How Knowing My Car Insurance Coverage Saved Me $250

Posted by Brock | November 26, 2014.


Car Accident


Image courtesy of Naypong at

Well, Clever Friends, it’s been quite an expensive couple of days.   Last Saturday I shelled out $330 for two new tires on the family van so that we’d be as safe as possible as we left town Saturday night for a charity event. At 12:15am Sunday morning, while we were driving home from the event, I hit a deer that darted out in front of me while I was going 65mph. I slammed on the brakes which just about gave the deer enough time to get across the road unharmed. Unfortunately, I struck his back end with the passenger side front corner of our van.

Most importantly, nobody was hurt. The van was drivable, therefore we continued on our way towards home. Even though it was very late, I immediately made some phone calls.

  • Call the Police: I dialed the non-emergency number and explained what had occurred. The dispatcher connected me with the highway patrol since the incident occurred on a state highway. The highway patrol officer explained to me that because the vehicle was drivable and no injuries occurred, their involvement was not necessary. I simply had to call my insurance company.
  • Call Your Insurance Company:  I answered questions for about 20 minutes as they opened up a claim. He explained my coverage, as well as my deductibles. My collision coverage carried a $500 deductible, while my comprehensive coverage was set at $250.

Something for Everyone? The Power of the Business Management Degree

Posted by James | November 26, 2014.

Business Management DegreeNowadays there is an almightily fine line within degrees. You have the specialist ones, which lead to a specific job that offer little flexibility – with one example being that of an architect. Then, there is the varied solution, something that covers a bit of everything but has very few direct career paths – with psychology being our chosen example here. The big issue for students is finding something that falls right in between and as the title of our post suggests, a business management degree could offer exactly that.

Contrary to popular belief, you don’t have to be an aspiring Bill Gates or Sir Richard Branson to venture into this type of education. The business management degree advantages span far and wide, and mean that it’s a path that can be appropriate for a wide range of individuals. Here, we take a look at just what it offers and why it could be so powerful for your career.

The flexibility is second to none

In our eyes, this is the prime benefit associated with a degree of this type. The name might hint that it’s solely related to business, and anybody who pursues it should be thrown straight onto the management ladder of a FTSE 100 firm. However, nowadays especially, this couldn’t be further away from the truth.

Rotate Your Tires, Or Pay The Price

Posted by Brock | November 24, 2014.



Image courtesy of Keerati at

The last two weeks have brought lower than normal temperatures, and a handful of light snowfalls. I noticed our van, which we purchased in January, was sliding quite a bit when I slowed at intersections, but just figured it was normal winter driving in the Midwest. But when I was unable to make it up a hill while driving home from a movie, I wondered to myself if maybe our tires should be checked.

It suddenly occurred to me that I had completely spaced off having our tires rotated.

I’ve been fairly good at remembering to have it done in the past, but with the purchase of our new van, I’ve gotten out of my rhythm. I normally take our vehicles to a quick lube place for an oil change every 3000 miles, and every other visit I’d go to the tire place which is literally 200 feet away and have the tires rotated. But our new van only requires an oil chance every 5000 miles so my process no longer worked.

Compounding the issue is the fact that our van has been used a lot this year. In addition to our normal usage, we also drove over 2000 miles to and from Florida for a vacation in March, and another longer trip to Chicago in July.

5 Tips for Small Businesses Getting Started Online

Posted by Clever Dude | November 23, 2014.

smallbusinessGetting a small business started online is easier every day, with everything from one-click domain name registration to online storefront assistance services like Shopify available to make the process as quick and intuitive as possible.

However, this doesn’t mean that online business is easy out the gate, especially if you’re just starting up altogether. There are a few tips to follow to make the process as painless as possible beyond just setting up a website to launch on time.

 1. Make a Plan, Get Some Help

When you set out into unknown territory, you aren’t likely to get far without a map. The US Small Business Administration recommends not only starting with an official business plan—including your launch date goal, your plan for inventory maintenance, possibility for expansion and other important business matters—but also that you seek out mentorship from experienced small business advisors. Look for free training from your local business assistance center or small business coalition, take a couple of courses in business at your local community college and get yourself ready to be the professional entrepreneur you’ve always wanted to be. Use your newfound knowledge to doublecheck your business plan, then streamline it into something as close to perfect as possible.

 2. Pick the Right Name

Just as important as building a plan is naming your online vessel for surfers across the web to find. This is key to getting off the ground right. Choose something easy to remember, as short as possible, and easy to pronounce and spell. Since you’re aiming for online launch, you need the kind of address that everyone can remember. Make sure that this name is reflected in your brand and your online presence, from website to social media.

Clever Ways to Repair Your Credit After Difficult Times

Posted by Clever Dude | November 23, 2014.

creditcardswalletBy Pierre Roy, Bankruptcy Trustee

The harm was done. Him who will remain anonymous had filed for bankruptcy with us about 3 months ago. He was calling us for help and guidance on how to rebuild his credit score after an R9 note had been dropped on his credit report.

There is no doubt about it – bankruptcy gives a fresh start. It is a chance to start over without the burden of past debt and build a better future for yourself. A future where you won’t make the same mistakes and fall in the same patterns. However, your credit score will follow you for a while in this new life. It is you responsibility to prove to your creditors that you have learned and you will better manage your credit.

Coming back to our client… He was not alone. Thousands of people – some who have filed for bankruptcy and some who haven’t – face a bad credit score every day. These people are usually in the process of getting a loan for a car or a mortgage for a house but are repeatedly denied by banks and private lenders.

If you have been through a job loss, a nasty divorce, an illness or any other cause of financial distress and your credit has suffered, don’t over worry. Bad credit will follow you for some time but it is possible to repair it.

Clever Posts Of The Week – November 21st

Posted by Brock | November 21, 2014.

I’ve got a busy, and potentially expensive weekend ahead of me.  Tonight we’re going to a friend’s 40th birthday party.  It’s in a nearby town, so I won’t be partaking in any adult beverages so we can come home and save on a hotel room.  But, we have to fill the tank, get a gift and eat dinner somewhere along the way.  Saturday evening my wife has a charity event to go to.  She already has the ticket and outfit purchased, but she’s got an appointment at the salon for hair and nails.  This event is also out of town, so more gas into the van.  I think we’ve got our budget buttoned up, but we have to make sure we stay focused to stay within the amount we allocated for these two events.

I better read through my favorite posts of the week one more time just to make sure I’m in the right frame of mine…..what do you have rollin’ this weekend?

  1. What is the best gift you ever gave or received? from Savvy Scot
  2. 3 Things Parents Should Stop Teaching Their Children About Finances from Suburban Finance
  3. Great Trash Finds: The Thanksgiving Edition from FrugalWoods
  4. 5 Quick Ways To Decrease Your Spending Right Now from GenY Finances
  5. Celebrate Thanksgiving On A Budget from Money Smart Guides

Brought to you courtesy of Brock