Tuesday, May 14, 2013

FMB - Insurance and Investment Day (34/2)


About Renters Insurance

Unfortunately, sometimes bad things happen. We get car insurance, homeowners insurance and health insurance to be on the safe side. But what if you are a renter? Who protects your belongings and makes sure you are not held responsible for personal or property damage at your apartment?  If you rent an apartment, condo, or home, rental insurance is your safeguard against property loss and personal liability.
Imagine the following scenarios:
  • What if all your clothes, TV, computer, furniture, and other belongings were destroyed by fire? Could you replace them, immediately, out of pocket?
  • Could you be held liable if your friends or family were injured on the apartment grounds or in your apartment?
  • What if your apartment unit was broken into and your personal property was stolen, how would your belongings be replaced?
Fire. Injury. Robbery. These are just a few reasons why people get apartment renters insurance. It is up to you to protect your belongings and prepare for the unexpected with rental insurance. Whether you are looking for apartment rental insurance or insurance to cover your storage rental you need to consider these:
  • protect you against the financial risk associated with property damage
  • insure full replacement value for your personal property and that of your neighbors
  • provide you with quick payment for approved claims
  • provide you with temporary living expenses over and above your normal living expenses if your apartment is covered in the loss
  • give you peace of mind!
Use this calculator to total up the value of everything in your apartment and think about how you would replace it in the event of a disaster or problems:
http://www.residentshield.com/contentscalculatorequote

PICK YOUR DREAM CAR and then use this calculator to find out how much you might pay annually for insurance: (If you have a car in this budget, enter the amount of your monthly payment estimate)

http://money.msn.com/auto-insurance/auto-insurance-quotes.aspx

Use this calculator to estimate your monthly payment.  You must estimate using a 48-month loan at 7% interest.  Good Luck!

http://www.bankrate.com/calculators/auto/simple-loan-payment-calculator.aspx

NOW use the following calculator to think about how much Savings you will need to set aside while you are earning a living (your starting amount is the amount left over from your shopping trip on moving day:

http://www.bankrate.com/calculators/savings/simple-savings-calculator.aspx

Add your monthly savings into your budget.

You might also need some life insurance, but that is normally handled with your employee benefits people.  Your new jobs could include Life, Health, and other benefits we will discuss today.

Finally, you can now add 10% of your earnings from our Investopedia Stock Market Game.  Call me over to make the withdrawl if you want.  I will have today's print out with totals and will approve all withdrawls.

Enter all of your items on your budget and save it for tomorrow!!

-Mr. S




Posted by at

UN Global Sustainability Goals Project Map

Word Counter For Text

This free script provided by JavaScript Kit

Integrity (13 Characteristics)

13 Characteristics of People Who Have Integrity

1. They Value Other People's Time: They value their own time so they also value the time of other people. They know you have plenty of other places you need to be and won’t hold you up. If you spend time with them, it is likely they will thank you for that as well.

2. They Give Credit Where It Is Due: They do not take credit for things they did not do. They will always credit those who deserve it. If you help this person with a project he or she will likely mention your name so you can take credit for your work.

3. They Are Authentic: They are their truest forms. You won’t catch them in a lie or being fake.

4. They Are Always Honest: They are honest people that feel no need to lie as it is important for them to get to where they need to get in life honestly.

5. They Never Take Advantage Of Others: They are not the kind of people who will take advantage of someone else. They love to build people up and help them get where they need to be. Taking too much from someone else will never be an issue with someone who has a lot of integrity.

6. The Do Not Argue Over Disagreements: They will talk through things in a civil manner or not talk at all. You cannot and will not force this person into arguing over something completely ridiculous. I find this to be a very respectable trait.

7. They Give Most People The Benefit Of The Doubt: They try to see the good in everyone. I think this is because they feel like maybe there are more people in this world that also have integrity. That being said, if you take advantage of them too much they will get rid of you.

8. They Know When Something Is Bothering Someone: They have a great intuition that lets them know when something is going on. If someone is down in the dumps they will notice. Chances are they will actually do what they can to cheer you up.

9. They Believe In Others: They accept your word as truth until it is dis-proven. That being said, they do not take lying well. And once you lie to them, it is unlikely that they will ever take your word again.

10. They Apologize First: If they have done something wrong they will come to you and apologize. This is just how they are. They own up to their mistake and try to make things right.

11. They Are Humble: They do not quite know their own worth. While they are very important and do so much good they don’t quite see it. You should remind them of it.

12. They Do Good When They Can: They are always helping other people. They love to know that they have improved someone’s life. It gives their lives meaning.

13. They Are Always Kind To Those Who Need It: Giving kindness can go a long way. When someone looks like they need a little pick me up these people deliver. They can brighten up almost anyone’s day.

If you are someone who has true integrity, thank you for being who you are and thank you for all that you do. You really do actually make a difference in society, please keep up the good work. If you feel no one else is proud of you, know that I am.

Total Pageviews