(3162,1165,'_edit_lock','1608319110:1'),(3163,1165,'_edit_last','1'),(3164,1165,'_et_pb_post_hide_nav','default'),(3165,1165,'_et_pb_page_layout','et_right_sidebar'),(3166,1165,'_et_pb_side_nav','off'),(3167,1165,'_et_pb_use_builder','on'),(3168,1165,'_et_pb_built_for_post_type','page'),(3169,1165,'_et_pb_ab_subjects',''),(3170,1165,'_et_pb_enable_shortcode_tracking',''),(3171,1165,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1165\" 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et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Finding the Best RV Insurance for You</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>There&#8217;s been a pretty big shift in the RV (or recreational vehicle) world in the past few years as more and more Gen Xers and Millennials have begun celebrating the traveling home on wheels lifestyle. <br />\nAnd who can blame them? After all, with an RV, you get all the joys of travel rolled-up tight with the comforts of staying right on your couch. <br />\nShare of Americans planning to buy an RV (motorhome) in the next 12 months as of 2018, by age</p>\n<p>But before you go all-in and invest in your very own RV, you&#8217;ll want to make sure you&#8217;re set up with the right insurance coverage to protect you from any potential hazards of the road. <br />\nTypes of RVs and Motorhomes<br />\nBefore you can find out what type of insurance you need, you need to know how your vehicle is classified. So which is it:</p>\n<p>Class A motorhomes: Largest RVs on the road – a home on wheels<br />\nClass B motorhomes: The small RVs – a van with amenities<br />\nClass C motorhomes: Midsize models, sometimes called mini-motorhomes<br />\nMotorhome bus conversion: A bus converted to an RV<br />\nTravel trailers: Towable motorhomes typically attached by a trailer hitch<br />\nFifth wheels: Towable motorhomes attached to a truck with a fifth-wheel hitch<br />\nTruck campers: Add-on campers attached to a truck bed</p>\n<p>When you talk to your agent, this will be where you start. And once they&#8217;ve established what your main goals are with your RV, you can move on to the coverages you need.<br />\nWhy Do I Need RV Insurance?<br />\nYour RV is pretty much a combo of your home and your car. And despite being on wheels, it still includes homey comforts like a bed, dishes, a TV, and even a fridge. That means your policy coverage needs to be a bit more extensive, to reflect the protection you need. Think of it kinda like this:</p>\n<p>Now, you most likely financed your RV through a bank. And more often than not, the lender will require insurance for your RV in order to finalize the deal and protect their investment in you. So in this case, it is mandatory.<br />\nBeyond that, most US states require a liability policy at an absolute minimum to cover any property damage, medical costs, or legal fees that come along with an accident. <br />\nSeveral states go even further, requiring uninsured/underinsured motorist coverage in case you&#8217;re hit by another driver who doesn’t have insurance, or doesn&#8217;t have enough to pay for the damage. <br />\nJust now, required or not, proper coverage is always recommended. After all, you never know what type of incidents you&#8217;ll encounter out on the road. And without the right protection in place, you&#8217;ll be paying it all out of pocket.<br />\nWhat Does RV Insurance Cover?<br />\nYour RV insurance policy can cover a number of situations. In most cases, your coverage limits are typically up to you, with the exception of areas that have already put legal minimums in place. <br />\nFor convenience, some RV owners just add coverage to their personal auto policy (PAP). But beware, this can leave a significant number of coverage gaps in your personal property and liability. It’s recommended you have a higher limit on your coverage that&#8217;s more inclusive of the specific incidents that occur with RVs.<br />\nOne big factor in deciding the type of coverage you need is how you plan on using it. If you only use your RV occasionally for seasonal trips or as a permanent residence without moving it, you probably don&#8217;t need a lot of protection. <br />\nBut if you&#8217;re constantly traveling the roads, you&#8217;ll need specialized coverage called full-timers coverage (See below.) <br />\nNow that we have that established, let’s start with some standard coverage options available:</p>\n<p>Liability insurance: Covers the costs associated with any injuries or property damage you&#8217;re responsible for due to an accident.<br />\nCollision: Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.<br />\nComprehensive: Formally known as &#8220;other than collision,&#8221; this portion of your policy covers damage to your vehicle from things like theft and weather damage.<br />\nPersonal injury protection/medical payments: Pays medical bills and other expenses whether you’re at fault or not<br />\nUninsured/underinsured motorists: Protects you financially if the other driver doesn’t have any car insurance or not enough to pay for all expenses.</p>\n<p>Additional coverage options can include the following:</p>\n<p>Total loss replacement: Pays to replace your RV in the event of a total loss. This is usually only available for brand-new RVs that have never had a previous owner. <br />\nPhysical damage coverage: Covers physical damage or theft.<br />\nPet injury coverage: Covers vet fees for an injury to an animal or replacement costs for death.<br />\nTowing and roadside assistance: Covers the cost for a professional to help fix covered problems or to tow your vehicle to a repair shop.<br />\nAttached accessories: Coverage helps to repair or replace things like antennas and awnings.<br />\nPersonal effects coverage: Covers personal property like dishes and sporting equipment.<br />\nVacation liability: Covers the cost of bodily injury or property damage that occurs when the RV is being used as a temporary residence.</p>\n<p>For full-timers, though, coverage options will typically have higher liability limits similar to a homeowners policy. Options can include:</p>\n<p>Full-timers personal liability<br />\nFull-timers medical payments coverage<br />\nFull-timers loss assessment coverage<br />\nFull-timers secured storage contents coverage</p>\n<p>Miscellaneous Coverage Features<br />\nPolicies can carry a number of different coverages, which can typically be added through an endorsement. An insurance endorsement is an addition to your insurance contract that provides unique coverage not listed in your original policy and can include:</p>\n<p>Emergency expense<br />\nRental reimbursement<br />\nMiscellaneous vehicles<br />\nLoan/Lease payoff<br />\nCoverage suspension</p>\n<p>How Much Does RV Insurance Cost?<br />\nBecause no two RVs and their drivers are the same, no two policies are the same. Which means it&#8217;s impossible to say exactly what your RV insurance will cost. <br />\nBut basically, your RV or motorhome insurance premiums will depend on the type of coverage you choose, your state’s requirements, and a few other key factors, like: </p>\n<p>Where you travel: A full-timer will need different coverage than a recreational motorist. How far you travel and where also matters, since areas with more risk will need additional protections.<br />\nWhat you ride: The type of motorhome you&#8217;re driving will make a big difference, too. A truck camper or travel trailer doesn’t have the same luxe amenities as a Class A motorhome, so it’s usually cheaper to repair or replace after an accident.<br />\nHow you ride: Your driving history is important. It tells an insurance company whether you&#8217;re a risk-taker or a more cautious driver. If your driving record is full of traffic tickets and accidents, you’ll be considered higher-risk and typically pay higher premiums.</p>\n<p>Get Lower Rates When You Bundle Your RV Insurance<br />\nUnless you live completely out of your RV, you&#8217;ll most likely already have multiple insurance policies—from your car, to your home, or maybe even your boat. <br />\nIf you take those existing policies and bundle them with your RV policy, you should get a nice little discount, because your carrier appreciates all your business in one place. Not to mention it&#8217;s much easier to have all your coverages in one place.</p>\n<p>&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3238,1183,'_et_pb_truncate_post_date','2021-03-16 03:08:53'),(3239,1183,'_et_builder_version','VB|Divi|4.0.9'),(3240,1183,'_et_pb_show_page_creation','off'),(3241,1193,'_edit_lock','1608330331:1'),(3242,1193,'_edit_last','1'),(3243,1193,'_et_pb_post_hide_nav','default'),(3244,1193,'_et_pb_page_layout','et_right_sidebar'),(3245,1193,'_et_pb_side_nav','off'),(3246,1193,'_et_pb_use_builder','on'),(3247,1193,'_et_pb_built_for_post_type','page'),(3248,1193,'_et_pb_ab_subjects',''),(3249,1193,'_et_pb_enable_shortcode_tracking',''),(3250,1193,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1193\" /]'),(3251,1193,'_et_pb_custom_css',''),(3252,1193,'_et_pb_gutter_width','3'),(3253,1193,'_thumbnail_id',''),(3254,1193,'_et_pb_first_image',''),(3255,1193,'_et_pb_truncate_post',''),(3256,1193,'_et_pb_truncate_post_date',''),(3257,1193,'_et_builder_version','VB|Divi|4.0.9'),(3258,1193,'_et_pb_show_page_creation','off'),(3259,1197,'_edit_lock','1608331551:1'),(3260,1197,'_edit_last','1'),(3261,1197,'_et_pb_post_hide_nav','default'),(3262,1197,'_et_pb_page_layout','et_right_sidebar'),(3263,1197,'_et_pb_side_nav','off'),(3264,1197,'_et_pb_use_builder','on'),(3265,1197,'_et_pb_built_for_post_type','page'),(3266,1197,'_et_pb_ab_subjects',''),(3267,1197,'_et_pb_enable_shortcode_tracking',''),(3268,1197,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1197\" /]'),(3269,1197,'_et_pb_custom_css',''),(3270,1197,'_et_pb_gutter_width','3'),(3271,1197,'_thumbnail_id',''),(3272,1197,'_et_pb_first_image',''),(3273,1197,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Are You Insured for a Tornado?</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>With about 1,000 tornadoes touching down each year, the United States leads the world in tornado activity. While the majority of these tornadoes occur in the area known as Tornado Alley, they can, and do, happen all over the country. <br />\nTornadoes are among the most expensive natural disasters. In fact, about 57% of all US catastrophic losses are tornado-related. You can minimize your risk of financial burden in the aftermath of a tornado with insurance.<br />\nFacts about Tornadoes</p>\n<p>Tornado wind speeds can reach 250 mph.<br />\nTornadoes can be a mile wide and can travel on the ground for as much as 50 miles.<br />\nAbout 3 out of 4 of the world’s tornadoes occur in the United States.<br />\nTornadoes have been reported in all 50 states and have happened in all seasons.<br />\nOn average, tornadoes cause 70 fatalities and 1,500 injuries in the US each year.</p>\n<p>What Is Tornado Insurance?<br />\nUnlike floods or hurricanes, tornadoes are generally covered under homeowners insurance policies and do not require a separate endorsement, or rider. <br />\nBecause of the potential for extensive damage, homeowners are strongly advised to review their policies to make sure their coverage is sufficient if a tornado touchdown occurs.<br />\nIf you rent your home or live in a condominium, you will want to be sure that you have renters or condo insurance to cover your property. <br />\nWhile your landlord or condo association will have a policy in place to cover damage to the structure of your home, personal belongings kept inside are not covered under these policies.<br />\nTo obtain coverage for tornado damage to your vehicle, you will need to have a comprehensive car or truck insurance policy in place. Simply carrying liability insurance will not provide you with reimbursement for potentially extensive repairs following a tornado.<br />\n Those who live within the boundaries of Tornado Alley are strongly encouraged to carry comprehensive auto insurance.<br />\nHow Much Coverage Is Enough?<br />\nTornadoes can cause peripheral damage from high winds, or more extensive damage if your home is directly in the path of the storm. Those whose homes are directly hit by one of these powerful storms could lose most if not all of their personal belongings.<br />\nConsider the contents of your home and how expensive it would be to replace absolutely everything, including clothes, furniture, and tools. Most homeowners policies cap certain categories of items based on the total coverage amount of the policy. <br />\nIf you have a lot of expensive electronic equipment, artwork or collectibles, or own anything of extraordinary value, you may need additional endorsements to fully cover them.<br />\nYou may want to consider paying a little extra to get replacement value insurance coverage. Replacement value insurance will provide you with reimbursement for what it would cost to purchase new what was lost or damaged, rather than receiving compensation for the items at their depreciated value. <br />\nIf you find yourself in a position where you need to replace everything in your home, this type of coverage can prove extremely beneficial.</p>\n<p>Insurance professionals recommend making an inventory of all the belongings in your home and updating it annually.</p>\n<p>Walking through your home with a video camera and keeping the recording in a safe place can help prove the value of your belongings during the claims process.<br />\nStay Safe during a Tornado<br />\nWhile securing your personal belongings and valuables is important, protecting yourself and your family should be your top priority when a tornado watch is in effect. <br />\nYour family should have a plan in place so that you can quickly find shelter, particularly if you live in a vulnerable structure such as a mobile home. You should also pre-designate a place to meet up after the storm if you are separated.<br />\nBasements and storm cellars are the safest places to wait out a tornado. If shelter below ground is not available, go to the lowest floor possible and seek protection a bathroom, closet or other interior room far from windows and as close to the center of the house as possible.<br />\nConventional wisdom holds that opening windows helps by equalizing pressure in the house. This is no longer advised, however, as doing so allows damaging debris to enter your home.<br />\nIf you see a tornado touch down while you are in your car, do not try to out-drive it, particularly if you are in an urban or congested area. Instead exit your vehicle and, if possible, find a sturdy building or storm cellar to take shelter in. <br />\nIf none is available, lie down in a low, flat area, such as a ditch, and cover your head until the tornado passes. Do not go underneath a bridge or overpass, because this is extremely dangerous.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3274,1197,'_et_pb_truncate_post_date','2021-03-16 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id=\"1207\" /]'),(3292,1207,'_et_pb_custom_css',''),(3293,1207,'_et_pb_gutter_width','3'),(3294,1207,'_thumbnail_id',''),(3295,1207,'_et_pb_first_image',''),(3296,1207,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">3 essential routines you need for a more productive, less stressful 2021</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;</p>\n<p>When we were sent home last March, we patched together work habits to survive the new world of work and life.</p>\n<p>You endured and made it to 2021.<br />\nNow, as the new year unfolds, it’s time to level up and replace survival work processes, with practices that support and enable your productivity, performance, and peace of mind.<br />\nHere are the three essential routines you need to make the months ahead more productive and less stressful.<br />\nIDENTIFY YOUR “MOJO MAGIC MOMENT” AND GET AN EARLY WIN<br />\nWhen the commute to your “office” is a few minutes from your bedroom to your sofa or kitchen table and the days of pandemic life blur together, it’s imperative to identify your “mojo magic moment” so you can get an early win to ignite your energy and motivation for the day. Here are four ways you can jump-start your day.<br />\nCompete to beat your time. Time yourself on a routine task. For example, how long does it take you to make breakfast? Read and respond to 12 emails? Or prepare the weekly report? Turn these routine tasks into a competition with yourself and see how fast you can go. You will be surprised at how much you can accomplish and how motivated you are to take on the day.<br />\nOrganize and empower your Type-A perfectionist to take the driver’s seat. Straighten up your workspace, file emails, or alphabetize your spices. Then stand back, admire your work, and tell yourself you did a great job. Now move on to the first task on your task list with confidence and vigor.</p>\n<p>Get dressed in clothes that make you feel confident, professional, and productive. Before you skip over this potential “mojo magic moment” as too “woo-woo,” know that there is a scientific theory called “enclothed cognition” that supports the effect that clothes have on how we feel and act. According to Dr. Nina Vasan, a psychiatrist and clinical assistant professor at Stanford University School of Medicine, “Clothing shapes your mental state and productivity. When you are stuck at home all day, what you wear can set the tone for what you are doing.” Dig into the back of your closet and pull out your favorite jacket, dress, or shirt. Put it on and use it to get your mind ready to work.<br />\nMove your body. You’ve heard it before, however, exercise does work to elevate your energy level. In a University of Georgia randomized controlled trial, researchers split people into three groups” low-intensity, moderate-intensity, and a control group (no exercise). During the six-week experiment, both exercise groups reported growing levels of energy compared to the control group. And, the good news, the low-intensity group reported less fatigue than the moderate-intensity group. Start your day with jumping jacks, a walk, or a few yoga poses, and get your blood and energy flowing.<br />\nPLAN A 5 S.T.A.R. DAY TO ACHIEVE YOUR GOALS<br />\nTargeted, intentional planning is how you achieve your goals and reduce stress. When you plan your upcoming work week, follow the four-step S.T.A.R. process.<br />\nS – Strategic: Review your strategic goals for the month.<br />\nT – Tasks: Identify the tasks that support the accomplishment of your strategic objectives. These are the discrete next action steps you need to perform to achieve your goals. Clarity is essential. Focus on the “must-dos,” not the “nice to-dos.” All action steps need to start with an action verb, for example, submit, call, or email.<br />\nA – Allocate: Allocate time on your calendar to complete your tasks. Is there time available on your calendar to complete the tasks required to achieve your goals? If not, look for opportunities to create time capacity. Can you decline a meeting where you are not required to provide information, represent a constituency, or be a decision-maker? Can you shorten a meeting or look for an alternative way to accomplish the meeting’s objective? Can you renegotiate a deadline to create capacity this week?</p>\n<p>Now, you are ready to organize your calendar to achieve your goals. You have three options: block your days in either small, precise increments of time, block your days in larger time increments or create theme days. To create theme days, you organize your days around a theme, category, or type of work. For example, administration, team development, sales, prospecting, or writing. Review your tasks and the core accountabilities of your job to determine your theme days. Once you have identified your themes, select a theme or themes for each day of the week. Note the theme for that day on your calendar, and complete tasks and projects aligned to that theme.<br />\nR – Results: Commit to your results. When you are asked to attend a meeting without an agenda or join a call to “catch-up,” remember that every time you say yes to a request, you are saying no to something else. Honor you and your time. Intentionally say “yes” and “no” to requests for your time.<br />\nCELEBRATE YOUR ACCOMPLISHMENTS AND SUCCESSES<br />\nIn a remote work environment, it’s difficult to receive the affirmation and praise you readily heard in your office. Gone are the days of a “thank-you” in the break room from your colleague or the “great job on the presentation” from your boss as you walk past their office. It’s up to you to acknowledge and celebrate your accomplishments and successes. At the end of the work week assess your progress on your strategic goals, or count your check marks on your task list, or reflect on any positive feedback you received via email or on a Zoom call. We all want and need to be seen and valued. Recognize how you have added value to your team, company, and customers.<br />\nIt’s a new year. Use the start of the year as an opportunity to create new routines that will energize you, elevate your performance, and remove stress from your workday.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3297,1207,'_et_pb_truncate_post_date','2022-01-02 22:00:59'),(3298,1207,'_et_builder_version','VB|Divi|4.0.9'),(3299,1207,'_et_pb_show_page_creation','off'),(3300,1212,'_edit_lock','1608661295:1'),(3301,1212,'_edit_last','1'),(3302,1212,'_et_pb_post_hide_nav','default'),(3303,1212,'_et_pb_page_layout','et_right_sidebar'),(3304,1212,'_et_pb_side_nav','off'),(3305,1212,'_et_pb_use_builder','on'),(3306,1215,'_wp_attached_file','2020/12/Untitled_Clipping_122320_022247_AM.jpg'),(3307,1215,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:845;s:6:\"height\";i:475;s:4:\"file\";s:46:\"2020/12/Untitled_Clipping_122320_022247_AM.jpg\";s:5:\"sizes\";a:8:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122320_022247_AM-300x169.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:169;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122320_022247_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122320_022247_AM-768x432.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:432;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122320_022247_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122320_022247_AM-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122320_022247_AM-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122320_022247_AM-400x475.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:475;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122320_022247_AM-480x270.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:270;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(3308,1212,'_et_pb_built_for_post_type','page'),(3309,1212,'_et_pb_ab_subjects',''),(3310,1212,'_et_pb_enable_shortcode_tracking',''),(3311,1212,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1212\" /]'),(3312,1212,'_et_pb_custom_css',''),(3313,1212,'_et_pb_gutter_width','3'),(3314,1212,'_thumbnail_id',''),(3315,1212,'_et_pb_first_image',''),(3316,1212,'_et_pb_truncate_post',''),(3317,1212,'_et_pb_truncate_post_date',''),(3318,1212,'_et_builder_version','VB|Divi|4.0.9'),(3319,1212,'_et_pb_show_page_creation','off'),(3320,1218,'_edit_lock','1608661750:1'),(3321,1218,'_edit_last','1'),(3322,1218,'_et_pb_post_hide_nav','default'),(3323,1218,'_et_pb_page_layout','et_right_sidebar'),(3324,1218,'_et_pb_side_nav','off'),(3325,1218,'_et_pb_use_builder','on'),(3326,1218,'_et_pb_built_for_post_type','page'),(3327,1218,'_et_pb_ab_subjects',''),(3328,1218,'_et_pb_enable_shortcode_tracking',''),(3329,1218,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1218\" /]'),(3330,1218,'_et_pb_custom_css',''),(3331,1218,'_et_pb_gutter_width','3'),(3332,1218,'_thumbnail_id',''),(3333,1218,'_et_pb_first_image',''),(3334,1218,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Starting a Business in 2021? Read These Expert Tips First</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;<br />\nIs your new year’s resolution to start a new business venture? If so, you’ll need insights from business experts to help the journey run smoothly. Members of the online small business community have tips for every aspect, from legal documents to marketing. Read on to prepare for your new business in 2021.</p>\n<p>Gather These Legal Documents Before Starting a Small Business<br />\nStarting a small business isn’t just about coming up with an idea. There are legal considerations as well. In this CorpNet post, Nellie Akalp lays out ten legal documents you need to have before getting started.<br />\nFollow This Beginner’s Guide to Marketing Funnels<br />\nMarketing funnels help companies standardize parts of their sales and marketing processes. It’s an essential step for new businesses. But if you’re not already familiar with this concept, this guide from Michal Leszcynski of GetResponse may help.<br />\nGain Quality Twitter Followers Each Day<br />\nIf you’re going to use social media for your business, you need to start gathering followers. But it’s important to attract those who are actually relevant to your business. This post by David Leonhardt of THGM Blog includes tips to help you achieve this goal. And members of the BizSugar community shared thoughts here.<br />\nTake These Steps Before Investing in a Franchise<br />\nIf you want to get a new business up and running quickly in 2021, a franchise may be the way to go. But there are multiple steps involved in the process. Joel Libava of The Franchise King shares a helpful checklist in this post.<br />\nGet Ideas for Your Online Business Name<br />\nBefore you can launch a new business, you need a name. It should clearly explain your offerings while also helping you stand out from the competition. But what if you’re short on ideas. Ivan Widjaya offers tips in this Biz Epic post.<br />\nFollow These SEO Trends for 2021<br />\nSEO is constantly evolving through the years. So if you’re starting a business in 2021, it helps to know the relevant trends. This TopRank Marketing post by Lane Ellis goes over trends for B2B SEO. And the insights may be helpful for other companies as well.<br />\nLearn the Top Social Media Trends for 2021<br />\nSocial media is especially effective for new businesses, since there’s no real cost to use it. But if you want to make the most of it, you need to understand the trends. If you’re not already a social media expert, listen to the advice in this Social Media Examiner post by Lisa D. Jenkins.<br />\nGet on Top of Finances for Your Blog<br />\nBlogging can be an effective strategy for new businesses. But the expenses can grow pretty quickly. Keep them under control with the tips in this Inspire to Thrive post by Lisa Sicard. Then head over to BizSugar to see what members have to say.<br />\nAsk These Questions Before Working from Home<br />\nIf you’re starting a business in 2021, there’s a good chance you’ll at least start out working from home. But not all companies and team members are well suited for remote work. To make sure yours is up to the challenge, ask the questions in this Process Street post by Oliver Peterson.<br />\nGarner Reviews That Matter to Your Potential Customers<br />\nAs you work to gather new customers for your business in 2021, reviews can go a long way. But not all reviews are actually convincing. To make an impact, read the tips in this UpCity post by Jason Randall.<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3335,1218,'_et_pb_truncate_post_date','2021-12-09 02:53:23'),(3336,1218,'_et_builder_version','VB|Divi|4.0.9'),(3337,1218,'_et_pb_show_page_creation','off'),(3338,1222,'_edit_lock','1608662013:1'),(3339,1222,'_edit_last','1'),(3340,1222,'_et_pb_post_hide_nav','default'),(3341,1222,'_et_pb_page_layout','et_right_sidebar'),(3342,1222,'_et_pb_side_nav','off'),(3343,1222,'_et_pb_use_builder','on'),(3344,1222,'_et_pb_built_for_post_type','page'),(3345,1222,'_et_pb_ab_subjects',''),(3346,1222,'_et_pb_enable_shortcode_tracking',''),(3347,1222,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1222\" /]'),(3348,1222,'_et_pb_custom_css',''),(3349,1222,'_et_pb_gutter_width','3'),(3350,1222,'_thumbnail_id',''),(3351,1222,'_et_pb_first_image',''),(3352,1222,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Why Capable People Are Reluctant to Lead</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p> </p>\n<p>“Resentment,” “competition,” and “blame”; “aggressive” and “pushy.” These are a sample of the words that respondents in our recent study associated with stepping up to lead. Despite the fact that most organizations desperately need people with leadership skills — and many employees and job candidates say that they are interested in leadership — when we asked people anonymously about pursuing opportunities to step up and lead, they often seemed reluctant.<br />\nThis lines up with many of our lived experiences: it is fairly common to see someone choose not to lead, whether it’s a capable coworker who passes up an opportunity to guide a team project, or a manager who, when confronted with a challenging situation, simply waits for things to happen instead of taking charge. Strong leadership is essential for both organizational and personal growth — so why don’t more people step up when they have the chance?<br />\nWe conducted several quantitative and qualitative studies to explore this reluctance: First, we interviewed and surveyed more than a hundred working adults, asking them to describe times when they had considered stepping up to lead but did not end up doing so. Second, we conducted a field study following more than 400 MBA students working in consulting project teams, in which we used a series of surveys to assess team members’ perceptions of the risks associated with leadership, as well as their ratings of each other’s actual leadership contributions in these projects, at several points during the semester. Finally, we surveyed approximately three hundred managers and their employees, asking about the risks they associated with leadership, as well as their assessments of their colleagues’ leadership capabilities.<br />\nThree Kinds of Risk<br />\nBased on this research, we found that there are three specific types of perceived risks that deter people from stepping up to lead:</p>\n<p>Interpersonal Risk: The first concern people mentioned over and over again was that acts of leadership might hurt their relationships with their colleagues. For example, when asked why they were hesitant to step up to lead, one respondent explained that “sometimes you don’t want to risk that friendship and hurt other people’s feelings.” Another said they were afraid that if they stepped up, other people could “start to dislike you and talk about you behind your back.” The fear of leadership harming interpersonal relationships was one of the most consistent themes we found throughout our interviews and surveys.<br />\nImage Risk: The second common concern people described was that leading might make others think badly of them. For example, one respondent said they were reluctant to lead because “I don’t want to seem like a know-it-all.” Similarly, another interviewee worried that “it can come across as a little bit aggressive, maybe, to the rest of the team members.” Despite the fact that both organizations and employees generally claim to admire leadership, people worry that actually engaging in leadership acts might make them look bad in the eyes of their peers.<br />\nRisk of Being Blamed: Finally, we found that many people were afraid that if they stepped up to lead, they would be held personally responsible if the group failed. They worried that they would be blamed for the collective failure, and that that could cost them a coveted promotion or future leadership opportunities. As one respondent explained, “If I were to dictate the work, then the potential bad results could be pinned onto me.” Another respondent expressed a similar sentiment: “If the project we were working on did not go well…as the leader, I would be blamed.” Fear of being associated with and blamed for failure is a powerful deterrent that keeps people from taking on opportunities to lead.</p>\n<p>These three perceived risks were consistent among the MBA students, managers, and employees we studied, and they had a real impact on people’s willingness to lead. When they perceived these risks, we found that MBA students were less likely to contribute leadership in their project teams, managers were seen by their subordinates as engaging in fewer leadership behaviors (such as intellectually stimulating their subordinates, identifying and articulating a vision, and setting high expectations), and employees were rated by their coworkers as exhibiting less leadership initiative. <br />\nMitigating Risk<br />\nSo what can we do to help people overcome the risks that hold them back from pursuing leadership opportunities? Below, we describe three proactive steps managers can take to mitigate these perceived risks and nurture leadership at all levels:</p>\n<p>Go the extra mile to support your more risk-sensitive colleagues. Our interviews suggest that employees who are earlier in their careers, newer to their teams, and/or of lower rank in the organization’s structure may be particularly sensitive to leadership risks. In addition, prior research has shown that minority gender or ethnic groups are also likely to be more risk-sensitive in many professional leadership contexts. To encourage these employees to push past the additional challenges they face, managers can proactively reach out to them when opportunities arise, explicitly seek their input in key meetings and projects, and publicly praise their leadership contributions in front of senior colleagues.<br />\nManage conflict — and how people interpret it. Conflict inevitably arises within teams. But we found that people are particularly likely to become discouraged by the perceived risks of leading when working on teams whose disagreements stem from relationship conflict (i.e., conflict due to differences in personality or values), rather than differences of opinion about the tasks or work processes at hand. So when conflicts arise, managers should help the group address their specific disagreements and ensure those disagreements remain about the work, instead of letting productive conflict escalate into attacks on people’s personal styles or values. When people see conflict as a search for the best idea rather than a fight between people, they are less likely to shy away from leading those people.<br />\nFind low-stakes opportunities for people to try out leadership. Finally, we found that people are more risk-averse when major career consequences are at stake. For example, when asked to take on highly visible leadership responsibilities, less-experienced leaders may worry that poor performance could damage their credibility with influential colleagues with whom they might need to work in the future, or cause them to lose out on upcoming opportunities for advancement. In cases like these, the high stakes involved can make people less willing to take on leadership opportunities.</p>\n<p>To mitigate these risks, managers can identify lower-stakes opportunities, such as a routine project with less visibility or an internal exploratory initiative with less-significant consequences, and encourage high-potential individuals to exercise their leadership muscles in these safer environments. This approach also enables people to try out different approaches to leading, reflect on what works for them, see how others react to their leadership efforts, and adjust accordingly — without worrying that their career is on the line. Then, as they build confidence and hone their leadership skills, they will be more prepared to take on higher-risk opportunities without fear of failure.<br />\nWhile the business world continues to emphasize the importance of leadership — and the rewards that come along with it — we also need to acknowledge the risky side of stepping up to lead. By recognizing the risks that potential leaders face and managing their perceptions of those risks, organizations can nurture leadership contributions from more people in more places — ultimately supporting both the organizations’ own growth and that of their people.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3353,1222,'_et_pb_truncate_post_date','2022-03-11 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id=\"1232\" /]'),(3388,1232,'_et_pb_custom_css',''),(3389,1232,'_et_pb_gutter_width','3'),(3390,1232,'_thumbnail_id',''),(3391,1232,'_et_pb_first_image',''),(3392,1232,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Best Banks of 2021</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>If you&#8217;re like most Americans, your bank lies at the heart of your personal finances. Your checking account is the place money comes in and goes out, and a savings account helps you stash funds away for an emergency or big savings goal. Choosing a bank is not always easy, and what&#8217;s best for you may be different than what&#8217;s best for someone else.<br />\nLook for the features that matter the most to you: If you&#8217;re a frequent traveler, you might want a bank that reimburses you for other banks&#8217; ATM fees. If you work for tips, then you&#8217;ll want a bank that takes cash deposits. And in the era of online banking, some institutions don&#8217;t even exist as brick-and-mortar branches, so that&#8217;s a new factor to consider. <br />\nFor many people, online banking is the primary way they manage their accounts, so you may want to look for a bank that offers bill pay, remote check deposits and basic self-service from your computer or a mobile app. Instant transfer services are another convenient feature to look for—if you want a cash-free way to send money to friends, be on the lookout for banks that offer products like Zelle, which allow you to instantly transfer funds to other accounts without an extra app (even better if you can send and receive without paying any fees).<br />\nSpeaking of which, fees are a very important thing to look for before you open a new account. Many banks charge monthly maintenance fees unless you meet specific minimum balance or activity requirements. Be on the lookout for accounts with no monthly fees so you don’t have to worry about these types of charges.<br />\nWhether you&#8217;re setting up a teen&#8217;s first checking account, or just looking for a way to up the interest rate on your nest egg, we&#8217;ve rounded up the best banks based on your potential needs and preferences. We partnered with the following banks to bring you the savings account offers in the table below. Under that, you&#8217;ll find our editors&#8217; picks for the best banks and why we chose them. All of the banks and credit unions listed are insured by the Federal Deposit Insurance Corporation or National Credit Union Administration.</p>\n<p>Best Banks of 2021</p>\n<p>Ally: Best Bank Overall<br />\nChase: Best Bank for Customer Service<br />\nWells Fargo: Best Bank for Teenagers<br />\nSimple: Best Bank for College Students<br />\nCapital One: Best Bank for Millennials<br />\nUSAA: Best Bank for Military Members<br />\nCharles Schwab Bank: Best Bank for International Travelers<br />\nCapital One Spark Business: Best Bank for Small Businesses</p>\n<p>Ally: Best Bank Overall<br />\nOur pick for the best overall bank is Ally. Ally is an online-only bank with industry-leading checking and savings account options. Due to a combination of good customer service, low fees, and high-interest rates, Ally is a winner.<br />\nAlly’s online checking account charges almost no fees and is packed with useful features. It even pays interest. For savings, Ally’s high yield account offers among the best interest rates in the industry.<br />\nAlly customers get access to online banking, mobile check deposits, up to a $10/month refund for other bank ATM fees, quick transfers with Zelle, and 24/7 customer service with access to a human.<br />\nThe only downside: like all online banks, you can’t deposit cash. If you regularly receive cash or work in a job that involves getting paid in tips, Ally probably isn’t the best choice for you. For everyone else, however, Ally offers some compelling accounts with great service.</p>\n<p>Chase: Best Bank for Customer Service<br />\nChase Bank ranked second in last year’s national J.D. Power National Bank Satisfaction Study and is one of two banks that received a perfect rating in the JDPower.com Power Circle Ratings. But for banks that operate in nearly every part of the country, Chase stands out as the best for customer service.<br />\nUnlike most of the banks on this list that have an online-only focus, Chase offers one of the biggest networks of branch locations in the United States with over 5,000 locations. And due to its size, Chase offers accounts for pretty much everyone. That includes checking, savings, mortgage, credit card, and investment accounts.<br />\nChase is one of a few financial institutions that really let you do all of your banking under one roof, and that helps simplify your banking experience (a plus for many banking customers).<br />\nThe biggest downside of Chase is that, like most large brick-and-mortar banks, it charges a lot of fees and offers pitifully low-interest rates on savings accounts. But if you keep a certain minimum balance or meet activity requirements, you can avoid most fees.<br />\nWant to learn more? Check out our full review of Chase Bank.</p>\n<p>Wells Fargo: Best Bank for Teenagers<br />\nTeens are in a position to learn important lessons that can influence their long-term financial well being — and it starts with learning how to responsibly use a bank account. That requires access to a bank branch, a big network of ATMs, and a good place to keep money from part-time jobs.<br />\nWells Fargo has certainly found itself in the midst of multiple scandals recently, but it still stands out as the best bank for teens thanks to its 6,000 branches and 13,000 ATMs.<br />\nTheir teen checking account requires a $25 opening deposit, but has no monthly fee. However, beware of overdraft and other fees once you open the account. While it is a great account for new learners, it is still a real bank account with real fees.<br />\nYou can also read our full review of Wells Fargo.</p>\n<p>Simple: Best Bank for College Students<br />\nCollege students can easily fall into the trap of poor financial decisions, whether it&#8217;s racking up big credit card debt or student loans without a full understanding of the consequences.<br />\nSimple is great for college students because it has budgeting built into its online and mobile banking apps. It also doesn&#8217;t charge any fees. (Really!) The only fee you might pay is for using an ATM outside of the 40,000 ATMs in the Allpoint network and a small fee from Visa when using your debit card outside of the United States.<br />\nFor digital natives, the mobile-first banking experience is easy to navigate and very user-friendly. And the goal-setting and safe-to-spend features should keep even distracted college students out of financial trouble.<br />\nWant some more information? Read our full review of Simple.</p>\n<p>Capital One: Best Bank for Millennials<br />\nCapital One 360 Checking and 360 Savings are both best-in-class accounts. Low fees, good interest rates, and a focus on a high-tech experience all make Capital One a top overall bank, and our number one pick for millennials. This bank was also our runner-up for the best bank overall, so it may be a good choice beyond the millennial demographic.<br />\nIf you have an overdraft, you can choose to have it funded from a linked account or turned down automatically for no fee. This bank also offers free ATM use at Allpoint and Capital One ATMs. And, like the 360 Checking account, 360 Savings offers among the best interest rates in the industry with no minimum balance or activity requirements. If you hate fees and want a bank account that just works, Capital One is a good choice.</p>\n<p>USAA: Best Bank for Military Members<br />\nWhat started as the United Services Automobile Association is now the best bank in the country for military families and veterans. Because military members are likely to move often and have some unique needs and challenges, going to a military-specific bank may be a smart choice, particularly for anyone on active duty.<br />\nUSAA also offers very good insurance, so if you do become a member for banking, don’t overlook options for home, auto, and other insurance you may need. You may be able to get a better policy at a better price than non-military can elsewhere.<br />\nFor banking, USAA offers a range of checking and savings accounts to meet your needs. The basic free checking has no monthly fees or minimum balance requirements. Accounts also include some of the latest online banking features including mobile deposits, mobile wallet support, and fast transfers with Zelle.</p>\n<p>Charles Schwab Bank: Best Bank for International Travelers<br />\nCharles Schwab is best known for its brokerage business, but this finance company does a lot more than stocks and bonds. Charles Schwab offers a full-featured online bank complete with checking and savings account options.<br />\nSchwab Bank is convenient for anyone with an existing Schwab relationship, but the checking account offers a big draw to anyone who loves to travel. Charles Schwab charges no ATM fees and reimburses all other bank ATM fees from anywhere in the world. You can use your card in New York or New Delhi without paying any fees.<br />\nSchwab Bank accounts charge no monthly fees and low fees for some irregular activity like sending a wire. Unlike most online banks, you can also visit any Schwab branch to deposit a check (although with mobile deposit, you probably won’t need to visit a branch).<br />\nSchwab is a top-rated low-fee brokerage as well, and a linked brokerage account is required to open an Investor Checking account. With the amazing customer service and a good selection of account options, you may want to consolidate all of your banking and investing under the Schwab umbrella.<br />\nYou can also read through our full review of Charles Schwab Bank. </p>\n<p>Capital One Spark Business: Best Bank for Small Businesses<br />\nBusiness bank accounts tend to come with far more fees than personal accounts, but Capital One Spark Business changes that. Spark Business offers checking and savings accounts for businesses with almost no fees for its online banking.<br />\nThere have been some known bugs in the signup process, so new checking accounts are temporarily suspended. Right now it is new savings only. But they should be re-opening new checking accounts any time, so keep an eye out regarding those changes. </p>\n<p>What Are the Different Types of Banks?<br />\nBanks include many types of financial institutions. The most popular types of banks include: </p>\n<p>Central banks<br />\nCommercial banks<br />\nRetail banks<br />\nInvestment banks<br />\nPrivate banks<br />\nCredit unions<br />\nOnline banks</p>\n<p>When most people refer to banks, they think of retail banks or credit unions, which both specialize in targeting consumers for their personal finance needs. At these types of banks, consumers can keep their money safe, save for a specific purpose, get financial advice, and apply for loans. </p>\n<p>What Services Does a Bank Offer?<br />\nThe services a bank offers depends on the type of bank. A bank may offer anything from an account to keep your money secure to a loan to buy a car or a house. If you’re looking to invest in financial instruments like stocks, you’ll need an investment bank. If you’re a business owner looking to get a loan or an account for your business, you’ll need to find a commercial bank. </p>\n<p>How Do I Decide What Bank to Use?<br />\nChoosing the right bank for you depends on what type of bank you need. Once you know you’re looking for a retail bank, for example, then you’ll need to find one that is convenient to you, has the experience to service your specific needs, and has a history of successful money management. It’s important to feel confident in the bank you’re working with. You should also consider the interest rates on any products you’re interested in. If you’re looking for a CD, compare CD rates to help you decide which bank to work with.  </p>\n<p>How Much Do Bank Services Cost?<br />\nBank services are typically affordable. For an individual opening a checking or savings account, you may pay a monthly fee, but many banks waive the fee if you meet criteria like maintaining a set account balance. For services like depositing a check or withdrawing funds, there’s no additional fee at most institutions. <br />\nIf you need a loan, shop several banks to find the bank offering the lowest interest rates and fees. Most traditional bank services are included when you open an account of any kind at a bank. </p>\n<p>How We Chose the Best Banks<br />\nWe looked at over two dozen of the best banks nationwide and narrowed the list down to the best eight based on several factors and services. The factors that helped us decide on the best included the experience of the bank, the services each offers, how much their fees are, what the APY (Annual Percentage Yield) is on a standard checking and savings account, and the account minimums to earn interest. Most of the best banks have no minimum balance requirement and have an APY above 0.30%. <br />\nTo read the full article, click here.</p></div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3393,1232,'_et_pb_truncate_post_date','2021-12-09 02:53:22'),(3394,1232,'_et_builder_version','VB|Divi|4.0.9'),(3395,1232,'_et_pb_show_page_creation','off'),(3396,1239,'_edit_lock','1623867283:1'),(3397,1239,'_edit_last','1'),(3398,1239,'_et_pb_post_hide_nav','default'),(3399,1239,'_et_pb_page_layout','et_right_sidebar'),(3400,1239,'_et_pb_side_nav','off'),(3401,1239,'_et_pb_use_builder','on'),(3402,1242,'_wp_attached_file','2021/03/Capture.jpg'),(3403,1242,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:494;s:6:\"height\";i:397;s:4:\"file\";s:19:\"2021/03/Capture.jpg\";s:5:\"sizes\";a:7:{s:6:\"medium\";a:4:{s:4:\"file\";s:19:\"Capture-300x241.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:241;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:19:\"Capture-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:19:\"Capture-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:19:\"Capture-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:19:\"Capture-494x382.jpg\";s:5:\"width\";i:494;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:19:\"Capture-400x397.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:397;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:19:\"Capture-480x386.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:386;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:4:\"Drax\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:10:\"1616468983\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(3404,1239,'_et_pb_built_for_post_type','page'),(3405,1239,'_et_pb_ab_subjects',''),(3406,1239,'_et_pb_enable_shortcode_tracking',''),(3407,1239,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1239\" /]'),(3408,1239,'_et_pb_custom_css',''),(3409,1239,'_et_pb_gutter_width','3'),(3410,1239,'_thumbnail_id',''),(3411,1239,'_et_pb_first_image',''),(3412,1239,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">7 Habits to Help You Stay On Top of Your Finances</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;<br />\n <br />\nIf you struggle with staying on top of your finances and managing your debts, you are not alone. Whether you need to dig yourself out of extreme debt or you simply want to become more financially responsible, you should consider implementing these seven tips to help you stay on top of your finances.<br />\nAutomate Your Savings<br />\nSaving money is one of the most difficult challenges people face. When that direct deposit reaches your checking account, it can be tempting to spend more than you should.<br />\nFor this reason, you should set up automatic monthly transfers to your savings account. Consider how a percentage of your paycheck is automatically deducted for taxes. You don’t miss this money because you never saw or touched it. Automating your savings has the same effect—you will be far less tempted to spend money that never shows up in your checking account.<br />\nSome financial apps, like Chime, make this even easier by allowing you to automatically transfer a percentage of each deposit directly to your savings account.<br />\nCreate an Emergency Fund<br />\nLife can be full of surprises—some worse than others. If your home is damaged by something not covered by your insurance, you get into a car accident, you have an unexpected medical emergency or any number of other incidents, you could end up in serious financial trouble.<br />\nAs a result, it’s never a bad idea to set up an emergency fund to help cover unexpected expenses. A good rule of thumb is to try to save up at least three months’ worth of living expenses. Once this money has been set aside, be sure not to touch it for anything other than an emergency, no matter how tempting it might be.<br />\nStick to a Realistic Budget<br />\nThe most important aspect of developing healthy financial habits is to create and stick to a realistic budget.<br />\nYou should be sure to:</p>\n<p>Calculate your income<br />\nQuantify your necessary expenses<br />\nMake a plan for your leftover money<br />\nCut out unnecessary spending</p>\n<p>Consider using apps like Mint or PocketGuard to help create a reasonable budget.<br />\nCut Out Unnecessary Expenses<br />\nNearly everyone can trim their monthly expenses by identifying and cutting out unnecessary expenses. Especially if you are using credit cards or personal loan companies, like Affirm, to pay for things you can’t afford, you should take a look at those expenses and cut them out. This could include a variety of spending categories, such as:</p>\n<p>Streaming services that you do not use regularly (i.e., Netflix, Hulu, HBO, etc.)<br />\nEating out<br />\nOverspending on groceries and clothes<br />\nGym memberships</p>\n<p>These expenses, among others, can add up to well over $100 per month that would be better off being put toward your debts.<br />\nInvest in a Retirement Fund<br />\nInvesting in a retirement fund is one of the best things you can do while you’re still working. This is another habit that many young professionals avoid, as they would rather hang onto their money. However, you will surely be glad you decided to invest in yourself once you grow older.<br />\nThere are several retirement plans to choose from, so be sure to do your research and find which one best suits your needs. Additionally, you should talk to your employer about retirement options, as many companies offer 401(k) matching.<br />\nPay Off Credit Cards Every Month<br />\nCredit cards should be used with the intention of paying off the balance before interest accrues. However, many Americans will leave a balance on their credit cards for several months to several years. What makes this worse is that credit card companies typically charge very high interest rates.<br />\nCredit cards do not need to be avoided altogether, though, as many of them offer incredible benefits such as cash rewards and airline miles. However, one of the most basic principles of financial responsibility is to pay off your credit card balance in full every month.<br />\nMake a Plan to Pay Off Your Debt<br />\nA good rule is to treat your credit cards the same way as a debit card. Only spend money that is currently available to you unless it is an absolute emergency.<br />\nOnce you have established good financial habits to help you avoid accumulating additional debt, you should create a plan to pay off your existing debts.<br />\nOne common method is the snowball method. The snowball method suggests that you should pay off your smallest debts first before moving on to larger ones. This tends to motivate you to continue paying off your debts as you feel satisfaction from getting rid of your smaller balances.<br />\nAnother option is to target your high-interest debts. This can help you save the most money in the long-run and is ideal for individuals who don’t need the additional motivation provided by the snowball method. Others use a debt consolidation loan to lower their interest rate and pay less on the debt over time.<br />\nWhichever method you choose, be sure that you can stick to it for the longterm.<br />\nManaging your finances can be quite difficult and stressful. These seven financial literacy tips are great options to help you trim your debts and stay on top of your finances.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3413,1239,'_et_pb_truncate_post_date','2021-06-02 13:22:00'),(3414,1239,'_et_builder_version','VB|Divi|4.0.9'),(3415,1239,'_et_pb_show_page_creation','off'),(3416,1244,'_edit_lock','1616440621:1'),(3417,1244,'_edit_last','1'),(3418,1244,'_et_pb_post_hide_nav','default'),(3419,1244,'_et_pb_page_layout','et_right_sidebar'),(3420,1244,'_et_pb_side_nav','off'),(3421,1244,'_et_pb_use_builder','on'),(3422,1244,'_et_pb_built_for_post_type','page'),(3423,1244,'_et_pb_ab_subjects',''),(3424,1244,'_et_pb_enable_shortcode_tracking',''),(3425,1244,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1244\" /]'),(3426,1244,'_et_pb_custom_css',''),(3427,1244,'_et_pb_gutter_width','3'),(3428,1244,'_thumbnail_id',''),(3429,1244,'_et_pb_first_image',''),(3430,1244,'_et_pb_truncate_post',''),(3431,1244,'_et_pb_truncate_post_date',''),(3432,1244,'_et_builder_version','VB|Divi|4.0.9'),(3433,1244,'_et_pb_show_page_creation','off'),(3434,1248,'_edit_lock','1650928999:1'),(3435,1248,'_edit_last','1'),(3436,1248,'_et_pb_post_hide_nav','default'),(3437,1248,'_et_pb_page_layout','et_right_sidebar'),(3438,1248,'_et_pb_side_nav','off'),(3439,1248,'_et_pb_use_builder','on'),(3440,1251,'_wp_attached_file','2021/03/mon.jpg'),(3441,1251,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:894;s:6:\"height\";i:446;s:4:\"file\";s:15:\"2021/03/mon.jpg\";s:5:\"sizes\";a:8:{s:6:\"medium\";a:4:{s:4:\"file\";s:15:\"mon-300x150.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:15:\"mon-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:15:\"mon-768x383.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:383;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:15:\"mon-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:15:\"mon-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:15:\"mon-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:15:\"mon-400x446.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:446;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:15:\"mon-480x239.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:239;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:4:\"Drax\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:10:\"1616549250\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(3442,1248,'_et_pb_built_for_post_type','page'),(3443,1248,'_et_pb_ab_subjects',''),(3444,1248,'_et_pb_enable_shortcode_tracking',''),(3445,1248,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1248\" /]'),(3446,1248,'_et_pb_custom_css',''),(3447,1248,'_et_pb_gutter_width','3'),(3448,1248,'_thumbnail_id',''),(3449,1248,'_et_pb_first_image',''),(3450,1248,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">&nbsp;<br />\n4 Ways an Entrepreneur Should Diversify Their Income</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"> </p>\n<p>&nbsp;<br />\nThe Office for National Statistics figures, released in December, state that “the number of payroll employees has fallen by 819,000” since February 2020. While these figures were front-loaded, the prime minister and expert commentators expect the overall COVID-19  situation to worsen before it gets better. It will be some time before the vaccination program has enough coverage to release the restrictions, and that is if the virus does not mutate to nullify the vaccines’ efficacy.<br />\nThe above figures do not capture sole traders and SMEs&#8217; picture without a payrolled workforce. In addition, with schools closed, for the time being, maintaining 9-5 working hours whilst at home proves problematic, particularly for parents expected to supervise their children’s learning.  Therefore, traditional working models are under increasing pressure, and we can expect no return to ‘normal’ even after widespread vaccination. What does this mean for future income streams?<br />\nFinancial ‘survival of the fittest’<br />\n“It is not the strongest of the species that survives, … It is the one that is most adaptable to change.”<br />\nThis quote is often attributed to Charles Darwin. It is actually a paraphrase of Darwin’s ‘Origin of Species’ by Leon Megginson (Professor of Management and Marketing, Louisiana State). That the phrase comes from a management context is not surprising as it perfectly captures the entrepreneurial spirit with which we should face these uncertain times.<br />\nMany people day-dream, amidst the drudgery of a mundane 9-5 job, starting a business or applying a creative skill to a profitable side hustle. Perhaps people are watching your pension situation and realizing the state pension really is not sufficient, and you need another income stream. Most have fancied a passive income stream. Now is the time, especially if you are one of the 819,000 recently unemployed or if you want to financially benefit from your additional time due to lost leisure activities or released from your dead-time commute.<br />\nIf your income streams are successfully adapted to change or sufficiently diversified to mitigate the risk of change, you will not only economically survive but potentially flourish in this pandemic.<br />\nIt is frequently written that one of the defining characteristics of millionaires is that they have multiple income streams. This is largely true, of course. However, in the pop-culture presentation of this statement, the implication is that you too can be a millionaire so long as you have a second stream of income. Sorry, but it isn’t that simple. What it does mean is that the mindset of a millionaire is not ‘What do I need to do to get the money?’ but rather ‘How can I use money innovatively to work for me.’ Further, by diversifying one’s income streams, one can benefit from favorable tax arrangements rather than facing an ever-increasing Income Tax bill, and that financial risk is mitigated.<br />\nIncome streams can be created in various ways. Many can work in conjunction with others, and some are more easily automated than others to provide a passive income stream.<br />\nDiversification is key<br />\nAs an investor and multiple business owner, I cannot push diversification enough. Make sure your eggs are not all in the same basket. This goes for investing in the stock market, becoming an entrepreneur, or even on the very basic scale selling products. Having your financial risk spread across multiple streams and increases your financial stability and longevity if one of those streams were to turn out a failure. Take your time and research into ETFs, Tracker Funds, Blue Chip Stocks &amp; Property Crowd Funding projects.<br />\nStarting a side income<br />\nAn online business can easily be developed during this period of time, and many ideas can be implemented with limited or no start-up costs or ongoing overheads. Services delivered online are the most obvious and COVID secure options. These side businesses can vary from dropshipping or start even smaller with freelance sites for small jobs like Fiverr.<br />\nUtilize your network<br />\nBuilding business relations takes time and trust. Start with people who you know within your network. These individuals are more likely to give you a try because they know you personally. In this day and age, social media is booming. It&#8217;s now easier than ever to reach out to people on social media, especially Instagram. Spending time networking on social media is key to growing your brand recognition and gaining customers.Manage Your Debt<br />\nBetween having a 9-5 job to maintain and starting not only your side business but spending time on your branding and networking across social media, all whilst maintaining your available cash and outgoings, can somewhat be stressful at times. Lowering your debt is key to growing as an entrepreneur; the above points will definitely assist with this. However, for extra help and a somewhat hands-off approach, I love to use tools such as Moneybox, which is a clever app that allows you to round up those purchases you make on your card to the nearest whole number. These pennies can then be added to my first point of financial investments via the app in a simple, hands-off approach. Another great tool that can be used to save money to lower those debts would be utilizing the likes of Monzo Bank, which allows saving pots to put aside a certain amount of money each month, all whilst monitoring your outgoings and incoming payments in a smart manner. All automated, allowing me to focus all my attention on my core side businesses.<br />\nEntrepreneurs who have mastered the above methods to diversify their income are on the road to becoming a successful entrepreneur.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3451,1248,'_et_pb_truncate_post_date','2022-03-11 11:03:09'),(3452,1248,'_et_builder_version','VB|Divi|4.0.9'),(3453,1248,'_et_pb_show_page_creation','off'),(3457,1259,'_edit_lock','1617392835:1'),(3458,1259,'_edit_last','1'),(3459,1259,'_et_pb_post_hide_nav','default'),(3460,1259,'_et_pb_page_layout','et_right_sidebar'),(3461,1259,'_et_pb_side_nav','off'),(3462,1259,'_et_pb_use_builder','on'),(3463,1259,'_et_pb_built_for_post_type','page'),(3464,1259,'_et_pb_ab_subjects',''),(3465,1259,'_et_pb_enable_shortcode_tracking',''),(3466,1259,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1259\" /]'),(3467,1259,'_et_pb_custom_css',''),(3468,1259,'_et_pb_gutter_width','3'),(3469,1259,'_thumbnail_id',''),(3470,1259,'_et_pb_first_image',''),(3471,1259,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">The Hidden Toll of Remote Work</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;</p>\n<p>At the end of January, I went back to teaching my students in person for the first time in 10 months. It was only two days a week, and an hour and a half at a time. We were all avoiding contact and wearing masks, so normal human interaction was almost nonexistent. But for me, it was like springtime in Paris. I started sleeping better; my mood improved; I became more energetic and optimistic.<br />\nBetween one-third and one-half of American employees worked in person throughout the pandemic, with or without a say in the matter, and some at great personal risk. Most of the rest of us were forced to work from home, also without necessarily wanting to. And in fact, almost two-thirds of people in a poll last fall felt that the cons of working from home outweighed the pros, and nearly a third said they had considered quitting their jobs since being banned from the workplace. In another poll, about 70 percent said that mixing work and other responsibilities had become a source of stress, and about three in four American workers in the early days of the pandemic confessed to being “burned out.”</p>\n<p>So while some people are understandably nervous about returning to their workplace, many are having an experience more like mine. My friends and colleagues who have returned to a physical office and seen others—even in a limited capacity—have told me that returning made them realize how isolated they had become during the pandemic, and the burden of stress they had been carrying, even if they faced no job threat or major health risk.<br />\nSome employers, however, have realized that several of the pandemic’s workarounds are cost-efficient, and are considering making them permanent. There are many corporate leaders who still recognize that, in Microsoft CEO Satya Nadella’s words, “digital technology should not be a substitute for human connection.” But in what we might call a “Zoom forever” move, many other companies are contemplating radically downsizing traditional office spaces and making remote work permanent for large groups of employees.<br />\n <br />\nThe problem is, if millions of people never “go back to work” in a way that resembles the pre-pandemic world, it could have drastic consequences for our well-being. There’s nothing wrong with a partially remote situation—say, work-from-home Fridays or more flexible schedules. But going fully remote forever could exacerbate one of the worst happiness disasters of the pandemic.<br />\nRemote work does have some happiness benefits, and not just for employers looking to cut office costs. For people living in or near congested cities, for example, commuting is time-consuming and soul-crushing; it is near the top of daily activities that stimulate unhappiness.<br />\nHowever, aggravation from commuting is no match for the misery of loneliness, which can lead to depression, substance abuse, sedentary behavior, and relationship damage, among other ills. And it is simply undeniable that remote work usually leads to loneliness. In research conducted more than a decade before the pandemic about remote work among journalists, the organizational psychologist Lynn Holdsworth found that full-time telework increased loneliness over office work by 67 percentage points. Based on data from 2019, the 2020 State of Remote Work report issued by the social-media management firm Buffer showed that loneliness is the biggest struggle remote workers say they face, tied with problems of collaboration and communication.</p>\n<p>Work is where many people have the bulk of their social interactions. In a recent survey, 70 percent of employees said friendship at their job is the most important element of a happy work life. Research shows that employees say a co-located office environment is where they establish not just work collaborations but also their social ties.<br />\n </p>\n<p>Employers intent on abandoning the physical office might respond that the pandemic has led to a proliferation of potentially loneliness-easing communication technologies. Few of us had ever used Zoom before the lockdowns; now, many of us see our colleagues every day on the platform for hours at a time. It’s not like we are incommunicado.</p>\n<p>But when it comes to happiness, these technologies are not a good substitute for in-person interaction. In the first study to examine the effects of Zoom since the pandemic’s onset, psychologists at the University of California at Los Angeles and the University of Cambridge surveyed 119 young adults on their mental health and found that “there was no association between the frequency of virtual social interactions and well-being.”</p>\n<p>That leaves us with the conclusion that while remote technologies might be a necessary substitute for in-person work during the pandemic, they are inadequate to meet our human need for contact. Researchers have already found “large increases in depressive symptoms, and large decrements in happiness and social satisfaction post-pandemic onset.” If we are complacent about going back to work, “Zoom forever” could escalate our epidemic of loneliness.<br />\n </p>\n<p>And if it does, the consequences will most likely sneak up on us. Mental-health professionals believe that distress can build up over time without our conscious awareness. I found that the effects of isolation had crept in, depressing my mood and hampering my creativity in a way I didn’t recognize until I experienced the lightness and energy that came from human interaction. A highly contagious respiratory illness is certainly a health crisis. But it’s important to remember that, unremarked on and unchecked, loneliness could lead to a major crisis in mental and physical health, too.</p>\n<p>No matter how employers dress up fully remote work as a perk, workers will primarily pay the price—overtly in terms of home-office expenses, but especially covertly, in psychological costs—and should fight the trend. If given the choice, you should fight the torpor that comes from having to put on pants for work, and work at least a day every week in the office. Ideally, you should go in even more: Research suggests that the benefits of remote work start to plateau after only about 15 hours a week. If the office permanently closes, consider whether your employer has your best interests at heart, and if you can, think about moving to another company.<br />\nThis doesn’t necessarily mean that everyone needs to be at their desks 40-plus hours a week. In Australia, for example, trade unions set a standard of companies guaranteeing two-fifths of a workweek in the office to protect remote workers from problems of isolation. Whether more or less than this is the ideal level, having no office time at all is clearly an error.</p>\n<p>Avoiding this error is in employers’ interest as well, because loneliness over the long run wreaks havoc in the workforce. Research demonstrates that loneliness can drive employee burnout and turnover, which makes perfect sense given that friendship at work is a big part of a job’s true compensation. Making workers lonely is like gradually lowering their salaries: What might seem like a smart efficiency move could turn into a massive human-resource headache in relatively short order.</p>\n<p>None of this should come as a shock to us. In his Politics, Aristotle claimed, “A man who is incapable of entering into partnership, or who is so self-sufficing that he has no need to do so … must be either a lower animal or a god.” And this is a well-documented scientific truth, not just a philosophical one. To isolate ourselves from others is aberrant to our nature, and makes thriving impossible. We are social animals, not made to live and work in isolation.<br />\nAn unhappiness epidemic in the wake of the coronavirus pandemic is a real threat. That’s the bad news. The good news is that it is both predictable and avoidable. But the longer we continue to self-isolate, the more likely we are to experience a downshift in our collective happiness.</p>\n<p>&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3472,1259,'_et_pb_truncate_post_date','2022-03-11 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id=\"1276\" /]'),(3517,1276,'_et_pb_custom_css',''),(3518,1276,'_et_pb_gutter_width','3'),(3519,1276,'_thumbnail_id',''),(3520,1276,'_et_pb_first_image',''),(3521,1276,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Best Budgeting Apps</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;<br />\nManage your money with these budgeting apps</p>\n<p>Most people would prefer to spend less and save more, but the day-to-day reality of work, family life, and other commitments makes it impractical, if not seemingly impossible. Let’s face it, it’s tough to find the time or motivation for budgeting, and some folks skip it altogether.<br />\nFor these and many other reasons, budgeting apps have become increasingly popular over the past decade. This software makes it easier to monitor your spending and saving habits by linking accounts to an application and tracking your cash flow. These apps, free or paid, offer a range of features to improve your finances.<br />\nWe reviewed 15 of the best budgeting apps on the market to find the best options for new or experienced budgeters. We compared cost, functionality, features, security, reviews, and more. These are the best options to improve your budget.</p>\n<p>The 6 Best Budgeting Apps of 2021</p>\n<p>Best Overall: You Need a Budget (YNAB)<br />\nBest Free Budgeting App: Mint<br />\nBest for Cash Flow: Simplifi by Quicken<br />\nBest for Overspenders: PocketGuard<br />\nBest for Building Wealth: Personal Capital<br />\nBest for Couples: Zeta</p>\n<p>BEST OVERALL <br />\nYou Need a Budget (YNAB)</p>\n<p>You Need a Budget, or YNAB, earns the top spot because of the company’s renowned budgeting philosophy and reputation. YNAB says new budgeters typically save $600 in their first two months and more than $6,000 in their first year. Although YNAB is the most costly option on our list, the company offers a 34-day free trial and a 100% no-risk, money-back guarantee.</p>\n<p>Pros</p>\n<p>Complete budget makeover</p>\n<p>Free 34-day trial</p>\n<p>100% money-back guarantee</p>\n<p>Strong customer service and comprehensive education</p>\n<p>Cons</p>\n<p>$84 per year</p>\n<p>More time-intensive to learn</p>\n<p>Recent sync issues</p>\n<p>YNAB rises to the top of our list because of its budgeting philosophy and money-back guarantee. The company offers a free trial for 34 days (no credit card required) and after that, the cost is $84 per year. If you prefer to pay less upfront, the cost is $11.99 per month.<br />\nYNAB offers the ability to sync your bank accounts, import your data from a file, or manually enter each transaction. To begin, the company suggests learning the basics about the app through video courses, a live workshop, or reading a guide. YNAB offers a proactive budgeting approach, rather than tracking what you have already spent, like some competitors.<br />\nAfter signing up, you create your first budget and assign every dollar a purpose, like your rent or car payment, for example. The goal is to eventually get at least one month ahead, so you’re spending money you earned from 30 days ago. The company offers extensive educational resources and customer support to keep you on track.   <br />\nYNAB says privacy and security are its top priority. The company protects your information by using bank-level encryption for all data, best practices for password security, third-party audits, and more.</p>\n<p>BEST FREE BUDGETING APPMint</p>\n<p>Mint stands out for a few reasons. It’s one of the most popular budgeting apps available, with over 25 million users. The app is free and easy to use for budgeters of all levels. You can also set up bill payment reminders, track investments, and access your TransUnion credit score—all of which makes Mint our choice for best free budgeting app.</p>\n<p>Pros</p>\n<p>Free budgeting app</p>\n<p>Free TransUnion credit scores</p>\n<p>Investment tracking</p>\n<p>Cons</p>\n<p>In-app product advertisements</p>\n<p>Some complaints about technical issues</p>\n<p>Spending categorization could be better</p>\n<p>Mint offers the best-known free budgeting app on the market. It’s a great option for anyone looking to improve their spending habits. The app is free but you may see targeted financial product advertisements. <br />\nYou may sync your financial accounts within the app or manually add transactions. Mint allows you to see all your accounts in one place and keep track of your spending on a daily basis. The app automatically organizes your spending, so you can see totals by category at a glance. Mint also offers monthly bill tracking, including payment reminders to avoid late fees. The app also offers the ability to keep track of your investments and check portfolio fees. Mint offers a few education resources like a home affordability calculator, loan repayment calculator, and blog with a variety of personal finance topics. <br />\nMint protects your data through features like security scanning with Verisign, multi-factor authentication, and touch ID mobile access. The company stores your login information in a separate database with multiple layers of hardware and software encryption.</p>\n<p>BEST FOR CASH FLOWSimplifi by Quicken</p>\n<p>Simplifi by Quicken earns high marks because it offers a personalized spending plan with real-time updates of how much you have left to spend throughout the month. The app syncs your bank accounts to show you where you stand and your progress on financial goals. Simplifi by Quicken also tracks your monthly bills and subscriptions, including those you don’t use.</p>\n<p>Pros</p>\n<p>Strong cash flow tools</p>\n<p>Watch lists for mindful spending</p>\n<p>Free 30-day trial</p>\n<p>Cons</p>\n<p>$35.99 per year</p>\n<p>Some complaints about technical issues</p>\n<p>Simplifi by Quicken ranks best for cash flow because of the app’s effective tracking capabilities. It’s the best option for staying on top of how much you can spend between your paychecks. The app offers a free 30-day trial and then you will pay $2.99 per month (billed annually at $35.99) or $3.99 per month if you choose not to pay upfront.<br />\nTo get started, you have to sync bank accounts, and then you will have a complete snapshot of your finances. The app automatically categorizes your spending, tracks recurring bills and subscriptions, and stays on top of upcoming expenses. <br />\nOne standout feature is the app’s custom watchlists, which allow you to limit spending by category or payee. Also, the custom spending plan monitors cash flow to make sure you never spend more than you make. Simplifi by Quicken offers tips while you’re using the app, but there’s also a blog full of educational content at your fingertips. <br />\nSecurity and privacy are top priorities for Quicken, the app’s parent company. Quicken has been trusted with sensitive financial data for decades (since 1985) and continues to work on new security measures. The app uses 256-bit encryption to transmit banking data and keeps the information confidential.</p>\n<p>BEST FOR OVERSPENDERSPocketGuard</p>\n<p>PocketGuard made the cut because the app helps curb overspending. The company uses an algorithm to track your income, expenses, and savings goals to tell you how much you can spend every day. These spending limits make it easier to quit overspending and take control of your financial goals.</p>\n<p>Pros</p>\n<p>Free basic budgeting app</p>\n<p>Cash flow at a glance</p>\n<p>Easy to use</p>\n<p>Cons</p>\n<p>PocketGuard Plus has a cost</p>\n<p>No phone support</p>\n<p>Some complaints about technical issues</p>\n<p>PocketGuard earned the top spot as best for overspenders because its features focus on helping users take control of overspending. The app offers a free and a paid, premium version, PocketGuard Plus.<br />\nTo get started you need to connect your checking, savings, and credit card accounts. The app can see what you are spending, where to save, and reminds you when credit card bills are due. PocketGuard&#8217;s &#8220;In My Pocket&#8221; feature uses an algorithm to identify how much money you can spend based on your income, upcoming bills, goals, recent spending, and budgets. <br />\nThe app offers a smart bill reminder to keep track of due dates and shows where you may be able to negotiate for lower bills. There’s also an automated savings feature, which allows you to set a goal and save for it. PocketGuard automatically moves the money to an FDIC-insured bank account on your behalf.<br />\nPocketGuard Plus offers additional features like creating your categories, changing transaction dates, the ability to export data, tracking cash, managing ATM deposits and withdrawals, and splitting up transactions. The company also publishes an educational blog for additional opportunities to learn. <br />\nPocketGuard prioritizes security with 256-bit encryption, a four-digit PIN, and biometrics like Touch ID and Face ID as another layer of protection.</p>\n<p>BEST FOR BUILDING WEALTHPersonal Capital</p>\n<p>Personal Capital scores high because the company offers the best free tools for wealth building. You can sync your financial accounts in one place to track your net worth, plan for the future with the Retirement Planner, and use the Fee Analyzer to check portfolio fees.</p>\n<p>Pros</p>\n<p>Free wealth management app</p>\n<p>Retirement Planner tool</p>\n<p>Education Planner tool</p>\n<p>Net worth tracking</p>\n<p>Fee Analyzer tool for your portfolio</p>\n<p>Cons</p>\n<p>Less focused on budgeting</p>\n<p>No option to manually add transactions for budgeting</p>\n<p>Sales calls for wealth management services</p>\n<p>Personal Capital lands at the top of our list with the best app for building wealth. You can use the product’s dashboards to sync accounts for a complete picture of your finances. The company’s primary app is free, with the option to add investment management services for 0.89% of your money for accounts under $1 million.<br />\nUnfortunately, Personal Capital doesn’t allow you to manually add budgeting transactions, but you can manually add investments without syncing those accounts. You can use Personal Capital’s budgeting tools to see your total income and expenses every month. While you can’t create specific goals, you can add a budget, compare to previous months, and see your spending by categories. <br />\nAlthough the company’s budgeting features aren’t as comprehensive as others, Personal Capital does offer better investing tools. You can use the dashboard to see changes to your net worth over time, and Personal Capital’s Fee Analyzer gives you a closer look into your portfolio fees. You may also prepare for the future with the company’s Retirement Planner tool or save for college with the Education Planner tool. Personal Capital’s blog, Daily Capital, covers a range of financial planning topics for beginners to more experienced users alike.   <br />\nPersonal Capital protects your data with encryption, fraud protection, and robust authentication. No one has access to your individual login credentials, and the company’s partnership with Yodlee, a veteran financial technology company, offers another layer of security.</p>\n<p>BEST FOR COUPLES Zeta</p>\n<p>Zeta is one of the few free budgeting apps designed specifically for couples, joint finances or not. The app caters to all types of couples, including those who are living together, engaged, married, or new parents. You can sync various accounts to track spending, see your net worth, and manage bills together.<br />\nYou can also sign up for a joint no-fee banking account and cards with features like early access to direct deposit, digital checks, access to the MoneyPass ATM network, contactless payments, and bill pay. All of these enhanced features make Zeta our choice as best for couples.</p>\n<p>Pros</p>\n<p>Free budgeting app and no-fee joint bank account</p>\n<p>Designed for all types of couples</p>\n<p>Features like early direct deposits, contactless payments, and bill pay</p>\n<p>Cons</p>\n<p>Low APY for joint account</p>\n<p>In-app product recommendations</p>\n<p>Zeta earns a spot on our list because the free budgeting app caters to all types of couples. The product also offers a free joint bank account to manage spending and paying bills together. Zeta’s Money Manager app and Joint Cards are free, but the company may offer paid services in the future. <br />\nThe Zeta Money Manager app allows you to sync accounts or manually add data for a shared view of your finances. The app can create budgets, track spending, set up joint goals, and manage bills. A few standout features include sharing controls, shared and personal budgets, bill reminders, and more. Zeta offers monthly insights on your finances and how you can make improvements. Zeta’s Money Date Mag, an online publication covering love and money in the modern age, includes articles to boost your financial knowledge.<br />\nThe Zeta Joint Cards offer bank account access with FDIC insurance through LendingClub Bank, no monthly fees or minimums, and 0.14% APY. The account provides special features like early direct deposits, contactless payments, and bill pay. The company uses state-of-the-art, bank-level security to keep your data safe. They don’t store your financial logins, and the company uses two-factor authentication and data encrypted databases.</p>\n<p>FAQs<br />\nWhat Are Budgeting Apps? <br />\nA budgeting app is a software application that you may access from your computer, tablet, or mobile device to track your personal finances. This may include tracking your income, expenses, savings, debt payoff, investing, or a combination to improve your financial health. Budgeting apps are different from accounting software, which is typically for a business’s income and expenses.  <br />\nBudgeting apps may sync with your financial accounts to offer an overview of your situation as changes happen. The most common use of budgeting apps is to track spending through a synced checking account. Many people aren’t aware of how much money they spend every month, which can make changes more difficult. A budgeting app may organize spending history into categories to identify trends, making the user aware of their habits over time.  <br />\nShould I Pay for an App or Use a Free One? <br />\nWhen it comes to budgeting, everyone has their own preferences, including the willingness to invest money in a subscription-based budgeting app. Both free and subscription-based budgeting apps have pros and cons to consider. While spending money to improve your budget may seem counterintuitive, a premium app could be worth the cost if you make long-term changes. In some cases, the monthly or annual fee could pay for itself, but this may not be true for all subscription-based budgeting apps. A free 30-day trial is the easiest way to see if an app is worth the investment. If you enjoy using the app and feel motivated to continue, the monthly or annual fee could pay off. After all, the best budgeting system is one you are willing to stick with over time.  <br />\nWhat Features Should I Look For? <br />\nMost budgeting apps offer the ability to sync your bank accounts. You may collect your income and consumer spending data into the app. Many apps can track your spending and organize your expenses into categories, which allows you to see trends over time. These features may make it easier to understand your spending habits and make better choices. <br />\nSome apps take it a step further with automated savings, suggestions to save money, bill alerts, access to credit scores, and investing features. For apps with a savings component, you should make sure the account is FDIC-insured. You may also consider the account’s APY and how it compares to high-interest online savings accounts, which may also offer free budgeting tools. Depending on how much money you’re saving, it could be better to switch to an online, tech-focused bank offering a higher APY.     </p>\n<p>How We Chose the Best Budgeting Apps <br />\nBudgeting is a challenge for many people. While many folks want to reel in spending, it can be tedious to manually track expenses with a spreadsheet, which makes giving up all too easy. Luckily, there are budgeting apps to automate the process. The only problem is, the market is flooded with free and subscription-based budgeting apps, and most people don’t have the time or energy to spend a month testing each out. Fortunately, we have done the heavy lifting for you. To create our roundup of the best budgeting apps, we considered 15 of the best companies on the market. We compared each app’s budgeting functionality, pricing, free trials, and user reviews. We compared the product features, educational tools, security, and how each app accesses your financial data. 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et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;<br />\nMillionaires, rejoice! It turns out that money can, in fact, buy happiness. And a new study suggests more is better, with well-being rising as earnings grow.</p>\n<p>&#8220;Having more money gives people a greater sense of control over life,&#8221; said study author Matthew Killingsworth.</p>\n<p>The finding stems from more than 1.7 million real-time reports of well-being from more than 33,000 U.S. adults. They were prompted by their cellphones to answer the question &#8220;How do you feel right now?&#8221; at random times during their waking hours.</p>\n<p>Previous research had suggested that an annual income of more than $75,000 might not improve people&#8217;s day-to-day lives, and that notion has been widely circulated.</p>\n<p>But this study appears to disagree.</p>\n<p>Seen from a moment-by-moment angle, Killingsworth said, the data show &#8220;evidence that happiness rises continuously, far above $75,000,&#8221; which means there&#8217;s reason to believe that more money really does improve people&#8217;s lives.</p>\n<p>&#8220;If you have more money, you can choose how to spend your time and how to direct your life,&#8221; said Killingsworth, a senior fellow at the University of Pennsylvania&#8217;s Wharton School of Business, in Philadelphia.</p>\n<p>Stress reduction</p>\n<p>This study found that a sense of control accounted for as much as 74% of the apparent link between greater income and greater well-being.</p>\n<p>People who earn more spend less time stressing out about bills, Killingsworth noted.</p>\n<p>The study found that 44% of low-earners had money problems, compared with 7% among those earning over $500,000, he said.</p>\n<p>&#8220;To put it another way: People with low incomes were seven times as likely to report trouble coping with bills,&#8221; Killingsworth explained.</p>\n<p>The report was published in the Jan. 26 issue of the Proceedings of the National Academy of Sciences.</p>\n<p>On average, participants were 33 years old and made about $85,000 per year. About 1% earned $500,000 or more. Just over one-third were married (37%), and about two-thirds were women.</p>\n<p>Real-time well-being reports were solicited randomly throughout the day. Participants were also asked how important money was to them; whether they equated money with success; whether they felt in control of their life; and how optimistic, financially insecure, and/or time-pressed they were.</p>\n<p>After stacking responses up against income, Killingsworth broadly found that the more money you make, the better you feel day-to-day and the more satisfied you are with life overall.</p>\n<p>He found no evidence of a ceiling in the relationship between money and happiness. Above $80,000 a year, larger incomes were associated with significantly higher levels of all positive feelings (confident, good, interested and proud) and significantly lower levels of negative feelings (bored, bad, sad, upset).</p>\n<p>So are people on the short end of the economic stick doomed to a less happy existence?</p>\n<p>Not necessarily. While wealth matters, it&#8217;s &#8220;far from the most important thing,&#8221; Killingsworth said.</p>\n<p>For one thing, while money can afford a sense of control, there&#8217;s always an opportunity to find other ways to achieve the same end, he said. And some people say money just isn&#8217;t that important to them.</p>\n<p>&#8220;For those people, happiness is virtually unaffected by how much they earn,&#8221; Killingsworth said. &#8220;So it&#8217;s possible that people who don&#8217;t earn high salaries, but nevertheless craft lives that they enjoy, may find they don&#8217;t actually miss having more money.&#8221;</p>\n<p>A complex relationship</p>\n<p>The goal, he said, should be to keep money in perspective, because &#8220;people are happiest when they don&#8217;t equate money and success in life.&#8221;</p>\n<p>The findings came as little surprise to James Maddux, senior scholar with the Center for the Advancement of Well-Being at George Mason University, in Fairfax, Va.</p>\n<p>&#8220;Research on the relationship between wealth and happiness, for individuals and nations, has been evolving for decades and has shown that the relationship is complex, as this study again demonstrates,&#8221; Maddux noted.</p>\n<p>So Killingsworth&#8217;s finding of a link between higher incomes and life satisfaction &#8220;is not a radical take or an alternative &#8216;school of thought,\'&#8221; Maddux said. &#8220;It&#8217;s simply new information about a very complex research question.&#8221;</p>\n<p>And given the finding of a strong connection between a sense of control and well-being, Maddux offered some advice.</p>\n<p>&#8220;Stop trying to become happier by buying more and more expensive stuff,&#8221; he said, because that&#8217;s the road to debt. &#8220;And debt is detrimental to life satisfaction, partly because it leads to feelings of insecurity and loss of control.&#8221;<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(3867,1428,'_et_pb_truncate_post_date','2021-06-02 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class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>The past year may have had negative impacts on many small businesses in the United States, but there has also been a lot of innovation by entrepreneurs who have turned their part-time gigs into their main source of employment. However, these new business owners need guidance when it comes to understanding their risks, as well as the insurance solutions available to them.<br />\nAccording to Ryan Furmick, business leader for small business products at Progressive Insurance, he’s seen all kinds of new ventures seeking coverage, from people diving into online retail, to getting into freelance consulting work and homebuilding projects. “We’re seeing a steady inflow of demand, both in our independent agency channel, as well as our direct-to-consumer business channels,” he noted.</p>\n<p>What these entrepreneurs may not know is that the moment they accept money from a customer in exchange for a good or service, they’ve created a liability exposure. For example, say a consumer who has hired a contractor to do work at their house is then injured or their property is damaged as a result of that service; the business owner could be held liable for those damages.<br />\n“At a minimum, a general liability policy would help cover that risk,” said Furmick, adding that on the other hand, “If you think about someone who provides advice for a living, like a consultant, or tax preparation, like a CPA, that’s where you really need a professional liability policy.”<br />\nMoreover, depending on where the small business owner does their work, and if that’s at a fixed location that they rent or own, they need to be thinking about commercial property coverage, as well as coverage for business contents, if they’re storing inventory at the location.<br />\nThen, if the business is hiring employees, workers’ compensation becomes a need in many cases, and if they’re using their vehicle to go to customers’ job sites or deliver goods to customers, they should look at a commercial auto policy, explained Furmick.<br />\nInsurance coverage becomes that much more important considering the new risk landscape that many small businesses face today.<br />\n“The biggest change that we’re seeing is that folks that previously ran a brick-and-mortar establishment a year ago are doing more online fulfillment of orders or advocating placing orders on their website,” said Furmick. “Maybe they’ve even closed that location or are conducting the business out of their home. Those all create different exposures – if you move to a purely online operation, [for example], the risk of customer data being compromised creates that cyber liability risk.”<br />\nInsurance agents working with small business owners can provide them with guidance on how evolving the business in this way could impact their exposures, and in turn, can check to make sure that they’re covered for all of the risks that could affect the business negatively.<br />\nOne key item when working with newer small businesses, especially in the current economic environment, is keeping cost-savings top of mind.<br />\n“Given the past 12 months, we’ve seen that many small business owners have encountered some changes in their business operations … They may have fewer employees and lower payrolls than they did last year, or maybe they have a decrease in sales and that results in lower revenue,” Furmick told Insurance Business. “That lower payroll or reduced sales volume could mean a lower policy premium for the customer, so it’s important to make sure that they’ve talked to their agent or carrier to make sure that that the agent or carrier has that up-to-date information so that the policy is rated correctly.”<br />\nNotably, with the April 15 tax deadline coming up, most small enterprise owners will have to provide accurate information about their business for the year ended December 31, which makes now a good time for insurance agents to reach out to their clients and confirm that their policies are rated correctly.<br />\n“The other thing too, is for businesses that use a vehicle in their operation – if they’re using it less than they were say 12 months ago, a usage-based insurance offering, like one from Progressive, can help those customers save money and better manage their fleet of vehicles,” added Furmick.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row 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et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;<br />\nWhen a covered accident happens, take these steps to file your claim<br />\n1. Call your insurance professional as soon as possible — even from the scene of the accident—regardless of who is at fault. Even if the accident appears minor, it’s important to let your insurance company know about the incident and to find out whether your auto insurance policy covers you for the particular loss.<br />\n2. Use a mobile app to jumpstart your claim. Many insurers now offer apps that allow you to report a claim, check the status, upload photos, check your deductible, schedule an appraisal, reserve a rental car and request reimbursements for towing and glass claims. Some apps even allow you to notify the insurance adjuster what happened by visually re-creating the events and circumstances of your car accident.<br />\n3. Find out what documents are needed to support your claim. Your insurance company will require a “proof of claim” form and, if you filled one out at the scene of the accident, a copy of the police report. Your insurer may have a feature on its website that allows you to monitor the progress of your claim.<br />\n4. Understand the timing of your claim. To avoid missing a critical claim deadline, ask:</p>\n<p>Does my policy contain a time limit for filing claims and submitting bills?<br />\nIs there a time limit for resolving claims disputes?<br />\nIf I need to submit additional information, is there a deadline?<br />\nWhen can I expect the insurance company to contact me?</p>\n<p>5. Find out whether or not your policy pays for a rental car if your car needs to be in the shop for repair, and learn about the estimate and repair process as it relates to claims.<br />\n6. Supply the information your insurer requests. Fill out the claim forms carefully. Keep thorough and organized records of anything related to the claim, including the names and phone numbers of everyone you speak with at your insurer and copies of any bills related to the accident. Contact your adjuster, your insurance professional or your state insurance department if you have any questions.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(4007,1467,'_et_pb_truncate_post_date','2021-05-06 16:36:57'),(4008,1467,'_et_builder_version','VB|Divi|4.0.9'),(4009,1467,'_et_pb_show_page_creation','off'),(4010,1472,'_edit_lock','1618347098:1'),(4011,1472,'_edit_last','1'),(4012,1472,'_et_pb_post_hide_nav','default'),(4013,1472,'_et_pb_page_layout','et_right_sidebar'),(4014,1472,'_et_pb_side_nav','off'),(4015,1472,'_et_pb_use_builder','on'),(4016,1475,'_wp_attached_file','2021/04/Homeowner-insurance.jpg'),(4017,1475,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:871;s:6:\"height\";i:486;s:4:\"file\";s:31:\"2021/04/Homeowner-insurance.jpg\";s:5:\"sizes\";a:8:{s:6:\"medium\";a:4:{s:4:\"file\";s:31:\"Homeowner-insurance-300x167.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:167;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:31:\"Homeowner-insurance-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:31:\"Homeowner-insurance-768x429.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:429;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:31:\"Homeowner-insurance-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:31:\"Homeowner-insurance-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:31:\"Homeowner-insurance-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:31:\"Homeowner-insurance-400x486.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:486;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:31:\"Homeowner-insurance-480x268.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:268;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:4:\"Drax\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:10:\"1618375824\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(4018,1472,'_et_pb_built_for_post_type','page'),(4019,1472,'_et_pb_ab_subjects',''),(4020,1472,'_et_pb_enable_shortcode_tracking',''),(4021,1472,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"1472\" /]'),(4022,1472,'_et_pb_custom_css',''),(4023,1472,'_et_pb_gutter_width','3'),(4024,1472,'_thumbnail_id',''),(4025,1472,'_et_pb_first_image',''),(4026,1472,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Top Homeowners Insurance Tips For 2021</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;<br />\nTo say it’s been an unpredictable and interesting year for homeowners would be a massive understatement. Western states had some of the worst wildfires in modern history and the 2020 Atlantic hurricane season earned the distinction as the busiest hurricane season on record.<br />\nAnd then, of course, there’s the pandemic.<br />\nDespite all that, low mortgage rates and high home prices shattered records and the 2020 housing market outperformed the 2019 market in both price and volume.<br />\nIt was also a year when many homeowners decided to spruce up their place. About 62% of homeowners said they planned a maintenance or renovation project, according to a 2020 Home Renovation Consumer Survey by Farmers Insurance.<br />\nWhile we won’t be so bold as to dust off our crystal ball and predict any trends in home buying and renovation projects for 2021, what we can do is offer you practical advice to keep your homeowners insurance up to snuff so you’re in good shape for the unexpected.</p>\n<p>Keep Track of Your Stuff<br />\nOne of the most important homeowners insurance coverage types is your personal property coverage. That coverage pays to repair or replace your belongings—your clothes, jewelry, furniture, pots and pans, musical instruments, electronics, books, art, and even the decorations and knick-knacks you keep on your bookshelves.<br />\nAnd let’s face it. You probably have a lot of stuff. So much stuff that you forget some of what you own. If you want to keep track of it, you really need a home inventory. A good home inventory can both speed up an insurance claim and help maximize your claim payment. It’s one of the smartest and easiest things you can do to prepare for unexpected home insurance claims.</p>\n<p>Don’t Assume You’re Covered for Natural Disasters<br />\nA standard homeowners insurance policy excludes coverage for certain disasters, like floods and earthquakes. If you live in a disaster-prone area, you might need to bolster your home insurance with endorsements or additional policies to make sure you’re fully covered.<br />\nFor example, a good hurricane insurance policy is often a mix of homeowners and flood insurance. In some parts of the country, such as coastal Texas, you may also need a separate windstorm insurance policy.<br />\nIf you want coverage for earthquakes, look into getting earthquake insurance.<br />\nBefore you buy another policy or add an endorsement to your home insurance, it’s a good idea to speak with your insurance agent. That’s because policies for natural disasters can have complex limits (such as different limits for categories of property), exclusions and high deductibles.</p>\n<p>Buy Coverage That Absorbs a Spike in Home Repair Costs<br />\nYour dwelling coverage pays to repair or rebuild your home if it’s damaged by a problem covered by the policy, like a house fire.<br />\nYour dwelling coverage amount should be based on what it would cost to rebuild your home based on the local construction and labor costs. But certain situations, like a tornado that flattens entire neighborhoods, can cause a spike in rebuilding costs. Suddenly your dwelling coverage amount could be insufficient.<br />\nFortunately, some home insurance companies offer what’s called “guaranteed replacement cost” or “extended replacement cost” to help absorb a spike in construction costs when they go above your dwelling coverage amount.<br />\nIt’s a good idea to add this to your policy if your insurer offers it, especially if you live in a disaster-prone area.</p>\n<p>Bump Up Your Liability Coverage<br />\nWith so much focus on your house and personal belongings, it’s easy to overlook liability coverage within a home insurance policy.<br />\nLiability insurance pays for a legal defense, judgments and settlements if someone sues you over injuries or property damage and you’re legally responsible. For example, if someone takes a bad fall at your house, a lawsuit would fall under your homeowners liability coverage.<br />\nA good rule of thumb is to buy enough liability coverage to cover your assets, or what you could be taken from you in a lawsuit.<br />\nAnother option to ensure you have adequate liability coverage is to purchase an umbrella insurance policy.</p>\n<p>Understand Your Home Insurance Deductibles<br />\nIf you haven’t reviewed your policy and some of the finer details, now is a good time to get to know your deductibles. If you wait until you file a claim, you might learn the hard way what your policy actually covers.<br />\nThe deductible is the amount of money deducted from an insurance claim check. For example, if you have a $1,000 deductible and $10,000 in damage, you’ll get a $9,000 insurance check.<br />\nSpecial deductibles might be hidden in your policy’s pages. For example, hurricane deductibles can range from 1% to 5% of the insured value of your home, meaning if your house is insured for $200,000 and you have a 5% deductible, your insurance check would be reduced by $10,000.</p>\n<p>Did You Know There are Sub-Limits for Some Items?<br />\nAnother thing to understand are sub-limits, also known as “special limits.”<br />\nSub-limits typically apply to high-value items. For example, your policy might only cover $1,500 for stolen jewelry. So if your $3,000 diamond bracelet gets stolen, your policy will only pay $1,500.<br />\nIf you have valuable items, you can pay more to “schedule” them so they’re insured for their full value.</p>\n<p>Home Insurance Makeovers Should Be Part of Your Renovation Plan<br />\nIf you have a home project in mind, make sure you understand the home insurance implications before you start swinging the sledgehammer. That’s because certain home renovation projects (like an addition) can increase the amount of home insurance you’ll need.</p>\n<p>Shore Up Your Water Damage Coverage<br />\nYour home insurance covers water damage and leaks, but not all types of water damage.<br />\nA standard home insurance policy excludes water damage caused by earth movement, floods, hurricanes, tsunamis, sump pump failure, leaks from a swimming pool and seepage through a foundation.<br />\nYou can sometimes add coverage to account for these issues. For example, you can typically add water backup and sump pump failure coverage as an endorsement to a home insurance policy. 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id=\"1500\" /]'),(4050,1500,'_et_pb_custom_css',''),(4051,1500,'_et_pb_gutter_width','3'),(4052,1500,'_thumbnail_id',''),(4053,1500,'_et_pb_first_image',''),(4054,1500,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">7 Budgeting Templates to Take Control of Your Money</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p> </p>\n<p>MONEY IS INTERTWINED IN our everyday lives, and the way you manage it will greatly shape your future outcomes. Whether you’re trying to break the paycheck-to-paycheck cycle, get out of debt or build savings, a well-laid-out budget can help you reach your goals faster. By tracking your income against your expenses, a spending and savings plan can ensure you’re in control of your finances.</p>\n<p>Think of a budget as the framework that keeps your financial house from falling down – it tells your money where to go to maintain daily expenses and reach various goals at the same time. A budget doesn’t mean you have to be restrictive, either. On the contrary, it allows you to control spending to ensure you can afford things that bring you joy.</p>\n<p>“A budget helps you reach your financial goals because it gives you a full understanding of your spending and saving,” says Jim Wang, founder of WalletHacks.com, a personal finance blog. “This helps you find areas where you can cut back on your spending so you can increase your savings elsewhere.”</p>\n<p>Americans may be more in need of a budget than ever before. In fact, a recent report from Clever found that 61% of consumers are living paycheck to paycheck and 38% have accumulated personal debts of $3,000 or more in the past year.</p>\n<p>Budgeting can often feel intimidating, but knowing how and where to start can alleviate some fear. Bobbi Rebell, certified financial planner and personal expert for Tally, a credit builder tool, says to start simple. “Look at your available income and write down your priorities, then work from there and see where you can make adjustments,” she says, adding that a notebook is a great place to jot down all your expenses and purchases to get better insight into your overall spending habits.</p>\n<p>For those who are ready to take the leap into budgeting, creating a spreadsheet from scratch isn’t necessary. Save time and hassle by using a pre-made budget worksheet. You can find templates where you manually enter your information for free or subscribe to a service which imports your financial data on a regular basis for effortless financial tracking.</p>\n<p>Figuring out which one works best for you may require a little trial and error, but no matter which one you choose, beginning the process is the first step in the right direction.</p>\n<p>Here’s a look at seven of the best budget spreadsheets to begin your journey to financial wellness:</p>\n<p>The Budget Mom’s Budget Packet<br />\nGoogle Sheets<br />\nMicrosoft Excel<br />\nVertex42<br />\nTiller Money<br />\nMint<br />\nPersonal Capital</p>\n<p>The Budget Mom’s Budget Packet</p>\n<p>Sometimes putting pen to paper helps you feel more connected to the habits you’re tracking, which makes the Monthly Budget Packet from TheBudgetMom.com a great resource for budgeting newbies, explains Rebel. This free printable provides a detailed income and expense tracking chart where you enter items like fixed and variable expenses, debt and savings. You even get a bill tracker and monthly spending chart, so you have plenty of options to test and see which works best for your money management needs and preferences.</p>\n<p>Google Sheets</p>\n<p>Create a customized budget spreadsheet or grab a ready-to-go template through Google Sheets, which makes tracking finances easy. With an endless number of budgeting templates to choose from, you can find a tracking chart that fits your needs, whether you’re looking to manage your budget on a weekly or monthly basis, or a budgeting template for specific events such as a wedding or upcoming vacation. Google Sheets offers built-in categories along with formulas that make calculating expenses against income effortless. Some even come with pre-formulated charts and graphs that allow you to visualize your overall financial picture. Other features include filtering expenses by category and even sending queries about certain purchases directly to your partner’s email through the spreadsheet. Another benefit of using Google Sheets is that it’s easy to share with family members, and you can access it across multiple devices if you save it in Google Drive.</p>\n<p> </p>\n<p>Microsoft Excel</p>\n<p>If you have Microsoft Office, look no further than Microsoft Excel for your budgeting needs. With a suite of budgeting templates designed to fit many different financial needs, from personal family expenses to basic monthly budgeting to more specific financial tracking for holidays, weddings, vacations and more, there is something for everyone. If you prefer to create your own customized template, basic Excel skills will get the job done.</p>\n<p>Vertex42</p>\n<p>This site offers a range of monthly budget templates built for Excel users, all for free. Choose among a variety of spreadsheets, from income and expense tracking to personal monthly budgets to wedding budgets and more. For those who need help managing spending on a day-to-day basis, the Budget Calendar Template allows you to track expenses using a calendar format, showing you when monthly bills need to be paid. It includes daily account balances to help you avoid overdrafting your account. Before you download any template, you can click on the link of the budgeting worksheet for a full description and screenshot of the layout to see if it will work for you.</p>\n<p>Tiller Money</p>\n<p>Entering your own financial data into a budget spreadsheet can be tedious and ultimately deter you from tracking your finances, but that’s where Tiller Money comes in. The site streamlines your financial accounts and automatically updates a budget template in Google Sheets or Microsoft Excel with your spending, income and balances each day. This helps take the work out of tracking your finances, which is a hurdle many people face in taking control of their money, Wang says. You can create your own budget spreadsheet or use an existing template, which gives you more flexibility to format the budget to meet your personal needs. After a free 30-day trial, Tiller Money is $79 a year.</p>\n<p>Mint</p>\n<p>Though the Mint app takes budgeting one step further by streamlining your digital financial accounts in one place, you can also find budget templates designed through Excel on Mint’s website with custom options to suit different life stages. For instance, college students can use the college budget template to create a financial tracking chart customized to their needs. Meanwhile, a new parent might find the day care budget template helpful in managing all the new expenses that come with having a baby.</p>\n<p>Personal Capital</p>\n<p>When your finances become a bit more complicated and you have multiple investment accounts and income sources, a basic budgeting template may not be enough to optimize your money management. In this case, Personal Capital may provide a better solution for your budgeting needs. Link all your financial accounts through its personalized dashboard to get a snapshot of your total financial picture. In addition to monitoring your spending, investments, savings and other goals, you can also track your net worth through this dashboard.</p>\n<p>Budgeting may feel overwhelming at first, but it’s an easy financial skill to master once you get started. You just need to find a template that fits your money needs – and stick with it until it becomes a habit.<br />\n </p>\n<p>To read the full article, click here.</p></div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(4055,1500,'_et_pb_truncate_post_date','2021-05-06 16:36:57'),(4056,1500,'_et_builder_version','VB|Divi|4.0.9'),(4057,1500,'_et_pb_show_page_creation','off'),(4058,1506,'_edit_lock','1622581254:1'),(4061,1506,'_edit_last','1'),(4064,1506,'_et_post_bg_color','#ffffff'),(4065,1506,'_et_post_bg_layout','light'),(4066,1506,'_et_pb_show_title','on'),(4067,1506,'_et_pb_post_hide_nav','default'),(4068,1506,'_et_pb_page_layout','et_right_sidebar'),(4069,1506,'_et_pb_side_nav','off'),(4070,1506,'_et_pb_use_builder','on'),(4071,1506,'_et_pb_old_content',''),(4078,1506,'_et_pb_built_for_post_type','page'),(4074,1506,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How to Make a Personal Budget in 6 Easy Steps</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>A step-by-step guide to creating and using a budget</p>\n<p>If you want to control your spending and work toward your financial goals, you need a budget.</p>\n<p>A personal or household budget is a summary that compares and tracks your income and expenses for a defined period, typically one month.1 While the word &#8220;budget&#8221; is often associated with restricted spending, a budget does not have to be restrictive to be effective.</p>\n<p>A budget will show you how much money you expect to bring in, then compare that to your required expenses—such as rent and insurance—and your discretionary spending, such as entertainment or eating out. Instead of viewing a budget as a negative, you can view it as a tool for achieving your financial goals.</p>\n<p>What a Budget Does<br />\nA written, monthly budget is a financial planning tool that allows you to plan how much you will spend or save each month. It also allows you to track your spending habits.</p>\n<p>Though making a budget may not sound like the most exciting activity (and for some, it&#8217;s downright scary), it&#8217;s an important part of keeping your financial house in order. That&#8217;s because budgets rely on balance. If you spend less in one area, you can spend more in another, save that money for a large purchase, build a &#8220;rainy day&#8221; fund, increase your savings, or invest in building wealth.</p>\n<p>A budget only works if you are honest about both your income and expenses. To make an effective budget, you must be willing to work with detailed and accurate information about your earning and spending habits.</p>\n<p>Ultimately, the result of your new budget will show you where your money is coming from, how much is there, and where it all goes each month.</p>\n<p>How to Make a Budget in Six Simple Steps<br />\nTo create a budget that works and allows you live a comfortable and happy life, you need to get a firm handle on what you’re currently spending, what you can afford to spend, and what your priorities are.</p>\n<p>Before you embark on making a budget, find a good template you can use to fill in the numbers for your expenses and income.</p>\n<p>While you can use old-fashioned pen and paper to budget your money, it&#8217;s easier and more efficient to use a monthly budget spreadsheet or a budgeting app. These will contain designated fields for income and expenses in various categories, as well as built-in formulas to help you figure your budget surplus or shortfall with minimal effort.</p>\n<p>1. Gather Your Financial Paperwork<br />\nBefore you begin, gather up all your financial statements, including:</p>\n<p>Bank statements<br />\nInvestment accounts<br />\nRecent utility bills<br />\nW-2s and paystubs<br />\n1099s<br />\nCredit card bills<br />\nReceipts from the last three months<br />\nMortgage or auto loan statements</p>\n<p>You want to have access to any information about your income and expenses. One of the keys to the budget-making process is to create a monthly average. The more information you can dig up, the better.</p>\n<p>2. Calculate Your Income<br />\nHow much income can you expect each month? If your income is in the form of a regular paycheck where taxes are automatically deducted, then using the net income (or take-home pay) amount is fine. If you are self-employed or have outside sources of income, such as child support or Social Security, include these as well. Record this total income as a monthly amount.</p>\n<p>If you have a variable income (for example, from a seasonal or freelance job), consider using the income from your lowest-earning month in the past year as your baseline income when you set up your budget.</p>\n<p>3. Create a List of Monthly Expenses<br />\nWrite down a list of all the expenses you expect to have during a month. This list could include:</p>\n<p>Mortgage payments or rent<br />\nCar payments<br />\nInsurance<br />\nGroceries<br />\nUtilities<br />\nEntertainment<br />\nPersonal care<br />\nEating out<br />\nChildcare<br />\nTransportation costs<br />\nTravel<br />\nStudent loans<br />\nSavings</p>\n<p>Use your bank statements, receipts, and credit card statements from the last three months to identify all your spending.</p>\n<p>4. Determine Fixed and Variable Expenses<br />\nFixed expenses are those mandatory expenses that you pay the same amount for each time.2 Include items like mortgage or rent payments, car payments, set-fee internet service, trash pickup, and regular childcare. If you pay a standard credit card payment, include that amount and any other essential spending that tends to stay the same from month to month.</p>\n<p>If you plan to save a fixed amount or pay off a certain amount of debt each month, also include savings and debt repayment as fixed expenses.</p>\n<p>Variable expenses are the type that will change from month to month, such as:</p>\n<p>Groceries<br />\nGasoline<br />\nEntertainment<br />\nEating out<br />\nGifts3</p>\n<p>If you don&#8217;t have an emergency fund, include a category for &#8220;surprise expenses&#8221; that might pop up over the month and derail your budget.</p>\n<p>Start assigning a spending value to each category, beginning with your fixed expenses. Then, estimate how much you&#8217;ll need to spend per month on variable expenses.</p>\n<p>If you&#8217;re not sure how much you spend in each category, review your last two or three months of credit card or bank transactions to make a rough estimate.</p>\n<p>5. Total Your Monthly Income and Expenses<br />\nIf your income is higher than your expenses, you are off to a good start. This extra money means you can put funds towards areas of your budget, such as retirement savings or paying off debt.</p>\n<p>If you have more income than expenses, consider adopting the “50-30-20” budgeting philosophy. In a 50-30-20 budget, &#8220;needs,&#8221; or essential expenses, should represent half of your budget, wants should make up another 30%, and savings and debt repayment should make up the final 20% of your budget.</p>\n<p>If your expenses are more than your income, that means you are overspending and need to make some changes.</p>\n<p>6. Make Adjustments to Expenses<br />\nIf you&#8217;re in a situation where expenses are higher than income, find areas in your variable expenses you can cut. Look for places you can reduce your spending—like eating out less—or eliminate a category—like canceling your gym membership.</p>\n<p>If your expenses are far above your income, or you have significant debt, reducing your variable expenses may not be enough. You may need to trim your fixed expenses and increase your income to balance your budget.</p>\n<p>Aim to have your income and expense columns to be equal. This equal balance means all of your income is accounted for and budgeted toward a specific expense or savings goal.</p>\n<p>How to Use Your Budget<br />\nAfter you have set up your budget, you must monitor and continue to track your expenses in each category, ideally every day of the month. The same budgeting spreadsheet or app used to make your budget can also be used to record your expense and income totals.</p>\n<p>Recording what you spend throughout the month will keep you from overspending and help you identify unnecessary expenses or problematic spending patterns. Take a few minutes each day to record your expenses, rather than putting it off until the end of the month.</p>\n<p>If you&#8217;re not confident that you can budget your money, adopt the envelope system where you divide cash for spending into separate envelopes for different spending categories. When an envelope becomes empty, you&#8217;ll have to stop spending in that particular category.</p>\n<p>As you use your budget, keep an eye on how much you have spent. Once you have reached your spending limit in a category, you will either need to stop that type of spending for the month or move money from another category to cover additional expenses.</p>\n<p>Your goal in using your budget should be to keep your expenses equal to or lower than your income for the month.</p>\n<p>Review and Tweak<br />\nCircumstances change. Our priorities shift, we change jobs, we move, we have children. Make an appointment with yourself every few months to sit down with your budget and make sure it’s working for your current goals and realities.</p>\n<p>If you’ve already got your numbers plugged into a program or website, it’s easy to play around with your budget categories to see where you can create extra room or prioritize one thing over another.</p>\n<p>Remember, your budget needs to work for you, not the other way around.</p>\n<p>General Budgeting Tips<br />\nOnce you have set up a basic budget, customize it according to your financial situation and goals.</p>\n<p>If you work on commission, be aggressive in saving to help cover periods when the market is slow.<br />\nIf you have cash flow issues because you are paid only once a month, divide that payment by weeks, and keep the cash you planned to spend in remaining weeks in a separate account until you need it.<br />\nPay with a credit card only if you will have the money to pay it off at the end of the month. 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