What Makes Replacement Cost Coverage Irreplaceable?

By Catherine Powell

The reason most people buy insurance is to make themselves whole again after disaster strikes.  Whether the disaster comes n the form of a fire, a theft, a broken pipe or an act of God is immaterial.  When something totals your car, a thief steals something you prize, or a fire burns your home or RV to the ground, most folks assume that their insurance will pay to replace what they lost with something of equal value, or give them the cash equivalent.  The problem is that it's not always how the story goes as you’ll discover in this week’s blog.

How to Deal with Animal Invaders

By Catherine Powell

The first sign of animal intruders could be the sound of tiny paws scurrying overhead.  Or, you 
may come to find their droppings in your home.  Perhaps, as it happened to me recently, you will come find that something other than your pets has been gnawing at the cardboard boxes stored in your garage.   Anyway you slice it, discovering that your home has been selected as a home for vermin can be disquieting to say the least.  It can also be the source of fleas and pathogens for you, your family and your pets.  An even more shocking discovery is that these pests aren’t always so easy to get rid of.

The Impact of a DUI or DWI Conviction

By Catherine Powell

Image courtesy flickr

The law labels one infraction DUI, Driving under the Influence and the other DWI, Driving While Intoxicated.  Get tagged for either of these and you’re in for the ride of your life through the courts.  While the two designations sound eerily similar, the effects that either can have on your driving privileges, your finances and your freedom can be quite different.  What’s even worse is that the requirements for both can vary significantly depending on your age, your occupation and the jurisdiction in which you get pulled over.  Before a pair of flashing red lights has you seeing red, I thought I’d take the time to walk you through the ins and outs of getting pulled over while impaired.

How a Lienholder Can Lean on You

By Catherine Powell

Image courtesy flickr

Nobody likes to get leaned on.  That’s a given.  Be it a pushy teacher, a complaining spouse or an ultimatum from the boss, when anyone tries to push any of us around, we tend to push back.  What else can we do?  Human nature being what it is, being leaned on is something that all of us have had to deal with from time to time.  We may not like it, let alone agree with it, but we all know that once someone has a little leverage over us, they’re apt to use it.  In the real world we call someone like this a bully.  In the legal profession, they’re called lienholders.