11 Secret Ways to Save on Your Homeowners Insurance

11 Secret Ways to Save on Your Homeowners Insurance
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You know you need homeowners insurance, but what you may not know is how many different types of discounts that your carrier offers. According to Bankrate.com, there are at least 11 types — and chances are, most will be a surprise to you.

That’s because, unless you seem like you’re about to jump ship and hand your money over to someone else, an insurance agent has no incentive to tell you about them. Agents typically are paid commissions on policies, so the more you pay, the more they make.

“They don’t really want to give that information out,” Crissinda Ponder, Bankrate.com insurance analyst, told DailyFinance. “They don’t have to, either. Some homeowners might not know they need to be asking these questions. It’s up to consumers to take the initiative.”

There are two main principles at work. One is that the less risk you s

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Walmart Wants You to Shop This Holiday Season, Starting Now

Walmart Wants You to Shop This Holiday Season, Starting Now
Sarah Bentham/AP


NEW YORK — Walmart is doing whatever it takes to rope in holiday shoppers however they want to buy.

For the first time, Walmart Stores Inc. (WMT) is offering free shipping on what it considers the season’s top 100 hottest gifts, from board games to items related to Disney’s hit film “Frozen,” starting Saturday. The move comes as rival Target (TGT) began offering free shipping on all items, a program that started late October and will last through Dec. 20.

Walmart is also planning to offer discounts, or what it refers to as “rollbacks,” on more than 20,000 items on a broad range of products, from groceries to TVs, starting Saturday. The timing is similar to last year, but the discounter said the assortment is broader. It’s also pulling forward by nearly a month 15 24-hour online deals originally reserved for th

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8 Ways to Save for the Holidays in the Next 8 Weeks

8 Ways to Save for the Holidays in the Next 8 Weeks

Are you ready for all the expenses that come with the holidays? Let’s make it a little less stressful by looking at eight ways to save in the next eight weeks.

1. Trim Your Budget

The quickest way to having more cash is to go through your budget and cut down on anything that’s unnecessary. Can you give up eating out for a month or two? What about going without getting your hair done? In the spirit of giving to others, try to temporarily cut down spending on yourself.

By simply asking your service providers for less expensive options, you may secure a discount or a reduced rate. I just did this with my phone bill. I had an unlimited data plan, and I switched to 3 gigs of data and cut my bill by 40 percent. The worst that can happen is that the company representative says no — but the best is you could save money on monthly bills just by asking.

2. Make Your Gifts


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‘SNL’s’ Michael Che Makes Absurdly Misguided Comments About Street Harassment

Comedian Michael Che’s job as a “Saturday Night Live” Weekend Update co-host is to poke fun at popular culture. But there isn’t anything funny about street harassment.

A social experiment video that went viral this week gave viewers a unique look at a woman experiencing harassment while in public. The video shows a female actress getting dozens of catcalls while walking around New York City for 10 hours. Che took to Instagram on Wednesday to weigh in on the video, but he seemingly made light of catcalling with a sarcastic apology to all the women he has said “hi” to or called “beautiful.”

i wanna apologize to all the women that ive harrassed with statements like “hi” or “have a nice day” or “youre beautiful”. i cant imagine what that must feel like. the closest thing I’ve experienced is maybe whe

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Disney Princesses With Realistic Waistlines Look Utterly Fabulous

What if Disney princesses had realistic waistlines? Well, they would look pretty fab. No doubt about it.

Buzzfeed’s Loryn Brantz decided to digitally edit six famous Disney ladies — Ariel (“The Little Mermaid”), Pocahontas (“Pocahontas”), Jasmine (“Aladdin”), Belle (“Beauty and the Beast”), Aurora (“Sleeping Beauty”) and Elsa (“Frozen”) — to show what the cartoon heroines would look like if they had more realistic physical proportions. After all, since these characters are supposed to represent people in films made for children, they should probably look more like real people, right?

“As a woman who loves Disney and has dealt with body image issues, it has been something I’ve always wanted to comment on, particularly after seeing ‘Frozen,’” Brantz told The Huffington

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Brittany Maynard, 29-Year-Old With Terminal Cancer, Explains Why She’s Delaying Ending Her Life

Brittany Maynard, who moved with her family to Oregon to access the state’s Death With Dignity law after being given a terminal cancer diagnosis, has decided to delay ending her life, she announced in a video posted on her website Thursday.

Maynard, who is 29 and was diagnosed with brain cancer earlier this year and given six months to live or less, had planned to die Nov. 1 by taking medication. But in her video message posted on her website, The Brittany Fund, she explained that “I still have enough joy and I still laugh and smile with my family and friends enough that it doesn’t seem like the right time right now,” she said. “But it will come because I feel myself getting sicker. It’s happening each week.”

She said that she’s still able to take walks with her husband, which brings her the “greatest feelings of health that I have t

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Adorable Boy And His Dog Coordinate Halloween Costumes Every Year

Five-year-old Henry Miller has a special Halloween tradition: He coordinates his costumes with his 8-year-old dog, Banjo.

Year after year, the pair have made an amazing team, with their costumes ranging from “Toy Story” characters to matching dragons. Before Henry was born, the Millers rescued Banjo the boxer and dressed her up for Halloween, mom Karen Miller told The Huffington Post in an email. So, when baby Henry came into the picture, “It just seemed like a natural progression to make them match!” she added.

The tradition stems back to Henry’s first Halloween, Miller said. “When Henry was a baby, I found a banana costume for dogs. So naturally, I had to make a monkey costume for Henry. It continued from there.”

Last year, Henry wanted to be a knight with two horses, so Gigi, the other family dog, joined in on the fun. As for this Halloween,

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If Groomsmen Acted Like Bridesmaids, This Is What It Would Look Like

If groomsmen acted like bridesmaids, this is what it would look like — or rather, what guys think it would look like.

In BuzzFeed’s new video posted Wednesday, the groomsmen get all “Say Yes To The Dress”-emotional when the perfect tux is chosen, celebrate the bachelor party with vagina straws and vagina cake and face the inevitable power struggle between the best man and the slighted bestie who thought he was going to be the groom’s pick. Watch it above.

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‘The Daily Show’ Rewrites Koch Industries Commercial That Runs During Show

‘The Daily Show’ Rewrites Koch Industries Commercial That Runs During ShowObservant viewers of “The Daily Show with Jon Stewart” may have noticed that the Comedy Central program has a new advertiser. No, not a video game or even a new flavor of Bud Light: a family-owned outfit out of Kansas is buying ad time during the influential comedy-news program. That company: Koch Industries.

You may have heard of Koch Industries when they were nominated for the initial rounds of the 2014 Worst Company in America tournament, defeating student-loan megalith Sallie Mae, but ultimately losing in the second round to Time Warner Cable. Or you may have heard of them because of the generous political donations that the brothers who control the company have given in recent years. Their political activities are very controversial, for reasons that are outside the scope of this blog post.

It’s clear that Koch Industries wants to present itself as a cuddly,

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10 Love Notes That Perfectly Sum Up The Modern Relationship

Romance today doesn’t quite look like the kind of thing you read in John Keats’ love letters or Shakespeare’s sonnets — far from it, actually.

Couples these days use profanity, less-than-subtle nods to their partner’s sexual anatomy and occasionally even the word “poop” to express their affection for one another. Below are 10 funny love notes that more accurately represent the modern relationship.

A sweet gift and a sexy promise:
10 Love Notes That Perfectly Sum Up The Modern Relationship
10 Love Notes That Perfectly Sum Up The Modern Relationship
Embedded via Imgur user DelightfulAsFuck

A compliment she’ll never get sick of hearing:
10 Love Notes That Perfectly Sum Up The Modern Relationship
Embedded via Imgur user manlymann

A compliment he’ll never get sick of hearing:
10 Love Notes That Perfectly Sum Up The Modern Relationship
Embedded via Imgur user JoshG90

A strong message best conveyed in fridge magnets:
10 Love Notes That Perfectly Sum Up The Modern Relationship
Embedded via Imgur user cdipping

A little bathroom romance:
10 Love Notes That Perfectly Sum Up The Modern Relationship
Credit: Ben Greenleaf

And a little more:</bi

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