It used to be only seniors faced the ultimate decision of whether they wanted to rent or own their own home when they retire.Now, due to an uncertain economy, everyone from college graduates just starting out through seniors planning their golden years must decide which is the better option: to rent or to buy.Home ownership was often thought to be the better choice. However, as we have all witnessed these past few years, home ownership has its share of risks.
These risks include fluctuation in market value, maintenance costs and insurance deductibles to name a few.As a homeowner, insurance is a requirement of a mortgage loan; but a renter may have a choice of whether or not to purchase insurance, unless, of course, the lease agreement provides otherwise.
When you rent, the landlord has insurance for structural damage to the building. It is important to note that this coverage will not extend to your personal property or living expenses resulting from fire or some other covered mishap.
The average cost of renter's insurance is minimal; usually between $15 and $30 per month, depending on what is covered and under what terms. Further, many insurers will reduce the premium if you have increased security for the dwelling. Policies can shield everything from electronics to appliances, plus jewelry and other property listed on the policy. Believe it or not, most people own more than they think, as we tend to accumulate items as time goes by.
Should you decide to rent rather than own, discuss with your insurance agent policy specifics. Inventory your property before the meeting, save receipts or other proof of ownership and take photographs of your personal property.
Having an inventory of the contents of the property will make it easier to file an accurate claim. When filing a claim with your insurance company, know the value of the property and the cost for replacing the damaged property if you have replacement cost coverage. Make sure to know what is covered in the agreement, because some items, like jewelry, for instance, may require optional coverage.
Should you decide to rent rather than own, discuss with your insurance agent policy specifics. Inventory your property before the meeting, save receipts or other proof of ownership and take photographs of your personal property.
Having an inventory of the contents of the property will make it easier to file an accurate claim. When filing a claim with your insurance company, know the value of the property and the cost for replacing the damaged property if you have replacement cost coverage. Make sure to know what is covered in the agreement, because some items, like jewelry, for instance, may require optional coverage.
First, the normal people gifts, which appeared in my newspaper this morning. One is a kitchen appliance called the Smoking Gun. What does it do? Heres the entire description: The Smoking Gun infuses foods and drinks with smoky flavors with a click of the trigger. A flexible hose makes it simple to use the tool, which comes with resealable bags and containers.
At the outset we have to assume that youd like to add an artificial smoky flavor to your foods and drinks,Costume and fashion online wholesale jewelry Jewelry designs, because, really, who would even touch their hamburger and Pilsener without smoke? Okay, different strokes and all that. We also have to assume that instead of just dripping a few drops of artificial smoke from a tiny bottle, youd prefer to shoot the drops from this dispenser. And lets not forget the flexible hosepresumably in case you want to add the smoke yards away from the smoke sourceand resealable bags and containers; as everyone knows,Our tungsten rings come with a lifetime warranty. its good to keep artificial smoke close at hand for months on end. So, how much does this cost? Williams-Sonoma will sell the Smoking Gun to you for a cool $100. I guess the Smoking Gun could also be used to ward off criminals: Stop right there or, I swear, youll get hickory in your eyes!
But wait, theres more. In the same advertisement comes the Stainless Steel Prep Taxi. Whats that? The Stainless Steel Prep Taxi transfers prepped food from cutting surface to pan. The heavy-duty stainless steel scoop holds 3 cups and is dishwasher safe.
Let me get this straight: Youve chopped the onion and bell pepper on your cutting board, and now you want to fry it up.This handsome link tungsten bracelet for men is constructed in maintenance-free tungsten. If you were a petty amateur with no style, youd lift up your cutting board and walk the five feet or so to your stove, where youd slide the vegetables into the frying pan sizzling with olive oil. Orand heres what I guess the elite doyou could lift up your cutting board, slide the vegetables into the Stainless Steel Prep Taxi, then and only then walk the five feet or so to your stove, where youd pour the vegetables into the frying pan sizzling with olive oil. Isnt that kind of like hailing a taxi to take you to your car in the driveway? You can buy the Stainless Steel Prep Taxi from Sur La Table for only $13. And remember, its dishwasher-safe, because of course now you have to wash the Prep Taxi as well as the frying pan.
Those are gifts that are excessive for normal people. Before I tell you about the gift that I think is excessive even for rich people, let me make an admission: Im a guy. I wear pants with pockets; even my walking shorts have pockets. And in these pockets I carry pretty much everything I need if Im away from home: a wallet with money and credit cards and drivers license and membership cards and photos of my son; my car keys; loose change (what other kind is there, really); a cell phone; a pen (I am a writer, after all); and sometimes a list of items I might need to buy at the grocery for that nights dinner.
Thats it. I have no need to bring along make-up or books or tissues or electric shavers or computer notebooks or small television sets, so I dont carry a handbag. If peoplenotably womenwant to lug around a 30-pound handbag with them wherever they go, fine; dont complain to me when you need to see an osteopath. But we live in a mostly free country, and so, sure, carry a handbag, or a purse, or a clutch, or whatever you call it. And, absolutely, buy one thats attractiveyou know, with, like, embroidery or faux jewelry on it. Go wild. What could it cost50 bucks? Okay, 75 bucks if it was made here and not in Malaysia.
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