We all are looking to find ways to save money. We don’t want to save money today by dropping coverages that we will need tomorrow. What is important and what are some ways to save money on auto insurance.
Most people agree that honesty is the best policy, but when it comes to filling out insurance applications, many consumers are willing to fudge the truth to get a better rate. According to a study from finder.com, an estimated 35 million Americans have lied on an insurance application.
Almost one in three (29 percent) of the people who have lied on an insurance application have done so for car insurance. That amounts to 10.2 million Americans who were willing to lie to get the best coverage for the road.
Following car insurance, false information is most likely to appear on applications for health insurance (22 percent), life insurance (21 percent), income protection insurance (8 percent), travel insurance (7 percent), home and contents insurance (7 percent) and pet insurance (5 percent).
More men lie than women, but women are more likely than men to lie on an application in five of seven categories: health insurance, income protection insurance, travel insurance, home and contents insurance and pet insurance. Men lead women when it comes to lying on car insurance and life insurance applications.
“Taking creative liberties on your insurance application may seem like an innocent white lie, but it’s actually considered fraud, and the repercussions can be serious. If found out you may be charged a higher premium, denied a policy or even charged with fraud, requiring you to pay a fine or even do jail time,” said Finder’s consumer advocate Rachel Dix- Kessler.
There are numerous ways to save money on car insurance. Let us help you with saving money on your car insurance. Call us at (317) 886-0081
Researching prices and finding deals can be a time-consuming process for many adults, which makes responsible spending a burden. While some big-ticket items can be rewarding, some bad purchases just won’t justify the price over time, no matter how much you try to rationalize the decision.
Photo by rawpixel.com from Pexels
Skis
It may be tempting to purchase a pair of skis, but skiing is an expensive activity, and one that you can only do for a few months a year. The average price for a weekend lift ticket, according to NBC News, is $85.52. In addition, one must pay for travel, winter gear and equipment.
Boat
Purchasing a boat is a huge investment for something you may only get out and use a few times a year. The Intuit Mint Life finance blog estimates that a $20,000 sailboat would cost $358 per month on top of the purchase price. While it may impress your friends, you’re better off renting a boat when you need one.
Big house
Purchasing a house may not be as lucrative as your parents may have told you. A study from the Harvard Business Review shows that once you add in the costs of maintenance and upkeep, the rate of return on a house is pretty close to zero, and big houses can drain owners who can’t keep up with the repairs.
Timeshares
Timeshares offer the benefits of owning a vacation home without all of the expenses. According to USA Today, however, timeshare properties can cost owners thousands in maintenance, which rarely makes it into the sales pitch. They also tie you to one vacation location, which might not be what you want after a few years.
New car
A new car loses 20 to 30 per cent of its resale value after one year, according to CNBC, and you’ll still be paying for gas, insurance and repairs. The most cost-effective vehicles are a few years old, built by reliable brands, and won’t cost you a small fortune for foreign parts when they break down.
Recreational vehicle
Between the high maintenance costs and the need for year-round parking space, a motor home might be more of a burden than you realize. If you’re still on the fence, make sure you factor in the wildly low gas mileage. Kiplinger estimates that a 32,000-kilometre (20,000-mile) road trip will cost you up to $10,000 in fuel alone.
Motorcycle
Unlike many other entries on this list, motorcycles are actually pretty cost-effective… if you don’t take into account health and safety risks. According to the Insurance Information Institute, motorcyclists are 28 times more likely to end up in a fatal accident than car drivers, and far more likely to end up footing an expensive hospital bill, to boot.
Formal attire
How often do you need to wear formal attire, really? With typical banquet-hall weddings declining steadily, according to The Atlantic, most people will find it much more cost-efficient to rent a tuxedo or a formal dress when they actually need them. You may clean up nice but you’ll feel even better if you don’t have to pay for it.
Sandwich press
Single-use kitchen appliances like sandwich presses are among the least useful things you will buy in life, according to Food Network host Alton Brown, and the bulky ones are more likely to gather dust in a cupboard than find a permanent spot on your counter. Try making your next panini with a little ingenuity and a regular frying pan.
Landline
Can you live without your cell phone? If your answer is no, then it might be time to turn that question around. Can you live without a landline? A landline can cost $15 to $45 per month according to Nationwide (though the higher range usually includes internet), which you may be able to cut if you stick to a cell phone only.
As-seen-on-TV kitchen tools
Infomercials are the last resort for a product that just doesn’t seem all that useful. Don’t be misled by the cheery hosts and rapturous audiences. You can find out about products that are worth your money through friends and, more likely, online reviews, which can be brutal when it comes to TV-sold kitchen gadgets, according to Cheatsheet.
Extended warranties
While it may seem like your electronics are constantly in need of repair, a study by Stanford University shows that consumers actually overestimate the possibility of a breakdown for their products. Extended warranties are regularly pushed by salespeople, but they’re hardly ever worth the extra cost.
Gym membership
We all know people who have bought gym memberships for their New Year’s resolution, but nearly 50 per cent of new gym members drop the habit within a month, according to the New York Post. If you still want to improve your lifestyle, get in the habit of exercising regularly before you commit to a gym membership.
Designer pets
Designer cats and dogs can look cute, but they’re also exceedingly expensive. Some organizations, such as the Kennel Club, question whether the breeding of designer animals is ethically sound. Designer pets can have myriad health problems, and it will be up to you to pay for the vet bills.
Breadmaker
It can be a hassle to make bread at home and you’re likely to have the same thought every time it comes out: this could have been better. Bread, fortunately, is a pretty cheap product, and you can save time and counter space by purchasing it in a store.
Expensive weddings
A dream wedding can cost tens of thousands of dollars, and unlike many of the things on this list, you can’t even sell it once you’re done. Increasingly, young people are spending less money on expensive, traditional black-tie weddings, according to Business Insider, and opting for more casual settings and food options. It’s possible that they’ve got the right idea.
Designer brands
Designer brands may make good-quality clothing and accessories, but let’s be honest: you’re paying for the name. Brand-new designer brand products lose much of their value as soon as you take them out of the store. You can save a lot of cash by purchasing used designer brand clothing from consignment stores, according to The Guardian.
Home exercise machines
Home exercise machines are big, clunky and expensive. More likely than not, they’re going to take up a bunch of space in your basement rather than revolutionize your lifestyle. As an alternative, do what you can at home with a simple set of dumbbells and an exercise mat, or get outside and pick up a team sport.
Coffee pod machine
Single-serve coffee pod machines have exploded in popularity in recent years. They may be convenient, but single-serve coffees are enormously wasteful and inefficient, not to mention a burden on the environment, according to the BBC. You can save an awful lot of money by using more old-fashioned methods for your coffee.
Robotic vacuum
Robotic vacuums, like Roombas, detect dust and debris and suck it up for you, but they need to be emptied frequently and you’re still going to have to clean your own corners and tight spaces. From a financial perspective, robotic vacuums cost over $1,000 for a high-end model, according to Business Insider.
Hot tub
Hot tubs seem like fun, but they require a lot of upkeep for something that most people are only going to make use of a few times a year. Keeping a hot tub clean and well-chlorinated can cost hundreds of dollars a year. Yahoo Finance suggests it might even be a better deal to visit a real spa once a week.
Expensive watch
Like so many other things, the poor wristwatch has become redundant in the age of cell phones. But the really expensive watches were mostly just for show, anyway. Rather than spending a few months’ salary (or more) on an accessory that most people won’t even notice, stick to checking your phone when you need the time.
Snowmobile
Snowmobiles allow you to traverse the winter countryside with a lot of ease and pleasure. Unfortunately, the average snowmobiler spends $2,000 a year on maintenance, gas, transport and equipment, according to the International Snowmobile Manufacturers Association. If you don’t live in a rural area where snowmobiling is a necessity, stick to rentals for the time being.
Jet Ski
Jet Skis can help you enjoy the summer, but they’re not much of an investment. No matter how fun you think they are, they won’t seem as enjoyable once you start spending money on storage, gas and repairs. A new Jet Ski can cost up to $20,000, and the truth is that you probably won’t use it enough to justify that price.
Smart appliances
We’re sure that your appliances will one day be smart enough to cook dinner and have it ready for you, but until then, you can avoid the smart refrigerator, which can cost up to $6,000, according to How to Geek, and purchase a regular (or dumb) fridge that does a perfectly satisfactory job.
Then call me to discuss proper insurance at a proper cost. I am able to tailor an insurance portfolio that can fit your budget and needs. Call me at (317) 886-0081 or visit me on line at Scott Lynch Agency
This is one of our options, we have other options with other carriers. Let us help you design your correct coverage. Call us today at (317) 886-0081 or visit us on line: Scott Lynch Agency
When it comes to classic cars, the sporty two-door version of anything is always in higher demand than the four-door family truckster. Nonetheless, collectibles come in all shapes and sizes—even sedans. Here are six beauties for your consideration.
1979–93 Jaguar XJ
The handsome Series III XJ underwent a subtle redesign by Pininfarina in 1979, with the roof lifted an inch in the rear and fender kick added for some sporty flair. Reliability also began to improve even as the British automotive industry reached a production nadir of 880,000 units in 1982. The 4.2-liter six-cylinder proved robust and is favored by collectors today for its simplicity and relative ease of maintenance. The somewhat finicky V12, though, will always win the heart of the Jaguar enthusiast.
1961–67 Lincoln Continental convertible
The fourth generation Continental is arguably the most iconic Lincoln ever made. Its simple, clean design was a welcome departure from the excessive chrome and fins that defined the late 1950s. The famous suicide doors were an ergonomic solution implemented by engineers who had problems exiting the rear seat mockup without hitting their feet on the door. In convertible form, the Continental required 300 pounds of extra bracing underneath to keep the chassis from flexing.
1972 Mercedes 280SEL
The 280 debuted in 1968 with a 2.8-liter inline-six engine and four-wheel disc brakes. In period Mercedes-ese, “S” is for sedan, “E” denotes fuel injection (“einspritzung” in German), and “L” is an long-wheelbase version (“lang” in German). The 280 SEL was second only to the 300 SEL with its 6.3-liter V8.
1955 Chevrolet Bel Air
The all-new 1955 Chevrolet showcased the brand’s modern styling. What put the model on the map, however, was the optional new Turbo Fire V8. The small block displaced 265 cubic inches and could be had with the Power Pack option, a four-barrel carburetor and dual exhaust. Oil filtration was not standard, but could be ordered.
The Bel Air was top of the model range and featured additional chrome, full wheel covers, and plush interior trim.
1985–86 Mercedes 190E 2.3-16 Cosworth
The go-fast exterior of the Mercedes-Cosworth 190E is exciting, with road-hugging lower aero, a discreet rear spoiler, and giant “manhole cover” wheels. What’s more exciting is the Cosworth-tuned 2.3-liter four under the hood, with four valves per cylinder.
The model will forever be linked to Ayrton Senna, with his help in development and subsequent Nurburgring GP celebrity race win.
1965 Chevrolet Corvair
The original 1961-64 Corvair was an innovative and economical small car, with loads of interior room and low maintenance costs. The rear swing axle handling that Ralph Nader took such exception to was eliminated in the 1965 redesign. The new, fully independent suspension and light weight made the car fun to drive, matching the promise of its sporty clean lines, shark-nose prow, and subtle fender arches over the wheels.
You may be thinking February is not the time of year to manage invasive species, especially work involving plants; however, it is a great time of year to review past efforts, and plan invasive species work for the growing season. Many landowners in Indiana are doing just that. In addition to planning for upcoming work, we are excited to announce that Indiana is rolling out the Indiana Invasives Initiative (III) and participating in Weed Wrangle Indiana®.
I am a Veteran and a Small Business Owner. I am constantly searching for ideas and better ways of growing my business.
Today I was searching one of my favorite blogs Veneran Owned Business and ran across the Veterans Chamber of Commerce. This site is packed with programs and assistance for Veterans and Active Duty Military in helping them start their own business.
Here is an over view about them in their own words:
“Everything we do is in support of veterans and their families.
Our Mission is clear: We Empower Individuals and Organizations who have ideas or programs that impact the lives of veterans and their families. Our Message is Simple!: We believe in establishing strong bonds of collaboration with like-minded individuals and organizations who have a passion for helping veterans. What We Believe: We believe in working together as “One-Unit” – We believe in Promoting and Supporting all veterans.
What we do: We help Veterans advance into their next stage in life in three areas:
Entrepreneurship – provide support with training on how to start a business
Business Growth – Provide strategies and business advice
Organizations – Help organizations that serve veterans, expand their reach to the veteran community
On the Service side of the Chamber;
We Empower individuals and organizations who have ideas for programs that impact the lives of veterans and their families, in three areas:
Employment
Education
Family & Wellness”
I signed up today, it was free. I look foward to exploring their programs and will report back what I find in the future.
If you are running a business and/or starting a business in Indiana, give me a call and I can discuss with you options on insuring your business. Call me at (317) 886-0081 or visit me on line at Scott Lynch Agency.
Perry Stern & Mike Meredith = Original Article Here
Strong Showing
The annual Chicago Auto Show gets billing as the largest show in North America, which means plenty of space for exciting production and concept vehicle introductions, as well as some surprises. Trucks are always a focus here in Chicago, and this year was no different with big news from Chevrolet, Ford and Ram. A few automakers had milestone anniversary celebrations for some sports cars and minivans, and there were even some new 4-door sedans — proving that this vehicle class still has some miles to go. Continue on for highlights from the 2019 Chicago Auto Show. Continue
Buying a new car?
Call the Scott Lynch Agency at (317) 886-0081 for great savings on auto insurance rates or visit us on line at Scott Lynch Agency
Let’s talk about engagement party ideas. Though before we even get started, I can see y’all out there cringing at the idea of more-guest-lists-more-parties-omg. I want to take a moment to hold your hand and say if you are throwing an engagement party, here are your priorities.
PRIORITY NUMBER ONE: Just make it fun. That means not being forced into planning a party fit for the Duchess of Windsor on a Jenny From The Block budget. Not being pressured to do All The Things. Not letting your stress levels overtake your excitement levels.
PRIORITY TWO: Sparkling wine!
PRIORITY THREE: Figure out what the heck you want to do. Because really and truly, often picking a theme for an engagement party makes it way easier to plan. Even if that theme is just “pizza and beer and celebrate the newly engaged couple,” you’ll know what your vibe is and what you’re doing, and the rest of
your decisions can flow from there. But hey. We’re going to do you one (or thirteen) better on engagement party ideas, to make the planning process easy.
Keep in mind: an engagement party can be as big or as small as you’d like. It can be thrown by the couple or for the couple. And, free pass, it doesn’t even need to happen at all. But if you (or the people who love you) want to throw an engagement bash, here are my favorite engagement party ideas right now to inspire the fun.
13 ENGAGEMENT PARTY IDEAS
Punch Party
Vintage Cocktail Party
Picnic and Bike Ride
Glamour Vibes
Hygge It Up
Beach Cookout
Personalize This Thing
Earth Children
Statement Balloons
Champagne Tower
Food as Entertainment
Popcorn Bar and A Movie
Dessert as Decor
Photo by Ivan Solis
PUNCH PARTY
Is punch a theme? It should be. Make a fabulous punch or two, definitely with a decorative ice ring (aka people-pleaser extraordinaire). Or try including ultra-extra details, like garnishing with edible flowers that say, “Someone’s getting married and we’re not messing around about it.”
Photo by Crate and Barrel
VINTAGE COCKTAIL PARTY
We’re talking old-fashioned cocktails here. Break out some gorgeous old-fashioned coupe glasses. Put together some old-fashioned appetizers, like cheese fondue or caviar-topped canapés or bourbon nuts. Don’t forget the elegant, ostentatious cocktail garnishes. Wear a velvet pencil skirt. Pearls. You get it.
BIKE RIDE AND PICNIC
Pack twee picnic baskets and meet at a bike rental shop, or just arrive at the picnic spot early to set out your red gingham blankets, baguettes, and strategically placed wildflower bundles. This is an easy one to keep the menu simple with bubbly wine, cheese, crackers, and some fresh fruit.
GLAMOUR VIBES
Break out the rose gold sequin dress from New Year’s Eve, and book the top-floor bar in the city center (the one with the really low mood lighting). You can even request guests wear black and white attire. There’s something about engagement parties that leans toward elegant as opposed to the garden party vibe of many bridal showers, and I say: Go for it.
HYGGE IT UP
Especially in the winter, we all want to get nice and cozy at our social gatherings. Capitalize on those warm feelings with an everything-hygge-themed event. Think: a coffee or hot cocoa bar (spiked!); bonfires outside plus the fluffiest blankets, of course; s’mores; a roaring fire; and hot toddies over good conversation.
Photo by Peden + Munk
BEACH COOKOUT
You don’t want to attempt an engagement bash that rivals the wedding itself, so keep it casual. I love the engagement party idea of a chill beach cookout. Bring a few staples yourself, but ask guests to add in whatever they want to throw on the grill. For more fun, toss some volleyballs around, get your sangria on, and stay late enough to watch the sunset.
Photo by Mary Costa Photography
PERSONALIZE THIS THING
Did the couple have their first date at a zoo? Do they really love science fiction? Are they constantly traveling to France? Add in some thematic elements that will make people go, “That is so Chris and Malery.” Or, include little details about them in the decor, like photos of them as kids suspended on the strings of helium-filled balloons, or notes about why they’re a great team scattered on tables.
Photo by Robbie Caponetto
EARTH CHILDREN
If your couple has more than a couple green thumbs, this could be the perfect engagement party idea. Some versions of this idea include succulent decor, seeds as favors, hanging air plants, or even cookies shaped like ferns. Consider hosting this party in a botanical garden, or even just a particularly lush stretch of public park.
Photo by Sweetteapaper
STATEMENT BALLOONS
Say it right with these bubbly, ultra-fun balloons. You can find cursive, metallic ones that say “love,” or purchase individual letters to spell out the couple’s name or a longer phrase (maybe try “CONGRATS LOVEBIRDS”). Set them over the dessert/food/booze tables, or line the phrase up as a trail from the front door, so that when the couple enters, they’ll be greeted with helium cheer ASAP.
CHAMPAGNE TOWER
Champagne towers seem to be disappearing from wedding-related events, and, if you ask me, we need to bring them back, fast. They’re opulent things, though, so save this engagement party idea for your One Big Thing at the party, and bust it out just in time for the toast for fun. It’s a memorable way to congratulate the couple.
FOOD AS ENTERTAINMENT
DIY food stations are fun, but who doesn’t like to be a little spoiled? For this engagement party idea, bring in a pro, like a sushi chef, a stellar taco truck, or even a custom cotton candy maker for an indulgent treat that doubles as something fun to do at the party. (In Honolulu, you can hire an amezaiku, or Japanese candy art expert, and they’ll whip up lollipops on the spot, shaped as animals, people, and more!)
POPCORN BAR AND A MOVIE
But okay, DIY stations are also super fun. Popcorn is so easy, and so casual, and has a million ways it can be customized. (Sweet! Salty! Nutty! Spicy!) Then, use a projector play a flick on a sheet in the backyard, a la an old-school drive-in. Make sure you pick a movie that’s short and sweet, or keep the volume turned low enough to facilitate mingling and mixing throughout the party.
TUBING
If you’ve never been tubing before, this is when you and all your friends each get an inner tube, tie them to each other, and either float lazily down a river or hang out in the ocean. It’s the best thing ever. It’s the engagement party idea to win all engagement party ideas. And it should be the theme of all your next parties.
DESSERTS AS DECOR
Again, there’s no need to go All Out In Every Way. Instead, go for one or two sweet touches. For example, opt for shaped, custom cookies, in an image that resonates with the couple (maybe they love hedgehogs, are serious dog people, come from California, or love bikes) or the generic-but-always-cute chunky, stylized engagement ring. Or how cute are these donut engagement rings? Yum!
Natalie Schack
STAFF WRITER
Natalie Schack is an Oahu-based brunch enthusiast, full-time glutton, and freelance writer on the side, who’s constantly pumping out pages on topics ranging from all the pretty things, to some of the not-so-pretty ones. If she’s not in bed daydreaming about birthday party themes or biking through Honolulu with her untamable, impossibly lovable, rascal of a husband, you’ll find her locked in a heated debate about this or that science fiction film, hiking *all* the mountains, or drooling over a new, sexy slice of design that found its way over to her cozy corner of the Internet.”
Make sure you tell your Insurance Agent about your new Engagement Ring. If you’d like more information about insuring your jewelry, call Scott Lynch at (317) 886-0081 or visit him on line at: Scott Lynch Agency
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