DEALS O’ THE WEEK, INSURANCE TIPS

2013 OUR TOWN AND ALL AROUND COUPON BOOK
Now available! Get the Our Town and All Around coupon book for $28 Plus FREE shipping! A bargain for so many coupons!

The Our Town coupon book has around 1,000 coupons for Northeast Ohio area restaurants, fast food, drug stores, movies, golf courses, pizza, dry cleaning, wineries, entertainment and more! The Best coupon book available in the area! It’s like getting 1,000 Groupons, but all for only $28! Some restaurant coupons are good for up to $32 off! The book can pay for itself with just one coupon!

    HIGHLIGHTS


* RESTAURANTS – Restaurant coupons include the Boneyard, Slim & Chubbies, Hooley House, Cabana’s, Welshfield Inn, Chocolate Martini Bar, House of Blues, West Park Station, Yours Truly, Harry Buffalo, Pacers, Scrambler Marie’s, Willoughby Brewing, Casa D’Angelo, Quaker Steak & Lube, Punderson Manor, Oriole Cafe, Frankie’s Italian Cuisine, Joey’s, Houlihans, Rock West, Dino’s, and over 140 more!

* SAVE – The book will pay for itself after 1 or 2 coupons. It’s like finding a gift card on every page! Save thousands of dollars!

* FINE DINING – 160 Fine Dining Restaurants with savings of $10 or more. Most offer half off dinners for those dining alone! Some are valued up to $32 off!

* ENTERTAINMENT – Coupons for museums, tickets for local attractions, sport-related attractions, comedy clubs, and much more!

* LITTLE ITALYNEW this year is our “On the Hill”, a section of Little Italy restaurants such as La Dolce Vita, Maxi’s, Mia Bella, Il Baccio, Anthony’s, Guarino’s, and Primo Vino.

* BIRTHDAY COUPONS – FREE dinners on your birthday coupons.

* FAST FOOD/PIZZA/LOCAL RESTAURANTS – Over 450 “two for one” or “50% off” offers at fast food restaurants, pizza restaurants, and neighborhood favorites.

* WINERIES – 30 coupons for wineries from across Northern Ohio including Ferrante, Paper Moon, and Debonne.

* GOLF – Coupons for over 65 BOGO rounds of golf.

* MISC. COUPONS – Coupons for dry cleaning, tanning, IGA (five $5 off $20 purchase coupons), Bremecs, and much more! Get a $25 gift card at Discount Drug Mart or $15 gift card at Marc’s with the transferred prescription coupon in the book (have them honored as competitors coupons at pharmacies at Giant Eagle and others).

* Coupons good now through December 1, 2013!

Click here to order:
http://www.joethecouponguy.com/merchandise/index.htm


ALL YOU MAGAZINE
New Deal! Buy one All You magazine subscription get one Free! Get two subscriptions for $19.95! Each issue normally costs $2.99 each (sold at Wal-Mart). All You magazine has a bunch of coupons in it every month. The most in any magazine I’ve ever seen. The magazine has money-savings tips, lifestyle articles, recipes, and other stuff.
Click here for the BOGO deal: http://tinyurl.com/allyoubogodeal


ENTERTAINMENT BOOK
All books are $5 off plus FREE SHIPPING PLUS get and extra $2 off on-site through 11/11/12!

Click here:
http://tinyurl.com/ENTBOOKCOUPONGUY

ACE HARDWARE
Click here to get a 50% off coupon good on Saturday, Nov 24, 2012 for items under $30:
http://tinyurl.com/couponguycoupons

ALDIS
Apples – 3 lb bag – $1.99
Pears – 69 cents/lb (comes in 2 lb bag for $1.38)
Grapefruit – 5 lb – $1.99
Bananas – 39 cents/lb
Pomegranates – 59 cents
Pineapple – $1.49

CVS
Sparkle towels 8 pack – $4.49 after .50 coupon and $1 Extrabucks
Skippy $2.15 after .35 coupon and Lipton $2.60 after .40 coupon – get $3 in Extrabucks with $10 purchase.
Colgate MaxClean Smartfoam, MaxWhite or Maxfresh toothpaste 6 oz – Free after $2 Extrabucks and .75 coupon – limit 2 offers
Gillette Fusion ProGlide Razor 1ct – $1.99 after $4 Extrabucks and $4 coupon
Nature Made Vitamin D – $1.25 after BOGO sale and $1 coupon found at http://tinyurl.com/couponguycoupons

DISCOUNT DRUG MART

Bananas – 39 cents/lb
Fresh Express salad bag – 99 cents
Aloe Vera Juice – BOGO
Bic Multi-purpose light – 99 cents after $1 coupon


300250-0110-PnkPhtosIC

GIANT EAGLE
New Transfer Prescription Coupon! Check the Giant Eagle ad for a $1 off per gallon at GetGo gas stations when you transfer a prescription to the Giant Eagle pharmacy. I haven’t seen that coupon in a non-grand-opening ad in a looong time. It’s worth $30 when you redeem it for the 30 gallons you’re allowed at their GetGo stations.

Giant Eagle now accepts competitors coupons. Use even the $5 off $25 coupons and the like from other stores!

San Giorgio pasta portions – .75 after $1/2 coupon
Suave stylers – 6/$3 after six .50 coupons and 20 cents in Fuelperks (equals $6)
Sara Lee pies – $2.49 after $1 coupon
Crest – Free after .75 coupon
Baileys Creamer – Free after .75 coupon that was found at http://tinyurl.com/couponguycoupons

Pepperridge Farm bread – $1.34 after .40 coupon
Look for Halloween candy at 75% off.


Harbor Freight Tools Clearance Sale: Up to 80% Off

HARBOR FREIGHT

Look for sales ad with free LED flashlight coupon. Find tools 80% off and more.
Click here:
http://tinyurl.com/3tuj6d3

HEINENS
Perdue boneless skinless chicken breast – BOGO


On Sale Now at Joann.com

JC PENNEY
Want to know what happens when a business gets rid of coupons and focus on everyday low prices? Take a look at JC Penney. Sales have plummetted with that approach. People are creatures of habit and once you take away their trigger they will stop the behavior.
Click here to read more:
http://news.yahoo.com/j-c-penney-same-store-sales-plummet-26-120954828–finance.html

That being said they are having a clearance sale – up to 80% off. Check out the deal at http://www.jcp.com/clearance

JOANN FABRICS
11¢ flat rate shipping with no minimum purchase. Use promotion code VETSDAY in your online shopping cart. VALID TODAY ONLY! Sun., Nov. 11, 2012. It probably costs a few bucks to drive to and from the store, so free or low rate shipping can be worth shopping online.

Get $5 off a purchase of $25 -$49.99 with code MER327.
Get $10 off a purchase of $50-$74.99 with code MEY327.
Get $15 off a purchase of $75-$99.99 with code MRR327.
Get $20 off a purchase of $100-$124.99 with code THN327.
Get $25 off a purchase of $125-$149.99 with code TFH327.
Get $30 off a purchase of $150 or more with code TRY327.

Click here: http://tinyurl.com/7tm3lvd

KMART
Double $1 manufacturer coupons up to a limit of 5 with a $25 purchase in grocery or household items. Potential $10 off with five $1 coupons. Must have Shop Your Way Rewards card (free loyalty card).

Get a $25 gift card for transferring a prescription to K-Mart. Coupon in ad.

Earn reward discounts at Speedway with grocery, drug, and/or apparel purchase at K-Mart.
Spend $50 – $99.99 – get a coupon for 10 cents off per gallon – up to 15 gallons
Spend $100 – $149.99 – get a coupon for 20 cents off per gallon – up to 15 gallons
Spend $150 or more – get a coupon for 30 cents off per gallon – up to 15 gallons

KOHLS
Get $10 in Kohls cash with every $50 spent through 11/11/12.

MARCS
Blackberries – 6 oz – $1.25
Gala apples – 99 cents/lb
Pineapple – $1.99
Hahns cream cheese – 8 oz – 99 cents
Great Lakes cheese 6-8 oz – $1.50
St Albans suet – 63 cents
McCormick Vanilla extract – $1 after $2/2 coupon.

PETSMART
Get a $5 coupon with purchase of select Hill’s® Science Diet® or Purina® products.


RITE AID
Get the Rite Aid Video Values coupons at http://riteaid.adperk.com/. Watch short videos and get coupons!

Look for $25 gift card prescription transfer coupons in ad.

Robitussin Cold Relievers Liquid 4oz or Caplets 20ct – .33 after $5 UP reward with purchase of 3 and three $1 coupons found at http://tinyurl.com/couponguycoupons – limit 2 offers
Leggs or Hanes Pantyhose, Shapers, Socks , Tights, T Shirts or Underwear – Free after BOGO50% off sale ($3.49 items) and $5 UP rewards with purchase of 2 – limit 3 offers
Chapstick Lip Balm Medicated, Lip Moist, Cherry or Original .15 oz – .50 after $1 UP reward and $1/2 coupon – limit 4 offers
Ricola Throat Drops 19-24ct – .50 after $1 UP reward with purchase of 2 and two $1 coupons – limit 4 offers
Halls Cough Drops 30ct – .50 after $1 UP reward with purchase of 2 and two $1/2 coupons – limit 4 offers
Secret Deodoroant 2.6-3.25 oz – $1 after $1 UP reward on 2 and two $1 coupons – limit 2 offers
Rimmel Lasting Finish Blush (other Rimmel Cosmetics qualify) – $1.50 after BOGO50% off sale and $5 UP rewards with purchase of 4 and four $1 coupons – limit 2 offers
Air Wick Mini Candles 3 oz – $1 after $1 UP rewards on 2 and $2/2 coupon
Nestle Carnation Evaporated Milk 12oz – .40 after $2 UP rewards with purchase of 5 and two .50/2 coupons
- limit 3 offers
Rite Aid Pantry items – $1 – buy $5 worth get $2 UP rewards
Gift cards – get $3 or $5 UP rewards with purchase – includes Best Buy gift card that is no longer available at Giant Eagle


Shop SallyBeauty.com!

SALLY BEAUTY SUPPLY
Shop between Nov 1 – 21 and get a $5 coupon with $20 purchase for Thanksgiving weekend.
Click here to shop and to see their monthly flyer:

http://tinyurl.com/SALLYCOUPONGUY

SAVALOT
Celery – 69 cents each
Sweet Potatoes – 29 cents/lb
Mrs Smiths pies – $1.49 after $1.50 coupon
Apples – 5 lb – $3.99
Collard, Mustard, Turnip or Kale Greens – 2/$1
Dole Greener Selection or Classic Romaine – $1.49


30-70% off Sears Outlet Appliances

SEARS OUTLET
5 Piece Craftsman Screwdriver set – $4.99

Click here: http://tinyurl.com/6rrzcw4


Sears Outlet Deal of the Day


SUN PLUM MARKET
Bananas – 35 cents/lb
Calavo Tortilla Chips – 99 cents
Onions – 3 lb bag – 79 cents
Pineapple – $2

TOYSRUS
Look for free $10 gift card with every $75 spent coupon in ad.


ULTA BEAUTY
Look for $5 off $10 purchase coupon in ad. Also get haircut, accent highlight, and style for $55 ($120 value).

VALU KING
Get these items free with coupons in ad and $10 or more purchase:
Campbells cream of mushroom soup and Freshlike vegetables

Mrs Smith pies – $1.18 after $1.50 coupon
Brocolli – 99 cents each
Valu Time cream cheese – 99 cents
Turkey Hill ice cream – 48 oz – $3.25
Baby cut carrots – 99 cents
Mushrooms – 8 oz – 99 cents


WALGREENS
NEW PROGRAM! Join Balance Rewards to earn points on thousands of items, including every prescription and immunization. Purchase items in-store or online to earn points. Redeem points for dollar rewards that you can get instantly at the checkout.
Click here to get enrolled:
Walgreens Reward Program

• Save on sale items with card
• Get 500 points for every prescription and immunization
• Earn points on thousands of items each week
• Get 10 points for every mile when you Walk with Walgreens
• Redeem instantly with as few as 5,000 points

Points System
5,000 – earn $5
10,000 – earn $10
18,000 – earn $20
30,000 – earn $35
40,000 – earn $50

Duck bubble wrap – $1.99 after $1 coupon
Eggs – $1.29
Robitussin 4 oz or 20 ct – Profit after BOGO50% off sale and 5000 points with purchase of 6 $3 coupons
Glucose Quick Sticks 12 ct – Free after Mail in Rebate found in November Savings Book
Magnilife Diabetic Foot Cream 4 oz – Free after $10 Register reward
Dry Idea Deodorant 3 oz – .50 after purchase of 2 with $2/2 coupon in November Savings Book and $3/2 coupon found at http://tinyurl.com/couponguycoupons
.
Cover Girl Eye Shadow – .65 after BOGO50% off sale and 3000 points with purchase of 8 and 4 $3/2 coupons
Dove Body Wash or Soap – $1.52 after 20% Off sale and 5000 points with purchase of 3 and three $2 coupons found at http://tinyurl.com/couponguycoupons
Bausch & Lomb Renu Sensitive 12 oz – $1.99 after $5 Register rewards and $2 coupon found at http://tinyurl.com/couponguycoupons
Right Guard TD5 Deodorant 2-4 oz – $1 with purchase of 2 and two $2 coupon in November Savings Book
Dimetapp 4 oz, – $1.79 after BOGO50% off sale and 5000 Points with purchase of 6 and six $1 coupons
Scunci Hair Accessories select varieties – .99 after $2 Register reward
Secret Deodorant – .88 after BOGO50% off sale and 3000 points with purchase of 10 and 10 $1 coupons
Revlon Cosmetics and Beauty Tools – $1 for tweezers after BOGO50% off sale and 2000 ponts with purchase of 2

$30 off Photo Orders $60+
Coupon Code: THIRTYOFF60
End Date: 12/1/2012

11 cent 4×6 Prints on order of 50+

Coupon Code: PRINTSFOR11
End Date: 11/17/2012


$10 off Photo Books and Gift Orders of $20+
Coupon Code: TOPGIFT
End Date: 11/17/2012

33% off SDPU Photo Cards
Coupon Code: CARD2STORE
End Date: 11/17/2012

Buy 3 Card Sets, Get a Free 8.5×11 Calendar
Coupon Code: 3GETFREE
End Date: 12/1/2012

25% off Photo Orders
Coupon Code: ORDER25PHOTO
End Date: 12/1/2012

Click here: http://tinyurl.com/cpu4c24

CLASS SCHEDULE
Learn how to save a ton of money at one of my classes! Learn how to save 70% and more grocery shopping and over 90% toiletry shopping. Also find out how to save money on restaurants, utility bills, cell phones, travel, gas, prescriptions, and tons more! To view my upcoming class schedule please go to: http://www.joethecouponguy.com/schedule/index.htm

If you’re interested in booking a class for your organization, please contact me at joe@joethecouponguy.com.

Be sure to register for libraries that require registration as many have waiting lists. I hope to see you there!

November
Tuesday, November 13, 2012 – Noon – Columbus Community College
Tuesday, November 13, 2012 – 6:00 PM – Wadsworth Library

January
Wednesday, January 16, 2013 – 7:00 PM – Lake County News-Herald – Willoughby
Wednesday, January 23, 2013 – 7:00 PM – Strongsville Library


Print Free Coupons

COUPONS.COM
Get these coupons and over 200 more on Coupons.com. Most all stores take internet coupons. They will double at stores as per their rules – Giant Eagle, Dave’s Supermarket, and Buehlers doubles coupons of 99 cents and less. Get them before they disappear!

Get these coupons and more:
Renu – $2
Delallo Organic pasta – $1
Purina Cat Chow – 99 cents
Starbucks – $3/2
Renuzit Tempting Indulgences – .75/2
Dial soap 8 bar pack – $2/2
Muir Glen product – .50
Campbells 100% Natural Soup – .75/2
Smuckers toppings – .75
Eagle Brand sweetened condensed milk – .50
Cool Whip – $1/2
Planters – $1
Kraft Cheese – $1/2
Sargento Cheese snack – .55
Bakers Chocolate – .50
Milky Way bars – Buy 2 get 1 Free

Click here to print the coupons: http://tinyurl.com/couponguycoupons


BEST DEAL MAGAZINES
Find these limited time deals below and tons of other magazine subscription deals on their site.

Weekly deals for annual subscriptions:

Take an Additional 20% Off Shape Magazine. Enter coupon WKLYSPEC During Checkout.

Take an Additional 20% Off Autoweek Magazine. Enter coupon WKLYSPEC During Checkout.

Daily Deals for annual subscriptions:

Cat Fancy Magazine Just $5.89 for 1 Year at Best Deal Magazines, November 12th Only (Find coupons and save even more!)

Trailer Life Magazine Just $5.29 for 1 Year at Best Deal Magazines, November 13th Only (Find coupons and save even more!)

Family Fun Magazine Just $3.99 for 1 Year at Best Deal Magazines, November 14 Only (Find coupons and save even more!)

Alternative Press Magazine Just $5.29 for 1 Year at Best Deal Magazines, November 15th Only (Find coupons and save even more!)

Woodcraft Magazine Just $6.49 1 Year at Best Deal Magazines, November 16th Only (Find coupons and save even more!)

Family Handyman Magazine Just $10 for 1 Year at Best Deal Magazines, November 17th Only (Find coupons and save even more!)

Everyday Food Magazine Just $5.29 for 1 Year at Best Deal Magazines, November 18th Only (Find coupons and save even more!)

Deal of the Day valid only on date specified through Midnight EST.

SALE AT BEST DEAL MAGAZINES. SEASON OF SAVINGS AT BEST DEAL MAGAZINES. Take An Additional 15% Off at Best Deal Magazines. Enter Coupon Code PXCJ1118 During Checkout. Offer expires November 18, 2012. 250+ Magazines under $10 with this coupon! 70+ Popular Magazines – Just $3.99 with this coupon! 30+ Popular Magazines – Just $5.24 with this coupon!

TAKE AN EXTRA $5 OFF $30 ORDER COUPON. Take an Extra $5 off $30 at Best Deal Magazines. Enter Coupon Code MNDCJ1118 During Checkout. Offer expires November 18, 2012.

TAKE AN EXTRA $7.50 OFF $40 ORDER COUPON. Take an Extra $7.50 off $40 at Best Deal Magazines. Enter Coupon Code MQQCJ1118 During Checkout. Offer expires November 18, 2012.

TAKE AN EXTRA $10 OFF $50 ORDER COUPON. Take an Extra $10 off $50 at Best Deal Magazines. Enter Coupon Code MQPCJ1118 During Checkout. Offer expires November 18, 2012.

TAKE AN EXTRA $15 OFF $70 ORDER COUPON. Take an Extra $15 off $70 at Best Deal Magazines. Enter Coupon Code MTKCJ1118 During Checkout. Offer expires November 18, 2012.

Take an additional 17% off.

USE Coupon Code: TICKET
Sale Ends November 11, 2012

Click here: http://tinyurl.com/yegw9yq


DISCOUNT MAGAZINES
Get these deals and more on their site for annual subscriptions.

Daily Deals for annual subscriptions:

Thu, Nov 8, Subscribe to Golf Digest & Golfweek Magazines Bundle, just $8.99/year (77% off) from DiscountMags.com! Use Promo Code: 9571

Fri, Nov 9, Subscribe to Cookbook Digest Magazine, just $9.99/year (58% off) from DiscountMags.com! Use Promo Code: 3977

Sat, Nov 10, Subscribe to Weight Watchers Magazine, just $4.50/year (67% off) from DiscountMags.com! Use Promo Code: 4422

Sun, Nov 11, Subscribe to Decorating Digest – Craft & Home Projects Magazine, just $9.99/year (62% off) from DiscountMags.com! Use Promo Code: 8260

Mon, Nov 12, Subscribe to Inc & Fast Company Magazines Bundle, just $8.99/year (52% off) from DiscountMags.com! Use Promo Code: 1609

Tue, Nov 13, Subscribe to Country Magazine, just $3.99/year (77% off) from DiscountMags.com! Use Promo Code: 1551

Wed, Nov 14, Subscribe to Urban Farm Magazine, just $4.50/year (70% off) from DiscountMags.com! Use Promo Code: 9506

Save 10% on Magazine Subscriptions at DiscountMags.com! Use code: HOLIDAY10

Get Free Shipping on Any Order (No Minimum) at DiscountMags.com!

Amazing Magazine Subscriptions with No Sales Tax at DiscountMags.com!

Save $10 OFF your order of $50+ from DiscountMags.com! Use code: 10OFF50

Subscriptions are NOT subject to automatic renewal.

Click here to order:
http://tinyurl.com/73w5gtx


GRAVEYARD MALL
I don’t know what in the world this stuff is, but it’s on sale and would make a great gift for the person with everything.
Tiffany-style Snowman Teapot Lamp – $79.99 value for $19.99
Tonbo Square Dragonfly Hand Painted Charger Plate – $267.00 value for $26.69
Trek 10 x 12 foot Family Dome Tent with Rain Fly (sleeps up to 8) – $165.00 value for $59.99
LivingXL by Terraillon Extra-Wide 440lb Tempered Glass Scale – $99.99 value for $14.99

Click here: http://tinyurl.com/6lr3ouz


DEAL CHICKEN
50% off salon and spa services from Emily’s Petite Salon & Spa – $75 value for $37.50

50% off delicious food from Mr. Chicken – $29.74 value for $14.50

50% off at Play It Again Sports – $30 value for $15
50% off at Niko’s Greek Grille Cafe – $30 value for $15
Up to 80% off warm-weather touchscreen gloves including shipping – $40 value for $11!

Click here:
http://tinyurl.com/8owtruf


bracelets

SAVEOLOGY
Great deals on gift cards!:

$10 for $20 ExxonMobil Gift Card.
$5 for $10 Domino’s Gift Card.
$5 for a $10 Brinker International Gift Card.
$7.50 For A $15 Rainforest Cafe Gift Card.
$5 for $10 Gift Card to Hot Topic.
$7.50 for $15 Payless Gift Card.
$3 For A $10 Boston Market Card.
$7.50 For A $15 iTunes Gift Card.

$5 For A $10 Papa John’s Gift.

Click here:
http://tinyurl.com/955wh85

VETERANS DAY OFFERS
Click here to find the Veterans Day 2012 offers for Veterans, active military, and other related personnel:
http://joethecouponguy.com/blog1/2012/11/04/deals-o-the-week-veterans-day-offers/


KAYAK
Kayak.com, one of my favorite travel deal sites, is being bought by Priceline for $1.8 billion. The purchase price per share was $40. It was $31.04 before the offer was made.


Be rewarded the Web's Premiere Rewards Site

GROUPON
Groupon’s stock dropped to $3, an 85% drop since it has been on the market. As I mentioned before I think initially people made money with the $10 credits they offered, but now that dried up with everyone already signed up to Groupon. Many businesses are reluctant to sign up now too. Investors feel they have hit their peak so they will have to try something new to create interest again and new growth.


INSURANCE
Those that live in the area affected by Hurricane Sandy were jolted by the effect of the storm and it’s after-effects. Some are also suffering because they didn’t have insurance, especially flood insurance. I’ve heard many stories from renters and home-owners that decided to get rid of their insurance because they couldn’t afford it. In tough times that can happen. Some are now wishing they scrimped on non-essentials instead of foregoing insurance. In an instant many of these folks lost their home and everything in it that took a lifetime to earn.

Shop around for insurance. You may be surprised at the differences in prices. We shopped our home and car insurance a few years back and are now saving $800 a year! It’s easy to get comfortable with who you have because you are afraid to switch. Doing your homework will make you comfortable switching. Ask others who they use and if they recommend their insurance company before you switch or get insurance. Be sure they will take care of you when you need them. Ask them if they will raise rates after one claim. You may have never had a claim with your current insurer. It doesn’t mean that they won’t rake you when the time comes when you need them.

Don’t think insurance is an unneeded expense. Instead of taking a chance that could take decades to recover financially, at least get basic coverage for your home, car, life, and health. Same goes for renter’s insurance. Avoiding risks will give you peace of mind.

Here are some tips on insurance:

- Your credit rating will affect how much your insurance will cost. Insurers know that people with poor credit make more claims than those with good credit according to data studies. Get your free credit report online at http://www.annualcreditreport.com or call 1-877-322-8228.

- Have a problem with an insurance claim? Call the Ohio Department of Insurance at 1-800-686-1526. The fraud hotline is 1-800-686-1527. The most complained-about insurers can be found on http://www.ohioinsurance.gov/ConsumServ/Ocs/OCSRatios.htm.

- If you raise your home insurance deductible to at least $500, your homeowner’s policy cost typically decreases by 12%. If you raise your deductible to $1,000, you can save around 25%.

- Home Value Insurance is offering insurance to guarantee the value of your house. It’s initially being offered in Ohio . The policy typically charges $20 a month for every $100,000 of home value.

- After 2004’s hurricane season, seven insurers stopped writing policies in Florida . Many have gone bankrupt. Thus insurance has increased for those in hurricane-prone areas. Before purchasing a home, be aware of the climate dangers around you – flooding, tornadoes, earthquakes, etc. Having appropriate insurance for your assets could possibly save you tens of thousands if not more should something disastrous happen. Go to http://www.floodsmart.gov to see your flood risk level and tips on flooding. Flooding is the number one natural disaster risk. The nationwide average for flood insurance coverage is less than $500 annually. Some states and the federal government subsidize insurance companies just so there are companies that will offer insurance in their state.

- Seek insurance coverage not only for the house itself, but also the contents inside of the home. Take pictures of your property and have it stored by your insurance company so that they can authenticate the contents of your home. Give them a list of items that need to be insured.

- Go to http://www.insweb.com , http://www.accuquote.com, http://www.findmyinsurance.com, http://wwnetquote.com, http://www.selectquote.com, http://www.answerfinancial.com, or http://www.insure.com to find the best rates for various insurance needs, including car insurance.

- Go to http://www.knowyourstuff.org to download software to create an inventory of household belongings for insurance purposes. Make sure your home insurance covers the house and the belongings in it. Give your insurance company a copy along with a trusted friend or family member.

- Some homeowner insurers will cut premiums by 5% if you’ve been with them for three to five years. Beyond five years, a 10% discount may be earned. Inquire with your insurance company.

- Some homeowner insurance companies will reduce the rates for those 55 and over. Ask them about the discount.

- Some homeowner insurance companies will lower rates if smoke detectors, burglar alarms, disaster preparedness systems, central monitoring stations, or dead-bolt locks are used. Discounts are also available for living in gated communities, having updated plumbing and electrical systems, and for repeat customers. Check to see if your community offers free smoke detectors. On a regular basis, make sure your smoke detectors work and the batteries are good.

- The percentage of premiums paid out to policyholders as benefits was 54.6% in 2007, far below the 75% level in the 1980s. Insurance may not cover as much as it did in prior years, so before purchasing a home check to see if the area is too high risk as compared to others.

- Consider getting earthquake insurance. As of 2007, Ohio had 55 quakes in the past decade. That’s roughly the same as in the previous 30 years according to figures at the Ohio Seismic Network. I even got earthquake insurance! Too many oddball earthquakes in the area, especially with fracking known to cause them.

- Consider getting insurance for other non-standard items including pest infestations, jewelry, flooding, and injuries caused by pets.

- Check insurers’ complaint ratios at http://www.naic.org.

- If you need help determining your insurance needs and have questions regarding insurance, go to the Insurance Information Institute’s web page at http://www.iii.org or http://www.unitedpolicyholders.org.

- Buy auto and home coverage together. Some insurance companies offer discounts, usually 10%, if you sign up for both. Insure wedding rings or any other items to get even better bundled rates.

- Wells Fargo, Nationwide, and other companies offer better rates for their long-time customers. Ask the companies you do business with if they offer any deals.


TOP TEN POST ELECTION PLANS
10) Use metal frame from old political signs to electrically rewire house.

9) Be on the ready to recount ballots using abacus I got as a child back in ’78 as a lame birthday gift.

8) Use heaping pile of political junk mail to insulate house.

7) Persist on finding out why I wasn’t endorsed by local newspapers as a write-in candidate for Emporer of my street.

6) After doing well taking robo-calls for months, take my answering machine on a well-deserved vacation.

5) Skip watching TV shows and watch regular commercials for nights on end.

4) Console losing candidates with ice cream sundaes and leftover Halloween candy.

3) Do my own polling after people exit bathroom.

2) Turn my attention to harnessing political rhetoric as a renewable source of energy.

1) Instead of getting in line for Black Friday deals, get in line to vote for next year’s elections in Florida.

VERMONT TEDDY BEAR
Half off customized bears from Vermont Teddy Bear Company — two options!

Click here: http://tinyurl.com/6ego57m

LEGOS
$14 for a Lego-inspired space shuttle set (save 79%).

Click here: http://tinyurl.com/6ego57m


PEACE, LOVE, AND LITTLE DONUTS
At Peace, Love and Little Donuts get $10 to Spend on Donuts, Drinks, and Merchandise (Pay $5), or One Dozen Funkadellic Donuts (Pay $6). Located at Kamm’s Plaza.

Click here: http://tinyurl.com/d7k6fy3

VALVOLINE
Get a full-service conventional oil change and maintenance inspection for $19 (a $39 value) at Valvoline stations.

Click here: http://tinyurl.com/d7k6fy3

CANTON CLASSIC CAR MUSEUM
At Canton Classic Car Museum get an Admission for Two for $7 or Four for $15.

Click here: http://tinyurl.com/d7k6fy3

GUCCI
Yes, even Gucci bags are on sale on a daily deal site.

Click here: http://tinyurl.com/d7k6fy3


GROVEWOOD TAVERN
At the Grovewood Tavern in Cleveland pay $39 for a Three-Course Global Dinner for Two (Up to $82 Total Value). The dinner, valid Sundays through Thursdays, includes:
•One appetizer (up to a $16 value)
•Two entrees (up to a $29 value each)
•One dessert (up to an $8 value)

Click here: http://tinyurl.com/4bqn6dt

CHRISTMAS STORY HOUSE
Almost as good as a BB gun, get tickets to see the house where A Christmas Story was filmed on the near west side of Cleveland in Ohio City.
•$10 for admission to the house and museum for two (up to a $20 value)
•$20 for admission to the house and museum for four (up to a $40 value)

Click here: http://tinyurl.com/4bqn6dt

BURGER NUTS
At Burger Nuts in Willoughby pay $6 for $12 Worth of Burgers and Milk Shakes.

Click here: http://tinyurl.com/4bqn6dt

SAILPORT WATERFRONT SUITES
At Sailport Waterfront Suites in Tampa get a One- or Two-Night Stay for Four with Options for Massage and Store Credits starting at $74. Combine Up to Eight Nights.

Click here: http://tinyurl.com/4bqn6dt

CARRABBAS
Click here to get a $10 off purchase of 2 entrees coupon:
http://tinyurl.com/couponguycoupons<

OPENING
Burgers and Beer – Coventry – same as location in downtown Willoughby
Emporers Palace – 2136 Rockwell Ave in Cleveland’s original Chinatown


CLOSING
Nova Bar & Grill – West 6th downtown Cleveland


GOOD MORNING CLEVELAND
Check out the above segments that aired on Good Morning Cleveland. One was on natural gas/electrical suppliers and the other is on offers for freebies and discounts for Veterans and active military to honor them for Veterans Day.

Click here: http://www.newsnet5.com/dpp/money/consumer/consumer_specialist/joe-the-coupon-guy-shows-veterans-and-active-military-how-to-save

WELW
Listen at 7:18 AM on Wednesdays to WELW 1330 AM as I go over the deals of the week on the Wake Up Lake County Show. Go to http://www.WELW.com to listen to old podcasts or to listen live.

FACEBOOK
Like The Coupon Guy and get other deals during the week on Facebook at:
http://www.facebook.com/pages/Joe-The-Coupon-Guy/197073886914

Joe
http://www.joethecouponguy.com


Find Local Deals 50% - 90% Off

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