What Does Renters Insurance Cover? An Explanation

Many apartment and house renters have asked me if they need insurance for renters, and if they do-- what does renters insurance cover? Well, even if you think you own few possession, all renters should be insured not only to cover your personal possessions but for the all-important liability coverage. Let me explain exactly what it covers.

Renters' insurance coverage has two parts:
1. The first part is 'general coverage' of your personal possessions from theft or damage.
2. The second part is 'liability coverage' against financial loss resulting from injury to a visitor to your home. Depending on your policy, this often includes visitor's medical costs, plus legal and other associated costs should you be sued.

House And Condo

Ask your insurance representative about the exact coverage in any policy you consider.

What Does Renters Insurance Cover? An Explanation

The Landlord's Insurance

Many renters mistakenly believe a landlord's building insurance will cover anything that could possibly go wrong in an apartment building. That is simply not true.

The truth is that landlords' insurance is limited to damage to the building structure and to liability coverage for the common areas, only. Landlord's insurance does not cover your furniture, personal possessions, or damage you might do to the landlords building. You are responsible for your own possessions and the well-being of your apartment or rented house. You are also responsible for liability within your rented home. So you need renters insurance to protect your possessions and liability inside your home.

A Few Points Of Coverage

What does renters insurance cover? Well, here are points of coverage to show you how this insurance can benefit you:

Your possessions will be protected from theft and vandalism. Your possessions will be protected against damage from specifically named risks such as fire and windstorm.* If there is damage to your rented apartment or house and you are not able to live there, many renter's insurance policies will provide for temporary relocation living expenses while repairs are made. Your possessions will be protected away from your home, such as items in your car, or items you take with you while on vacation.

* Policies cover "insured risks" which are specifically named in your policy. Insured risks never include flood and earthquake damage. These are considered separate risks that require separate policies.

In reading the above list, it is easy to see that you can get substantial renters insurance coverage; and it comes at little cost. You will not have any problem in locating a good renter's insurance policy for a month or less for a basic policy.

It Adds Up

I know many renters think they don't have enough possessions to warrant getting insurance. Well, if you add together your CD and DVD collection, your computer, TV, other electronics, clothing, furniture, bedding, and other personal items, you will find it all adds up very quickly.

In every case, renters insurance makes a lot of sense as a way to protect your assets for the cost of only two small pizzas a month. When you think about it, it's a wise thing to get.

What Does Renters Insurance Cover? An Explanation

Jennifer Edwards is a consultant specializing in financing and insurance. More information is located on Jennifer's website at, Smart E Tips

cell phone watches Lenovo G550 Laptop Cheap Sale Lenovo G550 Laptop Discount

Why Do People Travel?

Can you imagine what is life without traveling? Is it possible? Whatever your reason is, traveling is a part of people's life. We all travel. The reason behind that is up to you.

There are different reasons why people travels:.

House And Condo

1.) Most People Travel because they want to see their families and friends who live far away. Invitations from families and friends are seldom so you will decide to travel just to see them.

Why Do People Travel?

2.) People Travel because they want to see their soul mates. Some people believe that there is only one person for them and if they haven't had much luck searching in their area, they figured it out that even though there are millions of people around the world, they can still find it in other place.

3.) People travel to seek for work because they want to experience how to work from another place. We must admit that earning money is hard and some people decide to work abroad because they are looking for greener pasture. Other place pays bigger rates than their own place. We may also say that their expertise is not favorable in their own place. Unfortunately, they have to leave their families for awhile for a job opportunities abroad.

4.) People travel because they want to learn others cultures. They want to see the difference between their culture and other cultures. They want to learn others culture because for them traveling is fun while learning. One particular thing about the culture is the food. They want to know how food is prepared and how it is done. Obviously, we all love to eat.

5.) People travel because they are writers. They want to give the readers relevant article to their readers especially when they are making story in that particular place.

6.) People travel because they want to see all beautiful scenery of different countries. Others would want to take pictures because it serves as souvenirs.

7.) When opportunity arise, it is hard to decide whether to leave your family and open a business far away your place. Some businessmen would rather put up business in other place because they want gain and it is more profitable than staying in their place. Business is nothing without profit.

Traveling is not only for rich people. Whether you are poor or in the middle class, you can travel as long as it fits your budget. Some travel for their goals, some travel for fun and relaxation and some travel for experience.

Why Do People Travel?

Travel the world by viewing Traveling is Fun While Learning To get the cheapest hotels in the world, visit 'Traveling Is Fun While Learning"

mobile phone watches Lenovo 3000 G550 Cheap Laptop

What to Look For in an Open House

Open houses provide an excellent opportunity to visit a home with minimal interference. As you walk through available properties you may find other prospective buyers visiting the same houses - this makes for a good buffer between you and the real estate agent or home owner facilitating the open house. You'll feel freer to move through the rooms and decide if you wish to bid, and at the same time have an expert on hand with questions. That said, there are a number of things one should note while embarking on open visitations to homes for sale.

Usually open houses are held on weekends for about four hours, mainly in the afternoon. If you know well in advance which homes are to be displayed, plan some time to visit the neighborhood during the week. Drive by in the early morning and late afternoon, when residents are coming and going; this should give you an idea of how busy traffic gets in the area. Take note of neighboring homes and cars, discerning how well the block is kept, if there is noise, and if the home sits on a through street that accounts for thick traffic. These factors will help you decide if this is where you want to live.

House And Condo

When the day of the open house arrives, don't be afraid to ask the tough questions. The seller or agent is there to get you to bid, and you have the upper hand. Find out everything you can about repairs and renovations, the age of the home, whether anything has been replaced or needs replacing, and what items convey. Find out what fees the seller is willing to cover and how much you are expected to pay as far as water, sewage, and electric bills go. If you are visiting a condo or duplex in a gated community, make sure you know if there is a covenant by which you must abide, and if you have children find out about the school district.

What to Look For in an Open House

Has the home ever been infested with termites? Do the current owners keep pets, and is there a risk for fleas and dander? How is the home heated and cooled, and how well does the insulation hold? Of course, take care to check storage space and rooms.

The more you research and ask questions about homes to buy, the better prepared you'll be for when you make that bid. Buying a home is a serious decision, one not to make lightly. Know the neighborhood, then know if it fits your style.

What to Look For in an Open House

Kathryn Lively is a freelance writer specializing in articles on buying homes in Norfolk and downtown Richmond condo rentals.

mobile phone watches HP Pavilion DV2000 Discount Sale Lenovo 3000 G550 Cheap Laptop

The Top 10 Steps to De-Stress

Do you feel tense and anxious at work? Do your co-workers and/or boss make you crazy? Is your personal life less than blissful? If so, you've got stress. If you're like most people you've sought refuge from this situation by trying a quick fix or two like calling a friend, walking the dog, or going away for the weekend in an attempt to escape it all. While these strategies may serve as temporary diversions, nothing in your life changes when you return to your routine.

Stress is internal, which explains why it can wreak havoc on your health. It feels awful...it's the sense that you're not in control. The easiest way to mitigate its effect is to take charge of the one and only thing you have the power to control...YOU, and let go of what you can't control. The beauty of this recipe is that by taking control of your life, external or outside things will change in response to your internal changes. Here are 10 steps to destress for your present and future:

Top 10

1. Heal yourself.

The Top 10 Steps to De-Stress

Dr. Bruce McEwen, who wrote The End of Stress As We Know It, suggests that eliminating stress comes right from your grandmother's journal. He says the most effective steps you can take are the simplest: exercise, a healthy diet, regular sleep, moderate to minimal alcohol intake, and no smoking. This, he notes, is the most sophisticated, up to the minute, cutting edge science available!

2. Get organized.

Physical clutter reminds us of things that need to be done and that's stressful. Remove your physical clutter and you'll eradicate your mental clutter, plus you'll feel energized. The recipe for eliminating clutter is the same regardless of the room or space you're working on. In short, begin by defining the purpose of your room, then identify the major categories to be kept in your space, sort all your belongings into those categories, edit each category, and finally, put your possessions in a pleasing and practical place.

3. Set boundaries.

Boundaries act as a filter to keep you safe from the hurtful behavior of others while allowing in the love, support and nurturing actions we all need. Set your boundaries by: (a) determining what others cannot do to you or in your presence and (b) sharing this information respectfully with anyone who is stepping over one of your boundaries.

4. Take time for yourself.

Put together a list of all the things you love to do but haven't regularly made time to do. Put your list in priority order and enter the top five to seven items into your daily calendar. Your list may include things as simple as journaling, reading a great book, taking a bubble bath, yoga, etc. You'll be more successful getting to these activities when you give them a time and place on your calendar.

5. Be positive.

William James, the father of modern psychology said, "The greatest discovery of my generation is that man can alter his life simply by altering his attitude of mind." In other words, what you say and what you tell yourself impact the present and create your future. Love yourself and use the power of positive words, pleasing thoughts and affirming beliefs to live the life you want to live.

6. Work in a career you love.

If you're like most people, you spend the majority of your waking hours at work. You'll know you're in the right profession when: you wake up anxious to go to work, you want to do your best daily, and you know your work is important.

7. Surround yourself with a supportive community.

You are who you spend time with. Hang out with people who love and accept you just the way you are, are interested in you (not what you can do for them), lift you up (not wear you down), solve problems quickly, don't gossip or complain, and know how to have fun. Anything is possible with the right support.

8. Learn to say, "No."

We've all been influenced by people in our life who tell us we should do this or we ought to do that. As a result, we may end up living a life that others have decided for us versus living the life we want. So, the next time you think of something you ought to do or someone else suggests you should do, take a breath and ask yourself if it's something you want to do. If not, just say, "no" or "no thank you." When you say no to things you don't care to do, you are saying yes to you and this will free up your time and energy for the things you choose to do. Bottom line - you'll be happier.

9. Zap tolerations.

A toleration is something that irritates you and drains your energy because it needs to be done, fixed, removed, or changed. If you're like most people you may be tolerating 100 or more things! Put together a list of all the things that bug you, e.g. a dripping faucet, money concerns, your weight, shopping and running errands, not enough time, computer files out of control, your hair, a room that needs to be painted, etc. When your list is complete, group like items and see if one solution will eliminate multiple tolerations. For example, if you have piles of clothing in each bedroom, dirty windows and dust bunnies on your floor, hiring a housekeeper will zap all three tolerations. Line up a housekeeper, today. Then, commit to spending a chunk of time each week to zap your other tolerations. If you have a toleration that you don't have the skill or know-how to fix, consider calling an expert or seek out a skilled professional to trade services with.

10. Get your needs met.

A "need" is not an option, it is something you must have to function fully. It is differentiated from a "want" in that a want is optional. Unmet needs can drive you to distraction and worse. Determine what needs you have that aren't being met, if any, and then take the appropriate action to get them fulfilled. Example: If you've taken a big hit and are going through a career transition, ask a good friend to call you two or three times a week to check in with you and give you support. Other options include calling your own voice mail and leaving supportive messages or hiring a coach who specializes in career transitions. When you acknowledge and satisfy your needs, you will be free to focus on other areas of your life.

If you want to be happier and more successful, focus on the things you have the power to control.

The Top 10 Steps to De-Stress

Pam N. Woods is co-author of a bestselling book, Create the Business Breakthrough You Want: Secrets and Strategies from the World's Greatest Mentors; endorsed by Ken Blanchard and Dr. Stephen Covey. She is a Coach U graduate and President of Smart WorkLife Solutions, a coaching and consulting company devoted to co-creating customized solutions to fit clients business and personal organizing needs. Prior to founding her own firm she had a successful 20+ year career as an insurance executive and Vice President of Human Resources. For more free how-to articles and advice, or to contact Woods, visit http://www.worklifecoach.com. Copyright 2004 - Pam Woods

cell phone watches HP Pavilion Reviews DV Discount

Top Ten Tips for Writing a Professional Overview or Biography

A professional biography or overview, showcasing your background, experience and expertise, is a necessity for every business owner. This often overlooked marketing tool is an excellent way to introduce you and your business to potential clients and possible strategic business partners. Potentially, it might open up opportunities for speaking engagements, radio or television interviews, or a feature print article. While any information about you and your business is helpful, information that is presented in a professional, well-polished manner can make all the difference in how others perceive you. Consider these important points as you craft your own professional biography.

1. One page wonder.

Top 10

Your professional biography should be a few paragraphs and kept to one page or less. One page is perfect for copying on the reverse side of a handout or flyer. Several paragraphs, left justified make it easier to read and skim.

Top Ten Tips for Writing a Professional Overview or Biography

2. First, second, or third person?

Always write your biography in the third person. That is, refer to yourself by your name or she/he as appropriate. It sounds more professional as it appears that a third party wrote the text. For example, "Alexandra has been featured in the New York Times, Forbes, Newsweek, and Time magazines."

3. Business in brief.

Not only do readers want to know what you do, but also they want to know who you work with - because they might want to work with you! A professional biography should include a sentence or two about your business niche (or niches) as well as the types of clients you serve. A modified version of your 30-second elevator pitch might be perfect.

4. And the winner is....

Make sure that you include a list of awards that you have received. Readers are interested in knowing about your talents and the organizations that recognize you for them.

5. Organizations.

Include names of the organizations, clubs, or associations to which you belong. A reader's interest might be highlighted at seeing that you belong to the same alumni association or professional business group. Again, these connections might possibly lead to some interesting and exciting business opportunities.

6. Certifications and designations.

Include any professional certifications or designations you hold. Make sure you write out their names in full, rather than use abbreviations. Not everyone might know that CMA stands for Certified Management Accountant. And, perhaps, in a different discipline, it might represent something else - like a Certified Materials Analyst. If you no longer hold a particular designation, but it has played a major role in who you are and what you do, don't hesitate to make a reference to it. For example, "Ann is a former Certified Data Processor and spent the last decade as an adjunct faculty member teaching higher mathematics at the University of Colorado, Boulder." Don't include abbreviations of college degrees, like MBAs as it looks unprofessional. The only exception to this would be for a Ph.D. designation.

7. Published?

Have you written any articles, books, e-courses or e-books? Self-published or not, your works add to your level of professionalism and credibility. Showcase them in your biography and you might earn additional royalties in terms of new clients or other opportunities.

8. Did I mention the media?

Have you been a guest on talk radio or television? Were you or your business featured or even mentioned in a newspaper article? If so, readers want to know. Again, these types of "mentions" add to your credibility and presence.

9. Call me any time.

People who want to know about you will read your biography for just that reason. And, if its compelling, rich, and includes the information they're interested, in, they'll want to contact you. Include complete contact information like your title (if any), name, address, telephone, fax, email, and website address. Make it easy to find this information by including it in the last paragraph of your professional overview.

10. Write, rewrite, and do it again.

After you have written your biography, edit, edit, and edit again. You may need to do a dozen or so revisions before you get it just right. Eliminate extra words, use descriptive words, keep the sentences short but varied in length, and write in the third person. Ask some friends to provide input as well. Make sure to revise your biography regularly to keep it up-to-date and refreshed.

Copyright 2004 by Tara Alexandra Kachaturoff.

Top Ten Tips for Writing a Professional Overview or Biography

Tara Alexandra Kachaturoff is a business consultant, writer, speaker, Certified Guerrilla Marketing Coach and producer/host of Michigan Entrepreneur Television. Drawing on over 15 years of corporate experience, she coaches executives, professionals, and entrepreneurs on business and lifestyle issues and has been featured in print, radio and television. Her websites include http://www.virtualleverage.com, http://www.tarakachaturoff.com, and http://www.michiganentrepreneurtv.com

mobile phone watches HP Pavilion DV2000 Discount Sale Akribos XXIV Mens Quartz Watch Cheap HP Pavilion Reviews DV Discount