Tag Archives: insurance

The Top 5 Shade-Loving Plants for Your Garden

ID-100196402Have empty spots in your yard where nothing will grow because of lack of sunlight? From blooming flowers to plants that have beautiful leaves, Craftsy gives you a list of 5 plants you can grow for those shady parts of your yard.

See their article Here

Want to know what grows best in your local area? Visit LocalHarvest.com

You can shop from your local farmers for seeds, food and more.

 

 

 

 

 

Photo Courtesy of foto76 at FreeDigitalPhotos.net

Replacement Cost or Actual Cash – Understanding Insurance For Your Valuables

id-10075860There are two types of coverage for your personal property – Replacement Cost and Actual Cash Value. If your TV is destroyed in a fire and you have a Replacement Cost Policy the insurance company pays to repair or replace your TV with a new set similar to the damaged one. If you have an Actual Cash Value policy, the insurance company pays to replace your TV based on what they determine the value to be minus depreciation.

For very expensive items, like jewelry, diamonds, art work, etc. you will need to purchase extra coverage, which is called an Endorsement. Your Homeowners Insurance may exclude coverage on certain items like fine art collections. When you purchase something new and your not sure, call your Insurance Agent to get advice on what type of coverage you need.

Keeping inventory updated is important. To make it easier for your insurance company to pay your claim, have photos and/or a video of the contents of your home. Keep receipts of new items as they are purchased. Make copies of the receipts as well as the serial numbers of your property and keep them in a safety deposit box, online, or with a family member for safe keeping.

Do all you can to keep your property safe from fire, damage, and burglary. Smoke detectors, maintaining your electrical system in your home, deadbolt locks and burglar alarms are some ways to protect your property. For doing all you can to protect your property, you may be eligible for a discount on your Homeowners Insurance.

Have questions? Contact us today.

 

 

 

 

Photo Courtesy of Vichaya Kiatying-Angsulee at FreeDigitalPhotos.net

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

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

Measles Outbreak – Vaccination MMR – What You Need To Know

Maggies Mentions

ID-100139604I understand the decisions a mother has to make for their child’s health and welfare, raising two of my own. You want the best for your child and if you think there is a threat of them getting autism from a vaccine that is supposed to benefit their health, sure you are going to have a tough decision.

I have family members and friends who became new moms in the past few years that were concerned about the rumor that MMR – Measles, Mumps, and Rubella vaccination could cause Autism. I was asked if I had my kids vaccinated when they were younger. (My kids are now adults) Of course I did. Why would I want my child to suffer from a disease that can be prevented. I told them of a friend who contracted Polio just a few months before the Polio vaccination came out at the age of…

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Benifits of Eating Kale for Your Health and a Beautiful You

ID-100181983Kale is a great source of Omega 3 fatty acids, vitamins A, C and K, Fiber and more. With just 33 calories per one cup of raw Kale, not only is it good for your health, but by consuming it you could see a difference in your hair and skin. If you have dry skin, it could be a sign that you are low on Vitamin A. Kale offers 100 per cent of our daily needs for Vitamin A.

For your Hair, the Omega-3 and Omega-6 fatty acids together in a glass of Kale juice give it great benefits adding circulation to your scalp and helping your hair to grow faster and healthier.

Read more about other benefits of Kale and get recipes from WebMD.com and StyleCraze.com

Photo Courtesy of FreeDigitalPhotos.net

 

 

 

Love To Throw Parites? Make Money As A Party Planner

housewarming partyThe holidays are just around the corner and many people will be having parties or attending. If you love plan parties  from the guest list to adding the last touch to make your parties extra special, why not get paid for it.

Put your organization skills to work and coordinate an event that will stand out. There are many types of parties: Holiday, Birthday, Baby Showers, Weddings, Office, reunions, anniversaries and the list goes on.

You can start by volunteering to help a friend with a Church group event, school event or even a backyard over the top BBQ. This will give you an idea of how other people plan good or not so good and what you may do differently. Your style will stand out and people attending the party may want you to do one for them. Word of mouth is still one of the best forms of advertising, so be sure to have business cards on hand.

From your choices of themes, food and customer service, you can be known for your expertise. Start with a small group for say a bridal shower,  baby shower or birthday. There are many things that are already on hand to choose from for your theme.

The key to success is organization and being able to network with many people for different party’s. This means you will want to bring in florist, caterers, rental companies for chairs, tables etc.  If you want to just be the expert for Baby Showers or Weddings you can stay focused on that and still do very well.

Get Your Name Out There

Once you have added a few parties to your resume, (including the ones you volunteered for) get your name out there. Order business cards (VistaPrint.com offers a great deal for first time business cards) then build a website or blog to add to social media sites like Facebook, Twitter and Pinterest.

You do not have to have a degree to be a party planner but a few courses in management, money management would be good for the business side.

Have a list of everything you need that you can check off from start to finish. Head on over to The Tip Junkie where she has 11 Free Printable Party Planners and idea’s!

 

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!
Ask us about deductibles as low as $100.00
.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida

 

 

DIY Produce Storage Bins From Mother Earth News

ID-100196322Need to make more storage in your kitchen? Mother Earth News has a great DIY idea for inexpensive and stackable produce storage bins.

They show you how to build storage bins from crates short and tall and even add casters to the bases  so you can move them anywhere you like.

Click Here to Learn How To Make These Storage Bins 

 

Photo Courtesy of hin255 at FreeDigitalPhotos.net

Motocross Dirt Bike Fun – Right Gear and Insurance

ID-100113339When choosing Insurance for your off-road motorcycle, you are providing both you and the bike a safety net just as important as the gear you are wearing. Dirt Bike/Motocross are for off-road fun. These bikes are designed for riding on unpaved ground or rough terrain and are not street legal.

A Helmet– This expense is crucial whether you are on road or off-road with your motorcycle.This your most valuable asset. When choosing a helmet make sure you pick quality, its fits properly and is secure every time you ride.

A Neck Brace– Just as important as the helmet. Your getting bumped and jostled just riding over the terrain. We never want to think we are going to go down, but in the event that this happens, with a neck brace, you have protection from serious injury.

Chest / Back Protector– There are many of these available and use of one is highly recommended as a chest / back protector (also advertised as a “Roost Deflector”) can help dissipate the energy generated in a crash and help protect internal organs and other body parts from impact damage when you end up in a yard sale.

Knee Braces– Excellent piece of protection. Everyone who rides a dirt bike should have Knee Braces. Every time you get on that dirt bike you should be wearing these for the same protection you would give to your head and chest.

Boots
– Protect your ankle and foot area, get a pair of good quality boots in place of a standard boot to offer that need protection to your lower leg.

Goggles– Lets face it, your going to be in dirt and mud that slings from other riders when you are competing. Your clear vision can mean a race and your safety. Suggestion: Tear Off goggles that can provide you with the clear vision you need.

Staying Hydrated – is a must and just a critical as the gear you are wearing.

Look into different systems that can carry fluids that are easy to consume.

Always follow the safety rules when riding Motocross/Dirt Bikes and make sure you have the right insurance coverage.

 

 

Photo Courtesy of Toa55. at FreeDigitalPhotos.net