As wedding season begins to quickly roll around once again, many couples are seeking to make their special day unique. Whether you're going for an out of this world theme or getting your wedding dance choreographed there is no doubt that unique is the end goal here. However, many are seeking to go above and beyond the day of the wedding, and looking for that something special to last throughout their marriage. The following list entails some of the most unique ideas when it comes to choosing your wedding ring.
Forego a Traditional Ring—Use Tattoos Instead
A wedding ring has been the staple of marriage for at least a couple of hundred years now. They represent a tight bond between two people and a visual of it as well. However, couples today don't seem to be satisfied with simply an object as a representation of their commitment. Therefore, a new trend has emerged amongst younger, soon to be married couples. This trend includes the addition of a tattoo on each of their bodies. Usually, it's the date of the wedding or their names, which are marked somewhere on their skin, but some have even gone so far as to tattoo an entire portrait of themselves! Needless to say, this is one way to truly show your commitment.
Rings That Support a Cause
Often the things that bring people together are their shared values. We constantly hear stories about people meeting within a school social club or while volunteering at a local shelter. Nevertheless, these shared values are a big part of one's life. Why not continue this into the marriage with the inclusion of a wedding ring that supports that cause? There are differences between lab created diamonds and mined diamonds but none as obvious as the eco-friendly nature of one over the other.
Forget About the Centerpiece Look
One of the most common designs of a wedding ring is that big centerpiece diamond. While this may look very impressive, it does not make it unique. New designs are popping out today that incorporate the value of a centerpiece but with a different approach. We highly recommend looking at wedding rings that showcase multiple diamonds spread across the band. These beautiful designs not only keep the value of the ring but they give it that extra bit of uniqueness. Choosing a wedding ring design that will be yours to keep and look at for years may be a little daunting. Therefore, we recommend understanding your expectations and what is realistically possible to obtain. We hope that the list above has provided you with some ideas to make your wedding ring that much more unique.
Looking for more unique styling tips? We recommend reading another article from The Beauty IDEA.
Automobile insurance is something that you need to secure if you are going to be driving your own vehicle. This is a big expense in addition to purchasing and maintaining a new vehicle, so you will want to take appropriate steps to make sure that you are getting the best deal around. It is important that you budget your auto insurance, but you should make sure that you’re getting good coverage as part of your policy. Lawyers often tell their clients that insurance companies are not actually trying to help them; instead, they are more concerned about protecting shareholder profits and avoiding as much financial loss as possible. The truth is if that is your experience, you are with the wrong insurance company. If you are in search of a new insurance company and do not know where to begin, here's 2019's top performers according to Consumer Reports.
Amica Insurance is one of the oldest mutual insurance companies for automobiles in the country. Founded in 1907, Amica isn’t as popular as other companies on the market, but it has a really good reputation for customer service. J.D. Power has praised Amica for its customer service protocols for the past twenty years. Its policies provide excellent coverage for all types of vehicle scenarios.
New Jersey Manufacturers Insurance Company
When you need to tap into your insurance coverage, you need a company that is going to bend over backward for you. New Jersey Manufacturers Insurance Company has a passion for customer service. It is frequently recognized by national organizations and publications that focus deeply on the best insurance providers in the country. New Jersey Manufacturers Insurance Company was created in the early 1900s and has been serving the community since then with great results.
USAA Property and Casualty
There are many benefits associated with using USAA Property and Casualty. You can acquire a very comprehensive policy for an affordable price point. The company offers online assistance where you can speak with a representative or access your policy information. Flexible payment plans are available for clients if you are on a budget and need to be careful about what you are spending on your insurance. Many discounts are available for each policy year as well. Auto insurance is not something people really budget for, but it is a bill you will receive monthly or a couple of times each year.
Auto Club Group
Auto Club Group is part of the AAA Travel Agency organization, which is centrally located in Troy, Michigan. As one of the world’s largest insurance providers, you will get excellent coverage for your vehicle. There is also a great roadside assistance feature that provides you with towing, jump-starts, and more. If you are looking for insurance that will provide you with peace of mind that if you are in an accident, you will be taken care of, then this is a great provider to use. You will also get some wonderful benefits that you might use more than you think you would.
Here’s another article we think you’ll like:
How to Survive Financially After a Car Accident
(BPT) - When it comes to managing your monthly bills, it doesn’t get much more convenient than auto-pay. Because this option eliminates missed payments and late fees, it’s easy to see why three-quarters of Americans have opted in, with anywhere between one and seven monthly payments, according to recent survey findings.
However, consumers are also discovering that enlisting in auto-pay isn’t without its financial downsides. The following survey findings from TheZebra.com (an insurance comparison site) show how auto-pay can make consumers complacent.
* Nearly a quarter of people (23%) admit to not paying attention to what’s coming out of their bank accounts. If the result is an overdrawn account or a billing error slipping through, that can prove to be a costly mistake.
* One-third (29%) of respondents confess to forgetting to cancel services linked to autopay after they’ve stopped using the services. A couple prime examples of this are a music streaming service subscription or a gym membership.
* Nearly half of consumers indicate that once auto-pay is set up for their car insurance payments, they never get around to re-evaluating their fees. Considering the market value of our cars depreciates every year, this suggests that many consumers are missing an opportunity to get the best coverage at the best price, as car insurance rates can change daily.
* Finally, by not taking time to evaluate costs or cancel unused services, consumers are paying the price. Some 29% of respondents estimate they’re losing $100 annually, but for high-ticket items like a gym membership, the savings could be in the thousands.
Now that you know the high price you may be paying for the convenience of auto-pay, here are some tips to help you stay in control of your finances.
1. Keep track of your statements. Because money is withdrawn from your account each month, it’s easy to lose track of your spending. Otherwise, if a price hike takes effect or if you end up consuming more services than expected, the consequence can be a higher-than-expected bill. If your bank account lacks the funds to cover it, you’ll end up with an overdraft, which can end up costing you more than any late fee! So when auto-pay takes effect, make sure you review the monthly statements. If you see an additional charge or a price hike take effect, follow up immediately.
2. Research rates at least twice a year. While your service provider may offer excellent service at a great rate, it’s always possible there’s a better deal for you somewhere else. Take time to research and compare the going rates for things like internet service and car insurance — you may be pleasantly surprised. To make sure you follow this step, set up six-month reminders on your phone or calendar and commit yourself to following through. If you end up using the service less often than you planned — or not at all — this reminder can give that much-needed nudge to reevaluate.
3. Take time to fully understand your options. As you know, some service agreements, such as gym memberships and mobile phone contracts, can’t be canceled without penalty — at least, not until you’ve reached a specific end date. But don’t make the mistake of thinking this rule applies to all service agreements. For example, did you know you can switch your car insurance anytime without paying a penalty? It’s true! In fact, once you switch, your old insurer will send you a rebate for the balance, even if time remains on your six- or one-month policy. So go ahead and shop around. If you find a car insurance provider that’s more affordable and provides the coverage you need, you can reap the benefits right away. Just remember, if you do decide to switch, don’t cancel the old policy until the new one is officially in place. Otherwise you might get charged a penalty for the gap in coverage.
How to save on a big bill: Car insurance
Looking for a better price on car insurance? TheZebra.com allows you to see how your current policy stacks up to the rest. The Zebra is the only auto insurance comparison site that shows you all your options side by side, and never sells your data. When you shop around with The Zebra, you can rest assured knowing you won’t get any unwanted calls or emails. Visit www.thezebra.com and see how much you could be saving on car insurance.
Most people don’t have enough money saved for a rainy day. It’s important to have enough money in the bank to be able to survive a major financial downturn like a job loss. You should also be saving for your retirement. Maybe you are worried about the state of your finances and wonder how you can get in control of them. The key to getting control of your money is to live on less than you have. Here’s how.
Putting Away Something in Savings
Building an emergency fund counts as the most important financial step you can take to ensure that you are living below your means. Most financial advisors suggest that you have between three and six months' of income stored in savings in case of an emergency. Most people don’t. The problem is that if they become unemployed, they’re forced to live on credit cards or loans from family because they have no money in savings. If you have to borrow money to live, you’ll eventually have to pay it back or go bankrupt. Putting money into savings each month ensures that you never have to go into debt should a major financial blow occur.
Not Investing Too Much
It's certainly true that real estate, starting with your home, can be a sound investment. That said, you should be careful about putting too much money into real estate because doing so can make you property rich but cash poor. While it’s nice to have property, you may not have enough money in the bank should you experience a job loss or serious illness. So how much can you safely invest in your home? Here’s a rule of thumb. The average American making $61,372, assuming they have no debts, should pay no more than $2,301.45 a month if they buy a house with a conventional 30-year mortgage. This means that you would have no more than 30% to 40% of your money sunk into real estate at any given time. Following this tip will keep you from paying too much on housing.
Living Below Your Means
Living below your means ensures that you always have more money coming in than going out. People who adopt this lifestyle often vow to forego buying something new until they can pay cash for it. If they do get a raise at work, they pretend to themselves that they are still bringing in the same amount of money each month, and the extra money from their raise goes into savings or an IRA. The less of your money you spend, the more of it you can keep.
Spending less cash than you earn takes effort. It’s really a lifestyle choice and not a one-time thing. To get started, you first want to put money into savings each month. Next, be mindful of how you invest your money. Being cash poor can hurt you if tragedy strikes. Finally, do your utmost to spend less money than you have. If you follow all of these steps, it’s unlikely that you’ll ever have to worry about your finances.
A car accident has immediate financial effects. Some hospitals will not even evaluate a person without a deposit. Hospitals do not provide information about how much treatment will cost. In an emergency situation, an accident victim may have no choice, even if it spells financial disaster. There are three tips on surviving financially after a car accident.
Loans may be another option to pay for your medical bills after a car accident. A personal loan through a credit union or a cash advance from your credit card company might help you stave off bankruptcy. Loans could also help you avoid dealing with providers who refuse to deliver any additional medical services until you are current with your account. Keep track of any loans or other debts that you make and include those in your negotiations with insurers.
Personal Injury Claim
Depending on the circumstances of your accident you might be able to file a personal injury claim to receive compensation for suffering caused by the accident. If you are less than 50 percent at fault for the accident, you may be eligible to file a claim for pain and suffering in addition to compensation or payment of your medical costs. Some states limit the amount of money that you can get for suffering during the recovery of an accident, but it is worth consulting a lawyer to find out the details for your situation.
Use Your Insurance Benefits
If you have health insurance, use those benefits while you wait for funds from a personal injury claim. A court case could take one year or longer, and the bills will roll in well before then. Also, consider your auto insurance coverage. If you have MedPay or PIP insurance on your auto policy, then that coverage may help you pay for the initial out-of-pocket medical costs that you incur. You may also want to consider the insurance of the other driver. Their insurance may also pay for some of your medical expenses until you find out about a personal injury claim settlement.
How you immediately respond to a car accident will affect the rest of what happens after. It is also important for an accident victim to hire a lawyer as soon as possible. The lawyer may be able to provide physicians, hospitals and rehabilitation centers with documentation of the pending litigation. Many lawyers also help accident victims with negotiating their bills to a level that will be covered by a settlement.
Sometimes, while doing some financial planning for future expenses, you may be on the lookout for a bit of extra cash. When listing your assets, you may only think of property, vehicles, and stocks. Have you considered checking the storage you haven’t itemized in ten years, the boxes in your basement, or even the inside of your mouth? Here are three unexpectedly valuable items you may have right under your nose.
Comic Books and Magazines
The most expensive comic book ever sold was a copy of Action Comics #1 that was sold by actor Nicolas Cage for over $2 million, according to Dave & Adam’s Card World. Later editions can be quite valuable as well. For example, Tales of Suspense #39, the first appearance of Tony Stark, is worth up to $350,000. Old magazines usually don’t sell for near as much, but they can be easier to come by. If your great aunt had a subscription to Vogue 30 years ago and has a stack of them in her basement, selling each at $20-$50 can really add up.
You probably think you don’t have any precious metals just lying around, but perhaps you’re just not looking in the right place. Many people today opt for resin fillings and crowns over gold because they look more natural and cost less money. Nevertheless, dental gold is still available, and millions of people have gold crowns and fillings. Though gold is the longest-lasting option for a dental crown, it may need to be replaced after several years, and asking your dentist to keep your old gold crown could be worth it. According to CrownBuyers, with the price of gold at $1000 per ounce, an average gold crown is worth $57.
Many families have stacks of old vinyl records sitting beside their retired record players. Because of track changes, limited releases, and early withdrawal of some albums, there is a list of records that could earn you at least five figures for just having an original copy that is still in mint condition. According to Mental Floss, “The Freewheelin’ Bob Dylan” with the original tracklist and The Beatles’ “Yesterday and Today” with dismembered baby dolls on the sleeve art are some of the most rare finds.
Do you have items of value just sitting in storage? Comics, magazines, dental gold, and vinyl records are common items that many are likely to have, but they are just a few examples. Even if you don’t have these items, you may now be more inspired you to seek value where you never thought possible. It’s time to start looking for your own buried treasure!
Here are 5 financial wellness moves you need to master this year!
(BPT) - If you had to grade your financial literacy, what would it be? Are you an A+ saver, investor and planner, or do you think you could do better? If you grade yourself average at best, you’re not alone.
When asked to grade their own financial literacy, more than half of Americans say they’d earn a “C” or lower, according to new data from Prudential Financial. This isn’t surprising, considering data from Prudential’s Financial Wellness Census shows less than half of Americans are on track to meet their financial goals, including planning for retirement.
“Regardless of where you are on your family’s financial wellness journey, the best way forward is through financial literacy,” says Prudential Advisors President Brad Hearn. “Researching, educating yourself and getting advice from a financial professional can help you make the best decisions based on your life stage, risk tolerance and goals.”
Hearn says each family’s situation and goals are unique, and things like life stage and personal preference will impact how they choose to prepare for their financial future. To get started, here are five financial wellness basics every family should master:
Set up an emergency fund
Life is a series of experiences, and sometimes the unexpected can hit your finances hard. Whether it’s a car breaking down, your AC unit on the fritz or even losing a job, it’s important to be prepared for emergencies. If you don’t already have an emergency fund, start saving a little each month until you reach your goal. A good rule of thumb is to have three months’ worth of expenses saved in an emergency fund. So, if your monthly expenses are $2,500, you should have $7,500 saved.
Create a budget
Saving for college? A new car? How about starting that emergency fund? Whatever your family’s financial goals are, it’s important to have a plan in place that helps you achieve those goals. Budget to manage day-to-day expenses, and include in that budget a commitment to save for bigger milestones. For tips on getting started, do some research. There’s no shortage of advice, whether you decide to go it alone or consider using the help of a professional financial advisor.
Plan for the unimaginable
If you have people who count on you for financial support or caregiving, you should have life insurance. A life insurance policy can help give your family financial peace of mind should the worst happen. There is no rule as to how much life insurance you need, but important things to consider are your annual income, mortgage debt, potential college costs for kids and other future financial obligations.
Save for retirement
According to Prudential data, of Americans who have retirement savings and debt, nearly one-quarter have more in total debt than in retirement savings (23%), while 15% of Americans say that they have no debt, but also have nothing saved for retirement. Planning for retirement is something that should start as soon as possible. If your work offers any type of matching program, make sure to take advantage. If you don’t, you’re essentially leaving free money on the table.
Seek professional advice
Retirement, life insurance and savings can be confusing. Information overload is partly to blame. According to Prudential data, two-thirds of Americans agree that the list of things they need to learn to successfully manage their finances keeps growing, not shrinking. That’s where financial literacy programs and professional financial advice can play a key role. Nearly two-thirds of Americans don’t have a financial advisor. They say they cannot afford one (42%) or don’t believe their financial situation warrants needing an advisor’s help (26%). The reality is that advice is more within reach than ever before — and it’s not just for the wealthy. A financial professional can help at various stages in life and work with you to create a strategy based on your timeline, risk tolerance and goals.
“Financial wellness isn’t always a matter of having more money,” says Hearn. “Instead, it’s a journey that takes a combination of proactive effort, dedication and professional guidance.”
Prudential Advisors is a brand name of The Prudential Insurance Company of America and its subsidiaries. Life insurance is issued by The Prudential Insurance Company of America, Newark, NJ and its affiliates.
Regardless of income or wealth, the road to financial health – how you are able to manage your day-to-day financial life while building for the future – can be a lifelong journey. What you do today can build toward or detract from your long-term resilience and ability to pursue opportunities. These questions can serve as a starting point to take inventory of your financial health.
Planning for the Future
Taking inventory of your financial health
(Family Features) Only 28% of Americans are financially healthy, according to the U.S. Financial Health Pulse. Most others will have difficulty reaching long-term financial goals and are more vulnerable to the threat of financial shocks, such as car trouble, unforeseen medical bills or job loss.
Regardless of income or wealth, the road to financial health – how you are able to manage your day-to-day financial life while building for the future – can be a lifelong journey. What you do today can build toward or detract from your long-term resilience and ability to pursue opportunities. Whether you want to take that dream vacation, prepare for retirement or save for college, financial health takes effort to build.
“An overwhelming majority of the country is experiencing financial challenges that have lasting effects on people’s lives, on their ability to weather the inevitable ups and downs and on their chances to pursue their dreams,” said Jennifer Tescher, CEO of the Center for Financial Services Innovation (CFSI), the nation’s authority on consumer financial health. “Each year, CFSI and MetLife Foundation join forces on #FinHealthMatters Day to highlight the importance of financial health, especially for the 180 million people who are financially vulnerable.”
Photo courtesy of Getty ImagesSOURCE:
Center for Financial Services Innovation
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