Tag Archives: Insurance

Irresistible Reasons To Buy A Used Car

Irresistible Reasons To Buy A Used Car

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Today we are talking about choosing a new car but instead of heading to a showroom, choosing a used model. Used cars can be just as good as new and often you will save a ton of money on your purchase. Here are some of the top reasons why you should choose a used car this year.

Used cars

No matter your reasons for buying a new car, it is incredibly important to consider the resale value of the car in years to come. When you purchase a car you will often be able to sell it on and part exchange it for a new one years down the line. This means when you sell your car you are also partially paying for a new one. New cars are great, but the label ‘NEW’ only lasts until you sit behind the wheel and from this point onwards the value of the car will drop significantly. However, if you are to choose a used car instead, you will see a steady decrease in value over the time you own the car and you’ll likely be able to sell it for not much less than you bought it.

More for the money

Shopping for a new car can be incredibly exciting as a prospect until you realise how expensive all of your favourite models are. Once you take a dive into car shopping you will soon realise that many of the options you hoped to buy are out of your price range or carry a steep insurance premium. This can narrow your options massively and make you wish you had kept your old car. However, if you filter your search for used cars, you might find that the make and model you want is within your price range and this can open up a whole world of doors for you. Used cars are cheaper and therefore easier to buy, and this likely will mean that you can get a better car for your money, such as Mercedes approved used cars or used versions of your other favourite brands.

Lower Insurance

Even if you can afford to buy your dream car, the biggest hurdle which can get in the way is your insurance costs. Insurance is very expensive and it can even be more expensive than the car itself. When shopping for a car the insurance cost might stop you from getting what you want, however when choosing a used car you may be able to avoid the issues. Used cars are worthless and therefore are cheaper to insure, so this is always a great option for you when you want to buy a fancy new model.

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How To Recover After A Disaster In Your Home

How To Recover After A Disaster In Your Home

When something terrible occurs in your home, it can send your world crashing down. Especially when the situation was caused through no fault of your own, getting back on your feet might seem like an impossible task. From natural disasters to hot oil fires and burst water pipes, at any moment everything inside your property can be damaged or destroyed beyond repair. Luckily, recovering from a serious incident needn’t be as hard as you may believe, and it can even be a great opportunity for a new start. If you’ve fallen victim to hard times in your home, or perhaps you want to provide some kind of help to someone who has, these tips and tricks should allow you to gain the necessary knowledge you need to tackle the situation head on. 

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Get Your Home Checked Out

After the initial threat has diminished, the first thing you must do is assess the destruction that has been caused. Contact the appropriate professionals to see what you can do to salvage your property, such as fire damage restoration to reclaim whatever is left after a heat induced incident. When you can establish whether you can reoccupy your home, take the appropriate steps to make it safe for you family to re-enter. Check out the structure and whether any electrics or water lines have been affected, as these can cause further destruction to your property if left to fester and worsen. If you have some kind of insurance, take photographs and videos for evidence to show the appropriate people in order to get the right amount of compensation and aid. 

Get Your Necessities Back 

After moving back into your home, you must get the essentials reinstalled right away. If you arrive and immediately struggle to live your life normally, you will feel the impact of the disaster much more than you need to. The stress and upset caused by whatever situation you were faced with will already be a heavy weight on your shoulders, so the added pressure of not coping well with what you have left will make your experience even worse. Refer back to the photographs you took to see what you have lost, and make things like appliances and every day items a priority. Focus on the most important living spaces first, such as your kitchen, bathroom and master bedroom. You can easily function from these 3 rooms whilst still keeping your renovation and repair spend to a minimum. The remaining rooms can be looked at in the future when you have the means to complete them to the best standard slowly and steadily so that you are not completely overwhelmed.

Make It A Family Effort

The emotional distress that can be caused by a disaster in your home can be major. Every family member that occupied the property will be affected by what has happened, so it’s important to remember that you are all in it together. By working through the clean up efforts as a family, you can help to rekindle the atmosphere of closeness and also create a home that’s greater appreciated due to the hard work they contributed to bring it back to life. It’s also essential that you are there to provide support for everyone involved, and encourage your children to further support each other through the tough times ahead. When you work together, you will also be able to complete your home restoration process much faster than if you were faced to tackle the situation on your own. Motivate your family to roll up their sleeves and get stuck in, so that you can return to your normal lives in the fastest time possible and without placing too much stress and responsibility on one person to solve the issue.

The Little Details 

Once you have taken some time to make your home more inhabitable and familiar, it’s time for you to add the little details to complete your recovery process and fully restore your property to its full potential. Every room will take some love and affection to bring it together and make it more comfortable and warm, but it’s up to you to decide on what this needs to be for your family. Focus on what’s required to bring back the essence of what a home should be, and try to sense what it is you may be missing in your house. It may be an idea to completely redecorate, as it can then be seen as a new start and you can allow your children to pick whatever would make them feel happy right now, which should be one of your top priorities. 

Prevent Reoccurence

It’s so vital that you install some kind of preventative measures to ensure that no situations like the one you have experienced can ever happen again. Unless your home was damaged in some kind of freak one off incident, most risks and dangers can be decreased somehow with a few investments or a little extra thought. Install the appropriate smoke and heat alarms and fireproof doors throughout your property to protect you if a blaze were to break out. Keep some sandbags handy to cover any doors to help stop any water from entering your home in the event of a flood or any other related event. Have a plan in place so that everybody knows what to do in the case of an emergency, such as taking electrical goods upstairs to avoid liquid damage or getting into a safe place like under a solid table to stay protected during an earthquake. 

Recovering from a disaster in your home can be a true test of your strength and patience, but with a little bit of dedication and teamwork you and your family can make sure that you can restore your abode to its former glory. Make sure that you install some features that might help to lessen the damage if you were to find yourself in a similar situation again, and support each other throughout the whole process. 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Protecting Your Personal Finances As A Driver

Protecting Your Personal Finances As A Driver

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Owning a car can be costly, but it’s a necessity for most people in the modern world. Still, that doesn’t mean it has to be an expense which excessively consumes your available funds. You’ll always face regular costs as a driver, but those costs can be mitigated. It just takes some careful planning and some careful driving, as we’ll explain in this article. Let’s talk about some of the ways in which you could start protecting your personal finances as a driver.

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For starters, driving sensibly is one of the best ways to protect your personal finances. When people buy cars, they assess many different aspects that determine both the initial cost and the costs they’ll face throughout the life of the vehicle they’re purchasing. One of the most important variables is the fuel economy of the car in question. How much is it going to cost per gallon? Modern cars are becoming more and more efficient in this regard, but many drivers still fail to accept that economical driving is the best way to make your money go further.

Accelerating and braking excessively hard are both examples of ways in which you’ll burn through petrol far more quickly. By taking a calmer and more methodical approach to driving (in particular, by avoiding speeding and driving aggressively), you’ll be able to cover more miles with a full tank. That means you’ll have to take fewer trips to the local petrol station. Obviously, this would save you a lot of money in the long run. If you want to protect your personal finances as a driver then think about the way in which you operate your vehicle. As we’ve discussed before, driving efficiently is a great way to save fuel.

Accidents.

Unfortunately, car accidents are very common in modern society. It’s hard to say whether the blame falls on careless drivers or the sheer number of cars on the road, but the point is that you must be ever-vigilant. Being a good driver is important, but that doesn’t mean others on the road are going to be good drivers. It’s important not to react to dangerous drivers in an aggressive way; that could turn a potential hazard into an accident. But even the most cautious drivers can find themselves in road incidents. Obviously, the priority is that everyone is safe in such an event, but many of us have probably been involved in some sort of car accident at some point in our lives, even if it was just a minor bump or scratch. The cost that comes with such accidents can be astronomical, so make sure you collect details from any other drivers or witnesses involved to help protect your finances as much as possible. If you are injured in an accident then it’s important to get compensation for any medical bills or time off work that might impact your finances as well as your health. You might even want to check out https://www.braininjurylawofseattle.com/seattle-brain-injury-lawyer/ if you’re suffering something more serious, such as a brain injury. Your recovery is essential, but your finances play a big part in this.

Insurance.

Finally, let’s talk about insurance. This is the cost that gives most car owners headaches. No matter how good a deal you might get on a car itself, it’s the insurance premium that determines how much that vehicle is ultimately going to cost you on an annual basis. Still, there are ways to save money in this regard. Take a look at your existing insurance policy. Is the coverage essential for your current situation? Maybe you don’t actually drive that many miles anymore. Maybe your car is getting older and you wouldn’t actually get a very high payout if there was an incident, so there’s probably no need for such a high premium. You could even raise your deductible, as suggested at https://www.fivecentnickel.com/does-raising-your-car-insurance-deductible-save-you-money/. The deductible is the amount you’re willing to pay before the insurance provider starts paying. If you raise your deductible then you’ll face a lower premium because your insurance company will consider you less of a risk.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

Mastering The Finances Of Driving

Mastering The Finances Of Driving

There are many aspects to driving a car which you need to manage and master if you are going to be able to make the most of it, and most people find that this is one of the more frustrating parts of driving overall. However, so long as you are happy to pay attention to some of the intricacies, you should find that it is surprisingly easy to be able to master them, and that will mean that you can enjoy driving much more on the whole. One of the most important parts of all, of course, is the finances, which can cause a lot of trouble for a lot of people and are always something of a concern for most. In this post, we are going to look at some of the things that you might need to do in order to master the financial elements of driving. All of these are worth looking into if you want to do that.

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Understanding Value

It helps if you understand how value works with a vehicle, as if you do you are much more likely to know where you stand. When it comes to buying, selling or just valuing, you need to know what you are doing, and it is thankfully easy enough to get your head around when you need to. Most of all, you need to know that all vehicles undergo a significant diminishing of their value over their lifetime. This means that the value is always going reduce over time, no matter what. The moment you drive it away after buying it, in fact, its value reduces by around a half to a third. Thankfully, there are ways to counteract this, the best being a diminished value claim. If you are wondering: What is a diminished value claim? You are not alone, as many people don’t know about them. It’s simply a way to claim money back off the difference between the starting value and the current value, and it’s something to remember you can do.

Driving Efficiently

The better that you can drive with efficiency, the less money you will be spending on fuel, so this too is a hugely important thing which you should look into at your earliest convenience. There are a lot of ways to make sure that you are driving efficiently. First of all, you should limit your braking, acceleration and stalling. All of this uses fuel where you don’t need to. You should also make sure that you change gears at the right time – usually around two and a half thousand revs – so that you can be sure that you are not wasting any fuel there either. Finally, if you can cruise most of the time at around fifty, you will use much less fuel on the whole.

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Insurance & Other Peripherals


Finally, you also need to make sure that you are thinking about the things that come with driving if you are to keep driving as cheap as possible. When it comes to insurance, you should always shop around, as you will find that you can usually find a cheaper option if you look hard enough. For tax, the only thing you can do is buy a more efficient vehicle. Do these things, and you will mater the finances of driving easily.


Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.