Monday, March 19, 2018

Tips to Reduce Your Home Insurance Premiums

Home insurance is a safety net that protects you from financial devastation if an accident or injury takes place on your property. Your policy is also going to help you replace your possessions in the event of a burglary. If your home insurance payments are no longer manageable, then here are a few steps that you can take to get your premiums back under control.

Improve Your Home Security

Your insurance provider might offer a variety of discounts for security upgrades. Even relatively minor projects like installing wireless cameras could save you a few hundred dollars every year. Before installing those devices, you should first contact your current insurance provider and ask for a list of all the discounts they offer.

Bundle Your Policies

Companies such as often give discounts to clients who bundle all of their separate policies. As an added bonus, you won’t have to worry about making multiple payments at different times each month. When bundling, you should mention all of your active policies including your car, home, health, and life insurance.

Boost Your Credit Score

Most insurance providers now factor in a policyholder’s credit score when determining their premiums and deductibles. As a general rule, policyholders who have higher credit scores tend to file fewer claims. Paying your bills on time, closing out unused accounts, and correcting errors on your credit report will all raise your credit score by a few points.

Rethink Small Claims

It might be tempting to file a claim for minor damage around your home, but those claims will eventually add up. Insurance providers typically increase premiums when policyholders file more than one or two claims a year. The best way to avoid making those small claims is to build an emergency fund that can cover issues like burst pipes and wind damage.

Another way to lower your insurance premiums is to increase your deductible. You will have to pay more out of pocket if an accident occurs, but your monthly payments could be reduced by a significant amount.

Moving Up To 5th Grade Soon

So our little girl is now in the 4th grade and it has been quite busy the last few weeks for us as we went from one Information Day or School Open House to the next in preparation for 5th grade. This is because she will transfer to a new school where she will spend the next 8 or 9 years studying and preparing for a career. 

The first 4 years of Grundschule are almost over and we are happy and proud to say that she is doing well. Although graduation ceremonies and/or quarterly recognition days are not big here, we are happy that she is happy learning and socializing with other children. 

Moving on to a new school, we are as excited as her as she takes another big step. We are thankful that she is recommended to continue on to Gymnasium, a kind of high school which will allow her to continue on and study at the Universit├Ąt or Hochschule later on. 

The German educational system is quite new to us so it is also like an adventure for us as parents. We just hope that we will be able to guide her and support her in the decisions that she will make in the years to come and that she will grow into the person that is meant to be.

In the coming days, we will be registering her at the school that left a good impression. We just hope and pray that she will be accepted. 

I am nervous and excited as I look forward to the new adventures and challenges that our young girl will face. But head's up Anak... rest assured that you will always have us behind you to back you up!

Wednesday, March 14, 2018

Benefits of Air Conditioning

If you live in Florida, your air conditioner is probably a huge part of your life when the summer rolls around. It gets incredibly hot and humid in the summer, sometimes dangerously so, and you need to be able to retreat indoors to a cooler home when the temperature is at its highest.

And yet, an air conditioner does more than just keep your home cool. We have mentioned before that it gets humid as well as hot in Florida, and an air conditioner can help you with that. Air conditioning involves lowering the humidity indoors to a more comfortable level, a task that is often more important than lowering the temperature. This lower humidity can keep issues such as mold at bay, which will be important if anybody in your home lives with allergies.

Speaking of allergies, a good air conditioning system can help with that in other ways as well. Your air conditioning system - and your HVAC system as a whole, for that matter - helps to filter out dust and other pollutants that can cause serious problems for anybody with moderate to severe allergies. In other words, having a good air conditioner is good for your family's health.

Of course, having a reliable air conditioning system will need to be kept in good working order. If you have a newer system, you should have relatively little to worry about. On the other hand, a system that is 15 to 20 years old might need some work. If you notice things such as rattling or clunking sounds coming from your vents or higher than normal utility bills, or you notice that your home doesn't cool off as quickly or as evenly as it once did, it may be time to contact a Bradenton FL air conditioning repair service to have your system checked out. Summer will be here before you know it, so make that call sooner rather than later.

Thursday, December 21, 2017

Why Is There No Room In My Kitchen?

The kitchen is one of the most used rooms in a home. It can be irritating to feel as if there is barely enough room to turn around. Below are a few inexpensive ways you can make this area of the home seem bigger and more open.

Minimalist Living

Cluttered countertops and every conceivable kitchen gadget is the nightmare of every minimalist. Cramped spaces are the worst areas to add a bunch of items to. It makes it seem even smaller and less user-friendly. Maybe it is time to become less attached to stuff and sort through what is really necessary. Finding eighteen serving spoons and three cutting boards might be why you feel so cramped in the kitchen.

Getting Rid of Redundancy

Having a toaster and a toaster oven is almost funny. They can both make toast. A 12-cup coffee maker sits next to a single cup brewing machine. Which do you use more? Two drawers full of utensils might be a bit much if you have a family of fewer than 20 people. You see the picture developing. Making more space will mean getting rid of a few things. Donate the extras to a charity thrift store, or hold a garage sale.

Switch to Smaller Appliances

Large double door refrigerators with in-door icemakers are nice if you have a lot of people at home, but it is taking up valuable space for one or two person homes. Having the biggest microwave on the block does nothing but eat more energy and take up incredible amounts of counter space. Little ways of trimming back on appliance size can make the room seem more spacious.

Wall Ovens and Cooktops

Get rid of a traditional stove and go with a quality cooktop and wall oven. You will add a decent amount of square footage to the room. You can add the cooktop to a kitchen island. You will have a lot of versatility in where these are placed, which can provide the prime opportunity for giving the room a more open feel.

Trim Down and Add Countertop Space

Once you have eliminated all of the unneeded items and downsized the appliances, if possible, you can use the extra space to add storage and countertops. Your kitchen will be nearly unrecognizable without clutter and stuff. It is an inexpensive way to completely give your kitchen a facelift.

Contact specialists like Sub Zero Service Center for all of your Miami Sub Zero repair and to find out about durable smaller appliances today!

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