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Determine if you would benefit from securing rental car insurance.
When renting a car, it’s natural to think that you need insurance from the rental car company to protect your journey. While they may want to sell you auto insurance coverage with all of the added bells and whistles, it’s wise to first consider if you actually need insurance. Before you drive your rental car off the lot, here are a few basics you need to know.
Before you take out the rental company’s car coverage, you’ll want to see whether you’re already covered by your own personal insurance policy and credit card benefits.
Typically, there are four coverages available when you rent a car:
- Loss-damage waiver: Covers you for liability if a car is damaged while you are renting it. If you don’t have this coverage, the rental car company could charge you for loss of use during repairs, as well as any repair and towing charges. If your primary insurer doesn’t cover these, you’ll need the waiver.
- Liability coverage: Encompasses damage to any property as well as medical expenses for passengers in another vehicle if you’re in a collision.
- Personal accident insurance: Covers medical costs for you and your passengers in the event of an accident.
- Personal effects coverage: Covers valuables you keep in the car in case of theft or damage.
Are you covered already?
If you aren’t already an insured driver, you’ll want to take out the car insurance from the rental company. However, if you already own auto insurance, you may be covered already.
- Check to see if you have adequate liability limits.
- If you have comprehensive and collision coverage, you may consider declining the rental company’s loss damage waiver.
- If you have adequate health insurance, you may not need the company’s personal accident insurance.
- Review your home or renter’s insurance policy. This should cover your belongings wherever you take them, meaning it’s safe to decline the rental company’s personal effects coverage.
- See if your credit card offers any benefits for putting the rental car payment on the card. Some cards will offer complimentary insurance.
Whip up this delicious paella for springtime eating!
Now that spring is here, it’s time to indulge in the wonderful produce that the season brings. Perfect for the season is paella! While it isn’t a ready-in-ten-minutes meal, it is well-simmered, full of flavor, and can be used for lunches, dinners, and lunches again! Check out this delicious recipe for vegetable paella.
- 1 tablespoon olive oil
- 2 teaspoons salt, divided
- 2 green garlic shoots or 1 clove of garlic, chopped
- A quarter of a red pepper, sliced
- 8 asparagus, sliced
- 7 white button mushrooms, quartered
- 1/2 cup tomato purée
- 4 cups vegetable stock
- 3/4 cups water
- 1 spring of rosemary
- 1 bay leaf
- 1/4 teaspoon smoky paprika
- 3 tablespoons soy sauce
- Pinch of saffron
- 12 oz of paella rice
- Quartered artichoke hearts
- Sun-dried tomatoes
- Lemon slices
- Using a paella pan, pour the oil into the middle of the pan and sprinkle 1 teaspoon of salt in a circle around the oil. Heat over medium heat and add the green garlic shoots or garlic to the oil. Fry until soft and translucent, then remove from pan and reserve.
- Bring about a quarter of the salt into the oil and add the red pepper to the oil. Fry until crisp-tender. Remove and reserve with the garlic.
- Bring another quarter of the salt into the oil and add the asparagus. Fry until crisp-tender, then remove and reserve with the pepper.
- Finally, bring in the last bit of salt to the oil and add the mushrooms. Fry until beginning to soften, then remove and reserve with the other vegetables.
- Add the tomato purée to the pan and simmer over high heat for about 2 minutes until reduced and very thick. Add in the vegetable stock and water and bring to a boil. Add the rosemary, paprika, and soy sauce and boil for 5 minutes. Reduce heat to minimum and add the saffron and 1 teaspoon of salt. Leave for 30 minutes on the lowest heat. It should not be simmering, just a tiny wisp of steam coming off the pan.
- After 30 minutes remove the rosemary and bay leaf and add the rice and spread it out around the pan. Raise heat to high and boil for 7 minutes. Reduce heat to medium and simmer for 6 minutes. Add the fried vegetables, quartered artichoke hearts and sun-dried tomatoes to the rice and reduce the heat to medium-low. Cook for 6 minutes. By now the rice should be cooked through but not mushy and the liquid absorbed. Remove from heat and let rest for 5 minutes. Serve with lemon slices.
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Easy steps to take to go green.
With Earth Day just around the corner (April 22nd), now is the perfect time to reassess your habits and look for easy ways to be more eco-friendly in the home. Mother Nature has always been kind to us by giving us a planet to live on. However, we haven’t always returned the favor. We are currently killing out endangered species, using up precious resources, and polluting waters and air. To benefit the planet (and, in some cases, your wallet), check out these tips for going green.
Reduce your plastic consumption.
Plastic is a major offender to the environment. It harms wildlife and sits in landfills or floats in the ocean for thousands of years. Reduce or eliminate your plastic consumption by saying no to straws, using reusable bags for shopping, buying your food from the bulk bins, and taking reusable mugs and cups with you when out and about.
Use green cleaning products.
To clean our homes, we often use products that are loaded with toxic chemicals and environmentally harmful substances. Instead, switch to green alternatives that are cruelty-free and do not harm the environment. You can even make your own out of lemon, vinegar, and baking soda!
We’re sure you’ve heard this one before! Walk more and drive less. Saving gas will help to conserve this limited fuel resource. Whether you walk, cycle, or take public transport, find new ways to travel instead of relying on your car. If you do need to drive, carpool with others to conserve gas.
Seal gaps around doors and windows.
Older homes tend to have more gaps around the doors and windows, letting in air from the outside, causing the AC and furnace to work harder. Putting weather stripping around those gaps can save you money on your heating and cooling while preventing energy from being wasted.
While you adopt a greener lifestyle, leave your insurance needs to the experts. All Nevada Insurance can help you secure reliable coverage across Las Vegas and beyond.
Your credit score is a factor in your life insurance.
We hear so much these days about how credit, and credit scores in particular, can affect just about anything you want to do in life. This is also true when applying for life insurance. Generally, your credit score will be taken into account when insurers are determining your premium. Before you apply for a life insurance policy, it’s a good idea to take a look at how bad credit can influence the final cost of insurance.
Your credit history can give insurers a snapshot of how well you’ve managed your finances. Insurance companies tend to look out for red flags that might indicate that you’re too much of a risk to insure. Being deep in debt or missing several credit card payments will tell insurers that you’re not keeping a tight grip on your finances. Typically, having bad credit won’t hurt your chances of qualifying for life insurance – you may just end up paying more per premium.
Late payments can be detrimental to your score. However, instances such as charge-offs, accounts in collection status, bankruptcy, and foreclosure can do even more damage. If you have any of these delinquencies on your credit report, it can have a large impact on the rate class you fall into.
Exactly how bad credit will be handled will depend upon the life insurance company that you are applying to. The insurer will want to know what kind of work you do because certain occupations are considered to be more hazardous than others. If in the course of investigating your employment they find that you are unemployed or have a history of spotty employment, they may pull and review your credit report to get a clearer picture of your finances.
Before you apply for life insurance, be sure to review your credit report. You can work on improving your score by paying bills on time, lowering your debt-to-income ratio, and not taking on any more debt.
Find the right life insurance policy to suit your needs, budget, and family by contacting the team at All Nevada Insurance today!
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Be mindful of common springtime driving hazards.
Winter is over, the temperatures are rising, and by now you have already enjoyed the start of springtime driving. Now that spring is truly here, it’s time to think about the changes you will have to make to your driving habits, as well as being aware of the changes happening on the roads. Check out these hazards (and how to handle them!) for safe driving this spring.
The adverse winter weather can wreak havoc on the roads, causing large and harmful potholes. Deep potholes can throw your car’s alignment off and can also become the reason you need a new wheel and tire. Carefully try to drive around the pothole, if it is safe to do so.
Longer days and warmer weather brings children outside to play and allows them to walk to and from school in light, clear weather. Pay extra attention when driving on residential roads and streets near schools. Children may not always be looking where they are walking. Slow down and keep an eye out for youth.
Motorcyclists and cyclists are more likely to be on the road during spring. This is a time when all drivers should brush up on their vision techniques in order to stay focused and spot smaller road users. Respect everyone on the road and take care when driving near them to avoid any unnecessary happenings on the road.
Hibernation is now over. Spring is the time when animals come out and begin their search for food. Being aware of this can prevent unnecessary animal deaths and damage to your vehicle. Slow down and take care on roads where wildlife activity is high.
The professionals at All Nevada Insurance are well versed in securing reliable auto insurance that will see you through spring and beyond! Located in Las Vegas, Henderson, and neighboring cities, contact us today.
Know what to do if you need to file a home insurance claim.
After an incident, such as a fire or theft, has occurred, it’s natural to panic. As a homeowner, you take great pride in your property, from your house to your belongings. When damage or loss does happen, it’s important to remember that your homeowners insurance policy is there to help. So that you know what to do to file a claim, here are some tips to consider.
Gather as much information as possible. You want to document the damage to your home and belongings from different angles. Be careful not to expose yourself to any harm during this process, though. If it is safe to do so, take pictures of the damage. These will then be sent to your claims adjuster.
Call your insurance agent right away. Always call your insurer to report the damage as soon as possible. Call your insurer before you get a contractor to start repairs.
Keep receipts. If you need to make some minor repairs to prevent further damage, do so. However, be sure to keep the receipts, as your insurer may be able to reimburse you for these expenses.
Have an updated home inventory on hand. Theft, fires, and natural disasters all impact your house as well as your belongings. When an accident happens, be ready to tell your insurer what items you lost and how much they were worth. A home inventory can help to provide those details to your carrier; otherwise, you may be relying on guesswork.
Should you take your financial leap of faith in the franchising industry?
Most people who look into franchising a company will undoubtedly ask, “Will I make money?” As with anything in business, and in life, there is no one answer. It’s well worth developing a detailed plan before committing to a franchise system and taking a look at the factors that affect how and when you make money. Buying and running a business involves a lot of hard work, and ownership isn’t much fun if you aren’t making any money. While it’s true that franchising is a more structured and transparent way to becoming an entrepreneur, it still can be complicated and confusing to navigate the process on your own.
Do Your Due Diligence
Before buying a franchise, it’s important to learn what your experience will be like as a business owner. Those who skip this crucial step often fail as business owners as they end up with a franchise that isn’t a good fit for them. If you’ve never run a business before, your natural instinct might be to focus on the bottom line. Unfortunately, it doesn’t work to ask about the profit and income when you’re researching a potential franchise.
Look Beyond the Bottom Line
As a business owner, your take-home pay at day’s end isn’t normally a good indicator of the business’ full financial benefit. Look over a franchisee’s profit and loss statement (P&L) to assess if the business appears to make very little profit. Many businesses expenses may make the company’s bottom line appear lower than what it actually is.
Figuring out your earning potential as a franchise owner is much more complicated than simply asking a salaried employee how much they make. Take your time to assess your needs, wants, and find the right fit for you. It’s a venture that should be enjoyed by handled carefully.