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4 Items That You Need To Have With You Everyday

Here is the list of the things that you need to have with you every day. 

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For us to get through the day, we need to carry specific items that we need. Pixabay

For us to get through the day, we carry specific items that we need. These are the things that will keep us entertained, help us with our tasks, and for our survival. The most common mistake for a lot of people is that they don’t prepare and anticipate. People are more reactive rather than being proactive. It means that they wait for something to happen before they even respond than being ready before an event unfolds. 

We should be ready no matter what, and you must have the items for communication, for self-defense, for information, and even for purchasing.  If you have all of the essential things, then you are more than ready to face even the worst-case scenario. So here is the list of the things that you need to have with you every day. 

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A Watch

Of course, one of the most important things to know is the date and time. Today, watches don’t just tell you about the time. A lot of people don’t know that some watches have features that are important for survival. These enticing functions are the temperature gauge, chronograph, tide graph, moon phase, time equation, rotating bezel, perpetual calendar, and a GTM indicator.

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Of course, one of the most important things to know is the date and time and that is why you always need a watch. Pixabay

Don’t settle for a watch that runs out of battery because it’s a useless watch. Purchase a watch that is durable, classy, high-standard, and will look good on you, and then the Hamilton American Classic watches should do the trick. These are classic and vintage vibe watches that include automatic and chronograph watches. The watch will surely suit your style and any clothes you wear.

Money

The most important thing for daily survival is money. With cash, you can buy food, clothes, have shelter, and if you are bored, you can purchase something that will entertain you. If you are financially stressed, then money is the answer because it can help you get what you want and what you need. The value of money for people is high because some are saving for their needs in the future. 

If you speak it philosophically, you cannot buy everything with money, but it is used to calculate a person’s status. If ever you are in a situation that you don’t have anything with you except for money, then you will still survive and get what you need. You only need to know how to spend, and on what to spend because getting money is not easy. It will take you time to have lots of it.

Cellular Phone

Communication is also vital for a person if they want to get through the day. While there a lot of ways to communicate with other people, a cellular phone is the most accessible way in terms of technological advancement. People get quickly bored with what they have, and that’s why we have smartphones so that we can access a lot of things, and it will keep us from boredom. 

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It is essential to have excellent communication with others. You will need to get in touch with your family, colleagues, or various health professionals. There are pieces of information that you cannot easily send through letter or email because it is inconvenient, but with the use of a cellular phone, it is more accessible. Life and death situations will make you realize the importance of always having a phone.

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A mobile phone is one of the most essential items. Pixabay

A Lighter

You might be wondering why you would need to carry a lighter every day, even if you are not a smoker. The answer is that it somehow serves a higher purpose in a survival way of life other than lighting a cigarette. With a lighter, you can light a propane stove for cooking and lit up a candle in case there is a power outage. You can also open a bottle using a lighter, but you need a little practice before you can do that. Last but not least is that you can offer it to your smoker friends or stranger, which is helpful to them.

Also Read- Stressed Due to Lockdown? Heartfulness can Help you Out

Takeaway

No matter where you are and what time it is, always be prepared and simulate that worst-case scenario that will happen in your daily life. Know what you should do and what to bring so that if it happens, you are prepared and ready to face whatever is coming. Always carry with you those items listed above, and you are good to go.

 

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Top Tips Landlords Should Know

No matter what you might believe, landlords insurance is mandatory.

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landlords house ownership
Fortunately, there are so many things that landlords can do in order to make their job easier. Pixabay

A landlord’s job is much more complicated than what you might initially imagine. There are so many things that have to be done and it is very difficult to take care of everything when the managed property is large. Fortunately, there are so many things that landlords can do in order to make their job easier. Deacon.co.uk offers the following tips that should always be known. 

Get Landlords Insurance

No matter what you might believe, landlords insurance is mandatory. Remember that regular home insurance is not valid when the property is rented out. Specialist insurance is necessary to protect both the tenants and you. 

Loss Of Rent Coverage

We live in very tough times because of the covid-19 pandemic but this is not the first time the real estate injury was hit. This is why there are many different insurance policies in place to protect owners, tenants and landlords. One of the very important policies is the loss of rent coverage. This protects by offering income whenever properties are uninhabitable. 

landlords house ownership
No matter what you might believe, landlords insurance is mandatory. Pixabay

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You can also consider the use of tenant default insurance. This protects rental income in the event that tenants do not manage to pay rent. What is really important is to talk with the letting agent in order to make sure that tenant default cover is offered. This might be in place and you are not aware of it. Also, it is possible that the coverage does not apply. As an example, if the policy requires the presence of tenant reference check and it was not done, compensation is not offered. 

Liability Insurance

Liability insurance for landlords protects them if there are compensation claims that are made by visitors or tenants for damage or injury caused while on the property. For instance, this is a policy that activates when an individual trips over a carpet and ends up injured. Never underestimate what accidents can happen without any prior signs of danger. You are liable if accidents happen on your property and there could have been anything you could have done to avoid it. 

Rebuild Value

The property is insured for an amount. This amount is based on property rebuild value, which means how much it costs to rebuild everything from zero, including materials and labour. The rebuild value should never be calculated based on market value. Surveyors need to be consulted in order for a proper rebuilding value to be estimated. Alternatively, the insurer most likely has contact with such surveyors and can be contacted. 

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Liability insurance for landlords protects them if there are compensation claims that are made by visitors or tenants for damage or injury caused while on the property. Pixabay

Always Protect The Property

Landlords have to do all that is necessary to protect the property. This includes tasks like installing smoke detectors, window locks, door locks, and security alarms. You need to protect the property and the tenants. Also, when you show proof that you took steps to protect the rental property, insurance policies are cheaper.

Also Read- Travel Insurance Misconceptions You Should Not Believe

Final Thoughts

Landlords have a lot of work to do in order to protect the property and all the tenants. It is very difficult to keep up with all the laws that change more often than imagined. However, it is a necessity. 

[Disclaimer: The article published above promotes links of commercial interests.]

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Travel Insurance Misconceptions You Should Not Believe

The problem is that travel insurance is not properly understood by many.

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Travel insurance is a lot more than just health insurance. Pixabay

Travel insurance is very important for every single person that wants to be guaranteed proper emergency care in the event something goes wrong. Based on the policy that is bought, this can include coverage for lost luggage, scuba diving injuries, hiking falls or even the need to cut trips short because of family emergencies. 

The problem is that travel insurance is not properly understood by many. A lack of knowledge led to numerous misconceptions. The most common ones are presented by insure4retirement.co.uk below. 

Does Travel Insurance Just Mean Health Insurance?

The insurance is a lot more than just health insurance. There is a clear medical component included when faced with accidental injuries or sudden illnesses. At the same time though, travel insurance covers trip interruptions, gear theft, trip cancellation, and even emergency transportation when it is required. 

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With proper research, you can choose a reputable travel insurance company. Pixabay

It Is Possible To Choose What Doctor To Go To

Travel insurance does not cover health insurance and should never be seen as being that. It is meant to cover emergencies that were unexpected, like popping eardrums or breaking a leg. With travel insurance, you are covered but you cannot choose what doctor you go to. When you make this choice, you forego travel insurance and you have to pay for everything. 

Is Credit Card Protection Enough?

Credit cards offer highly limited protection. There are some that will cover lost funds if the card was stolen and some medical procedures might be included. However, the protection that you get is never actually enough to deal with serious situations. When something is covered, the limit is usually very low. At the end of the day, you are the one that has to pay the money difference. 

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You should never rely on the coverage offered by your credit card, except for the stolen items. 

The Way In Which Travel Insurance Works

When a serious medical emergency happens and overnight hospitalization is needed or you need emergency repatriation, emergency assistance has to be contacted. Arrangements can be made immediately and costs can be approved. With other situations though, like an admission to a hospital for a minor injury, reimbursement needs to be claimed from the insurer. 

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Travel insurance is very important for every single person that wants to be guaranteed proper emergency care in the event something goes wrong. Pixabay

Payment is made out of your pocket and then documentation is submitted to your travel insurance company. Always keep the entire documentation and file necessary police reports. All the receipts need to be saved. No travel insurance company can reimburse people based on your word. 

All Travel Insurance Companies Simply Want Profits

When you look online for reviews about travelling insurance, you quickly figure out that most are negative. This is because of two things:

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  • People do not read the entire contract and end up thinking that they are covered for things that they are not. 
  • People tend to write reviews only when something bad happens and they do not do the same when the experience is a positive one. 

With proper research, you can choose a reputable travelling insurance company. It is not as difficult as you might initially think. You just need to be patient and compare all available options so you can make an informed choice. 

[Disclaimer: The article published above promotes link(s) of commercial interests.]

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Taking Care of Finances Amid Coronavirus Crisis

COVID-19: Ensuring financial stability during the pandemic

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According to the latest IMF estimates, the world has already entered into recession which will be worse than the one in 2009. Pixabay

BY ADITI ROY

In uncertain times such as these, and while governments and communities across the world are trying to figure out how to prevent an economic crisis, it becomes imperative for us to take care of our finances.

According to the latest IMF estimates, the world has already entered into recession which will be worse than the one in 2009, but is projected to get some cushioning by next year.

While taking care of health and maintaining isolation and social distancing have become paramount, we also need to take precautions to manage our finances, making necessary modifications and adjustments, say experts.

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While governments and communities across the world are trying to figure out how to prevent an economic crisis, it becomes imperative for us to take care of our finances. Pixabay

“First of all, your family and your health should be a top priority. Secondly, the current shutdown will impact the economy and with that each of our finances. We recommend people to be on top of their budget and ensure that any income disruption is smoothed out via a proportionate decrease in spending. If you are fortunate to not have any disruption to your income, please spend on online food delivery and other online channels. All the small businesses in the country need you and your support.

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There are also many organizations working tirelessly to bring us testing and vaccine for the virus. Please do consider donating to these causes”, says Nityanand Sharma, CEO, and Co-Founder, Simpl, a data technology company that works with merchants and financial institutions to enable effortless and transparent monetary interaction.

Here are few ways to prepare for unforeseen times and be diligent with your money:

Plan an emergency fund

Personal finances are a source of stress. Understandably, numerous matters need to be accounted for. Even more so when planning for an emergency fund to cope with the unexpected; We might even procrastinate thinking such adverse situations in the future, hoping that they might not even happen. So, such funds become more important during the pandemic, which should be viewed as an emergency.

Going digital

Since the time of this outbreak, people are finding it difficult to pay for their utilities via cash. The payment via digital payment apps has risen.

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RBI has also urged customers to use digital banking facilities amid the coronavirus outbreak. In light of recent events, the National Payments Corporation of India (NPCI) has also started a campaign called �India pay safe’ in order to boost digital payments, as exchanging cash could spread coronavirus. With a whooping majority of smartphones penetration various digital payments app like Google Pay, PhonePe will ensure smooth transactions.

Review your investments

Become a bit more market savvy, this is a perfect time to do a risk analysis of your investments. You may want to re-balance your portfolio if it’s skewed excessively towards equity or debt assets, which are more prone to market volatility or to channel towards more risk-free assets like Public Povident Fund (PPF) or National Pension System (NPS) scheme.

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Personal finances are a source of stress and that is why you should plan them properly. Pixabay

Tailoring daily budget and expenses

Tough times call for pulling plug on luxury, discretionary and non-essentials expenses. Channel funds towards basic essentials and keep aside a chunk for unforeseen times.

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Review your health policy

Ever since the pandemic announcement of COVID-19, policies that exclude pandemic coverage may not settle claims arising from such cases, involving hospital treatment costs. Ensure you go through your health insurance policy document to get complete clarity on its list of coverage and exclusions and also check for any latest intimation from your insurer.

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So, if you are still procrastinating and not taking a proactive step to sort your personal finances, realise it’s need of the hour. Not just in emergencies, but taking care of our own finances during challenging times enables us to stay financially fit and minimizes financial anxiety. (IANS)