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Top Tips for Choosing Home Insurance

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There are so many home insurance providers out there that it can feel like an impossible task trying to choose the right deal. But whether you own your own home or rent, it’s one of those household essentials that you need to organise.

Buildings insurance covers bricks and mortar and will deal with any costs in the case of damage. “You can get away with just choosing this level of cover, which will protect you from serious incidents like fire and flooding, but most people choose to cover their personal possessions and home contents too” says Marylebone estate agent, Kubie Gold.

Before you make your decision, take a look at our top tips:

  • Make sure you know what’s covered. Sounds obvious, but you might be surprised to learn how many people just go for what looks like the lowest monthly payment amount without checking the small print. In a recent survey, 14% of people said they didn’t know that their home contents insurance covered their possessions when traveling overseas. Every policy is different so don’t be fooled into thinking that this will be the same with yours- the important thing is to read the small print and ask the right questions before signing any paperwork.
  • Don’t necessarily stick with the policy your mortgage broker tries to sell you. Your broker will probably be on commission so it’s in their best interest to sell you the policy their employers want them to, but that doesn’t mean you have to take it. “Spend some time shopping around and doing your own research before being bullied into something that isn’t 100% right for you” advises Lawsons & Daughters Fulham estate agent.
  • Collect all the essential information first- it’s important that you get accurate estimates for how much it would cost to rebuild your home and replace your contents before taking out a policy. Guesswork might seem like the easier option, but taking the time to sit down and really work out the facts about what you need to be covered will save you from costly mistakes should the worst happen.
  • Watch out for annual increases. You might be tempted by a great deal now, but if you’re not careful (this comes down to reading the smallprint again!) you could find yourself with a huge price hike in a few months. Special offers are great for a while, but it’s false economy if you’ll end up paying more further along the line.
  • Think outside the box. You’ve probably thought about all the obvious home contents and possessions like TVs, mobile phones, washing machines etc but there are lots of other things that can be covered by home insurance. Freezer contents, garden plants and features and clothes can all be included, and don’t be afraid to ask if anything is unclear.

The final word from Robert Holmes: “Home insurance is something you can’t afford to take a risk with. You may well end up paying a monthly fee and never use it, but if anything ever does go wrong and you’re not covered you’ll potentially cost yourself thousands- and your home.”

Farhan is working as Content Strategist. He is a Beauty Blogger, health Blogger and public speaker. His goal is to educate people about various health conditions, beauty and about wedding trends and the top tips and tricks. he is a passionate writer.

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Odyssey business improvement Work smarter, not harder

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Odyssey business improvement offers strategy development du=distribution channel management business and process analysis, detail and marketing management for the organization of all sizes.

Your channels play a critical role in connecting your business with your customers, using the proprietary odyssey channel model we offer unique business improvement services that build your competitive advantage through effective channel strategy and marketing strategy.
The Odyssey Online channel model draws together a comprehensive evaluation of your operating environment. We work with you to develop results that leverage your competitive advantage and optimize values delivery throughout distribution channels and networks.

Odyssey has extensive experience and record of success in developing comprehensive standards, process and policy management for a business of all sizes. The Odyssey team is committed to giving back to our community. Our active corporate social responsibility program supports a range of non-profit organization through financial fundraising personal involvement pro-fond professional service. Odyssey business improvement offers expert business ideas analysis and strategic planning using our unique model whatever the industry or scale of business you can expect clarity, engagement, energy results portfolio to learn how Odyssey can improve your business.

Digital media start up Odyssey has loud off 55 people slashing over a third of its full time provide staff less than your after raising 25 million, CEO Evan Burns confirmed to a business insider. This is the dramatic change for a company that board member Michael laze row described in April as being the most exciting company to him since he invested in buzzed.

Odyssey has raised 32 million in total and moved into a New York office in December.

The Odyssey idea is to have bright young writer swap their work for being their work for being edited and professionally branded and their network to have the work spread on social media. The status quo of publishing and social media makes it hard for those voices to be hard, odyssey democratizes content, giving peoples the opportunity to share what is most important to them and their communities, enriching everyone with broader, more honest perspective on topics they care about.

Engage the engagement

It’s simple if content resonates with people the’ spend more time with’ it. Readers trust. Odyssey be ‘cause article and videos are created by peoples like them with no’ agenda other than to speak their minds and shared originally across their friend networks. It’s meaningful to them because it’s relevant to their intrust. Grow your online business with direct access to millions of local engaged customers and everything you need to reach them in one package diminish risk .increase reward. Local digital advertising does not have to be expensive.

Odyssey combines everything you need to advertise effectively and increase sales. A simple process that lets us make great ads for you and deliver them to the right peoples. The guidance on generating results.

If you are involved in joining and engaging our devoted audience, we would love to have a conversion.

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What are the Benefits of Availing Laundry Services?

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Time

This is the most normal consideration why people choose laundry services. They do not have time to spend to clean their own clothing. Utilizing laundry services lets them have their time invested in better things like investing quality time with family or to capture up on some zzz’s and on a few of the other factors discussed about previously.

You can also use the time conserved to be more efficient specifically if you have some part-time work throughout the weekend. If you believe you can make more money throughout that time, then it is smart to get laundry services.

Benefit

Why tire yourself doing laundry when you can simply pay and have your laundry issues fixed in an instant? Or perhaps you simply do not know the best ways to clean your clothing effectively. And possibly you have those large garments and you do not have enough laundry space. Or possibly you’re in a rush. Getting a laundry service is an option.

Health

There are also circumstances that one may have an allergic reaction on cleaning agents or material conditioners. In addition, fibers from unclean clothing may also trigger breathing issues. Why not go to your nearby laundry service provider and let them clean your clothing?

Cleaner

Laundry stores focus on cleaning clothing so they have more knowledge about the different kinds of materials and the best ways to treat them correctly. Most of the time, they have a benefit over you in cleaning clothing.

Service warranty

Socks and handkerchiefs really get lost. Even if you clean your very own clothing, there will still come a time that you lost a sock or a handkerchief. Good idea about laundry stores is that they offer a guarantee that if they harm or lost your clothing, they will repair or change them.

Budget friendly

Aim to analyze your expenditures when you clean your very own laundry. Think about the cleaning agent, material conditioner, electricity and water intake plus your effort and time.

Maybe you find doing your very own laundry relaxing, a zen experience, where case a laundry service may be something that you would not think about regularly. However it might offer important back-up for those times when life gets busy and hectic weekends combine into weeks filled with conferences and late-night work. Knowing that you might simply drop off a package of shirts for the expert 48 hour shirt laundry service, or perhaps unload the entire week’s family laundry, provides you assurance in the middle of the mayhem.

 

Whether you depend on a laundry service as a vital part of a hectic way of life or rely on one simply when life gets busy, it is an extremely effective way of leveraging your time and minimizing the tension of life, and your shirts will be ironed more perfectly than they ever have been before!

Yes, truthfully, that’s simply benefits to get laundry services! It’s not that choosing laundry services is bad, however you may wish to think about these points.

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10 Must-Known Facts about PPF Accounts

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Public Provident Fund, popularly referred to as PPF, is an excellent way to start saving money because PPF accounts are tax-free. As a systematic saving investment, it encourages individuals to set aside some money every month towards savings for the future.

Even Though PPF accounts are popular but not many people know about PPF accounts banks benefits for investors. Here are 10 must-known facts that investors need to make note of in order to maximize their benefits.

What is the Minimum Amount Required to Open PPF Accounts?

The minimum amount to start a PPF account is Rs 100 that can be opened by salaried employees, self-employed individuals, and other individuals. PPF accounts onlinebanks can be opened at any SBI or affiliated banks like Bank of Baroda or Central Bank of India.

Another option available to investors must know about PPF accounts that it can be opened at the post office. Additionally, in case of a minor, an individual can open an account on their behalf by the guardian.

What is the Maturity Period of PPF Account?

Also, what most people don’t know about PPF accounts banks mature after 15 years and hence are an excellent way to systematically invest in this plan which is tax-free as well.

What are the Minimum and Maximum Deposit Limit for PPF Accounts?

The minimum deposit limit for PPF accounts banks are Rs 500 to make over the course of a year and the maximum amount is 1 lakh in one financial year.

Deposits can be made in one go or installments in multiples of Rs 10. However, only 12 installments can be made each fiscal year.

Failure to deposit the minimum balance will lead to the PPF accounts banks being discontinued. However, note that the interest will accrue and once the payments are regularized and the prescribed default fee is paid, the account can be operated as usual.

How is Interest Calculated for PPF Accounts?

It is important that investors are aware of PPF accounts interest calculation method. This way, they will be able to calculate the interest and take a call on how much to save each month.

The first important point to note about PPF accounts banks is that the interest is based on the lowest balance between 5th of the month and the last day of the month. To maximize savings deposits should be made between 1st and 5th each month.

Note that the PPF interest amount is compounded annually and it is credited on 31st March every year.

What happens if Premature Withdrawals are made from PPF Accounts?

In the case of premature withdrawals are allowed from the 7th year onwards and it cannot exceed 50 percent of the balance amount at the end of the 4th year. However, the account can be closed prematurely permanently in case of death.

What is the Tax Benefits Extended by PPF Accounts Banks?

The tax benefits extended by PPF account back are as follows:

  • Qualify for deductions under Section 80C
  • The entire amount of maturity is tax-free
  • Deposits exempted from wealth tax

Whatis the Terms You Should Know about PPF Accounts Regarding Loans?

Another question that most people are unaware of PPF accounts is that a loan can be taken against PPF accounts banks but under certain conditions. The terms under which a loan can be taken are as follows:

  • The loan can be availed between 3rd and 6th year
  • Maximum of 25 percent balance must be maintained at the end of 2nd year
  • The interest rate charged on the loan will be more than 2 percent of the PPF interest rate at that time
  • Withdrawals must be repaired in a period of 24 months

Being aware of these terms and conditions about PPF accounts will help give respite to investors.

Can a Second Loan be taken on PPF Accounts Banks?

Something about PPF accounts that people need to know about is that a second loan can be taken up by investors between the 3rd and 6th year only if the previous loan has been prepaid in full. Once the account holders become eligible for withdrawals they will no longer be eligible for taking up loans.

Can the PPF Accounts Banks Subscription Period be Extended?

Another aspect that most people are unaware ofPPF accounts subscription period. After the 15 year period, account holders have an option to extend the period by 5 years.

However, it should be noted that the same rate of interest will be levied on the account. In case, despite the extension, regular contributions are not made then the withdrawals will be restricted and allowed only once a year.

Can NRIs Open PPF Accounts?

Another question that people have about PPF accounts is whether NRIs can open PPF accounts banks. No, NRIs are not eligible to open PPF accounts banks.

In cases where an account holder settles abroad then existing accounts are allowed and can contribute to it till the maturity period.

The pros outweigh the cons when talking about PPF accounts. Hence, as a systematic investment plan, it presents several advantages that investors should take up and capitalize on by deriving the maximum benefit extended.

 

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