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The 3 BEST Apps for Fans of NFL

Superbowl season may be well and truly over for the year, but it’s never too late to start getting ready for the new season starting in September. Whether you’re an avid Patriots fan, a die-hard supporter of the Raiders, or even if you’re just a regular spectator and don’t much care about who wins, anyone interested in the sport should equip their phones and tablets with ways to keep tabs on the sport and have fun with it. That’s why, today, we’ve compiled a list of the three best NFL apps out there.

theScore [iOS/Android, Free]

theScore is the app for the no-nonsense analytics guy. Not only does it provide stats for every major sport in the states (including NHL, MLB, NBA and, of course, NFL, among others), but it allows the user to have a completely unique experience depending on how they choose to set the app up.

Using the app’s custom Feeds feature, you can make sure that you’re always kept up to date on just the stuff that you care about; so, if you’re only wanting to receive alerts about certain players or teams, you can set it up to do that. In fact, that’s exactly what this app does best!

Likewise, if you care about breaking news, getting real-time scores, or seeing how well a player has done in every game this season so far, this is definitely what you need on your device. In fact, you can even add a widget to your home screen which will update you on scores without needing to even open theScore. Trust us—this is the one for deep stats nerds, so make sure you check it out!

Football Heroes [iOS/Android, Free]

Football Heroes is, without a doubt, one of the most fun and most action-packed football games for mobile devices. Fans of the classic NBA Jam series will lose it when they see what this app has to offer. Featuring charming 2d graphics, over one hundred insane super moves (like the Power Throw and Spear Tackle), and custom teams with fully editable logos and team colors, Heroes is a game that you can pick up for a few minutes and end up losing hours with.

If beating the hell out of the AI opponents doesn’t get you excited, though, how about cross-platform multiplayer games? You can easily battle your friends, either in local ad-hoc wi-fi games or when you’re on opposing sides of the earth thanks to its well-optimized online play, and earn rewards while climbing your way up the online leagues. This game is incredible, trust us.

NFL Fantasy Football [iOS/Android, Free]

For those of you who are obsessed with the NFL enough to make use of theScore, but aren’t into games enough to start drafting a team in Football Heroes, there is a third (equally nerdy) option: NFL Fantasy Football. If you think you could put together the best team in the sport, you can now do it with standard, auction, live draft lobby and mock drafts.

Featuring the option to make adds, drops, and trades, get live score updates, join and create leagues, and providing exclusive access to NFL highlights of all your most-used plays, this is definitely the app to choose if you love fantasy football.

Other bonuses include breaking news about players, analysis from NFL experts, and the ability to manage multiple teams. The app features a beautifully streamlined interface and is being constantly updated, with the last major changes being made in mid-May.

Hopefully, these three apps can help you get started on your way to becoming the #1 NFL expert on earth—or, at least, help you to waste dozens of hours as you watch your fantasy teams climb the rankings.

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Tips for Lowering the Cost of Homeowner’s Insurance

Following a few Tips for Lowering the Cost of Homeowner’s Insurance can save you a bundle of money

Owning real estate property is something nearly everyone aspires to. That being said, being swamped under with homeowner’s insurance is something everyone can do without. While you can always talk to your local insurance agent to see what can be done about lowering your rates, there’s even more you can do to save on your insurance while still enjoying quality coverage.

Take Steps to Protect Your Home

Anything you can do to protect your home from intruders, fire, earthquakes, water damage and the like is sure to help lower the cost of your insurance. This is because a well-reinforced home is less likely to suffer damage, which means you’re less likely to have to file a claim later on down the road. While you might balk at the initial investment of making such improvements, you’re sure to appreciate how much you save in your insurance costs over the years, and there’s also the fact you can rest easy knowing your home is well-protected.

Shop Around

While you might be happy with your current insurance provider, that doesn’t mean you can’t shop around. If it’s possible for you to get the same coverage with a lower price tag by switching providers, take the leap. You might hate to part with your current agent or company, but you also probably hate parting with your hard-earned cash when you don’t have to. Right? Before you change providers, see if your current home insurance company can do anything to lower the price of your premiums without compromising your coverage.

Raise Your Deductible

Increasing your deductible is another way to better save on the overall cost of your homeowner’s policy. Know that it’s possible to lower your premium cost by as much as 25 percent if you’re willing to raise your deductible to $1,000. No matter what your deductible might be, make sure you always have quick and easy access to that amount should you ever have to file a claim. Even better, put the money in an interest-bearing account so it works for you.

Ask About Discounts

Simply asking for a discount is another way to save money on coverage for your home. If you’ve been with your insurance company for a while, you might be eligible for savings. You might also be able to bundle policies if you also need auto insurance or the like. If you’ve never filed a claim, or if it’s been several years since you’ve filed a claim, you might qualify for a discount.

Review Your Policy

Have you had your homeowner’s policy for a while? If so, your coverage needs might have changed in recent years, which means you might not need the same type or policy or need to pay the same price for your premiums. Sit down with your agent to talk about your life and lifestyle. A single conversation can reveal you have coverage on your current policy you don’t need to pay for.

Think Before You Make a Claim

In the event you have to make a claim, think before you reach out to your agent. This is because making a claim can potentially drive up your premiums, and there’s also the fact your insurance company might view you as a policyholder who’s more trouble than you’re worth if you have a history of filing a claim for an issue you can easily take care of on your own. You might not like having to take care of the cost on your own, but it’s better than developing a bad reputation in the insurance world.

Paying home insurance is a necessity, but paying more than necessary for it most certainly isn’t. Let these tips guide you to getting the coverage you and your home deserve without an inflated price you don’t need.

5 ways to protect your children while you’re away

As a parent, you probably spend a lot of time worrying about your children’s safety. That feeling is amplified when you’re away on business or working. It’s never easy leaving a child unsupervised. In fact, depending on their age it could also be illegal to leave them alone or unattended.

However, if your kids are old enough to spend a few hours alone at home but young enough to be at some risk, you need to take certain precautions before you leave them. Here are five ways you can protect your kids while you’re away:

  1. Install surveillance

Surveillance cameras could be your best bet to monitor the house and make sure your children are safe. Try to get an integrated system that hooks up to the internet and lets you livestream video while you’re away. Also, inform your alarm company about the hours you’ll be away so that they can be more alert. Leave signs and posters around the house to advertise your security. This is probably the best way to deter burglars and keep your kids safe.

  1. Create an illusion

Another great way to keep your kids safe is to create the illusion that you’re at home. Leave some of the lights on and keep a pile of unopened mail out the front door. You can even invest in timers that schedule turning lamps on and off. Attackers won’t target a house if they think the whole family is at home.

  1. Keep It Off Social Media

A surefire way to put your kids at risk is to broadcast your location on social media. If you’re travelling or working, keep it off social media so that no one knows your kids are unattended. Nearly eight out of ten burglars use social media to figure out your location before planning an attack.

  1. Trust a friend

If you’ve got a friend who lives close by, get them to check on your kids regularly. You can even ask a neighbour to drop in from time to time. Perhaps the best way to keep your kids safe is to hire a professional babysitter while you’re away.

  1. Train Your Kids

Teach your kids all the basics of being safe while you’re not around. Speak to them openly about the risks and make sure they know the dangers of talking to strangers or leaving the house without permission. Give them a spare pair of keys if you think they can handle it. Get them to check on the electricals and gas stoves. Make sure they have all the emergency contact numbers they might need.

It’s never easy leaving your kids unattended. Sometimes, it’s unavoidable. Make sure you’ve taken all the necessary precautions if you have to step out for a few hours or more.