car insuranceChoosing a high deductible is a way to save money while fulfilling the legal requirement in many states to have car insurance.

Going from a $500 deductible to a $1,000 one will save 5-10 percent on the premium, or about $15 in monthly savings for the average consumer. Moving three or more cars to a $1,000 deductible could add up to a fair amount of car insurance savings.

The savings could be put away to pay the deductible. Saving about $100 over six months of insurance premium payments can allow some people to pay their bills.

A higher deductible won’t only lead to lower insurance premiums, but to fewer claims filed to keep them low.

There are some things to consider before making such a decision. Here are some of them:

Have $1,000 stashed away?

It would be wise to have the higher deductible amount in a liquidity fund such as a savings account to cover you if you have an accident and have to pay a deductible — which is a specified amount of money an insured person must pay before an insurance company will pay a claim.

Deductible amounts are typically in increments set by each state’s insurance department, often set at $100, $250, $500, and $1,000. The higher the deductible, the lower the insurance premium because the insured is taking on more of the risk. ...continue reading

Whether a divorce is combative or friendly depends a lot on the couple. The cost of getting a divorce is also dependent on how collegial the spouses are, though there are some costs that aren’t going to change no matter how nice they are to each other.

Divorce costs depend on a number of factors. These include where you live, the attorney you hire, the number of issues to resolve and how combative the spouses are, among other things.

Some attorneys or divorce assistance services charge by the hour, while others may charge a flat rate. Usually, the longer a divorce takes to complete, the more money it costs.

Hourly rates

Working with a family law attorney can be helpful during a divorce. Even if the divorce is amicable, at attorney can help get through the legal issues more easily and quickly.

Hourly rates are common among attorneys. A typical hourly rate for divorce attorneys is $250. This includes divorce attorneys who provide full representation in a case and handle every issue, down to partial representation such as help with alimony or child custody but not division of property. ...continue reading

Be it a simple school election or the election of the President of America, every election needs a successful campaign. Nowadays elections are all about branding, given the latest example of the historic victory of President Elect Donald Trump.

The key is to get a buy-in not only from your campaign volunteers and supporters but the larger electorate. Now, you are the brand they need to endorse.

Embroidme, a reputed promotional products provider, offering options for screen printing in Minneapolis MN, believes that investing in promotional products helped fuel the unexpected rise of a successful businessman in Donald Trump, reinforcing the essential role of branding even in the race for the nation’s highest office. They added that banners and custom t-shirt printing has worked well in Minneapolis’ election campaigns, but only when they are well thought out.

Here are some things to keep in mind for everyone planning to run for any office, local, regional or national:

Know the Drill

With so many candidates in the ring, if you think you'll learn the rules as you go on, you need to stop right there. Don't be a follower of “we’ll see how it goes” type of thinking. Strong determination and conviction are required if you’re running for office. And if you are sure you’re running to win, you better know how to win. Don't be afraid to read a primer on how to run a winning political campaign.

Spend time with people who have run for office in your area before. It will give you an idea of what works and what doesn’t.

Jot Down Your Campaign Plan

The first step of implementing an election campaign is planning it meticulously. So, get your team together, brainstorm on ideas and create a comprehensive plan. This should not only include how you are address your electorate but also how you will use promotional marketing products to spread the word.

One good option can be printing on t-shirts. In Minneapolis, you can get high quality custom printing done at affordable prices. Also include some key strategies like fundraising, communications a calendar of events and how you can best use your network of contacts.

Have the Best Team

In a statement released during his campaign, President Elect Trump described Mr. Priebus and Mr. Bannon as “highly qualified leaders who worked well together on our campaign and led us to a historic victory.” You should know that Stephen Bannon, from the Breitbart News Network, served as Mr. Trump's chief strategist, while 44-year-old Priebus acted as a bridge between Mr. Trump and the Republican party during the campaign. Any election campaign is incomplete without an effective and united team. Also, the need of a campaign manager can never be overlooked.

But Where is the Money?

Even the most successful and richest businessman like Donald Trump needed to raised $932.3 million for his election campaign, according to The Washington Post. This just goes to show the importance of fund raising for election campaigns. That money has to be well utilized too. From past experience in Minneapolis, banners and custom t-shirts have worked well to increase a candidate’s visibility.

Wrapping it up, utilize all possible promotional marketing products and register your presence on social networking sites in order to win over your electorate and increase your chances of victory.