Thursday, December 23, 2010

How to save money on everything

The road to a consistently expanding bank balance is fraught with endless temptations and disappointments. How to save is a question that every family or even a single person has to contend with at every step of the way.

If we could save some money on everything, then perhaps we could put away something every month. Well, is this really possible? The answer is a definite yes. All it requires is discipline and determination.

If you really think about it, a lot of times when we spend too much money, it is because we are bored or restless and spending money is a way to alleviate this feeling of angst. Although, I am a woman, I definitely think that this malady affects women more than men after observing my mother and I post myriad wasteful shopping expeditions.

First of all, let’s consider the necessities. Maybe, if we plan our menus better, we would not end up wasting money on food which ends up rotting in the refrigerator because we just bought too much. I think this happens to everyone. Buying loads of stuff and shoving it into the far end of the fridge and then discovering its existence only after it has passed its shelf life.

I think another way to save money is to leave our credit cards at home and take cash when we go out shopping. When we carry a credit card, we always tend to overspend because psychologically we convince ourselves that a credit card is an endless source of money. Limit your credit card to certain occasions such as when you have planned (after careful consideration) to buy something expensive like some gadget or when entertaining at an expensive restaurant and you can’t be caught in an embarrassing situation.

Make your spending planned and not spontaneous. For instance if some clothes or some gadget really catches your fancy, don’t just grab it right away. Go home and think about it whether you really need it. Chances are you wont. If you really need it, then come back the next day and make your transaction.

If you really want to save money, then always think about what you need instead of want and must have. For more advice on financial planning visit ww.alliedbrokers.com/estate_planning.html or or call 650-328-1000 to speak to a live agent or email abcosales@alliedbrokers.com

Wednesday, December 22, 2010

How Car Insurance Helps You

Trying to find a person who admits to being a bad driver is next to impossible. Everyone one thinks they are good, if not great, behind the wheel. But even if you are as good a driver as you think you are, that does not mean that you will not be involved in a car accident. There are three main causes of car accidents – operator error, error by another driver and circumstances beyond your control. You are in control only of the first.  Accidents can happen anywhere, at any time and having auto insurance is the only way to protect yourself, your family and others who may be injured, from the financial consequences of the accident. But there is more to it than simple auto collision insurance which covers your car and you. There are lots of other options available including:

  • Uninsured motorist
  • Under insured motorist
  • Comprehensive
  • Business auto insurance
  • Towing and labor costs
  • Rental reimbursement
  • And more

Which type of auto insurance policy you need, what it should include and how much your coverage should be is something that an experienced insurance broker like Allied Brokers will be able to tell you. Balancing risks with costs to get customers the kind of affordable car insurance they need is something that the Bay Area insurance brokerage has been doing for 50 years. Allied represents the leading insurance companies and they will find you the insurance policy you need, at a price you can afford. To find out more about the types of coverage available and the discounts you may be entitled to, click on http://www.alliedbrokers.com/auto_overview.html. You can even ask for an quote online. And the company’s reps will be happy you meet with you to discuss your specific needs and guide you in choosing the policy that is best for you. To learn about the full range of insurance service that the company offers, go to http://www.alliedbrokers.com/ or call (650) 328-1000.

Tuesday, December 21, 2010

Health Insurance advice for Individuals

When we are young and carefree, boring topics like health and sickness are as far away from our thoughts as possible and are supposed to be the exclusive preserve of the very old.  We don’t even think that our parents can ever be sick or old but alas nature or life has other plans and as time goes by the unpalatable truth dawns upon us.

We are mortals and mortals are well, not immortal and can get sick which is not necessarily when we are old.
There is an old proverb which goes thus, “sickness comes in haste, and goes at leisure”.

Yes, ill health unfortunately does not come announced and thanks to the increasingly polluted world that we live in and eat food that is contaminated with chemicals more often than not, a lot of us are susceptible to ill-health even when we are young and carefree.

This brings me to another proverb attributed to the German writer, Bertolt Brecht, “you don't need to pray to God any more when there are storms in the sky, but you do have to be insured”.

Common sense dictates that healthy eating and regular exercise should be the norm. This would delay the onset of illness as much as possible and even boost our immunity levels so that if we were to fall sick, our bodies will have the ability to fight the illness with a great deal of vigour.

But, there is one more precaution necessary and that is health insurance.

Spiralling medical costs have ensured that hospitalisation is a financially draining affair that few of us can afford. So, its best to be prepared for any eventuality and health insurance will be a step forward in that direction.  So, god forbid, if you have the misfortune to be hospitalized at any time in your life, you will be spared a great deal of mental trauma if you can rest assured that your medical bills will not come back to haunt you.

For information on health covers, visit http://www.alliedbrokers.com/health.html or mail your query to abcosales@alliedbrokers.com and a representative from Allied Brokers will get back to you.

Monday, December 20, 2010

Be Careful About Health Insurance Discounts

The problem with health insurance is that if you or someone in your family does not fall sick for a year, the money paid as premiums appears to have gone up in smoke. It’s only when you have expensive medical bills to pay that you realize how important health insurance is. Obviously no one wants to pay more for health insurance than they have to and maximizing the health insurance discounts available makes a lot of sense. But this needs to be done with care, because without the proper guidance, of the kind that Allied Brokers provides, the discounts can limit your insurance coverage. In some states running a home business will offer you considerable savings because you may be eligible for the kind of low rates that are offered to large businesses. All you need is to show a few people on the payroll. These employees can be part time and can include adult family members.  Those premiums for those who are self-employed are often tax deductible. Even those who are employed may be able to benefit from tax breaks if the employer’s health insurance plan offers a flexible spending account. Another way to reduce insurance rates is to opt for an HMO, but the lower rate that HMOs offer comes with restrictions on the doctors and hospitals you can use.

There are ways to save money but some of them may limit your health insurance coverage, often without your realizing it. Allied Brokers is a full service insurance brokerage with over 50 years of experience in health property, possessions, businesses and life. The company’s reputation has been built on the fact that it represents the leading insurance companies of the country, the range of insurance products it offers and its dedication to customer service. The focus is not just on providing customers with insurance, but on ensuring that they get the insurance the need and at costs they can afford. To learn more about the services available, click on http://www.alliedbrokers.com/. For information on the specifics of health insurance click on http://www.alliedbrokers.com/health.html#overview or call (650) 328-1000. Maximizing your coverage and minimizing your expenditure has never been so easy.

Thursday, December 2, 2010

Managing A Small Business Is Not Easy

Owning a small business is not a walk in the park. The problems you face may seem small in comparison to those faced by GE, GM and other corporate megaliths. And while they may discuss issues in terms of billions of dollars and your problems involve thousands, every decision you make and action you take has the same impact on your business and its future as the billion dollar ones. In fact, the pressure is even more because in the case of a small business, every action of yours has a direct impact on you, your family and those who work for you. You don’t have the buffers and financial support that the big boys do to cover the risks they take.

You know your business best and are an expert at running it. You know the risks. But evaluating the costs and consequences of loss is not easy. And what about the factors you can’t control? Fire, floods, earthquakes and other natural disasters are not risks. These do not occur as a consequence of any decision you make or actions you take. These are dangers, completely out of your control. The US Small Business Administration advises all business owners to discuss their insurance needs with an insurance broker. The broker will be able to not just help you evaluate the costs and consequences of calamities and claims – many of which may not even have occurred to you - but will be able to offer you a range of insurance options and guide you in finding the most secure and cost effective solutions.

Insurance brokers need to be qualified and licensed which may make the choice of an insurance broker seem simple. But some brokers are more equal than others. At Allied Brokers, we have been serving the insurance needs of the San Francisco Bay Area and surrounding regions for over 50 years. In this half century we have dealt with the business, property, life, auto, health and other insurance needs of businesses and people with just about every type of insurance need. That amount of experience, coupled with our focus on understanding our clients and offering them the insurance products that best serve them, has given us the reputation for client service we are proud of.

Call us on (650) 328-1000 and learn what personalized service is all about. We will make things simple for you and give you the best and most cost effective insurance solutions for your business or other needs. You can email us at abcosales@alliedbrokers.com. Why not go to our website at http://www.alliedbrokers.com/ and have a look at our full range of services? You can ask for a free quote or use the Online Contact Form to tell us of what you are looking for, or your insurance concerns. We’ll get back to you within one working day.

Wednesday, December 1, 2010

Dog Liability Insurance – A serious issue

Being an owner of a pet, especially a dog is a rewarding experience. Being man’s best friend, dogs are part of every family and share a special bond with each member. A good pet owner is someone who is responsible for his pet and for the society as a dog being an animal may exert certain type of behavior that could pose a serious threat to people around, especially children in your own neighborhood. Situations may occur which the owner might not be prepared for like a dog bite. Canines attacking strangers and bystanders are situations that are few of the most dangerous and risky stray incidents. These risky situations can never be entirely foreseen or avoided and this is when dog liability insurance comes to the rescue of pet owners. Its surprising that dog liability insurance isn’t a serious topic among people as almost five million canine bites happen each year. Almost one thousand people are treated in emergency rooms each day for this very incident. Yet canine owners are more likely to spend money on designer leashes and rawhides rather on indemnity protection that might allow them to keep their house in case they are sued. Owning a pooch can be a joy, but dog liability insurance better be on the list of priorities if there is any question about your pet passing Miss Manner's class.

The question you need to ask is if your homeowner insurance policy comes equipped with dog liability that allows you to safeguard yourself and others in your own neighborhood. Carefully review your master policy to see what's covered as there may be gray areas where you would require extra coverage. If you would like to apply for dog liability insurance with the best rates and privileges, you can contact Allied Brokers at (650) 328-1000. Their corporate website http://www.alliedbrokers.com/ also provides a wealth of information for those looking to customize their insurance policy to suit their budget plan. Allied Brokers is an insurance brokerage company with over 50 years of experience in property, possessions, businesses and life. Their aim is not just to sell you insurance, but to provide you with the coverage and protection you need. All their clients will have access to a full range of insurance product options and will be able to find the ones that meet their needs best. They provide insurance policies for commercial properties, businesses, homes, automobiles, medical care, retirement planning, and special interests.