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Day: March 8, 2019

Life Insurance – Tips For Lower Rates

Due to ignorance, some people have bought more insurance cover than they need. What is life insurance and how important is it? Who needs life insurance and how can I get quality life insurance at affordable rates? These are some of the questions that I would seek to answer in this article.

Life insurance is an insurance policy that you take out that would be beneficial to your dependents after you are gone. Although it could be considered as savings, it is not really of benefit to the policy holders but to the beneficies that is stated on the policy and only upon death of the policy holder.

Life insurance is very important because;

a. It gives the policy holder peace of mind in his / her life time.

b. It assures the dependents of the holder that they would be provided for even after the bread winner is no more. And,

c. It can be use to settle final expenses and debts of the holder.

Everyone needs life insurance. But those who need it most are those who have family and dependents who want to ensure that their loved ones do not lose their income after their death.

To lower your life insurance rates, you need to evaluate your line of work and leisure. There are some jobs that have been listed as dangerous jobs. A few of these are lumbermen, pilots, nuclear weapon scientist amongstst others. People who are involved in these are considered high risks individuals and have to pay high life insurance premium

Your body weight can affect your health. You are said to be obese if your Body Mass Index (BMI) is high. If your body weight is too much for your height and sex your BMI is high. So if you have a weight problem, you need to work to reduce your weight and keep it down. This would help you get lower rates.

Look around for the insurance company that offers the best deals in life insurance. Shop around. Do not just get one quote and run with it. Get many quotes and run with the best. …

The Benefits of Skip Hire

Whether you’re clearing out your shed or garage, renovating your property, or conducting an office clearance, one thing’s for certain – you’ll need to dispose of large quantities of waste. This can be a messy and time-consuming job, and endless trips to the rubbish dump can end up costing you valuable time and money, especially if you live in the capital.

One excellent alternative is skip hire. Here are some of the main benefits you could enjoy.

Convenience

Making multiple trips to the dump or recycling facilities is time-consuming and it can leave your car in a right old state. The main benefit to hiring a skip is convenience.

A skip hire company will deliver your skip to the desired location, arranging any permits where necessary, and collect it once it’s been filled. All you need to do is work out where you would like it placed, and when you want it delivered.

Cost-Effective

Multiple trips to the dump involve wasting unnecessary time and money, especially with the rising cost of petrol. However, by hiring a skip you won’t have to pay a penny extra for transport as that’s built into the cost of hiring a skip.

What’s more, with a range of skip sizes to choose from you will only pay for the size that you need, making it a cost-effective solution.

Versatility

All reputable skip hire companies have a range of skip sizes on offer so their service can be tailored to your exact requirements. Skips are classified according to the volume of waste they hold, which is measured in cubic yards.

They range from a mini skip for light domestic use that holds 2 cubic yards of waste (approx. 20-30 bin bags of rubbish) to a maxi skip for large house clearances that holds 16 cubic yards (or 140-160 bin bags of rubbish). The average skip size is a builder’s skip, which is 8 cubic yards (or 60-80 bin bags of rubbish).

Correct Disposal of Waste

Hiring a man with a van to dispose of your waste may sound like a good idea, but legally waste is your responsibility so if that man decides to fly-tip your waste you will be liable for a huge fine. By choosing a reputable skip hire company you can rest assured that your waste will be dealt with professionally, and your reputation, and bank balance, will remain intact.

Environmentally Friendly

Finally, skip hire companies are responsible environmentalists. Your waste will be transported to a processing plant where it will be sorted, with as much as 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} being recycled.

For further details on skip hire, contact Waste King Skip Hire today.…

How to Make Your House Look Bigger From the Street

As an Architect, in designing new homes for clients, they first come to me with standard tastes you would see on any house in any neighborhood. What I try to do is to expand their architectural vocabulary and be bold in what they’re trying to do, without spending a lot more money. Part of that is to make their house look bigger from the street and live bigger inside. You can get a lot of “wow” factor if you try some simple things in your home design.

1. Make your house longer, not square. Most people want to make their houses more square in design, in the preconceived notion of saving costs. While this may be overall true, it also makes your house very small looking (and boring). For a 2500 square foot house instead of designing it 50 foot by 50 foot, make your house longer like 75 foot long by 33 wide. You’d be surprised how much more elegant and more expensive it looks for not that much more money. It also gives you a bonus of giving windows into almost every room in your home, giving light and visual space to them.

2. Use the Split level home concept. The split level home was more prevalent in the 1960’s than it is today, but it has a lot of advantages if you modernize it. The Split Level pulls the basement out of the ground. In most of the northern part of the country (I’m from Indiana), you need at least a 30″ or deeper footing to get below the local frost line. Well, let that be the staring point of your basement (or as I like to call it, the Lower Level). That means the Lower Level is 2 feet below grade, which means you can have full size windows. The Lower Level foundation wall is 30″ tall, the rest of the wall height can be wood instead of concrete (whether 8′ or 9′ tall) which saves costs. If you use 8′ tall lower level (to reduce costs) there is a design I like to use to eliminate bulkheads for HVAC;…incorporate the ducts in a floor truss system. I love to use 16” high floor trusses, 24″ on center, and keeping the trusses in the same orientation throughout the house. It gives plenty of space for the HVAC ducts in the floor truss system, and no bulkheads, meaning less cost since you have flat ceilings and no extra framing for those bulkheads. If you need space for the HVAC to “step over” each other, do that in the mechanical room.

3. With the split level home, The 2nd Floor (or the “Main Level” as I like to call it) it anywhere from 7 to 9 feet above grade, not only giving it a commanding view of the property all around, it also looks like a 2 story building, for a 1 story price. You can leave windows open at night because the window sills are 10 feet …