Settlement One

8 Tip on Homeownner Insurance 1. You're a statistic To an insurer, you're not a person; you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including your occupation, who you are, what you own, and how you live. 2. Know your home's value Before you choose a policy, it is essential to establish your home's replacement cost. A local builder can provide the best estimate. 3. Insurers differ As with anything else you buy, what seems to be the same product can be priced differently by different companies. You can save money by comparison shopping. 4. Don't just look at price A low price is no bargain if an insurer takes forever to service your claim. Research the insurer's record for claims service, as well as its financial stability. 5. Go beyond the basics A basic homeowners policy may not promise to entirely replace your home. 6. Demand discounts Americans waste money every y...

Top 100 Urban Legends 1. Footprints In The Snow This urban legend involves a teenage girl who was home with her little sister while their parents were out on the town. After watching some television together, she sent her little sister to bed and then went back downstairs to watch more TV. Eventually, she got bored with what she was watching and turned it off, then curled up in a blanket on the couch and watched the snow fall through the large sliding-glass window in the living room. She had only been watching for a few minutes when she saw a man walking toward the sliding glass doors with deadly purpose. He started to pull something shiny out of his coat and she dove under her blanket in terror.After a while, she pulled down the blanket and found that the man was gone. She called the police, who immediately rushed over to the scene to investigate. Upon examining the premises, one of the first things they noticed was that there were no footprints in the snow. And with the rate of sn...