Archive for the ‘Insurance’ Category

Auto Insurance, Home Insurance, Health Insurance, Life Insurance, etc.

Frugal Travel Begins Before the Trip: Vacation Preparation Checklist

June 1st, 2008

by Penelope Pince

Beach Vacation Photo by Anna Cervova PublicDomainPictures.net

Merriam-Webster defines the word “vacation” as “a respite or a time of respite from something”. Well, if that “something” from which one is taking a respite is “peace and quiet” then I would have to agree with the definer. Otherwise, gathering from my 2 recent “vacations” (one to Disneyland, one [working] vacation to Las Vegas from which I have just returned), vacation seems more like a respite from peace and quite to me.

Anyhow, I thought I would put together a pre-vacation checklist to help all you other poor vacationers prepare for your vacations, because if there is one thing I have learned, vacations are costly - and I am not just talking about transportation, lodging and amusements, but all the little everyday necessities - and the only way to travel frugally is to travel prepared. Also, the better prepared you are, the better the time you will have on your vacation; knowing that everything back home is taken care of and that you are prepared for most common travel mishaps will allow you to enjoy yourself to the utmost.

And yes, I am the extremest of Type A personalities, but admit it, sometimes it is handy to have someone who has the bases covered. You’ll certainly be glad to have one of us along when the unexpected happens because we’ve planned and prepared for it (or at least have given some thought to it beforehand so as not to be caught by surprise). ;) This isn’t a list of what to pack (toothbrush, underwear, etc.) but rather more of a pre-departure to-do list to help prepare for your trip. I’m not saying you need to do everything suggested, but hopefully a few items will prove helpful or relevant to your circumstances.

Prevention is the best medicine

Just because you are on vacation, it doesn’t mean everyone else is. This goes for utility companies, burglars and your own plumbing and wiring. When you come home from vacation, you want to make sure you still have an intact home to come home to, and aren’t met with a mountain of additional expenses. Therefore before you leave, you might want to try some of the following:

(These checkboxes are check-able, so feel free to come back and use it.)

Home and Business

Bills
Schedule (online) or mail all your bills that are due during and a few days after your vacation in case of travel delays. You never know if there may be technical difficulties that prevent you from accessing your accounts while you’re away. Better to pay early rather than pay late fees.
Library Books
Return or renew library books. Libraries often offer a vacation extension loan period if you want to take a few books with you. It might be a good idea to bring a few books if traveling with children who might need an occupation at airports, on flights, etc. If taking library books, just be sure to count the number of books you take and bring them all back.
Windows & Doors
Secure and lock all doors and windows, including any in the garage, and draw blinds or curtains.
Appliances & Faucets
Unplug all appliances including computers, TVs, lamps, hair dryers, etc. Check that all faucets are securely shut off and not dripping or leaking.
Mail
Request a Mail Hold with USPS if you’ll be gone for more than 3 days (this can be done online). This way any packages that arrive while you’re gone won’t be left outside your door and stolen or blown away.
Neighbors
If you have a neighbor or two that you can trust, let them know that you will be away and ask them to help keep an eye on your place for you. Offer to do the same for them the next time they will be away. A small thank-you souvenir when you return probably wouldn’t hurt.
Houseplants
If you have houseplants but would prefer not to have people entering your home, consider asking a neighbor if he/she wouldn’t mind keeping and watering them for you at their home while you’re away.
Lights
Leave at least one light on that is visible from the exterior of the house. If you will be gone more than a few days (or even for a few days), it would probably be worth the money to purchase an automatic timer that switches a lamp on and off at certain times. Using energy efficient bulbs would definitely help cut costs.
Business Email
If you have a business, be sure to set up an automatic Vacation Reply for your email(s) to let customers and clients know that you are away and that you will get back to them as soon as you return.

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20 Minutes Can Save $180 & Tips for Receiving Better Customer Service

May 6th, 2008

by Penelope Pince

Money Alarm Clock Image Copyright Madoline HatterA few months ago, I received a letter from our ISP Charter Communications. The good news was that everyone in our area who subscribes to their High Speed Internet was getting upgraded to the 5 Meg service and we would be surfing [I forget how many] times faster than dial-up. The bad news was that this was going to cost us yet anther $10.00 per month - an astronomical $57.99 per month. But the letter indicated that we had no other options, and our area being quite remote - we can’t get Verizon DSL here - we had no choice but to take it or go with our local wireless service which is much slower, costs more, and comes with a $200 set-up fee. Since we rely on the internet for all of our business, dial-up is out of the question. So we bit the bullet and took it. And I cringed every time I paid our Charter bill these last few months.

But this morning, I went to the Charter site for an entirely different purpose: checking out the options on one of the most un-frugal things there are - cable TV. I know I shouldn’t be doing that because nobody really needs cable, but I recently got hooked on a few shows that I’ve discovered on Hulu (House M.D., The Office and Battlestar Galactica) and am itching to see the re-runs of all the past seasons I’ve missed. Of course, I was just looking, with no intention to buy because when it comes down to it, it really is a terrible waste of money. But anyways, when I clicked on Add/Upgrade Services, I saw that there were 3 High Speed Internet promotional plans available to my area - $19.99, $24.99, and $44.99 a month. I decided to get on customer service chat for some clarification on the plans available to my area, and 20 minutes later I had saved $180.

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Insurance Matters: The Cost of Complacency

February 29th, 2008

by Penelope Pince

I recently learned a very important lesson about the pitfalls of complacency. Since June 2004, we had been with an auto insurance company called South Coast Auto Insurance/Anchor General, which we had chosen for its competitive rates in the Los Angeles area. When we moved to a more remote area in December of 2005, we assumed that the new rate they gave us here was just as competitive as in Los Angeles, and thus paid our premiums without question at each renewal period.

It wasn’t until November of 2007 when I happened upon an article on MSNBC about Progressive offering pet coverage that I even considered changing insurance companies. Because our dogs Ludwig and Wolfgang are very important to us (they always wear seat belts in the car), I immediately went to the Progressive insurance website to find out more. I learned that the pet coverage is included with their collision coverage and therefore assumed that it would be much costlier. But I was wrong.

The coverage we had with Anchor General was only for liability and at a rate of $300 for 6 months. When I obtained a quote from Progressive, I was amazed to find that for only $60 more, we could have 10 times the amount of liability coverage than we had been getting from Anchor General as well as medical payments, comprehensive, collision (including $500 pet coverage), and roadside assistance.

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