Personal Finance

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The Fall Fire Season is Coming

October is the worst time for wildfires in Southern California- the hills are dry and the Santa Ana winds are beginning to Howl –

Don’t Be Under Insured – Fire Insurance Secrets from San Diego’s Top Public Insurance Adjuster

Public Adjusters Do Not Sell Insurance – They Help Get Your Insurance Claims Paid After A Disaster

If you live in San Diego County the upcoming October might be very dangerous. In 2003 and 2007, wildfires ripped through the country – from the east county to the coast. It might happen again. Between the heavy growth from this year’s early rains and the reduced fire fighting budget in San Diego, local residents should do their part to be prepared.

Have you traveled the San Diego County back roads lately and seen all the wonderful green on the hills? It looks beautiful now but once the summer heat and winds arrive, that pretty foliage will be converted into potential fuel for another out of control wildfire.

Are you ready?

In addition to making your property fire safe by cutting back brush, removing wood fences and wood structures, and eliminating wood shingles, San Diego residents also need to:

1) Check insurance coverage – are they properly insured?
2) Determine if your home inventory list up to date
3) Have an evacuation plan (including data back up)

Check Your Insurance Coverage

Every year, the costs to rebuild go up. Is your homeowner’s insurance policy coverage keeping up with the increases in building and construction costs? If your home does burn down, will your insurance policy cover the new codes and building regulations? Many policies are limited to just rebuilding what you are already have.

In the two big previous San Diego wildfires, the 2007 Witch fire and the 2003 Cedar fire, many homeowners discovered after the fact that their policies were out of date and they were under-insured.

Even with the threat of wild fire danger, we believe that most San Diego County homeowners are still under insured. According to most insurance companies, it is the responsibility of the homeowner to determine the appropriate levels of insurance for their property, not your insurance agent. An agent or broker cannot know the value of your property and your possessions as well as you can.

You have to take the responsibility to properly insure your house.

Review your policy to see what kind of coverage you have. Do you have Replacement Cost or Actual Cash Value? Guaranteed Replacement Cost is the best but also the most expensive. Remember, don’t base the replacement cost limits on the amount of your mortgage.

When examining your existing policy, make sure that all of your personal property is correctly insured. Do you have extensive or expensive landscaping, trees, plants or shrubs that need to have higher limits? Determining the actual replacement cost value of your property is not easy or simple. Make sure your agent does the work.

By the way, you can click here for more information and to get a free Homeowners Insurance Guide Checklist.

How to Know What You Might Need to Replace?

Every year, you and your family should update your home inventory list. This is a list of all the items that your family owns that you would want reimbursement for should your home burn down.

In addition to large items like furniture, appliances, major electronics, cars, boats, etc., this should also include clothing, pots and pans, seasonal items, tools, cameras, jewelry and all the other property that you and your family own in the house.

After a disaster, one of the biggest challenges people face is preparing a list of their personal property destroyed in the fire. What was it worth?

Even in the best of times, you will find that you cannot remember everything or the specific details. Now add in the stress of disaster, desperately searching for a place to live, and just getting to work every day, and you can see how recollecting the details of your lost belongings, what they were, how much they cost, and when you got them, can be an almost insurmountable task.

Preparation can provide a little peace of mind. You can download a free Home Inventory List from San Diego’s Quality Claims Management, and work from that. You can supplement the list with still images and videos of the various items. A good technique is to go room by room, cataloging the various items and taking video or a picture of it. For example, when doing the bedrooms, take your items out of the shelves and the closets and place them on a bed and make a visual record. In the kitchen, pull out the various pots and pans, silverware and dining sets and seasonal items, and display them on a counter or a table for photographing.

You might want to make a family activity out of this and involve the kids as well, especially when documenting the items in their bedrooms, den and garage.

Enter all this info into your computer, along with the images, and burn a CD or two. Once the data is done, make sure you keep copies outside of the home. Maybe send one CD to a relative, put another in a safe deposit box. It doesn’t make sense to have your inventory list burn up with the rest of your possessions.

Offsite storage should also extend to your computers and the info they contain. In addition to storing back up drives, CDs and data outside your house, there are a variety of free online back up services. Do an Internet search for “Free Online Back Up”. Several of these businesses offer free storage of up to 2 gigs. For a few dollars a month, many services enable you to regularly back up all your information so it is protected.

Have an Evacuation Plan

Begin by reviewing your insurance policy. What kinds of emergency help are you entitled to?

Most insurance policies provide coverage for you and your family to stay in a residence similar in size and quality to your current residence. During a wildfire, or right after your home is destroyed, is not the best time to start thinking about this. Every year or two, look around and identify nearby hotels that may be available in an emergency. Is it big enough for you and your family? Is the location convenient to schools and work? Is it kid friendly? If you have pets, especially large ones, can you take them there?

If your pets are too large or too exotic for a hotel, what will you do with them? Prepare a list of various boarding facilities and stables that could possibly take your animals in case of a disaster.

Finally, how is your family going to evacuate? Who is going to take what? Depending on the ages of your children and whether or not they have cars, you might want to assign responsibility for the family possessions to specific individuals. If the kids are in school during a fire, what is going to happen? If mom is off on a business trip when a wildfire event happens, who will evacuate what?

If the family gets separated, where is everyone going to meet? Who is responsible for the pets? If you live in a fire danger zone, it makes sense to sit down periodically as a family and discuss these matters.

This summer – 2010 – may be a hot one. Hopefully, San Diego will not be torched by any wildfires. But it is always wise to be prepared. You will be able to sleep a lot better knowing that your family, your home and your possessions are adequately protected.

* Make sure you have an evacuation plan.
* Make sure your inventory list is up to date and all your important information, photos, videos and other data are backed up somewhere outside of your home.
* Contact your insurance agent to make sure that your have appropriate insurance and adequate coverage for your property.


October 19, 2010 Posted by | Finance | Comments Off on The Fall Fire Season is Coming

Personal Financial Management has never been easier

Personal Finance Management not everyone cup of tea for years, especially for those who have no experience in business and management. Financial need will be to plan your work easier and ensure the success of your financial goals. Here at our website, we provide useful information for a detailed comparison of a clear funding facilitates their work.

management of personal finances is perhaps the easiest task. If you’re one of those who manage their own finances, you will not find this activity as the most pleasant. It takes time and attention, but it is essential that you or your family, well-years. You can find a helping hand here on our website, where you have updated the information you need to compare a realistic funding.

An important element for the effective management of their personal finances is financial planning. This dynamic process requires regular monitoring and evaluation. Otherwise, you run the risk of problems of lack of evaluation, which can damage your financial control. You need to control this process repeated checks circular and intelligent handling. The following five steps to organize and facilitate your planning.

The first step is an evaluation of an SOA personal financial situation. To do this, based on a sheet of paper, all personal property, income and results. You must use a simplified scale for a list of the values of personal property (car, house, stocks and bank accounts), and the values of liabilities (such as credit card debt, bank loans and mortgages) . Also, make sure you have a list of income and personal expenses, a statement of personal cash flow.

The second step is the most pleasant and goal setting. At this stage, we need to develop their material desires, in financial terms. You can use the long-term goals can retire 65 years with significant personal wealth. You can also intends in the short term, for example, buying a house or a car by paying a monthly mortgage of 3 years but not more than 25% of monthly income. You can also create multiple objectives, both long term and short term, within the limits of their financial resources.

After defining the objectives, develop an effective plan to achieve them. The management plan must specify the measures you need to do business. This is the third and most difficult part of managing their personal finances, as it requires a thorough investigation into the most favorable loan, mortgage or investment agreements. A simple way to solve this problem is to use the services we offer on our website where thousands of listings available updates for the adequate funding of the equation. That way you can avoid or reduce planned financial sacrifices such as reducing costs or increasing your income from employment.

Implementing a financial plan AOS personnel, monitoring and reassessment are the fourth and, consequently, the fifth step in personal finances and effective management. Discipline and perseverance are necessary to accomplish this part of the plan. As time passes, the deliberate application of each action, including the financial plan associated with monitoring and evaluating the implementation of the financial plan.

Manage your personal finances has never been so easy. With access to every piece of information you need, a realistic comparison can be financed and most efficient, you can create a personal financial plan to develop. Here, we offer you the opportunity to thousands of offers of credit, loans, insurance and investment in the United Kingdom and for comparison purposes only.

Here at our website, you will find detailed information on all loans, loans, insurance and investment can be used an effective funding equation. personal finance management has never been so accessible.

August 26, 2010 Posted by | Personal Finance | , , , , | Comments Off on Personal Financial Management has never been easier

Fix Bad Credit Repair Bad Credit Bankruptcy Do It.

Never feel that the only thing you can think of? While driving, at work, talking to people wherever you put your mind on the “credit repair credit bankruptcy bad bad not to.” Want to go? Be more than a few million people who do.

bad credit rating is terrible, like a belt around his neck each time you visit a mall, look at a commercial or reading an advertisement. There are ways to recover from a situation of bad credit, but tend to be difficult so be prepared.

Facts and figures

Did you know that three out of ten credit reports have incorrect information on them? Yes, sir. But again, while the volume of information that the three credit bureaus – Trans Union, Equifax, Experian and – one, two or three mistakes that floods are not uncommon. Moreover, it is not right to keep records. They are simply attention to the information necessary to maintain, whether successful or not.

That said, you are free to use, check your credit reports, and solving their problems. Did you know that if it denied credit, you are entitled to one free credit report? Not things start to look better? The phone numbers are in a phone book or simply ask your bank for them too.


Having bad credit is not as if you were a bad taste in the mouth, is the real deal. Banks and other financial institutions look at you as a risk, then think several times before giving the credit, refused credit for most of the time. For this article, you begin to fix your bad credit as soon as possible.

August 26, 2010 Posted by | Finance | , , , , | Comments Off on Fix Bad Credit Repair Bad Credit Bankruptcy Do It.