College Kids Ask: Do I Need Renters Insurance? By Trevor Mulholland You can be all set to become independent in college. College is the time when you have to start preparing for your future, after all. So if you're enrolled in a university, renting a dorm room, an apartment room or a boarding house is when you start taking responsibility for all your possessions. This is also the time when you normally ask yourself: do I need renters insurance?
Even as a young person just starting to make his or her way alone in the world, one already finds that there are an overwhelming number of things to set aside money for: credit card bills, rent, food allowance, tuition, life and health insurance, etc. Young people who ask themselves "Do I need renters insurance?" are people who are getting ready to face the adult world, and the obligations that come with it.
There's no saying that you'll actually be suffering from accidental damages, theft and other unforeseen occurrences if you're living in a secure building, but with the way things are in this day and age, you just never know. In college, especially, kids can get a bit rowdy! You may be held liable for your own wild nights out, if you aren't careful.
Unforeseen occurrences are exactly what renters insurance is for. Your landlord has only insured your building, after all, not the possessions that you brought into it. Jewelry, personal computers, multimedia equipment, antique furniture and other valuables could stand a bit of extra protection.
Another advantage to having renters insurance is being protected against liability charges. Say you accidentally left your tub running, hopelessly flooding your entire floor as well as the rooms directly beneath yours - don't be surprised if the owners of the property damaged by the flooding will hold you liable for damages. If you're already paying renters insurance, you can rest easy: this will help protect you from these charges, as well as assure that you have adequate compensation for the inconveniences you may personally suffer.
To the untrained eye, renters insurance is a bit extravagant. But the installments could actually go down to around $10 or $20 a month, depending on the worth of your possessions. Asking yourself "Do I need renters insurance?" is a good way to start training for when you own your own home, and are working out the kinds of insurance that you need to protect your assets and belongings.
Author Resource:- Insurenters.com provides you with information on renters insurance related issues like do i need renters insurance, the pitfalls and the best tips. We help you find your renters insurance. http://www.insurenters.com/
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College Kids Ask: Do I Need Renters Insurance? By Trevor Mulholland You can be all set to become independent in college. College is the time when you have to start preparing for your future, after all. So if you're enrolled in a university, renting Read more...
Do You Need To Look Up Renters Insurance Statistics? By Trevor Mulholland Cautious people who are seriously thinking of signing up with specific insurance providers make it a point to research on those providers before making a commitment. Naturally, they Read more...
People & Awards: Executive Level <img src='http://assets.bizjournals.com/pittsburgh/news/MarkUebele*100.jpg?v=1'>Accounting
Joseph Nicola Jr. has been promoted to partner at Sisterson & Co. LLP. Nicola is experienced in federal, multi-state tax matters that affect numerous industries, including natural resources, manufacturing, distribution, high technology, securities and start-ups.
Mark Uebele has been promoted to partner at Sisterson & Co. LLP. Uebele joined the firm in 1990.
Banking & Financial Services
Ronald Giulianelli has been promoted to senior vice president at First National Bank of Pennsylvania...<div class="feedflare">
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</div> List names top companies for executive women <img src='http://assets.bizjournals.com/charlotte/Bank%20of%20America%20315*100.jpg?v=1'>Many companies with a big Valley presence scored a spot on the National Association for Female Executives 2012 list of the ?Top 50 Companies for Executive Women,? which was recently released.
Bank of America Corp., JPMorgan Chase & Co., KPMG, American Express and Intel Corp. all landed a spot., as did retailers Walmart, Macy?s and Office Depot. Many of those companies are among the largest employers in Arizona.
Click the image above to launch a slide show of the top 10 companies. They were listed by the National Association for Female Executives in no particular order...<div class="feedflare">
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</div> Oregon revenue: down by $35 million While Oregon state economists have revised the state?s budget downward, lawmakers believe the adjustment is small enough that the state can easily absorb the hit.
The state on Wednesday revised its revenue forecast lower by $35.1 million for the 2011-13 biennium and by $15.8 million for the 2013-15 biennium.
The Joint Ways and Means committee eventually makes spending recommendations based on Oregon economists' forecasts. Because the forecasts are issued after lawmakers approve biennial budgets, the state must often scramble to make cuts when the general fund forecast comes in lower than what the Legislature had originally planned to spend...<div class="feedflare">
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</div> In Jersey, doctors to post appeal info Doctors offices around New Jersey will be required to post information on how patients can appeal insurance company denials.
The Courier-Post reported the story Wednesday.<div class="feedflare">
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</div> Brownback administration plans to choose Medicaid providers by summer Kansas Gov. Sam Brownback expects it will have a decision this summer on which private companies will manage the state's Medicaid program, according to an Associated Press report that appears on KMUW.
Brownback is proposing converting the state's Medicaid program to a managed care system. The system would give clients a choice in coverage by issuing contracts to three providers that would operate statewide.<div class="feedflare">
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</div> Opponents: KPERS fix would cost additional $10.9 billion Opponents of a plan to fix the Kansas Public Employees Retirement System say it will cost the state nearly $11 billion more than previous repairs, The Topeka Capital-Journal reports.
KPERS currently carries an actuarial deficit of $8.3 billion through 2033.
The plan working its way through the House and Senate attempts to fill that gap, also called an ?unfunded actuarial liability? during the next 30 years.<div class="feedflare">
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</div> ABC Action News: Lifestyle Lift clinics being investigated Florida's Attorney General is investigating Lifestyle Lift, a company that advertises "less invasive, cheaper facelifts," an I-Team investigation at ABC Action News has found.
The station reviewed all the complaints filed against against the Michigan company that, according to the report, said it operates 40 clinics nationally. The company has a location in Westshore.
Some patients said they were told treatments would make them look younger, "but the results didn?t live up," the report said.
In addition to the attorney general's investigation, the company faces two ongoing lawsuits alleging false advertising filed in Hillsborough and Pinellas counties, and has several claims from unsatisfied patients, ABC reports.<div class="feedflare">
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</div> Ohio billionaire bankrolling pot initiative Ohio billionaire Peter Lewis is almost entirely bankrolling a proposed ballot question that would legalize the medicinal use of marijuana in Massachusetts, the Patriot Ledger reports. Lewis has backed similar efforts in other states.
Lewis, chairman of auto insurer Progressive Corp., contributed $525,000 to the Committee for Compassionate Medicine, which is supporting the question. That accounted for virtually all the $526,167 raised by the group in 2011, the Ledger notes.<div class="feedflare">
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</div> MapLight data shows top congressional influencers by donation MapLight, a nonpartisan research group that focuses on money and politics, released information and a database showing the top five business and group donors to sitting members of Congress.
A report by sister publication the Silicon Valley/San Jose Business Journal includes a photo gallery of the top nine business or group donors according to the MapLight report, and gives readers a chance to click through an accompanying database by state and company or group name.
The report was titled, "Who owns your members of Congress...<div class="feedflare">
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</div> New York Life Insurance opens Maui office <img src='http://assets.bizjournals.com/pacific/news/NewYorkLife_logo*100.jpg?v=1'>New York Life Insurance Co.?s Hawaii operation has expanded to Maui with the opening of an office in Kahului.
The 450-square-foot office at 173 Alamaha St. is managed by Ed Fabregas, who relocated from New York Life?s Dallas office to establish the company?s presence on Maui. The office also has two agents.
?We?ve been serving clients across the state for more than 130 years through our Honolulu office, but being on the ground in Maui is new for our company,? Fabregas said in a statement...<div class="feedflare">
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