How to secure your used car

How to secure your used car

As we know, buying a new car implies a big investment and not all of them have the money to buy an agency car, so we resorted to buying a used car.

After changes in transit regulations in several countries of the world, having auto insurance has become compulsory, so buying a used car does not exempt you from securing it. If you don't know how to secure a used car, here we tell you.

Examine the general condition of the vehicle and handle it: even a short section, which is usually done in the company of the unit owner.

Advantages
No depreciation of the car
You save a lot of money when you buy it
Auto insurance is cheaper
You find a lot of models
If you choose a popular car model, it's easier to find auto parts
If you buy a refurbished agency car, some dealerships give you warranty.

Disadvantages
A mechanic should check the car
Risk of the car being hit
You are more likely to spend on repairs and maintenance
If you buy a discontinued car, finding original parts can be a challenge
Risk of the car not being manufactured in your country
Risk of the car having a robbery report.

Buying a luxury used car can cost you from 50% to 70% less than its initial value while older, the harder it will be to find the car.

Check for major damage: Take the car to your confidence workshop for a general review. Especially ask that they check if there are possible leaks of fluids that can affect the engine, observes the smoke that comes out of the exhaust, verifies that there are no blows below the bodywork and especially those that may have affected vital parts.

Confirm that the serial numbers appearing on the motor, bodywork and chassis are matched against those of the original invoice.

Internet: There are pages where you can see and compare different cars and contact the buyer.

Tianguis de Autos: Going to these places is not very advisable because you can not know the origin of the vehicle or you do not have so many guarantees, but if it is your only option, avoid the purchase by impulse; Even if it looks like an irresistible offer, don't pay anything without checking the car and seller's background.

Through a known: if a family member or friend is selling his car is easier to make the purchase because you have seen the handling and care you have had with your car, however, the drawback of this transaction is that the person does not have a fiscal domicile,  It does not give you any guarantee or sometimes you do not sign a purchase-sale contract.

Read more ...

How to insure your assets

Cómo asegurar sus activos

El seguro en general protege las pérdidas económicas para las personas, las empresas y el estado. Es el instrumento financiero que permite la transferencia de riesgos a las compañías de seguros mediante el pago de una tarifa.
Al comprar una póliza de seguro, el asegurado puede recibir una compensación por el bien asegurado cuando ocurre un desastre natural, un accidente automovilístico, un incendio, una discapacidad, un engaño, un gasto de atención médica o incluso la muerte.

En el caso específico del mercado inmobiliario existen varios seguros especializados en proteger aspectos de las viviendas. Cuando una persona adquiere una propiedad con financiamiento, los prestamistas requieren un seguro de propiedad. Para lo cual el propietario deberá comprar una póliza que cubra mínimamente el valor de la hipoteca.
Las pólizas de seguro Standard-Property están compuestas por cuatro coberturas de seguro.
La cobertura estructural que protege al propietario de los daños más comunes, como fuego, humo, granizo, vandalismo y robo. Esta cobertura incluye una cantidad deducible que el propietario de la propiedad acepta pagar en caso de que se produzca alguno de los daños mencionados anteriormente. El resto del dinero para el material de reparación o reemplazo será proporcionado por la compañía de seguros al límite predeterminado en el contrato.
En la mayoría de los casos, la cobertura de propiedad personal está incluida en el seguro del propietario y protege la reparación o el reemplazo del contenido de la vivienda. Aquí se incluyen muebles, ropa y electrodomésticos. Esta cobertura garantiza del 50% al 75% del valor de los artículos protegidos.
Es aconsejable que los propietarios guarden en un lugar seguro un inventario detallado de sus posesiones, que vayan actualizando en la medida en que adquieran un nuevo bien.

El tercero es la cobertura de subsistencia adicional que consiste en los fondos que recibirá la parte perjudicada y su familia para pagar un alojamiento alternativo cuando el propietario de la propiedad no pueda vivir en el tiempo que están llevando a cabo el trabajo de Reparación. 
El último, y no menos importante, incluido en el seguro de propiedad, es la cobertura de protección de responsabilidad. El propietario está protegido contra reclamos y posibles reclamos por lesiones corporales o daños a la propiedad que cualquier miembro de la familia cause a otras personas o sus bienes materiales.
Una cantidad significativa de cobertura de protección de responsabilidad es que le permite a la persona afectada presentar las facturas médicas a cargo de la compañía de seguros del propietario.
Si el propietario tiene un perro, deben verificar que estén incluidos en la póliza de seguro. Si la mascota agredió a alguien estará protegida.
Aquí hay algunos consejos prácticos que pueden ayudarle cuando compra su póliza de seguro.

Read more ...

Life insurance Health Insurance Tips.

Life insurance  Health Insurance Tips.

Regardless of the reason that has led you to hire a health insurance policy, it is important that values among the entire supply of products you have in the market, which best suits your needs.
In most countries there are several companies that offer health insurance, so we can compare and get the most suitable for us.
To save money, we can ask our usual insurance company first if you have this product. If you have it, you will probably get better price than if you hire it with another insurer because you are already a customer.

Do not leave either to ask your company if they have any agreement with an insurer for a collective service, or to your bank or savings box, in case your offer has any kind of promotion.

Health Insurance Modalities

Insurance without co-payment: You pay the premium as you agree with the company and nothing else. Every time you need it you go to a specialist in the medical (and only medical box) of the insurer in the typology and province of residence. Some companies charge you a dollar per visit so you are aware that everything has a cost and you do not go to the doctor without real need.
Insurance with co-payments: health insurance coverage is more limited, so outside of the most basic general medical or nursing services collected in the medical chart, pay for the benefit received. It is more economical and may be more interesting for people who have the insurance more by prevention than by necessity or who have a scarce medical picture in their province.
Insurance with reimbursement: it is the most expensive. With this insurance the medical chart is no longer necessary because the insured can go to any doctor or clinic who wants to be or not in the medical box of the company. The user pays for everything, but the insurer reimburses it within established limits. It is very interesting for international coverage or rare diseases.

Other important features

To be able to hire health insurance you have to prove that you do not have a disease that requires medical services immediately. Having healthy living habits helps pay less, but the important thing is not to lie, in case you get caught.

In any case, all health insurance has a period of cadence with which the backs are covered in case the insured requires the insurance services in the first weeks or months. As the customer gains in seniority, the company is opening services in the form of authorizations.

In this way, insurance companies are prevented from being discharged in health insurance only when they are detected a disease and are discounted when they are overcome. It is also more profitable to take out the insurance being younger because the progressive increase of the quotas will be lower than if we hire the insurance already with a certain age.

Read more ...

Basic tips When hiring your travel insurance.

Basic tips When hiring your travel insurance.

Travel insurance is still one of the great absentees in the suitcase of the world's citizens. Almost half of international travelers have never hired travel insurance, only 12.72% declare hiring a travel policy on a regular basis when booking their vacation.
Ignorance of the advantages of this product or the varied coverages that may be included may be some of the reasons for your non-hiring. Now, before you sign up for an insurance policy of these characteristics it is important to have certain things clear to make the product wrong.

Don't miss a lot of time!
Travel insurance you have to hire before the trip begins. Once started no company will sell you one of these insurance policies. Each company sets the deadline on which you can hire certain coverages. Thus, the cancellation of travel must be hired between 24 and 72 hours before the start of the trip while the medical assistance could be signed on the same day.

Check the medical expenses limit
One of the coverages you have to set when choosing a travel insurance is in the medical expenses. The maximum amount covered is a factor that can make the policy more expensive because it is not the same to have a coverage of $2,000 that of $1 million.
Broadening the coverage limit for medical expenses depends on the country you travel to. For example, the United States has no public health, so it is recommended that insurance coverage and medical expenses be as high as possible.

Fits the insurance to your traveler profile
There are different types of travel insurance that adapt to the different traveler's profiles. If you are only going to make a trip a year you should not hire the same as or if you are going to do several. It is also not the same to go on vacation to travel for business or studies. Depending on the type of trip you are going to make or its duration the insurance that best suits you is not always the same. Make sure you hire the right one!

Care when practicing risky sports
The reason for many trips is often, for some, the practice of extreme sports. As is often the case in most life or health insurance, accidents arising from the performance of these activities are out of range.
In these cases it is best to also hire an adventure insurance policy or extreme sports that has coverage such as location and rescue or rehabilitation.

Avoid duplicating coverage
It is very important that before you hire travel insurance you check the coverages that include other policies such as health or accidents. On many occasions, insurance offers coverage outside the borders.
Yes, look at the limitations because, in the case of health insurance with foreign assistance the maximum economic limit is usually $10,000 and when the displacement is not greater than 90 days.

Read more ...