Clumsy children could place consumers under financial strain, a recently-released piece of research reveals.

In a study carried out by Abbey Insurance it was shown that just under three-quarters (73 per cent) of British homeowners have had at least one piece of furniture or other household item damaged by a young person during the last ten years. It was also indicated that the average cost to repair such a breakage or replace items stands at 140 pounds and 61 pence. And with the school holidays reported to be on the horizon, the financial services firm suggested that many people could discover that homes will be under "attack" when their children are off on vacation.

However, those who do not have home contents insurance, or lack a sufficient policy may have to meet the expense of making amends for children's mishaps by themselves. This may effect their capacity to make mortgage payments, meet the cost of household bills and personal loans and pay council tax.

Research from the firm showed that youngsters between the ages of 11 and 15 are more prone to having an accident in the home than those below ten. Some 90 per cent of parents with sons and daughters who are 11 to 15 years old indicated that their offspring have broken or damaged something within the home. Those from this age group were also indicated as being more likely to accidentally smash glasses, crockery and break windows. In addition, the study showed that 16 per cent of parents with children within this age demographic have demanded money to help meet the cost of repairing and replacing breakages. Furthermore, over half (53 per cent) of 16 to 18-year-olds were revealed to have damaged electronic goods.

However, customers with children between the ages of five and ten may also see their little ones placing financial pressure on them through breakages. Some nine per cent of offspring within this age group have previously damaged a prized possession such as a family heirloom or cherished photograph. In addition, such young people are revealed to be more likely to spoil paintwork and walls than their older brothers and sisters.

Lloyd Wilson, head of Abbey Insurance, stated: "School holidays are [a] prime time for breakages so parents be warned. Although it can be expected that children will clumsily damage household items, the cost of replacing damaged goods can come as a nasty shock. 140 pounds or more to repair or replace broken items is no small amount to find, so it's worth making sure your insurance policy covers every item in your home for accidental damage."

For those consumers who find that their property has been severely damaged by a member of their family, taking out a homeowner loan to fund the cost of repairs could be recommended. In doing so it may also possible that borrowers can afford to hire qualified tradespeople to carry out such work. The additional financial assistance that a home loan provides could also assist people in taking out an extensive home insurance policy.

Furthermore, a cheap homeowner loan might help those whose accommodation has been struck by bad weather. After a period of heavy storms earlier this year, Sainsbury's Home Insurance revealed that 1.78 million consumers lack buildings insurance, with young people shown to be especially likely not to have cover.

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1. Folks who buy homes in towns that have full-time fire service pay lower premium than people who reside in towns with just a volunteer fire service. Furthermore, the nearness of your house to a fire station or hydrant will affect your homeowners insurance rate. If your home is closer to such facilities, you'll pay lower rates.

2. Don't buy a house in a neighborhood that has a high crime rate. Insurance companies consider homes in such places as high risks and high rates are the unavoidable result. Two homes just a street away from each other could fall into different risk zones on insurers' map. You can call up an agent or insurance office and ask. A home could be on the borders of crime districts and therefore result in adjacent streets being counted to different zones as far as crime rate is concerned.

3. You will save more if you buy a house as close as you can to a police station. If you reside very close to a police station you would have a lower risk of burglary, for instance, and you get more affordable premiums if you're a lower risk.

4. This is important even though it's not part of a homeowners policy. You'd have to buy flood insurance at up to $400 every year if you have a house in a flood-prone location. Every mortgagor will expect that you buy it if your home is in a flood-prone locality. You will such unnecessary expense by go for a house in a place that isn't prone to such.

You can see savings of hundreds of dollars on your holiday home insurance policy by obtaining insurance quotes from sites. The best method is to visit not less than three quotes sites and making sure that you input the same (correct) information about yourself.

I advise that you use not less than three quotes sites since it will make it less likely that you'll miss out better quotes not given by the other sites. This gives you a broader basis for doing better comparisons thus increasing your chances of better quotes.

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Second home insurance tips can help you to get the right protection at the best price on your holiday home insurance. There are many different factors that would need taking into consideration when looking for and choosing your insurance policy as protecting your second home is very different from insuring your main property.

The following tips should help you source the right deal ...

One of the first factors is to get an estimate as to how much it would cost to totally rebuild your second home if it should be totally destroyed. You can roughly calculate your rebuilding costs by using the building cost calculator for homeowners on the Association of British Insurers (ABI) website. However, also getting a professional valuation could be prudent as neither do you want to over insure and pay more for your cover, or under insure which could mean you had to dig into your own pocket before rebuilding could begin.
One of the most important second home insurance tips to follow is to check the terms of any policy you were considering regarding letting. If you plan on having the property as a second home and also wish to let it out during the times you are not there, check that this is allowable within the terms and conditions.
Make sure you know exactly what the coverage entails. The majority of second home insurance cover would provide financial protection against such as fire, theft, storm damage, flood and damage by vandalism. However, many more features can be found within the cover, as well as exclusions, so make sure you are fully aware of both the features and the exclusions. You should check to see if accidental damage to the property was included in the cover. This could include the home contents and the actual building itself. If you are planning on renting out the home as well as using it as a second home this should be considered an important part of the policy.
If you are planning on renting out the home then make sure that legal and personal liability cover is included in the policy. This will pay out a sum of money if anyone should get hurt while staying in your second home. Without it your legal costs could mount up to a considerable sum which you would have to find yourself.
Another of the essential second home insurance tips to take into account is the amount you would choose to insure for the contents of the home. While of course larger items such as TVs, washing machines and freezers would be taken into account, do not forget about the many smaller items that are often hidden away in drawers and cupboards. All of the little things add up and if you were to lose everything then of course you would have to replace them. If you are underinsured, then the extra amount would have to be paid by you.
Finally, using a specialist second home insurance broker can help you access a good deal. By drawing on their expertise, you can get the right cover at the right price.

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Have you ever wondered if the drying contractor you were working with on a water damage claim REALLY KNOWS what they were doing and why they are doing it?
If you haven't, YOU SHOULD!

There is one way to make sure the drying contractors you work with on your losses know what they are doing... See how they answer these questions!

1. What extraction tool do you use?

o When?

There are many different kinds of extraction tools. The most common is the "carpet cleaning wand". This wand comes with all truck mounted units when they are bought so naturally it is the most popular. If you are going to dry the carpet and pad in place, you must have a self-propelled extractor that you ride. The carpet cleaning wand is only effective on glue down carpet. It is easier to extract then to evaporate and this is why the extraction tool is so important.

2. How many CFM does your truck mount / portable extraction unit have?

Either a truck mount unit or a portable extraction unit that can outperform a truck mount is preferable. It is also important to know that for every foot of 2" vacuum hose you have connected you lose 1 CFM. Water should never be extracted with a 1 ½" hose. When the hose is reduced by ½" the amount of vacuum is reduced by 1/3. This is very critical when trying to dry the carpet and pad in place. Any reduction in vacuum will reduce the amount of water that is pulled out. This will further increase the drying time.

NOTE: IT IS 500% EASIER TO EXTRACT THAN IT IS TO EVAPORATE!

3. When do you float carpet and why do you need to float carpet?

o If leaving the carpet in a structure, how do you dry it?

Floating carpet can cause it to delaminate or to fray at the edges. If carpet is allowed to bounce up and down on the tack strip, the edges will fray and you just bought carpet. What if your restoration company could dry carpet and pad in place and reduce the cost of your claims. Reducing the cost of your claims is our goal. Since carpet and pad is the majority of the cost on many claims, by drying the carpet and pad in place along with the rest of the structure, we can drastically reduce the cost of your claims.

Floating the carpet is a thing of the past and should almost never be done. It will actually slow down the drying time by floating the carpet.

4. When is carpet most susceptible to delamination?

o Wet or dry?

Most of the time, delaminated carpet is the result of the way it is handled while wet. Carpet is 70 - 80% weaker when it is wet and thus it can delaminate very quickly in a water damage situation. If the carpet and pad are left down to dry and not disturbed, the chances of delamination are almost none. There have been tests done by the carpet mills that show after a carpet has been wet and dried, in a reasonable amount of time, the carpet is actually stronger than before.

5. What kind of dehumidifier(s) do you use?

o And why?

There are four different types of dehumidifiers used in the restoration industry. In my opinion, only two of them can actually dry a structure rapidly. If one of the first two style of dehumidifiers are used it is a waste of money and time.

1. Standard Refrigerants - Homeowners and professionals, in some cases, use low capacity standard refrigerants. They are not built for the excessive transportation involved in commercial usage. When temperatures drop below 68°F, ice will start to form on the coils, as the temperature drops, eliminating any dehumidification. These dehumidifiers are only capable of pulling the grains of moisture inside the drying chamber down to 55-60 gpp's (grains of moisture per pound of air). At this point, dehumidification will stop. The energy efficiency is about 2-3 pints per kilowatt.

2. Conventional Refrigerants - Conventional refrigerants have a "defrost" cycle. Heat pipes in this refrigerant are a pair of coils sandwiched around the evaporator of a refrigeration system. They contain refrigerant and transfer heat around the evaporator without the use of compressors or capillary tubes to prevent icing. The warm air that enters the evaporator is cooled by the first heat pipe. This absorbed heat travels to the second heat pipe, which is cooled by the air leaving the compressor. All this means is that the dehumidifier will not freeze up in temperatures as low as 33°F. They work exactly like a standard refrigerants otherwise. They also, can only pull the gpp's down to 55-60.

3. Low Grain Refrigerants (LGR) - The incoming air is pre-cooled by re-directing air leaving the evaporator back through the inlet air chamber. This pre-cooling is what makes LGR's work so efficiently. The heat transfer is accomplished without additional energy consumption. LGR's pull the grains of moisture down to 32-35 gpp's. They also contain a defrost cycle. There are two types of LGR's on the market today. Heat pipe design with an energy efficiency of 3-5 pints/kilowatt and the recuperative design with an energy efficiency of 5-7 pints/kilowatt. As you can tell, the recuperative design is much more efficient in the amount of energy it pulls and in the amount of water it pulls. The LGR's with the recuperative design will actually pull less electricity than most conventional dehumidifiers, blow more air, and pull more water.

In 2005 the Phoenix Corporation came out with a Low Grain Refrigerant that can also operate efficiently in high heat. The Phoenix 200 HT. This is the most efficient refrigerant dehumidifier on the market today. In May 2006 Phoenix introduced a performance amplifier that will sit on top of their 200 Max's and 200 HT's. The performance amplifier will increase the efficiency of the dehumidifier from 40 to 400%. These two new products together will allow us to dry structures even faster than we were before and tear up less of the structure in the process.

4. Desiccant dehumidifiers - take water out in the form of a gas. Desiccants work best outside the drying chamber and in cold temperatures. Desiccants do not work well in high temperatures. They can pull the grains of moisture down to 10-15 gpp's or lower. Most desiccants used in the restoration industry contain silica gel. This is a highly absorbent compound. Desiccants work well when drying a crawl space, wood floor, large structure, etc. When drying a crawlspace with a desiccant then you would never want to positively pressure the crawlspace. Since desiccants can be set up positive, negative, or neutral you must know how and why to set one up properly. Even though there is no better dehumidifier than a desiccant only about 1% of the drying companies own any. There are three main reasons:

o The cost of buying a desiccant is generally much more expensive than the cost of several refrigerants.

o The electrical requirements are usually such that they require an electrician for hook up.

o The time it takes to set up a desiccant is greater than the time it takes to set up a refrigerant dehumidifier.

6. How do you determine how much dehumidification you need?

First of all, we like to create as small of a drying chamber as possible so that we can use the least amount of equipment possible. This is done by the following:

o Closing doors

o Putting up Plastic to separate areas

o Make sure all doors and windows are closed

After making a drying chamber then figure up the amount of cubic feet of air to be dried. You can then determine what size and how many dehumidifiers will be necessary to dry the job. There is a chart included on the next page that has the formula for figuring how many dehumidifiers and what style are needed.

7. How do you determine how many fans are needed on a job?

Fans should be placed every 12 -16 feet in a circular motion around the room. They should be placed as close to the wall as possible at a 45 degree angle. Doors should be removed from the hinges so that air circulation does not get trapped behind the door. When carpet is involved one fan can be placed in the middle of the room on a stand pointing down.

8. What type of meters are used?

o Floors

o Sub-floors

o Walls

o Psychrometric Readings

o Infrared Thermometer

There are a variety of meters on the market today. You can test building materials with pinless meters or meters that have pins. The pinless meters are preferable because they do not damage the wall in the process of checking for moisture. There are also various other meters such as infrared thermometers, hygrometers, moisture probes for carpet, hammer probes for checking wood floors, etc. A good drying contractor will have many different types of meters and will know how to use them.

9. Do you use psychrometrics on EVERY drying job?

o If so, what does psychrometry tell you about your job?

Using psychrometrics on EVERY drying job will tell you if the job is set up to dry. It will not tell you if it is dry or not. If you are keeping a psychrometric chart on every job it will tell you many different things:

o Whether or not the dehumidifiers are pulling water and functioning properly

o If you have a drying chamber

o If you have enough equipment

o Whether or not the A/C is pulling water

o Shows how the equipment is performing in relation to what is happening outside and in the unaffected areas

10. If there is moisture under vinyl, how do you dry it?

o How do you dry behind vinyl wallpaper or a vinyl floor?

To dry the floor under the vinyl most of the times it is necessary to remove the vinyl. To dry the wall behind vinyl wallpaper, most of the time you will need to remove it. However, sometimes you can get to the wall by removing the baseboards and blowing air up in the wall. It will even dry faster if you are able to let the air out at the top of the wall. This will allow the wet air out of the wall while you are blowing in more dry air from the bottom, thus drying the wall extremely fast.

BONUS:

How often do you check your water damage jobs?

It is important to check the jobs at least once every 24 hours. There will be fans that need to be moved around and questions from the homeowner that need to be addressed. We check all water damage jobs at least once a day. This includes weekends and holidays. Jobs that are close to us will sometimes be checked two or three times a day. These jobs usually dry faster than a job across town. If a company does nothing else we have previously discussed they can still speed up the job by just checking it every day.

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It is amazing how many people just receive their insurance renewal when it is sent out each year and pay it off without a second thought!

But, at the back of their mind, is this niggling feeling of discontent about the amount they are paying. Unfortunately many feel there is nothing they can do about it, they are literally being held to ransom by the insurance companies.

If you drive then you need insurance, that is for sure. So what can you do if you feel you are being overcharged or you would just like to check that you are being charged a fair price?

The Internet has revolutionized the possibilities for finding more choice for things like car insurance. It is now possible to browse from the comfort of your own home and use some of the many sites available to help you select an insurance policy that is right for you and get the best price in the process.

For many the Internet is still somewhat a mystery, but most people can find a friendly person to help them on line. To get the best deal for you insurance it is vital to get on the web and search the many discount insurance providers that now exist.

Traditionally insurance was sold by agents who only dealt with one insurer, thus you had no choice when you renewed your policy. If you stayed with the same agent then you stayed with the same insurer and so had no chance of getting a better price.

Now on line there exist many discount brokers who deal with many different insurance companies, they offer you the chance to view all the different prices which are offered to you and your vehicle. You can also choose from many different options for the type of insurance and extra features you can get with your policy.

This choice is fantastic news for car owners and many people are still shocked when they realize just how easy it is to save hundreds even thousands each year on their premium.

The discount brokers are able to offer such a good deal because many only exist as an on line operation, thus no local office to run and less staff.

If you want to make your renewal cheaper this year then start today, get on line and search for a discount broker who services your county. There are many available so shop around until you find the very best price. You could save yourself enough cash to have a nice holiday or even buy a special gift for a loved one.

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Many people decide to take their pets with them when they travel rather than leave them in some kind of boarding facility. It is understandable. After all, they are family members too. If you're willing to put in the extra work necessary to bring the pets along, it can be quite a success. Hopefully you don't make the mistake of thinking it will be completely smooth sailing. There are some things you may not consider until they happen. It takes some planning and preparation to include the pets. Set aside time to do that before leaving.

Pets should always be put in a proper pet carrier that fits their body size adequately. Too little room for moving and turning around will be uncomfortable and restricting. Be sure your pet isn't crammed into a carrier that is too small. Likewise, a carrier that is too big can be dangerous. A pet can get hurt if they are flying around inside a kennel. They should be able to sit and lie down comfortably as well as turn around. However, you don't want them on their feet a lot so that they lose their balance.

Bring dishes for your pets that are travel safe. Most pet stores have dishes that are flexible and collapse when not in use. They are made from a non-breakable material so they simply fold out when you need to use them. Keep a bottle of water in the car with these dishes, especially during long trips.

Keep an eye on the time and stop at regular intervals for bathroom breaks. Don't make the mistake of assuming your four legged friend doesn't need to go. Give them the option and allow them a moment to stretch their legs. This is the best time to offer them some fresh water too. Don't give them too much though or they could get an upset stomach.

If you plan on taking your pet far from home, be sure that they have received all of their vaccinations. The last thing you want to do is unknowingly expose them to something in another place. Just like humans need certain shots before travelling to certain places, pets are not so different. It's also wise to consult with your vet first to ensure your destination is safe to bring your pets to.

Many animals are highly prone to motion sickness. Keep an eye on your pets. Some travel much better than others. It doesn't hurt to ask your vet for something you can give the animals in the event that they do get an upset stomach. Nothing ruins a family vacation quite like a pet that is vomiting or otherwise ill. If you know you have a pet that is sensitive to motion, it's best not to bring them along.

Travelling with your pets is fun for everyone when it goes as planned. Stay on top of everything from health to fresh food and you can focus on fun instead of setbacks. And the best part is that your pets can get in on the fun too.

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You know how your mother always tells you to wear clean under wear in case you're in an accident, that's kind of what travel insurance is like. You have to have it just in case because should something unfortunate happen (cross your fingers, turn in a circle three times to the left and spit on your right shoe for luck) you are really going to want to be covered for it.

Something that you tend to think very unlikely but that is actually quite vital is medical emergency coverage. No one thinks that anything bad will happen to them while they are on holiday. Holidays are supposed to be happy times, nice, fun and relaxing times. No accidents will happen; no one will get sick, no legs or arms will get broken, no one will fall off a mountain and no one will need emergency triple bypass heart surgery, in an ideal world, which this is not. Which is why every morning we all make sure we put on clean underpants with no holes in them and why we should all buy travel insurance.

Accidents have been known to happen all the time that is the nature of accidents, their very essence. You don't even have to be on an action adventure, adrenalin-seeking holiday to go looking for trouble. Trouble can come looking for you in the quietest and most serene of destinations. Do you know how badly you can damage your muscles and ligaments at a yoga retreat if you don't do the positions correctly? At some places, at most retreats actually, you practice yoga outdoors, a bee could sting you and you could be allergic to bees. And yoga retreats, the proper kind, are quite far away from civilisation. Could take a while to get you to a hospital, you'll definitely need emergency care then. It would not be cool if they turned you away because you didn't have cover. Or perhaps they're actually a good hospital, more interested in helping people at first, than making money, but the bills will come. It would be nice to be covered for some of them.

Another example, you could be enjoying a nice island holiday, avoiding any dangerous activities like diving and snorkeling and paragliding. You could just be wading in the nice warm water and step on an anemone, which can be mighty poisonous. Going to want to be covered for that hospital stay, which could be lengthy while you recover. You might ever need to be transferred to a bigger and better hospital. You're going to want to be covered for some of that. Children jump on rocks, they jump on trampolines and they fall and they break arms. Sometimes strokes and heart attacks to happen. It's always best to be prepared.

There is also lost baggage insurance. This is little consolation when you've lost your entire winter/summer wardrobe, and you have no clean under with which to heed your mother's accident precautions. It does even less to calm your nerves and your anger and your frustration. Not even shouting at the hapless person behind the baggage claims counter helps that, well it does a little but then you just feel bad for yelling at someone who can't help their job and that makes you feel worse and makes you want to yell at someone else, and maybe kick something. But it does mean that you can at least buy some more clothes so the situation is not entirely lost. You can look at it as a good opportunity to up date your wardrobe and you were probably meaning to throw out half of your stuff anyway, you just never got round to it.

And then there is car rental insurance. Very important but only if you are going to rent a car. If you are not going to rent a car, you do not have to bother with this one. If you are going to rent a car it might be a good idea to get all three that way if you're in an accident, say another car accidentally drives into the back of you and pushes you into a river, and you are injured and some locals have to pull out and they only just manage to do it before the car is washed away. You are covered for your car, lost baggage and medical expenses. And if you were really smart and took your mother's advice you would have been wearing clean unholy underwear and would have nothing to be ashamed of. You're smiling all the way.

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A dog is a man's best friend but it is not always true the other way round, which means that a man might not always be a dog's best friend. If you carefully consider the facts about having a dog as pet at home, then you will notice that it is the owner who reaps the maximum benefits. After all, it has been proven that after a stressful day at work, the best way to unwind is to have a loving pet welcome you home each day. A dog will be your best and most loyal companion irrespective of the state that you may be in. Our friends and family may not always be around when we need them but it is extremely improbable that your pet will leave your side when you need it. Now, considering all these benefits, if you measure the amount of love, affection and care that you bestow upon your beloved dog, you will realize that you always fall short. Most of our decisions and reactions towards our pets are selfish, prodded by our own need for love, affection and companionship. So far the situation still seems normal enough, but when a pet is sick and needs care and attention, then any conscious pet owner will abhor making a selfish decision but might be forced to due to limited finances available. Such a situation may be avoided if you opt for a dog health insurance for your beloved pet.

Many companies offer pet insurance and have various plans for dog health insurance but it is the right selection which matters at the end of the day. As a dog owner, you must be willing to put in the required amount of time in selecting the best pet insurance company after judging the options available in the market. The best method to short list a company for your dog health insurance, is therefore through the reliable source of yellow pages or better still, the Internet.

Once you have shortlisted a company, you could simply fill in their online application form and get the necessary quotes on a dog health insurance plan. However, only after comparing the rate of premium, advantages offered under each plan and the coverage provided by the company for your pet, should you decide on the most suitable plan. The age, breed, gender, physical and mental health of your pet will play a crucial role in helping you opt for the best pet insurance plan.

A reputed and reliable pet insurance company will offer much more beyond the usual accident and illness coverage on the dog health insurance plan. Regular visits to the vet, treatment for hereditary diseases, accident coverage, coverage for canceled holidays due to severe illness of the family pet, advertisement cost for a lost pet, etc. are some of the options which you may want to consider for a fool proof insurance plan. Hence, consider your situation and the likely incidents which may occur to you as pet owner and accordingly go for a dog insurance that will insure the best care for your pet under all circumstances without any financial burden on you, ever.

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There are many automotive accessories that are both functional as well as decorative. A steering wheel cover is one of these items that serve a purpose while also looking nice. Many people might assume that they do not need a steering wheel cover since it is not their personal preference. However, if you live in a place with drastic climate changes then it is something that you should have in your car. Buying a steering wheel cover does not require a lot of time or information. It is all about personal style and practicality.

A steering wheel cover is designed to protect the steering wheel from the harsh elements. The material used for most steering wheels can become aged sooner when exposed to the seasonal environments. When it sits in very cold temperatures it can actually crack which will only lead to further damage. Not only does a wheel cover help to protect your car, it can also be a decorative way to show off your personal style.

Most steering wheel covers are sold at a very reasonable price. They can be found for as low as a few dollars or as high as fifty dollars. A lower cost wheel cover might not last as long due to lower quality material so keep this in mind when making your selection. Higher priced items generally last longer because they are of higher quality material and stitching.

It is important to take a proper measurement of your steering wheel before you order a cover or head in to the store. If you get the wrong size you might be stuck with something you can never use or you will be faced with the frustration and waiting associated with returning it. Use a tape measure to measure the full diameter of the wheel to get the best fit.

The great thing about a steering wheel cover is that you can select one that really shows off your personality. From Disney characters to your favourite hockey team, there is no shortage to the types of covers available. Whether it is bright animal prints that you enjoy or something plain and more subdued, you should have no problem finding it.

Drivers that frequently experience pain or discomfort when driving can find relief in an ergonomic steering wheel cover. It might cost a little more than the regular ones but the added grooves for wrist and hand support might make it worth it.

If you are not all that picky about the steering wheel cover that you get, you will easily find some in the auto section of your local Wal-Mart. However, if you want something personal that reflects your tastes, check out internet sources for more variety. From cow prints to neon zebra colours, wheel covers are a fun way to add a splash of funk to your car.

A steering wheel cover makes a great gift idea for the person on your list that may be hard to buy for. It is something that can be used by virtually everybody so keep that in mind when the holiday season approaches.

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The greatest fear for the average traveller, aside from the obvious disasters that can descend upon us when taking on the feat of flying abroad, is losing their luggage. Although the majority, if not all, of travel insurance providers offer cover for baggage, it is not always clear what the policy actually covers, particularly in the case of delayed baggage.

Independent financial research company, Defaqto, discovered that even though a range of single-trip insurance policies they had looked into offered some coverage for luggage, there was no information or indication as to what would be offered in the instance of baggage being delayed. In fact, 14% of the policies they examined offered no cover at all for this particular occurrence. Lost or delayed baggage is one of the most common side-effects of overseas travel at great expense to the traveller.

The cost of a delay in obtaining your baggage, especially when the mishap occurs at the foreign destination to which you are travelling, can be extremely expensive as well as damaging to health if the items in the baggage include medication, which requires regular administration. The majority of travellers affected by this misfortune will be obliged to buy a change of clothing in addition to other essentials, such as toiletries, items needed if travelling with young children and babies and possibly mobile phones.

The research conducted by Defaqto revealed that in the case of 40% of single-trip policies, the maximum amount that would be paid out in order to recoup the losses from delayed baggage is £100. Items that are not deemed as those that are necessary to be reimbursed include, credit cards, tickets, keys; electronic or computer equipment, mobile phones; antiques or collectors items and gifts for friends and relatives; medical or dental devices such as prescribed medication, hearing aids and artificial teeth; and contact lenses or sunglasses.

However, a great number of those affected are unaware of the fact that they are entitled to compensation. It is therefore extremely important to check through your travel insurance policy carefully to ensure that your luggage is fully insured in every instance, before you fly. Travellers both for business and pleasure are advised to shop around, both in branches as well as online and through private brokers, in order to find the best deal and one that does cover all eventualities.

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The biggest fear for the average traveler, apart from the obvious disasters that may come down to us if the transfer of power to fly abroad, lose their luggage. Although most, if not all offered by providers of travel insurance cover for luggage, is not always clear what the policy actually covers, especially in the case of baggage delay.

Independent Financial Adviser market research company, Defaqto, has discovered that, although a number of individual travel insurancePolicies, which had looked at offered some coverage for luggage, there was no information or indication as to what will be offered late in the case of baggage. In fact, 14% of the measures under consideration have offered no cover for this special event. Lost or delayed luggage is one of the most common side effects of traveling abroad, at great expense to the traveler.

The cost of delay to get your luggage, especially if the accident occurs in foreign policyGoal to which you are traveling, it can be very expensive and even harmful to health, if the elements of drugs that require regular luggage. The majority of passengers are affected by this disaster requires a change of clothes in addition to other essentials such as toilet buy, which is necessary when traveling with small children and babies and, possibly, Mobile Phones.

Defaqto's research study found that in the case of 40%Policy of a single street, the maximum amount that would be paid in order to recover the losses incurred by delayed baggage is 100 pounds. Objects that as such, it is not necessary to assume, will be refunded, credit cards, cards, keys, electronic devices or computers, mobile phones, antiques and collectibles and gifts for friends and family, medical or dental devices, such as prescription medications, hearing aids and artificial teeth and contact lenses or glasses.

However, alarge number of people involved are aware that they are entitled to compensation are not known. E 'therefore extremely important to check carefully your travel insurance to ensure that your baggage is insured in any case, before flying. Travelers for business travelers and tourists advised to shop around, both in stores, online, or through private intermediaries to find the best deal and do not cover all eventualities.

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To you, it's just your home, but to an insurance company and their arcane policies, it's not just a "structure", but potentially several "structures", each of which must be assigned the right insurance policy coverage to make sure your home is protected from disaster. And don't foget your personal possessions are another matter unto themselves!

The rates you pay for your standard homeowners' insurance policy includes the following essential types of coverage. These are:

1. Coverage for the structure of your home.

2. Coverage for other structures.

3. Coverage for your personal belongings.

1. The Structure of Your House

Coverage for the structure of your house is the part of your policy that includes repairs or rebuilding if your home (dwelling) was damaged by fire, hurricane, hail, lightning or other disasters listed in your policy. Your "dwelling" typically includes your house, attached structures and fixtures in your house such as built-in appliances, plumbing, wiring, heating systems, and permanently installed air-conditioning systems. This coverage does not cover damage caused by floods, earthquakes or routine wear and tear. When you buy your homeowners' insurance it is very important that you purchase enough to rebuild your home.

2. Coverage for Other Structures

Most standard policies also cover detached structures such as garages, storage sheds, and fixtures attached to the land such as fences, driveways, sidewalks, and retaining walls. These kinds of structures are usually covered for about 10% of the amount of coverage you have on your home. If you believe you need more coverage on these structures, make sure you talk to your insurance agent. If a detached structure is used for a business purpose, it is not covered under a homeowner's insurance policy.

3. Your Personal Belongings

Items such as furniture, clothing, and sports equipment are covered if they are stolen or destroyed by insured disasters. Some policies may have limited coverage for small boats but not motorized vehicles unless they are unlicensed and only used at your home. Some belongings or items may have limited coverage. These could include artwork, firearms, electronic data and money. Usually you have 50% to 70% of the amount of insurance you have on the structure of your home. It is very important to conduct a home inventory to determine if you have enough coverage to replace these belongings.

Many people learn after a storm or fire that they didn't have enough coverage to replace their belongings. After a catastrophe, would you be able to remember all the possessions you've accumulated over the years? Making an inventory will help you decide on how much coverage you actually need. Start by making a list of your possessions, describe each item and note where you bought it and its make and model. Include all your sales receipts, purchase contracts, and appraisals. For your clothing, make categories and note items that are especially valuable. When it comes to major appliances and electronic equipment, record their serial numbers.

If you are just setting up a household, starting your home inventory can be simple. If you have lived in your home for years, the idea of doing a home inventory can be daunting. Start by going room to room. Note recent purchases and do your best to remember what you can of older items.

Your inventory can be documented by photographing each item or by making a video tape. Make sure to store these documents in a very safe place, not in your home. You can download free home inventory software at http://www.knowyourstuff.com. Better yet, keep your records and digital photos inside a free KeepandShare account. Read about using KeepandShare for home insurance inventory.

Costly items such as silverware, jewelry, and furs are covered but there are usually dollar limits. Your coverage even includes "accidental disappearance," meaning if you lose the item it is covered by your policy. However, there is no deductible. To insure expensive belongings for their full limits you need to buy a special personal property endorsement.

Trees, plants and shrubs are also covered under the Personal Belongings part of your policy as long as they were damaged by insurable perils. They are not covered if the damage occurred from wind or disease. The coverage is usually 5% of the insurance on your home.

Your policy also includes off-premise coverage anywhere in the world. Sometimes the limit is 10% of the amount on the policy.

Your policy should include up to $500.00 of coverage for unauthorized use of your credit cards.

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A business plan does not need fancy graphics or phrases perfect to be effective. Can be as simple as something on the back of a napkin or as complex as a 100-page document.

In any case, if the business plan include the following nine basic components.

1. A brief description of the company, industry and industry trends

You do not need hundreds of hours of research to get this.Easy to what your company is doing the industry in which it operates, and what are the key trends in this area that could affect positively or negatively on your business.

2. A mission statement

Short and sweet, this should be something about your products or services above, the person or company that targeting and the primary objectives and values of your company. Here's an example of a hairdresser Luxury: At Hair Affair, weoffer a wonderful and hair styles for those who live or work center. When you create a new look or enhance a well-known one, we are determined to build confidence in themselves and clients to ensure their satisfaction.

3. A bio of the owners, consultants, managers and / or investors in the company

Do not go crazy here. Simply add the name of the key players and one or two sentences about their competence and experience of management. Then, if necessary, can be measuredCurricula for the business plan.

4. A brief description of the day to day operations of the company

Describe how the workflow inside and outside your company. If yes, describe the main suppliers / sellers who rely on products and supplies can be bought from them, and the payment terms you have with them and with your clients or customers.

5. Start-up costs

Shows much does it take to get the businessto reach the ground and break-even point. Not only a large number of shares, break it down into smaller groups of expenditures and details of how you come with me that money. For a simple start-up costs of the worksheet, www.simplebizplanning.com visit / forms.htm and download the form free, that through the typical start-up costs, item by item does.

6. Cash flow

Add a simple table that shows how money will flow to and from your business. At least one projectthree years (a further, and the number) are usually wild guesses. For an easy to use cash flow worksheet, www.simplebizplanning.com visit / forms.htm and download the form free.

7. A brief description of what makes your product or service unique

Describe what makes your company stand on the market. Show us what you offer that the product or service stand out from the competition.

8. Analysis of competitors

Included is a short sentence on top of your direct competitors, to outline the strengths and weaknesses and show how you stack against them.

9. Marketing Plan and Strategy

Use draw the price points that you have chosen the type of marketing to connect with potential customers and clients in touch, and keep your overall strategy to bring in companies and then. Be more specific here.

That's it! There are nine points that you needto cover a craft dynamic business plan.

If you plan to start a business, buying a business or expand a business, the moment you begin, you begin to put the structure and shape to your ideas and dreams. Do not wait, a plan for a lender, investor or partner makes writing central. Do it today ... do it for yourself!

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