Moving can be quite involving. You have to arrange to have your renters or homeowners insurance transferred to your new address, engage the services of a reputable moving company, and arrange for all the packing that goes with moving. But that is not all. You have to make arrangements to get the right moving insurance.
Statutory regulations require household movers to offer the requisite insurance. This insurance is meant to cover the risk of loss or damage of goods whilst in transit, and usually pays at the rate of about 30 cents per pound. The client is not expected to pay an additional charge once they have the moving coverage as everything is factored in the mover’s rates. Some clients, however, choose to take additional insurance based on the value of what they want moved. If you choose the additional valuation, you will have to allow the insurance coverage provider to photograph each and every item that is to be moved, test their functionalities and inspect and test their packaging before transit. The valuation charge for this comes to around $13 for a $3000 valuation, with 50 cents as additional charge for every $100 of valuation.
The following are the key considerations in moving insurance:
1. Is moving Covered by My Homeowner’s Policy?
It is important to realize that most homeowner’s insurance or even renter’s policy do not cover the risk that goods are exposed to while in transit. You would therefore need to make arrangements with a reputable moving insurance provider to give you the coverage necessary should things go wrong. When things go awry, the insurer will either send a restoration expert, or reimburse you for the damage/loss out-of-pocket.
However, there are exceptions to this. Some homeowner’s insurance providers do cover items in transit. The key here lies in the client talking to their insurer to verify whether their goods are adequately covered while in transit. Indeed, some companies offer a cargo insurance coverage of about $5000 – but only when the goods on transit are in your motor vehicle. However, this normally paid out when something extremely untoward – like an explosion – happens, and not with the more common scratches or dings.
2. Where Can I Get Reliable Moving Insurance?
The Federal Law mandates movers to provide two types of coverage. These are:
a. Full Replacement Value Protection
This option is also referred to as Full Value Protection. Industry experts highly recommend this option as it offers replacement based on the value of the loss incurred, repair/renovation of the item or replacement with a similar item. It is important to be talk to your moving company on exactly how they intend to apply this option in case of a loss – especially for items of high value (jewelry, digital devices, paintings, etc.
b. Basic Carrier Coverage
Also referred to as the Released Value Coverage, this insurance is taken to be the most basic. It is free and is based on weight. Claims are paid up to 60 pounds for every pound of an item. The downside of this is that the coverage hardly caters for the full replacement of valuable item – an item may be light but quite high in value.
c. Separate Liability Insurance
Some moving companies offer this to their clients as an optional coverage. It pays for the amount purchased from the insurance company, less the Released Carrier Coverage that the mover is mandated to pay by law.
3. How Do I File a Claim?
A claim of damage or loss has to be backed by adequate proof that the item was damaged while in transit at the hands of the movers, and not before or after. It will definitely help to fast-track your claim if you can produce photos of the items before and after the damage. Equally important is a detailed inventory list that shows all the items on transit, duly counter-signed by the mover. Such a list is made before the moving company embarks on the task of transporting your items.
4. Is it O.K. to Do the Move by Myself?
If you decide to do the move by yourself, it is important that you realize that your auto insurance and homeowner’s insurance will not cover any risk of damages to your household items while they are in transit. You will therefore have to meet the cost of damages or loss out of your own pocket.Truck rentals, on the other hand, do offer their clients the option of purchasing an insurance policy that covers the truck, driver, cargo and any passengers.
Moving insurance will definitely provide you with the peace of mind much needed in the stressful environment of moving. Be sure to contact a reputable moving insurer for the best experience.
Are you searching for a new tape measure that you could call the best? No need to search since the best on the market is the Maerble tape measure. I have been looking for a tape measure which is handy, has amazing features, and most of all cost-effective until I bumped into this item. I just can't wait for you to know very well what this product is.One of the best features of this product is that it has a stiff tape, unbending up to Ten feet. Without a doubt, it is one of a kind! I could only imagine how complicated my past works were using a tape measure with tape that bends very easily. The tape is 7.5 meters in length (25 feet) and also 25 mm in width. Now, you may measure broad spaces without problem. It has self-lock mechanism that enables you to make use of the tape measure with no worry of retracting. By pushing the buttons on the front and back of the tape measure, you'll engage this lock. During the time you need to lock the tape, you could easily click on the buttons since they're strategically placed where you can find them easily. It's such a user-friendly tool right?
The product looked strong and industrial and I liked the style. After having fallen a lot of times, nothing was damaged. Thanks to the metal casing enclosed with sturdy and high-quality rubber and plastic, it made the device resistant to drops. The nylon cladding blade prevents it from wearing out fast. It also comes with a clip and strap for it to be place on waist. You could also wrap the strap in your wrist as not to drop it. It's very convenient with the dimension of 90x80x42 mm. The most valuable thing about it is that there's a complete set of metric values on the product for everyone. Maerble Tape Measure has centimeters, meters, millimeters, and feet metric values.
If the buyer is not sure of it yet, there's a money-back guarantee for up to 1 year if the product did not meet expectations. For me personally, Maerble Tape Measure is the best that you can have. There is no need to look for other else since this product will give you everything you require. Are you using tape measure every day? This item best fits you. I could state that this product is the best of all brands. The cost won't worry you. It's as affordable as other products in spite of this many features. I too can't believe it. There is nothing better than having the best deal with a product which is worth it. Get yourself one now and see what I am talking about earlier until now.
Planning to travel to China? Do you know that several popular web services that we take for granted in our country are actually blocked in China! The most important one being Facebook. Yes, you cannot access Facebook in China. This means you cannot share photos, videos and even status updates with friends and family about your experiences in China when you are there. This blocking mechanism is popularly referred to as the Great Chinese Firewall. It blocks not just Facebook but also Twitter, Youtube, and several other popular websites!
However, you need not worry. There are ways to break through this firewall, so you can access all of these websites and more, on your mobile phone or computer from inside China. Here are 5 ways to do just that:
1. Use A VPN Service:
VPN stands for Virtual Private Network and it is basically an encrypted connection to a remote server (outside China) through which you can access all of the web from behind the firewall. These services usually work on a subscription based model and you can usually find one that suits your timeline and budget. All it takes is a simple Google search.
However, some of these services are blocked by the Chinese government and you must make sure that you check the online reviews of the service you are planning to subscribe to. Also, you must remember to purchase the subscription and download their software on your computer before you go there so in China mobile facebook is accessible as it may not be accessible from inside the country.
A proxy is basically a website, whose server is located at another location (outside China) and will let you access other websites through it. It is like browsing a blocked website from within another website (which is not blocked). There are several free proxies available too. However, just like VPNs you need to find the ones that are accessible in China mobile facebook too. It is of no use mentioning a list of proxies that work now because new ones keep getting blocked from time to time.
This is a browser that you can download and on your computer and begin using it, almost instantly. It is also free! It is an independent system and keeps you anonymous by routing your signals through a large number of points on its distributed network across the globe. The only drawback being that it is slow due to the lengthy routing of your information.
4. VPN Routers:
These are newer and much more handy. It is basically an application or even a hardware based router that can be directly connected to a VPN service and all your devices including your mobile phone, can connect to the router and thus access the blocked sites from behind the firewall. This is one of the newer services that most VPN service providers are now providing and is certainly useful when travelling to China.
5. Data Roaming On Cell Phone:
You can choose to activate international roaming for data services when you travel to China, so all your communications are routed through your original service provider and this allows you to access all the websites you could access outside China mobile facebook are all accessible. Although it sounds simple enough, it should always be your last choice as international roaming for data services is incredibly expensive and can end up burning a hole in your pocket even if you just need light browsing.
Most people overpay on their taxes throughout the year, and that means that millions of people request tax refunds from the government every year. If you`ve never done this before, it can be a bit overwhelming. There are a few different choices that will allow you to claim your tax refund, but which one should you choose? The best answer to that question really depends on personal circumstances. Below you`ll find the different options that are available, along with some information to help you decide which method you`re going to choose.
Paper Tax Refunds
Just a couple of decades ago, the only way to prepare a tax refund was to file physical papers and mail them to the government. This isn`t extremely popular anymore, but there are certainly people who still prefer to do it this way. Some who have claimed their tax refunds for many years may prefer to do it this way since they`ve been doing it for so long. Others feel uncomfortable about their security when filing their taxes electronically. If you would prefer to file your tax refund on paper, you will need to go to the website of your local and federal governments to print the appropriate forms. Please understand, however, that these forms do change frequently. If you use an old form, your tax refund claim will be rejected, and this could cause your filing to become late. Be sure that you are using the forms from the current year. Typically, tax refunds filed on paper will take longer to be processed.
Electronic Tax Refunds
Most people today choose to do their tax refunds electronically since the process is a bit easier and faster. There are multiple ways to file taxes electronically, however, so it would help to know the differences. You could go to a major tax software website and file your taxes there. Typically, you will have to pay a fee in order to use their service. You could purchase official tax software that will help you fill in your forms before being sent to the government electronically. Finally, you could go to a tax professional that will be using professional tax software to input your data before sending it electronically. Ultimately, you`ll be paying for the service regardless of how you file your taxes if you`re doing it electronically. All of the above methods are valid ways to claim a tax refund.
If you got infected with Candida for the first time, you may be a bit scared that it's something which may threaten your life, but that is not true at all. In fact, this is a mild infection (which can get worse of course if you don't treat it) that can be easily taken care of if you take some of the steps we are going to tell you about below.
Always Take The Right Candida Supplements
Candida supplements like those you can find at http://www.amazon.com/Purely-Holistic-Antifungals-Probiotics-Reoccurrence/dp/B0158VYYE8/ seem to have gotten a lot of praise from people who got mild and severe candida infections. What makes these stand out from the rest you can currently purchase is their natural ingredients and the fact that they also contain probiotics. As a result, they won't ruin the balance of your gut flora, making it harder or even impossible for your body to get rid of the infection.
Try Using Apple Cider Vinegar
You may not know this yet, but the truth is that ACV is very effective against Candida infections. That's because it contain a wide range of enzymes that can kill the Candida infection as soon as it comes in contact with it. Also, if you want to take this one step further, then you could also use ACV when you're taking a bath. Just pour two cups of it in the water and you're going to treat your external candida infections this way.
While staying hydrated is important for a wide range of reasons, you should know that if you drink at least 2 liters of water per day you are going to help your body flush out the Candida albicans infection from your system. If possible, then you may want to drink even more.
Wearing loose fitting clothing is very important as is proper hygiene. That is because if you wear tight clothes, then there's a higher chance to sweat and therefore get a Candida infection. This combined with a lack of proper hygiene is always going to create the perfect breeding ground for candid infections.
As for your diet, you need to make sure that you try and eliminate carbs, but also alcohol and sugar from your daily meals as soon as possible. That's because they're going to make your Candida infection even worse and fast.
Not that there has been a systematic ranking of sorts, but Kent wedding photographers Lovepear Photography would agree that there are some locations within the area that make for the most romantic wedding venues. The United Kingdom, and most of the world really, has some stunning locations. Places where hearts will melt, portraits will forever capture immortalized beauty and the bride will be all smiles for everything is right with the world when her big days goes down well in glamor. That being said, here are some UK wedding photography best and most romantic wedding locations in Kent.1. London Beach Country Hotel & Golf Club in Tenterden
This is by far one of the most romantic wedding venues in all of Kent. With expansive lush grounds, attentive and very friendly staff and just about every other luxurious amenity you can think of, getting married here will not only add some well deserved class to the proceedings but it will also make your bride one of the most envied women in the area.2. The House Meadow in Biddenden
This is one of the most beautiful grounds you will ever set foot on. The best part is that you can hire it as a blank canvas so that your decorator can go wild and design the perfect wedding venue that has both romance and sheer quality sprinkled all over it.3. Scotney Castle in Lamberhurst
The appeal to this place is right there in the name. Who wouldn't want to get married in a castle like royalty? But it is not just about the ancient structure, it is also about what else you can find on the grounds. Like the Wisteria Archway and the beautifully expansive lush gardens that will leave any bride swooning on her special day.
This is truly a Kent photographer's dream venue. The lush gardens tucked away in the country are not only as peaceful as it gets, but they are rustic and simply have that beautiful atmosphere of originality and undisturbed nature. It is one of the most romantic wedding venue locations you could ever choose.5. The Black Horse Inn
A perfect little location complete with beautiful lush grounds and a wedding gazebo that can hold up to 100 guests. You also get the option of using the wonderful rooms within the facility.
It is undoubtedly every brides dream to have a picturesque wedding. There are numerous romantic wedding venues in Kent that can serve up some of the best wedding portraits the world has ever seen. Take your time to choose the perfect location. And if you need any professional advice on which location to go with, feel free to give us a call.
A lot of people suffer from Candida albicans which is basically a fungus that occurs naturally in the digestive tract, the throat and mouth of every person on the planet. The thing is that when Candida overgrows, then it's going to cause a lot of problems. The reasons you may experience an overgrowth of Candida may include having too much alcohol or sugar in your diet, the excessive use of antibiotics and so forth. The good news is that you can now combat Candida by using curcumin supplements
The symptoms of Candida
One of the things you should know about the symptoms of Candida is that they're going to come in the form of mood swings, headaches, fatigue, cravings for sweets, poor memory, depression, but also sinus congestion and being unable to focus properly.
Learning more about curcumin
Curcumin extract is a very powerful antioxidant that is found in the spice known as turmeric. Most of the times it's going to be used in Asian cuisine, but also as a painkiller since it has very powerful anti-inflammatory properties. The good news is that these days you can also choose to use a curcumin supplement which can be easily found in almost any online store. Just make sure though that you do a bit of research before deciding to buy it from a store you know little about.
Since it acts as a powerful antioxidant, antifungal and anti-inflammatory, curcumin is greatly used in Ayurvedic medicine. Over the years, it has been proven that it can successfully help prevent the adhesion of Candida to the walls of the digestive tract. Therefore, when you're going to include curcumin in your diet, you're going to finally manage to keep Candida growth under control.
Candida health related issues
When Candida is going to get out of control, it can cause a lot of health problems, including vaginal infections, upset stomach and so forth. While you may be recommend by your doctor to take antibiotics, not only will they kill the bad bacteria, but they are also going to destroy the bacteria that keeps you immune system in check.
With that being said, if you're someone who wants to alleviate joint pain, cuts, and other types of skin problems, you should immediately consider using a curcumin supplement since it's going to greatly help you solve your health related problems. Good luck with getting better fast.