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Rants and Raves of a Bum

 




One of the things most customers require clarity on is what insurances are available when they hire a house removal service in the UK and the US. 

You should consider these following points when you are purchasing a service for your house move. 


Before you actually make the move

Take an inventory of all your items you will be moving along with their conditions and market value, this is to ensure that if disputes arise you can use your inventory list to back up your claim. 


Insurance

There are some fundamental insurances which the company you hire should have, to give you the peace of mind that your items are covered from any damages, it is always recommended to find a company that has these coverages before you hire them. 

- Public Liability insurance: An insurance which covers the business from claims against activities made in the public that caused personal injuries, death, loss or damage properties in the UK 

- Goods in transit insurance: An insurance which covers the goods against loss, theft or damages whilst it is being transported from one location to another in the UK. 

- Release value coverage (or basic carrier liability): A fixed value insurance that covers your goods at 60 cents per pound for the move in the US, this is a basic coverage and it is advised that you find a company that also offers Full value protection. 

- Full value protection: An insurance that covers the goods at market value against theft, loss or damages in the US. 

- Separate liability insurance: This is a catch all term for optional insurance that the movers can offer you, treat this as an additional insurance for your goods to make you whole in case anything happens with the items being moved, always read the terms of the policy. This type of insurance is most common in the US. 


Damage and claims

Your items were damage during a move, now what? 

1. Ensure that you review any terms and conditions again over the situation, there is usually a time limit to any claims. 

2. Speak with the mover and communicate your issue in writing, an email should suffice. 

3. Attach any evidence to support your claim such as photographic evidence. 

4. Your mover should respond within 30 days on your claim. 

5. If a settlement cannot be agreed you can opt to reach out to an Ombudsman service if it was promised as part of the move. 


What is an Ombudsman?

An Ombudsman is a service which can resolve disputed complaints, this service is usually used if not settlement can be reached over issues during a move, some mover companies may have a third party to provide such service. 

In some rare cases, the insurers may step in with a loss auditor who will assess the damages to help settle the claim against the insurance as well. If you are reading this article because you have a dispute, I wish you the best of luck in resolving that dispute with your movers.



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Along with the ongoing threat of this pandemic health crisis comes, one has to adapt to the new normal that affects everything and everyone. Despite the urgency of reopening businesses for economic reasons, the majority of the Filipinos are still forced to stay at home with uncertainty.

Apparently, these endless quarantines have taken emotional and mental tolls in the household affecting Filipino women, most of whom work from home and work at home. They have to take care of the entire family and household while maintaining a healthy work-life balance.

For some women, such trying times are something to lose their hair over, literally. Not many know this, but stress can actually cause hair loss. Mental health issues like anxiety and depression can also contribute to hair loss. Discover some of the 5 reasons why your hair might be falling out. Read more: https://bit.ly/35xfuDA





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Investing in yourself is arguably one of the best investments that you can ever make in your life. While many people may strictly associate investing as a way to increase your professional reputation and promote financial security, it can also be a fantastic way to develop yourself physically, emotionally and spiritually. When you choose to invest in yourself, it means you’ll be one step closer to achieving your personal goals. Here are five of the most worthwhile personal investments that you should consider.


Real Estate

Investing in real estate is often one of the first options that people consider. This is because real estate can generate ongoing passive income through rental payments, and can be an ideal long-term investment if the value continues to increase overtime. Alternatively, you could choose to buy land at Wallara Waters as a way to produce high returns, passive income, and large profit margins.


Education

Taking the time to invest in your education can open many doors and greatly help you to grow and improve personally. As well as enrolling on an educational course, there are many other ways to enrich your education and expand your personal knowledge and skills, including attending seminars and workshops, reading academic books, or listening to podcasts. Alongside being a valuable asset for your future, investing in your education gives you the rewarding opportunity to meet and interact with like-minded people who share your own personal interests.


Hobbies

Hobbies help to ground you in life. They can also be a leading factor for improved happiness and reduced stress, making them another worthwhile personal investment to consider. Whether it’s taking up photography classes or hiring a personal trainer to work on your fitness skills, prioritizing your hobbies can help you to create a healthy work and leisure balance while harnessing both creativity and productivity.


Health

Fueling your body with the correct nutrients and getting enough exercise is another key personal investment for a happy life. When you focus on leading a healthier life, you’ll be able to notice an improvement in your personal confidence, energy levels as well as your overall fitness capabilities. To start making changes to your lifestyle, try cooking different nutritious meals to find what you enjoy the most, and set up an exercise routine that fits realistically around both your fitness ability and your lifestyle. This way, you can build up healthy habits and begin to bring both short and long-term health benefits into your life.


Wellness

Just like your health, your wellness shouldn’t be ignored either. At its core, wellness is characterized as the process of becoming more mindful of your health choices while concentrating on your mental and spiritual wellbeing. This can include practices such as mediation and breathing exercises, or developing a healthier sleeping pattern and beneficial self-care routine. Wellness practices such as these help to block any stress involved in day-to-day life, which can in turn help to boost your mood and allow you to focus on your goals ahead.






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It’s very easy to buy just about anything online, from books and groceries to clothes and even medicine. But what about glasses? You could save time and money by buying your glasses online. But if you do, how can be sure of the quality, style, and fit? What are the pros and cons of buying glasses online?


Image - free for commercial use


How It Works


The exact way that you order glasses online will depend on the website that you buy from. With most of these sites, the idea is that you first choose the frame and colour that you would like. Next, you select features that you want, such as the kind of lenses. 


Some lens styles are designed to be extra durable, which will be a good choice if you have an active job or play a lot of sports. You can choose lenses with special coatings, such as ones designed to protect your eyes from harmful UV rays.


The next step is to enter your prescription information. Enter the distance between your pupils, to make sure the lenses are placed properly in the frame. 


To help you choose glasses that suit you some companies will send out examples of frames for you to try on at home. Others will let you upload a picture of yourself so you can see how the glasses will suit your face. Some companies will give you tips on which frames will be the best for what you need and the shape of your face. 


Reasons To Buy Glasses Online


Like any kind of online shopping, it is very convenient to order new glasses online, using your computer or another device. There are some benefits to choosing to buy glasses online:


  • It’s easy to shop around on different websites before you decide which one you like best. There are dozens of sites that sell glasses, including eyeglasses.com, so you can find the one with the best range of styles, the best prices, and the best service, to help you get the best deal and the best glasses. 

  • You can get lots of information about the glasses without having to drive to a store or office. This can save you a lot of time, and lets you do your research on your own time, without a sales pitch to go with it. 

  • You get a wide choice of styles, colours, and extras. Most online glasses retailers have a huge range of frames, often from many different brands. Without the limits of a storefront, they can hold much more stock, so there are usually more frames to choose from that if you bought from an optician or bricks-and-mortar shop. 

  • You can save money. With the ability to shop around, and the lower prices allowed by not maintaining a physical store, frames bought online are often much cheaper than other options. 


Reasons Not To Buy Glasses Online


There are some cons to buying glasses online, however:


  • You might not be able to try the glasses on or have someone to help you in person. Some sites will send out frames for you to try on at home, but not all offer this service. Choosing without trying them on can be difficult. Even if you can try the frames on at home, you won’t have anyone to help. When you buy glasses from a store, the staff will able to advise on proper fit and make any adjustments needed to your frames. You don’t get this assistance when you shop online. 

  • It can be hard to measure your own pupil distance, which you will need to do to order your own glasses. If you get it wrong, you won’t get the right fit. 

  • It can be difficult to return the glasses. Before buying any glasses, make sure you check the company’s return policy carefully, so you know if you can send them back if you don’t get on with the glasses. 

  • There’s a risk that the glasses will have the wrong prescriptions and other problems. An incorrect prescription will result in blurred vision or eyes that feel uncomfortable. Many shoppers report experiences like this, so choose your online retailer carefully. Read reviews, and make sure they are reliable and reputable. 

  • Some websites don’t take insurance. If your health insurance does cover glasses, look for a site that will accept it, and check the details on your insurance for how you need to claim. 


Tips For Buying Glasses Online



  1. Sport your style. While the main reason for buying glasses is to improve your vision, you also want to choose a frame that complements your style. The selection of frame features, fits, styles, and brands is larger than the options in any store. This gives you the freedom to tailor your glasses to your style and needs. Whether you need glasses for long days at a computer, or frames that will stay put during exercise keep this in mind when looking at frames online. Glasses are an everyday necessity, so they’re an important discovery. 

  2. Face shape and features. Knowing which frames will most flatter the shape of your face will help you to buy glasses online. The right frames will flatter your face, highlight your best features, and hide some of your least-favourite ones. Round faces look good in square or rectangular frames, which add angles. Square faces should open for oval or round frame, to soften the sharpness of the face. Smaller frames are best on oval-shaped faces. A heart-shaped face can be shown off with rimless frames or balanced with a more bottom-heavy frame. 

  3. Comfort and performance features. The bridge of your nose largely affects how a frame will fit. Frames that don’t fit the bridge of your nose properly will slip off. Frames that are too small will be uncomfortable and leave marks on your nose. An improper bridge fit can also cause you to look through the wrong part of your glasses, causing headaches. Adjustable nose pads make it easier to adjust the fit. Look for frames with nose pads and temples with grips for a secure fit. If you will wear your glasses with a helmet, choose a style with straight temples. 

  4. General lens features. When you buy glasses online, you need to know the difference between different features. This helps you to accurately choose what you need your lenses to do. Digital lenses are made with a more accurate manufacturing process, which is helpful with higher prescriptions, larger lenses, or wrapped frames. Light-reactive lens will change in colour depending on the amount of light. Polarized lenses reduce glare by blocking light that comes in from different angles as it bounces from water, the road, or windows. 

  5. Lens coatings. The coating on the lens is what makes your glasses last longer and work effectively. Tints come from a dip process of adding colour to lenses to add contracts to your surroundings. Mirror coatings are reflective top coatings that are applied to the front of a lens. This reduces light transmission from harsh, bright light. This coating is useful for driving. An anti-reflective coating reduces glare from the surface of the lens, giving you crisper vision. Scratch-coating protects against scratches. 

  6. Reference your old glasses. Whether you love or hate your old glasses, it can be helpful to have them with you while you’re looking for new glasses. If you love your current pair, look for something similar. Having the size and fit available will make your online search much easier. If you don’t like them, you know what features and fit to avoid while you’re shopping. 

  7. Vision type. If you are shopping for prescription glasses, you will need to know what type of vision you have. Single-vision is one prescription all the way through the lens. Lined bifocal means two prescriptions in one lens, usually for distance and up-close reading. There is a visible seam on the lens between the two areas. Progressive vision needs a lens that has three areas; distance, intermediate, and near. There are no visible seams on the lens, as the power changes gradually. 

  8. Updated prescription. When you have chosen a frame that will work for your vision needs and style, you will need to make sure that you have an up-to-date prescription ready so that the online optician can create the prescription lenses that you need to go in the frames that you have chosen. 

  9. Pupil distance. If your prescription is going to provide the clearest visions possible, the centre of the lens needs to be in a position directly in front of your pupils. To determine where to place the centre of your prescription, the optician will need to know what the distance between your pupils, which is called your PD. 


If you do decide to buy glasses online, make sure you do your research first. Make sure you know how to properly measure your pupil distance, and how to understand your prescription, so you can order your glasses correctly. Look for a reputable retailer and take the time to shop around. 



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Becoming a homeowner is a huge commitment, both in terms of time and finances. However, 2020 is bringing new challenges that can have dramatic consequences. Making your homeownership dream come true requires careful considerations. As many professionals have found themselves laid off during the pandemic, many future homeowners are worried about planning safely ahead of the purchase of a new property. 


It’s time to observe and analyse the new obstacles that the pandemic is putting in our way. Understanding how to recognise and avoid costly mistakes that you will live to regret can make a huge difference. Here is what the homeowner of the future needs to think about: 


Pexels - CC0 Licence 



Don’t ignore health risks

The days of visiting properties are not gone. However, for the foreseeable future, potential buyers need to be smart about planning their visits. Reaching out to real estate companies that provide virtual tours, such as the digital visits to see the property designs by Bellriver Homes from your home, is a game-changer. For the time being, it becomes essential to reduce contagion risks and limit physical interactions. Ideally, new builds should be safe to visit, as risks are limited. You can also ask the realtors whether the property is sanitized after each tour. However, inhabited residential areas could be a source of infections. 



Don’t overcommit for fear of missing out

How long should you wait before you make an offer? Should you offer to pay a high price to guarantee you can buy the property? 

While common sense would advise against signing up the first mortgage deal you can find, new home buyers are worried about missing their chance if they don’t act quickly. Unfortunately, this behavior could lead to an unbalanced mortgage deal or the accumulation of unsecured loans to cover mortgage repayments. Do your homework to make sure you understand how much you can afford to pay. In those challenging financial times, there is no need to create additional difficulties. 



Don’t decorate in a rush

A lot of new homeowners believe that they should decorate their property as they move in – or even ahead of the move. In reality, you may think you are saving time, but it is a costly practice that can come back to bite you in the bum! Taking the time to get to know your home and get used to its nooks and features can help find creative and cost-effective solutions. Check this smart HCVA cover work, for instance, that transforms an eyesore into a decor accent. 


Pexels - CC0 Licence 



Don’t make assumptions

It’s your home. Presumably, you’re allowed to add an extension, right? A lot of new homeowners face significant costs and problems because they fail to double-check all the facts. Some properties may not be suitable for building extensions due to their locations or historic protection, for instance. The most common decisions that are based on wrong assumptions refer to: 


  • Home extension projects

  • DIY safely and insurance cover

  • Locks, doors, and windows safely 


Don’t decide anything until you know for sure what the consequences would be. In a post-COVID world, a lot of people prefer to reduce delays by avoiding contacting the authorities or their insurer to validate decisions. Don’t make the same mistake! 



The days when saving enough money for your deposit was a homeowner’s only worry are long gone. In 2020, becoming a homeowner means you have to worry about contagion risks, financial instability, affordable decor, and proper home maintenance. The bottom line: Don’t cut corners that you could regret later! 


 

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Building a house is the best way to create a home that perfectly matches your needs. When you build your property, you have a level of control that you simply won’t get when moving to a pre-owned home. This level of control enables you to tailor your home to meet your needs and tastes perfectly and should minimize the need to compromise on the details of your new home.


Building a new home is an opportunity that usually comes along just once in your lifetime. As you are putting so much time and effort into your building project, it is essential to ensure that when your new home is complete that it matches your dreams in reality. These top tips will ensure that you avoid some common problems that many people face when building their own home:


Research Your Location


There are many things to consider to ensure that your house build is successful. One of the most fundamental factors that you will need to decide to make your house build work for you is the location. Finding the correct location is vital. While there are things that you can change about the house as you progress with the project, the location is something that you cannot alter once the work gets started.

You will need to consider the type of location that you wish to live in; would you prefer a remote, location, or perhaps you are more of a city dweller or would prefer a house in the suburbs.


After you have decided on your ideal setting, you can refine your location search further, and begin to consider things such as the local amenities and facilities available there.


Choose the Right Builder


Finding the right builders to take on your house building project is another crucial consideration. You need a builder who will drive the project forward and complete your home to the highest possible standard. Don’t forget to look at examples of their previous work to see if they match the kind of style that you have in mind.


The right builder will work with you to understand what you want from the build and then use their expertise to make this a reality, so choosing the best builder for the job is worth taking your time over.



Match Your Needs


Building a house that looks amazing in not enough on its own. You also need to create a house that is practical and suits your needs. Building a home yourself provides you with the unique opportunity to add features that you would not find in a regular home. Working with your housebuilder, you should be able to tailor the property to include everything you need to enhance your lifestyle.


It is crucial that your new home incorporates the space that you need and includes the features that you want from your home. It is also vital to choose the right builder to create a home where you can spend many happy years.







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Moving is an inevitable part of life. Whether you are a nomad or are packing your bags and boxes for the first time in your life, moving is a notoriously stressful process that can take its toll on even the best of planners. Moving is made worse if you have many large, bulky and heavy items to bring along with you to the new place.

Try these moving hacks for yourself and discover creative ways to improve the process:
Packing. Packing for a move will be the most time-consuming task in your moving checklist, so it’s best to plan ahead and start packing the moment you’ve decided to move. You can start with decluttering your store room or kitchen and pack small items into boxes along the way.
Heavy lifting. Lifting, carrying and loading super-heavy and large household items can be plain dangerous and too risky if you’ve never done it before. You’ll need proper moving equipment and reliable helpers to make it injury-free and damage-free to your belongings.
Truck renting. Renting a moving truck is tricky – you don’t want to rent a truck that’s too small because it won’t fit all of your belongings; on the other hand, you don’t want to rent a truck that’s too big because you don’t want to be paying for storage space you’re not going to utilize. Speak to the truck rental company and give them details of your items for them to decide the size of truck suitable for your move.

If you have many heavy and bulky items to ship to your new destination, you may require a full truckload (FTL) service.  A FTL service is used for shipments that can fill up an entire truck. It’s also a trucking option if you require a faster transit time, because the trucker goes directly from origin to destination without any additional pickups or deliveries or stops at terminals along the way.  If you have just a couple of large and heavy items to move to your new place, you can even rent a part load of the truck, which is cheaper than a FTL, from shipping service sites like Shiply.

Shipping large or heavy goods can be challenging and stressful when you are planning to move to a new home or office. Shiply offers fast and reliable delivery services for heavy or bulky items. Whether it's a 4-door inverter refrigerator, a grand piano or your car, you can count on Shiply to do the heavy lifting for you.

For a hassle-free move of your heavy and bulky belongings, the best place to book the cheapest freight shipping service is at Shiply’s reverse auction sites and all it takes is to fill out a simple online form and the quotes will be emailed to you for comparison.



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Are you comparing secured vs unsecured loans? If you're in need of financial help they can both offer you funds but which is best? Let's take a closer look.



Did you know that in the last year, more than 34% of Americans have taken out personal loans?
When you decide that it's time for you to borrow money, you may have to decide between secured vs unsecured loans. What exactly is the contrast between these loans?
We've created a quick guide to help you better understand. Keep reading to learn more!

What's a Secured Loan?

A secured loan is a type of loan that's backed with collateral. To know more about a secured loan you need to know what is Collateral and why is it so important. In simple words, a collateral is something that you own that's valuable. Some of the most often used pieces of property that are used for collateral are cars, jewelry, and boats.
When you apply for a secured loan, the company or person providing you with the loan will hold onto the collateral's deed (or the title). If you are unable to pay the loan back, the entity that lent you the money will take possession of whatever you place up for collateral.
Once possession is taken of the collateral, there's a chance that the lender will sell the collateral and use it to pay off any of your outstanding debts.

What's an Unsecured Loan?

An unsecured loan is a money that you're able to borrow without using anything as collateral for the loan.
Typically, with unsecured loans, there will be a smaller amount of money that you're able to borrow. You may also have to have a high credit score to qualify for the loan. Don't be surprised with the interest rate of your unsecured loan is high.
Some of the most common types of unsecured loans you can expect to see are personal lines of credit, as well as credit cards.

How to Decide Which Loan Is Right for You

A secured loan is likely a lot easier for you to earn, as there isn't as much of a risk for the lender to allow you to borrow from them. If you have a limited credit history or you have a low credit score, a lender will be much more likely to provide you with a secured loan.
Plus, secured loans are great if you're looking to pay less interest on your rates. In the majority of borrowers, people are able to borrow more money with a secured loan.
However, there are unsecured loans on the market that offer lower interest rates than what you may find with a credit card. Plus, if you're looking to finance a specific purchase, an unsecured loan can help to prevent you from overspending.

Understanding the Difference Between Secured vs Unsecured Loans

Both secured vs unsecured loans offer their own unique advantages and disadvantages. The type of loan that's best for you will depend on your unique financial situation.
Just be sure that before you sign any papers, you have a solid understanding of the repayment period, the interest rate, and the amount that you'll be required to pay each month on loan.


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Whether you’re planning a special birthday gift for your child or whether you’re thinking ahead to the upcoming Yuletide celebrations, you’ve probably been through the same immediate thought process as everyone else, which goes a little something like this… “oh I’ll just, I’ll look what there is, closer to the time, and err, hold on, hang on just a minute, what do kids actually want these days?”. 

The answer is access to a gaming console on which they can play 25 hours of Fortnite per day. 

They also want a screen bigger than your first school (and a backup tablet with a noise cancelling headset so that they can continue to play Fortnite whenever you force them to leave their rooms for essentials like eating food). 

Basically, they want to play that one video game. Over and over. Every single day. And they want to spend something called V-Bucks, which to them is a fictitious online currency, but to you is your real money that you had to go to work to earn so that they can convert it to V-Bucks and buy who knows what on a game that doesn’t matter to anybody over the age of 13. It’s a slim list of wants. 

What about a hoverboard, you ask yourself. And you may research things like ‘what are the hoverboard laws in Jacksonville, Florida?’ And you may put yourself off the idea. So, we decided to take a look back on what’s been popular in the past, because before Fortnite, kids wanted things. Let’s take a look.

Laser tag (1986)

Heralding from a time before computer users could overlap several applications/windows at a time on Bill Gates’ popular tech platform (a feature that was introduced in ‘87 … despite the company already being called ‘Windows’, which has always struck me as odd - surely up until this point, the company should have been called ‘Full Screens’, but anyway...) laser tag was a way to get kids moving. 

There are new versions now, but the concept is the same. You wear a small gadget on your body and your enemy does the same, then you try to shoot each other’s gadgets with lasers. Hours of fun!

Tamagotchi (1997)

Although it would be expected to say that cyber pets have come a long way in the more than two decades since they were a big thing, they really haven’t. 

The charm of the grey screen and the pixelated pets just couldn’t evolve without losing the original appeal. Therefore, your kids can experience exactly what you remember (at a shockingly low price tag these days!). 

Lastly… we turn to 2005 and the humble BMX

BMX bikes were the must-have thing in 2005. Kids love them. Check out your nearest skate park and get involved in some outdoors fun. 




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Financial markets are great. You can make money when prices are rising, and you can generate income as they go down too. So long as you make the correct bet on the direction that the market will take, you can often wind up making a fortune.
Crises are the best time to be a market participant. During regular times, things skip along predictably, and everyone knows where they stand. There will be the odd bit of news here and there, but generally, things remain relatively stable.
When things go pear-shaped, though, people don’t know how to react to circumstances. They often do what their emotions tell them to do, rather than what cool, level-headed calculation would suggest.

Pixabay - CC0 License

It is at times like these that retail investors like you can thrive. If you can see something that the market can’t, then you can potentially make a lot of money.
Take the recent coronavirus outbreak and the effect that it has had on the market. A lot of people saw what was going to happen in March back in January and began preparing. Jeff Bezos, for instance, sold a bunch of Amazon stock, perhaps because he could see the writing on the wall.
Making Money On The Foreign Exchange Markets
Whenever there is a sizable crisis, the foreign exchange markets go wild. Everyone runs to their forex broker and cashes out of risky currencies into safer ones. The US dollar is currently riding high because international investors all see it as a haven for their wealth. If currencies fail, the dollar, they tell themselves, will be the last to go.
If you could see the crisis coming, you would have made a lot of money by anticipating the rise in the dollar. Your thought process might have gone something like this:
  • People get scared in a crisis
  • When they’re worried they flee to safe assets
  • The US is the largest repository of safe assets in the world
  • People, therefore, will buy US T-bills, bonds and stocks
  • This purchasing will push up the price of dollars relative to other currencies
  • Consequently, I should buy now to increase my overall purchasing power
The dollar, of course, is up more than 10 percent against most major currencies, and will probably remain high for some time. Whether it will go higher remains a matter of contention.
Making Money On The Equity Markets
Crises also have a habit of picking winners and losers. During the coronavirus, companies that lost out are mainly in the travel and tourism sector. Warren Buffett sold all his airline stocks after holding them for many years, believing that the industry is mostly dead for the foreseeable future. Meanwhile, apps like Zoom have seen their value soar as companies move their operations online.
Making money on stocks during a crisis, therefore, involves thinking about which companies are best positioned to provide services that will serve the crisis-stricken mainstream. Medical and cloud computing stocks are up right now. Any company whose business model relies on people coming into close proximity with each other is down.


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About me

A Stay At Home Mother / Proud mama of Andres and Amira / Blogger




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