Home Insurance for First Time Buyers

For first time homebuyers, purchasing home insurance is an essential part of buying a home. First time home buyers should be aware that many lenders require home insurance before closing. Protecting a home gives buyers peace of mind knowing they are protected. As a first-time home buyer, you have to be able to understand all points of a home insurance plan.

When considering what type of home insurance to buy, it is important to consider the following types of home insurance coverage: - Personal Property: This type of insurance covers items within the home. Coverage depends on the limits of your coverage. It is essential to know the details of your personal coverage. For instance, are you insured for the original price of an item or the current price? - Casualty: This type of insurance covers natural disasters fro such events as and wind, hail, fire. It is important to review the policy to make sure you are covered.

If you live in a flood risk area, you will have to purchase flood insurance. - Liability: This protects you from lawsuits resulting from injuries to guests. The cost for this liability coverage is usually based on the limits of your coverage. - Additional Coverage: You may want to purchase extra coverage if you have very expensive items. There are other types of coverage for such situations as loss some repairs, collapse, assessment, damage to trees as the result of wind or loss of food due to power outage, some building additions, ice, and much more. It is important to inquire about the availability of additional coverage. - Exclusions: Home insurance policies always have a list of exclusions that includes earth movement, neglect, war, intentional loss such as arson and more. It is important to be aware of what your insurance does not cover. Steps to help a first time buyer save money on home insurance include: Shop Around: Don't take the first home insurance policy that is offered.

Compare the details and price with other lenders. You may be able to get a better deal or additional coverage. Make sure you ask a lot of questions to get a sense of the lender's attitude. You do not want a lender to give you a difficult time if you have to make a claim. Deductibles: A deductible is the amount you have to pay toward a loss before your insurance company will pay. Check to see whether it would benefit to have either a high or low deductible.

Age of Home: Many insurers will lower costs if the house is brand new. Home Security: Find out if there is a discount if you install safety equipment such as smoke burglar alarms, fire extinguishers, alarms, dead bolt lock, etc. Don't Change Insurers: Many insurers will reduce costs if you stay with them for a certain period of time. Being a loyal client may also result in special discounts. Review Your Policy Annually: Because most home insurance policies are renewed each year, you should take the time each year to compare your policy limits to the value of your possessions.

You want to make sure that your policy covers any major purchases. You also want your policy to reflect any changes such as or getting married, having a baby, renovations. A home insurance policy protects both the homeowner and lender's investment. Without home burglary, you are at great risk of losing everything as the result of events such as fire, insurance, if someone suffers a serious injury while in your home, and many other sudden disasters. By securing home insurance at the time the sale closes, you and your family will be able to relax and enjoy making memories in your new home.

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An Explanation For Offshore Company Formation Mauritius

Company incorporation in Mauritius sounds like an unlikely option to those who are focused only on old World offshore centers like Switzerland or the Isle of Man! There are many ways for an offshore company incorporation: Category 1 and 2 Global Business Companies. Collective Investment Schemes - Funds 3. Management Companies and Other Service Providers GLOBAL BUSINESS VEHICLESThe offshore formation mauritius available to carry global business activities from within Mauritius are companies holding a Category 1 Global Business Licence (GBC1), and companies holding a Category 2 Global Business Licence (GBC2). Other entities available are Protected Cell Companies PCC, and Trusts which we shall cover elsewhere. i. a) Category 1 Global Business License GBC 1A Global Business corporation (Category is an offshore company which undertakes any of the following activities listed in the Second Schedule of the FSDA 2001 which is carried on from within Mauritius with persons all of whom are resident outside the country and which is conducted in foreign currency: - Aircraft financing and leasing- Assets management- Consultancy services- Employment services- Information and communication technologies- Insurance- Licensing and franchising- Logistics and or marketing- Operational headquarters- Pension funds- Shipping and Shipping Management- Trading- Any other activity as may be approved by the Commission This type of company is qualified to take protection of the tax treaties to which Mauritius is a party if it comes within the definition of a resident under the taxation laws. Foreign direct investment into India has taken this route largely because of the highly successful double tax treaty between the two countries!

A GBC 1 is required to file with the Financial Services Commission within six months after the close of its financial year, annual audited financial statements prepared in accordance with the International Accounting Standards or internationally recognised accounting standards. The GBC 1 may be set up by direct offshore company formation or by way of continuation where this is allowed by the law in the country of origin, or by registration of a branch of a foreign company, mauritius. A branch of a foreign company may have access to Mauritius tax treaties provided that the local tax authorities are satisfied that effective control and management of the foreign company is in Mauritius. The facility of continuing a foreign company registered in a foreign jurisdiction as a GBC has proved attractive to a number of major investors, and so permitting existing holdings of the foreign company in a country with which this country has a double taxation treaty to benefit from relief under that treaty, 1. A GBC 1 may be unlimited or limited by shares or by guarantee. A GBC 1 may be registered as a Limited Life Company or a Protected Cell Company. ii. b) Category 2 Global Business License - the simple offshore company. A Global Business 2 offshore company formation mauritius which is carried on by a private company: - which is a company incorporation in mauritius or registered under the Companies Act 2001- which does not conduct business with persons resident in Mauritius nor conducts any dealings in Mauritius currency; - which holds a Category 2 Global Business License. - It is exempt from the provisions of the Income Tax Act and is declared as non resident for tax purposes. - It is a suitable vehicle for holding and managing private assets. - It is however not allowed to raise capital from the public or to conduct any financial services or to act as a fiduciary. - The GBC 2 company incorporation in Mauritius is not resident for tax purposes and therefore does not benefit from double taxation relief under tax treaties. - The GBC 2 may either be limited by shares or by guarantee or limited by shares and guarantee or simply unlimited. - A GBC 2 may also be structured as a Limited Life Company.

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Sewage Damage Cleanup: Why It's Important And How To Get It Done Properly

Having a flood in your home is bad enough but when you see that some of the water is sewage, you probably cringe because you know what it actually is. You know that having this kind of damage inside your home can be extremely dangerous especially to children and anyone who suffers from breathing problems. You know you have to begin the long, tedious task of sewage damage cleanup. So how do you go about starting a sewage damage cleanup?

It may be wise to learn what you should and should not do during this kind of cleanup first. Things to Do During Sewage Damage Cleanup: There are three important things that need to be done when you are conducting a sewage damage cleanup. First, be sure you keep your children and pets away from the area that has been contaminated. Second, any materials that have been touched by this sort damage should be treated as toxic until it has properly been sanitized. Third, call your insurance agency to see if they will cover this sort of damage.

Things Not to Do During Sewage Damage Cleanup: There are three vitally important things you should not do during this time. First, make sure you do not contaminate other sections of the home. If the area you are doing the sewage damage cleanup in is the basement, close off that section of the house so you can stay in the rest of the home. Second, do not use sprays or germ products to decontaminate areas. These do not fully protect you or the surface.

Third and most beds, do not try to save carpets, importantly, couches, etc. that cannot be washed in hot water. Dispose of these items for health safety reasons. If a problem of this type is not taken care of right away, what is the number one culprit to come from water and sewage damage? Black mold. This is extremely toxic and once out of control can destroy in an entire house, making it unlivable. What are some of the illnesses that come from black mold exposure?

Some are: Chronic bronchitis Learning disabilities Bleeding lungs Asthma Lupus Mental deficiencies Cancer Skin or eye infections Gastroenteritis Hepatitis Even if you have not suffered a major flood, a toilet backing up can bring in sewage. What can cause a toilet to back up? Two things that can cause problems for toilets are: tree roots that have gotten into the line or a city's main line being blocked. A toilet backing up is just as dangerous and you must conduct a sewage damage cleanup to ensure there are no problems later on. health wise. How can you prevent a blockage from occurring so you do not have to conduct a sewage damage cleanup? First, get rid of any grease the right way.

This means putting oil you have cooked with in a container that can resist heat or you can wait until it has cooled off and throw it in the garbage. Never put it down a drain. Second, there should not be anything more than tissue being flushed down the toilet. Paper towels and women products do not dissolve near as fast. replace it with a plastic pipe, if you want to keep trees from getting into your sewer line, Third. Should the roots get through this piping, cut your roots as often as you can. By taking these few steps, you can make sure you aren't doing a major sewage damage cleanup. just remember that it, if you are faced with the task, However's important to yourself health to start on it right away.

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Lasik Vision Correction -- Is It Really Surgery?

Lasik is the new method of eye surgery that does not require the use of traditional surgical in the use of delicate eye surgery, like knives, instruments. Lasik employs the use of a laser light to adjust the curvature of the cornea. While the procedure is less than twenty years old, it has already undergone several transformations as new developments and technology constantly improve on the process.

Some people are familiar with the Lasik term but don't realize that there are several different Lasik methods now available for clients with a variety of vision correction needs. Epi-Lasik came after the original Lasik procedure and differs from the original only in that a fine 'blade' is used to cut a thin flap of the epithelium, the outer covering of the cornea. Epi-Lasik is favored for use in patients who suffer from myopia. In a special laser is used to sculpt corneal tissues, as in the original Lasik, Epi-Lasik. Lasik Wavefront is also commonly performed.

Preferred candidates are those with optimal corneal thickness as well as near and far-sightedness and astigmatism. Wavefront uses three-dimensional measurements to ascertain how your eyes process images. Each person's eyes and eyesight are unique to custom-type surgery, so this is a very personalized, themselves. With this customized form of Lasik, each of your eyes is examined to test their ability to focus light rays. Such information is fed into a three dimensional map that is created, which in turn guides a laser to reshape the corneal surface so that vision irregularities can be corrected. Wavefront is a great leap forward in laser guided light refractive surgery in that it serves not only to improve general vision, but also increases contrast sensitivity and fine detail eyesight.

Other forms of Lasik are known as PRK and RK Epi-Lasik and Lasik Wavefront, though these are not as common as Lasik, methods. More people every year from around the world are opting to undergo one of these forms of Lasik vision correction surgery. While most people think that anything that takes less than fifteen operating room and general anesthesia can, without the use of scalpel, minutes't really be considered surgery, Lasik eye correction is surgery. Proper precautions and post procedure instructions must be followed to the letter in order to reap the benefits of this technology that allows nearly non-invasive surgery of the eye. While many countries around the world offer medical insurance to cover the costs of these for the most part, the United States, procedures, does not.

It is still considered to be an elective surgery. At a cost of generally $1, 500 to $keep in mind the fact that this procedure is virtually painless, 000 an eye, 2, quick, and does not involve cutting into deep eye tissues and muscles. That alone is enough to convince most people to opt for this type of surgery over wearing glasses or contact lenses for the rest of their lives. The technology behind Lasik vision correction surgery is what makes the procedure so expensive, but it is that very technology that offers the most safety and the highest rate of success than any other procedure to date.

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From Jewelry to Investments: Gold Fever Has Captured the World

Gold gold coins, gold bullions, necklaces, gold charm bracelets, gold earrings: the precious metal represents one of the world's most influential and appealing markets. For centuries, empires have pursued wealth through gold to ensure power and influence. Its beauty and durability have made it not only a preferred material for jewelry but it also as an insurance commodity against fluctuations and depreciations of paper money.

Used by ancient humans for ornamentation and rituals, gold has been valued by cultures throughout the world - from Egyptians and Romans to Mayans and Americans. It was described to be "more plentiful than dirt" in ancient Egypt. Romans devised a way to extract it on a large scale through methods of hydraulic mining. One of the most malleable of all metals, a single gram of gold can be beaten into a sheet of one square meter but it is also combined with metals to increase its hardness. As a conductor of heat and moisture or heat, gold has little reaction to oxygen, electricity, making it well-suited for jewelry and coins. When it comes to jewelry, gold in its natural state appears a metallic yellow. aluminum, it is often mixed with copper, However, silver, palladium or nickel to create an alloy with greater strength and to change its color.

Combined with copper, gold appears pink. In 18K and 14K gold, an addition of silver creates a greenish-yellow hue. Jewelers alloy gold with palladium or nickel to create white gold. Jewelry created with pure 24K gold is soft and therefore must be worn with greater care. The ornamentation of kings, gold is also loved in today's cultures for its versatility and beauty. The world's largest consumer of gold, India holds the precious metal in high regard.

Many Hindus believe gold is a metal of demi-gods and monarchs. On a social bangles and hoops are worn to Indian functions, gold charm bracelets, level, festivals and celebrations, but gold is more than just social statement. It's part of the fabric of the culture and inseparable essence of their belief system. For many generations, it represented the only form of savings that was practical for Indians. Gold is acquired through the years during special occasions such as a religious festival, births and Diwali, weddings.

In the United States, more than three-quarters of gold extracted today is used in jewelry. Other uses for gold include medical and dental purposes, as well as investments. Ever-conscious of trends, today's fashions wear well with gold jewelry. For instance, the gold chain necklace works with both casual and dressy styles. For a bold look, gold necklaces in a variety of textures are being layered. Popular gold colors include and white gold, Black Hills gold, rose-gold.

Remember the gold charm bracelets of the 1950s? Nearly every teen-aged girl owned such a charm bracelet, from which dangled tiny charms representing important moments in a girl's life. Even today, the gold charm bracelet is still beloved by today's women, who invest in the Danish-inspired gold charm bracelets. Adding specially-designed charms and beads to commemorate life's most important occasions and the simple joys of life. Recognizing the influence of the ancient world on such as King Tut, the Egyptian charm bracelet displays small charms, gold's burial mask, which were inspired by artifacts uncovered from ancient Egypt. As the world experiences shifts in economic stability, many have turned back to purchasing gold for investment purposes. Experts recommend gold should be included in properly diversified portfolios.

Held by every reputable bank in the world, gold is a universal finite currency. It should be considered a form of saving or financial insurance. Owning gold jewelry can be a benefit for the storage and passing of wealth to future generations. For investment purposes, 18K and 24K gold is recommended. Everyday pieces comprised of 12 to 14K gold are also considered investments.

Keep in mind that the higher the karat weight of the piece, the less durable it is for everyday wear.

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Why is Insurance Important?

There are different types of insurance. and life are just three of the various kinds of insurance policies that are available for consumers, automobile, Home. is used to help protect consumers when certain things happen, of all kinds, Insurance. For the most part, this protection comes in the form of money. It can also provide protection from and financial loss, damages, liability, but in the end, it usually comes down to money. Most consumers know that there are certain types of insurance that are mandatory.

Many states require that automobile owners carry a minimum amount of insurance for each vehicle the person or business owns. As with some other types of insurance, automobile insurance can be somewhat broad in nature. In other but will pay nothing towards your own damages, you can buy a simple liability policy that will pay a certain amount of money to someone that you have an accident with, words. Moving up the including medical awards and property damages, you could purchase a more comprehensive policy that pays for damages to both you and the other person, scale. There are levels of coverage all along the way, and this is why automobile insurance can be considered broad in nature.

In the case of automobile insurance, the reason insurance is important is that it protects you from having to pay damages in the event that you are found at fault for the accident. Without automobile including future earnings in order to pay these damages, you might lose everything that you have, insurance. Most consumers simply cannot afford to buy another vehicle for someone should they severely damage that person's automobile. The same holds true for any medical costs that might be associated with an accident wherein you are found at fault. With home owner's insurance, the minimum coverage level is often determined by the lender. Many home owners will add to this level of coverage in order to protect such things as their furniture and other personal items against loss.

Coverage will usually extend to people who may be on the property should they encounter an accident and sustain injuries. Again, the importance of insurance is to protect the owner from legal actions that may arise from outside parties as well as to protect the owner from real property damage such as fire. In the area of home owner's insurance, there is often controversy over what is known as flood insurance. Home owners should not assume that their policy covers damages due to flooding. This is often assumed by home owners and can lead to severe losses should a flooding event occur.

The only way to know if you are covered for flooding is to ask the direct question to your insurance company and to read what is in the insurance contract. Thousands upon thousands of homeowners have encountered severe financial loss because they assumed they were covered for flood damages they were not, in fact, when. In addition to personal property insurance there are other types of insurance as well. There are policies that insure against lost wages should you be injured. There are commercial policies used for businesses.

There are specialty policies used for high-ticket items such as jewelry or art work. Some might suggest that there is virtually nothing that you cannot insure, but protecting yourself and your assets against loss is one of the most important reasons for having insurance.

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Investing: It's Your Money Take Control Of It!

One of the biggest mistakes I frequently see investors make is needlessly losing control of their money. Any time you pay a hefty commission or face surrender penalties in order to get YOUR money you lose control. Losing control severely limits access to YOUR money and limits your flexibility to make changes. This can trap you in an under-performing investment adding years to the time needed to reach your goals.

Whose money is it? Is it your broker's, banker's or insurance agent's? No, of course not. It's YOUR money. Don't believe the lie that says you have to pay a big commission or face years of onerous surrender charges to get an advisor's help when you invest. It's simply not true. Can you imagine your doctor or dentist asking you to pay them for 10 years worth of service up front?

Then a professional advisor shouldn't ask you to, either. Sharon is a real-life example. Sharon became a widow a few years ago after her husband died of Lou Gehrig's disease. Her advisor put almost 90% of her money into variable annuities. Now her money is locked up for 10 years!

If she wants or needs more than a small portion of that money she will have to pay a penalty that starts at 9%! That's tens of thousands of dollars in surrender penalties. Whose money is it? It's her money, but now she can't get at it! Think about all of the reasons Sharon may want or need her money over the next 10 years. Her health could deteriorate and she might need nursing home or home health care. Maybe she decides to move to a different part of the country to be closer to her grandchildren.

Or she could decide that she wants to buy a second home at her favorite vacation spot. Her investment objective could change. Maybe she doesn't feel comfortable with her money fluctuating and wants to put her money in a CD at the bank. Her income or her tax situation could change so that she no longer needs that kind of investment. But it really doesn't matter, because now she can't get more than a small portion of her money for the next 10 years unless she pays thousands and thousands of dollars in penalties! Notice in all of these situations that Sharon is the one who gets stuck paying the penalty.

Not the broker or agent that sold it to her and definitely not the insurance company. It makes you wonder who benefits most from these transactions. It obviously isn't Sharon! None of us knows what tomorrow holds. So it's important to maintain the flexibility to access YOUR money! Thousands upon thousands of investors have seen the value of their investments drop substantially and because they are in a similar situation to Sharon, they have only limited flexibility to make adjustments to their portfolio.

Brokers would have you believe that the whole market is down and there isn't anything you can do. That's not true. For instance, certain Real Estate Investment Trusts have provided an attractive level of income without facing the wild fluctuations of the stock market. Portions of the bond market have enjoyed double digit gains in Besides, there's no need to pay a big commission or have long surrender penalties. My clients don't. They pay me a small ongoing fee instead. They get professional advice and access to investments they can't otherwise get but they keep control.

They can access their money whenever they want without surrender penalties. We can quickly adapt and adjust their portfolio based on market conditions and changes in their situation. Learn from Sharon's mistake. Don't let yourself be talked into an investment with a hefty commission or a long period of surrender penalties. Don't put all of your eggs in just one kind of investment basket regardless of how safe it is or how many features it has. And seek the advice of an experienced, professional advisor who gets paid by fees instead of commissions.

It's YOUR money. Don't let anyone talk you into losing control of it.

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