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Wedding insurance expands as nuptials get pricier. More Americans buying wedding insurance today.

Wedding Planning: Wedding Insurance 101. Also In This

With the cost of the average American wedding reaching about from $15,000 to $30,000, insurers have been selling a growing number of policies to protect against losses from extreme weather, illness and, in one firm's case, even a sudden change of heart. Life Insurance FREE QUOTE, FAST & EASY''''Find Out How Much You Can Save On Life Insurance- 'REQUEST A FREE QUOTE TODAY'' Find Out If You're Paying 

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The insurance is offered by a small number of U.S. companies. Insurers declined to provide data on the number of customers beyond saying they are growing steadily. It can cover losses from issues ranging from bankrupt wedding halls to cancellations forced by unexpected military deployments. Travelers says issues with vendors account for about a quarter of the claims, with most of those related to issues with photographers or videographers. Insurance// Financial Solution// Investment // Money- The Millionaire's Mindset---

Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforseen, and can also afford you great peace of mind. But what exactly is wedding insurance -- and how does it work? Here's the inside scoop.

What Is Wedding Insurance?

Basically, wedding insurance protects a couple's investment from circumstances beyond their control, and reimburses expenses incurred.

For example, what if your limo driver doesn't show up and you have to bo

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How to insuring Groups of Valuable Items? What is Guest Medical Insurance?ok another one the morning of the wedding -- for three times the price?

Or what if the groom's custom-made tuxedo is lost in airport baggage, and he has to buy a new one the day before the wedding?

What if your reception space goes out of business a month before the wedding, and you lose your deposit and have to book another space?

These are the types of big-day financial losses that wedding insurance can help to protect. .Health Care Affordable Health Care for America Act // NEWS-LETTER. // Automobile

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How Much Does Wedding Insurance Cost?

A basic insurance policy that covers loss of photos, videos, attire, presents, rings, and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around...

Do You Really Need Wedding Insurance?

Before you buy wedding insurance, check with your each of your vendors to see how well they're covered -- your reception site or your caterer may already have their own insurance, so you wouldn't want to pay for overlapping coverage out of your own pocket. Ask your vendors for a copy of their policy, and then figure out where you aren't fully covered.

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When Should You Get Weddin g Insurance?

The sooner the better. Let's say you put a deposit on your wedding reception hall 12 months prior to your wedding date and then it burns to the ground a few weeks before the big day. With wedding insurance, you'll be sure to get your deposit back. But note: most insurance companies have limitations on how far in advance you can purchase insurance.

What Does Wedding Insurance Cover?

Problems with the site, weather, vendors, key people, sickness, or injury are the top concerns come wedding day.

There is usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan. ''Tern Life IInsurance / Cash-Value Life Insurance. Which One Is The Best And Why?

• Site: Check to see if your ceremony and reception site is already insured. If it's not, wedding insurance can cover the cost arising out of unavoidable cancellation (such as damage or inaccessibility to the ceremony site), if your reception hall is unable to honor your reservation because it has burned in a fire, experienced an electrical outage, or just plain closed down. Sometimes this policy covers the rehearsal dinner site, too.

• Weather: Any weather conditions which prevent the bride, groom, any relative whose presence at the wedding is essential, or the majority of the guests from reaching the premises where the wedding is to take place. Insurance covers rescheduling the wedding and all the details involved -- such as ceremony flowers, tent rental, and reception food. ''What Are The 12 Great Benefits, & Advantages Of Owning A Life Insurance Policy?
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• Vendor No-show: What if essential wedding people -- the caterer or the officiant, for example -- fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.

• Sickness or Injury: Wedding insurance may also include sickness or injury to the bride, groom, or anyone essential to the wedding.
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• Military or Job: It's true, military personnel may be shipped out at a moment's notice. Wedding insurance can cover postponement of the we..Term Insurance Advantages, Term Insurance General 
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• dding due to the bride or groom suddenly getting called to military duty.
• This can also apply to a last-minute corporate move -- i.e. the bride's company suddenly relocates her to another city.

Wedding Insurance Doesn't Cover...

• A change of heart. In other words, cold feet don't count.
• Watches, jewelry, or semi-precious gemstones or pearls (even if they are attached to clothing) may not be covered.
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Additional Coverage

Couples can take out supplemental policies to defend against damages incured by other wedding-related items such as photography, videography, and gifts.

• Photography: Some policies pay to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen, or not properly developed.
•  Some policies will pay to re-stage the event -- with the principal participants so that pictures can be retaken. A policy may also pay costs for rehiring a photographer, buying a new wedding cake, and new flowers.Preneed insurance : What Is Pre-Need Insurance?  Travel/accident insurance.  CREDIT LIFE INSURANCE: What is Credit Life Insurance?
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• Videographer: When a videotape produced by a professional videographer is damaged (he or she used faulty materials for example), a policy usually pays a certain amount to have either a video montage created, a video compilation made of the photographs and other wedding memorabilia, or, if possible, a retaking of the official video at a restaging.

• Gifts: Whether they're mailed to your home or handed to you on your wedding day, valuable items like gifts are something else you might want to consider insuring. Think about a party crasher lifting unattended presents from your reception. . Guaranteed issue. WHAT IS Guaranteed issue life insurance?  -
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•  Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen, or damaged. A police report is usually required for stolen gifts. The damage or theft generally has to take place within a limited time period (ranging from 24 hours to seven days depending on the specific policy) before or after the wedding, in order to be covered.

• Attire: This coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen, or damaged (including financial failure of the bridal store). Special attire usually includes the clothing and accessories bought or rented that are to be worn by the bride, the groom, and attendants at the ceremony. Term life insurance vs. whole life insurance. Which is a better choice for you?Term life insurance policies serve a purpose. So do whole life insurance policies.

• Personal Liability: Personal liability covers bodily injury or property damage caused by an accident that occurs during the course of the wedding (your best man trips and falls on his way up to the mike to roast you or Uncle Murray suffers a Harvey Wallbanger wall banger).

• Medical Coverage: This covers reasonable medical expenses (up to the policy's limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability. '' LIFE INSURANCE 101 Understanding Life Insurance   what you really want to know about Life insurance...
  
  
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• Honeymoon: Your honeymoon can cost as much as a new car. But before buying travel insurance to protect your investment, see if your credit card and/or homeowner's policy covers you if your luggage gets lifted, your trip is delayed, or you have to cancel.
• If not, you can a buy separate, trip-only policy. Call your insurer, or ask your travel agent for details. Also, certain wedding insurance packages include optional travel insurance for your honeymoon.

Things to Consider

Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent -- and have him or her explain the nuts and bolts to you. You want to make sure you and your sweetie understand every detail of your policy.

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People Are Protecting Their  Special Day With Wedding and Event Insurance

Your wedding is a magical day that you hope will be perfect. Sometimes reality has other plans. No matter how carefully you plan your wedding day, circumstances beyond your control may cause you loss or hardship. That’s why it’s a good idea to protect your special day with wedding insurance.

Wedding cancellation insurance

Insurance for weddings helps protect your financial investment if you’re forced to cancel or reschedule for a covered reason or if your wedding takes place as scheduled but you experience a covered damage or loss to your wedding dress, rings, photos/video or more.

Wedding cancellation insurance also offers these additional benefits:

• Protection against lost deposits due to vendor bankruptcy during the planning process
• Reimbursement of non-refundable deposits if you cancel or postpone for a covered reason
• Includes the rehearsal dinner if held within 48 hours of your wedding
• Variable coverage options
• Available for purchase up to 15 days prior to your wedding day
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Wedding liability insurance

Our specialty liability insurance for your wedding provides important liability protection for the bride and groom and their parents as well as your venue. It protects against property damage, bodily injuries and alcohol-related accidents caused by a vendor or guest that may arise during the rehearsal dinner, wedding ceremony and reception.

Wedding liability insurance also offers these benefits:

• Coverage is for both you and your venue, if requested
• Variable coverage limit options
• Certificate of Insurance can be emailed directly to the venue

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Real Estate Cash Buyes Against Real Estate Financing - Anthony Jeanty, Realtor Of South Florida

REAL ESTATE CASH BUYERS

HOW CAN YOU COMPETE AGAINST A CASH BUYER?

Cash buyers are stealing real estate properties out from other buyers for longtime, simply because someone with cash doesn't need a loan.

Regular buyers relying on credit are often  intimidated by what appears to be a lose-los situation. They assume that if they need a loan, they can't compete with cash buyer. That's wrong, the truth is , someone buying a home with credit can still compete against cash buyers and win big time.

Do you have at least 20% down payment?

Are you well employed? Do you have at least 6 months cash reserves in addition to your down-payment?

Do you have very little debt? Do you have good credit? If so, your purchase should be as bullet-proof as cash buyer's. Real Estate Learning Center: Foreclosure, REO'S, Short Sale, Pre-construction.Mortgage Loans Learning Center.

Here's what you need to do to compete against a cash buyer.

Structure your offer extremely well. Ask your lender for a pre-approval letter just to let the seller know that you're a well qualified buyer.

Have your agent provide some financial information about you with your offer.

Send the lender a copy of the preliminary title report if available.

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If you take any of this step, let the seller know.

Pre-order the appraisal even if this may not be as easy  with the bigger financial institutions as with the smaller ones.

At the time of your offer, tell the seller that the appraisal has already been ordered.

Get the home inspection complete as soon as you have your offer accepted to show the seller that you mean business. Real Estate For Sale, Commercial Real Estate, Miami Real Estate, Mobile Home, Florida Real Estate

Pay extra sometimes worth the price!

paying more money to beat a cash offer may not sound good enough for many buyers but nearly cash buyers always expect to have a discount from the seller just because they are paying cash.

They usually said: {CASH IS KING} Not necessarily all the times that is true.

As a result of paying cash, the cash buyer will often make a lower offer.

To increase your chances, top off your offer a little bit.

Bottom line: Stay in the game  and know your limits. Overpaying is not the end of the world so long as you're within a reasonable range.

IF YOU NEED HELP TO BUY OR TO SELL A PROPERTY IN SOUTH FLORIDA ; LET A PROFESSIONAL LICENSED REALTOR ASSIST YOU.

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Make yourself known to the seller.  Most of the time when a seller's agent presents an off; the seller always wants to know at least a little bit about the potential buyer. It's good to add a cover letter and an introduction.

Let the seller know who you are, why you like the property and what your intentions  are. So do the best you can be realistic. Make sure your financial house is an order. Real Estate For Sale, Commercial Real Estate, Miami Real Estate, Florida Real Estate

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Work with a good local real estate agent like Anthony jeanty of knowledgefinancial.com and financialacademyschool.com. Work with a good lender or a good mortgage professional well in advance to structure your offer in a way to show that you're ready, willing, and able to purchase.

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COMMERCIAL REAL ESTATE Consider these interesting facts: Commercial properties have held their value despite the recent downturn in housing prices Foreclosed homeowners are moving back to apartments and pushing vacancies down Office and retail property owners who are worried about the economy are more willing to sell on creative terms Private lenders, tired of the stock market, are looking for other places to place their funds Cash Flow Coverage


Commercial properties are meant to create income and it is this income that repays the loan.
Income may come from the business that occupies the property, from tenants that lease the property, or from a business with no property.

The lender will look to the amount of cash available to service the debt after paying the owner and covering all operating expenses. 

Income & Expenses In commercial real state, income producing Properties.

First, the owner's personal income is not used to Repay the loan. Therefore the debt-to-income ratios and other personal income requirements often don't exist.

Advantage of Commercial Real Estate nvestment
Whether you are a new or experienced Commercial real estate investor, the following Checklist are some key motivations to qualify Reasons for your investment decision:

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SOUTH FLORIDA, CALL . ANTONY   =   F.I.R.

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Acknowledge that the Agent / Broker is being retained solely as a real estate agent as a transaction broker and is not an attorney, tax advisor, lender, appraiser, professional home inspector or any other professional service provider. BUYER has been advised to seek professional advice concerning the condition of the property, and legal & tax matters.
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In return for these services, BUYERS should be ready and agree to: Tell the truth, all the truth nothing but the truth throughout the entire transaction. Seek pre-approval from a lender prior to viewing property

Provide all the necessary documents requested on a timely manner Sign all the documents that will be required signature or initial

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-- SOUTH FLORIDA REAL ESTATE INVESTMENTS. ---FIVE IMPORTANT THINGS EVERY REAL ESTATE INVESTOR SHOULD KNOW ABOUT?... ATTENTION, ATTENTION HOME-BUYERS AND SELLERS...

... Federal Housing Administration {FHA} Mortgage Loan Programs Information Center. Help for America's Homeowners! How to make your home affordable?---

DO HAVE A REAL ESTATE PROPERTY FOR SALE IN THE  SOUTH FLORIDA AREA?We will assist you in securing the best financing program for your specific situation with lowest interest rate and least expensive closing costs possible.


We will help you find the property you're looking for,

we will provide you many options and you determine which properties you want to view and or choose to buy.

We will arrange a private showing at any property you want to see; and when you find a property you like,


We will help you prepare the offer with the terms, provisions, and addendums weighted in your best interest.

We will present the offer to the seller in your behalf, and then negotiate in your best interest to help you secure the property at the best possible price & terms.

We will always be available for you, throughout the entire purchase process, to answer any questions you might have.

You are not under any obligation at anytime to buy or build a property.Our fees being paid to us by the seller at closing. There is no cost to you!
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Commercial Real Estate Investing 101 By Antony - SOUTH FLORIDA Licensed Real Estate professional.

• How to get instant access to a professional team that will:
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The Fundamentals of a Successful Real Estate Wholesaling Business

1. Know How Lenders Evaluate Investment properties For Financing

2. Know what to send to the lenders to get a property pre-approve at first stage

3. Know what lenders like and dislike in commercial real estate Know how lenders assessing the strength of a borrower

4. Know how to get your lender to say Yes "You're Approved" Know how to select a lender with the best loan, the best interest rate, and the best service for you

5. Know the costs of getting in and getting out of a commercial loan

6. Know how to do a good executive due diligence, financial due diligence, and legal due diligence. Know what to expect on closing day, and what's on a closing statement?

 

Home-ownership offers immediate benefits and long-term value.

Homeowners accumulate wealth for the future while enjoying the benefits of a shelter that they can use

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Real estate offers more opportunities than any other type of investment.
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