Cheap Car Insurance and Car Safety – When to Make a Claim

The question of whether or not to make a claim on your car insurance policy is one that often bothers policyholders on the assumption that they may be better off financially in the long-term if they don’t make a claim, if the amount is reasonably small, and by not making a claim they will therefore save money on their car insurance premium in the long-term. This can often apply to minor scratches or problems, that may be your fault or someone else’s fault. It may well be something like the loss of an aerial, or even potentially a minor crash with car another where both parties agree that it is in their interests not pursue it further and not make a claim on their own insurance policies.

This thinking is potentially quite dangerous for one very simple reason. If you are a motorist and are involved in any incident that could potentially give rise to a claim under your own policy you are obligated under the terms of your insurance policy to notify your insurance company even if you do not subsequently make a claim. People assume that they only need to notify their insurance company if they intend to make a claim. This is not true. Your insurance company needs to be notified either at the time you actually knew that there had been an incident under the policy which could have given rise to a claim.

This does not mean that the insurance company will automatically charge more tax at renewal, or that you will automatically lose your no claims bonus. It works on a very simple principle that the insurance company use when assessing risk, and the risk involved when deciding to insure you in the first place and at subsequent renewals. The insurance company will assess a risk and as part of that risk assessment they need to know any incident that happened would be considered able to be claimed under the policy.

The position for a policyholder is very simple. If your car or vehicle is damaged in any way in such a state that it could potentially give rise to a claim on the policy you are obliged to notify your insurance company, or your insurance broker if using one. It is then a separate decision whether or not you decide to go ahead and claim under the policy and process such a claim from your insurance company. If you do decide to make a claim, then it is likely that it will affect your renewal premium and your no claims bonus discount that may be applicable to you on your car insurance policy.

If you decide not to make a claim, this will not affect your no claims bonus, but depending on the severity of the incident itself your insurance company may decide to increase your car insurance rate unilaterally. In most instances there will also be a policy excess, which can be quite significant and as such is not worth your while claiming under the policy anyway. Having an awareness of what your policy conditions are and what coverage is available and what your excess is will give you the information you need to have in order to decide whether to make a claim or not.

There is an exception to this principle which is that most insurance companies will allow you to make a claim for your windscreen or windshield if it is damaged or completely smashed without the claim affecting your policy. This is pretty common in the car insurance industry, and is a safety factor designed to allow you to drive safely without it affecting your no claims bonus or the cost of your insurance premium if you do have to make a claim on your policy.

3 Tips For a Budget Holiday Road Trip

Looking for budget travel plans for your next long weekend holiday? A road trip might be your best shot!

1. Rented cars is the most economical solution for road trips.

Car rental companies normally offer a variety of ‘holiday car rental’ packages for holiday travelers to select from. These packages have to be affordable for travelers who are on budget and also wants to have a free & easy driving holiday.

Holiday car rental has been appealing to seasoned travelers and lately has attracted younger travelers that want to explore places that are less travelled. Competitive holiday car rental rates help travelers to save money and enable them to go to places less-travelled where ordinary holiday travelers are unable to explore.

With the advent of intra-Asia travel, holiday car rental will continue to grow as it offers the benefit of leisure travel at individual pace. As a result, many rental companies are aggressively marketing their holiday car rental program to meet the discerning needs of travelers. Several rental companies have seen double digit growth and demand continue to increase for this segment of the business.

2. Plan your route wisely. Use Google Map or GPS Navigation.

A traditional way of planning your driving route is to purchase a printed map from a bookstore. Today, it is a lot more convenient to just route your journey on Google Map, then just print out the map with specific driving directions. But for the adventurous travelers, a GPS navigation system is their best choice. And more than often, a GPS Navigator is included in your rented car for just a little extra money.

3. Travel packages for overnight trips – Low cost and safety.

If you are planning an overnight stay, then you should check with your rental company for any travel packages available. Many do offer competitive travel packages to attract budget holiday travelers. Working closely with travel agencies, they are able to offer special rates on hotels, motels and inns, which sometimes also provide occupants with complimentary breakfast.

It is also usually safer to go with the hotels, motels or inns associated with your rental company. Their relationships with your rental company should indicate that they meet a certain quality standard and are more trustworthy.

Car Rental Rates – How to Get the Best Car Rental Rates

Car rental rates are obviously dependent on which dealership you opt for and how long you need the vehicle for. To get the best car rental rates you must be certain of the period in which you are going to require the vehicle for. For example, you would not want to rent a car for 3 days, to find out you need it for an additional 3 days this is where dealerships will charge for days the vehicle is required for, at their daily rate; savings are to be made when you book for a week if there is any chance of requiring the vehicle for longer. Agencies operate on weekly and daily rates; it always pays to look into the weekly rate as this is usually lower than a per day rate.

If you want to find the best car rental rates you must shop around. Car rental rates are constantly changing due to supply and demand and obviously change in line with the season. You will need to book far in advance should you want a rental car over any holiday period. Make sure you enquire about special holiday rates as some rental agents will give away a day extra for free over these periods. Make sure you are certain of you required dates over these periods as agencies cancellations over these periods will incur large fees.

To find the best car rental rates when it comes to long distance trips, it pays to book well in advance and ask your travel agent of any deals that are not publicly advertised. If you are planning a road trip to Las Vegas for tonight, you’ll have wanted to have booked at least a week ago to get the best rates and avoid disappointment. Remember that reservation only guarantees a reserved rate, you must specify if you are after a specific vehicle.

If you think the weekend car rental rates you are getting are too good to be true, then they probably are. You will want to ask for any hidden costs, such as insurance, state taxes, varying fees for drivers of different ages and refueling charges. Ask your rental agent of any compulsory insurance fees, as these hidden costs are generally what makes the advertised costs so well, read the disclaimer! Some states in America give rental car agents permission to charge extra fees on their rentals to cover the costs of licensing their cars. This is fee is generally 6% of the total rental costs. The majority of states in America do not require rental agents to inform the customer of this fee, so make sure you ask before hiring.

To get the cheapest, most value for money rental car rates you will need to shop around, be sure of the duration you require the vehicle for, make sure you ask about any hidden fees and always book well in advance.

Important Tips and Ideas for Bathroom Remodeling

The bathroom is usually a smaller room in a home. But someone can’t deny the importance of this room. It is the room which is used on a daily basis.So, it is important when anyone does bathroom remodeling because the goal should be to make the space more pleasurable as well as easier to use. Simple things can produce rich and great results in bathroom remodeling.

There are some important tips and ideas regarding bathroom remodeling which can add value in the overall look and feel of your bathroom.

Plan before the bathroom remodeling work is started. It is not an average work so it would take little time and thinking. Prioritization is very crucial in this area. So, consider the most important parts of the bathroom first and then others if your budget allows it to do.

Hiring the home remodeling contractor or any specialist in this field is a good idea. If the work is not very difficult and tricky when remodeling, then someone can do it individually and it can be inexpensive in terms of the budget. However, it is important to consider a specialist worker for difficult and more professional work like plumbing and electric wiring, because this work is better handled by the home contractors and professionals.

Another important tip in terms of the budget especially is the comparison of different materials required in bathroom remodeling. It will take little time but in return it can be very helpful in terms of the budget. Someone can select the best required material and save a lot on the budget by comparing the different quality materials and their brands.

Saving space is the most important issue for smaller bathrooms, but considering saving space can be useful in bathrooms of larger sizes as well. One important idea is to install a wall mounted toilet instead of traditional floor mounted toilet. Wall mounted toilets have their tanks attached within the bathroom walls, which gives approximately nine inches of extra bathroom space. In addition, wall mounted toilets look more attractive and elegant than the traditional toilets. Similarly, by physically creating extra space in a bathroom, anyone can remodel a bathroom.

A well installed and organized lighting system can make the bathroom spacious and elegant looking. If there is natural sunlight shining in your bathroom, then make a window there for lighting; make sure this light remains here as long as possible. A well lighted bathroom gives an impression of a neat and clean look as well as a bigger look than it is.

Replacing a Tub or Shower is usually the major consideration during bathroom remodeling. Usually homeowners do not properly plan before this task, which becomes costly for them later. Before buying and delivering it to your home, compare its dimensions to the other dimensions of the bathroom. If anyone feels that the shower will not fit then the only option is returning the shower. During the selection of a shower or a tub, it is good to consider more than one piece which can be gathered on site.

One of the most important tips for bathroom remodeling is painting and coloring. A fresh coat of paint gives the bathroom an appearance of a remodeling, when in reality the change is very minor. This can be a great idea for enhancing the look and feel of the bathroom if anyone has a small renovation budget. For wall painting, use the most well-known and special brand of paint which is moisture resistant. It is a very good idea to check the quality and brand of wall paint. Anybody can discuss it with the contractor as well.

Immersing in New Cultures Through Travel

There is often pressure to see the sights when you travel to a place for the first time. These sights often have more tourists than space for you to move. You may be at the Eiffel Tower, but you share the experience with a few hundred other strangers. Your photos include strangers’ faces and most of your memories include waiting in line.

This may be the price you pay to see the world’s famous sights, but it is no way to experience unique cultures. Travel is not simply taking a photograph next to monuments; it is experiencing something new and far from your comfort zone. Below are some tips to help you get to know your travel destination beyond travel guides and pre-made itineraries:

Go off Book

Having a travel itinerary saves you time and money. You can get a lot done by following your schedules to the minute. Despite this, you can get to know a place better if you do away with overly strict time tables. When planning a trip, make approximate schedules to give you time to savor each activity or place. Instead of taking a tour bus, you may want to experience public transportation and get to know the city.

Choose an Interesting Hotel

You do not have to leave your hotel to experience your location. Some places have well-known hotels with themes and historical value. You can even look at accommodations in an art district hotel. You can very well get to know the true image of a city by visiting artisan and specialty shops around this district. People around these places are usually cultured and interesting to strike a conversation with.

Lose Yourself

A wrong turn into small streets can be scary, but it is an adventure for the true traveler. Allow yourself to be lost one day but make sure you have the money to return to your hotel. This is a good way to walk into quaint little establishments and remove you from places with too many tourists. Even asking a local for directions can have you learning something new about the place in no time.

Try the Local Cuisine

Food is the best and easiest way to get to know a place. Skip the big coffee shop brands and international fast food chains. You can order local dishes on restaurants, but if you want to experience the real flavors of the special cuisine, dine in hole-in-the-wall eateries. You will experience authentic local food while saving money as these places do not often charge big money for dishes.

Travel during Holidays and Festivals

Each place has their traditions and holidays. If you have a flexible vacation schedule, book your trip in time for big holidays and festivities. This is when the locals come out and wear their cultures with pride. There is often a lot of action and activity surrounding special holidays. It could be a learning experience or just a really fun weekend for any outsider looking in.

The world is too big and life is too short to spend it in one place. Splurging on experiences has longer positive effects than spending all your money on material possessions. You no longer have to be afraid of travel expenses. There are plenty of ways to get discounts if you know where to look. Check online resources for features of hotel types such as an art district hotel.

What To Pack For A Weekend In Las Vegas

A lot of people are lured to the beautiful and enthralling Las Vegas in the state of Nevada. In fact, every year, around 35 million tourists flood the city for the shows, gambling and so much more. Typically, the city is considered to be in a hot climate and many people make the mistake of packing for their trip by taking only clothing appropriate for the hot weather. What they do not know is that Vegas can be actually cool, or cold, depending on the time of the year you visited.

Las Vegas, also known as the Sin City, is surrounded by the Mojave Desert, the reason why most people who have not been here believed that flip flops, string bikini and a pair of shorts are must-have clothing items to pack for their trip. The truth of the matter is that while the weather sees soaring temperatures, it can also get cold in the city like most desert regions.

Fall and spring in the city are moderate as far as the temperature goes with highs ranging in the high 70s or lower 80s. Every year in May, the weather begins heating up a bit and the average temperature can hit around 90 degrees every day. However, by June, temperatures are recorded for days end in 100s. The heat is dry making it seem unbearable to those people who have breathing problems. To make things worse, the concrete and asphalt on the Strip is making this dry heat seem even hotter and dryer meaning the temperature on the sidewalks of the city several degrees higher.

When planning to have a weekend vacation during the three hottest months – June, July and August – you should make sure to limit heat exposure every day especially during times when the sun is highest in the sky and giving out most heat. Often, tourists get cold while having vacation in Vegas during hot months despite the warm weather. Being able to know a bit more about the weather of the city helps you in packing your suitcase better for the weather. The most important thing to keep in mind is that regardless of the season you want to travel in, you should always bring a sweater and appropriate shoes for cold weather most especially during the night. When traveling to the sin city during hot times of the year, include thin tops and pants to keep yourself comfortable.

You also need to bring a scarf or hat as covering for your head. Make sure to bring sun block and sunglasses to protect your eyes against exposure to UV rays. When packing for a weekend vacation in Vegas, bring versatile items you can put on quickly in case of rapid change of temperatures. If traveling to Vegas during winter, don’t mind bringing bathing suits unless you planned of staying in a hotel with heated pools. Being prepared for the climate and knowing the right things to pack can definitely make your vacation in Vegas enjoyable and more memorable.

The Right Removal Company For You

Since you have decided to make that big move, you will have to find a removal company that suits your requirements the best. You do have a lot of choices. Some removal companies are quite small. They may be a family affair with a single truck. Others belong to a large network of known brand removal companies.

So how do you decide the right removal company for you? It’s easy. You initially have to decide if you are doing a long distance move or a local move. If you are crossing state lines you may have to use a removal company that is certified as a long haul moving company. The smaller removal companies may not have the personnel nor the licenses or insurance to make an out of state move. These smaller companies may do the actual price estimating of moving your household goods, but may have a contract with a long haul company to actually physically make the move. The local company may provide the personnel to load the truck however.

You have to take into consideration all of these things. So you have decided you are making a long distance move. Next step is to contact some local removals companies and tell them you are moving from x to y and would they please come and give you an estimate of what it will cost you to move your goods.

You should have two different companies prepare an estimate because different people see things in a different perspective. One might see your cupboards and estimate that you have enough dishes to fill 40 dish moving boxes. The next person may see only 30. Dish moving boxes are heavy so they cost a lot per pound to move. Moving prices are based by the pound. Another difference may be the cost they charge you for insurance. One company may require a higher amount of insurance than another company. If one estimator thinks you have some high dollar items he may require that they be shipped with additional insurance. All these additional costs add up.

One other major difference is the hauling of vehicles. Say you chose to have them haul your car instead of you driving it. One company may be able to fit in the back of the removal van. Another company may use a third party to haul your vehicle. Yet another company may actually tow your car behind the van, whether on a trailer or with a tow bar. Each option costs a different amount.

One major discrepancy between estimates is just how you will pack paintings and pictures. There is something called a picture pak consisting of four pieces of various sizes. These are expensive. They recommend you use one pak for picture when in actuality you may be able to pack several in one picture pak. Again these present you with options. When the estimates are finished, you will need to decide which removal company presents you with the best price for your move, and then chose them.

Commercial Loan Calculator Is A Life Saving Tool

A mortgage calculator can be among the best and easiest ways to help you out calculate your various mortgage expenses. They help you determine what combination of elements must get together in order to get the best loan for your financial situation.

When working with a mortgage calculator, keep an eye on the interest rate and the term length you enter as these will really influence your results.

You’ll be amazed at how easy this calculator is to apply, and how much time and frustration it will save you as you figure out your mortgage loan needs.

Florida Home loan Calculator – Here’s What it will Do for You

Analyze your loan payment

Calculate whether you should refinance your mortgage financial loan

Calculate ones mortgage principal

Calculate the affordability of your loan

Calculate what happens when you pay slightly extra on your loan month after month

Calculate the actual APR for your financial loan

Calculate should you pay points to purchase a lower interest rate

Calculate the amount of income you’ll need to qualify

Calculate the financial benefits associated with owning vs. renting your home

Calculate what happens if you use a HELOC to pay for debts

Calculate your tax benefits of your property loan

All over again, it’s hard to spitball your property loan costs. Help it become easy on yourself. Use a mortgage calculator. You’ll be very happy with the results!
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More and more people are using commercial loan finance calculator to easily compare low interest rates and payments. It also helps you work out how much you can borrow and what your payments will be on financial space.

Commercial loan is important to businessmen because they are often utilized in several ways to enrich or boost this business’ stability. It helps you find the brains behind will fit the business’ must have. Some loans are used to acquire new equipment among others are used to put money into real estate properties for business. In your business, there is no harm in while using calculator for your loans or for whatever reason it is, in having the loan application. A refinance is so as to switch to a lower associated with interest or a longer maturity to your loan. The duration of course would be determined by the type of approach you chose. Usually, second mortgage rates are higher than refinance mortgage rates. That is why refinancing is always the best option for those who have already a Florida mortgage plan.

Here are steps find the best mortgage deals in Florida:

* Know who to contact – lenders, brokers, etc.

* Ask recommendations from friends if you’re trying to get a mortgage.

* Calculate mortgage repayments and amortization.

* Compare company offers and interest rates.

* Read the customer service.

Fl has well-renowned mortgage specialists. They offer prompt service and offers you their full attention. They are professionals and are willing to work personally with their customers. They can offer the best mortgage plans possible.

There are hundreds of Florida mortgage companies. Selection should depend on the following:

* How much loan can you afford?

* Has to be your credit score good and bad?

* Are you able to risk an ARM?

* Are you ready to be tied for a 20 or 30-year reimbursement plan?

Some General Information On Car Rentals

If you are planning to take a vacation in the near future then you might want to consider driving down to the destination of your choice instead of having to spend a lot of money on air fare and other travel options. Driving down gives you a slight modicum of control over your travel plans. You can leave anytime you want to without having to keep to a specific schedule. You save money because the amount of money you spend on renting the car and on the fuel can be shared by all the people who are travelling with you. And, you don’t have to worry about ticket availability during peak season travel.

Renting a car can be a very simple process. All you need to really figure out is how many people will be travelling so that you can get a car that can seat everyone together and also accommodate the luggage that you will be carrying. Once you have this information and a certain budget thought out you can visit the local rental companies and ask around about the various vehicles they have as well as the fee that each charges. If you really want to enjoy you travel as much as your destination then you can opt for a large variety of RVs.

Comparing and contrasting the various quotes from different companies can allow you to make the most savings. If you decide to travel on weekdays and days that are not holiday dates then the prices can be desirably low. you can even get discount coupons and vouchers from printed media or off the internet to help you save a tidy sum that can be put towards activities when you reach your destination!

Hemorrhoids and Constipation in the Elderly

Every living human being has the potential for developing hemorrhoids. There are certain conditions and lifestyles, however, that carry a greater risk. We’ve talked about hemorrhoids in pregnancy, obesity, teens, children, the sedentary, and truckers. We’ve discussed the common element involved in almost all hemorrhoids…that of increased anorectal pressure. We’ve talked about symptoms, causes, prevention, diet, fiber, complications, home care, and medical treatment.

This time, we’re going to focus totally on hemorrhoids in the elderly. This population group experiences a concentration of circumstances which contribute to the risk of developing hemorrhoids, and its “right-hand man”…constipation. Among these risk factors are:

Too many medications: Many elderly people take multiple prescription and over-the-counter medications. A number of these formulations can cause constipation, such as: antacids with calcium or aluminum, drugs for high blood pressure, depression, and pain, blood thinners, and many more.

Not enough water: There are several reasons for inadequate fluid intake. Some older folks are on fluid restrictions because of cardiac or renal disease. Others have cognitive impairment and don’t remember to drink fluid. In some cases, they or their caregivers may hold back on fluid because of difficulty getting to the restroom on time. Some simply have diminished thirst.

Too little exercise: Many seniors have painful joint conditions and so choose not to participate in exercise programs. Difficulty in mobility often prevents them from walking even minimal distances. Others need someone to be with them when they walk. Since this is often not possible, they just sit. A sedentary lifestyle is an engraved invitation to constipation and hemorrhoids.

Poor bowel habits: A regular schedule for the elimination of stool is of paramount importance in keeping the bowel healthy. However, many of the elderly are dependent upon a caregiver to assist them to the bathroom. The caregiver may not be available at the same time each day, or at the time the urge to empty the bowel first appears. Establishing regularity is, therefore, not always possible.

Privacy: The senior will often be unable to relax for the passage of stool because of the presence of another person in the bathroom with them, usually a caregiver. So, they just “hold it”.

Body changes: Reduced tone of the muscles of the abdomen, and weak anal sphincter muscles impede timely bowel movement. In other words, just because the bowel is full and ready to go, natural muscles within the abdomen and rectum may not be doing their part in getting the stool out. And, the longer formed stool remains in the colon, the more water it loses and the harder and dryer it becomes.

An enlarged rectum caused by chronic constipation does not respond in a normal way to the presence of stool. Again, the fecal matter stays in the colon where it becomes hard and dry.

Some seniors are immobile and require the use of a bedpan. This is not a natural position for evacuating the bowel.

Some of the elderly have over-used laxatives because of a chronic constipation and the bowel no longer responds in an appropriate manner.

Chewing difficulties, poorly fitted dentures, cavities, or jaw tightness may restrict the intake of many fruits and vegetables.

Some older folks are preoccupied with their bowels because of chronic constipation. As a result, they sit on the toilet for too long at a time which increases rectal pressure and predisposes toward hemorrhoids.

If they already have hemorrhoids, it is painful to pass stool so there is a tendency to hold it in, causing the fecal matter to become hard and dry.

Constipation is a recurring problem because each episode is treated as a one-time occurrence. Ideally, a multi-pronged approach would be in place to address the causes of constipation.

Next time we’ll discuss ideas for dealing with these problems. The approach is not simple…in fact, it is difficult, and seldom will it be possible to eliminate all factors contributing to the development of constipation and hemorrhoids in the elderly.

However, it is possible to address some of the problems…and that’s what we’ll do. Until next time!