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As a Fairfax VA home owner, obtaining the most out of your hazard insurance policy is paramount. Though it might charge more than thousands of dollars yearly, there’s a method to lessen these expenses that insurance agents don’t advertise and that you can benefit of by learning from the right people.

On the other hand, there’s an even more  devastating  side to homeowner hazard insurance guidelines that the average owners of Fairfax VA homes most likely do not know. More than over-paying by hundreds of dollars yearly, annually, we see these actual damages unfortunately  occur all the time.

See, what happens when one of the things the insurance policy safeguards you from reallyoccurs?  Calamities like flood, fire and earthquakes can definitely damage  your Fairfax VA home, but worse calamities can probably demolish a lot of your personal belongings in it, making them unrecognizable, useless or even just gone.

The insurance company will normally only replace about 75% of lost contents of these damaged  Fairfax VA homes, and generally not because they don’t want to. Here is one reason.

Close your eyes and picture in your mind everything you own in the house, then write down every single item, including details like brand. The average person can probably only remember or successfully express about 75% of what they possessed. Now visualize that you’ve experienced such a disaster and are now informing your insurance company all these at the same time when you’re overflowing with emotional loss.

To efficiently get 100% replacement of your insured belongings,  you needproper documentation of all your belongings as evidence in case of such an event. There are only a small number of uncontested techniques of accomplishing this and only true Insiders are in the know.

Attend my free and live online webinar for this private material and more inside Fairfax real estate!

~

Thierry is a Real Estate Agent at RE/MAX Premier, and Host of Talk Radio’s, “Inside Real Estate”

Thierry & his team Guarantee a $25,000 minimum savings for Northern VA Homebuyers by applying his unique insider techniques & strategies that he discovered throughout 8 years of exclusive Radio Interviews & Insider Access to wealthy Real Estate Insiders, Investors & Top Industry experts.

Phone:(703) 222-6714      .

Thierry@ThierryRoche.com

Copyright 2010 Inside Real Estate, LLC. All Rights Reserved.

Having a personal financial plan is imperative if financial abundance is important to you. Without a personal plan, you’re shooting darts in the dark, financially speaking. It can seem that it’s a little boring to attain financial prosperity. Getting there isn’t all flash like you see it portrayed in the movies. You need a plan to steadily increase your wealth year after year.

Of course, once you create a financial plan, follow it through for a few years, and then begin to realize the fruits of the plan, there’s absolutely nothing boring about the results. Just be sure you don’t fall into the “get-rich-quick” crowd. Develop your personal financial plan and then just work it.

The first thing your financial plan should show you is exactly how much money you must save in order to live the type of retirement you desire. Your financial planner should ask you how much money you’d like to live on each month after you’ve retired.

Once he or she knows this information, they must come back with a spreadsheet that shows you how much you’re going to have to save. This number is your financial independence number. Once you know the lump sum required to retire on your terms, you’ll then know how much you must save each month in order to meet the goal.

Key information, indeed! How many people do you know who know their personal Financial Independence Number? Is it any wonder 90% of the people out there reach retirement age completely and utterly broke?

Yes, if you have a family, you must pay for life insurance. When you create a financial plan, you can’t skip this part. Income replacement is what life insurance is all about. If your family needs your income while you’re alive, what in the world makes you think they won’t need it if you’re dead?

Since term life insurance is cheaper per thousand than whole life or variable life insurance, term is the way to go here. Multiply your annual income by ten and you’ll be pretty close to how much term insurance you need on yourself.

Getting out of debt is huge for your future. If your financial planner tries to create a financial plan for you without providing you a plan to get out of debt, run the other way. Your future financial abundance depends on your ability to pay off your consumer debt and then your ability to stay out of debt. Don’t fool yourself on this fact.

Finally, your financial planner should spend some time going over your budget and then offer you some ideas and ways to adjust that budget in ways that can free up money that you can then contribute to your retirement, life insurance or debt elimination needs. With proper planning, financial success can be yours.