Should I relocate from VA to Rochester, NY?
My husband has a job offer (around 60K + benefits) to work in the Roc and currently he’s working for at least 20K less than that and we pay $600/month for health insurance, not including meds. We have a 6 year old son. We absolutely love VA, except we’re both from the Northeast and really miss the snow, bigtime. The community in VA has very, very little employment oppty’s. I work from home so I can live anywhere and I make about $20-$25K / year (work about 20-29 hours per week). We’re an active family…love to hike, bike, etc.
Well…let’s look at this….your hubby is being offered a LOT more money plus benefits…and you have a young child who needs good benefits (as most children do). You can work anywhere, which is good…mobility is a beautiful thing! You already are used to the snow being from the Northeast…and you know how beautiful it can be! The winters here in New York have been pretty mild these past few years, so there’s plenty of time to enjoy the great outdoors, not to mention all the activities in Rochester and the neighboring areas. I think you should relocate to Rochester and vacation in Virginia. This way you get the best of both worlds, and with his increase in pay you’ll have money to sock away to take vacations! That sounds like a plan! I live in a suburb of Buffalo, NY and I love it here! The people are GREAT, the winters really aren’t that bad and the summers ROCK!! Best of luck to you!!
Filed under Health Insurance by on Aug 10th, 2010. Comment. 
Is auto-insurance in NJ similar to healthcare?
I live in NJ; about 10 years ago auto insurance was prohibitively expensive in this state, and there were very few options. I would hear ads for Geico and other low-cost insurance companies on the radio and TV, and they would always have the disclaimer at the end, “Not available in New Jersey”. Suddenly, that was all over – we had more choices and companies like Geico and State Farm and others were allowed to do business in the state.
Along with this choice came lower premiums – low like in 40% of what they used to be.
Was there legislation that was passed (or lifted) that made these choices and this competition possible?
It is my opinion that removing state mandates from health insurance would increase competition and lower premiums, and I think that the NJ Auto Insurance example might be a good comparison, but I don’t know all of the facts. Does anyone know exactly what happened in the Auto Insurance industry, specifically in NJ?
Yes, that and TORT reform.*
Filed under auto insurance price quote by on Jul 23rd, 2010. Comment.
Help with Claiming Insurance on Stolen Items.?
A couple friends and I from Michigan were visiting a friend of mine down in Miami, Fl. My friend took us to a party one night, and at the end of the night, discovered that someone had stolen his car. I had left my phone in the car, and my friend from Michigan left his Zune, headphones and phone charger in the car. How can we go about claiming insurance on these items? Is it even possible for us to get them back?
You file a claim with your homeowners or renters policy.
It’s not the responsibility of the guy you were visiting, and it’s not the responsibility of the guy who owns the car.
If you have no renters or homeowners insurance, there’s nothing to claim AGAINST.
For property, you insure for your OWN property. You can’t insure for someone else’s.
Filed under auto insurance price quote by on Jul 22nd, 2010. Comment.