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Day: July 18, 2018

Top 5 Tips To Reduce Your Home Insurance Premiums

We all know it is imperative to have home insurance. Home insurance covers any mishaps that may occur and enable you to replace the contents of your home – and even the home itself !. There are different types of home insurance and the premium you pay will of course depend on the type you choose and the level of cover you choose.

However there are other factors which can be taken into account and there are certain precautions you can take to ensure your promotions are as low as possible. Here are the top 5 tips to help you reduce your home insurance premiums.

1. You could save as much as 7.5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your home insurance premium simply by installing an excellent quality alarm system. The better protected your home, then the harder it will be for thieves to break in. Do note that there are certain types of alarm that are preferred by insurance companies, so simply installing an alarm system may not be enough to bring down your premium. It is always worth seeking advice from the insurer when thinking of protecting your home by installing security.

2. Since the majority of fires caused in the home are caused by cooking and smoking, installing smoke alarms in your home can reduce the premium you pay. Most insurers will ask if you have taken the precaution of installing smoke alarms and in some cases that they are a requirement.

3. Increasing the amount of money which you will willing to pay in excess of a claim can reduce the premiums. For example you could make a saving of over 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} if you were willing to pay £ 250 excess.

4. If you are living in a neighborhood which has a vicinity watch scheme then by joining this you could save yourself as much as 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your promotions.

5. Finally, give some thought about the amount of cover you really need, especially the add-ons. You could save yourself as much as 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} in premiums if you do not include accidental damage cover in your policy. Also keeping your no claims discount down will save you money, so never make claims for the small thing. …

Why Do We Need Personal Development to Be Successful?

In order to really answer that, we need to define what we mean by personal development. In my opinion, personal development is:

  • Growth as a conscious human being
  • Activities that improve self-knowledge and identity
  • Development of talents and potential
  • Development in different areas of life
  • Building of human capital and employability
  • Enhancing the quality of life
  • Contributing to the realization of dreams and aspirations
  • Is not limited to self-development but includes formal and informal activities for developing others
  • In the context of institutions, it refers to the methods, programs, tools, techniques, and assessment systems that support human development at the individual level in organizations
  • (hard) work that requires discipline, determination, consistency, patience, time, courage, forgiveness

Let’s then take a closer look at some of these bullet points in correlation to success.

Improving your self-knowledge and identity means, among other things, that you become more aware of who you are and what you want. Knowing what you want and where you need to improve yourself in order to achieve what you want are essential parts of success.

If you have already achieved success you cannot stay put if you want to remain successful. The world and other people around you are constantly evolving; therefore you need to keep on developing your talents and potential further. Otherwise your success will remain short term.

Depending on your goals, you need constant development in different areas of your life, not just in one. Some of these areas might include health, finances, relationships, emotions, habits and beliefs, to mention a few. A good health will ensure that you are able to do what you want to do. It is obvious that you can do a lot more as a healthy person than you would lying sick on a bed. It is obvious, in most cases, that you can achieve more and free yourself from some of the worries when your financial situation is stable. It is obvious that you can achieve more when you have sound relationships with supporting and loving people to back you up. And so on.

Having activities for developing others, in addition to developing yourself, is really what gives you the final boost for success. The old saying “what goes around, comes around” applies here quite well. Helping other people succeed will ensure that they willingly help you in return. It is much, much more difficult – and in most cases even impossible – to achieve success just by yourself. You can’t be the master of everything. And you shouldn’t even try to be. Concentrate on doing well what you love doing and let other people help you in the areas that they love doing. Help others develop themselves and they will help you develop yourself. That is for everybody’s benefit.

Finally, understand that long lasting success does require work. At times, it can even seem to require hard work. But once you have found what it is that you truly love doing, the work doesn’t seem that hard anymore. But …