Healthy Moola

I believe in getting the most for your dollar, okay many believe that. I like to shop around before I buy something that requires a lot of money. One thing that requires a lot of money is insurance. Sometimes you can pay a lot for insurance and really not get the best possible coverage. Auto insurance is one those things everyone should have. If you are lacking car insurance or need to find a better provider, use the web to get auto insurance quotes and find the best deal for your buck.

Surcharges are often written in the small print that no one can read unless they have a powerful microscope. You wonder how a bill adds up so quickly, it is the all powerful surhcharges. I found some of the most common surcharges:

Airline Bagagge fees: It is assumed most people will check a bag or two in when flying but they charge you for it anyway. Unless you plan on visiting a nudist resort there is no way around this fee. The best thing is to take only one suitcase

Hotel fees: another baggage fee for when you leave your bag with a person in between the time you check out and the time you leave for the airport.

Cellphones: a no brainer here. If you terminate your contract early expect to pay $150-200 fee for early termination. Again this is in the small print

Closing Costs: it is bad enough you take out a mortgage for 30 years but you have to pay for closing costs at the same time as having a down payment on your house. Look around, you might find a lender with no closing costs this alone can save you almost a $1000

Overdraft: banks offer free checking accounts but how do they make money. They really hope you overdraw your account because that is how thye make money off of you.

Another should be all the whacked out charges on the phone bill. For basic phone service before fees and taxes and all that it is $19.99 when the bill comes $27.17 a huge difference.

To ensure that you have the best coverage at the cheapest price, you might want to spend a little time getting a car insurance quote from different companies. Many insurance websites offer one stop quote from different carriers. Of course, you can visit each website of major carriers and see if they are running any specials to help save you more money. Just because car insurance is necessity doesn’t mean you have to pay through the nose.

This is the time to buy stocks. Why? Because stocks are low and this is a great time to buy some shares in companies. Many companies will bounce back in time and if you stick with them you too will see returns.

If I bought stock, I would buy in companies like Wal-Mart (really I don’t seem them going out of business any time soon),  green energy ( there is an untapped future here and I would love to jump in on it before it becomes huge) and an entertainment  company such as Viacom (CBS and affiliates). Buying company stock is making an investment in that companies future you can choose safe bets or choose companies you like. Its your money and you should spend it companies you would be proud to support.

Many people want to be in business for themselves. Some people have a specialized skill and  capitalize on it others have a great idea and start  from there. If you want to start a business but don’t know what to do, franchises are a great way to start. With franchises, the people already know the brand and is brand they can trust. In essence you are working with a business that already works, you just need to make your franchise bring you money which you can with a little work.

Have a great day

Before buying life insurance it is always wise to get multiple life insurance rates. Doing a little work now can save you a boat load of money later on. Even if you use tobacco products, different companies offer different rates. Searching on the internet, you might be able to come across websites that will offer you quotes from different companies. Life insurance is something everyone should have and why not save money for something you need.

If you are in need  of a passport you might want to look into americanpassport.com. Here you can get an expedited in about 24 hours for $59 not including government fees or shipping. You can also apply for visas and rent global cell phones. This is very helpful for those business men that have to go overseas in a hurry. This is a real passport and visa .

Check it out if you need a passport or need to renew it.

Car insurance is one of those things that you really should have. Perhaps you would like to switch providers or might even need car insurance.  You don’t need to call or visit your local agent, why not buy car insurance online? You can browse and get quotes for the coverage you need at any time of day or any day of the week. If you had the time to read this then you have time to purchase car insurance.

Have a nice day!

I know in some states you do not need to have car insurance. This is not a good idea because if you look further into the law some states might have a law where you are in a accident it is still your fault even though it may not be. If you currently don’t have auto insurance then do a little shopping because even having minimum car insurance will save a lot of head ache a lot later on.

When it comes to real estate, I am pretty loss. I have the basics realtor sells you a house and then you get a mortgage then move in. I also know real estate is a wonderful investment and can make you a lot of money or at least a comfortable living off of renting or reselling properties.

There is a really good site with tons of useful real estate information DROdio.com is the main site for DROdio Real Estate a real estate brokerage firm in Washington DC, Virgina and Maryland. Here one can search for real estate by state and then by town with in that state. The thing that caught my eye while I was looking through the site and that was the expert advice section. The most popular was an article called “How to Buy a New Home for a Penny at Closing” If I could buy a house for a penny at closing, I will be buying a home today. There is a video tutorial section dealing with such topics like “How to Buy a Foreclosure Homes”

If you are looking to buy or sell real estate in DC then check out DROdio, meet the owner for some coffee. You have nothing to lose.