Monthly Archives: March 2009

Frequent Flyer Mile Upgrades Are Pricier

In case you haven’t been paying attention, it’s getting more expensive to use your Frequent Flyer miles to get either an upgrade or a “free” premium seat. This comes at a time when airplanes are more crowded as the airlines cut back on routes to keep their costs down. Continue reading

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101 Ways To Save Money And Live Better

101 Ways to Save Money and Live Better is provided for one purpose and one purpose only! TO CHANGE YOUR THINKING. Continue reading

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How to Review Your Auto Insurance Renewal Statement

You can save TONS OF MONEY by just taking a few minutes to look over that annoying little renewal statement that has your insurance bill attached to it. We sure get a lot of paper these days. Seems that in this paper-LESS society, we shouldn’t have quite as much paper as we do. True.. Continue reading

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Current State Minimum Auto Insurance Liability Limits

Alaska 50/100/25 Alabama 20/40/10 Arkansas 25/50/15 Arizona 15/30/10 California 15/30/5 Colorado 25/50/15 Connecticut 20/40/10 Delaware 15/30/5 Florida 10/20/10 Georgia 15/30/10 Hawaii 20/40/10 Idaho 20/50/15 Illinois 20/40/15 Indiana 25/50/10 Iowa 20/40/15 Kansas 25/50/10 Kentucky 25/50/10 Louisiana 10/20/10 Maine 50/100/25 Maryland 20/40/10 Massachusetts 20/40/5 Michigan 20/40/10 Minnesota 30/60/10 Mississippi 25/50/25 Missouri 25/50/10 Montana 25/50/10 Nebraska 25/50/25 New Hampshire 25/50/25 New Jersey 15/30/5 New Mexico 25/50/10 Nevada 15/30/10 New York 25/50/10 North Carolina 30/60/25 North Dakota 25/50/25 Ohio 12.5/25/7.5 Oklahoma 10/20/10 Oregon 25/50/10 Pennsylvania 15/30/5 Rhode Island 25/50/25 South Carolina 15/30/10 South Dakota 25/50/25 Tennessee 25/50/10 Texas 20/40/15 Utah 25/65/15 Virginia 25/50/20 Vermont 25/50/10 Washington 25/50/10 Wisconsin 25/50/10 West Virginia 20/40/10 Wyoming 25/50/20 Continue reading

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Keeping, Dropping or Changing Your Comprehensive or Collision Coverage

Managing the cost of your insurance can be as simple as answering a few simple questions. Here’s a short discussion that will walk you through the process of deciding to keep, drop or to change (different deductible) your comprehensive and/or collision coverages in your car insurance policy. First we need to do a very short ‘inventory.’ TAKING YOUR FINANCIAL PICTURE – Insurance is simply the management of risk. Owning and driving an automobile is a risk Continue reading

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Criticism of Insurance

Joseph Kenny asked: Insurance policies work by taking premiums from customers in exchange for baring the risk of certain costly events occurring. For example, if there is one fire in your town each month, everyone could just sit tight and hope their house doesn’t burn down next, or everyone could pitch in and pay an insurance premium each month and this is then used to rebuild the house that burns down. Very simply this is how insurance works. Continue reading

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Effective Periods

Have you heard of effective periods on your health insurance? Is this matter not clear to you Continue reading

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Blogging schedule

I’m speaking today and tomorrow at the PLRB conference in Seattle, so blogging will be limited for the next couple days. Continue reading

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Home Maintenance Insurance to Manage Housing Costs

Some of the most expensive neighborhoods, 2008 , suddenly got discounted with the housing crash. Discounts as much as 50% weren’t unheard of, with an added bonus of a Federal Stimulus package that promised a tax credit for buying before April 2010. It was a sweet deal and tons of people took the government up on their offer. Continue reading

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Rigsby update: forgotten but not gone

For those who remember the heady Katrina litigation days of the Ride of the Rigsbys — Continue reading

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