In February, the price for tickets to Disney World went up. The move was quiet, as Disney didn’t appear to want to draw much attention to the decision.
However, savvy park-goers and vacation planners took note. And many of them weren’t happy.
But, just because the price is higher doesn’t automatically mean it isn’t worth the trip. If you are wondering whether a visit to Disney World is worth the extra money, here’s what you need to know. Continue reading
Over the last few years, we’ve come to recognize Progressive Insurance thanks to Flo, the Progressive girl. Initially, when the company first began in 1937, it focused solely on auto coverage. Over time, the Ohio-based company stayed true to its name of being a progressive insurance company, and thus, expanded its services beyond vehicles. From golf carts to condos, customers can obtain coverage for some unique circumstances in addition to standard protection. They were the first major auto insurance company to have a website, they continue their history of innovation with a new service: HomeQuote Explorer.
HomeQuote Explorer Review
What is it?
HomeQuote Explorer is a free online quoting experience to help homeowners compare homeinsurance rates. Think Trivago for hotels, except it will show prices from multiple insurance companies side by side. Not just that, but when you do enter your information, HomeQuote Explorer will match you with the best policy for you based on your information. Currently, Progressive is the only insurer that offers anything like this, according to their website.
How does it work?
You start the process by entering the address of your home to their search bar on the site. Progressive then pre-fills any information they find based on public records of the house, which helps you save time. Their questionnaire also includes images to assist in the process of answering questions about your home, such as your roof type or flooring details.
Once you’ve completed the assessment, they’ll match you with what they feel is the best policy based on your answers. However, you do not have to choose their recommended. They also provide you with alternative rates and coverage to review – side-by-side comparisons of rates and coverage from multiple companies so that you can ensure you’re getting the best deal.
As you finalize your decision on your new home’s insurance option, you can simply buy it online or call Progressive to speak with a licensed agent.
Pros and Cons of Progressive HomeQuote Explorer
On top of comparing your rates, they will even take care of the details with your mortgage company for you if you prefer. They’ll send a proof of insurance and coordinate the details, allowing you to lump in the payment to your mortgage rather than paying Progressive directly.
The information regarding their service is also very clear and easy to find. Their FAQ page answers just about any question you might have about the process, which is something I truly appreciate.
The biggest con for me, personally, was that the HomeQuote Explorer was still relatively new when I gave it a try so there were still a few quirks. Using my current address, I went through the process as though I were buying my place. As I went through and filled out the information for my home insurance quote, the images the promotional video showed were not present. It was their old questionnaire that also did not have an auto fill option as promoted.
When I tried again, however, the new screen and features did appear. After going back and taking a look at the newer version of HomeQuote Explorer, this issue was resolved.
Another con I experienced was that the HomeQuote Explorer didn’t directly provide the homeowner’s insurance but rather partner with other companies to do so. Thus, they are limited in the discounts they can offer.
Progressive is a trustworthy company and continues to deliver a quality service. I can say this confidently as an auto insurance policy holder for the last three years. Regardless, it would still be wise to research other home insurance policies before purchasing through the HomeQuote Explorer. It does appear that some glitches are still being worked out.
All in all, the tool was easy to use and helpful in giving me an idea of one of my options for home insurance.
It’s hard to believe, but Back-to-School season is already here. The evenings are slowly starting to get shorter again, vacation time is just about all used up, and planning for school is in motion at full-speed ahead. Whether your student is preparing for college or kindergarten, back-to-school shoppers will spend roughly $688 per household this year, with 64% spent on electronics and apparel, the National Retail Federation (NRF) states. In fact, results show in the NRF’s annual survey that the combined 2017 spending for college and primary education will be $83.6 billion, a 10% increase from last year. While overwhelming, there are actually plenty of ways to save on back-to-school shopping. Below are just a few from a fellow mom:
Ways to Save on Back-to-School Shopping
Tips from a Fellow Mom:
I spoke with my good friend Krista, who currently lives in Philadelphia, to find out how she saves on back-to-school shopping. She and her husband just bought a new house, so I know she is definitely not trying to spend $600 on supplies.
“[Even before the house], when it comes to saving money, I’m all about it. It’s my passion,” she joked. “Back to school shopping is more than just pencils and a new lunch box – it spans to include shoes, jackets, a new haircut, and more. Add that to activity and sports fees, field trips, etc. and sending your child back to school became a bigger cost than budgeted.”
So, going beyond the coupons and sales, here are some ways she saves that you can try as well:
1. “Know where you will shop and buy a gift card,” she advises. “Do you always shop at a particular store for clothing? Perhaps you love Kohls or TJ Maxx for back to school clothing. If you are going to a particular place to shop, you can save up to 20% off by purchasing a gift card ahead of time. Check out Raise.com for discounted gift cards that have a money-back guarantee. You have the peace of mind knowing the gift card is authentic and the savings in your wallet. Combine these savings with a coupon code or cashback site if you’re shopping online, and you can save up to 35-40%.”
Now, that’s a deal.
2. Another simple way that Krista saves money? Signing up for loyalty programs and email lists. This especially comes in handy when your child needs a back-to-school eye exam, haircut, or even a physical.
“In the last week, I have received 4 offers for free back to school kid haircuts and an offer for a free eye exam. This saves us extra money and exposes us to a new business that we will likely go back to in the future.”
3. Ask yourself, does it need to be new? Krista raises the point that kids grow out of clothing, shoes, sports equipment, and so on so fast that sometimes they don’t even wear what we bought.
“You can save upwards of 75% retail by shopping children’s consignment sales,” she said. “There may be many in your area coming up for the fall. A quick Google search can put you in touch with savings opportunities around the corner.”
Some General Tips:
In general, there are other ways to save on back-to-school shopping, especially for those headed to college. Here are a few:
Make a List: Make a list of what you need, then, before you even think about shopping, do an inventory check of what you already have. By cross-checking your lists of needs and haves, you’ll avoid spending money you did not need to spend.
Determine a Budget (And Stick With It): Once your list is made, create a budget for your back-to-school shopping and stick with it. Don’t allow trends or unnecessary product features affect you spending goals.
Go online: Regardless of age, there are many savings to be had by shopping online. A great site to find textbooks cheaper is textbooks.com. You can purchase hard copies or electronic versions as well as sell books to other people.
Save By Waiting: If you’re a procrastinator when it comes to shopping, you’ll actually be able to benefit by this trait in some ways. Pencils, notebooks, and even fall clothes will all be cheaper at the end of August and beginning of September. The cost of clothes can certainly add up, so waiting for deals before you splurge will be a great money-saving tactic for which your bank account will thank you.
Buy in Bulk: While buying in bulk is not always great for grocery shopping, it is when it comes to school supplies such as those notebooks and binders. These are items your student will likely need next year, too, so save money by stocking up ahead of time.
When you put your mind to it, you’ll find some really creative ways to save on back-to-school shopping. What tips would you add to the list that have worked for you?