8. Get an insurance checkup
iStockphoto
I admit that gathering up all of your insurance documentation may not be much fun, but it can be a very profitable time investment. I had been with State Farm for a couple of decades, and saw my rates go up without any claims. Until finally, several years ago, I met with an independent agent. It was like a Geico commercial - though it took more than 15 minutes, it did save me hundreds of dollars a year. For me, it was Auto Owners insurance.
Years later, my rates haven't gone up much. I'll admit, however, I still haven't had a claim so I can't be sure I've made the right move. AutoOwners has one of the highest customer satisfaction rankings on J.D. Powers. You need to make sure any insurance company you have is ranked high in both customer satisfaction and financial stability.
Payoff: Cut $600 annually from my property and casualty insurance.
Thanks - nice comments are always appreciated by the authors!
Thanks - a credit card gives more protection than a debit card. So the same 2% cash back with no fees so I'll stick to the credit card.
(1) Didn't know there was a 60 day thing with CDs out there. Good to know. For the rainy-day fund... I use IngDirect, but the interest rates are ... crap in comparison to your CDs. But more liquid.
(2) 2% credit card? Just get a 2% debit card instead: PerkStreet is the most prominent right now, but there are others.
-t
I'm not sure how you reached the conclusion on where I spend my money. I will tell you two things:
1) Fair competition is good and brings down prices.
2) Most issues are not as one sided as you and most politicians think.
I like most of these - especially #10. Cut your own hair?
Not taking it personally at all. I'm neither pro or con big business. I could get into the psychology of teaser rates but the word "teaser" says it all. Don't have the smartphone app you refer to. Cost benefit of getting a newer smaller car with better gas mileage isn't close. Keep the car.
Not taking it personally at all. I'm neither pro or con big business. I could get into the psychology of teaser rates but the word "teaser" says it all. Don't have the smartphone app you refer to. Cost benefit of getting a newer smaller car with better gas mileage isn't close. Keep the car.