TMIB Blog

Why Used Cars are a Good Deal Right Now

Used CarsIf you’re looking for a new car, it might be the right time to think a little outside the box. For the first time since 2008, the price of pre-owned cars is falling. Basically there are more available cars than people wanting to buy them and many dealers offer extended warranties. So if you have never thought about getting a used car, this might be a good time to explore that option.

To read more about getting a good deal on a used car visit Investopedia http://www.investopedia.com/articles/personal-finance/051116/why-used-cars-are-good-deal-right-now.asp?utm_source=msn&utm_medium=referral&utm_campaign=syndication and for all questions regarding car insurance in Santa Monica, contact TMIB at 310-828-9662.

 

 

The 10 Most Expensive Cars to Insure

Classic CarCars aren’t cheap. The faster and the cooler the car looks, the more it will probably cost. However, when we discuss the cost of a car we rarely discuss one important additional cost… how much it will cost to insure?

To read a list of “The 10 Most Expensive Cars to Insure” visit Market Watch (http://www.marketwatch.com/story/10-most-expensive-cars-to-insure-2016-02-25) and for any questions regarding car insurance in Santa Monica contact TMIB at 310-828-9662.

 

53 Non-Candy Easter Basket Ideas for Kids of All Ages

easter eggs Celebrating Easter often includes baskets filled with chocolate and candy.  If you are in a household that is trying to avoid sugary treats it can prove to be tough.

To read popsugar.com’s list of “53 Non-Candy Easter Basket Ideas for Kids of All Ages” visit http://www.popsugar.com/moms/Non-Candy-Easter-Basket-Ideas-22454992#photo-22454992 and for any questions regarding health insurance in Los Angeles please contact TMIB at 310-828-9662.

 

LA Hospital Pays Ransom to Cyber Hackers

Cyber InsuranceThe term “cyber hacker” gets used so often, it sometimes loses meaning. However, a very real cyber attack happened recently in Los Angeles.

Hollywood Presbyterian Medical Center came under a malware attack and their system was completely locked by hackers. Meaning all of their medical records, patient histories, accounting, …..everything was frozen until a $17,000 ransom in untraceable bitcoins was paid. Even though the attack only kept the hospital down for a relatively short amount of time and nobody was harmed in the process, it has raised questions regarding the security of digital records and what it could mean on a larger scale.

To read more about this story visit:  (https://www.washingtonpost.com/news/morning-mix/wp/2016/02/18/after-computer-hack-l-a-hospital-pays-17000-in-bitcoin-ransom-to-get-back-medical-records/) and for any questions regarding cyber liability insurance contact your TMIB at 310-828-9662.

Retire Rich: Saving for Retirement in Your 20s and 30s

retirementWhen you are in your 20s and 30s the last thing on your mind is saving for your retirement. You’re still probably trying to save up for a house, or at least a new XBOX, why should you think about retirement? Well the answer is simple… because the earlier you begin to save and build a portfolio, the easier it will be as you get older. (and you’ll be glad you did) Starting to save money early means that it has a longer time to exponentially grow and build over time.

To read “6 Savings Tips for Millennials Who Want to Retire Rich” visit http://www.kiplinger.com/article/retirement/T001-C006-S001-retire-rich-saving-for-retirement-in-your-20s-30s.html and to discuss with a broker on how to start a life insurance policy that earns money, contact TMIB at 310-828-9662.

Fix Household Problems Without Spending a Dime

Homeowners InsuranceAs a home owner, the biggest expenses occur when something goes wrong. Even the smaller issues can end up being quite costly.

“This Old House” magazine has put together a list of smart ways to fix some common household problems at your home.    http://www.thisoldhouse.com/toh/photos/0,,20745378,00.html. For any questions regarding your home insurance needs contact TMIB at 310-828-9662.

5 Safe Cars for Your Teenager

Teenager getting car keysYour little one is all grown up and it’s finally time for their first car. With so many options out there, how does one begin to find not only a car, but a safe one?

Want a car that is fully connected? The Chevrolet Tahoe SUV not only provides rear park assist and Apple CarPlay to keep your teen off their phone, but also OnStar service in case anything ever goes wrong. One of the best rated cars is also a classic first car for drivers. The Honda Civic will not only last many years to come, but is consistently rated as one of the safest and most reliable vehicles on the market. Another major plus to the Civic, it is also quite affordable.

For additional information visit MSN’s “5 Safe Cars for Your Teenager” http://www.msn.com/en-us/money/autoinsurance/5-safe-cars-for-your-teenager/ss-BBnzKGd?ocid=iehp#image=1   and for any questions regarding car insurance for a first time driver contact TMIB at 310-828-9662.

 

Drone for Christmas?

One of the hottest new gift trends this year was the increasingly affordable drone. Who doesn’t want to fly cool aircraft that also captures amazing video that can dazzle all of your friends? The availability of drones to regular consumers has prompted the FAA to create some drone rules.

The most important step is to register your drone. If you currently own a drone, you have until February 19th, 2016 to register it or run the risk of being hit with some pretty hefty fines. If you are looking for insurance for your drone, it pretty much comes down to a question of using it for personal or business usage. Many home insurance policies will cover personal use, (be sure to double-check this with your broker), but once you start getting into business use, you should look into getting additional coverage.

Before you fly your drone, you should learn about the rules and how to properly insure it.  A good article to read is “Drone for Christmas? http://www.msn.com/en-us/money/insurance/drone-for-christmas-be-sure-to-get-your-registration-and-insurance-before-you-fly/ar-BBnIIyT?ocid=iehp

Be sure to get your registration and insurance before you fly and if you have any questions on exactly what steps to take regarding insurance contact TMIB at 310-828-9662.

Call Before You Dig

Looking to make some changes to your home or property? Before you get out the shovel and start digging there are some important and crucial steps that need to happen. The most important step is to call 811 which is the national “Call Before you Dig” phone number. Not only is it easy to use to get information about your upcoming plans, but they will send a crew to your location to mark underground lines and answer your questions.

For my information about “811” and “Call Before You Dig” visit Travelers https://www.travelers.com/prepare-prevent/home/home-maintenance/before-you-dig.aspx and for any questions about your home insurance needs call TMIB at 310-828-9662.

 

Home Improvement Projects That Pay Off Big

Kitchen remodelWhether you’ve found the home of your dreams or are looking to sell and move into a new home, it is important to keep your house in the best shape possible. Doing small upgrades over time will not only save you headaches in the long run, but can also increase your home’s value.

For a list of possible home improvement projects and their potential return, read MoneyTalksNews.com’s article, “8 Home Improvement Projects that Pay Off Big”,   at: http://www.moneytalksnews.com/slideshows/8-home-improvement-projects-that-pay-off-big/ and for any questions regarding your home insurance needs, contact TMIB at 310-828-9662.

 

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