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If you don't insure for the full replacement cost of your home, in the event of a loss, the insurance company may not be obligated to pay the full amount of your loss, even if you have only a partial loss. |
But many homeowners waste money by overinsuring, usually because the mortgage lender asks for an insurance policy for the amount of the mortgage balance. This is not the right way to determine the correct amount of insurance, because the mortgage balance is irrelevant to the home's replacement cost. Several states now ... |
For example, suppose your mortgage balance is $100,000, but it will cost only $80,000 to rebuild your home in the event of a total loss. Obviously, you need only $80,000 of fire insurance. |
But many mortgage lenders would demand that you waste money and carry $100,000 of fire insurance. However, many lenders can be convinced such overinsurance is a waste of money. Surprisingly, most insurance companies don't want policyholders to overinsure, even though the insurer earns extra premiums, because overinsura... |
How to determine your home's replacement cost. The cheapest way to determine your home's replacement cost is to invite one or more insurance agents to inspect your home and give their estimate of its replacement cost. |
If you purchase a guaranteed replacement cost homeowner's insurance policy, the insurer is then obligated to rebuild your home, even if the cost exceeds your policy limits. Most lenders now accept these guaranteed replacement cost policies even if the amount is lower than the mortgage balance. |
How to cut your homeowner's insurance cost. In addition to not overinsuring, another way to cut the cost of your home insurance is to raise the amount of the deductible. |
The most expensive policies have $100 and $250 deductibles. If you can afford to pay the first $500 of any loss, you can save substantially on your homeowner's insurance premium. Better yet, if you can raise the deductible to $1,000, you will save even more. |
Another way to cut your home insurance cost is to lower the liability limit. The liability coverage on your policy protects you in case someone is injured on your property, such as a visitor falling down the front steps. At least $100,000 liability coverage is essential, but $300,000 to $1 million coverage is not unusu... |
However, ask your insurance agent if you can save money by lowering your homeowner's policy liability limit and purchasing a $1,000,000 or higher "umbrella policy" from the same insurance company. Umbrella policies are very inexpensive. |
Still another method of cutting your homeowner's insurance is to compare personal property coverage. Some policies pay only the depreciated value of furnishings that are damaged or stolen, but other policies pay the full current replacement cost. |
Most policies insure personal property up to 50% of the replacement-cost policy limit for the building. If you are willing to accept personal property depreciated-cost coverage rather than replacement cost you can usually save substantially. |
Choose an insurance agent as much as you choose the company. When buying homeowner's insurance policies, ask friends for recommendations of the best insurance agents. Although you may be able to purchase cheaper insurance elsewhere, if the local insurance agent is known for top quality claims service, that is the compa... |
Ask each agent how claims are handled. If they are settled locally, that is a big advantage. However, if claims must be approved in a distant office, perhaps a slight premium saving isn't worth the hassle. There is no substitute for a local insurance agent who realizes the customer must be satisfied if the agent is to ... |
Don't confuse mortgage insurance with life insurance. Finally, don't be confused about all the insurance agents who want to sell you mortgage insurance, which will pay your mortgage in case you become disabled or die. These policies have no connection with fire and liability coverage. |
They are essentially life insurance. If you already have adequate life insurance, you probably don't need a mortgage-protection policy. However, since these policies are extremely profitable for insurers, don't be surprised if you are continually harassed by many agents who want to sell you such insurance. |
3 bedroom, 1 bath mobile home located in Gwinn! The back bedroom doubles as a hot tub room to enjoy all year round. The bathroom has a heat lamp over head. Front of home is heated by furnace and then a wood stove also heats in the backside of the home. On the outside of the home there is a complete RV hookup. The detac... |
LAS VEGAS—Prime Focus Technologies is pulling the curtain back on what it will be showcasing at this year’s NAB Show. Set for prime display at the PFT booth is the latest developments of the CLEAR Media ERP Suite, which includes automation-led technologies and managed services, and Vision Cloud, a collection of AI-led ... |
The new elements of the Media ERP suite includes Centralization, automated content operations for the global enterprise; Content Acquisition Portal, a system designed for managing content acquisition and the associated process, including evaluation, editorial, enrichment and archival; Promo Operations Automation, busin... |
Then the Vision Cloud is a native media recognition AI engine that synthesizes and focuses on the most diverse and relevant annotations to deliver actionable search results. Its AI-led micro services deliver automation and data to accelerate the adoption of AI within M&E businesses. |
Learn more about these services at PFT”s booth, SL9605, during the NAB Show. |
Prime Focus Technologies will be using the 2017 NAB Show as the launch pad for its new IMF Media Player and Mastering Automation system, both of which work with its Clear Media ERP product. |
Prime Focus Technologies will feature its new DAX Production Cloud software at the 2016 NAB Show. |
Rapper and gem sweater diva Leslie Hall is embarking on her first U.S. tour. |
One of our favorite memes of the early oughts is still going strong and getting attention from the NPR set. Irony is not dead. |
THE Joffrey Ballet has come up with something different again, as far as American ballet companies are concerned. This time it has paid tribute to Erik Satie by showing off two aspects of the French composer's work. |
THE Joffrey Ballet has come up with something different again, as far as American ballet companies are concerned. |
The highlight of the evening was a performance of Satie’s music to “Entr’acte,” Rene Clair’s brilliant (and still enjoyably trippy) 1924 silent Surrealist film. |
NEARLY 60 years after his death, Erik Satie remains one of music's puzzle figures. |
Erik Satie was an eclectic avant-garde composer who produced music for cabaret revues, happenings, Rosicrucian meetings and straight performance in the late 19th and early 20th century. |
Mr. Ciccolini said he had no delusions about whose legacy would be longer: Satie’s or his own. |
Out of contempt for tradition, out of loyalty to the absurd, Erik Satie filled his scores with unperformable commands. |
LEAD: Henri Sauguet, a French composer who in the 1920's helped return French music to its natural state of graceful aphorism and wit, died on Thursday at his home in Paris. He was 88 years old. |
LEAD: Roland Petit played a major role in the rebirth of French ballet after World War II, and it was natural that he be represented in the three-week dance festival here devoted to four centuries of dance in France. |
John Lee is the political editor and columnist at the Mail on Sunday (Ireland edition). He has covered Irish, British, US, European and Australian politics for over 20 years for a number of titles, including the Sunday Times and the Daily Telegraph (Australia). |
Trump keeps it simple on Asian tour – trade and North Korea. But where is the strategy? |
The conspiracy theories will continue, perhaps forever, but at least until the latest 180-day deadline on the final tranche of JFK assassination documents. |
Top secret files are due to be declassified this month in a move that could bring closure to one of the most traumatic events in US history – the assassination of President John F Kennedy. |
Many in the US like to see their country as a peaceful, munificent global arbiter which will only take up arms when roused beyond reasonable restraint. The facts, however, contradict this. |
Bannon reveals secrets of Trump’s White House Bunch – and they’re pretty Wild! |
There were many disturbing moments in Steve Bannon’s CBS interview, but perhaps the most harrowing for sensible viewers was his comparison of the Trump team to the gang in the Hollywood Western the Wild Bunch. |
The presidency can survive the days of Donald Trump, but can Congress? |
The American electorate turned to Donald Trump because Congress had become so dysfunctional that it no longer worked. One of the many tragedies of Trump’s presidency is that Congress is now less able to do meaningful business. |
US President Donald Trump is finding his campaign promises increasingly difficult to fulfill, but his leaning towards military interventionism could be the most fundamental breach of trust for his Rust Belt supporters. |
What do Democrats really want: Votes of the poor or money of the rich? |
The Democrats are to blame for handing Donald Trump the opportunity to play out his slapstick farce in the White House, but the opportunity for electoral redemption comes around quickly in the United States. |
When Donald Trump was elected the 45th President of the United States we clung to fragile hope. We hoped he could morph from the wild, aggressive and boorish candidate into a moderately good president. |
Thousands of people have taken part in a protest march in Dublin to highlight the housing crisis. |
The latest figures released by the Department of Housing showed that there 9,724 people accessing State-funded emergency accommodation in October. |
The march organised by National Homeless and Housing Coalition took more than an hour to travel from the Garden of Remembrance, to O’Connell Bridge, along the south quays to Dame Street where speeches were delivered from the back of a lorry. |
Coalition organisations including unions, left-wing parties, community action groups and organisations working with the homeless then listened to a range of speakers call for urgent political action to end homelessness. |
Tina McVeigh, co-chair of the National Housing and Homeless Coalition and a member of Dublin City Council, told marchers it was the fourth anniversary of the death of homeless man Jonathan Corrie “yards from Leinster House”. She said the Government had promised an end to homelessness but the problem remained and number... |
“They were able to bail out the banks in a day, it took six hours to nationalise Anglo Irish Bank” she said adding that the “only people who should be sleeping in Garda stations” were not the homeless but “the TDs in Leinster House”. She called for the crowd to join her in a minute’s silence for Mr Corrie. |
Michelle Byrne, vice-president for campaigns at the Union of Students in Ireland said students were sleeping in cars outside colleges or travelling for six hours a day to avoid enormous rents. She said people were being “locked out of education because of the price of accommodation. Some 8 per cent of those declared ho... |
Ailbhe Smyth told the crowd having a home and a house is not a privilege “it is a necessity and a human right”. John Bissett of Housing Action Now said 70,000 housing units were needed over the next five to 10 years and the Fair Rent Housing Campaign had brought forward plans how this could be achieved. He said the cam... |
The coalition is calling for the declaration of a constitutional right to housing and a recognition of a housing emergency. |
Before it commercially packaged its beer, Karl Strauss ran as a brewpub, beginning with this original Columbia Street location in downtown San Diego. The company now operates six Southern California brewery-restaurants with a seventh set to open in Riverside County’s Temecula community by the end of 2013. All of Karl S... |
Additional locations in La Jolla, Sorrento Valley, 4S Ranch, and Carlsbad. |
Monday 3-6pm: $5 all beers, flights, house wine. $5 Duck Fat Pretzel Bites, Golden Beet Bruschetta, Boneless Buffalo Wings, Chili Lime Fries, Double Truffle Fries, Crispy Organic Tofu. |
Tuesday 3-6pm: $5 all beers, flights, house wine. $5 Duck Fat Pretzel Bites, Golden Beet Bruschetta, Boneless Buffalo Wings, Chili Lime Fries, Double Truffle Fries, Crispy Organic Tofu. |
Wednesday 3-6pm: $5 all beers, flights, house wine. $5 Duck Fat Pretzel Bites, Golden Beet Bruschetta, Boneless Buffalo Wings, Chili Lime Fries, Double Truffle Fries, Crispy Organic Tofu. |
Thursday 3-6pm: $5 all beers, flights, house wine. $5 Duck Fat Pretzel Bites, Golden Beet Bruschetta, Boneless Buffalo Wings, Chili Lime Fries, Double Truffle Fries, Crispy Organic Tofu. |
Friday 3-6pm: $5 all beers, flights, house wine. $5 Duck Fat Pretzel Bites, Golden Beet Bruschetta, Boneless Buffalo Wings, Chili Lime Fries, Double Truffle Fries, Crispy Organic Tofu. |
Sunday 11:30 a.m. to 10 p.m. |
Nov. 3, 2008 @ 4:39 a.m. |
The best brewery in San Diego. Service is above average at the bar as well as at your table. Generally about 10 or more beers on tap. My favorite is the Amber Lager which is a staple. Also, the Red Trolley is suprisingly very tasty at 9% alcohol. Every beer is at least good. |
Food is delicious. My favorite appetizer is the Garlic Parmesian Brewery fries. Steaks are very tender and the Grilled Fish tacos are very flavorful. |
June 7, 2009 @ 1:47 a.m. |
Gotta agree with abbey road on this. Not only the best Beatles album, but the best appetizer is the garlic fries. |
The location in Sorrento Valley is incredible. Everyone that works in that area knows about it, but it's worth the drive, to sit in the Japanese Garden, looking at the beautiful trees and koi pond. |
They yelled at me once for feeding french fries to the fish. But I've shaped up now, and love going to this place. |
More than 66,500 FamilySearch volunteers around the world helped index and arbitrate records from July 20 at 6 p.m. to July 21 at 5:59 p.m. as part of the Worldwide Indexing Event. |
More than 66,500 FamilySearch volunteers around the world helped index and arbitrate records from July 20 at 6 p.m. to July 21 at 5:59 p.m. as part of the Worldwide Indexing Event and also helped set a record for the most volunteer indexing participants online in a single day, according to FamilySearch’s Facebook page ... |
Indexing is transcribing information from historical documents to make it searchable online. Once indexed by two volunteers, an arbitrator checks them before the records are live online. |
FamilySearch’s previous one-day record was 49,025 individual contributors, set on July 2, 2012. |
Since FamilySearch started the indexing program in 2006, more than 1 billion records have been indexed, according to FamilySearch. |
For information about volunteering, see familysearch.org/indexing. To search these records, go to familysearch.org. |
Chauhan was in the store to get her iPhone fixed when she spotted the press secretary. |
“I realized what an enormous opportunity it was to get answers without the protections normally given to Mr. Spicer,” Chauhan said in a post on Medium. |
“We can win if we resist together for liberty, justice and equality. This is our shared America,” Chauhan said in her post. |
Alyssa Madruga is a news editor for FoxNews.com. Follow her on Twitter @AlyssaMadruga. |
“Monday’s Messages.” The Rev. Matthew Watley of Reid Temple AME Zion will preach 7 p.m. Oct. 26. 114 Nelson Ave. www.secondcalvary-charlotte.org. |
Trunk-or-treat, chili cook-off, classic cars from the Southern Performance Ford Club. 4-7 p.m. Oct. 24. 4316 Mount Holly-Huntersville Road. www.hollyhunterchurch.org. |
Trunk-or-treating, bounce house, horseback rides, face painting, children’s costume fashion show, bingo, music. The community is invited. Activities for all ages. Children should bring a bag for treats. Family-friendly costumes welcome. 3-6 p.m. Oct. 24. 401 N. McDowell St. www.littlerockamezion.org. |
Learn how to mentor people who have criminal records or who have been incarcerated. 6-7 p.m. the fourth Tuesday of each month at Mount Carmel Baptist, 7237 Tuckaseegee Road and 10-11 a.m. the fourth Saturday of each month at Saint Paul Baptist, 1401 Allen St. |
Group for people with criminal records or who have been incarcerated. 11:15 a.m.-12:15 p.m. the fourth Saturday of each month at Saint Paul Baptist. www.exodusfoundation.org. |
11:30 a.m.-2:30 p.m. Oct. 25 at Robinson Presbyterian, 9424 Harrisburg Road. www.cbcc.us. |
Food, bounce houses, games, other entertainment and fun, fellowship. 6-8 p.m. Oct. 31. 9115 Newell Baptist Church Road. 704-596-0184; www.newellbaptistchurch.com. |
9 a.m.-1 p.m. Oct. 25 at Ebenezer Baptist, 2020 W. Sugar Creek Road. www.cbcc.us. |
Men are invited to hear Tim Laniak address leadership as a sacred calling. This message is for fathers, CEOs and pastors. Laniak will share biblical insights on becoming an extraordinary leader who follows God, shepherds his family, corporation or flock with integrity and wisdom, manages resources well, and earns the r... |
Saint Andrew’s UMC Players present “Scrooge: A Radio Adaptation of Charles Dickens’s ‘A Christmas Carol.’” Tickets on sale now. $15. 6:15 p.m. Nov. 6-7. 1901 Archdale Drive. 704-553-1327. |
“Judgment House: Unexpected” is a drama about texting and driving. Not for children younger than 10. Walk-ins welcome; reservations recommended for groups of 10 or more. $3 per person. 7-9 p.m. Oct. 27-29 and 7-11 p.m. Oct. 30. 732 Indian Trail-Fairview Road, Indian Trail. www.fbcit.org. For group reservations, call Re... |
MOPS and MOMSnext will host their annual Trunk-or-Treat Family Fun Day with crafts, bounce houses, face painting, games, hayrides and more. Free. Lunch plates and baked goods for sale. 10 a.m.-1 p.m. Oct. 31. 13501 S. Tryon St. www.ctkcharlotte.org. |
Fair trade sale: Shop early for Christmas and see how The Marketplace, a Christian fair trade store in Cornelius that works with cooperatives in more than 20 countries, is sharing the gospel and helping people change their lives. 10 a.m.-2 p.m. Oct. 25. 8015 Ballantyne Commons Parkway. www.themarketplacenc.com. |
Family program: “Celebrating Women Who Journeyed With Jesus.” Free. 7 p.m. Oct. 25. 5815 Carmel Road. www.Facebook.com/CharlotteAreaMormons. |
Dr. Sandra Burke of the American Heart Association will present “Cardiovascular Disease: Are You at Risk?” Shannon Emmanuel, senior director of community health for the AHA, will present educational resources on cardiovascular disease. Healthy lunch provided. Free. Noon-1 p.m. Oct. 28. 1525 Crane Road, Waxhaw. 704-843-... |
Handmade Christmas decorations, children’s items, plants, frozen casseroles, canned goods and home-baked cakes, cookies, pies, candy, and breads. Proceeds go to missions. 8 a.m.-noon Oct. 24. Ham and sausage biscuits available 7:30 a.m. 5300 Nesbit Road, Waxhaw. 704-764-3602. |
“Let’s Talk About Depression and Anxiety” is open to anyone affected by mental illness. We will share our experiences, relevant Scripture readings, prayer and resources. Attendees encouraged to bring resources they have found to be helpful. Free. Child care available upon advance request. 5-6:30 p.m. Oct. 25. 9212 Brya... |
The Hinson Girls, four sisters from Lancaster, S.C., and winners of the South Carolina Bluegrass Band Championship, will perform bluegrass gospel music. 6:30 p.m. Oct. 25. 9015 Ferguson Road, Mint Hill. www.clearcreekbaptistchurch.com. |
The church will celebrate its 16th anniversary throughout October. The theme for the celebration is “Year of Renewed Vision and Passion.” We will have special guests on Oct. 21 and 25. 7027 Stillwell Road, Matthews. www.nbccministries.org. |
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