Home Security - Before It s Too Late

There is nothing more bone chilling than to come home and find the door slung open and all of your possessions scattered around the floor. It is also the only thing that will ever make the average home owner consider security.
Home security was the last thing on our minds when we first moved into our new house. It was secluded from the world, small, and mostly full of hand-me-downs. Our thinking was that no one in their right mind would ever bother robbing us. It wasn t long before we were jolted into reality and became aware of the fact that most robbers aren t in their right minds.
In 1997, I arrived home to the scene I described before. With a three month old in the car, and without any way to know where the bad guys were, I sped away and went up the road to call the police. Even with the police on the scene (the ultimate in home security when you think about it), I didn t breath much easier. Some one had been in our home. They had gone through our stuff. They took the baby s cradle, his swing, and all of my husband s guns.
They knew where we lived.
That day, we contacted an alarm company about covering our home with all the security we could afford. By that weekend, we had the alarm installed. The new home security system gave my husband a peace of mind, and had the added benefit of decreasing our insurance rates.
It s been ten years since that first break in occurred, and since the home security system was installed. There have been no other problems out in our secluded corner of the world. Either the bad guys found out about our protection, or else they ve heard us accidentally set it off at one in the morning. Whatever the cause, the home security system has made our home a safer place to be.
When the walls creak, or the dogs bark, or there is a thump in the night, I still take a deep breath and wonder if maybe they have found us again. Home security brings us some comfort, but it will never erase those memories or those fears.
Don t wait to get your home security. Look into it before you need it you will be eternally grateful if and when the need ever arises.
Kathryn Lang is a freelance security writer, specializing in home security and CCTV applications.



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Cheap Car Insurance

Finding good car insurance can be very difficult. Here are a few tips:

Try a few different insurance companies. Companies are different. So are their prices. You may find that one company wants to charge you $1000/month for insurance and another will only charge you $400/month. You might be one of the lucky ones who only gets charged $30/month. Regardless of who you are, call multiple carriers even if the first quote you get appears to be low. You may find another company with a lower rate for you. Talk to friends and family. Other people are just like you, they want cheap insurance too. Chances are, you know someone who has already called all over the place and can give you some good pointers on which car insurance companies were the cheapest for them. Remember, nobody likes to spend money on auto insurance. Use the internet. The internet is a great place to find auto insurance. You can find out information about insurance companies, compare rates, get quotes, and shop around without leaving your house. There are also websites out there like 1carinsurance.org who have organized insurance company data and user data and will tell you which companies people are having success with in finding the best car insurance for them. Get auto insurance quotes. Don t just trust them. Get a quote. They re free (or, if the quote isn t free you know you don t want to use that company). If you can get quotes from 6 or 7 different companies, you then have hard data to compare the companies against each other. You re also pretty sure you re going to get the lowest rate. Try local companies. Often times people only think about the big auto insurance companies like Geico or Progressive. They don t even look around their local communities for auto insurance companies that might exist. Often local companies can offer cheaper rates because they don t have the large buracracy that larger companies have. Just remember to shop around as you look for cheaper car insurance. The first company isn t always the best.

John Jonas is an entepreneur and a family man with interests in real estate, marketing, and financial products. You can find out more info at John Jonas Blog.



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Deciding If You Need Life Insurance

We are all aware of Life Insurance and that it s purpose is to protect our families financially should we have an accident, a critical illness or die but it is still a hard for us to decide whether we actually need to take out a life insurance policy.
The decision is hard because we need to commit ourselves to paying insurance premiums over many years. We need to decide how much we are going to pay each month and how do we even know that we can afford the payments in perhaps 10 or 20 years time; we can t forecast what our future income is going to be.
We also have to take into consideration any early termination penalties. If we end the insurance policy before the end of its term will we have to pay to get out of the policy? Penalties are normally applied when an interest rate has been calculated assuming the policy is going to run over a set period of time.
For some Life Insurance is sometimes regarded as a method of saving for the future and a way of having additional funds for later in life especially when we are losing confidence in state pensions. It is worth noting that there are probably better ways to save for the future if you do not actually need life insurance, this is because some of your savings are offset against the insurance side of the policy.
In the main Life Insurance is definitely worth thinking about if you have a spouse or children to support and need to know that they will be financially secure when you die. Life Insurance is a way of replacing your missing income. It will help to perhaps put your children through schooling and give them a good start in life when you are not there to help them personally.
We also need however to consider that situations change, what about divorce or children leaving home and becoming self sufficient, because of this we need to be aware of what penalties will be incurred should we ever decide to terminate the policy before it is actually due to end.
If you are insured then Life insurance policy can provide a financial support to your family in case if anything happens to you. For further details and to compare life insurance, visit us. Imran is writer for this insurance content.



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Get The Cheapest Car Insurance Rate Quickly and Easily

Finding the cheapest car insurance rate is simply a matter of comparison shopping. But how can you get the cheapest rate without spending hours on end talking to insurance agents? Here s how ...
Make a List
The first thing you need to do when it comes to getting the cheapest car insurance rate is to make a list of all the discounts you can get. Here are some of the biggest money savers:
1.Deductibles - Raising your insurance deductible from $200 to $500 can save you 30% on your insurance premium. Raising it to $1,000 could cut your premium in half.
2. Cars - The type of automobile you drive determines the insurance rate you pay. The difference in insuring an expensive sports car and an inexpensive family sedan can be as much as $1,000 a year.
3. Safety features and ant-theft devices - Most insurance companies will give you discounts for air bags, antilock brakes, and automatic seat belts. They will also give discounts if you have a burglar alarm or other anti-theft devices installed in your car.
Eliminate unnecessary coverage
Drop your medical coverage if you already have a medical insurance policy that covers you, and get rid of your towing coverage if you re an AAA member.
Eliminate your collision coverage, comprehensive coverage, or both if you drive an older model car and the cost of your annual premium is the same as the value of your car.
Go Shopping
Shopping online is a quick and convenient way to shop for most anything, and it s especially true when it comes to auto insurance. Rates for the same auto insurance coverage from different companies can vary as much as $1,000.
After you make your list of auto insurance discounts, fire up your computer and head to an online car insurance comparison site. Here you can get a number of quotes from top-rated insurance companies so you can compare quotes and choose the cheapest car insurance rate.
Visit http://www.LowerRateQuotes.com or click on the following link for free car insurance quotes from A-rated companies to get the cheapest car insurance rates. You can get more insurance tips by checking out their "Articles" section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get the cheapest car insurance rates.



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