Tag Archives: budget bi rite

Fun Game To Teach Your Dog To Sit Stay and Retrieve

ID-10072005Playing games helps your dog release energy, feel useful, bond with you (the best part) and learn commands like sit, stay and retrieve. Teaching your dogs tricks is great but when they run around happy because they just accomplished a goal in a game even better!

Indoor games are great anytime and when the weather is too hot, too cold or stormy. Be careful to not let your dog overheat if playing outside, make sure they have plenty of water and if you notice glassy eyes or a lot of panting, take a break and let them cool down. Start out slow when it comes to running and jumping for your dog, so they can gradually work into a routine of exercise.

Now onto the fun!

Hide The Treat: This game is good for teaching your dog to sit, stay and retrieve.

Break up a large treat into 4 pieces or use small treats. Place them in your hand and close it up leaving an opening by your thumb for your dog to smell the treat. Ask the dog to sit, then smell the treat and tell the dog to stay. Walk into another room and hide the treat behind the door, a chair or someplace on the floor to start so your dog will get an understanding of the game. You can move onto other hiding places like in a couch or a little higher on a chair (if they can reach) as you go on. Then call the dog to come into the room and encourage them to find the treat. Once the dog does a bunch of sniffing around and accomplishes the goal your dog will be happy for the treat and you letting them know they just did a good thing. This builds up confidence in the dog and a bond between you both.

Go back to the same spot you started at and ask the dog to sit, smell and stay. Walk into another room they cannot see you in and hide another treat and repeat until all 4 treats are gone and then let them know they are great and the game is over by moving on to something else.

You could also put the dog in a room while you hide the treats then bring the dog out and let him or her smell your hand with one treat in it. Take the dog from one room to another for the treats, giving a hug, pet, telling them “Good Dog” or all three each time they accomplish the goal of finding the treat. You can make the first room easy and make it more challenging for the next three rooms. Try not to hide the treats in the same places, as your dog is smart and will keep going back to those places from memory.

Enjoy!

 

Photo Courtesy of Witthaya Phonsawat at FreeDigitalPhotos.net

 

 

 

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How To Save MOney on Your Auto Insurance Coverage

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These tips can help you save money on your Auto Insurance…

What you can control with your Insurance Discounts

• Location

Where you live and work makes a difference. If you live in an area with little or no traffic your insurance rates should be lower. If you live in a big city with traffic and where more accidents are likely to occur you are more likely to have a higher rate. Some neighborhoods with a high rate of theft can also add to higher auto insurance rates.

• Driving Violations on Your Record

If you have a history of moving violations, accidents, speeding tickets, DWI or reckless driving you are at a risk of higher insurance premiums and possibly having to purchase SR-22 (a driver already having been convicted of a Failure to maintain Auto Insurance, traffic related offenses -DUI’s, DWI’s or other serious traffic violations involving negligence or severe endangerment of other drivers or pedestrians) and FR-44 coverage(typically the FR-44 is required after DUI convictions and has higher limits than the SR-22). As your record improves, your premium will get lower.

• What Type of Vehicle You Own

Consider the cost of car insurance before you buy your dream car. Contact and agent and run a few vehicles you are considering and the agent will be able to let you know what risk these vehicles fall under for safety, theft and more.

• Accident Claims

A driving record that is clean and free of accidents will hold fare better for you than lots of tickets and/or accidents.

• Your Credit History

Many insurance companies view having a poor, or even no credit history as suggestive of higher risk and thus, charge you a higher premium.

• Your Occupation

Insurers have statistically found a correlation between your occupation and risk of filing claims. For instance, a newspaper delivery person is most likely a higher risk than the personal banker sitting at their desk all day.

There are some discounts that you Cannot control with Insurance Discounts.

Men or Women

Women are statistically safer drivers. Men have riskier driving patterns than women and are more aggressive on the road. (sorry guys)

• Age

Teen drivers and those under the age of 25 have higher risk of an accident than those older. Statically teens drivers allow a shorter headway and in comparison with other age groups have the lowest rate of seat belt use.

Drivers under the age of 25 are at greater risk of being in an accident than those over age 25 because people under 25 are more likely to seek adventure and take risks. Drivers between the ages of 50 and 65 generally have the safest records.

• Marital Status

A married person will pay less than a single person with an identical driving record.

At Budget Bi Rite You can choose Personal Injury Protection (PIP) PD and Bodily Injury or Full Coverage

We offer cheap rates on SR-22 and FR-44 coverage

We also offer a wide variety of discounts such as safe driver, Senior citizen, good student, multi-car and previous insurance.

Ask us about deductibles as low as $100.00.

Call us today to get your questions answered.

863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

We find insurance that meets every budget!

 

Photo Courtesy of fantasista at FreeDigitalPhotos.net

What You Need To Know About Small Business Insurance

ID-100362858Small business owners often do all they can to cut costs while providing the best service possible for their customers. If someone perceives that your business is at fault for an injury or damage of some kind, you may find yourself involved in a lawsuit. Your time and money go into your business, it simple – protect your investment.

Types Of Businesses

A high number of the businesses in United States are run as partnerships or sole proprietorship. For almost all of these small businesses, these kinds of ownership may put the business and individual at a risk. Having the correct type of Business Insurance can protect your business and you from financial disaster.

It’s often mistaken that a limited liability company (LLC) or an incorporated company is a business owner who is protected from personal liability and Business Insurance is not necessary.

You can be personally liable if:

  • you have signed a personal guarantee for a loan
  • personally you have injured someone
  • you have acted in an irresponsible or illegal manner
  • you do not operate your business as a separate entity

What Business Insurance Covers

Business Insurance is known as General Liability Business Insurance. Business coverage includes personal injury where a person is hurt due to the negligence of our business, due to an item your business has sold or by one of your employees. Property Damage includes claims from customers as well as damage to your own property due to a storm, break in, etc. Lawsuits are also covered and include advertising claims and slander on your business’ behalf. Covering your employees for injuries while on the job and death are also included.

Home Business

Your home business is not covered under your homeowners policy. Don’t make this mistake! Consider purchasing Business Insurance.

Amount of Coverage

When you purchase your General Liability Business Insurance you must consider the risks of your business and the amount that your state caps on lawsuits against small businesses. If you remodel homes your business is at a higher risk of lawsuits, property damage and injuries than if you make and sell crafts. Your business risks will determine the amount of coverage you need to purchase as well as Florida’s caps on your type of business. Budget Bi Rite can assist you with these types of decisions.

What To Do If Facing A Claim

If you have been sued, if a worker has been injured, if your property has been damaged, contact your Business Insurance company immediately. Save all of the information you receive, take photos, get witness contact information, and follow through with your insurance company. Be sure to document everything. This can be a worrisome time, but knowing that you have Business Insurance will make this go a lot smoother.

Have Questions?Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com

 

Photo Courtesy of nenetus. at FreeDigitalPhotos.net

How To Keep Your Homeowners Insurance Policy Up To Date To Save Money

housewithfenceResidential coverage protects against damage to or destruction of your residential structure. If your home is destroyed by a tornado, fire, or what disasters your policy covers, the insurance company can completely replace or cover the repairs to your home.

In this section of coverage, the most important reason to keep your homeowner’s insurance policy updated is because, in the event of disaster, the insurance company will only reimburse you for what your home is insured for, what you have on the policy.

For example, you purchased your home and homeowner’s insurance say five years ago. It is very likely the value of your home has increased since the purchase date. If you purchased the home insurance policy five years ago and have not updated the policy to the home’s current cost to rebuild, the insurance company will only reimburse you for the price you paid five years ago. So, if you purchased the home for $300,000 and the value has increased to $400,000, you’re losing $100,000 – quite a large sum.

In the end, it is essential to keep your homeowner’s insurance policy updated because you want to be sure your home is insured for 100 percent of the replacement cost. (Some policies automatically update to your home’s current value. Does yours?) While it is easy to let that dust settle over your policy from year to year, keep in mind that putting it aside could cost you much more in the end. Your homeowner’s insurance policy may make heavy reading, but it will be even more burdensome should it be out-of-date.

Call us today to get your questions answered.

863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

What Does Your Homeowners Insurance Cover For Pets

chihuahuaYour cute little puppy is a great addition to the family. Your new bouncing bundle of joy puts a smile on your face until you find him happily chewing on your shoe, or the leg of your chair. This you can control, but what about when your puppy gets bigger and decides to tear up your neighbors flower bed or possibly bites someone?

As much as we train and love our pets, we do have to have protection for the the not so proud moments that can happen. It is a good idea to be vigilant about your dog’s interactions with visitors to your home. Typically, the liability portion of your home insurance coverage should cover the actions of your pets if they damage items that you don’t own or if they injure people who do not live in your house.

Be aware that there are certain types of pets that can make it difficult to obtain home, renters or condo insurance. Dog bites make up one-third of all homeowner insurance liability claims, according to the Insurance Information Institute. According to the Centers for Disease Control and Prevention, “about 4.5 million people are bitten by dogs each year and about 885,000 require medical attention for these injuries; about half of these are children.”

In general you can purchase home insurance protection for your pets indiscretions for most types of domestic pets. Some insurance companies will provide you a list of certain types of dogs that they may consider not insurable. What they are basing their information on is the breeding history, temperaments and the risk factors. So, if a particular dog breed has a documented history of attacks or bites, some insurance companies may consider this risk to be too high, thus causing the company to deem the breed UN-insurable.

Common dog breeds that are often not considered insurable include:

* Akita
* Alaskan Malamute
* Chow Chow
* Doberman Pinscher
* German Shepherd
* Pit Bull
* Presa Canario
* Rottweiler
* Siberian Husky
* Staffordshire Bull Terrier
* Wolf hybrids

Exotic animals, such as snakes, tigers, etc., also may fall in the not-insurable category. Check with us today to see if owning any of the pets above has limitations. When you apply for home insurance, disclose information about any pets you have to ensure your policy will properly cover you involving your pet.

Tips for Buying A New Home and Homeowners Insurance Coverage

ID-100249012If you are looking to move into a new home, check out these tips first and about Homeowners insurance coverage.

Be realistic about how much you can spend.

Save yourself a lot of time by planning out a budget first. The first thing you need to consider is how much can you afford to spend each month on mortgage, taxes and insurance on your new home. Talk to your bank about a pre approval letter for new home loan so you know exactly what you can spend. Look at the homes in the range you can afford and maybe less. Doing the research yourself will make you more knowledgeable about the market, which is key to making a good purchase.

Online resources and Realtors

Before you get your heart set on a home, call the Realtor on that listing and make sure the information is good. Ask about the roof,  mold, or any other problems that could be there. A Realtor is a great asset to have when searching for a home and as a buyer you do not pay a commission fee. Also check your counties appraisal website and put in the address. It will give you the taxes that were owed the year before and may offer some updates for the current year.

What is the neighborhood like?

If you have had problems with neighbors while renting, that option is you can make a complaint to a landlord, or negotiate your contract and move. Do your homework ahead of time about the location of your new home. It may be beautiful, have the pool you want, and a dream size backyard, but what is the good of that if your up until 3 am because of noisy neighbors. Take a drive out around dinner hour and again maybe later in the evening. Ask others if they know about the neighborhood, break-ins, noise, family oriented, etc.

The Mortgage Company

People tend to go with large, well-known mortgage companies, and that’s fine. Check out the smaller, regional companies as well and see if they can offer you better rates than the big companies.

Always, Always have a home inspection

This is not the same as an appraisal of your home. The appraisal is the value of the home. The home inspection makes sure your home is safe and basically if there are repairs needed.  Your basic Home Owners Policy may cover the dwelling, personal property, liability in case someone gets injured, and storm damage. It will not cover a pre-existing condition such as mold. Make sure you walk through the home with the home inspector and do your homework for what to look out for.

If the home has termites, you will have to consider the amount of money it will take to get the home tented. If the plumbing has to be replaced, a new air conditioner, etc, it will be your responsibility to fix or replace things once the home is purchased. Your home inspector is there to be sure the home is up to your counties code system, so be sure to find out what the county code for homes are in your area.

 

Photo Courtesy of  phasinphoto  at FreeDigitalPhotos.net

Auto Insurance Coverage Tips – Before You Travel

ID-100282325Before you set out on a road trip, vacation or adventure to another state or outside the country, remember that it’s important you have the correct coverage for your vehicle. Whether it’s a motorcycle, truck, RV or car you want to be safe on the highways.

Most policies provide coverage in other states, U.S. territories and Canada.

U.S. drivers licenses are valid in Canada, as long as you’re just visiting Canada and are a resident of the U.S. Your American auto insurance is also valid for driving visits in Canada. When you cross the border, you just have to produce proof of your auto insurance, which you should always keep with you when driving.

Most states and territories have enacted financial responsibility laws requiring drivers to carry a specified amount of automobile insurance to cover losses resulting from ownership or operation of a motor vehicle. If the financial responsibility requirements where you are traveling are higher than you need to consult with an auto insurance agent for meeting the requirements.

Most policies do not provide coverage in Mexico, so if you plan to drive your car there, it’s wise to buy that coverage separately. Check your out-of-state coverage before you travel.

You can help make the roads safer by preventing yourself from becoming a fatigue-related statistic. Make sure you do get lots of rest and pull over if you feel too tired. Avoid auto insurance premium increases by using good judgment and being reasonable about your body’s limitations.

Photo Courtesy of  stockimages. at FreeDigitalPhotos.net

 

How To Make an Easter Bunny Cake In Six Steps by Howcast (Video)

ID-100145440Delight your family and friends this Easter with an easy to make Bunny Cake in just 6 Easy steps by Howcast.com. Use a homemade cake mix or one from the box. The coconut adds flavor and looks like soft bunny fur. A couple of jelly beans or round candy make up the eyes and nose. Finish off with licorice strings for the whiskers, pink cardboard for the ears and you have a Happy Easter Bunny Cake… see more on the video…

Photo courtesy of nongpimmy at FreeDigitalPhotos.net

8 Cleaning Tips that will Surprise You by My Lists of Lists

ID-100220613Are you looking for shortcuts or easier way to do things when it comes to cleaning? Amber Bailey over at MyListsofLists.com has 8 creative idea’s to make your clean up experience better.

She has and easier way for hard to reach places (like those spider webs that collect in the corner of your wall at the ceiling)

Why you should use hair conditioner instead of shoe polish on your leather goods.

How bread can help your remove spots and what does coke have to do with removing burn stains in a pot.

Check out Amber’s blog for these and more idea’s Here

Photo Courtesy of debspoons at FreeDigitalPhotos.net

Secrets To Transplanting Seedlings – 3 Tips To Success by Herbal Academy of New England

ID-100308791Spring is on its way here in Florida which means its time to get planting your garden. The Herbal Academy of New England has three great tips for transplanting seedlings and one of those tips may shock you if you did not already know.

See there article Here.

 

 

Photo Courtesy of adamr at FreeDigitalPhotos.net