Deal of the Day May 13, 2008

I have two for you today.

Deal 1:

I’m not much of a coffee drinker, but Dunkin’ Donuts coffee is the exception. Before I retired to stay at home with my son I’d go to DD every day to get me some yum. I think I’ll find myself there this Thursday…

On Thursday, May 15 Dunkin’ Donuts will be giving away FREE iced coffee. You can receive the free 16 oz regular or Berry Berry iced coffees from 10 am to 10 pm.

Dunkin’ Donuts is also partnering with the National Police Athletic League (NPAL), which supports underprivileged youth through education, sports, and leadership opportunities as well as various community service projects. Dunkin’ Donuts is donating $80,000 towards funding their Youth Leadership Program.

Go DD!

Deal 2:

Haagen Dazs is offering a free scoop of their new flavor, Vanilla Honey Bee, today only between 4-8pm.

Turns out there’s a Haagen Dazs shop just a few miles from my home and I didn’t even know it existed.  For shame!

Check back tomorrow for another great deal!

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Florida Residents: Save Money By Combining Citizens Policies

I called my old office last week to get a quote for insurance for my Dad’s new condo. I knew that State Farm would not let him move his policy from the house to the condo - the condo is right on the beach. I also knew he’d need a policy through Citizens Property Insurance Company, the state entity. What I didn’t know was that if you live in Florida and Citizens Property Insurance Company insures you separately for Homeowners and Wind coverage, you may save a bundle by getting these policies combined - something they didn’t used to do.

This could save some people a great deal of moolah.

First let me explain how we got where we are…

1970

The state of Florida started the Florida Windstorm Underwriting Association (FWUA) to provide Windstorm only coverage for people who could not find it through the regular market, specifically Florida’s coastal properties in Monroe County and the Florida Keys. Over time, the FWUA was expanded to include all or parts of 29 of Florida’s 35 coastal counties as insurers grew wary of insuring those properties closest to the coast.

1992

In the wake of Hurricane Andrew the insurance industry was in trouble. Several went out of business and the ones that remained decided to cancel large chunks of their policies to reduce their potential loss exposure in the event of another major hurricane. As a result there was a need to create another residual market for people that were being canceled, as no insurance company was accepting new policies. The people of Florida needed a policy similar to a standard multi-peril Homeowners policy. The Florida Residential Property Casualty Joint Underwriting Association (FRPCJUA) was created in 1992 and was structured similarly to the FWUA. At the same time insurers decided to expand their definition of “coastal” and began excluding windstorm coverage from homeowners policies for millions more. The FWUA was expanded to cover Dade, Broward, and Palm Beach counties, and Hillsborough and Pinellas counties followed a short time later.

So.

That left people with either:

  • FRPCJUA policy for multi-peril (Homeowners) and wind
  • FRPCJUA policy for multi-peril (Homeowners) and FWUA for wind
  • X Company for multi-peril (Homeowners) and wind (no change)
  • X Company for multi-peril (Homeowners) and FWUA for wind

Got it?

2002

Citizens Property Insurance Corp was created when the Florida legislature passed a law combining the Florida Residential Property and Casualty Joint Underwriting Association (FRPCJUA) and the Florida Windstorm Underwriting Association (FWUA). The organizations may have been combined but wind was still written as a separate policy for the next five plus years, so many people had/have a Citizens Homeowners policy AND a Citizens Wind policy. Two policies, two bills, two sets of paperwork (and some have a separate Flood Insurance policy, too!).

2007

On August 1, Citizens Property Insurance Corporation rolled out a new product: one policy that covers both windstorm damage and traditional multi-peril (Homeowners) coverage. The two-for-one coverage is in response to a change in Florida law designed to make Citizens more profitable and less vulnerable to the risk of a catastrophic event. According to Citizens, policyholders who combine their plans could see annual premium savings of up to 10% (When my Dad’s policy was quoted it was more like 20-30%, but his is right on the ocean). Citizens customers who have windstorm coverage through Citizens and multi-peril coverage from a private insurer may also take advantage of the new single policy.

The Bottom Line:

If you have any Citizens Windstorm policy call your insurance agent to see if you can take advantage of the new policy and see how much you’ll save. They don’t just do a price adjustment so you will need to have a new policy written. That means you’ll have to have money available to pay the new premium and then wait to get pro-rated refunds on the old policy(ies), or wait for renewal.

Either way better in your pocket than the state’s.

~

The preceding information is not advice, it’s just my thoughts and opinions. I’m just a girl on the web, not currently licensed in insurance or anything else in any state. You should absolutely seek the counsel of an insurance agent licensed in your state before taking any action at all. Coverages and programs discussed may or may not be available in your state.

Deal of the Day May 12, 2008

Even though I’m still upset about the turned-cuff socks

Coupon code EXTRA15OFF makes the great clearance deals at Old Navy even better by slashing an extra 15% off prices. Shop for items pulled from throughout the store in women’s, men’s, maternity, shoes, accessories, and kid’s. Expires 05/14/2008.

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Deal of the Day Mothers Day 2008

Happy Mother’s Day!

More ice cream!

TCBY is offering a free cone or cup for Moms.

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Network Solutions Can’t Multiply and Has Secret Pricing

When Husband started doing freelance work he set up a website for the business. We were referred by a friend to Network Solutions for our domain name and we purchased our domain name for five years. We did not shop around for price. At the time I didn’t completely understand or trust this whole web thing so I wanted to go with a company based a trusted referral.

Since then I’ve learned a great deal, but am an expert in no one’s eyes, especially my own. I know just enough to get myself in trouble.

Our domain registration is up this month, and Network Solutions haws been e-mailing me to remind me to renew. The e-mail included the renewal prices:

  • 1 year $34.99/yr
  • 2 years $29.99/yr
  • 3 years $24.99/yr
  • 5 years $19.99/yr
  • 100 years $9.99/yr

I was not impressed. Last year we signed up for a virtual server so we could do our own web hosting for ourselves and our clients. The prices for domain names with the company we use is far less than Network Solutions charges. A one year registration is only $14.95 for the year. Additional years are only $1 less, so we decided to switch the registration to our server company for one year.

I needed to contact Network Solutions to get an authorization code to complete the transfer. I had no issue with making the call as it’s a good protection against domain theft. Before I called, though, I wanted to see if Network Solutions would offer me the same price on their website. So I went to their website, signed into my account and started the process to get a price on a domain.

I was surprised to see:

Domain Name Price
jewbie.net Keep my information private $9.00/year

Huh. $9.00 a year? That’s much less than the $34.99 my renewal reminder offered. And notice there’s no asterisk pointing me to a disclaimer about that price… I thought perhaps it was a deal they offered when a client added a second domain.

I called Network Solutions and spoke to a very pleasant girl who informed me that the $9.00/year was for a 100 year registration and that I would discover that fact “later in the registration process”. While on the telephone with her I went further into the registration process and had to move three pages ahead before they were forced to tell me that:

Your Order Includes
Term
Your Price
Domain Name: jewbie.net 100 Year Domain Service* $999.00 REMOVE

Of course I had to use the drop down menu to see the single year price:

Your Order Includes
Term
Your Price
Domain Name: jewbie.net 1 Year $34.99 REMOVE

I have problems with this type of deceptive pricing, most of which I don’t need to explain to you.

And really. Can they not even multiply? Last time I checked 100 X $9.00 = $900.

I decided not even to get into it with the girl on the phone. I was going to be good. I wasn’t in the mood for a confrontation. I just informed her I was transferring my service and asked for the code.

Then she made me a “special offer” to renew my registration for only $15.00 for the year.

Oh really? Why wasn’t I offered this already? “Well,” she replied, “because you called. On the phone.”

Ahhhhhh.

I told her the same thing I tell car dealers and finance managers when they initially offer me a higher interest rate than I could get on my own and then, after being informed of the lower rate I had already secured on my own, offer to meet the lower rate.

“I don’t do business that way,” I told the Network Solutions girl. “If you aren’t willing to offer me the lowest rate from the start then you don’t deserve my business.”

The Consumerist is going to love this one. I think I have my first submission.

And Network Solutions has one less client.

The Bottom Line: Make sure you’re getting the best available price. Today that means checking the website and calling.

Deal of the Day May 10, 2008

Here’s the second photo giveaway this week. Perfect for Mother’s Day, too!

CVS will give you a free 5×7 AND a free 8×10. Just go to their website, upload your pictures and add 1 5×7 and 1 8×10 to your cart. Select in-store pickup and payment. Enter promotional code ENLARGE at checkout and the final charge will be zero! I just did it and it worked for me! The offer is good only until May 17th, and only one deal per account.

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Deal of the Day May 9, 2008

This is one I’ll definitely be using!

Stride Rite is having their first ever Friends and Family event.  Use this coupon to get 20% off any regular priced item or 10% off any sale item.  Only good in-store, expires May 11, 2008.

Son needs a new pair of shoes!

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Deal of the Day May 8, 2008

I haven’t shopped in this store in years, but I’m sure others do.

Express and Express Men offer this coupon for 15% off your purchase through May 20, 2008.

Dress well!

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Deal of the Day May 7, 2008

Hmmm. I hope this trend will grow…

Nine Inch Nails is offering a free download of their new album, The Slip, in its entirety. After submitting your email address, you’ll receive a link that will take you to the download. It’s available in multiple DRM-free formats, including MP3, FLAC, 24/96 WAVE, and more. Also included is a PDF with the album artwork. Offer ending unknown.

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Check back tomorrow for another great deal!

Deal of the Day May 6, 2008

Man, I really wish I was a nurse.  This week, at least…

If you are a nurse, or if you know any nurses, be sure to tell them about Cinnabon’s Free Bun Offer for Nurses. Nurses just need show their healthcare ID and they get to enjoy a yummy, gooey Cinnabon Classic roll for free t participating Cinnabon locations.  It’s in honor of National Nurses Week, May 5-11.  Offer expires May 11, 2008. You need to show your card in order to get this freebie. Pass it along!

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