James L. Paris's Blog, page 209
June 29, 2015
7 Ways To Lower Your Auto Insurance Bill
The cost of auto insurance can vary widely based on a large number of factors. It is easy, however, to get in a rut and simply pay the bill month after month without considering other options.
7 Ways To Lower Your Auto Insurance Bill
1. Ask For A Discount
Many times you don't even have to move your coverage to another company to save money. If you simply contact your current insurance carrier and let them know that you are about to start shopping them out, there is a good chance they will offer you a discount. For this call to be effective, you should have at least a couple of other superior quotes to what you are currently paying. This is a great article below that points out that many auto insurers have a 'loyalty' program - one that costs you for being loyal and not frequently shopping for a better deal!
2. Drop Collision And Comprehensive On Older Vehicles
Many people don't understand that although it is a requirement to carry liability insurance, collision and comprehensive are optional. This is the component of your policy that covers damage to your own car. If the value of your vehicle is in the $3,000 to $5,000 range, you might want to consider dropping collision and comprehensive. The thought here is that once the value of a vehicle has dropped to this level, the cost of this component of your policy is cost prohibitive. Even a somewhat minor accident would likely lead to the car being considered 'totaled.' This means that the amount you can collect from your insurance carrier is limited to the point, that it is usually a better value to not to carry collision and comprehensive on an older car. (Note: If you are still making payments on your vehicle, your lender will not allow you to drop the collision and comprehensive coverage).
3. Get Rid Of The Bells And Whistles
When shopping for coverage, avoid costly extras that will add unnecessary cost to your policy. Towing and rental car benefits are nice, but deluxe features like this are usually not a good value.
4. Consider Letting Big Brother Monitor Your Driving
Some auto insurers will offer you a nice discount if you agree to have an onboard tracking device in your vehicle. The device will track things like the number of miles you drive, how quickly you accelerate and decelerate and other factors to determine your 'road risk.' While it does seem a bit intrusive, the device is simply collecting statistics known to be reliable measurements for driving safety.
5. Use The Internet
The Internet has made shopping for a lot of things much easier, and auto insurance is no exception. One option is to get on the phone and start dialing for dollars, but a more efficient way to shop is online.
Here are four sites to use to do your online shopping.
1. Nerd Wallet
2. Esurance
3. Netquote
4. The Zebra
6. Carry Higher Deductibles
Agreeing to be responsible for the first $1,000 of damages to your vehicle can pay big dividends. Moving from a lower deductible to $1,000 can result in a savings of 30% or more.
7. Don't Skimp On Liability Coverage
It might be tempting to lower your liability coverage, but most prudent advisers would suggest no less than 300/500 policy limits. This means that the amount your policy will pay is $300,000 maximum to a single person and $500,000 maximum overall in one accident. Here is a really good article on auto insurance liability limits. Along these same lines, you should always carry uninsured motorist coverage (especially these days with the large number of uninsured drivers on the road).
What is your best strategy to save money on auto insurance? Use the comments section below and we can start a conversation.
Helping you make the most of God���s money!
James L. Paris
Editor-In-Chief ChristianMoney.com
Follow Me on Twitter Twitter.com/jameslparis
Christian Financial Advice
Jim Paris 24 Hour Radio
June 28, 2015
Amazon's Secret Hidden Deals
A few months ago I discovered the Amazon Warehouse, a section of the Amazon.com website for open box and slightly used items. Amazon does not generally include products from its warehouse in the general search results from it homepage. So, how do you find Amazon Warehouse Deals? The easiest way to do so is to simply bookmark this link - Amazon Warehouse.
As an Amazon Prime member, I do most of my online shopping at Amazon. What I love about the Amazon Warehouse is that I still get my Amazon Prime free shipping. Also, if I am unhappy with a purchase, I can return the item (Amazon's regular return polices apply).
Whenever I am browsing to make a purchase at Amazon, I always start in the Amazon Warehouse. I have bought countless items and have never had a problem or needed to return anything. This is because most of the merchandise in the warehouse is discounted simply because of damaged packaging. Unless I am gifting an item, I really could care less if the product packaging is damaged. After all, it is only going to end up on the side of my house in the garbage bin anyway.
Please use the comments section below to share your own experience about buying from the Amazon Warehouse, and we can start a conversation.
Helping you make the most of God���s money!
James L. Paris
Editor-In-Chief ChristianMoney.com
Follow Me on Twitter Twitter.com/jameslparis
Christian Financial Advice
Jim Paris 24 Hour Radio
June 27, 2015
Free Book On Home Defense
I just picked up this free book on home defense. All they ask is that you pay for the shipping. I am a big believer in self defense and this book focuses on defending your family from a home invasion.
From the author - Legally Concealed brings you the hardest-hitting book to date on the reality of a violent encounter, how to survive it, and to keep on living after it. This book is everything that shooting and self-defense instructors don't readily tell you but you absolutely have to know. From who you are up against to dealing with the aftermath of having to kill defending your life, Legally Concealed's president EJ Owens tells you like it is.
This is a no-holds-barred look at what it takes to be victorious should you come face-to-face with an attacker hell bent on taking your life. EJ uses his unique down-to-earth approach to put into perspective the mental and emotional toll a life-threatening event demands from you. COUNTERVIOLENCE is the definitive guide on how you have to defend, survive, and console yourself in the event of a violent encounter. Click Here To Get Your Free Copy
Helping you make the most of God���s money!
James L. Paris
Editor-In-Chief ChristianMoney.com
Follow Me on Twitter Twitter.com/jameslparis
Christian Financial Advice
Jim Paris 24 Hour Radio
If You See Me Using the Litter Box, Don���t Stare; I���m a ���Transspecies Feline���
by Robert G. Yetman, Jr., Managing Editor, The James L. Paris Report
At what point would my insistence that I���m a cat, as opposed to a human being, be deemed as lunacy, rather than a rational position on social and personal identity? Would the sight of me uttering only ���meows,��� cleaning myself with my tongue, using a litter box, sharpening my fingernails on a tree, and running around on all fours chasing mice���prompt you to immediately call 911 to say you���ve stumbled upon a straight-up lunatic���or would you instead wrap your intellect, including your powers of reason, inside the cloaks of tolerance and understanding, and let me go about my business as a ���transspecies feline?��� How you answer that second question might be a good test as to the limits not of your own inclination towards tolerance���but of your mental stability.
When a society allows the lines that define even the broadest, natural, inherent boundaries (i.e., I am a human being and not a cat, no matter how enthusiastically I engage in the behaviors typical of cats) to be blurred to an extent so great that irrational behavior is defended as being rational on what is either, in such a case, the highly disingenuous or grossly misguided basis of "tolerance," then all that remains is social anarchy; once social anarchy ensues, there IS no society...only madness, and we will have all become, at that point, veritable prisoners within a national asylum entirely of our own making.
June 26, 2015
Why Amazon Niche Sites Are Exploding In Popularity
One of the great things about Amazon is that it has EVERYTHING. This is also Amazon's biggest weakness as well. Many times people will find a site like Amazon more than a little overwhelming. If you are looking for a specific item, the large number of choices can make the process very confusing and time consuming. An additional problem for Amazon is that a niche site can easily rank higher in a given category in a search. For example, while Amazon does sell hammers, it would be much easier for a website that exclusively sold hammers to achieve a higher Google rank than Amazon. This is why people are building Amazon niche sites like crazy. What they do is to build a niche site and then simply list Amazon's products on their site. They get a cut of every sale and they are in essence operating as a mini version of Amazon. Take a look at the example below of a niche site on baby strollers for jogging. It is a beautiful website, and you would never know that it is simply operating as a mini Amazon! What's more, some people build sites like this and then turn around and sell them for big money (instead of taking the monthly income). I just bought a course on how to do all this called Also, for more information on making money from Amazon, check out my recent article
Please note that the Amazon Associates program is not available in Arkansas, Colorado, Maine, Missouri, Rhode Island, or Vermont.
Helping you make the most of God���s money!
James L. Paris
Editor-In-Chief ChristianMoney.com
Follow Me on Twitter Twitter.com/jameslparis
Christian Financial Advice
Jim Paris 24 Hour Radio
June 25, 2015
Social Media Jobs - A Great Part Time Gig
I am always on the lookout for unique opportunities, especially those that can represent a great part time income. There is a lady in my small town that does very well managing social media for a number of the local businesses. I have been looking around trying to find a good course on this topic that I can recommend. is a very interesting program. They even have a news segment from a local TV channel discussing the opportunity. Businesses owners understand that getting new customers today is no longer about buying an ad in the Yellow Pages, but having a good online presence. There is a way that you can turn this into a fantastic part time business. I also like the fact that they have a 60 day money back guarantee if you don't feel like the information was worth the money.
Helping you make the most of God's money!
James L. Paris
Editor-In-Chief ChristianMoney.com
Follow Me on Twitter Twitter.com/jameslparis
Christian Financial Advice
Jim Paris 24 Hour Radio
June 22, 2015
You Might Be Surprised At Jim's Comments About Reverse Mortgages
In the latest edition of the Christian Money Plus members-only podcast, Jim Paris addresses the subject of reverse mortgages from the plain-speaking, down-to-earth perspective that so many have come to value. You will hear some comments on reverse mortgages that will probably surprise you, including why Jim advised his own parents to obtain a reverse mortgage.
Other topics on this episode -
���the reality & implications of the involuntary part-time work force in America today���
...the continued, substantial risk of identity theft by way of ���old school��� methods���
���and the utility of RFID-blocking wallets & purses.
To hear this podcast in full, you must be a member of Jim���s premium information service, Christian Money Plus. Membership in Christian Money Plus entitles you to a variety of features, of which the ability to listen to new (and all historical) podcasts is only one; other benefits include access to The James L. Paris Report monthly, digital newsletter, recorded webinar trainings on a variety of personal finance subjects, unlimited online Q and A with Jim Paris personally *, and more! For additional information about Christian Money Plus, including how to become a monthly subscriber click on the link below.
* Excludes topics related to personalized investment, tax, and/or legal advice.
Is ISIS Preparing For A U.S. Attack? Author Dan Gordon Joins Jim Paris Live
Day Of The Dead author, Dan Gordon, joins Jim Paris Live. Gordon shares details on his novel, which he says is a warning to America. The scenario in Gordon's book has ISIS using existing drug smuggling tunnels from Mexico to reach southern California. Gordon also shares how ISIS generates millions each day to fund their operations, and why they won't stop until they have reached their goal of a worldwide caliphate.
The Pope Says You Are Not A Christian If You Own A Firearm
On this episode, Jim calls out the Pope on his statement about Christians being hypocrites if they 'support' the manufacturing of firearms. Jim shares why he believes that Christians should have no conflict in arming themselves to defend their family and community. How opportunists are already trying to exploit the Charleston shooting tragedy. A little known way that you can obtain your concealed weapons permit online. The country of Greece is on the brink of a financial collapse as tourists are warned, and runs on the banks begin. Is Puerto Rico America's Greece?
June 19, 2015
Chuck Norris At 75 - What You Never Knew About His Life And Faith
Preview Of The Latest Issue Of Our Member Newsletter
One of the great challenges for many in becoming skilled at managing survival-related crises���is finding an appropriate ���pace��� at which to become familiar with all that is necessary to know to navigate through distressed conditions. In the most recent edition of The James L. Paris Report, we share some thoughts regarding how to go about the process in a way that is useful���without becoming a burden, or otherwise more than that for which you might be prepared, presently.
Also In this issue:
The Historical Facts That Support The Resurrection Of Jesus
Chuck Norris At 75 - What You Never Knew About His Life And Faith
The One Insurance Policy You Should Have, But Probably Don't
Breaking The Rules When Applying For A Job
Attaining Critical Mass As A Video Blogger
Living On An Anti-Budget
Other features in the present issue of the Report include a discussion about easing into a minimalist lifestyle, as well as a look at the little-known, but very-important, topic of vacant home insurance. There���s much more, too, including Jim Paris��� most recent take on the world around him in his highly-regarded ���Perspective��� column, which remains a regular feature of The James L. Paris Report monthly digital newsletter.
The James L. Paris Report monthly digital newsletter is only one of many features enjoyed by subscribers to Christian Money Plus ��� other benefits include access to regular, members-only podcasts, webinar trainings on a variety of personal finance subjects, unlimited email-based Q&A with Jim and his staff *, and more! For additional information about Christian Money Plus, including how to become a monthly subscriber click the button below.
* Excludes topics related to personalized investment, tax, and/or legal advice.
