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Should I buy renters insurance?

June 11, 2009

All too often you see a house fire on TV, everything lost to a forgotten coffee pot or gas leak. When you see this do you ask yourself: Do I need renters insurance? Most likely not, if anything you’re sympathetic or maybe you think to yourself “Thank God that wasn’t me.”

Most often landlords insure only the complex itself. Should anything happen to your apartment and possessions, such as burglary or fire, without renters insurance you’re out of luck.

Renters insurance covers much more than the apartment itself. It covers losses from water damage from pluming, windstorms, explosions, theft, vandalism, lightening, and fire or smoke damage.

Do you live in a area with frequent natural disasters? Renters insurance covers the costs of being forced out of your home by such a disaster. It will cover everything from hotels to restaurant meals.

Should a visitor be injured at your apartment and need a hospital or doctor’s visit, renters insurance will cover that too.

It is important to note that renters insurance will not cover: floods, earthquakes, or routine wear and tear of your home. If you need coverage for such events, there is insurance separate from renters available.

Take a look at your risks and consider the benefits of renters insurance.

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How many Americans don't have health care? Why?

June 9, 2009

Even though health coverage provides protection from expensive medical bills more and more Americans are not seeking coverage.

According to the Thomson Reuters Center for Healthcare Improvement, US Census, more than 45 million Americans do not have health insurance.

Their break down of why no coverage is purchased is interesting.

  • Can’t afford (48%)
  • Not offered through job (23%)
  • Not employed (11.1%)
  • Waiting for Insurance to go into effect (5%)
  • Other (13%)

No matter what your situation is, if you don’t think you can afford health care then you definitely can’t afford major medical bills.  The decision is yours but make sure you understand the risks you face with no coverage!

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You can't control life's catastrophes, but you can be prepared…

June 9, 2009

Imagine walking back from work or class to find your neighbor’s apartment smoking from a kitchen fire. Grateful your apartment had not caught fire you unlock the door and walk in. Your shoes swish water and squeak, everything is wet! The sprinklers your neighbor set off soaked the big screen tv, priceless works of art, and your laptop. Everything is completely ruined.

Whether by a forgotten stove top, burglary, or another calamity; countless homes suffer damages every year. Costs of such misfortunes can be catastrophic without proper renters insurance.

Many college students and recent graduates rent an apartment or condo, however the benefits of renters insurance are too commonly overlooked. With a heavy course load and worldly pressures, many forget to prepare for common misfortunes.

Renters insurance is a comfort all students and graduates should have. 

 “The list of catastrophes and circumstances that are likely to be covered by renters’ insurance is a long one, ranging from such ‘typical’ events such as house fire, vandalism or  theft to things such as damage from frozen pipes or even riots.”

                                                                                                 – Mary Umberger, Chicago Tribune

Renters should know that they have an option to insure their possessions. Another great part of renters insurance is that it covers property in your possession that may not necessarily be yours. Whether you’re borrowing your roommates ipod or your parents laptop, these possessions are covered as well. 

When buying renters insurance it’s important to find the coverage that fits you best. You can in most cases choose to place additional items on the renters insurance if you feel the need to insure more than what is covered by the base plan. 

You may cross your fingers all you want, but when a disaster hits be prepared, be insured.

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Studying abroad safely

June 9, 2009

As many students make the decision to travel abroad for international education they need to keep an eye out. It has become known that traveling abroad isn’t as safe as most people assume it to be.

Jenee Klotz, a young female who just recently returned from her time abroad fell victim to a violent crime overseas. Jenne’s mother, Kathy Lunardini, told USA Today this about the matter. “These people were supposed to care for my daughter. We were shocked and dumbfounded to find out that study-abroad programs are unregulated.”

Whether you are a student or a concerned parent, it is vital you take extra steps to ensure a safe experience. No one wants to fall victim to criminal acts but unfortunately that is the world we are living in today. A great option is to purchase travelers insurance so you know you will get the coverage you need, when you need it!

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Taxing Health Care!

June 9, 2009

It came as a shock to many when President Obama’s cabinet released plans for taxing Health Care.  In the past few years, democrats have taken a strong stand against equalizing tax treatment of health care.

What’s really interesting is that President Obama actually scrutenized McCain during campaign for proposing the same plan.

As the Wall Street Journal pointed out, President Obama said that McCain was proposing “a multitrillion-dollar tax hike — the largest middle-class tax hike in history.”

The believed reason for this talk about raising tax’s on various areas of health insurance is due to the $1.3 trillion Obama’s cabinet needs. With this money they will put their new health insurance entitlement into play.

A larger area of concern is that people with High-deductible insurance will no longer be able to make contributions to health savings accounts that are tax deductible.

Also, College students in work-study programs subject to the payroll tax.

Nothing is set in writing just yet but make sure you stay up to date. You don’t want to find out this went through when you get taxed!

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Cheaper flights!

June 9, 2009

Hey grads!
I just found out that I might be able to save on flights from now on.  I was listening to the radio on the way home last night and I found out that U.S. travel sites are dropping their fees!’

I did a little research of my own and found out that there are actually four companies doing this.  Orbitz Worldwide, Travelocity, Expedia Inc., and Priceline. Well, if you ask me, this is all good news but if they want our business lets me them work for it!  Make sure you compare the sites so you get yourself a cheap ticket!

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Athletes protect your health…

June 4, 2009

Countless athletes are recruited on sports scholarships every year. Scholarships relieve much college stress offering a bit of financial relief. After a student is accepted into the athletics program, it is his or her responsibility to stay healthy and in shape. 

Many students would not be able to attend college if not for these scholarships. For those who hope for a professional sports career, past injuries will greatly affect their future abilities to preform.

It is important, whether a student decides to go professional or not, that proper health care is available. From a sprained ankles to a torn ligament, doctors visits and treatments are all too common.

If you are a college athlete ensure you have the best care available,  find a suitable health insurance policy that is affordable and covers everything you need. Protect yourself from financial buckles and future injuries from neglected care, be insured.

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Obama revolutionizing the credit card…

June 2, 2009

College students and grads alike know the planned and unexpected expenses of college. They know all too well how fast their credit card balance can climb as well. The stress of carrying this debt is a great concern to the students, as well as parents concerned for their child’s credit score.

Credit card companies understand the newly independent students are inexperienced and ready to sign up. According to a survey by student lender Sallie Mae, 84% of college students have at least one credit card, and the average undergraduate held a running debt of $3,173. 

Thankfully President Obama signed a credit card reform into legislation, banning credit card issuers from:

“Setting up on or near campuses and giving away T shirts, i Pods, beach blankets and water bottles to encourage students under age 21 to sign up for plastic” – ‘New Law Should Help College Students’ by Steve Rosen

In Obama’s newly passed legislation has made if more difficult for those under age 21 to apply for a credit card. Applicants under age 21 will need either a co-signer on the card or provide proof that they are able to make monthly payments.

Although the new legislation places no restrictions on debt limits, the new preventative measures will help slow student’s uncontrollable debt.

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Be careful! Swine flu hits all 50 states

June 1, 2009

As of June 1, 2009, US officials report there are over 10,000 confirmed swine flu infections in the United States!

The US center for disease and prevention released a statement that every confirmed case represent one out of 20 who are actually infected.  There is no way to get an exact number but that brings the total close to 200,000!

Thankfully, not everyone is experiencing fatal symptoms.   As of June 1, there are 19 confirmed fatalities in the US from the infection.

Make sure you familiarize yourself with the way the swine flu spreads so you don’t fall victim!

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Hey grads, lend some experience…

June 1, 2009

Hey all you grads!

Whew, I still can’t believe we made it! I know college has given me a good story or two to tell…

Lend your experience and realizations to the Sacramento Bee for current college kids. The Sacramento Bee is looking for recent grads to use in one of their articles, give them a shout out if you think you have something they could use. I’ll be watching the posts and we’ll definitely blog about the article when it comes out! 

Can’t wait to read what all you guys know!