November 2020

How Much Do I Need to Spend on a Gaming PC?

Generally there is no right or wrong answer. Some of your more devoted gamers will spend well into the thousand dollar range. However, to get a well working PC that can handle most of the latest games, you do not need to spend that much. The variance will depend on how frequently you want to upgrade and whether getting top of the line makes a difference to you or not. There are different philosophies on the matter.

#1: Upgrade to the latest model

This is one of the recommended philosophies. I see most of the technology geeks really having this viewpoint. The idea is that if you have the latest model / technology then you are less likely to run into problems later on down the line with upgrades or software changes. While this is true, you are also going to be paying a premium amount for the latest technology inside of a gaming PC.

#2: Buy technology just below the price jump

This is generally my recommended mark. What you will find is that companies are always coming out with new hardware. They know they have a solid base of consumers who are always looking to buy the next up and coming piece of hardware they have come out. So generally, what they try to do is get rid of their older technology quickly. What you will find is that if that slightly older technology (CPU, Hard Drives, Motherboards, etc) is well stocked the companies will lower their prices in order to get rid of it quicker.

The benefit is yours! You get a slightly less efficient PC, but for a considerably less price. The PC in most cases well capable of playing the latest games that are out on the market. The downside to this is that those components are going to become obsolete faster. By the time the latest technology reaches the “price jump” point your hardware will probably be obsolete. So while others might be able to use their computers a little bit longer, you will be forced to go through another upgrade.

Ideally, you should look at the game you are upgrading for and determine your components that way. For games, your hard drive space is less important than your video card. Also, your motherboard is less important than your RAM. Those are some things to keep in mind if you are looking for ways to save money in your budget gaming PC build.…

Many people purchase homeowners insurance because it is required by mortgage companies. You know that the policy protects the building and contents of the home in the event of a covered loss, but you may be unaware of the additional protection afforded by the liability portion of the policy. There are three important things that liability insurance protects you and your resident relatives from.

Property Damage

If you or one of your resident relatives causes property damage, your homeowners insurance may cover that loss. For instance, if your child breaks a neighbor’s window with a backyard home run, your policy may cover it. It also covers damage you do to property while you’re away, meaning your liability insurance Newark DE would cover you at a vacation rental if you accidentally burned it down or damage you cause at a venue where you’re holding an event.

Personal Injury

Accidental injuries to others, such as children colliding while playing a game of pickup basketball, would normally be covered. Both the medical bills and pain and suffering are included, as well as the legal defense costs should the incident land you in court. Many policies also cover personal injury from defamation such as libel and slander. However, keep in mind that intentional acts are typically excluded, so incidents like bar fights or crimes committed by otherwise covered individuals are likely to be denied.

Pet Incidents

Even the most docile dog can bite a guest, and your homeowners insurance may cover resulting damages including injury and death. Even relatively mild dog bites can cause scarring or infections that lead to more serious disfigurements and require complicated medical procedures. Many insurance companies have restrictions on the types of dogs allowed, but if not otherwise excluded, those damages do fall under the liability portion of a homeowners policy.

Homeowners insurance is often something purchased as a requirement. However, now you know that the policy covers much more than just the physical structure you call home.

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