TSMWINDSOR

A Blog about Health, Finance, and General Musings

Navigation Menu

Tenant Insurance or Landlord Insurance?

Posted by on Apr 14, 2014 in home | 0 comments

Insurance for many years has benefited may people, ranging from motor vehicle, life, medical and home insurance coverage. This has been realized in cases of emergencies or accidents. Despite the benefits of insurance, most tenants or renters still have failed to purchase tenants insurance.

rent-or-own

Tenants insurance refers to an insurance policy that provides most benefit to renters and it is dependent on various variables. It is considered cheap as compared to other types of home insurance policies. For more on tenant insurance, see Square One Insurance.

They are far less expensive than landlord insurance because they do not cover the actual building. Buildings tends to be the bulk of home insurance costs. There are some misconceptions about tenants insurance and so it is advisable for one to incorporate policies as part of protection. On the other hand, landlord insurance is a type of insurance which is specifically meant to protect your rental properties and tenants.

Landlord insurance normally constitutes similar protection as those of usual house insurance like the buildings and the contents within it, but varies according to different circumstances. There is only a slight difference between usual house insurance and landlord insurance. The difference is that a landlord insurance will include extra covers like non-payment of rent, loss of earnings or rehousing costs and liability of accidents. Landlords can insure multiple properties in a way that can be of more economical benefit in terms of costs, especially when he or she has a portfolio.

Landlord insurance is more comprehensive. Despite the fact that landlord insurance can cover most of the basic issues which arises through ownership, it does not always include liability coverage for tenants.

Tenants must know about the landlord’s insurance policy, whether the policy also covers him or her. As far as landlord insurance is concerned, it only protects the physical structure and landlord’s own liability. For this reason, a tenant should also insure their own belongings from potential risks.

Tenants also need to insure their belongings because accidents are unpredicted misfortunes which can result to impoverishment. They can also cause danger to their neighbors especially when they engage in activities that can damage neighbor’s property. In this case, they are advised to have a third party liability insurance to protect them from such events. In addition, some tenants might upgrade their rental houses to suite their need e.g. installing a closet. This can be damaged by fire or any other hazard and so having a tenant insurance will cater for such upgrades.

Landlord insurance is also not well scoped, you find out that certain risks are not always covered by landlord insurance. For example, damages from floods are not covered within this type of insurance, therefore, a landlord will be required to purchase a. separate flood insurance usually obtained from the National Flood Insurance Program.

Read More

Cargo Shipping Services Done Right

Posted by on Apr 11, 2014 in transportation | 0 comments

Cargo shipping services entails the physical process of transporting commodities and merchandise cargos and goods either by sea, land or air from its source destination to its actual destination. Cargo shipping services have been made easy for most companies offering these services through the presence of shipping agencies or shipping agents; these are designated agencies or a person responsible for both shipments and cargos handling process at the ports or harbours globally on behalf of the companies offering shipping services.

best-freight-services

Due to globalization, many businesses have grown beyond national boundaries, a factor which has been fuelled by the existence of cargo shipment services either air freight or by shipping through waterways as well as the existence of logistic companies dealing with cargo. Cargo shipping services and freight services involve shipments of cargos varying in sizes through cargo consolidation services which has benefited most industries which had suffered before due to their small size cargo some years back.

In addition, cargo shipment services like:

Door to door services- mostly for cargos sent within the nation and are good for large consignments of varying weights.

Exhibition goods shipment- with carnet (an international customs document which allows one to temporary import goods without paying the fixed applicable duties and taxes), exhibition goods shipment is possible.

Break bulk cargo services- are designed specifically for cargos which are too big or too heavy but can be loaded onto the vessels.

Shipping services as well as shipping line container.

These cargo shipping services, have further boosted the field of business. For example in India among other countries.

The cargo shipping services of clients’ goods that needs to pass through different countries in order to be delivered in their respective destinations, will usually require certain clearance of customs at different ports during the shipment process. One should not be worried about this because the logistic company will always be responsible for these customs. You will only be required to meet some small fees and it will be to your advantage since you will not be meeting the full cost of the entire container which is always much higher than the custom clearance fees charged by cargo shipping companies. Due to this high costs, some cargo shipping companies which deals with small cargo shipments always opt for cargo consolidation. It is advantageous for most small industries in terms of monetary benefits. Logistics Company Cargo unit services are better than Less than a Container Load (LCL) because, to them all clients are important irrespective of the quantity and size of their cargo.

It is important to know how to choose an overseas shipping company for your goods or cargos. You need to identify if the Cargo shipping company is a professional one. Also find out the types of container shipment services that are offered by the shipping company. Knowing the cost to incur as well as the shipping protocols is also of more significance before choosing an overseas shipping company.

Read More

Why do We Get Spider Veins?

Posted by on Apr 9, 2014 in health | 0 comments

The other term for spider veins are varicose veins which is very common for women. Today, men are also having this in their legs. Varicose veins are the veins which become larger and twist on each other. This often occurs in legs and there are times that it occurs in the feet. Actually, veins come out with leaflet valves that prevent the blood from flowing backwards.

The muscles in the legs help the veins in order to bring back the blood inside the heart. The leaflets inside the valves will never be able to work properly when the veins grow larger. In this situation, the blood will start to flow backwards and the size of it will increase.

spider-viens

Actually, varicose veins are the well known issues that come in the legs. This is also very painful primarily when it is cold and when you stand for several minutes. When you push yourself to stand for several hours, you will feel that your legs are swelling, the skin in your legs are thickening, and ulceration. When individuals don’t give this immediate medication, their life might be in a very risky situation. It will cause deep vein thrombosis that might get more severe when they always ignore it. One of the ways to treat this is with a microdermabrasion phoenix procedure.

The cause of varicose veins is the weakening of veins and valves in the legs. When both of your veins and valves don’t work normally, varicose veins will surely exist in the legs and ankles. It comes usually comes to the overweight and pregnant women. Aside from that, individuals who are standing for several hours also have these large veins. When you stand for several hours, the pressure on your veins is getting even higher. This is one of the reasons why varicose veins start to occur.

This condition of veins comes out with a bluish color, twisted, and swollen, underneath the skin. The signs and symptoms of it are itching of the veins, aching, pain, heaviness, tiredness, and burning of legs as well as swelling of the feet. Most women also experiences scaling, alteration of the skin color, calf pain, inflammation, and dryness of the skin. There also times that it comes with open sores which often lead to minor injury or continuous bleeding.

When you visit in your doctor, he or she will check on your feet, legs, and ankles that have varicose veins. Due to the large size and bluish color of it, you and your doctor can easily see it without utilizing large or small tools. The common treatment or solutions to treat varicose veins is that individuals should always perform workout and avoid standing and sitting for several hours. They have to keep their legs elevated, and wear compression stockings to hide them.

If you are experiencing the signs and symptoms of varicose veins, well, you must give it immediate medication so that you will never suffer from the pain that it provides primarily when cold season. Aside from that, you can also block the visibility of it. Don’t forget to seek help from your doctor for assurance.

Read More