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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.

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3 Vastly Different Career choices suitable for those with a Degree in Law

Those who obtain a degree in Law will have lots of opportunities upon Graduation. The Law degree is a well rounded and respected qualification which does not only help you become a qualified lawyer but provide you with opportunities to work in a number of areas. Law Graduates should be sure to use an agency to find the right legal job.

Below are 3 careers, the first obvious and the other two less so to show the broad spectrum of jobs available to Law Graduates.

law degree

Barrister

Starting Salary Upon Qualification: £25,000+

5 years of experience working privately: £50,000 – £200,000

One of the most obvious roles available to those educated in the field of Law is to become a Barrister. As the most high profile kind of lawyers Barristers will appear in court, arguing cases and defending their clients. The job requires a strong attention to detail since Barristers must prepare how will they present their client’s case and deliver it carefully with confidence and authority.

Solicitors are the ones who usually hire Barristers to represent court cases but is common for clients both individuals and organizations to directly seek out well established and experienced Barristers who they would like to represent them in court. Many barristers work on a self-employed basis while others directly represent law firms, governments & agencies.

 

Tax Advisor

Starting Salary Upon Qualification:  £26,000 – 36,000

Senior Management Positions: £95,000+

Those interested in numbers and finance will likely make good candidates to become Tax Advisers. Those with experience in studying law will likely have developed the people skills which will come in handy in a job consulting with and advising clients. Graduates who have completed Financial Law modules will likely already have a decent knowledge of taxation law and will be in a good position to qualify as chartered tax advisers as the cross over into this field is not so vast.

Upon qualification tax, advisers will advise clients how they can use legal tax-efficient strategies to ensure their clients have the knowledge to make the right decisions. There will be those who focus on assisting individuals on a personal level as well as corporate tax advisers who deal with companies.

 

Coroner

Part-time Salary: £50,000

Full-time Salary Expectations:: £83,000-£104,000

The job of a coroner is of course not for the faint-hearted. You will be dealing with ‘the dead’ on a constant basis. However, the job is very important and can also be extremely rewarding financially for those who opt for this kind of career. Your job as a coroner would be to investigate the cause of death when it is unknown or suspicious. The tasks involved are varied with coroners required to consult medical professionals and conduct a post-mortem as part of their investigation.

While this is unlikely to be the career that most Law graduates picture when coming out of university it is actually quite a common career path for Barristers to move into. Those with a forensic law background will be the most suited to the job. What attracts most people into this line of work this is, of course, the salary. Unfortunately, death is something which is always going to occur making this an emotionally difficult yet very stable career.

The Best Advice for Getting Through Your Divorce and Moving On

 

When we get married we vow to love our significant other forever. And for the vast majority of us, we take this commitment very seriously and so wall we can to keep these vows. Unfortunately however, marriages often end in divorce and when they do it be contentious and draining.

When we go through a divorce however, because the stakes are so high, we need to do all we can to remain calm and collected and focus on the present and the future even though the past seems like it is what is most important.

Here is some great advice for anyone going through a divorce on how to get through it and come out whole on the other side.

Pick the Right Type of Attorneys

In terms of picking the right attorneys, you need to select a law firm that has all of the attributes to get you the best settlement and also help you through the toughest parts of the divorce. If you are looking for a great divorce and family law firm in the Sydney Australia area, try Prime Lawyers.

To get you the best settlement, the law firm you select needs to be knowledgeable about family law in your state and have a proven track record for satisfying their clients. They should also be very communicative with you and keep you abreast of everything that is going on with your case at every stage. They should communicate with you in common language and allow you to ask any questions whenever you see fit. They should also give you an entire breakdown of the process and what will likely happen when. IF they recommend any actions you need to take including a settlement, they should clearly state your options and tell you why they are recommending the one they choose. This level of professionalism is what will make you feel comfortable and confident while going through your divorce.

The toughest parts of the divorce will likely be dealing with any of the issues around your young children, and having to get into what will be a tense situation with your soon to be former significant other. In terms of the young children if any are involved custody will be a major tension point. Neither party will ever feel comfortable no matter the arrangement.

Most divorces come about because of a series of issues that are very hurtful and emotional. One party feels wronged and is angry and very vengeful. The other party might share these emotions or at least feel misunderstood and defensive. This combination of attitudes and feeling can be explosive.

Your attorney must understand these very sensitive issues and how to guide you in a way that takes into account that they play a major role in any settlement reached.   In the case of young children the attorney must be mindful that you and your spouse will be in each other’s lives for a long time and for the good of everyone calm is the best approach. Regarding the reasons for the divorce, whether it was infidelity, or some other emotionally charged reason, the focus should be on moving on and putting the past behind you. Attorneys can play an important role in these issues and need to take the lead by setting the right tone for the divorce proceedings.

Keep a Good Relationship with Your Children

Divorces can often get so nasty that the couple completely forgets that thee are young people caught up in this process that have no idea what is happening. They know that mommy and daddy are angry and that things are about to change, but they cannot fully process the meaning behind what is occurring. During a divorce, especially a nasty one, one or both of the parents tend to retreat and pull away from the kids and this is a big mistake. In fact the opposite should occur. Children can often feel as if they are the cause of a divorce and this can stay with them for a long time. The parents need to both be there to talk them through what is happening and to let them know that it is not their fault and that you will both continue to love them as always. Make sure that you take extra time and as much as you can keep a routine with them. This will make all the difference to them as custody arrangements become clear.

Remember That the Bad Times are Temporary

When you are going through a divorce it will likely seem that the good times in your life have come to an end and all that remains is pain and misery. This might be bolstered by arguments between you and your spouse that get really nasty, threats that are made and an understanding that you will have to start over completely when the divorce goes through. There is no denying that it will be a bad time for you and your emotions will take quite a beating.

But remember that given time the bad times will pass and things will become less intense and stressful. You will also likely move on and find a new love.