personal

The Condition of the Home

Insurers factor in general wear and tear on your home when setting a premium. They will inspect such things as the condition of the roof, porches, decks, and the integrity of the home's wiring system. Because new homes tend to be in better condition than older homes, some insurers will offer up to a 15 percent discount if your home is new.

The Construction of the Home

Certain types of homes are less expensive to insure because they are more resistant to damage. For example, a brick home is preferred because of its resistance to wind damage.

Safety Factors

Many insurers also offer discounts of approximately 5 percent for safety features such as burglar alarm systems, deadbolts, window locks, smoke detectors, and sprinkler systems. You may also receive a discount if your home is in close proximity to a fire department.

If There is a Smoker in the Home

Because smoking in the home greatly increases the risk of fire, some insurers will offer a discount of about 2-5 percent if no one in the home smoke.

Is the Home in a High Risk Area

Flood and earthquake damage is not covered by standard home insurance policies. Special supplemental catastrophic policies that cover these conditions are available, but can be quite costly. If you are currently covered against these catastrophes through a government plan, however, research coverage through a private insurer. It may actually be lower.

Type and Amount of Home Insurance Coverage Needed

Homeowner's insurance typically covers damage or loss to your home and its contents, but some packages also provide other benefits such as personal liability coverage if someone is injured on your property or theft insurance. Read the fine print. Prices and coverage can vary significantly between packages that appear similar. Make sure you get what you need and use what you get.

Your Desired Deductible

The deductible is the amount that you the policyholder must pay before your insurance company starts paying benefits. The higher your deductible, the lower your home insurance premiums. By raising the deductible, you can save up to 50 percent of the cost of your homeowner's insurance.

Loyalty to Your Company

Insurers will often reduce their rates if you buy more than one type of coverage such as auto and homeowner's from them or if you stay with them over a period of time.

Is There a Retiree Living in the Home?

If you are over the age of 55 and retired, check with your insurer to see if you qualify for a discount. Most insurance companies offer these discounts because retired people are home more and can spot fires sooner than working people and have more time for maintaining their homes. Some insurance companies will offer discounts of up to 10 percent to seniors who qualify. …

Travel insurance policies come in different types of packages, with all manner of options and choices. It is designed this way for a reason, of course. You would not want to pay for cover that you are unlikely to need, or skimp on cover you should have.

A basic policy may be adequate, or you may find you’ll be more comfortable paying a bit more to obtain higher levels of cover, as needed. It often depends on where you plan to travel. Let’s say you plan to travel to a destination such as Madagascar, which has limited medical facilities. In the case of a serious medical emergency you may have to be transferred by air ambulance to another country for treatment. Therefore, you would be wise to pick a policy that offers the maximum cover for medical emergencies. It should also include cover for air ambulance and medical repatriation. If you check you may find that a very cheap policy does not include this cover.

You will need to decide whether to opt for a Single Trip or Annual Multi-trip policy. If there is any possibility that you may take more than one trip in a year the Annual policy is normally the best value for money. On many policies children are included free – which is a major saving for family holidays.

Travel insurance premiums normally increase depending on where in the world you are travelling. For example, the cost of travel insurance for a British citizen travelling to Europe would be less than if they were flying long-haul to a destination such as North America or Australia.

Most travel insurance companies offer different levels of cover so that you can choose. Paying a bit more for the next level should affect the amount the insurer will pay on a claim, or increase the amount of items covered. Pay attention to the amount of Excess (Deductible) included as it may be much higher on a cheap policy. (This is the amount you have to pay towards a claim). To keep the premium very low it is often the case that levels of cover have been cut or the amount of Excess increased.

When it comes to pre-existing medical conditions the cost may increase dramatically for serious pre-existing conditions, or the insurer may not offer cover at all. Most often though the average company will agree to cover a specific condition for an extra premium, or with the understanding that any claims related to the condition are excluded. This can be a bitter pill to swallow for those that are affected.

Unfortunately, it is a fact that travel insurance for seniors is usually more expensive because of the assumed increased risk of a medical problem arising – despite the fact that our seniors are probably healthier these days than they have ever been!

Winter sports (skiing/snowboarding) insurance can be added to a typical travel insurance policy for an additional fee. Other add-ons may include cover for activities such as:

  • Business

Self gratitude is the ability to appreciate self without the benefit of an outside influence and it is something that is very difficult for most people to do though without a doubt it is the most powerful thing any of us can learn to do.

There are so many different tools and systems to success that it could boggle the mind if one was to spend too much time looking around at all the options. There is, however, a single unifying thread that makes any or all tools and systems work – or not – the user. Each tool and system is powered by how the user feels about them selves. Gratitude in any form is a powerful attitude that will net results, however self gratitude is a power tool that can change all things. It is the key to personal success – whatever that means to you.

Many of us picked up where our parents left off with the practice of berating ourselves anytime our performance is less than what we perceive as our very best or beyond our capability. In many cases, we have set ourselves up by expecting the impossible which we can’t live up to, and then beating on ourselves for not being able to live up to our expectations. For those of us who do that, we have left little or no room to let ourselves off the hook.

The interesting thing about that little game with ourselves is that like our parents, we would never reward ourselves for substandard performance. Having a successful business that offers freedom and flexibility is a very big reward – that would feel much like it would have felt if our parents actually did buy us that brand new Porche for our 18th birthday. The problem is, few of us actually feel deserving of rewarding ourselves with such a big prize.

There is hope in the power tool called self gratitude or self appreciation; it’s just a matter of learning how to use it and applying it as consistently as possible. Here’s the rub: Often, people will dive on this idea and try and perform it perfectly – which is nearly impossible at the best of times never mind just starting out – allowing their ‘not good enough’ thinking to propel them right back into the ‘beat them selves up’ game.

It’s time to tell ourselves, ‘enough already!!’ It is time to break that self defeating heart breaking cycle that keeps us from grabbing the golden ring, that is – in every respect – our birthright. What that means is that learning to practice self appreciation requires that we begin to appreciate ourselves when we are less then satisfied with our accomplishments as well as when we are satisfied. It’s time to get off our own backs!!

But how do you get there?

Most of us are used to making a to-do list so that might be the easiest place to start. How about starting a ‘done’ list? I …

There are several opinions when it comes to personal injury cases. A school of thought believes that personal injury law creates an avenue for unscrupulous individuals to milk large corporations or organized businesses. Of course, every individual is entitled to his or her opinion but for a lot of people, personal injury law has created a natural lifeline, not only for them but also for their families. Without the compensation provided under personal injury law, a lot of families would be unable to survive the consequences of other people’s negligent actions. How so?

Consider this scenario: a young married father of two who gets injured at his place of work (a construction firm), due to the failure of the company to put in place certain safety precautions that would have preceded the accident from happening. There are several ways of looking at this scenario; the first consideration is the cost of treatment. This will depend on the extent of the injury and considering the high cost of adequate medical care, this is no mean feat. The father is unable to work and as such can no longer earn an income to provide for his needs and those of his family. These injuries also maintained in permanent physical disabilities and the father can no longer return to the only work he is trained for.

All of the above consequences are just a tip of the iceberg; there are many more and all because of the negligence of a company in ensuring the safety of its employees. Thankfully, personal injury law provides an avenue for victims of personal injuries to seek justice and compensation that will help them cope with these consequences. Of course, this particular example (workplace accident) is just one of the numerous cases of personal injury. Others include: car accidents, motorcycle accidents, train accidents, defective products, toxic exposure, defective drugs, animal bites, burn injuries and a host of other injury cases.

The typical compensation package in personal injury cases takes into consideration the consequences mentioned above such as: medical treatment and rehabilitation, repair and replacement of damaged property, lost present income, lost future income, non-monetary losses (pain, suffering, depression) in addition to punitive damages levied against the defendant in cases involving gross negligence. In order to receive compensation and justice in accidents resulting in injuries, get in touch with a personal injury lawyer today.

Any accident causing serious impact on your life, some emotional stress. Although it can not be measured, awarded compensation to reflect on you. If you have suffered serious injuries and medical costs would be considerable. A compensation program takes into account these costs and all expenses that will bring your attention is going.…

In times of crisis and dire need some borrow from their kith and kin while some approach institutions such as banks, loaning companies and individual lenders. They play a very important role in providing the finance.

The most important thing to be considered before approaching any financial institution is a quick check on your eligibility criteria to avail of the loan. A person's credit report reflects his / her capacity of repaying the bank loan. Ample research beforehand ensures uninterrupted course of action. Thus a person going for UK loans or any other loan should apply mind over matter and equip oneself with knowledge of the process.

Broadly speaking one can classify UK fast loans into two-sub categories-secured loans in UK and unsecured loans in UK. Secured loans as the term suggests is obtaining the amount from the bank against a major asset usually your home or some other property. The collateral being large, one should act prudently before securing the same. Defaulting on your payment can cost you your home. However it is easier to obtain than unsecured loan, also the APR (annual percentage rate) of secured loan is usually lower than on unsecured loan. It may be used to finance a wedding, buy a vehicle, a business loan etc.

Unsecured loans also known as personal loans happen to be riskier for the lender than the borrower. Here is the financial structure and credit report of the borrower is scrutinized well before lending. Usually in UK it is granted to people holding first-class credit record. An unsecured loan [http://www.loans-park.co.uk/unsecured-loans.html] could have taken to make your credit card payment or a student loan or it could have been taken to invest in some business. However one of the main advantages is the speed of payout ie, the time between the application of the loan and receipt of the proceeds in your account. This time interval is shorter than that of a secured loan .

However once all of the procedures and intricacies can be solved with just a bit of simple instruction. With all the fine print in hand to read and understand, one is sure to be well informed and on the ball before taking the plunge. One should also visit several banks and lending institutions and not just cling on to one to borrow. There could be dash of difference in interest rates and other policies. A cross comparison across the table could sometimes act in favor of the borrower as the lender might just make some tweaks benefiting the borrower.

So with things like repayment periods to suit from 1- 25 years, quick decisions and prompt payout, efficient and friendly service to the customers and easy online application makes it all borrower friendly process to follow. Thus options galore of various lending institutions with their unrivaled access to different plans and amounts to suit the customer half the borrower's worry. Doing your homework well, cut shorts half the trouble and the rest is taken care by your …

Last week Time Magazine shared some of the world’ best known Personal Brands: the profiles of the world’s 100 Most Influential People. Jeff Bezos graces the cover and each person featured is a celebrity or political figure. The article about each person is written by another influencer. For example, Melinda Gate’s profile is written by Sheryl Sandberg. She describes Melinda as ‘a fierce advocate for women around the world and that her impact will be felt for generations’.

The edition is certainly inspiring, yet the challenge for us as women is that sometimes we see Influencers like this and think ‘what can I offer? How can I possibly make such an impact?’

And when I hear women say this, my thoughts are drawn to a special lady called Lillian Armfield.

Lillian Armfield was born on 3 December 1884 at Mittagong, New South Wales, daughter of George Armfield, a labourer, and his wife Elizabeth. Educated locally, she was highly intelligent, well schooled and was described as having a good head for numbers.

Before her time

In 1907 she became a nurse at the Hospital for the Insane, Callan Park, Sydney, where she looked after female inmates. Due to her competence and kindness to patients, in 1915, the medical superintendent recommended she apply for a newly established post. This post was as a police recruit in the NSW police force. At the time there were no female police officers in Australia, but this little hurdle didn’t deter her. She thought she would be well suited to a career on the front line.

Lillian was successful in her application and in her starting role was paid the grand sum of 7 shillings, 6 pence a day. Unlike her male colleagues, however, Lillian’s contract specified that no uniforms were to be provided and no overtime or expenses were to be allowed.

After a year’s probation she was enrolled as a special constable, however, her promotion came with a catch. In what would seem unbelievable in today’s workplace, Lillian was required to sign an agreement with the inspector-general of police. This made her subject to the same rules and discipline as her male colleagues. However, without the right to any compensation for injuries received in carrying out her duties. In addition to this quite overt discrimination, Lillian was also required to forego her right to superannuation and pension benefits upon retirement.

Overseas interest

The experiment of Lillian Armfield’s appointment was watched with intense interest overseas. She was the first plain-clothes female detective, exercising the same powers of arrest and working side-by-side her male colleagues. So foreign was this concept of a female policewoman, that it gained international attention.

In Paris, a captain for the French police declared that policewomen would be the subject of jeers and prompted the following jingle in a Sydney newspaper:

“In gay Paree no police you’ll see parading around in skirts

For France prefers her mademoiselles as dainty, pretty flirts,

No Sergeant Armfield there you’ll find, forever on the roam,

The

Smart consumers will always want to steer clear of unnecessary debt. However, this does not mean that you need to renounce necessities or things that you yearn for in this life. The key is to be realistic. Develop sensible spending and saving habits. This in essence is called personal financial forecasting. Your plan must shape proper handling of money.

Develop spending policies that are easy to achieve. You must not fight the desire to spend. Instead, understand the need for reasonable expenditures without falling into financial liabilities. It is essential to convert said guidelines into routine practices. Make your decisions anchored on what is ideal for your personal funds.

Create a rational budget. Keep track of your earnings and how much you spend for at least three months. Keep a log book if possible and retain all receipts. Create expense categories such as food necessities, household utilities, clothes, travel, and entertainment. Find out ways to limit expenses that you can channel towards savings and paying off bills. Make it a point that you always have money for credit card balances and basic monthly purchases.

Strive to earn additional income. This is a sure way of not turning out short on your monthly budget. It is also the ideal way of controlling your finances. It is as simple as earning more if you want to buy more. Deposit more money to your savings account. You will surely need this in times of emergencies.

Choose the right credit card. This may not be an easy decision since a lot of cards proliferate in the market. In fact, you can find sales representatives of credit cards selling their products almost everywhere. However, credit cards are essential to consumers so you have to find a way of getting the suitable credit card without being over-stressed. It is important to identify the different categories of credit cards. Opt for a low interest credit card has very minimal interest rates. Purchases you make will not lead to unmanageable interest costs. Consumers, who carry over balances, will find this card as a practical option. It is a solution for consumers who are not capable of paying the full amount of monthly credits. The low interest card also offers huge savings and permanence while you settle your balances.

These are just some of the useful pointers in avoiding debt. Spend time to assess your present situation. Focus on saving rather than splurging. It will come in handy especially on rainy days.…

Many renters do not feel they have a lot of personal property, so question the necessity of protecting these assets. However, whenever you live in a large rental house or small studio apartment, you most likely have more than you realize. This means it's best to have renters insurance and also an inventory of your debts to back up any insurance claim.

After a disaster, renters without insurance are often shocked that the landlord does not have each individual's contents covered. This is entirely on the person renting, as they are the ones who own these belongings. Thus, there is a need to purchase personal property (contents or asset) insurance.

Renters Insurance
Renters are just as prone as homeowners when it comes to facing a disaster. Therefore, it is in the renters' best interest to protect their assets.

Before you feel you do not have much to insure, think of all the electronics you own, such as laptops, tablets, audio players, DVD players, televisions, stereo equipment, surround sound, etc. This one category of alliances can total thousands of dollars very easily. Now figure in jewelry, collectibles, decorative items, fine china, DVDs, CDs, clothing, linens, small appliances … the list goes on! Furniture often seems to not be worth much after you've owned it for a few years, but the money it would take to replace it will certainly place a huge amount on your credit card if you do not have the funds to pay cash for it. Therefore, anything you can not afford to purchase with cash is worth protecting.

So what can you do to protect your assets? Prepare for a disaster by having renters insurance and an inventory of your marriages.

Renters insurance is reasonably priced. If you have to replace all of your contents, or just a few items, you'll realize the value immediately when the dollars start to add up! Your insurance agent will be able to determine the amount of insurance you need when you state how much your contents are worth.

How do you know the value of your contents?
Complete an inventory of all the items you own – or hire a professional service to do it for you.

An inventory is the most valuable document to support your insurance claim. It provides proof of your marriages, and the details required to file a thorough claim. You'll be able to provide that information quickly. Your recovery will be expedited as a result of having the information already documented, compared to those who will spend hours and hours doing their best to complete the claim form, all the while knowing they forgot items.

Having a renters insurance policy and an inventory will not prevent a loss, but they will help you protect your assets. Having the proper insurance, being fully covered, and then being able to prove it will make your claims process smoother and with much less stress. …

In the past, booking your cheap summer holidays to anywhere in the world,would require you to visit your local travel agent in the high street, choose a selection of brochures and carry them home to browse through page after page of exotic locations with sunny poolside photographs, enticing you to book the holiday of your dreams within those glossy pages.

Since the recent convenience of being able to search and browse the various internet search engines, consumers now have a much wider choice when deciding to booking their cheap summer holidays in their own country or when travelling abroad.

Finding a suitable holiday or travel service to cater for every consumers needs and personal budgets, has over the last few years become really fast and easy with thousands of cheap holidays and services available to view with a simple click of mouse.

Consumers will now find that all the top and lesser known travel agents have an online presence, and every category of holiday and travel service is catered for such as flights, accommodation, car hire, airport transfers, travel insurance and a whole list of other services for booking cheap summer holidays online.

With these types of travel services now available on the internet, any consumer has the ability to customize their own cheap summer holidays, picking and choosing which services they would like to use with their choice of holiday destination, without having to just accept the travel services contained in a travel agents holiday package.

Anyone who books holidays is always looking for the cheapest and best summer holiday bargain, and holiday consumers will find several dedicated holiday comparison websites that have full access to the major travel agents databases, so are able to offer the latest up to the minute pricing on a wide range of holidays and travel services.

Consumers get help to find the cheapest flights, holiday accommodation, car hire, airport transfers and many other travel services which are offered by the top travel agents online. Taking the time to use this type of website service can truly reveal some great last minute deals when booking cheap summer holidays, and is highly recommended for a starting point when booking holidays online.

Many travel agents and travel services are now in direct competition with each other thanks to the wide choice of the internet, and many of the holiday websites online offer some great discounts and discount codes throughout the year, so holiday consumers should always search the internet to find the best cheap summer holidays.

The overall ease and wide range of choice when booking cheap summer holidays online, has in the last ten years resulted in thousands of holiday consumers becoming more and more confident with booking various holiday and travel services online.

With hundreds and hundreds of holiday services setting up websites online every year and thousands of holiday consumers now becoming more and more internet savvy, this trend of searching online for booking cheap summer holidays and travel services is set to …

Thanks to the internet and digital cameras there's a huge market now for selling all kinds of photos featuring themes, styles, topics, etc.

There is money to be made from taking and selling photographs. Taking pictures is easy, fun and you can work at your own pace. You do not have to be a professional photographer or have a college degree. All you need to get started is a digital camera, computer and a photo-editing program (Adobe Photo Shop, etc). You do not have to be a professional photographer or have a college degree.

The market for photographs is huge. Estimates show magazines and newspapers buy over 50 million photos a year,

There are many different ways you can make money with your digital camera. You can make money taking and selling photographs for people's personal use, decor, family reunions, birthdays, anniversaries, memories, portraits, weddings and pets.

Clearly to be a success in making money taking photographs includes tips on finding the best revenue sources for your type of work. Depending on what method you choose to market your photographs with you will either be selling them per download via sites such as Stock and Prints, Crestock, iStockphoto, Dreamstime etc. or local Business People, Travel Agents, Realtors, Car Lots or even directly to clients on a contract basis. Photographers are needed in many fields. For instance many people use car web sites and they sell their products as a result of photography. People celebrate special occasions more with photography, than they did years ago. The travel and advertising markets have a great need for landscape, travel and nature shots. The key to finding your clients is simple: find out where they buy their current photographs and make yourself visible there!

These are some of the photograph markets that will pay you for taking pictures:

Marketers
Writers
Magazine Editors
Weddings
Scrap Bookers
Business People
Peoples Pets
Travel Agents
Realtors
Web Designers

There are many other markets that you can check out that you can sell photographs to.

Learning how to make money with your camera via the internet can be reliably easy. All you need is to get enough determination to give this endeavor everything. You must also have the initiative. This will ensure that you make the first move to making the business a success.

Almost anyone with the right camera equipment, and the necessary skills can set up a home business, marketing photography. You only need to convert a room of your house into an office, and then you can work immediately. Because you have modern technology in the form of digital cameras, you do not even need the room for a dark room.

The technical skills needed to make a successful photographer have never been easier. The market for photographs of almost every type has widened, the world looks to have an insatiable appetite for photographs. . For instance many people use car web sites, they simply did not exist ten years ago, and they sell their products …