How to Insure Jewelry and Expensive Valentine's Day Gifts

Whether you’re giving your sweetheart a gorgeous diamond ring for Valentine’s Day or you’re the one who gets to wear the bling, don’t forget about protecting it with insurance. I know looping in your insurance agent may not seem romantic, but it can prevent a lot of heartaches if that expensive piece of jewelry gets damaged, lost, or stolen.

How to insure your valuables

Today, you’ll learn how to keep your Valentine’s Day gift or any valuables safe.

1. Get insured before you buy it

Anytime you’re thinking about making a big purchase, such as expensive jewelry, watches, or electronics, make sure you have a plan to insure it. Think about how devastated you’d be if you bought diamond earrings for your sweetie, and they got stolen or lost. I’m sweating just thinking about it!

Anytime you’re thinking about making a big purchase, make sure you have a plan to insure it.

Before you buy something valuable, communicate with your existing home or renters insurance representative or company. Find out if you need additional coverage—it’s likely that you do! In just a moment, I’ll give you some recommendations if you don’t already have a home or renters policy.

Let your insurer know what you’re planning to buy and how much it costs. If you’re still negotiating on price or you’re buying a second-hand item with an unknown value, start with your best estimate.

2. Get a certified appraisal

If the value of your Valentine’s Day jewelry is over a certain amount, your insurer will ask you to submit an appraisal. It must come from a gemologist who uses a variety of tools and their expertise to identify and value gems. It includes photos of your item and an estimated value.

Your insurer needs an appraisal to know precisely what they’re insuring. The document also protects you in case you need to make a claim.

The retailer who sells you a new piece of jewelry should provide you with an appraisal. However, an insurer may want an independent appraisal to verify the value. If you purchase heirloom or estate jewelry, it may not come with an appraisal.  

You can find an appraiser by getting recommendations or doing some research online. The cost varies depending on how intricate the item is and how long the work may take.

For instance, an antique ring with many stones and old-fashioned gem cuts will take longer to analyze than a brand-new diamond solitaire. For a relatively simple piece, the appraisal may cost in the range of $150 to $250. But I’ve had heirloom pieces that cost nearly $500 to appraise.

While your great-grandmother’s wedding ring or a necklace from your valentine might be priceless to you, insurers will only pay you its appraised or actual value.

It could take a gemologist several weeks to complete your appraisal, and they need to have the item in their possession the entire time. So, don’t wait until the last minute to find out what’s required to get a Valentine’s Day gift insured.

Also, note that you can’t insure the sentimental value of any item. While your great-grandmother’s wedding ring or a necklace from your valentine might be priceless to you, insurers will only pay you its appraised or actual value.

3. Don’t assume you already have coverage

If you assume you have coverage for a lavish Valentine’s Day gift simply because you have homeowners insurance, that could be a big mistake. The amount of insurance on your home is different than the amount of coverage for your personal belongings.

Most standard home and renters policies include coverage for personal items like jewelry. However, specific categories of belongings come with coverage limits or caps. Jewelry, watches, and furs typically have a low insurance cap, such as $1,000 or $2,000. If you’re a big spender, that could be a fraction of the cost of your gift.

For example, if you buy an engagement ring worth $4,000, and your homeowners or renters policy only covers $1,000, you’d come up $3,000 short of replacing it. Plus, the cap applies to an entire claim, not individual items. If you had multiple pieces of jewelry stolen, you’d only receive up to the policy limit.

Jewelry, watches, and furs typically have a low insurance cap, such as $1,000 or $2,000. If you’re a big spender, that could be a fraction of the cost of your gift.

Other types of personal belongings that have insurance caps include silverware, computers, firearms, musical instruments, collectibles, and antiques. Keep reading to learn how to make sure your expensive items are adequately insured.

4. Get an insurance rider

If your existing homeowners or renters insurance doesn’t have a jewelry limit high enough to cover your posh purchase, one solution is to “schedule it.” You’ll also hear this called a rider, floater, or an endorsement to your policy. Scheduling an item means that you add more detail about it to your existing insurance policy.

One benefit of scheduling an item, such as jewelry, is that you’re covered for all types of losses. For instance, if you accidentally lose a wedding ring swimming in the Caribbean ocean on your honeymoon, you’re covered up to your limit. When your valuables are covered by a standard home or renters policy, without being scheduled, you typically only have coverage for specific events, such as loss from a fire or theft.

One benefit of scheduling an item, such as jewelry, is that you’re covered for all types of losses.

Also, don’t forget that you must pay a deductible when you make a claim. So, if you have a $500 deductible and a jewelry limit of $1,000, the most you’d receive from a claim is $500.

But a scheduled item doesn’t require a deductible. That means you wouldn’t have to pay any amount out-of-pocket to replace a Valentine’s Day gift that gets lost or disappears mysteriously.  

Having a rider increases your premium, but it’s usually worth it. The cost might be $5 to $15 per $1,000 of insured value. So, an engagement ring that’s worth $6,000 could mean paying an additional $30 to $90 per year on your homeowners or renters insurance premium.

5. Get a stand-alone policy

Another option for insuring a precious gift is to get a stand-alone policy. This policy is separate insurance just for the item, not an add-on to an existing home or renters policy. Most insurers offer a valuable articles policy for specific items like jewelry, watches, furs, collectibles, and antiques.

Whether you own or rent your home, you’ll pay less for an insurance rider than for valuable articles insurance. The only exception would be if you have many expensive items to insure—so, shop and compare both options if you have a collection of valuables.

Most homeowners have insurance, but many renters avoid getting a renters policy because they mistakenly overestimate the cost. It’s surprisingly inexpensive; the average price is $185 per year. So, if you rent, get renters insurance first and then schedule an expensive item.

All the coverages I’ve mentioned protect your valuables at home or when they’re away from your home. Off-premise coverage kicks in when an item is stolen from your car or damaged while you’re traveling.

Additionally, home and renters insurance gives you liability coverage worldwide. It also pays living expenses, such as a hotel and meals, if you can't live in your home while repairs are made after a covered event, such as a natural disaster.

The bottom line is that if you rent and don’t have insurance, you’re putting your finances at risk. Take a few minutes to shop and compare quotes at sites such as Bankrate.com or Policygenius.com. But no matter your situation, you can always opt to insure a Valentine’s Day gift with a stand-alone policy.

6. Gift recipients are responsible for insurance

Many people are confused about who needs to buy insurance for a gift, the giver or the recipient? Well, it depends on who has the item. If you buy a gift to give, you need to have it insured while it’s in your possession.

If you have a receipt and appraisal, pass them along so the new owner has what they need to get proper insurance.

Once you give a gift away, the lucky recipient owns it and must insure it. If you have a receipt and appraisal, pass them along so the new owner has what they need to get proper insurance.

If you’re married or live together and have the same home or renters insurance policy, you don’t have to take any extra steps. But if you and your valentine have different households, the person who wears and enjoys the gift must make sure that it’s insured.

7. Keep an up-to-date home inventory

If you have home or renters insurance, but don't have a list of your personal belongings, it could be challenging to claim a loss. Imagine that your home or apartment got destroyed in a fire. Would you remember every item?

If you don’t have a home inventory, create one and add your Valentine’s Day gift to the list. At the least, have pictures or video of your belongings that you store in the cloud. While losing precious items can be devastating, the more documentation you have, the easier it will be to provide proof that you owned them and make an insurance claim.

If you got a cherished gift for Valentine’s Day or got engaged, congrats! Now make it a priority to protect it.

Source: quickanddirtytips.com

10 Proven Ways to Lower Your Car Insurance

A woman wearing a yellow shirt drives a silver car.

We’ve heard the insurance tagline over and over: “Switch and save money today.” Every insurance company claims to have the best deal. But, how can you get a good deal while maintaining the appropriate amount of coverage? We’ve got you covered—literally, and with no extra cost to you. Check out these ten ways to help lower your car insurance. 

1. Get Quotes Annually 

Insurance rates are increasing every year, so your insurance premiums will naturally increase over time. However, a huge spike in your insurance bill might mean it’s time to switch providers. Every year or two, use a car insurance quote finder to compare your current insurance rate to competitors. You can also sign up for Jerry.Ai, a tool that automatically checks for the lowest insurance rates before your policy renewal. Requesting quotes annually will ensure that your rates remain low and competitive. 

2. Bundle Your Insurance Plans

Insurance companies often offer discounts when you bundle home, auto, or life insurance. Plus, you have the added convenience of paying all your insurance on one bill. If you’re satisfied with your insurance rates, you can stay with the same company to build up discount opportunities. Some insurance companies will give discounts to their long-term customers, also known as a customer loyalty discount. Bundling and customer loyalty can help you lower your overall insurance costs. 

3. Get Rid of Insurance You Don’t Need 

Older vehicles require less insurance depending on their overall value. For example, you may not need collision and comprehensive coverage on a vehicle if its value is less than your deductible combined with your insurance premium. If you have a car that’s only worth $1,000–$3,000, you might decide to get rid of some of your insurance and purchase a replacement vehicle out of pocket in the case of an accident. If you don’t drop unneeded insurance, you can end up spending more on your premiums than what the total car is worth. 

4. Increase Your Deductible 

A deductible is the amount of money you pay out of pocket as a result of an accident. An increased deductible means lower premium rates. This is a great option for individuals who can keep enough cash savings to cover their deductible in the event of any emergency. Ask your insurance agent about raising your deductible to see how your premiums will fluctuate. 

5. Drive Safely  

This one might seem kind of obvious, but driving safely is the best way to keep your insurance rates low. Insurance providers record your driving history, including any accident reports or traffic tickets. These instances accrue points that eventually lead to increased insurance rates. Even if you switch insurance providers, companies will be able to access your driving history. Try your best to avoid speeding, running red lights, and driving recklessly. Be smart, and drive smart. 

If you do get a ticket, take a defensive driving class to get the points taken off your record. A defensive driving class is an online or in-person course created by individual states to teach drivers how to anticipate dangerous situations and make educated driving decisions. In some states, taking this class can reduce your insurance by 10 percent.

The defensive driving course may seem expensive for a single ticket, but it will end up saving you money on your insurance premiums. You can usually take driving school once a year. If you keep a clean driving record for three to five years, you could save on your insurance rates. 

6. Improve Your Credit Score

Studies show that drivers with a higher credit score are more responsible behind the wheel. Drivers with higher credit scores cost the insurance company less than individuals with a low credit score. A credit score is just another way for insurance companies to measure risk—the very thing insurance companies seek to avoid. Improving your credit score can also help you qualify for auto and home loans. Study your credit report and find ways to improve your overall credit score.

Are you looking for a way to monitor your credit needs? Check out ExtraCredit by Credit.com. It has five killer features, each specifically designed to help you out—no matter what shape your credit is in. 

Sign up for ExtraCredit today!

7. Pick the Right Vehicle 

Insurance rates fluctuate based on the make and model of a car. This is something to consider when purchasing a new or used car. A car such as a Toyota or Chevy will be significantly cheaper to insure than a Porsche. That’s because it’s less risk for insurance companies. Remember, getting a cheaper insurance premium is dependent on your ability to minimize risk for the insurance company. Picking a car brand with an affordable initial price and reasonable upkeep costs can help you save money on insurance and your vehicle in general. You can also save on car insurance by selecting a smaller car with installed safety features.

8. Choose a Group Insurance Plan 

People under the same household can create a group policy to save money. The plan will be more expensive as you add individuals to your group policy, but cheaper than if everyone was on their own insurance plan. Members of the insurance plan either need to be related or have joint ownership of the car. Each of the drivers will be insured for all the cars your family owns. Younger drivers will be more expensive to insure because of their added risk. Look for additional discounts to minimize your total group rate. 

9. Ask Your Insurance Provider About Other Discounts 

Car insurance companies often have additional discounts for specific groups of people. For example, if you are a member of the military, you can get a discount at some insurance companies. You can also lower the insurance premium for your teenage driver through a good student discount. Some other car insurance discounts include the following: 

  • Government employees and retirees discount
  • Multiple vehicle discount 
  • Homeowners discount (separate from the bundling discount) 
  • Paperless billing discount 
  • Hybrid or green vehicle discount 
  • Driver education discount for people under 21
  • Automatic payments or paid-in-full discount 

Ask your insurance provider about additional discounts to see if you qualify. 

10. Find Out About Pay-as-You-Go or Usage-Based Insurance 

If you don’t use your car often, you may be able to save on your insurance. Some companies offer a discount for driving under 10,000 miles in a single year. Other companies offer a pay as you go plan that allows you to pay a base rate and then pay per mile. These discounts could save you money if you do not have a long work commute or if you rarely use your car. This may also be a good incentive to use public transportation when possible. 

Final Thoughts

We all want to save money on car insurance, but that’s not the only factor in becoming a smart insurance customer. Before diving into savings, first determine your insurance needs and goals. Do your research to find out the difference between liability and full coverage insurance. Once you have the right coverage, you can start chipping away at your rates by following these ten tips to lower your car insurance. 

The post 10 Proven Ways to Lower Your Car Insurance appeared first on Credit.com.

Source: credit.com

100 Birthday Freebies ~~ Celebrate WIth Free Stuff in 2021!

Hooray! It’s your birthday!

The last thing you should do is pay for stuff. So we’ve put together a list of 100 places where you can get birthday freebies, updated for 2021.

Most of these places require you to sign up for their email list or join their rewards club at least seven days before your birthday.

So get busy now and enjoy the free birthday stuff as it rolls in on your big day.

100 Places to Get Birthday Freebies

These restaurants and retailers will provide you with free treats for your birthday. Be sure to sign up in advance.

A&W All American Food

Get a free root beer float on your birthday by joining the Mug Club.

ABC Liquor

Sign up for ABC Liquor Access to get a “birthday gift.”

AMC Theatres

Become an AMC Stubs Insider to get a free large popcorn during your birthday month. If you’re a Premiere or A-List member, you’ll also get a free large fountain drink.

Anthropologie

As a member of the Anthro Loyalty program, you will get a “special treat to celebrate your birthday.”

Applebee’s

Sign up for the email club, and get $5 off when you spend at least $25. You’ll also get a free appetizer when you sign up.

Arby’s

Sign up for Arby’s emails and get a free milkshake and curly fries on your birthday when you buy any sandwich. You’ll also get a free small fries and small soft drink when you sign up.

Au Bon Pain

Join the Eclub, and get a free coffee and pastry on your birthday. You’ll also get a travel mug and daily discounts on coffee just for signing up.

Auntie Anne’s

Download the Pretzel Perks app, and get a free pretzel on your birthday.

Aveda

You need to spend $10 to join Aveda’s loyalty rewards program, but you’ll receive a birthday gift valued at $23, as well as double points for your next Aveda purchase.

Baja Fresh

Sign up for Club Baja to get a “special offer” on your birthday.

bareMinerals

Sign up for the Friends and Benefits loyalty program to get “birthday gifts.”

Baskin Robbins

Create an account, join the Birthday Club, and get a free scoop of ice cream on your birthday.

Banana Republic

When you sign up to receive Banana Republic’s emails, you can opt to also get a “birthday gift.”

bd’s Mongolian Grill

Get a free meal on your birthday when you join the bd’s Rewards eClub, plus get a $5 coupon just for signing up.

Benihana’s

Register for the Chef’s Table, and you’ll get a $30 birthday certificate.

Best Buy

My Best Buy members get a “birthday gift.”

Big Boy

Joining the I Love Big Boy email club gets you a free meal on your birthday.

BJ’s Brewhouse

Join Premier Rewards Plus and get a free Pizookie for your birthday. What’s that? It’s a big, warm cookie smothered in ice cream… yum. What’s even better is you don’t have to wait for your birthday – you’ll also get a free Pizookie just for signing up.

Black Angus Steakhouse

Join the Prime Club to get a free steak dinner on your first birthday as a member.

Bojangles’

Get a free Bo-Berry Biscuit with a purchase on your birthday as a member of the Bojangles’ eClub.

Bruegger’s Bagels

Members of the Bruegger’s Bagels eClub will enjoy a “free treat” on their birthday, as well as a free bagel and cream cheese just for signing up.

Buca di Beppo

You’ll receive a free pasta after signing up, as well as a $20 birthday gift for joining the eClub.

The sign of Buffalo Wild Wings is photographed.

Buffalo Wild Wings

Sign up for Blazin’ Rewards to get free birthday wings during your birth month.

Carvel

Join Fudgie Fanatics to receive a free treat for your birthday. You can get a small soft serve birthday cone, take $2 off any cake (except for a small square) or take $3 off any sheet cake.

Chevys Fresh Mex

Members of the eClub get a free entree on their birthday, as well as a free appetizer for signing up.

Chick-fil-A

Join Chick-fil-A One to get a “birthday reward.”

Chili’s

Get a free dessert for your birthday when you join My Chili’s Rewards Club, plus get free chips and salsa or a non-alcoholic beverage with every visit!

Chipotle

Join the Chipotle rewards program to get free chips and guacamole on your birthday when you make a purchase of $5 or more. When you sign up and make your first purchase, you’ll also get free chips and a choice of guacamole, queso blanco or salsa.

Cinnabon

Subscribe to Club Cinnabon to get a free iced coffee on your birthday and a free order of BonBites for signing up.

Cold Stone Creamery

Get a BOGO coupon for your birthday by signing up for the My Cold Stone Club. You’ll also get a BOGO coupon just for signing up!

Columbia

Members of the Greater Rewards program get a “birthday gift” in addition to a welcome gift from the sportswear and outdoor gear retailer.

Container Store

Join the POP! (Perfectly Organized Perks) program to get a birthday gift.

Culver’s

Enjoy a free sundae on your birthday when you sign up for MyCulver’s. You’ll also get a BOGO value basket when you sign up.

The exterior of a CVS is photographed in Florida.

CVS Pharmacy

As a member of the ExtraCare Beauty Club, you’ll get “birthday gifts with beauty surprises,” as well as 10% off for joining.

Del Taco

If you’re a Raving Fan eClub member, you can enjoy a regular-size premium shake for your birthday, plus you’ll get two free grilled chicken tacos when you sign up.

Denny’s

Sign up for Denny’s Rewards program online or via the mobile app. You’ll get 20% off your next visit, plus a free stack of buttermilk pancakes on your birthday when you order online at Dennys.com.

Designer Shoe Warehouse (DSW)

Join the free DSW VIP Club to get a $5 birthday reward. You’ll also get $5 on your birthday if you spend $200 annually as a VIP Gold member, and you’ll get $10 if you spend $500 annually as a VIP Elite member.

Dippin’ Dots

Get free Dippin’ Dots for your birthday when you join the Dot Crazy! Email Club.

Dunkin’ Donuts

Get a free beverage on your birthday by signing up for the DD Perks Rewards Program.

Edible Arrangements

Join Edible Rewards and receive a free 12-count chocolate dipped fruit box (valued at $29.99) during your birthday month. You’ll also get a $5 coupon for signing up (valid for 30 days).

Einstein Bros. Bagels

Get a free egg sandwich with a purchase on your birthday when you join the Shmear Society — not totally free, but hey, you’ll need something to help wash that sandwich down. You’ll have 14 days to claim your reward.

Famous Dave’s

Join the Famous Nation and get a free dessert with a value of up to $9.00 for your birthday.

Famous Footwear

Famously You Rewards members get a $5 birthday cash reward.

Firehouse Subs

Sign up for Firehouse Rewards for a free medium sub on your birthday or in the six days that follow it.

First Watch

Get a BOGO breakfast, brunch or lunch for your birthday as a member of the Sun EClub.

Friendly’s

When you become a BFF Club member, you’ll receive a free birthday sundae.

Godiva

As a member of the Godiva Rewards Club, you’ll get a free birthday chocolate offer every year.

Habit Burger Grill

Be sure to join Habit Burger Grill’s CharClub to enjoy a free Charburger on your birthday.

Harkins Theatres

Sign up for My Harkins Rewards and receive a $5 birthday coupon to use at the concessions.

Hard Rock

Sign up for Hard Rock Rewards to get an “annual birthday offer” from the cafe and shops.

Hooters

Get 10 free boneless birthday wings when you sign up for Hootclub. You’ll also get $5 off your first purchase of $25 or more when you sign up.

Houlihan’s Restaurant and Bar

Email club members get a free birthday entree, plus $10 off just for joining.

IHOP

Sign up for MyHop and get free pancakes on your birthday. You’ll also get free pancakes on the anniversary of your sign-up.

Challenge yourself to score as many birthday freebies as possible and make the celebration — and savings — last all month!

J. Crew Factory

When you sign up for Factory First, you’ll get an extra 20% off and free shipping on your birthday. You’ll also get an extra 15% off your first purchase after signing up.

JCPenney

Receive a birthday gift when you sign up for JCPenney Rewards. If you are not a JCPenney credit card member, you must have earned points within the last 21 months.

A woman smiles as she holds up a drink and a sub she got for free from Jersey Mike's Subs.

Jersey Mike’s Subs

Get a free birthday sub when you sign up for the email club.

Kendra Scott

Kendra Scott offers a 50% birthday discount on one fashion jewelry or color bar item. It also offers a 25% discount on fine jewelry, sterling silver jewelry or gold vermeil jewelry. You can also get 25% off a home goods item. Find out more information here.

Kohl’s

Members of the Kohl’s Rewards program get a “special birthday gift.”

Krispy Kreme

Krispy Kreme Rewards members receive a free Original Glazed Dozen. You’ll also get a free doughnut when you sign up.

Longhorn Steakhouse

As a member of the Longhorn Steakhouse’s eClub, you’ll get “special offers and coupons” on your birthday. You’ll also get a free appetizer when you sign up.

Marie Callender’s

Join the eClub, and get $5 off the purchase of two entrees, plus two free slices of pie, the choice of a free “Marie’s Magnificent Six” or a free slice of pie with the purchase of an entree on your birthday. You’ll also get a special dine-in offer for signing up. The company also sends special offers for your wedding anniversary and allows you to add family members so they can get birthday rewards.

Moe’s Southwest Grill

Sign up for Rockin’ Rewards and get a coupon for a free birthday burrito, plus a free cup of queso just for signing up.

Nothing Bundt Cakes

Join the Nothing Bundt Cakes eClub and get a free Bundtlet on your birthday.

Old Navy

Opt into the Birthday Club when you subscribe to Old Navy’s emails to get a “free birthday gift.”

Olive Garden

Get a complimentary dessert on your birthday by signing up for the eClub. You’ll get a free dessert or appetizer when you sign up.

On the Border

Join Club Cantina and get free queso on your birthday, and just for signing up.

Pandora

Members of the Pandora Club get a 15% discount during their birthday month. This offer can only be used one time and is valid on regular-priced jewelry only.

Pei Wei

Sign up for My Wei Rewards and choose from these birthday freebies: crab wontons, traditional edamame, vegetable spring rolls or pork egg roll. The reward will automatically appear in your app seven days prior to your birthday.

Perkins

Members of the MyPerkins Club receive a free Magnificent Seven meal on their birthdays. The meal includes two eggs, any way you like, plus two smoked bacon strips and three buttermilk pancakes. Plus you’ll get a 20% off coupon for signing up. You will also be able to add your children ages 12 and under so they can get birthday rewards, too.

Pinkberry

Sign up for a Pinkcard or download the app, and receive a free yogurt on your birthday.

Pita Pit

Sign up for the Pita Pit Rewards Club and receive a free pita on your birthday.

Pizza Hut

Join the Hut Rewards program to get a “birthday reward.”

Planet Smoothie

Join the Planet Smoothie Club and receive a free smoothie for your birthday.

A person selects a movie from a red box.

Redbox

Sign up for Redbox Perks and receive a free birthday rental (it must be used within 60 days). You’ll also get a free one-night rental for signing up (that offer is valid for two weeks).

Red Lobster

Enjoy a “birthday surprise” when you sign up for the My Red Lobster Rewards program.

Red Robin

Register for the Red Robin Royalty Program, and get a free birthday burger.

Rita’s

Get a free Italian ice on your birthday when you download Rita’s Ice App.

Romano’s Macaroni Grill

Sign up for the email club, and get a free dessert on your birthday.

Ruby Tuesday

As a member of So Connected, you’ll get a choice of a free burger or a free garden bar entree on your birthday. You’ll also get a free appetizer for signing up.

Sephora

Beauty Insiders are eligible to choose a free makeup or skin care gift for their birthday.

Sbarro

Become a member of the Slice Society to get a birthday surprise. You’ll also get a free New York slice when you buy a beverage after signing up.

Sonny’s BBQ

Get a free Big Deal Combo meal on your big day by joining the ‘Q Crew, plus a $5 coupon just for joining.

Sprinkles

Receive a free cupcake (make that a baker’s dozen if you’re a Red Velvet tier member) for your birthday when you join Sprinkles Perks.

Iced coffees from Starbucks sit on a table outside.

Starbucks

Get a birthday beverage or food item as a member of Starbucks Rewards.

Subway

Sign up for the Subway MyWay Rewards program and the sandwich-making company will give you “something special” on your birthday.

Swagbucks

As a birthday reward, “you’ll receive a Swag Up for a 55 SB credit when you redeem your next gift card.”

Pro Tip

Be sure to check out our Swagbucks review for how to get the most out of Swagbucks.

TCBY

Sign up for TCBY emails, and receive your first 3 ounces free on your birthday.

Texas Roadhouse

Sign up for the email club and you’ll get a free appetizer or a sidekick of ribs on your birthday.

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The Melting Pot

Members of Club Fondue will get a “birthday voucher.”

The Spaghetti Warehouse

Join the Warehouse Club, and get a free meal on your birthday, plus a free appetizer with an entree purchase for becoming a member of the club.

Tijuana Flats

Become a Flathead and receive a free dessert for your birthday. You’ll also get a free Tijuana Trio when you sign up.

Tropical Smoothie Cafe

Download the Tropical Smoothie Cafe app to be eligible for a birthday reward. What you get depends on your loyalty tier, but it ranges from a $2 reward to a free menu item.

Ulta Beauty

As an Ultamate Rewards member, you’ll get an offer for extra bonus points on all purchases during your birthday month.

Uniqlo

Download the Uniqlo app to get a birthday coupon during your birthday month.

Uno Pizzeria & Grill

Join the Uno Insider’s Club, and receive a free dessert on your birthday, as well as a free appetizer with an entree purchase when you join.

Waffle House

Make sure you’re a member of the Waffle House Regulars Club to receive a free waffle on your birthday. You’ll also get free hashbrowns when you sign up.

Wienerschnitzel

Join the Wiener Lovers’ Club, and get a free coupon each year on your birthday, plus a free chili dog for joining.

World Market

Members of World Market Rewards get a “surprise offer” on their birthday, plus a 15% coupon for signing up.

Yogurt Mountain

Join the YOMO Club, and get free yogurt on your birthday.

Zaxby’s

Sign up for the Zax Club and get a free Big Zax Snak on your birthday, plus a free sandwich meal for signing up.

Who doesn’t love getting something for nothing? Visit The Penny Hoarder Shop to see what freebies are available.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Source: thepennyhoarder.com

How to Buy a HUD Home at the Hudhomestore Website?

Using the Hudhomestore to buy a HUD home is easy.

If you’re looking to buy a HUD home, the Hudhomestore website is the best place to do it. It can be found here at hudhomestore.com. HUD homes are listed for sale at the site.

While anyone can buy a HUD home, you will need to get approved for a loan first.

Just like buying a house through the conventional route, all financing options are available for HUD homes. That includes conventional loans, FHA loans, VA loans, etc.

However, most people used an FHA loan to buy a HUD home due to its low down payment and credit score requirements.

If you have questions beyond buying a HUD home at the hudhomestore website, consult a financial advisor.

What is the Hudhomestore?

The hudhomestore is a website operated by the U.S Department of Housing and Urban Development (HUD). The website can be found here at hudhomestore.com.

Homes are listed there for sale after they have gone through foreclosures. Real estate agents and/or brokers can place bids on your behalf to buy a house.

What is a HUD home?

A HUD home (usually a 1 to 4 unit) is a property owned by HUD. Before a home became a HUD home, it was owned by a homebuyer who had purchased the home with an FHA loan.

Once the borrower stopped paying his or her FHA loan, the home went to foreclosures. Then the home goes to HUD and becomes a HUD home.

Why you should buy a HUD home at the Hudhomestore?

The benefits of buying a HUD home are huge. The main benefit is that most of these homes are priced below market value.

In addition, if you’re an EMS personnel, police officer, firefighter, or teachers, and live in revitalized areas and plan to live there for at least 36 months, HUD’s Good Neighbor Program offers HUD homes at a 50% discount.

This program is listed at the hudhomestore website.

In addition, HUD offers other perks such as low down payment and sales allowances you can use to pay for moving, repair and closing costs. The low down payment, that is on top of the FHA financing that you may be qualified for.

Another huge benefit of buying a HUD home is that HUD gives preferences to buyers who intend to live in the home for at least one year. So this puts you ahead of investors.

Are you qualified to finance a HUD Home?

All financing options, including conventional loans, VA, and FHA loans, are available when it comes to buying a HUD home.

But FHA loans are very popular among first time home buyers, due to its low requirements. But before you start searching for HUD homes through the Hudhomestore website, you should compare multiple loan offers so you can the best mortgage rates.

FHA loan requirements:

  • 580 Minimum score
  • 3.5% down payment

If your credit score is below 580, you can still be qualified but you’ll have to pay at least 10% down. Or, you can always take time to raise your credit score.

Don’t know what your credit score is, visit CreditSesame.

Our Review of Credit Sesame.

Steps to buy a HUD Home at the HUDhomestore website:

HUD homes can be hard to find if you don’t know where to look. In other words, they are not listed on conventional real estate websites such as Zillow or Redfin.

Instead, they are listed at the HUDhomestore webiste, which can be found at hudhomestore.com. They also have HUD Homestore Mobile Apps.

Knowing these steps is important to mastering one of the best strategies to buy a house at below market or wholesale prices.

Step 1: Shop and compare home loans

Before you start searching your house through the hudhomestore site, it’s a good idea to

The worst thing that can happen is to find a house that you like to then realize that you cannot secure a home loan.

To get the best mortgage rates, you need to compare multiple loan offers. Buying a home is major expense, and getting the best rates could save you a lot of money. I can spend a lot of time talking about why it is a bad idea to only speak with one mortgage lender.

But when it comes to having multiple loan offers, I highly suggest LendingTree.

LendingTree is an online platform that connects you to several mortgage lenders without visiting a dozen bank branches.

LendingTree will provide you up to 5 loan offers from multiple lenders for free, so you can compare and make sure you get the best deal.

So if you’re at this step right now, go and compare current mortgage rates for free at LendingTree, and come back to this article.

Our LendingTree Review.

Step 2: Finding a HUD Home at the HUDhomestore website.

To find a HUD home, simply go to the hudhomestore website. It can be found at hudhomestore.com.

There are three ways to find HUD homes on the hudhomestore website. The first way is through a map.

Once you on the website, you will see a map to the right with all of the states listed there. You simply look for your state and click on it to see all of the available HUD homes.

The hudhomestore site will show you a list of all of the HUD homes available for that particular state. It will include the photo of the HUD home, the address, the asking price, etc.

If you click on the photo of the house, you will be able to see more information of the property, including more photos, street views and information of the property.

Another way to find a house through the hudhomestore website is by clicking on the HUD Special program links.

The hudhomestore site specifically lists three HUD Special Programs: Good Neighbor Next Door; Nonprofits; $1 Homes-Government Sales. It specifically states on the hudhomestore website that if you click on any of these special programs, you will see available properties.

The third way to find a HUD home via the hudhomestore site is through the Search Properties. At the middle of the homepage, you will see a Search Properties where you can enter more detailed criteria.

Step 3: Buy your HUD home

Once you have found your desired HUD Home at the hudhomestore, it’s time to buy your HUD home.

But note that HUD homes are sold through an auction process. When you’re searching for the property through the hudhomestore site, it will tell you a deadline by which to submit your offer.

So if the deadline has not passed, submit your bid. Once it has passed, HUD reviews all offers. Just like any auction, the highest bid wins. If all of the offers are too low, HUD will extend the offer period and/or lower the asking price.

Note that you will not be able to place the bid yourself. Only real estate agents need to register to place bids on the hudhomestore website. You will need to find a real estate agent or you can specifically search for HUD registered agents at hudhomestore.com.

For more information on buying a home through the hudhomestore website, visit www.hudhomestore.com.

More on Buying a Home:

  • How to Buy a House: A Complete Guide
  • How Long Does It Take To Buy A House?
  • Buying a Home for the First Time? Avoid These Mistakes.
  • 10 First Time Home Buyer Mistakes to Avoid.

Work with the Right Financial Advisor

If you have additional questions beyond buying a HUD home at the Hudhomestore, you can talk to a financial advisor who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc).

So, find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

The post How to Buy a HUD Home at the Hudhomestore Website? appeared first on GrowthRapidly.

Source: growthrapidly.com

How To Create A Budget Friendly Spread For Fourth Of July

Nothing says summertime like a BBQ, and getting friends and family together for some food and friends for the Fourth of July is the perfect way to celebrate. I’m usually the host for these get-togethers, and even though I absolutely love having people over, feeding everyone can take a toll on your budget, especially with a big family like mine.

Now that I’ve been using Mint to keep track of expenses, here are some tips on how to have a cost-conscious Fourth of July spread:

1) Declare the BBQ a Potluck.

There’s no secret here: potlucks save money AND time. When you invite your guests to bring dishes to the party, that basically means they’re not only helping out with the food budget, they’re also taking the time to shop for the ingredients and deliver it to your house ready to eat! I would suggest setting some guidelines for your guests so that there is a variety of food in your spread and not just 5 versions of chips and salsa….and that’s it. To divide up the dishes, you could try a few different methods:

  • Assign your guests by categories. If there’s an easy way to divide up your guests, like by their last name, or their birthday month, then you could assign one set of guests appetizers, and another set of guests foods for the grill, for example. For this option, I would suggest asking your guests to confirm their choice with you and even post it on a message board if you are using a website to plan your party, so that you know and your other guests what’s coming and to avoid too much of one type of food.
  • Ask guests to bring specific foods. If your best friend makes the most amazing potato salad, and you need potato salad, ask your best friend to bring potato salad. There’s no need to do all the work when you can tap into the strengths of your guests. For those who are known to shy away from cooking, ask them to bring something simple like a salad or lemonade.

2) Set a food budget….and stick to it!

This tip comes directly from my previous post on Healthy Food on a Budget because it’s also important to serve your guests healthy food and stick to your budget. Just because it’s a party doesn’t mean you should let your health and your money slip up! It’s easy to set up budgets in Mint, like saving for a vacation, but you can also set up smaller budgets like for a summer BBQ celebration. Ideally, since you’re having everyone over for a potluck, this get-together won’t take a huge toll on your wallet, but it’s still important to set limits for what you can spend. I like to make it a fun challenge to see how much money I can save and get the most bang for my buck, while not cutting corners on the quality of food served for my guests.

3) Check out the weekly sales ads.

Don’t throw away those ads because right before Fourth of July, the mail will be filled with sales on foods for entertaining. Gather those ads up to look through what’s on sale for the week and map out your menu from those hot buys. If you have apps for your favorite stores, check those out too because I’ve seen in-app coupons that weren’t in the print ads that have saved me some money. Once you cross-reference the sales and build your shopping list, also plan out where you will shop from. If you have to travel from 2 different stores to save $15 dollars, I think it’s worth it to take the time to shop smart. Sure, it may take an extra 15 minutes, but I can bet that you’ll feel a lot better to have that extra money in your wallet.

4) Pick a dish that saves you money and time.

As the host of the party, you’ll be pretty busy with all the details of the day so your time on the day of the party will be limited. From cleaning up the house to setting up the grill, there’s plenty to do before guests show up. The last thing you want to do is prep a labor-intensive dish when there is so much more on that to-do list. To save money and time, I like to serve up a dessert dish that brings a wow-factor to the party, my Banana Boat S’mores. These delicious treats light up the eyes of all my guests, and if they knew how cost-effective they are, they’d light up even more!

To save money, I like to use fruit for dessert, especially in the summer season, because they’re more affordable, easier to prepare, and most importantly, they’re healthier! Bananas are only 19 cents each, so just make sure to have at least one banana per guest. I also know that marshmallows and Graham crackers are always on sale for $1 around this time of year, so already, this is a dish that costs less than 50 cents per serving.

To save time, I like this dish because you can have your guest prep their own Banana Boat. All you have to do is set up a station of the ingredients and let them make their creation as they please. When you get your guests involved in the food preparation, you’re saving some valuable time on your end, but also your guests are having fun! They’ll leave your party with another recipe under their belt as well, so it’s a win-win for everyone.

5) Buy your food in bulk bins.

Don’t pass up those bulk bins on your shopping trip, because buying from these can be 30-40% cheaper than packaged branded items. For the chocolate, I paid per ounce from the bin instead of buying packages. Since I’m setting up a station for my guests at my own home, I don’t need the packaging or extra chocolate so why should I pay extra for it? Half a pound only costs $2, whereas if I were to buy a bag or a bar it would cost me close to $5.

With these tips on how to have a cost-conscious Fourth of July spread, I hope you can spread out your budget and use some of that money you save on other fun activities this summer!

The post How To Create A Budget Friendly Spread For Fourth Of July appeared first on MintLife Blog.

Source: mint.intuit.com

How to Find a Home in ID

Idaho has some of the best potatoes in the world, but it has more to offer than just that. It’s also dubbed the Gem State, with over 70 precious and semi-precious stones found within its bedrock and streams. The real gems of Idaho are its national parks, friendly people, and a range of real estate deals for buyers looking to maximize value without breaking the bank.

Finding an amazing home in Idaho is easy if you know what to look for and have the top tools and professionals on your side.

What to Look for in an Idaho Home

In Idaho, you can have your pick of beautiful homes and properties with stunning natural backdrops. To narrow down your list, you may want to keep a few things in mind.

Proximity to Employment

The capital of Idaho, Boise, is a major draw for many homebuyers due to its impressive list of corporate and boutique employment opportunities. If you’ve already landed a job at a powerhouse like Boise’s Micron, Hewlett-Packard, Clearwater, IDACORP, or St. Luke’s you will want to look for a home in or around the Boise area. If you haven’t scored a job yet, being close to the city can only help your search and prospects.

With the Homie app, you can narrow down your search using the city or town of your current or future job. Whether you are looking in Boise’s Bench or North End, Garden City, Meridian, Nampa, Caldwell, Kuna or some other area, you can find what you are looking for. You can then collaborate with a Homie agent to decide which homes you may want to make an offer on in Boise.

The Lot the Home Sits On

Even though much of Idaho’s real estate sits on predictable, easy-to-manage land, in some cases, a property could have hidden issues. Keep an eye out for the following when evaluating where your home sits:

  • Setback regulations that may limit where and if you can put on an addition
  • Easements put in place that may limit what you can do
  • How fences, hedges, trees, and other things at the edges of the property sit in relation to the actual, registered boundaries of the lot

Check the Available Utilities

Particularly in the more rural areas of Idaho, you will want to double-check the utilities at your disposal. In the more urban sections of the state, you may have multiple options for handling sewage, as well as heating your home. However, other parts of the state have far fewer choices. It’s best to decide ahead of time how you will deal with:

  • A septic system instead of a town sewer
  • Limited heating fuel options—and the extra expense that may involve
  • Getting a back-up energy source in case there’s a blackout due to a storm and crews are delayed in fixing it

In most cases, any inconveniences can be overcome with a little planning. The more rural sections of Idaho more than make up for it with their natural beauty.

Energy Efficiency

Idaho’s temps can dip below zero degrees Fahrenheit in the winter and push the mercury above 100 degrees in the summer months. To keep comfy, whether you want to be cozy or cool, it’s important to try to find a home that’s energy-efficient. Focus on both the insulation and the mechanical system.

If there’s no information available for the insulation used in the home, you can often gauge its efficiency based on the thickness of the walls. Two-by-six construction tends to be better at maintaining inside temps than two-by-four walls. Likewise, single-pane windows allow more heat loss or gain than a modern dual pane window filled with argon. A quick trip to the attic can reveal the kind of insulation between the roof and living spaces below.

The Importance of Using an Agent

Enlisting the assistance of a Homie agent can make the buying process easier and save you thousands of dollars, not to mention peace of mind. Here are some of the top advantages of using a Homie agent instead of trying to DIY your home purchase.

Getting the Best Deal

Making the right offer is a fine art and skill. Often, a homebuyer may have a number they think reflects the value of the home, but even a thoughtful figure may be skewed by a number of subjective factors. With an agent from Homie, you’ll get a dedicated professional that knows the local area, how its prices have fluctuated over the years, and how well homes tend to hold value.

A local agent from Homie also knows how long properties tend to stay on the market in a given area, as well as the infrastructure and municipal projects in the works that may influence the value—present or future—or a home. With this store of data and insights, a Homie agent can help you nail the best offer and earn you a great deal.

Work With Experienced Professionals

When you work with Homie, you not only get to work with some of the top agents, but Homie also helps you find the best providers for all your needs through Homie Marketplace. The Marketplace is a list of partners that we know do amazing work in things like home inspections, warranties, and moving services.

Finding trusted professionals for each part of the home buying process is essential. A good home inspector will tell you what types of repairs your potential home needs. This important information to have so your agent can help you negotiate a fair price.

You’ll also want a good home warranty to protect against any unexpected issues that might come up after you move in. Instead of hunting all over the place to find each of the providers you need, our Homie team will help connect you with the right people.

Familiarity With Legal and Paperwork Requirements

There’s a lot more to buying a home than writing a check and grabbing the keys. The legal landscape can get tricky, particularly when it comes to the paperwork. Even well-meaning sellers can include clauses in the contract that could put you at a disadvantage.

Work With a Homie

If you’re digging for an Idaho real estate gem, a Homie professional can help you as you prospect for your prize. Whether you’re looking for the perfect starter home, an upgrade as your family grows, or a lovely investment property, your Homie agent will help you score a great deal and have a smooth process. Click here to start working with Homie to find your Boise home today!

For more tips on home buying, check out the articles below!

4 Ways to Outsmart the Competition When Buying a Home
5 Tips to Help You Afford Your First Home
Common Home Buying Fears and How To Overcome Them

Want to learn more about buying or selling? Sign up to get more info directly to your inbox!

What are you interested in?

The post How to Find a Home in ID appeared first on Homie Blog.

Source: homie.com

June Financial To-Do List + Calendar

Life happens, but you can be prepared for the unexpected with an emergency savings fund. These funds are designed to be set aside for unanticipated expenses, such as:

  • Unexpected job loss
  • Unforeseen medical expenses
  • Car repair
  • Family emergencies

Emergency funds serve as an important financial buffer in the event of an emergency, and it’s easy to get started with this savings task. In this month’s financial checklist, we’re going to focus on tasks that will help you build an emergency savings fund.

 June Financial Checklist: Emergency Savings

  1. Determine how much you want to put away
  2. Pick where to save your emergency fund
  3. Set up automatic contributions
  4. Pad your emergency fund
  5. Review and adjust your contributions monthly

Let’s look at ways you can boost your savings, build your emergency fund, and keep your finances on track as we enter the second half of the year.

  1. Determine how much you want to put away

Set a goal savings amount that is moderately challenging but attainable.

  • Less aggressive: 3 months of living expenses
  • More aggressive: 6 months of living expenses

Example: If you make $3,200 per month after taxes, you’ll want to have $9,600 to $19,200 in your emergency fund.

2. Pick where to save your emergency fund

Consider emergency savings as untouchable for expenses that are just wants – keep this money here for when you really need it.

To help resist the temptation of spending these savings, put your emergency fund in the right place:

  • High-yield savings account
  • Money market account
  • Certificate of Deposit (CD)
  • Roth IRA

Sometimes there’s not a one-size fits all solution. Consider putting emergency funds away in more than one of the above options. 

3. Set Up Automatic Contributions

  • Funnel some of your paycheck directly into your emergency fund
  • Start with a small percentage, and be sure you can still live comfortably
  • Make contributions more aggressive over time if possible

4. Pad your emergency savings

  • Sell old things you no longer use
  • Funnel “surprise” cash into your savings
  • Save your tax refund
  • Try a no-spending challenge
  • Take on a side hustle

5. Review and adjust your contributions monthly

  • Check in each month to see how much you’re putting away
  • Adjust your contributions if your account isn’t building quickly enough

 

Key Takeaways

Prefer to organize online? Create an editable copy of our June monthly template in three simple steps:

  1. Open our Calendar Template in Google Sheets
  2. Select “File”, then “Make a Copy”
  3. Save in your own Google Drive to make edits

Our finance tips can help you throughout the year so be sure to take a look! Improve your finances in 2020 with our series of financial to-do lists tailored to each calendar month.

The post June Financial To-Do List + Calendar appeared first on MintLife Blog.

Source: mint.intuit.com