Why You Should Look For Cheap Auto Insurance Online

Auto insurance can be expensive. That’s why it’s best to get as many quotes as possible to make sure you’re getting the best rate. If you look for cheap auto insurance online, you stand the best chance of finding a low rate.

Finding low-cost auto insurance online does not necessarily mean getting an online quote. Some insurance agents have online sites where they will gather your information and contact you with a quote. Their local agent will help you get a cheap insurance policy.

In most cases, you’ll be getting an online quote from an insurance company. When looking for cheap auto insurance online you need to be careful about who you share your personal information with. Only put in your driver’s license number and social security card, if the site is secure and you know the company is reputable.

By looking online for your car insurance you increase the chances of finding the right policy whether you want to use a local insurance agent or if you want all of your transactions to be online.

When looking for a cheap policy, you need to make sure you are getting the right amount of coverage. Each state has limits which the insurance company will require you to follow. You may also need to comply with the requirements of your lender if you financed or leased your vehicle.

Even if you don’t have a lender, you should consider the best policy by looking at how much you’re protected. The whole point of getting an insurance policy is to protect you in the case of an accident or disaster.

Make sure your policy covers you properly. This may mean getting extra coverage. However, since you’re getting cheap auto insurance, this should not increase your premiums by much (I do compare auto insurance quotes, do you?).

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What Are the Best Allergy Treatments for Seasonal Allergies?

Every time I turn around, there is a new allergy medication available. It is so hard to figure out what to stick with, especially when so many of these medications were formerly available with prescriptions only.

I tried Allegra, and while it worked it gave me a headache. I switched back to my former medication, Claritin, but I always feel like that costs such a fortune (unlike cost of term life insurance)?

Then I decided to try the nasal spray formulas. These work great but I have to say that one brand is much better than the other. I think its Nasacort which delivers great results fast without any side effects. The other one, Flonase, worked but I swear I could not see the day after I tried it.

The medication worked but it made my vision blur. I’m not so sure that happens to a lot of people but my doctor said that it could. Overall, I still am looking for a general opinion about what the best medications are for seasonal allergies.

I want something over the counter, that I can afford and that works rather fast. I tend to avoid taking anything that takes two days to take effect.

Why I Have Life Insurance and Why You Should Too

Life insurance is a way to help keep your family’s finances under control and give you some piece of mind. The most common source of financial trouble is some type of trauma in your life and there is no worse trauma than losing your spouse. Personal finance is not the first thing you think of when a tragedy happens, so it is best to be prepared ahead of time.

Why You Need Life Insurance

I think having life insurance is one of the most important financial decisions I can make to protect my wife. I have made sure that each of us has enough coverage to pay all debts and have enough money to sustain our current standard of living.

Having life insurance is a big step in improving my family’s financial security. My goal from a personal finance standpoint is to ensure that we are financially secure. There are many benefits from reaching this goal, one of which is a decrease in the amount of stress in our life. Purchasing life insurance is one of the easiest steps you can take to help you reach your own financial security.

When we first purchased life insurance, we could not afford to have any of the 30 years plans that are recommended. The cost would have been around $100 each for the plan that we needed. We had to opt for 10-year term life insurance. We understood that meant not being able to lock in a rate for 30 years, but it was more important to us to have life insurance regardless of the term length.  The 10-year plan cost was only $30 a month each, which is a small price to pay for the kind of security that life insurance offered.

How Much Life Insurance Do You Need

While having life insurance is very important, having the right amount of insurance is equally important. The easiest way to find out how much life insurance your need is to use an online calculator. I would recommend using the Life Insurance Needs Calculator at Life Happens.org.


How to Get Over 34 Gigabytes of Cloud Storage Free

Otixo Cloud Management

Do you need more free cloud storage space? Why not sign up for another free account at another cloud storage provider? I know why I have not been doing that. I have not done it because it is a pain to keep track of what I have saved where and I know I would find it a hassle to keep logging into several different free cloud storage accounts.

Now you can use Otixo.com to manage all of you free cloud storage accounts using one login. Fantastic I know. What’s the catch? The catch is that you can “only’ use 2 GB of bandwidth a month free.  Upgrading to unlimited bandwidth will cost you $9.99 a month.

The free account will work fine if you are using it to back up pictures, videos, music, etc. If you are going to be actively using a cloud storage account for a graphic design company or something that uses a lot of bandwidth, this option may not work for you. For example, I do not think it would work with my Dropbox account because I do all of my work inside my Dropbox folder, so it is constantly updating and syncing with my other computers.

Below I have listed the free cloud storage provides that offer large free accounts. If you sign up for all of them and use Otix0.com to manage your file backups, you can use 34.5 GB of cloud storage space free. You can get even more space if you use some of the smaller cloud storage websites. The easiest way to find the smaller company is to simply see what other services Otixo.com supports.

Free Cloud Storage Overview

DropBox  offers 2GB of storage free. You can get 2.5 GB if you click-through my link. DropBox currently offers seamless integration between the most platforms (Windows, Mac, Linux, iPad, iPhone, Android and BlackBerry) of all the cloud services. First pay tier is 50GB for $9.99.

Google Drive offers 5 GB of storage space for documents, videos and photos free. If you need more space, you’ll pay $2.49 each month for up to 25 GB. This 25 GB can be split between your Google Drive and Picasa account.

Apple’s iCloud service also offers 5GB of storage free, and your files seamlessly integrate between all of you devices. 20 GB will cost you $20 a year.

Microsoft’s SkyDrive offers 7 GB of storage free, and you can purchase 20GB for only $10 a year, by far the cheapest price.

Box  offer 5 GB, but they have the highest prices after the free service. 25 GB will cost you $9.99 / month.

Amazon Webservices offers 5 GB free with the most complicated free tier system I have ever seen. Click on the link if you don’t believe me.

SugarSync allows you to get another 5 GB of free storage.


Too Much Customer Service Can Be A Bad Thing

Too much customer service can quickly turn into a negative for a company. Here are two examples from the same company. I read Andrea’s excellent post Is Customer Service Still a Thing? WHERE IS IT? and I thought about a company that thinks it providing good customer service. This company is smothering me in company service to the point of borderline harassment.

Stop Calling Me Please

There is a company that calls me so often, I have had to change the contact information in my phone to “Spam.” (Quick background: This company has service technicians that make repairs and maintain industrial equipment) They call every week asking me if everything is going well with our equipment. Do we need this or that done?

I understand that they are trying to stay in contact with me so I don’t forget about them, but I really don’t have the time or patience to answer your questions about my equipment. I will call you when I need your services.

This is the equivalent of your auto mechanic calling you up once a month and saying, “Hey buddy, how are your cars driving? Do you need an alignment? What about new tires? You know we can also rebuild your engine or transmission if you think you need that done? As a matter of fact, I can even sell you a new car if you don’t want your current one repaired. Well, it has been good talking to you. Let me know if we can help you out.”

That last line of “Let me know if we can help you out” is how this company actually ends their phone call with me. I want to say to them, “I don’t really see why I need to call you, you call me often enough to where I could just wait a few a days and you would be calling me.”

One last thing on the phone calls. I don’t even answer when they call anymore and apparently they keep everything in a database. In the message I got yesterday they stated that they have not talked to me since June. That right, that is the last time I answered the phone when you called was in fact June.

I Do Not Want to be on Your Email List

Just because we have conversed through email does not mean I want you to email me your current special pricing. I do not want to receive your newsletter either.

This company never asked me if I wanted to receive email updates, they just signed me up for them. The worst part is at the end of these emails there is now way to unsubscribe, which leads me to believe they are just using an email list within their email account.

This is one of those strange examples of a company having way too much customer service. It is important for a company to have good customer service, but it can hurt the company overall if they take customer service too far.

Do you have any similar experiences with too much customer service or excessive check in calls from a service provider?


Motif Investing

Have you ever wanted to build your own mutual fund or ETF? I know I have. What if you could build your own mutual fund or ETF at no cost? Would you be interested? If that doesn’t interest you, then how about this. The company also offers mutual fund like products with no maintenance fee. Are you interested now?

What is Motif Investing?

Motif Investing

Motif Investing is a different kind of brokerage. They allow you to purchase and/or modify motifs. Motif Investing allows you to invest in 77 different motifs. The motifs are divided into different categories that are sort able by idea type and industry.

Idea type motifs include some well know investing strategies. These range from the “Dogs of the Dow” to “Bullet Proof Portfolio”, which contains companies with huge cash balances (APPL anyone). On the other end of the Idea Type motifs, are the cultural motifs. These include motifs with names like “Income Inequality,” “Democratic Donors,” and “Republican Donors.”

There are also fixed income motifs to choose from. My favorites are California Munis and New York Munis for residents of those states. Why? Tax free investing if you invest in your states municipal bonds.


They have a $250 minimum to invest in a motif with a flat fee of $9.95. To me the minimum is irrelevant because I never let the transaction fee account for more than 2% of the total investment I am making so 9.95/2% = $497.50. Therefore, I will always buy in $500 blocks.

You may add, remove, or change the weight of any stocks in a motif before you buy it. This part excites me the most because this is where you can create your own motif for a transaction fee of only $9.95. If you want to change your motif after you invest in it (customize before hand) the fee is $4.95 per stock added or removed.


The major drawback I see to Motif Investing is its lack of tools to research investment opportunities. This is not a big deal to me because I will still be using my other brokerage account and research investment opportunities on their site.

Mint.com does not currently synchronize with their website and Motif Investing does not have an app that allows you to make trades on your smart phone. These are not big issues but merely an inconvenience. I hope that these problems will be solved in the near future.

Why I signed up for Motif Investing

Because it is cool. Okay, the real reason is I was just starting to plan my portfolio for my taxable brokerage account and having a few issues on deciding what to buy first. I know Dogs of the Dow was going to be part of my strategy, but it would take $5000 to buy all 10 stocks in one go around. Motif Investing simplifies this for because I can buy all 10 stocks at the same time and keeping the 10 stocks balanced will be extremely easy. I can also add up to 20 more stocks to the Dogs of the Dow motif before I invest in it.

Overall, I like Motif Investing enough to open an account just because it allows me to create my own semi-mutual fund. I hope this new business model is successful and they continue to add more tools for investing.

What is your opinion of Motif Investing?