There are a number of factors that go into the rating of a homeowner?s policy. The best homeowner insurance rate is usually found by the most knowledgeable buyer. In other words, there is a certain amount of work that each of us has to do in order to get the best value when we purchase a homeowner?s policy. There are some people that want no part of educating themselves about insurance. They want to hand it over to a professional. There is nothing wrong with this approach but in some cases you may be leaving yourself somewhat vulnerable. The best way to deal with insurance shopping is to at least get a basic understanding of what your insurance does and what generates the rate. Homeowner?s insurance rates are determined by insurance company fiduciaries who in turn apply for rates every year with the state insurance department. An insurance company cannot just raise the rate on your homeowner?s policy because they need more profits. They are regulated by the state?s insurance department. They have to have rates approved before they can be passed on to the customer.

The best home insurance rate is usually found when you purchase the policy in combo with the auto insurance. The multi-policy discount is substantial. It is so much more convenient to have both with one company especially when there is a claim. The next factor that has a significant impact on the rate is whether to buy a replacement cost policy or an actual cash value policy. The difference in premium is significant but so is the coverage. Replacement cost settles your homeowner?s claim by replacing or repairing your home or personal property with like kind and quality materials with out depreciation. Actual cash value allows for depreciation and you come up with the depreciable difference as an out of pocket expense. The last decision that you need to make is the size of your deductible. This will impact the rate. Higher deductibles are in vogue because of the infrequency of homeowners claims.

Please see our recommended sources for low rate insurance quotes Home Owners Insurance, Medical Insurance, Cheap Car Insurance.

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I saw an article the other day claiming that sports memorabilia is one of the top 10 biggest wastes of money. Chris Pummer, who wrote the article claims that, “This market for the celebrity struck may be the greatest separator of fools and their money ever.”

He lists premium coffee to go and cigarettes as a few other “biggest wastes of money.”

I agree with Pummer that sports memorabilia is a waste of money if you buy the wrong player or if you purchase something that is fake.

But the bottom line is that the market for autographed sports memorabilia and collectibles is huge. Authentic autographs are tough to get, expensive, and there are limited amounts available.

Take Pete Rose, who signs every weekend in Las Vegas. There is such a demand for his autographed memorabilia that his jerseys, baseballs and other items consistently bring good money — no matter how much he signs.

When Pete becomes unable to sign — or he dies, his existing, authentic autographed memorabilia will double or triple in value.

Pummer mentions how a $700 Barry Bonds ball is worthless. I have to agree with him on that one. Sports memorabilia shopping is all about picking the right player (and Bonds is not the right player). When a Willie Mays autographed baseball currently sells for around $250-$300, why would you spend $700 on a Bonds baseball?

Mays is proven, he is the greatest living baseball player on the planet — do the math. Even when Bonds surpassed Willie’s home run record, he did not become more collectible than Willie Mays. Bonds will never be more collectible than Mays and his baseballs will never be worth more.

Sports memorabilia collecting is similar to the stock market. The athlete is the stock. You have to make sure the athlete has good fundamentals, management, and you also have to investigate how the market values them.

Joe Montana, for example, is one of the all-time best selling autographs in the industry. He is a proven athlete, no steroid scandals, and people love him. He does sign frequently, but there is such a huge demand for Joe Montana memorabilia, it doesn’t matter.

Sports memorabilia is not a waste of money, it is an investment if you know what you are buying. Educate yourself on the market — for example, shopping on eBay if you don’t know how to spot fake autographs is a bad idea. There are tons of sellers on eBay that still sell fake autographs even though a few forgers went to jail as a result of the FBI’s Operation Bullpen over 3 years ago.

If you educated yourself on authentic autographs, found good players to invest in, and studied values of items based on what they are currently selling for, then you could see better returns than your stock market portfolio — well, maybe at least better returns than the S&P 500 and those horrible mutual funds!

About the Author :

Kelly Johns started ALLAuthentic.com in 1998 by selling autographed sports memorabilia online out of his garage. Since then ALLAuthentic.com has grown to be one of the largest, most reputable sports memorabilia companies on the Internet.

Article Source: www.iSnare.com
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