There are many insurance products out there, and while many of them make a lot of sense – like auto insurance or homeowners insurance – there are those that are not worth the money you spend on them. For example, an extended warranty is a type of insurance that often costs more than it would save you in the long run – not to mention the waste if you don’t spend it. But is travel insurance on the list of insurances that makes sense or that’s more trouble than it’s worth? The truth lies somewhere in between.


It’s Not Likely a Good Choice if You’re Not Going Far Away

If you’re simply traveling 60 miles away to visit Grandma for the week or weekend, then it’s likely not worth the cost. In fact, many of the things that would go wrong and require insurance should already be insured if you’re that close to home. For example, you’d like be in-network if you had to see a doctor, you’re likely driving your own car which your auto insurance would cover, and you probably are staying at Grandma’s house.


Travel Insurance Can Protect Your Deposits

One of the reasons people love travel insurance is because it protects your deposits. If you’re planning a trip to Mexico in 8 months and have made a deposit on that trip, without travel insurance you’d simply lose that money if you ended up not able to go. For example, perhaps you get sick the week of your trip. Travel insurance could help you get some of the money back you spent on tickets, hotel reservations, events, and more.


If You’re Traveling Overseas You’ll Likely Want Some Type of Travel Insurance

No matter how long you’ll be gone, if you’re leaving the United States and traveling overseas then you’re going to want some type of vacation insurance. Insurance is there to protect you in case the worst happens, and consider that it can cost up to $100,000 to medically evacuate you back to the United States if you were injured. When you compare that cost to the relatively low cost of travel insurance then you may find that it’s well worth it.


You May Already Have Certain Coverages

It’s always a good idea to take a peek at your current insurance policies to see if they cover any type of travel insurance. For example, your credit card likely includes some coverage if you’re in a rental car. Some airlines will allow you to get a partial refund if you have to cancel your flight at the last minute. Remember that your homeowners insurance will cover you in the event that something happens to your home while you’re gone. For more information about the coverages offered by your homeowners insurance, take a peek at


The bottom line is that travel insurance is not always necessary but in many cases it can protect you in the event that you’re not able to travel or that something goes wrong while you’re traveling. Remember that you’ll also get the benefit of peace of mind that your trip is covered and you can simply enjoy yourself.

 | Posted by | Categories: Life Insurance Tips |

Buying online is easier in a lot of ways, but it can also make many people weary. This is especially true when it comes to something as important and personal as life insurance. However, it’s likely safer than you think. The first step to ensuring you don’t get ripped off is to work with a company that’s well respected. Check out life insurance company ratings to see how the experts rate various companies. Choose a company that’s been around for many years. The longer their track record of satisfied customers is, the longer they’ve been providing good service – and the more likely they are to continue to provide it.


Next, consider what types of sites you’re visiting to check out life insurance. There are sites that offer easy comparison tools, and they can be very handy. With these sites you can narrow down the companies out there to see which few you should request quotes from. This is advantageous because it can be quite a process to apply for coverage. However, make sure that when it comes time to buy your coverage you’re buying it directly from a company. Third party companies will sometimes buy the coverage on your behalf, but they’ll take their cut. Cut out the middle man and you could save big.

 | Posted by | Categories: Life Insurance Tips |

There may be discounts out there that could help you save a significant amount of money off your home owners insurance policy, but in many cases it’s up to you to ask for them. One option is to have several policies with the same company. For example, the company you choose may also offer car insurance or other types of insurance. If they do, then you’re likely to get a discount on all your coverages if you choose the one company for them all. They may try to upsell you on these coverages but they don’t always tell you that one of the biggest benefits is a savings to you.


Another way to save money on your home owners insurance Chicago is by increasing your liability amounts. You may find that they’re just where you want them, but take a look at your policy and make sure that you’re happy with all of your coverages. It may require you to wait until your current policy expires to make changes, but it never hurts to get other quotes ahead of time or know what types of coverage you may want to drop. Remember though that many companies offer discounts to their clients who’ve been with them for years, so it may not make sense to switch to a different company if the savings are minimal.

Not all homeowners insurance companies will offer discounts, but some do – and it never hurts to ask. If you’re about to get quotes for coverage, then ask them if they also offer auto insurance. You could save up to 20% if you have one provider for both auto and home coverage. Fires are one of the most common claims people make against their home. Some companies have offered non-smoking discounts of as much as 20% if you don’t smoke in your home and don’t allow others to do so. You can also save up to 5% just for having smoke alarms and fire extinguishers.


If your home was built within the last 10 years, then you could be eligible for a new home discount that could save you up to 20%. Be sure you ask when you get your homeowners insurance quotes because they won’t necessarily add it automatically. The same goes for an alarm system discount of up to 10% – be sure you tell them if you have an alarm system and inquire about any discounts available to you as a result. Remember though that discounts and price aren’t the only factors to consider. You also want a company with a good reputation and good customer service.

Refinancing can seem like a great idea, and for many homeowners it is. However, there are also those who don’t benefit as much from it. What it really boils down to is how long you’ve owned your home and how much longer you have until your mortgage is paid off. If you will be paying the loan off in less than a few years then it will likely cost you more to refinance than you’ll save. Use an online calculator to find out where your breakeven point is, and then decide if it’s worth it. It may be 2 years or 3 years – it all depends on your current mortgage.


On the other hand, if you decide to refinance your loan then you could see thousands of dollars in savings. And of course it’s worth mentioning that saving in the long run is not the only benefit to refinancing. Many people also choose Houston refinance because they want to lengthen the term of their loan in order to lower their monthly rate. Or they simply want the lower monthly payment that comes with a lower interest rate. These people can certainly benefit from a refinance and typically find it well worth the cost and hassle.

It seems as though the government spying into our communications has the United States in a firm and fearful grip. Understandably, no one wants to be spied on. And if you are looking for a company to host your web site, one way to protect any transmission of data between your site and customers is to use PGP encryption. This is short for ‘pretty good privacy’, and is basically used for email security. Most experts say that PGP is the closest to military-grade encryption that a web site owner can possibly get.

PGP is a combination of public-key and conventional encryption. Plain text is first compressed, and then a session key is created, which is basically a one-time-use key. The key works with an algorithm to encrypt plain text and then convert it into a garbled mass of text, called ciphertext. Once data encryption has occurred, the session key also gets encrypted. Both personal and business users seeking the best website hosting may wish to ensure the company being considered offers PGP. This pay be available with the basic plan offered by some hosting companies. And there’s no worry about any bugs, because PGP has been protecting the transmission of data since the early 90s.

 | Posted by | Categories: Webmaster Hosting Tips |

Most business owners understand the importance of having a web site in order to make money. There’s nothing more lucrative than putting your service or business in front of a world’s worth of potential customers. But what if you are only a beginner in the business web site game? If this is the case than there will be little more valuable than a web site hosting option which provides you with tools that are easy to use. Of course, this will apply to business owners who plan to run their web sites on their own.

Some beginners worry about how secure their web site will be in the hands of a web host. And the truth is that no security measure will protect any site from viruses or hacking one hundred percent. But signing up with a reliable host is the first step to ensuring that as many steps will be taken as possible by the company to protect you. Small business hosting that is worth its cost is a company which will regularly back up the data of all of its clients on a regular basis, as well as provide its clients with the tools they need to protect themselves.

 | Posted by | Categories: Webmaster Hosting Tips |

The operating system used by your web host’s server is the first thing to consider when looking for a provider. And there are several to choose from, including Unix, Mac and Windows. Among them, Windows and Linux systems are the most commonly-chosen operating systems, with each having many benefits to the web site owner. If you need FTP access to your server, then you will find that both Linux and Windows offer this access, with Linux also offering ssh and telnet access. You can get this access with a Windows system, but it may not be offered by many hosts.


When writing web pages, many users find that Windows and Linux allow for the easy creation of both JavaScript and HTML pages. However, Windows also offers FrontPage extensions. As far as security is concerned, HostingAndBackup recommends that any web site host you choose a host that has good security at the admin level, as this is more important than choosing a host offering good operating system security. As well, check with your desired host to see if they can offer you the other items you are looking for, such as enough bandwidth for your expected traffic and adequate support should your site run into serious issues.

 | Posted by | Categories: Webmaster Hosting Tips |

Pretty much all experts recommend that you have some sort of contingency plan in the event that the files on your computer become corrupted, your computer crashes or is attacked by hackers. They say that backing up your files using more than one external source is the best way to ensure that all you need is accessible at any time. One external method of backing up all of your important files is by using cloud backup services.  Once you’ve found the right one that has the features and space you need, it’s time to begin your backup.


All files that you upload to the cloud should be encrypted. A lot of the time, the cloud service will do this for you. Usually, all that’s required to back up your files to the cloud is to log into the service, start up any software that you may have had to install, and click the ‘Upload’ button. Depending on the nature of the files you are transferring to backup computer online, you may wish to set security and access permissions so that only those you wish to have access to your files will be able to get to them. Also, it may be a good idea to ensure you have copies of important files stores on external media besides the cloud.