Little-Known Ways to Save on Homeowners Insurance

Installing a home security system, smoke detectors and bundling home with auto insurance are all great ways to chip away at the price of your homeowner’s insurance. Why stop there? There may be several additional discounts available to you. Here are some ideas for discounts that can save you up to 25 percent on your monthly premiums.

Update Old Wiring

Electrical fires account for 6.3 percent, or almost 24,000, of all residential fires, according to the U.S. Fire Administration. This type of fire occurs due to faulty wiring, appliance failure or simply overloading electrical outlets and extension cords. If your home is more than 20 years old, consider updating the wiring to handle the demands of today’s technology.

Kick the Habit

Smoking continues to hold the top spot in causes of house fires in the U.S., killing hundreds of people and causing millions in residential property loss every year. If there is a smoker in your house, it’s usual practice for insurance companies to raise your premium. Contact a local insurance agency; many will also give you a break on rates when you quit smoking.

Gated Communities

Living in a gated community can give you an extra layer of security while giving insurers an extra level of protection, one for which they may be willing to pay. Your “payment” can be anywhere from five to 20 percent off your bill. Using the principle of strength in numbers, just belonging to an HOA may be enough to get you a discount.

Claims-Free Credit

Did you ever think your insurance company would pay you not to make a claim? While it doesn’t work exactly like that, it is a little like the “good-driver discount” that some auto insurers offer. In the end, insurers are just spreading around the savings, which could be up to 20 percent of your premium.

Upgrade Your Roof

Insurance companies regularly pay out on claims for roof damage due to wind, hail, snow and rain. In trying to contain claims, an insurer is likely to reward you for upgrading to new roofing materials that offer increased protection from the elements. Your state department of insurance should have information about impact-resistant materials now available. Upgrading to these materials may also help you qualify for a tax deduction; check with a local insurance agency for more information.

Age Brings Benefits

Because we tend to stick closer to home when we retire, our increased presence is seen as a great way of mitigating any damage that may occur. When we’re at home, we’re more likely to smell a gas leak or know when a pipe bursts. If we can’t avert the damage, at least we can limit it just by being aware of any problems and taking steps to correct them sooner. So when you retire, let your insurer know.

Insurance is a must for homeowners, there’s just no getting around it. By taking steps to reduce risks to your home, you can also earn discounts on your home insurance premiums. For insurance companies, and for homeowners on a budget, every penny saved is indeed a penny earned.

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Ways to Make Money as a Stay-at-home Mum

Being a stay-at-home mum comes with its joys and trials. If you are a stay-at-home mum you may find yourself looking for opportunities to earn supplementary income in your free time. Here is a list of some things that you can do to earn yourself some extra money:

1. Babysit:

Not all parents want to send their kids to day-care, and hence being a baby-sitter can provide you with plenty of opportunities to earn cash. You can take care of the kids like your own and if you do a good job you will start getting more offers.

2. Sell things:

Become an entrepreneur from home and use your skills and talents to produce and deliver products that will be useful to people. The market is huge and if you are good at something you can easily use it to your advantage by showcasing your skills online.

3. Play Bingo:

You can play a game of online bingo and actually earn cash. This is probably the easiest thing to do on this list to earn some money. Visit this URL to see how it works.

5. Work online:

A large number of jobs are available online and you can do them to earn money. Working from home does not require you to go the office and saves a lot of time on commuting. If you can spare time at home and work efficiently, online jobs may be the way to go. But don’t forget to do research before you join as the internet can be a dubious place at times.

Try some of these options and see how it goes for you. If you work hard you can surely make some money from home too!

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Four Marathon Training Tips for Beginners

So, you’ve made the decision to start training for your first marathon. As you start pounding the pavement during your long runs and doing other exercises to build up your stamina, it’s important that you train properly to avoid injury and other problems down the road. Here are a few tips that you should keep in mind as you prepare for race day.

Get the Right Shoes

Your regular tennis shoes may not be able to keep up with the demands of training and provide you with the support you will need on your runs. You should invest in a good pair of running shoes that are made to give your feet some additional cushioning. Some of the best running shoes on the market can also absorb more shock and correct foot pronation problems.

Stay Hydrated

Hydration is key to successful marathon training. It’s best to drink six to eight ounces of fluid after every 20 minutes of running. Whether you choose to drink water or some type of sports drink, you should avoid drinks that contain caffeine or other diuretic properties. Even if it’s cold outside and you don’t feel thirsty, you could still become dehydrated without even knowing it, and this can lead to serious problems.

Treat Injuries Quickly

If you do happen to become injured while training, you should have any injuries treated quickly to avoid further problems. Some injuries, such as those caused by repetitive strain, can possibly be treated by simply taking a few days off from training and resting. You can also get treatment at a sports therapy center that specializes in physical therapy and athletic training. The sooner you allow yourself to heal from your injuries, the sooner you’ll be able to get back into full marathon training.

Consider Running with a Buddy

Having someone else to run with can help you stay motivated as you continue to log your weekly mileage. Running with someone else on a regular basis will also make you more accountable for your training. Plus, you’ll be able to share stories and offer each other support as you work toward reaching your marathon goal.

You can make things easier on yourself and achieve success if you properly train for your marathon. By taking the necessary precautions, you can stay healthy and motivated as you prepare for your big race.

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