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Day: August 8, 2018

50 Ways to Save Money on Your Home Insurance Now

1. Contact your state's department of insurance. Not only can your state's department of insurance offer suggestions for saving money, as well as which companies may suit you best, but they can also give you a heads-up on insurance companies you should avoid.

2. Purchase multi-line insurance. If your auto insurance company offers homeowner insurance too, you may save a few bucks by purchasing both policies.

3. Ask for information on all discounts. Discounts can vary from company to company, so find the insurance company that offers the most discounts that will benefit you.

4. Examine your credit history. If your credit history is in pretty good shape, you probably do not have anything to worry. If it could use some work – work on it! Insurance companies may use your credit score when determining your homeowner insurance policy quote.

5. Ask about EFT payments. Some insurance companies actually charge a fee for payments by mail. Avoid this fee by using electronic funds transfer – your homeowner insurance payment will go directly from your bank account to your insurance company.

6. But do not ignore floater policies. Sometimes, float policies are necessary. You may want more coverage than the homeowner insurance policy offers. Rather than let your favorite fur go uninsured, ask about a floater policy.

7. Avoid sacrificing coverage for price. We all want the best price for whatever we purchase. Sometimes it's easy to get talked up in low numbers and forget about the coverage your home and possessions really need. Do not choose a particular homeowner insurance policy just because it's the cheapest; in the end, you could end up paying a bundle out-of-pocket.

8. Raise your deductible. Paying a higher deductible means paying a lower premium. This is especially wise for people who do not live in areas prone to theft or serious weather conditions.

9. Review your policy annually. Look over your policy each year to make sure you're not paying coverage for an item you no longer possess. This is also a good time to find out if you're eligible for any new discounts.

10. Contact your agent when you make repairs. When you repair or replace an element of your home, your home is safer. Safe homes earn lower homeowner insurance premiums. …

Personal Fitness – Six Things You Will not Know About Stretching For Fitness Until You Read This

If you research the subject of stretching thoroughly, one thing becomes glaringly obvious. There are conflicting views as to what is or is not true, what you should or should not do and how you should or should not do it.

Basically the latest research does not support all of the information that many fitness 'gurus' have been handing down for years. So what does the latest research say? I'm glad you asked!

1. Stretching is goal specific. Meaning the way you'll stretch as part of your cardiovascular or resistance routine will not be the same as the way you'll stretch for improving your range of motion.

2. Stretching after exercise does not prevent post-exercise muscle soreness. There is also little or no support for the theory that stretching immediately before exercise can prevent either overuse or acute sports injuries.

3. Dynamic or Ballistic Stretching is heading the way of the dinosaur. The forceful, jerky movements have been known to cause micro tears in the muscle fibers. Bouncing and pulling your muscles with force is one way way ticket to soreness, injury and joint pain.

4. Static stretching is one of the safest ways to stretch. After a proper warm-up, assume a maximum stretch position for each muscle and hold for 30 seconds. Shorter durations do not produce desired results and longer durations do not significantly increase benefits.

5. PNF Stretching is a technique which involves a combination of alternating static stretches with isometric muscle contracting. It was first used by physical therapists for injury prevention and rehabilitation. Proprioceptive Neuromuscular Facilitation (PNF) is considered the fastest way to improve range of motion.

6. Visualize while stretching each muscle group. You've got to be 'plugged in' mentally to get the best result. Take this quiet stretch time to improve your body awareness. Focus on what you're doing. Even in a recession, I do not think you're too poor to pay attention. …