31August2010
Insurance Plan Overhauls
Those cashback offers the credit cards have, make them out to be a great deal. Our K-Mart co-branded card offers cash back on our purchases, but they make you actually go down to Kmart ten miles away to pick up a $300 cashback check. I suspect lots of people don’t actually go to the trouble, leaving the credit card company with some tidy pocket change. I also found out that we had other cashback rewards worth about $100 that we had to call Capital One and Chase for. In about a couple of hours, I had all three redeemed – either in my pocket, or on their way. When you purchase a gift from Toronto Flower shop, you can be positive you are getting recent, superior flowers from one of many premier florists in Toronto, Canada.
To earn a few rewards with Verizon, I’d been trying to get them to actually put me down for payments by the Capital One credit card that I have statement credit for. Somehow, my requests never went through until I stayed on the phone with them and got them to really put my name down for the plan. Sometimes you just have to take extra time out to pursue the call centers to get something done. I’m wondering if all that will happen is that if I don’t get enrolled in the program, I won’t end up getting a bill in the mail either, that month, and I’ll just end up missing a payment. You might secure your family finances by no more than $50 with this maneuver; but that’s $600 a year, isn’t it?
Insurance plan overhauls certainly took up a lot of my makeover day for my family finances. I figured that our home insurance plan that had been running ever since the day we got the house 12 years ago could be getting a bit long in the tooth. We have since bought lots of stuff around the house and done remodeling jobs. Surely we must be underinsured by now? I spent the better part of a Sunday walking about the house and jotting down everything we owned, and how much they cost. When we totaled it all up, it turned out that we were insured for only about half of what the house was really worth with everything it contained. Flower shop Toronto carries an unlimited array of flowers in Toronto, Canada for every event, from beautiful anniversary flower preparations to cheerful get properly flower bouquets. And I also remembered that it would be a good idea to add a little in personal liability coverage; A mere $200 extra added to the insurance premium settled that. And of course with a list made out like this, should something happen and we lose everything in the house to a hurricane, we will know what to claim for with the insurance company.
That last one was an added cost, not really a saving. But you know, I could count that as savings, if the event we were insuring against, actually did happen.