Pharmacy Central

Searching High and Low for Affordable Insurance

2008-08-11T23:36:00.000-07:00

If I make the right choices while updating and changing my insurance plans, it looks like I could save a hefty sum of cash. My cars insurance is the first insurance policy I plan to update and I intend to use the many car insurance tools available to estimate policy costs and find the most affordable prices. Home insurance is also on my agenda to investigate and hopefully improve. I think I shall combine my home and contents insurance policies into a home contents insurance plan rather than keeping them as separate policies, which could also save me a bit of money. I have always kept them separate but times are changing and this will provide all the cover I need without the costs I am currently paying.

I might discuss my insurance cover types with insurance lawyers which will help me understand the many laws involved with claims and levels of coverage. I shall also think about submitting an application for loan insurance to protect me incase I am not able to complete loan repayments on the loans I am currently paying off. All this insurance business will hopefully be completed this month, but I will then familiarise myself with liability insurance and all the other business related insurance matters. Hopefully all this research will make sure I choose the right policy.

I am not familiar with farm insurance but it has been an important policy for my close friends. Their insurance company has provided nothing but helpful advice. Recently, while making an insurance claim, the insurance investigator who inspected their farm was particularly helpful and friendly. The insurance cover letter even had some friendly information and advice written down for their future reference. I just hope I can find an insurance company who is as friendly as theirs, but it could well be a diamond amongst all the others available.

On My Way to the Land of Discount Insurance

2008-08-05T22:06:00.000-07:00

I'm determined to reduce my insurance costs this week by reviewing my current policies and making some changes. I will either adjust the options within my policy or completely change my insurer. I need to investigate mortgage insurance as my number one priority as i'm sure I am paying a lot more on my insurance premium than I should. I will use insurance calculators and find some free insurance quotes to help determine which will be the least expensive insurance policy and company.

I also need to get some insurance quotations for my motorcycle insurance. I have been with this insurance company for many years but seem to be paying a lot more than others. This motorcycle insurance policy has limited coverage too so I hope to increase my cover before there is an accident or theft. If i'm lucky I might even be able to combine my automobile and motorcycle insurance in the one policy to save even more money. I shall investigate the insurance rate for all the possibilities and see what would be most beneficial.

I shall start with NSW insurance for my research and comparisons, and slowly move to the other companies and states. I might talk to a financial advisor and insurance broker about insuring all my property and the many insurance policies available. They should be able to shed some light on the options for my financial situation. I will also ask for an insurance quotation for all the policies they recommend so I can decide for myself which will suit me best. Discount insurance here I come!

Astronomical Phone Bill!

2008-07-31T21:14:00.000-07:00

I received my phone bill the other day and was horrified to discover how expensive it was! I have been making several long distance calls of late and hadn't realised how easily the costs can add up. I have been looking into VoIP phones and call rates and it looks like I could save a lot of money using these phones. I found a website TutTele.com which has some great call rates and deals on VoIP phones. It has easy to follow instructions to help you setup VoIP, and you can also signup to their website for free!

Help Me Choose a New Visa

2008-07-17T23:10:00.000-07:00

Finding new visa credit cards has been a tricky task. I have searched all the websites and I still can't make a decision! There are so many types of credit cards that i'm not entirely sure which would suit my financial situation best. I know low interest rates would be the feature to look out for but I also want as many interest free days as I can find, and need to find out the benefits of balance transfer credit cards. I have never used a credit card online before but i'm planning to start as soon as I have my new credit card. I've heard a lot about all the terrible fraud that can happen with credit card use online so i'll look into credit card fraud prevention to find out what measures to take to reduce the risk.

Banking Online? Well I Never!

2008-06-29T21:28:00.000-07:00

There is nothing worse than urgently needing to go to the bank when it's raining outside and all you want to do is sit in the warmth of the heater. I was in this financial situation the other day and my friend suggested I should just do all my banking online. It had never occurred to me that banking online is infinitely more convenient than banking in person. I have contacted my bank account and credit card companies who have set up my online savings account ready for me to log in and start transacting! Never will I have to leave the house for banking purposes again!

They Call Me Captain McSpenderson

2008-06-22T21:38:00.000-07:00

Purchasing pharmacy items online can save a lot of money in the long run. I regularly break out my online credit cards and stock up on supplies when in need. It can put a dent in ones finances though as it is far too easy to buy things you don't actually need when all you have to do is click a few buttons and enter a few bank cards details. My credit card services allow me to build up points every time I shop which means i'll be able to choose from the credit card rewards catalogue soon and save even more money. The card services are pretty impressive compared to some other credit cards i've researched. So many benefits with a very low annual fee and 3 free additional cards, you can't go wrong!

This rewards program gives me 2 whole points per dollar spent which is quite high compared to other credit cards. I hope to apply for a frequent flyer credit card soon so I can earn points towards flights as well. The credit card services on these cards aren't quite as spectacular as my current card but none the less admirable. I will begin researching the best credit card company tonight and decide upon the most beneficial card in the morning so I have time to ponder the features I require. There must be a great credit card deal out there with my name on it. It might just take some careful perusing to find the little tyke.

Hunting Beauty

2008-06-15T22:38:00.000-07:00

Waiting for the bus the other day, I was reading through "In Style" magazine and came across an advertisement for a brand new mascara! It has rubber bristles and will prevent my eyelashes from clumping - so it says. I'm never entirely convinced by these ads for mascaras as the lashes they use on the models are usually fake so you actually have no idea how well it works. It's very tempting to just try the mascaras myself as there really isn't any other method of finding out if it will suit your particular eye lashes. Most mascara brands are a bit hit and miss but I have found a favourite Maybelline mascara after trying many others unsuccessfully.

The hunt continues!

Better Than Chocolate

2008-04-29T20:43:00.000-07:00

I truly love chocolate cake with thick, rich, buttery icing and a chocolate cream centre, but not as much as I love discovering interesting websites. I found a group of wonderful websites containing extremely interesting and informative links. The following are particularly impressive:

Jimmy's website contains a bundle of great links to all things finance and real estate. Hayley has links to brilliant shopping and credit cards websites, and Debbie's website is filled with links to wedding, loans, and also real estate related sites and articles.

Perusing these websites is a much healthier option than the chocolate cake and lasts a lot longer!

Vitamin Endeavours

2008-04-22T20:14:00.000-07:00

I've been making wonderful advances in my research to create the ultimate care bear vitamins. I just need some additional funding for my extensive trials and then I can start manufacturing the little treasures. I've looked into secured or second mortgage loans but will need to make some further enquiries before I can decide which would be the most beneficial. My accountant and financial advisor will assist me i'm sure.

As the trials will take months or longer, I will need to apply for my unsecured or secured loan as soon as possible. The vitamins themselves have been costly to produce and i'm sure the packaging and marketing will also be very expensive. This product will be highly profitable in the long run so all my expenditure will be well worth it.

To make the loan decision even harder, there are variable and fixed rate loans. These both have positive aspects but I think the fixed loan would give me the security against current interest rate increases. I can't wait to have all my money issues sorted so I can steam ahead with my product release!

Welcome!

2008-04-20T23:44:00.000-07:00

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