• Latest

It’s the season for sunshine, barbecues and big changes

August 2, 2014
Central Vermont Home Health & Hospice, Good Samaritan Haven, & People’s Health & Wellness Clinic Collaborate to Offer Free COVID Surveillance Tests to Homeless Central Vermonters

Central Vermont Home Health & Hospice, Good Samaritan Haven, & People’s Health & Wellness Clinic Collaborate to Offer Free COVID Surveillance Tests to Homeless Central Vermonters

April 13, 2021

GOP Petition Opposes Service Tax

April 13, 2021
Ahhh…The Aroma! 802 Coffee Comes to Barre

Ahhh…The Aroma! 802 Coffee Comes to Barre

April 13, 2021

Night of the Living Dead (1968)

April 13, 2021
Just Some Thoughts

Hoeing Out, and other Signs of Spring

April 13, 2021

VT Organizations Partner to Present “The People’s Law School”

April 6, 2021

NRRA “Recycling with Results” Virtual Conference

April 6, 2021

PoemCity 2021

April 6, 2021

Sound of Metal

April 6, 2021
Mayor’s Report – September 2019

Mayor’s Report – March 2021

April 6, 2021

Coronavirus Legislation Benefits both Restaurants and Business Owners with 2-Year 100% Tax Deductible Dining Expenses

March 30, 2021

IRS and Vermont Extend April 15 Income Tax Deadline to May 17

March 30, 2021
  • Home
  • Disclaimer
  • Privacy
  • Sitemap
Wednesday, April 14, 2021
The World Online
  • Home
  • News & Features
    • Local News
    • Letters & opinions
    • George Shuman
    • Max’s View
    • Local Sports & Outdoors
    • Births
    • Weddings & Engagements
  • Calendar
    • Art Exhibits
    • Calendar of Events
    • Ongoing Events
  • Obituaries
  • Submit
    • Submit Calendar Listing
    • Submit An Article To The World
    • Submit Letter To The Editor
    • Submit Sports News/Photo
    • Submit Birth Announcement
    • Submit Engagement Announcement
    • Submit Wedding Announcement
  • Advertising
    • World Rates and Ad Sizes
    • World Distribution Map
    • World Deadlines
    • Audit and Reader Surveys
    • Advertising Inquiry
  • Classifieds
    • Place Classified Ads
    • View Current Classifieds
  • About Us
  • Contact Us
No Result
View All Result
  • Home
  • News & Features
    • Local News
    • Letters & opinions
    • George Shuman
    • Max’s View
    • Local Sports & Outdoors
    • Births
    • Weddings & Engagements
  • Calendar
    • Art Exhibits
    • Calendar of Events
    • Ongoing Events
  • Obituaries
  • Submit
    • Submit Calendar Listing
    • Submit An Article To The World
    • Submit Letter To The Editor
    • Submit Sports News/Photo
    • Submit Birth Announcement
    • Submit Engagement Announcement
    • Submit Wedding Announcement
  • Advertising
    • World Rates and Ad Sizes
    • World Distribution Map
    • World Deadlines
    • Audit and Reader Surveys
    • Advertising Inquiry
  • Classifieds
    • Place Classified Ads
    • View Current Classifieds
  • About Us
  • Contact Us
No Result
View All Result
The World Online
No Result
View All Result

It’s the season for sunshine, barbecues and big changes

by
August 2, 2014
in Auto
0

As temperatures rise and the economy shows signs of improvement, many Americans are warming to the idea of making major life changes. For many, spring is the season for getting married and shopping for new cars or homes. Big life changes can mean significant financial investments.

If you’re planning for a major life event, you’re likely focused on the immediate cost. But it also is important to take the time to consider the what-ifs—those unexpected and potentially costly crises—that can derail the best-laid plans. A video by The National Association of Insurance Commissioners (NAIC) illustrates what can happen.

According to the NAIC, one smart way to avoid surprises is to fully educate yourself about the insurance implications of any big investment early on, before something bad happens that may require filing an insurance claim. It pays to do your homework and ask the tough questions before you say “I do” or “sold.”

5 tough questions to ask before tying the knot

1. How might our individual credit and legal histories impact our combined financial future?

2. Beyond rent or mortgage payments, have we budgeted correctly for our planned
living arrangements?

3. What financial responsibilities do we have to family members, today and in the future?

4. Do our individual financial safeguards such as health savings plans, life insurance, certificates of deposit, etc., still work now that we’re a couple?

5. Are there any special financial issues in either of our medical histories?

Insurance considerations for getting married

Before automatically combining insurance policies, make sure you know your spouse’s driving history, and confirm that the renter’s or homeowners policy you plan to keep covers all of your valuables combined. Carefully review existing policies brought into the marriage. You may be able to get the same coverage at lower premiums, as most insurance providers consider marriage a qualifying event that allows you to make policy changes outside the open-enrollment period.

5 tough questions to ask before buying a car

1. Beyond the sale price, what other costs of buying and owning a car have I considered?

2. What can I do immediately to save on car-related expenses in the future?

3. What are my responsibilities if my car is involved in an accident?

4. What can I do to protect myself if my car is vandalized and someone steals personal belongings?

5. What are my responsibilities if my car is totaled and I haven’t paid off the loan?

Insurance considerations of buying a car

In addition to the monthly payment, insurance premiums should be a key component of any vehicle cost analysis. You can shop around for the best rates, but expect to pay more to insure popular models like SUVs or convertibles. Another way to lower premiums is to purchase a used vehicle already loaded with safety features. You also may save money by bundling your auto policy with other coverage such as a homeowners’ policy.

5 tough questions to ask before buying a home

1. Beyond the sale price, what other costs should I consider before buying this house?

2. What improvements can I make to this home now to save money in the long run?

3. How would I handle the financial burden of an unexpected disaster affecting my home?

4. What’s my responsibility if someone is hurt on my property?

5. What are the financial pros and cons of operating a home business?

Insurance implications of buying a home

You probably know your credit score will affect your ability to secure a favorable home loan. But did you know your credit rating can affect insurance rates? Insurance premiums vary by geographical location and are based on the age of the home being purchased. Before you buy, be aware of natural disaster risks in the area. Features such as smoke detectors, burglar alarms and sprinkler systems can lower insurance rates. If you’re considering a fixer upper, remember that a home improvement investment of $ 5,000 or more can change a home’s value and insurance coverage.

For more tips, tools, videos, interactive games and downloadable apps to help you get smart about insurance before you really need it, visit InsureUonline.org.


Tags: barbecueschangesIt'sseasonsunshine
Previous Post

Nomophobia: When a modern smartphone affliction leads to addiction

Next Post

Commercial ventilation systems 101: What every restaurant kitchen needs

Next Post

Commercial ventilation systems 101: What every restaurant kitchen needs

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

This Week’s Ads

  • Home
  • About Us
  • Disclaimer
  • Privacy
  • Sitemap
The World
403 US Route 302
Barre, VT 05641
Phone: (802) 479-2582

Copyright © 2019 The World Online. All Rights Reserved. Powered by CoolerAds.

No Result
View All Result
  • Art Exhibits
  • Audit and Reader Surveys
  • Births
  • Calendar
  • Contact Us
  • Daily Horoscope
  • Fall Dining Guide
  • Food & Recipe
  • Home
  • Obituaries
  • Ongoing Events
  • Pay Your Bill Here
  • Senior Living Edition
  • Showtimes
  • Submit Birth Announcement
  • Submit Calendar Listing
  • Submit Engagement Announcement
  • Submit Listing to our Local Directory
  • Submit Sports News/Photo
  • Submit Wedding Announcement
  • Testimonials
  • The World Coupons
  • Weather Forecast
  • World Deadlines
  • World Distribution Map
  • World Rate Card
  • World Rates and Ad Sizes
  • Disclaimer
  • Privacy
  • Sitemap
  • About Us
  • Vermont Lottery
  • Advertising Information
  • The World Staff
  • Advertising Inquiry
  • Submit Letter To The Editor
  • Local Directory
  • Poll Results
  • Local Deals
  • Classifieds
  • Submit An Article To The World
  • Events
  • The World – This Week’s Online Digital Edition
  • The World Auto & Sports

Copyright © 2019 The World Online. All Rights Reserved. Powered by CoolerAds.

Login to your account below

Forgotten Password?

Fill the forms bellow to register

All fields are required. Log In

Retrieve your password

Please enter your username or email address to reset your password.

Log In