Purchasing home insurance is essential whether you are a renter or a homeowner. In either case, this type of insurance can protect you against moderate to catastrophic losses. The trick is, how you get your insurance and which kind to choose. The best ones could help you immensely if you should ever need to use it. Choosing Your DeductibleSome people use their home insurance as a home upgrade kit, replacing their windows or siding with something newer and more beautiful every time there is a storm that may have damaged something. This has the advantage of keeping your home in pristine condition with relatively small out-of-pocket costs to you. However, it depends on having a lower deductible plan, such as $250 or $500. Ultimately, people who have their home for a more prolonged timeframe tend to pay far more for their home insurance premiums if they have a higher deductible plan. Many people are not aware of this, but many home insurance companies allow you to have up to a $10,000 deductible. This can save you thousands of dollars over time because you are practically taking on small risks and component replacement responsibilities instead of handing them to your home insurance company. Discounts and TricksAll home insurance companies will offer you different kinds of discounts to get your business, but these discounts are not always what they initially appear to be. Different insurance companies have different actuarial standards, so their prices may be radically different from one another. Shopping around instead of accepting the first “discounts” you see can save you hundreds of dollars a year. Reading Your PolicyWhen you get your policy information or even an offer for a new policy, you will receive an extended contract that is written in dense legalese. Despite the challenge, this puts in front of you, read this document carefully. If there is anything you do not understand, talk to your agent about it. Your policy may not have something you really need, or it may feature things you do not need that will end up costing you more. The second-worst thing is to pay more money than you should. The absolute worst thing is to have something terrible happen to your home and to not be covered because of a technicality such as not having flood insurance. Often, additional parts of your insurance called “riders” need to be put in place for things like flood damage. When you first get your policy and have not purchased it yet is the best time to negotiate and confirm these kinds of things. Decide on PaymentsYou have options on what to do for your insurance payments. Some people choose to escrow them along with their mortgage payments. Other people decide to make a “self-escrow” where they automatically transfer one-twelfth of their insurance premium into a savings account every month, so they can earn interest on the money until they make a single annual payment. Paying for an entire year upfront can save you a reasonable amount of money versus paying monthly, but it does depend on your ability to set up and not touch savings. Talk to your agent about additional questions you may have about home insurance. Post Source Here: Tips For Home Insurance Buyers from https://mcgheeinsurancenwa.com/tips-home-insurance-buyers/
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Business insurance isn't exactly a "hot" topic. And when you are in charge of a business, those insurance payments can sting a little, especially when it doesn't feel like you'll be seeing the money again. The reality of the situation is that business insurance is a necessity. As every successful company knows by now, you have to minimize risk and always be prepared. And the better you understand business insurance, the more efficiently you can use it. To all the new business owners who are weighing their options concerning business insurance, here is a little insight that can help in making a solid decision. The Different Business Insurance OptionsA place to start would be the different types of business insurance you get. The most common ones include: - Insurance For LiabilityThis type of insurance will cover costs if something unexpected happens. For example, maybe a client gets hurt while shopping at your store, and they can prove you or your employees were negligent. Chances are you'll have to compensate them, and who knows how much you'll be forced to pay? Naturally, this isn't money you want to take out of the business. Instead, the insurance you have will cover the compensation costs and protect your business financially. - Income InsuranceWith income insurance, you are preparing for those time periods where the business might not be doing well. In other words, you don't have the money to pay employees or the bills. Once again, having the right insurance can bail you out of this situation without you having to make any loans. - Property InsuranceA prevalent insurance policy every business should have is property insurance. In case something happens to the building or structure, you know it won't have to come from the business budget. Instead, insurance will cover it. - Workers Compensation InsuranceAccidents happen, and when one of your employees suffers an injury that prevents them from working, they are going to need some type of funding to survive. Workers compensation is the type of insurance that finances this kind of situation. Custom Insurance For Specific BusinessesNow that you have a better understanding of the typical business insurance options owners have, it is time to dig a little deeper. The type of business you own is going to influence your insurance significantly. For example, a restaurant is going to require a different setup than a hardware store will. This means you have to thoroughly assess the type of business you have before settling on any insurance plan. Some Loans Require InsuranceIt should be noted that if you need to borrow money to start your business, there might be a requirement to have insurance. What type of insurance is going to be necessary depends on the place you are applying. In fact, some states make specific policies mandatory, mostly to protect employees. So, stay up to date with what is mandatory if you want to open the doors to your business. Post Source Here: Understanding All The Elements Of Business Insurance from https://mcgheeinsurancenwa.com/understanding-elements-business-insurance/ Fayetteville is Arkansas' third largest city and home to the U of A. In 2016, US News ranked it as the third most desirable place to live in America, and after you have visited, you will agree wholeheartedly. Here are several fun things to do if you do ever have the please of visiting: Visit the Food Truck Alley on Dickson StreetIf you enjoy tasty food, this is an ideal stop off point. The Food Truck Alley on Dickson Street offers a welcoming environment for families. Whether you fancy trying some pizza or ice cream, these trucks can cater to all tastes. This part of the city is a favorite with locals, and always has something going on. Go to Wilson ParkSituated in the city center, Wilson Park is the oldest park in Fayetteville. It provides a picturesque urban area for locals to relax in. Founded in 1906 and encompassing 22.75 acres, this park has a variety of amenities, such as tennis courts, a swimming pool, a basketball court and a softball field. A playground, castle area and swings are perfect for kids, while picnic areas and green lawns are ideal for a family day out. Sample the Farmers MarketIf you are visiting in the fall, spring, or summer, this is not to be missed. The market is held in Fayetteville Square and features local artists, farmers, music and coffee shops. There is a lovely community spirit at these events, which offer the perfect opportunity for some photos. Explore the Arkansas Military and Air MuseumThe Arkansas Military and Air Museum depicts Arkansas' fascinating history of aviation, through a splendid collection of aviation artifacts, memorabilia and historical treasures linked to aviation. In the museum, there are both mobile and static displays and exhibits. Lots of these are still used today. Marvel at the huge wooden hangar that used to be an aviator training post in World War Two, and stroll through the impressive aircraft displays that feature a Stinson S Junior, a Douglass A 4 Skyhawk, and military helicopters from the Vietnam era. Climb Mount Sequoyah CrossThe Mount Sequoyah Cross offers a lovely view of Fayetteville, particularly at sunset. It is the ideal place to escape to and enjoy some quality time by yourself, or with loved ones. Feel free to climb the cross base to take that daring selfie, just bear in mind that it is a bit precarious. Discover Ozarks Botanical GardenFinally, the Ozarks Botanical Garden boasts an extensive range of themed gardens, as well as a charming butterfly house. In 1994, the gardens were set up with the intention of offering a stunning location for leisure and relaxation. Also, the garden aims to be a source of learning for both adults and children, and encourages people to become interested in the Ozarks' natural ecosystem. A range of educational workshops, programs and lessons on conservation and horticulture are provided to children of every age, along with practical science and nature learning events - like Butterfly Days, Firefly Fling and Earth Day.
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See More Here: More Fun Things To Do In Fayetteville, Arkansas from http://mcgheeinsurancenwa.com/more-fun-things-fayetteville-arkansas/ Only two cities are bigger than Fayetteville in that state of Arkansas. One of the major adventures that can be embarked on while visiting this beautiful, historic city is a visit to the renowned Arkansas Air and Military Museum. Located at Drake Field in Fayetteville, the museum exhibits the rich legacy of aviation in Arkansas. Its colorful history is shown through an incredible collection of memorabilia, artifacts, and other historical items related to aviation. The museum collection is a combination of standard aircraft in-flight service condition ranging between the 1920s and 1930s. There are also static displays of significant military aircraft coming out of the Vietnam period. Also, you will also be able to marvel at more modern planes out the post-World War II era. There are a number of vehicles and airplanes from each period in modern wartime history. The museum walls are also filled with the names of soldiers. Upon walking into the structure, visitors enter a gift shop to buy their tickets for entry into the museum. There are a variety of exhibits besides the gift shop. These artifacts tell the tales of aviation and aviators in Arkansas, including the progress made over the years. There are tall glass booths showcasing wartime relics like bits of a Japanese Mitsubishi A6M Zero, letters with postmarks and stamps intact, uniforms and helmets and even a class notebook that belonged to Field Eugene Kindley from Auxiliary Gunner School. There are also old newspaper clippings covering aviation news and showcasing accomplishments over the years. The remarkable airplanes displayed in the Arkansas Air and Military Museum are rare among museum exhibits. This is because a number of them can still be flown. The static displays range from aviation's golden age to the jet age. They include Navy carrier fighter and Vietnam-era Army helicopters. Apart from the impressive line of aircraft, the museum displays a range of aviation engines like a Westinghouse J34, a Rolls-Royce Spey and a Curtiss OX-5. Included among the other exhibits and collections are military vehicles like jeeps, trucks, ambulances and a British Ferret armored car. There is also a 1940 Packard automobile on display. Uniforms, helmets and other smaller military artifacts are also included among the exhibits. In addition, the Arkansas Air and Military Museum features biographical artifacts on distinguished Arkansan aviators. The cadre includes Captain Pierce McKennon, Commander Richard O. Covey and Iris Louise McPhetridge Thaden, who was a pioneering female pilot. In 1929, she was the recipient of the Women's Air Derby and in 1936, she won the Harmon Trophy. Thaden was also Amelia Earhart's colleague and the second most renowned female pilot of the American golden age. The Fayetteville based Museum is housed in a massive, all-wood white hangar. This location is an important aspect of American history as well. It used to be the headquarters for one of the many aviator training posts of the United States of America during the era of World War II. During this time, Drake Field was an established military base.
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Read Full Article Here: Learn About The Arkansas Air And Military Museum In Fayetteville, Arkansas from http://mcgheeinsurancenwa.com/learn-arkansas-air-military-museum-fayetteville-arkansas/ Home of the University of Arkansas, there are only two cities larger than Fayetteville in that state. Among other adventures, you can enjoy a stroll through the Botanical Garden of the Ozarks, stopover for a while at Wilson Park or enjoy eating at the Farmers' Table Café or the Hammontree's Grill Cheese Diner. Below are details of some fun things to do in Fayetteville, Arkansas: Botanical Garden of the OzarksHome to an extraordinary assortment of 12 themed gardens, these gardens were established in 1994 and also boast a contemporary butterfly house. The aim of providing a stunningly gorgeous location for relaxation and recreation has definitely been accomplished. The gardens are also intended to provide an educational resource for both adults and children. They also aim to inspire individuals to become interested in the natural ecosystem of the Ozarks. Children of all ages can access a broad range of workshops, classes and educational programs on conservation and horticulture. You can take advantage of hands-on science and nature learning experiences like Firefly Fling, Earth Day and Butterfly Days. Wilson ParkWilson Park was the first park in Fayetteville, located in the heart of the city. It offers a gorgeous urban space for both visitors and locals to relish. It spans 22.75 acres and was established in 1906. Wilson Park features an array of amenities, which include tennis courts, a swimming pool, a basketball court and a softball field. Children, especially, can enjoy the playground, castle area, and swings while the rest of the family relaxes in the picnic areas and green lawns. A short, winding walking trail offers fantastic views leading to The Castle; this is a seven-point sculpture with a footbridge designed and constructed by renowned artist, Frank Williams. Arkansas Air and Military MuseumThis museum displays the rich heritage of aviation in Arkansas. This is portrayed via a remarkable collection of historical items, memorabilia, and artifacts associated with flight.
The Farmer's Table CaféThis casual eatery serves homemade, organic breakfast and lunch every day, except on a Monday. It provides support to local farmers by using fresh, locally-sourced produce to make wholesome, delicious dishes. The menu features omelets, griddle pancakes, free-range eggs and granola for breakfast. For lunch, you can feast on burgers, sandwiches, salads, soups and a variety of beverages. Hammontree's Grilled Cheese DinerThis spacious, fun, cheerful and whimsically-decorated dinner is the Ferrari of grilled cheese sandwiches. They are extremely popular because of the sheer magic they create with 26 different types of cheese, eight varieties of meat, seven sauces and spreads and six veggies. They also serve extraordinarily succulent sausages courtesy of James at the Mill and delicious loaves of bread from a local family bakery. Lake FayettevilleThis spectacular lake is bordered by 640 acres of magnificent, well-maintained parklands and it sits on the northern edge of Fayetteville. It offers users a variety of recreational activities, which include fishing, boating, cycling, hiking and picnicking.
Source Here: Fun Things To Do In Fayetteville, Arkansas from http://mcgheeinsurancenwa.com/fun-things-fayetteville-arkansas/ The University of Arkansas, a state university, was established in 1871 as a land-grant institution. Also called the U of A, it is located in Fayetteville, a city in northwest Arkansas. As of Fall 2016, it had a total enrollment of 27,194 students. With a campus area of 718 acres that overlooks the Ozark Mountains and numerous fields of undergraduate and postgraduate studies, it is ranked 135th in the 2017 National University Rankings and has produced graduates that changed and continue to impact the world. The Admission Process and the Cost of SchoolingSeveral admission criteria need to be fulfilled when applying to an undergraduate program at the University of Arkansas. These include the completion of at least 16 high school academic units, a high school GPA of more than or equal to 3.0 on a 4.0 scale, an ACT score of at least 20, or the SAT equivalent. Tuition and fees are dependent on the number of credit hours. For undergraduates who are Arkansas residents, the total cost of attendance ranges from $19, 564 to $24,916. For non-business graduate students who are Arkansas residents, the cost is $28,024. The cost is a bit higher for business graduate studies at $31,962 and law studies at $32,714. Students who are not residents of Arkansas have to pay a higher cost of attendance. Undergraduate fees range from $34,810 to $40,904. Non-business graduate studies cost $44,318 while business graduate studies cost $54,186. Law studies cost $51,614. Financial aid is available for students who are economically challenged. A Federal Student Aid (FSA) is available for eligible students. Eligibility criteria include: being enrolled as a regular student in an aid-eligible program, being a citizen or an eligible non-citizen, completion of the application process via the Office of Financial Aid, not in default on any Title IV loan, not convicted in a drug-related case, and Academic and Research ProgramsThere are 85 undergraduate programs, 81 master's degree programs, 42 doctoral and specialist programs, and 26 graduate certificate programs at the University of Arkansas. With 1,353 members of the faculty, the faculty to student ratio is 1:19. The average ACT of students is 26. The 6-year graduation rate is 64.5%. The University of Arkansas is considered a leading research institution, given its various doctoral degrees and the number of its research expenditures and research output. The University identifies six interdisciplinary research strengths namely 1) health, 2) nanotechnology, 3) energy and environment, 4) art, architecture and humanities, 5) food safety, and 6) supply chain, retail and transportation. The University has several resource centers at hand for researchers. These resource centers include the Office of Research and Economic Development, the Office of Research and Sponsored Programs, the Office of Research Compliance, the Arkansas Research and Technology Park, and the Technology Ventures team. Famous Graduates and other Fun FactsThe names of University of Arkansas graduates are imprinted in the Senior Walk, a 3.7-mile long sidewalk. Prominent graduates of this public institution include J. William Fulbright, who served as a president of the university and created the famous Fulbright Scholarship Program, Bob Sauerberg (president of Conde Nast) and Doug McMillon (CEO and president of Wal-Mart Stores). Along with them are Veronica Campbell-Brown, an Olympic gold medalist, Darren McFadden, NFL player, and Asa Hutchinson, the Arkansas governor.
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ABOUT USAt Mcghee Insurance, we pride ourselves in searching the marketplace so that we may offer the very best products offered by financially sound companies that will be available in the time of need. While we realize that price is of utmost importance, we also realize the need for a quality product to be offered. You will enjoy doing business with our professional and courteous staff as well. We want to not only earn the opportunity of insuring your most prized possessions, but to keep them insured for generations to come. ArchivesNo Archives Categories |