If you tend to procrastinate, or drag your feet getting a task done, here's a simple technique that might help: Start using a timer. If you avoid tasks like cleaning the house, set the timer on your stove or phone for 15 minutes, then make an agreement with yourself to clean like mad for just those 15 minutes. The timer has a way of making the task more bearable because it has an end time. You can "bear" it for 15 minutes. It's likely that you'll keep going after that... [read more]

You're a statistic. To an insurer, you're not a person; you're a set of risks. An insurer bases its premium on your "risk factors," including occupation, who you are, what you own, and how you live. Know your home's value. Before you choose a policy, it is essential to establish your home's replacement cost. A local builder can provide the best estimate. Insurers differ. What seems to be the same product can be priced differently by different companies. Save... [read more]