Unless you’ve been living under a rock for the last few weeks, you will know that money is about to get tighter. Now that the spending cuts have been announced, people up and down the country are trying to work out how they can save money and this is particularly the case for businesses.

If you run a business that relies on a fleet of vans, then you will know all about those costs that just seem to creep up on you. No sooner have you renewed your tax disc than you’re being hit by a massive bill for your van insurance.

But there are ways in which you can save money. Be a little more careful and start shopping around for cheap van insurance and you will soon start to see a difference to the company’s bank account.

But if you’re still in need of some money saving tactics, then another thing that you could perhaps look at saving money on is petrol. As petrol prices continue to soar, it’s important that you pass some driving techniques onto your drivers that can help them be more efficient with their fuel.

The first tip to pass on to your drivers is to use the right gear. They should move up the gears fairly quickly to avoid wasting any fuel. Something else that can save fuel is limiting the time that you use air conditioning. Using your air conditioning can really increase the fuel usage so it’s best to keep air conditioning to a minimum. Checking the pressure of your tyres is another way of ensuring that you are keeping your fuel use to a minimum.

Most businesses have got used to keeping an eye on their budgets but with the spending cuts having more of an impact, there is a need to look at other ways of saving. With help from your drivers though, you could soon be saving some money and seeing a real difference to your company as a whole.

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I asked Kristi (a 32 year old woman who suffers from an extremely rare, serious and disabling neuromuscular disease called Stiff-Person Syndrome (SPS), as well as Myasthenia Gravis and Gastroparesis) while I had her on the phone, “If she knew then, what she knows now, what would she do differently?” One of the first things she said was to make sure everyone had disability insurance.

No one wants to think about being disabled, however, the reality is one third of all American’s between the ages of 35 and 65 will become disabled for more than 90 days, according to the American Council of Life Insurers.

What’s worse is that one in seven workers will be disabled for more than five years. This is not normally caused by a freak accident, most of the time it is caused by illness.

Disability insurance replaces a portion of your income if you become disabled and are not able to work. Check with your employer, they usually offer a group plan that will replace up to 60% of you salary. Supplemental plans and individual policies will usually cover more. Benefits usually last for a set number of years or until you reach retirement age.

Long-term disability plans vary quite a bit. Some are wonderful and pay benefits when you need them. Others are very difficult to work with. Usually this is tied to the amount you pay for the premium monthly. Some of the cheaper ones you may inevitably find worthless.

If you are employed, you should find out if your employer provides long-term disability insurance. Then, take a good look at the policy and see if it is enough. Many group plans have a benefit cap of $ 5,000 per month or $ 60,000 per year. See what percentage of your salary it will cover, bonuses do not always make the cut. Also, check the length of time they will cover your salary, usually it is limited (i.e. two years, five years, etc.).

Many of you may be asking, what is the difference between short-term and long-term disability? Short-term disability is also known as sick leave. This starts as soon as you are unable to work, due to illness, injury or the birth of a child.

In California, employers are required to offer 52 weeks of short-term disability.

Long-term insurance starts as soon as your short-term disability runs out. However, there are no state laws requiring employers to provide long-term disability benefits.

If you decide to purchase an individual long-term disability plan, or to supplement your employer’s plan, find out how much short-term disability coverage you have.

If you are self-employed or not covered by your employer, you will want to look into purchasing an individual plan. Even if you are covered, you will want to check your coverage and consider supplementing.

Hopefully Kristie’s advice will spur some of you on to look into Disability Insurance. Medical expenses are the number one reason people file for bankruptcy in the United States. I know Kristie does not want you to become another statistic.

Now is the time to prepare for the unexpected. Please take the time to read Kristie’s story (, you have to register, but it is easy and free). She needs your help now more than ever.

Mompreneur Kristi LeGue is a Certified Public Accountant and the mother of three young boys. She has owned Kristi LeGue, CPA a public accounting firm for over five and a half years. As a Certified QuickBooks ProAdvisor, Kristi helps you understand your financial situation, clean it up and move forward financially stress free.

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In this article today I would like to talk about several tips, tricks, and tactics that just about everybody can use to dramatically and substantially lower the cost of homeowners insurance.

Everybody that borrowed money from a bank in the form of a mortgage to purchase a house is required, usually by the bank, to purchase homeowners insurance. The reason this is the case is the bank wants to make sure that they are covered in case something happens to the house because for most people the house is the major form of collateral used to cover the loan to begin with.

Even if the bank did not require homeowners insurance, it would still probably be a very good idea for you to own it because it would be horrible to lose everything you own in a fire or other disaster that destroyed your house without having some insurance to cover the loss.

But that doesn’t mean we have to like it and that doesn’t mean we have to overpay for it, and that’s what I’d like to talk about in this article today.

The first thing you should do is take a personal inventory of everything you own. If there is a disaster and your house is destroyed, this personal inventory is going to be very helpful and allow you to be accurate in your report. Be sure to keep this inventory somewhere other than your house such as a safe deposit box at a bank, or at a relatives house like your parents. This way it won’t be destroyed if your house catches on fire or something.

You should also take photographs or even videos of the things you own because you can use this as proof of ownership if you do have to make a claim.

Another way to lower the cost of your insurance policy is to not insure keepsakes. Many times keepsakes are worth more to you from a psychological point of view and an emotional point of view then they are actually worth value. Insuring these things will not bring back that emotion if you have to replace the item. For instance if your grandmother gave you a set of dishes, those dishes have sentimental value and any replaced dishes that your policy pays for won’t have that same sentimental value. So why spend more money on a higher priced premium to cover them?

Finally, if you have especially expensive items like a fancy computer or flat-panel TV, consider purchasing a separate rider policy that may be less expensive than covering these items in the homeowners policy itself.

So there you have several tips, tricks, and tactics that you can use to lower the cost of your homeowners insurance. Hopefully you never have to use this policy but if you do it’s better safe than sorry.

J.P. Morton runs a bath towel sets web site where he also reviews the best cheap bath towels for your bathroom. He has been an article writer online for well over 10 years and also enjoys rock climbing and white water rafting.


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