More Than Finances

All about cryptocurrency, all the time.

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Should You Buy Bitcoin from Coinbase?

Bitcoin

Coinbase established itself as one of the world’s largest cryptocurrency exchanges. It has a 10 million strong user base which has created $50 billion worth of transactions on the platform. Coinbase operates exchanges of Bitcoin, Ethereum, Bitcoin Cash, and Litecoin. These are facts very few people now. Thus, it is no surprise that not much is  known by the general populace about Coinbase. Coinbase strikes a chord of intrigue. Its important to explore its workings to unearth the practices of the digital currency exchange and factors to consider when deciding on whether to buy bitcoin from Coinbase Read More

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Avoid These 6 Common Life Insurance Mistakes

Life insurance is designed to minimize the financial pain left behind by the passing for your loved ones, during a time when the last thing on your mind is money. Life insurance policies are difficult to understand, so it’s essential you steer clear of common problems so you can secure a policy that is catered to you. When shopping for life insurance, keep these tips in mind to avoid making costly mistakes.

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Pros and Cons of Making a Homeowner’s Insurance Claim

homeowners claim

Figuring out whether to file a homeowner’s insurance claim can be a challenge. After all, you pay for coverage to help you after an incident, so putting it to use seems wise. However, there are risks for filing, and some of them can cost you big. With that in mind, here are some of the pros and cons of making a homeowner’s insurance claim.

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Handling Claims: What You Need to Know About Your Bottom Line

key-949094_640Car accident claims can be complicated and your insurance is certainly going to want to be sure of who is at fault in an accident.  Yes, we pay premiums to ensure that accidents will be covered, but what insurance agencies don’t mention is that they will pass off the expenses to you or another party if they believe the accident can be listed as not covered.

This, in turn, can affect your bottom line, which is directly connected to your wallet and livelihood.  That is why it is important to contact an experienced professional to handle this situations.  There are a wide variety of car accident lawyers that know how to protect your car accident claim and you should arrange a consultation soon after your accident to ensure a smoother process.

Is there anything else I can do to protect myself?

Indeed, there are plenty of steps that can help to keep you protected.  As mentioned, the first is to contact an attorney to handle your claim, as they will know all of the regulations and can handle the insurance company with far more success.  In addition, you can:

  • Arrange an emergency savings
  • Take plenty of pictures of the accident scene (police will do so as well in many cases)
  • Get the information of all witnesses
  • Immediately contact your insurance company

As you can see, these are just a few things that will help to expedite your claim and make the process easier for you in the long run.  Things like taking pictures may also strengthen your case if it goes to court, as your attorney will have plenty of visual evidence with which to argue your case.

Can I be compensated for lost time at work?

Yes, lost time at work is certainly something that your attorney will factor in during your case.  It is their job to ensure you are fairly compensated for lost time, damages, vehicle replacement, rental fees, medical bills, and often hardship payments as well.  Be sure to discuss all of this with your attorney in order to be sure that you are not leaving anything out.

Are there any resources I can turn to for help?

Many churches and county agencies are available nationwide to help families in times of need.  Your attorney may have a list of local agencies to whom you can turn for assistance while you are in recovery.  Assistance with food, rent, electric payments, and even counseling services may be available in your area if needed.

Remember to include this information for your case if you need to seek help.  This is information that will help your attorney to build a solid case for you, as the need for assistance certainly shows hardship.  If you are involved in an accident that results in lost time at work, remember to also speak to your HR Department and fill out any necessary paperwork for Temporary Disability, as that will help to ensure you have some income during your recovery as well.

By taking the right steps and hiring an experienced attorney, you can be sure to protect your bottom line and reduce the stress that these cases often bring about.  Do not hesitate to ask questions and be sure to give your attorney all of the relevant information they need to provide a successful outcome for your case and get you back on your feet.

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MAKE SURE YOU’RE INSURED BEFORE YOU RIDE

Whether you choose four wheels or two as your primary mode of transport, you potentially face many risks and pitfalls. Stalwart bicycle and motorcycle enthusiasts who prefer handlebars to a steering wheel, need to know that insurance is an absolute must.

Before considering motorcycle, car, and/or bicycle insurance it’s important to do some research, and with a great variety of insurance comparison websites online, the job is much easier.

BICYCLES:

Cycling enthusiasts or those who ride a bike for recreation are at risk every time they mount up. Not only are they vulnerable to being knocked off their bike by motorists, but cyclists can also cause damage to other vehicles and pedestrians. Bicycles are also a favourite prize for thieves. Some bicycles are extremely valuable and like all your possessions, should be insured against theft or damage. If you or your family own more than one bike, it’s even more important to ensure that all bikes are covered in case of damage, loss or theft.

The first step is to check your home and contents insurance policy to see if your bike is included in the list of valuables. This might be sufficient for some people, but if you plan to actually ride your bike, and it happens to be stolen while you are away from the home, you obviously won’t be covered. Also, if you belong to a cycling club and ride competitively, you’ll want to consider a higher level of insurance.

Those insurance companies (http://www.nrma.com.au/bicycle-insurance) who deal specifically with covering cyclists will usually include:

  •  Theft from home or away from home, including overseas
  •  Personal accident cover
  •  Loss, or damages sustained in transit, for example on roof racks or on a bus or train
  • Accidental damage or crashing whilst racing or competing
  • Accidental damage or crashing whilst riding in any situation

As with all insurance policies, it’s important to ensure that you have enough coverage on your bicycle, as some insurers may impose a cap or limit on the amount insurable.

MOTORCYCLES:

The risks that apply to bicycle riders also extend to motorcycle riders. However, insuring your motorcycle is different to car, and/or bicycle insurance. In terms of risk to the insurer, there are a number of factors to consider.

  • Comprehensive Motorcycle Insurance protects you if your motorcycle is damaged, or you damage someone else’s property, or if it’s stolen. Comprehensive policies even cover theft or loss of expensive riding gear like helmets, boots or other valuables in storage compartments on your bike.
  • Basic Third Party Motorcycle Insurance is general cover which protects you if you cause damage to someone else’s vehicle or property. Premiums vary between insurers, but it’s an affordable option favoured by many motorcyclists on a budget.
  • Anti-theft Motorcycle Insurance provides a cheaper option and will cover you if your bike is stolen and is not retrievable. This includes replacement with the same make and model if you purchased the bike brand new. If your bike is damaged as the result of theft, this insurance will pay for repairs and on-road costs.

Cyclists and motorcyclists alike enjoy the freedom of getting around on two wheels, so it is of paramount importance to keep safe, protect your property – and make sure you’re insured before you ride!