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7 frequent mistakes to be wary of while purchasing auto insurance

7 frequent mistakes to be wary of while purchasing auto insurance
One of the biggest mistakes people make while purchasing a car is opting out of buying insurance. It’s not just because it is mandatory, but insurance also reduces one’s financial burden, especially in the event of a possible accident. Since buying cars involves hefty investments, finding the correct auto insurance and sidestepping frequent mistakes is crucial. Here’s a list of errors that can be avoided while purchasing auto insurance. Not doing adequate research With the auto insurance market witnessing stiff competition with so many insurance companies selling products with unique propositions, it may be difficult for a potential customer to single out the best possible one for them. You can avoid this dilemma by researching auto insurance properly. You may want to look at the websites of different insurance policies and review their insurance and CIN numbers. Check their social media pages and read customer reviews. Talk to friends and family members and get references for several insurance policies before you narrow down on one. Buying auto insurance in haste Like any other important product, one should never purchase auto insurance in a hurry. To avoid panic buying, you must study the different policies in the market and compare them.

4 insurance mistakes first-time boat buyers should avoid

4 insurance mistakes first-time boat buyers should avoid
Owning a boat can be an exciting experience. Whatever the reason for buying a boat—adventure, transportation, or leisure—a lot of thought and consideration need to go into the decision. After all, a boat can be quite expensive and prone to risks. So, first-time boat buyers need to do their research to choose the right boat and also maintain it. They also need to choose the right insurance policy to minimize the risks of boat ownership. 1. Assuming existing insurance will suffice Most homeowners’ and renters’ insurance policies offer some coverage for boats. But, the coverage has many limitations. For instance, a home insurance policy offers coverage of around $1,500 for damages to a boat. Apart from this, some policies offer liability coverage, but only if the boat meets specific criteria. For example, the boat must be under 26 feet long, and the motor must be under 75 horsepower. So, if any other boat is destroyed or damaged, one will not be able to fully recover the entire cost of the boat. Besides, most home and renters’ insurance policies do not offer coverage for certain kinds of damage, such as sinking, collision, and disablement. Also, these policies will have higher deductibles compared to dedicated boat insurance.

5 things term insurance does not cover

5 things term insurance does not cover
Insurance plans provide financial support in the event of illness, injury, loss of work, theft, loss of life, and property damage. One of the most common types of insurance policies sold in the country is term life insurance—a type of life insurance that offers coverage for a specified period. With this plan, the benefits are typically provided to the nominees of the policyholder. But this type of plan may not cover everything. Term insurance coverage Term life insurance is one of the most popular and straightforward insurance plans. It is less expensive than whole life insurance as it only lasts for a fixed period, usually between 10 and 30 years. While the exact terms can vary for each policy, term insurance typically covers d eath due to natural causes, accidents, or illnesses. Term insurance exclusions While term insurance is known for offering decent financial coverage, its scope can be limited, covering only specific events or conditions listed in the policy document. The amount of coverage can also be limited at times. There are many things that a term insurance policy may not cover, and they are called exclusions. One should know about these exclusions while signing up for an insurance plan to avoid getting their claims rejected later.

11 things to know about disability insurance

11 things to know about disability insurance
An unexpected accident or a sudden illness can restrict one’s ability to work and earn. If a person has disability insurance, it will help them cover a portion of their income, meet expenses like tuition, mortgage, rent, groceries, and utility bills, and run their household without disruption. While employers usually provide disability cover, one can also buy a plan from the government, a private insurance company, or a registered insurance broker. Important things about disability insurance Disability insurance, also called disability income insurance, is a vast subject. One has to spend considerable time understanding the different types of plans, eligibility, disabilities covered, benefits, premiums, and claims. Purpose of disability insurance Disability insurance provides a monthly income to a working person who loses a job due to illness, disability, or injury. It helps them pay recurring monthly expenses like groceries, utility bills, mortgage or rent payments, and tuition fees. It also protects the insured and their dependents from any displacement in the event of an injury or illness. Need for disability insurance This type of insurance is handy for primary or sole breadwinners and people supporting minors. It is also useful for those working in tough jobs requiring manual labor or jobs with a higher risk of injury or accidents.

Avoid These 10 Mistakes When Buying Auto Insurance

Avoid These 10 Mistakes When Buying Auto Insurance
One of the biggest lapses you can make as a car owner is not getting car insurance. However, it is important to avoid buying the first insurance policy you find. As purchasing a car is a huge decision, you should avoid leaving it unprotected, and getting auto insurance also helps you avoid hefty fines. Before getting the car insured, you should do your research, find the best provider, and avoid the following mistakes. Not comparing policies You should get quotes for multiple auto insurance policies offered by various providers. If you don’t compare the premium amount and coverage, you might end up getting an expensive policy with inadequate coverage. So, exploring all options is a crucial measure for getting a good deal. It is also important to analyze the benefits and costs and avoid making a decision until you have checked out multiple policies. Not updating the policy One of the most common mistakes car owners make is forgetting to update their auto insurance policy. For instance, if you don’t add your teenage driver to the policy and if your child continues to drive the car, you might have to face legal consequences in the form of penalties or trouble seeking insurance money.

6 exclusions of a dental insurance plan

6 exclusions of a dental insurance plan
Healthcare is a crucial aspect of any country, and it can be quite expensive if an individual does not have insurance such as Medicare. One of the healthcare options available is dental insurance, which can help save a lot of money on annual appointments and treatments. However, many people are not aware of the limitations of dental insurance. Here are six things that dental insurance plans may not cover. Cosmetic dentistry Restorative dentistry might be necessary when it’s related to one’s well-being. However, insurance companies usually classify cosmetic dentistry as an elective procedure and may not cover the cost of treatment. One should also note that many cosmetic dentists use restorative procedures, such as porcelain crowns, dental implants, and tooth veneers, for restorative and cosmetic purposes. Therefore, insurance may cover some or all of one’s restorative procedures but will not cover elective cosmetic procedures. If a dental procedure is necessary due to decay, disease, an accident, or injury, it may be considered a restorative procedure, and the insurance may cover some or all of the cost. It’s also important to note that some restorative procedures may be covered under insurance if they serve a functional purpose, such as replacing missing teeth or improving the mechanics of a patient’s bite.

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6 mistakes to avoid while booking a hotel

Various online platforms have made booking accommodations a breeze. Whether you are traveling within the country or abroad, you need to make sure that you have chosen the right place to say and made the bookings correctly, so there’s no issue when checking in. However, certain common mistakes people tend to make when booking hotels can put a hitch in their trip. Here’s a list of six such booking mistakes that you should avoid: Not clarifying the different elements of the rate Many a time when making a booking, people just see the room rate. They forget to check out other additional components of the room rate. For example, many forget to find out about taxes. If you are booking online, there are resort fees that you may not see immediately and forget to check about. The resort fee is an amount charged for certain amenities at the property and is mostly not part of the basic room rate. You may realize the extra amount to be paid only when you arrive at the hotel, and at that time, it is too late to cancel your booking without paying a hefty fee. Therefore, it is best to gather all information before you make the booking. This way you will not end up being in a sorry state spending more than budgeted for the trip. Choosing non-refundable rates to book the room This could be another big blunder. Non-refundable rates usually are lower rates than the normal rates, that’s why these are so attractive. Sometimes, the non-refundable tag are prominently displayed but at times it can be mentioned in tiny fonts somewhere below that is easy to miss. Unfortunately, situations can change anytime and what was once a confirmed trip, you may need to cancel the booking eventually. There could be an emergency at the home, or office, or you may need to change the dates, etc.

7 things to avoid doing when staying in a hotel

Staying in a luxurious hotel can be exciting. You can enjoy several amenities, personalized services, and complimentary benefits. But you should be cautious. Experts and travel enthusiasts have devised several dos and don’ts to follow when in a hotel to avoid confusion and make the trip more memorable. Special focus should be on the don’ts as these can risk your safety in a new place. Here are seven things to avoid doing in hotels: Opening the door instantly Many instantly reach out for the doorknob on hearing the doorbell or a knock. This is a big mistake. While it is okay to assume that the person on the other side would be a housekeeping staff or an F&B person, it is best never to take a chance. This is especially applicable if you are in another country, traveling for the first time to a place, or staying at the location as a first-time guest. Verify the visitor’s identity before opening the door. You can do so by looking through the peephole or glancing outside through an adjacent window. Letting strangers inside can be costly if they turn out to be someone with the wrong intent. Packing the hotel’s bathrobes in your suitcase This is nothing short of stealing; you could be in big trouble if caught. Besides the legal hassles, pilfering the hotel’s properties speaks poorly about your manners. Taking a small bottle of shampoo, conditioner, or body lotion may be okay because these usually end up in the trash. But not bathrobes for sure. Similarly, do not just pick other linen pieces, small electronic items, or any artwork from the room. Hotels conduct a thorough inspection after you leave and could impose legal charges if the offense is serious. Using throw pillows In luxury hotels, you may see throw pillows lying on sofas, chairs, and other sitting areas.

7 easy ways to accessorize any outfit

Accessories tend to not only enhance your attire but also make you appear vibrant. Be it a casual chic look or an utter formal attire, adding some flash and bling just infuses life into your overall appearance. However, your accessories can perform their assigned role correctly only if perfectly styled. Here are some easy techniques and tips you can apply to up your fashion game and bring the best out of your outfit: Do not pile up on accessories at a time Most people commit the mistake of donning all the available accessories at once with an outfit. It must be noted that as far as accessories are concerned, less is always more. The purpose of using accessories is to highlight your outfit. However, if you adorn your outfit with several accessories like a watch, scarf, jewelry, sunglasses, hat, etc., all at once, none of them will stand out, making your outfit look cluttered and even awful. Highlight neutral clothes with bold accessories While neutral-colored clothes can look dull and understated, they are also the most perfect ones to be used as a field for experiments. If your wardrobe is filled with neutral colors like olive, navy, beige, white, or black, now is the time to boost them by pairing them up with some bold-colored accessories. Here are a few methods to do that: Pair a navy or black dress with a thin hot pink or red belt. Highlight your dull olive or khaki clothes using a flashy yellow or orange scarf. Add some hue to your colorless white blouse by pairing it with big drop earrings or a multicolored statement necklace. Don’t be too matchy While it could be tempting to pair up the blue polka dots of your dress with some matching blue shoes, a blue necklace, and blue earrings, it would make the outfit too predictable, boring, and even childish.

8 must-have accessories for men

Accessories tend to constitute a crucial part of outfits. They are those magical wands that have the power to infuse life into the dullest of clothes. However, they can be equally intimidating if one is unaware of the basic rules of accessorizing and invests in the wrong pieces. So, here is a list of men’s accessories that never go out of style and, therefore, are a must-have in one’s wardrobe. Sunglasses When it comes to accessories, nothing comes close to a pair of sunglasses. They are practical, flattering, and the perfect solution for hiding the shadows under your eyes. Not to forget, they play a vital role in protecting your eyes from the sun’s harmful UV rays. Besides that, they are here to stay for a long time unless broken due to a mishap. Make sure you keep the style classic and subtle with tortoiseshell or black frames and dark green, black, or brown lenses. Wallets While paying for your necessities is now as simple as swiping a card or transferring through a smartphone, the charm of billfold wallets doesn’t seem to subside. And why not? They are practical, strong, yet flexible enough to accommodate their contents effortlessly, and, most importantly, they are durable too. They come in various prints, colors, and designs to suit every personality. One can also get them customized with initials or personal charms. Stainless steel watches These are the practical, no-nonsense cousins of the gold watches with a long lifespan. Besides that, they are extremely versatile. A classy watch can instantly amp up any outfit – be it a formal suit or a casual T-shirt and jeans. One can never go wrong with this men’s accessory. Durable belts Belts are not merely for holding your trousers in place; they also add to your overall look.

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5 styling ideas for women over 60

5 styling ideas for women over 60

Age is a number when setting a true style statement. Regardless of anyone’s perception, just because you are reaching the 60s doesn’t imply to stop working on your appearance and renounce your desires to look fabulous. Fashion is not just merely about trends; it is about how you express yourself through clothes as the myths of age must not limit your expression. So, here are a few best styling ideas for women over 60: Embrace your age One of the most typical fashion mistakes people make is choosing outfits that are supposed to make them appear younger than their actual age. The problem with such a choice is that you are paradoxically accentuating your age when you try to look younger by wearing an outfit that will be more appropriate for youngsters. For example, if you don high heels, short skirts, or flashy fashions that might be more appropriate for a person half your age, you are indirectly making yourself appear “older.” Instead, you can opt for clothes that are specially tailored for women your age. Sporting “age-appropriate” dresses will conceal your age and make others appreciate your other features like glowing skin or your build. And consequently, you will appear much younger than your actual age.
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5 tips to prevent and manage ulcerative colitis

5 tips to prevent and manage ulcerative colitis

Ulcerative colitis is a long-term inflammatory disease that triggers inflammation and ulcers in the digestive system. It impacts the colon and rectum’s innermost lining. The symptoms are typically produced over a period rather than unexpectedly. According to the latest studies, about 1 million people have ulcerative colitis, and if left untreated, it can be crippling and cause life-threatening conditions. So, here are 5 tips to prevent and manage ulcerative colitis: Get on with the treatment plan immediately Even though there is no concrete cure for ulcerative colitis, proper treatment can help ease the symptoms and signs of the condition and eventually provide long-term remission. If a patient feels that their bowel habits are consistently changing or if they experience any of the following symptoms and signs, they should immediately consult a doctor: Blood in stool Ongoing diarrhea that is not getting cured by any other types of treatments An unknown fever going on for more than a day or two Abdominal pain Diarrhea that wakes up the patient from sleep The treatments prescribed by the doctor will typically include a combination of oral therapy or surgery. As far as oral treatments are concerned, the doctor may prescribe any of the following types of therapies, depending on the patient’s existing condition:
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