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When Did You Last Review Your Insurance Coverage?

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When is the last time you compared rates on your home and auto insurance policies? Unfortunately, policies held for a long period of time accompanying a stellar safety record don’t always translate into lower insurance rates. Even if you think you have a good rate, shopping around periodically is smart.

After receiving my April newsletter and attempting to follow my advice of maintaining an umbrella insurance policy, one of my readers contacted his insurer to add coverage. This reader was shocked when his insurer informed him that he didn’t qualify for an umbrella policy because he didn’t carry sufficient liability insurance on his auto policy. (Minimum auto liability insurance – frequently $500,000 – is required in order to purchase umbrella coverage.) Although this individual had owned his policy for eight years, he was unaware that the policy only provided $50,000 of liability coverage. This amount was clearly insufficient for an individual approaching and preparing for retirement.

In addition to realizing that he was severely underinsured, this individual discovered he was also paying excessive premiums. For only $50,000 of auto liability coverage, this person was paying $914 per year. Moreover, the individual realized he was paying $351 per year for the $350,000 of liability coverage the individual had on his condo.

Consequently, in total, this person was paying $1,265 per year for $50,000 of auto liability and $350,000 of home liability coverage.

This individual then spoke with an independent insurance agent to increase auto liability coverage to an amount that enabled him to obtain an umbrella policy. This was critical, as it dramatically decreased the individual’s liability exposure, a risk an individual with accumulated assets clearly shouldn’t have. Even better, the individual was able to obtain dramatically improved rates on his policies. For a total of $1,207 (less than he was previously paying!), the individual was able to secure $1,000,000 of auto liability coverage, $350,000 of home liability, and an additional $1,000,000 umbrella policy.

Clearly, it can be beneficial to occasionally review and compare rates on your insurance policies. People tend to believe that policies that have been owned for extended periods of time are efficiently priced, but it may be the opposite. If you haven’t verified that you are adequately insured and conducted a cost comparison recently, speak to an independent insurance agent and minimize your exposure with cost-effective policies.

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How Can A Fireplace Blower Keep Your Home Warmer?

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Having a fireplace in your home is not only beautiful to look at when you have a fire burning and logs crackling, but it is also a great source of warmth and heat as well. To help spread that warmth around the room, or rooms, you can add a fireplace blower. Here is a closer look at how a fireplace blower works and how it can help heat your home this winter.

How does it work?

One of the biggest concerns with having a fireplace has always been the fact that it doesn’t really heat up a room too well. Unless you have a way of blowing the heat out into the room, it will only keep a small area warm. Well, this is where a good fireplace blower will come in. It takes the heat that is generating from the fire and distributes it out into the room. The blower can do this by sitting in front of the fire in order to heat the entire room, or in a doorway to help heat more than one room. Of course, you will always want to follow the manufacturer’s instructions for placing it the right way.

How does it really help?

Keeping warm air from the fireplace circulating throughout the room or home is a great way to reduce heating costs and get the maximum amount of efficiency out of it. It will not have any effect on the combustion of the fire, only in distributing the heat produced.

How do you install it?

Installing a fireplace blower isn’t overly difficult as long as you have a power source handy in which to wire into. Generally speaking, blowers are installed at the same time the fireplace is built, but that doesn’t mean you can’t still have one. It may just be a little more expensive in doing so. The job can be accomplished by a do-it-yourselfer, or in most cases, having a company come out and do it for you.

You can find all different types and styles of fireplace blowers on the market. There are many websites that offer online catalogs to browse through as well. Prices range from very affordable to more expensive depending on the model and size. You can easily find one to fit the size of your home.

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How Can You Tan Through Your Shirt to Remove Your Tan Lines?

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Tan through shirts can be worn anywhere. You can even out your tan lines naturally and safely by just walking around town or watching a summer time parade or by doing anything outdoors. You could wear a tan through shirt to work and then head out to the park for a jog and enjoy the cool feeling this shirt can provide.

Tan through shirts are ideal for those who love outdoor tanning activities without having to spend hours at the beach or at the park flipping over, waiting, flipping over again and again. You now have the ability to tan through your shirt and get rid of the farmer’s tan look that has been haunting you for years! Now more than ever, with the popularity of tan-through technology increasing there will be many more styles and colors to choose from.

Tan-through shirts rapidly wick moisture through the fabric making you feel cool and comfortable on very hot days while at the same time working on removing your tan lines. The tan through material is made from a special knitting technology that creates millions of tiny pores in the fabric. These pores allow approximately half of the sun’s light to pass through to approximately the same degree as a medium level sunscreen so you never risk unprotected exposure to the sun. The fabric is smooth, and the porous nature of the fabric allows your skin to breathe, which keeps you cool all day long.

It is a simple (you just put the shirt on), yet complex technology. Remember to use an SPF6-10 under your shirt to build a base tan safely and naturally during your outdoor activities. One of the benefits of a tan-through shirt is that it is very lightweight and very easy to take care of which should make it number one on your packing list when going on vacation.

One example is the collared tan-through golf shirt: Picture yourself playing golf on the greens in 85 degree temperature and after 4 hours you still feel as cool as when you did back on the first hole. You should be able to enjoy a nice easy stroke without fighting the stickiness and perspiration that many golfers experience.

The quality of a tan through shirt is perhaps a bit more than a regular sports shirt. Tan-through shirts keep you very cool and they’re comparable in price to any fine sportswear brand. You are also receiving so much more in return in regards to the services that the tan-through shirt provides to you.

So the next time it’s going to be a hot sunny day, try a tan-through shirt. Not only will you get all the benefits of a regular sports shirt, but the tan through aspect will help you even out your tan lines, keep you cooler and stay lighter on your feet all at the same time.

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What Are the Advantages of Using Website Templates

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What they see is what they get

Creating a website with the use of a ready-made template does not require imagination since people can expect how the finished product will look like even if there will be changes and iterations along the way and whether or not their web developer of choice understood their requirements. They can customize a website template by changing the text, colors and pictures to make it look a little different from the original.

Speed

Time is valuable. Websites created with a template will be operating only a portion of the time needed to develop a custom website as long as they have the pictures and content needed to customize their website template that will suit their needs. It can take months to develop a custom designed website, depending on how complex it is. This time-frame can be compared to the few days/hours for a template to turn into a fully developed website.

Cost

People can pay as low as $30 to $65 to get a striking, professionally-designed website. On the other hand, a custom-designed website can cost up to $5,000. In addition, they can choose from a wide variety of free templates but with limited design and functionality plus they cannot expect technical support whenever needed.

Choice

Due to the stiff online competition, people can now choose from the several, different designs and packages that are suitable for their needs. On the contrary, a custom-built website offers only 2 to 3 choices. With regard to website templates, people are spoiled with the numerous choices on the internet.

Looks

A website must be visually appealing to draw visitors to it. Professionals design both ready-made website templates and custom templates. So, people can make use of top-notch quality designs without paying the high costs associated with custom design. They can choose from a multitude of striking template designs online. Since some companies offer higher quality templates than others, they should be cautious and not just give in to the aggressive sale pitches on other sites. They should use their right judgment in choosing the web template that will reveal a great deal about their company.

Functionality

Website templates that are designed by professionals have standard pages such as “about”, “home’, “contact’ and “services”. Some templates provide additional features to display a portfolio, photo gallery and/or communication or community networking features such as a blog, bulletin board or newsletter. Still, the more complex website templates as well as e-commerce websites present dynamic features such as live chat, online ordering and credit card processing. It is important to keep in mind that such features will need the support from their web host so these can function well.

Navigation

The look of a website template is only part of the big picture. What is more important is the way it works. Is it easy for customers to find the content they need? Are the navigation links consistent all through the site? Do visitors know where they are, where they will go next and how they will get back to where they started? Website templates give them a feel of their site’s navigation.

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