Monthly Archives: March 2014

The Road To Recovery: Why Flood Insurance Pays Off

flooded street

Lexington is a flood-prone area. This is why getting flood insurance and hiring water damage restoration experts is important. Every year, thousands of Kentucky residents and business owners are facing flood insurance premium increases, as the government seeks to pay debt from the National Flood Insurance Program. But is it really worth the cost?

flooded street

Homeowners should always be ready for a flood, whether it was caused by rising rivers, a tropical storm, or a landscape that redirects water. Floods can strike any time, even in areas where rain is less common and low-risk cities.

Water damage can destroy the structure of a building and leave outstanding repair costs in its wake. Major storms are capable of causing millions of dollars’ worth of damage just from water. If you have a recovery plan and really think it through, you’ll at least consider what may happen. If you don’t, you are going to suffer the consequence.

For years, people relied on water damage restoration contractors and insurance that’s far more affordable than the risks warranted, and the government paid the difference. But the questions remain: Will the federal government continue to subsidize insurance in areas that are increasingly vulnerable to severe storms?

Waiting until a flood approaches before getting insurance is too late. Even if the costs may increase, it’s still worth the price, especially because safety is always a major concern.

Resources:

http://nextgenrestoration.com/lexington-water-damage-restoration/
http://www.fema.gov/news-release/2002/06/11/national-flood-insurance-coverage-available-kentucky-homeowners-renters-and
https://www.floodsmart.gov/floodsmart/pages/residential_coverage/whats_covered.jsp

The Hungry Guide: Why Salcedo Village is The Go-to Place for Foodies

condominiums for rent

Salcedo Village in Makati is a premier residential and commercial area. The village has become popular as a perfect home for urban dwellers and office workers. Apart from its close proximity to entertainment centers, the village has enough restos and cafes to keep residents and visitors happy. Not to mention, the best place for food lovers. This is perhaps the reason more and more people look for condo for rent in Makati to enjoy these perks.

condominiums for rent

Blessed with enough time for lunch? Salcedo Village is full of options for casual dining. Try any of the following restaurants that cover just about every cuisine available in the city.

Warung Indo, Leviste St.

Gado Gado Salad, Beef Rendang, and Ayam Penyet (Marinated Fried Chicken) are just few of the many authentic Indonesia food available at Warung Indo. You can bring a friend or two and have your lunch in this bright-interiored place along San Agustin Street.

New Bombay, Dela Costa St.

Craving for Indian cuisine? New Bombay offers Chicken Tikka Dry, Chicken Biryani, and Mutton Biryani in a relaxed setting.

Shokuji, San Agustin St.

This has long been the go-to destination of Japanese foodies in Salcedo Village. What truly makes this restaurant worth visiting are the fast service, high quality food, and affordable prices. Shokuji’s traditional style of Japanese cooking makes it one of the best in the metro.

Salcedo Village boasts not just condominiums for rent. It’s now also the go-to place to eat your lunch, bring your date, curb your cravings for Indian food, or empty a beer bottle.

Resources:

http://www.makeitmakati.com/where-to-eat
http://rentinmakati.com/rent_apartmentcondo/
http://www.munchpunch.com/salcedo-village

Buying Silver: Choosing Dealers to Work With

silver coins

Many experts say that silver is the new gold, as its demand in the market constantly stays high. It’s also more affordable, so many consumers are making the decision to invest on the same. If you want to buy silver coins, bars, or bullions, you can get them from these sellers:

silver coins

Local Jewellers

Look around your area to find shops offering different types of precious metals. They usually have in-house experts who can help you decide which type of silver to invest in. They’ll also explain everything you need to know if it’s your first time to make an investment.

Online Jewellers

Many local shops have their own websites, while others only do business online. If you can’t visit stores personally, you can always order silver coins, bullions, and bars online. Look for those that have approval and certification from The Royal Mint and other related organisations to make sure they’re reliable.

Private Sellers

Buying silver from private sellers is okay, but you have to be careful. Take note of everything during the transaction to make sure you’re getting the right price. If possible, run a background check to make sure that they’re trustworthy.

Be careful about the investments you make. Regardless of the seller, you can get a good deal if you know when and what silver to buy.

Maintaining Marital Bliss through Smart Financial Moves

newlywed couple

The long-term happiness of any newlywed couple may depend on how they face tough issues, which include handling finances. To sustain your marital bliss, below are some of the smart ways to manage your finances as a couple:

newlywed couple

Buy a House

Nothing beats the feeling of having something that is all yours. House and land packages are an ideal first investment for newlyweds. Some of the advantages that go with buying a property are: (1) they are brand new; (2) they come with low maintenance cost; and (3) builder’s warranty.

Get Rid of Debts

Most newlywed couples start their marriages with credit card liabilities. Reduce your debts by transferring balances from high interest credit cards to lower rate ones. Make sure to slash expenses to pay down your balances immediately.

Check Your Insurance

You will never know what will happen tomorrow, so review your insurance carefully. As part of a group plan, your employer gives you disability insurance coverage, but make sure it can tide you over when emergency arises.

Establish a Joint Account

Many a new couple find merging their finances difficult. When you have a joint account, however, you can manage your household budget effectively. It also teaches accountability and forges stronger communication between you and your spouse.

Marriage is not just about a union of love; it is an economic partnership as well. When you say, “I do,” you also tie a financial knot that you need to keep strong throughout your marriage. Whether you buy house and land in Melbourne or invest in mutual funds, make sure you thoughtfully work together to avoid misunderstandings.

Assisted Living: Is It Right For You?

senior citizen having an activity

Despite having no one to take care of them, you may not want to put your elderly or disabled loved one into a nursing home. It may cost you financially and emotionally more to continue keeping them at home, however. Fortunately, you can set up your loved one in a local assisted living facility, apart from staying at home and nursing homes.

senior citizen having an activity

Image by scion_cho | License : CC BY 2.0

Determine the Budget for Expenses

Find out how much money you and your loved one have available to pay for expenses each month before thinking about assisted living. Once you’ve established your financial capacity, organize the necessary financial information.

Determine the Legal Rights

Find out if you have the legal right to decide about the living arrangement of your loved one.

Unless you have power of attorney or your loved one is incapacitated and you’ve been appointed as guardian, you may not have the right to decide. If you’re unsure, consult an elder care attorney or a social worker with the local department of human services.

Inquire at Assisted Living Facilities

Visit local assisted living facilities and ask about the daily, monthly, and yearly costs of living at the facility. With this step, prepare to deal with a lot of paperwork and phone calls.

Most people in Littleton and other places can’t take care of their elderly and disabled loved ones. With that said, think about setting them up in an assisted living facility.

Resources:

http://newoldage.blogs.nytimes.com/2011/06/10/assisted-living-or-a-nursing-home/?_php=true&_type=blogs&_r=0
http://www.lighthouseassistedliving.com/facilities
http://www.healthinaging.org/aging-and-health-a-to-z/topic:assisted-living/

Blast from the Past: 3 Ways to Style Your Modern Dream Bathroom on a Budget

elegant bathroom

Most bathrooms are small. But when you inspect yours for remodelling, you will find it full of potential. Taking a small, outdated bath from negligible to beautiful requires budget and creative use of space. Make the most of a small bathroom with savvy design ideas from interior design companies in Perth. They can help transform your bathroom into a fabulously frugal retreat.

elegant bathroom

Does a modern, well-organised bathroom seem like a fantasy? With thorough planning, it can become a reality.

Here’s how:

Details matter

Consider all your options if you are buying a new tub. Have professional Perth interior designers refinish your outdated tub for a fresh look. Make a small space feel bigger with mirrors and glass; reflection creates the illusion of more space.

Relief with white

Basic white toilets cost much less than anything in colour, as manufacturers sell more of these. One option is to install a toilet seat and add a few matching accessories such as a toilet paper holder and towel bars. Make them predominantly white, so the whole room looks bigger while the design costs less.

Smart storage

Improve cabinet efficiency by adding pullout shelves. Paint the cabinet doors for a quick and easy update. You can also add a cabinet above the toilet to provide additional storage and keep necessary items well within reach.

Just a few changes can make a dramatic difference. Whether you’re looking for a simple facelift or an overall redo, these budget solutions can help update your bathroom as if you’d spent a lot more.

Crown of Splendour: Keeping Your Hair Beautiful

keratin hair straightening

There’s nothing wrong with treating yourself to something good after a long day or week at work. When going out for “ME” time, don’t forget about your hair. Your crowning glory is an asset; keep it beautiful through the following treatments:

keratin hair straightening

Keratin Treatment

The modern woman styles her hair daily. For women with naturally wavy or curly hair, keratin treatment is worth giving a shot. The treatment strengthens your hair and makes your locks more resilient. Stronger hair means less breakage.

For women who have unmanageable hair, take care to the next level by keeping it sleek and healthy through keratin hair straightening treatment. If you have naturally straight hair, all you need is a good hair wash and you’re good to go.

Hair Spa

This treatment is a concept for hair rebirth. Hair spa is a therapy that makes your hair stronger, shinier and bouncier. It also deals with issues like dandruff and hair fall control. This is one of the most popular trends because it’s highly effective and economical, too. If you feel like your hair lacks volume and strength, then hair spa is your best bet.

Your hair, whether it’s straight, wavy, or curly always creates a lasting impression. Pamper your mane to keep it healthy and beautiful for the years to come.

The Science behind Fireworks

Fireworks displays leave spectators in awe. Whilst these colourful, bright lights look like magic, there is actually more science behind them. It takes precise chemistry and physics to pull off a multi-coloured display of lights that will leave everyone enchanted.

Fireworks

Pyrotechnic Chemistry

Fireworks are a product of pyrotechnic chemistry that has been refined over the centuries. It usually involves black powder, a fuel source, and an oxidiser. The black powder works as a propellant while the fuel provides heat. The oxidiser, on the other hand, provides more oxygen to accelerate the reaction and speed up the burning.

The Chemicals

Putting an impressive fireworks show involves more than just putting the basic ingredients together. To achieve a good visual effect, the size of the particles of the ingredients has to be exact. Blending the ingredients just right also makes a difference in creating a dazzling display.

Pyrotechnic chemists use big grains of chemical to slow down the burning. They do not actually mix the ingredients very well, as it makes it harder for the fuel and oxidiser to combine and burn. In making the final output sparkly, they use bigger grains. These are ignited by the black powder fire around them.

More Colours, More Fun

Fireworks are filled with chemicals such as metal salts and oxide, which react to produce colours. When heated, the atoms in these chemicals absorb the energy. This causes the electron to rearrange from lowest energy level to a higher state.

As the electrons cool down, they move to a lower level of energy. The energy they give is then converted into light or radiation. This is where the light of fireworks comes from. You can see the colours in the fireworks as they are cooling down. The chemical in the firework emits light at certain wavelengths and produces different colours.

The beauty of fireworks is highly attributed to precise science and chemistry. Learn more about different types of these pretty displays by visiting an online fireworks shop.

From Your Company to the Customers: Fleet Management for Deliveries

truck on the road

It’s nearing peak traffic hours, but you’ve yet to move the rest of the deliveries for the day. This can be a problem if you have customers waiting for their rush orders. One way you can solve this is to get a fleet management system. This allows you to track the location and speed of each vehicle, which enables you to decide which one should handle particular orders.

truck on the road

Communication Made Easier

Fleet tracking systems usually have a two-way messaging feature useful for providing complete and accurate details for each delivery. Get updates from each driver to clarify issues or just find out about their status. From there, your drivers can relay their concerns, allowing you to provide the necessary assistance quickly. This especially applies to navigation problems where the drivers are unfamiliar with the area. Giving them instructions over the system will help them find their way immediately.

Improvement of Service Quality

A well-maintained fleet control system will make the process faster from product handling and transport to actual delivery. Start earning a high satisfaction rate from your customers with a new and more effective process. Find out about the latest fleet tracking innovations to keep your operations efficient. This will help you make informed decisions about the right model for your business.