Five High-Risk Home Insurance Customers

homeinsuranceriskHigh-risk home insurance customers are common.  In fact, you may even be one and not even know it.  It is not uncommon for insurance providers to raise red flags for these customers.

Are you the type who dreads the coming of monthly insurance payment? Do always complain about its cost with your other half?  Have you ever been denied coverage? Possibly, the reason for this is that you are a risky insurance customer without even knowing about it.

When insuring a home, the insurance actually has a lot to do with you than it will with the actual property you are insuring.  The premiums you get from home insurance are often evaluated the risks posed by the house and its owners.  Home insurance for homes along the Tornado Alley will tend to cost more due to the risk they have of tornados and strong winds.  Now, in regards to your case, if your insurance provider evaluates you as risky, then your premium will definitely spike up.

The lists below are common red flags for home insurance providers.  If you belong to this list, it is probably not the house you are insuring, but more like – you!

Low Credit Scorer

Customers with low credit scores will without doubt be risky insurance customers.  Your credit score is often a determining factor on the amount of premiums you need to pay.  More often than not, having a low credit score will mean that you have to pay higher premiums.

The truth is that the reason for this is simple: having a poor credit score will always signify risk.  Fortunately, you can actually improve your score in time by simply paying your monthly bills on time.  Also, make sure to stay out on other types of credit.

The Dog Lover

Dogs would not normally come as a threat for you, especially home insurance-wise.  Insurance providers on the other hand think otherwise.  A lot of insurance providers will not provide coverage when certain breeds of dogs are present because they pose as liabilities, I would suggest that you get a candian professional liability insurance instead since it covers the stuffs that a normal home insurance won’t cover.  Large and powerful dog breeds like akitas, Dobermans, Pit bulls, and Rottweilers are just some of the breeds that may elevate your risk on the insurer’s standpoint.

For other dog breeds, it may depend from the insurer’s standpoint.  If your pet has any biting or violent history, either you face higher premiums or that liability coverage will be denied for your pet.  While all dogs are not the same, even for same breeds, insurers on the other hand do not take these risks.  In 2013, the average payout claims for dog bites was around $28,000 as per Insurance Information Institute.

The Pool Owner

Purchasing a home with a pool may seem like big bonus on your part.  However, this is not the case for your insurer as swimming pools are always considered as liabilities.  From 2010 to 2012, there is an average of 5,100 pool-related injuries for children below 15 that were treated in hospitals.  During the same period, there were 390 pool-related deaths.  In other words, swimming pools are great liabilities.

The Procrastinator

If you are the type who delays having things fixed around your home, then you may be costing yourself serious money.  If you do not have things fixed around your home, you may be forced to pay higher premiums.

The Unlucky Homeowner

Even if you are a responsible homeowner who is simply unlucky, when you have a history of claims based on unforeseeable occurrences, your history will cause your insurer to think you are risky home insurance customers.  By making your property safe, such as the removal of dead branches that can cause damage to your property, you can avoid making any more claims that makes you a risky customer.

High home insurance premiums and getting denied coverage or insurance can be infuriating.  Then again, there are ways to avoid these and lower your insurance premium.  Doing some comparison shopping may help you find the lowest premium possible.  Different providers have different rules and factors in evaluating risk.  If it does not go well with one, try another and maybe they will provide you with coverage.

Take Action and Get Results

What is the main focus of your business? No matter what your market, the goal is to make money. In order to do that, some planning is needed.

Many people don’t take action because they don’t know what to do. That is in business as well as life. You know where you want to go but without a roadmap, you aren’t going to get to square one.

Knowledge is one of the great equalizers in our society. It’s who you know but also what you know that counts. Sometimes, you can outsmart someone with better contacts by simply using your noodle. If you want to be an entrepreneur, learn all that you can about the ins and outs of business:

* Business start-up
* Writing a business plan
* Website set-up
* Advertising
* Marketing
* Product branding

The more that you understand on the front end, the easier it is to formulate positive actions you can take to get results in your business.

So, what’s next? Well, since you are armed with the knowledge, it’s time to put that knowledge to good use. Most businesses need money to get started, even Internet businesses. The start-up costs are quite low with the latter, but you’ll still have to have some funds.

Nothing in business will just fall into your lap, so a bit of pro-action is needed. Go in search of what you need. Make a list. If it’s money, calculate exactly how much you will need plus a cushion to see you through to the first client payment. If it’s equipment, list that also.

Now, you have a place to begin. Talk to family and friends about your business venture. Host a gathering to present your business enterprise and see if they want to invest. If it’s a smaller venture, it could be as simple as asking your spouse if the family can spare the start-up funds.

Scour the Internet. There are tons of sites that offer free content and eBooks on various aspects of marketing. If you want to create a business website, check out reviews on website hosts and blog hosts. Join forums and business groups with similar interests and ask questions. A large part of the information you need to get your business off the ground comes at no charge – you just have to be willing to ask for it.

Before going further, consider what you have accomplished so far. Your business idea has taken shape in your mind and been translated into tangible efforts. You have your starting money, equipment, and resources to set up a website and begin marketing your product or service.

Now, implement what you have learned. You’ll encounter glitches along the way, but you have established relationships with other businesspeople to help you overcome them. Success in business comes in small steps. With every piece of knowledge and contact you make, another opportunity is born to help you move a step closer to your goal.

Losing Weight Can Be Fun – 5 Simple Activities to Get Healthy and Have Fun

Do you groan when you think of trying to lose weight and exercise? Most of us do! Unfortunately, for so many, the very idea of losing weight breeds negative thoughts and feelings. You may even feel as if it’s an impossible challenge.

After all, who wants to think of climbing on those machines in the gym for 30 minutes to take off the pounds? Or even worse, doing sit-ups at home. Yuck!

If losing weight has become a drag, you need to rethink your strategy.

You’ll be glad to discover that you don’t need to go to the gym to lose weight and get the body you want!

Here are five simple activities that will help you get healthy while having a blast:

1.    Play group sports. One great idea for losing weight the fun way is to play group sports. Next time, instead of dragging yourself to the gym and those dreaded machines, check out the recreation center in your area.

•    Start playing soccer, softball, volleyball, or basketball. With these activities, you’ll be burning off the calories while enjoying yourself at the same time!

2.    Go for a walk with your friends. Another great way to get active and improve your health is to start walking with friends. Meet during the week to take a brisk walk together, either in the morning before your day begins, during lunch, or in the evening after work.

•    Schedule your walk into your day as social time. While you’re walking, take time to catch up and chat with each other. This way it feels more like a social experience instead of exercise.

3.    Dance. Dancing is another great way to burn off mega calories while you have a great time. You’ll get your heart pumping, and you’ll enjoy an awesome total workout!

•    Take a dance class.
•    Go out to a nightclub where you can dance the night away.
•    Get some dance videos so you can dance at home.

4.    Beautify your yard or cultivate a garden. Gardening and yard work are both activities that burn calories so you can lose some weight. Planting flowers or vegetables, pulling weeds, raking, hauling dirt, and doing other gardening chores can really help you get in shape.

•    When you’re squatting, bending, and yanking out those weeds, you’ll be working muscles you didn’t even know you had!

5.    Play with your family. Even something as simple as playtime outdoors with the family can help you lose some pounds and stay healthy. Whether it’s running, Frisbee, or playing tag together, just having fun with the family can give you some much needed activity.

•    Visit a park and go hiking on the trails.
•    Climb a tree in your backyard.
•    Go swimming or skiing.

The possibilities are endless! You’ll have fun spending quality time with your family, and teaching your children a healthy lifestyle as well.

Although these activities are fun, regular activity and eating a healthy diet go hand in hand when you want to lose weight. You can’t count one weekend of gardening as your exercise for the week. Vary your activities for more fun, and do something to get moving every day.

Consistency is the key to reaching your weight loss goal.

As you can see, exercising and getting in shape don’t have to be boring or unpleasant. There are plenty of easy activities you can do to lose weight, improve your health, and have fun!

The Connection Between Bipolar Medication and Symptoms

Someone who has bipolar can experience either a good feeling or an extremely bad mood. This cycle can last from anything between days to months. It can be so intense that it will interfere with the person’s disposition or ability to function. This will explain the correlation between bipolar symptoms and bipolar medication.

However, just like in any form of disease, medications alone are not enough to effectively control the bipolar symptoms. Many people have the notion that bipolar medications are the key to actually treating bipolar disorder. That is not exactly the case. What medications do is find relief to the symptoms of the disorder. They make sure that the symptoms do not disrupt the sufferer’s daily activities and normal functioning. Bipolar disorder is a serious health problem; it takes more than medications to be cured. Hence, the right treatment plan can help control and eliminate bipolar symptoms and bipolar medication can only help the patient reach his treatment goals.

Signs and Symptoms

Generally, bipolar symptoms are classified into four. Mania, described as the manic phase, is characterized by feeling heightened levels and energy, creativity and euphoria. Hypomania is described to be the less severe form of mania. Patients diagnosed in this phase experience a state of feeling euphoric, energetic and productive without losing touch with reality. Bipolar depression is characterized by irritability, guilt, unpredictable mood swings and feelings of restlessness. Mixed episode features both symptoms of mania, hypomania and depression; feeling agitated and irritable, anxious, insomniac and combinations of high energy and low mood that poses high risk of suicide.

The symptoms of bipolar disorder often come in unpredictable pattern and vary from person to person. While these can occur over a certain period of time or even in a lifetime, there would be a need for bipolar medications to manage the disease and keep it from affecting the patient’s normal functioning.

Popular Medications Available for Bipolar Disorder

Bipolar disorder is a form of chemical imbalance in the brain. To manage its symptoms would mean establishing equilibrium with the chemical synthesis that occurs in the brain. Here are a few of the bipolar medications and symptoms.

Monoamine oxidase inhibitors (MAOIs), tricyclics and lithium are the more commonly used anti-depressants used to mange bipolar symptoms. Lithium is the more widely used one though because of its ability to even out mood swings and prevent flare-ups and manic attacks.

To stabilize moods, medication and anticonvulsants are also used. People who do not respond to lithium usually go through this course of action.

Antipsychotic medications are also used early to treat and mange mania. This is also used when other medication do not work out.

Other medications include benzodiazepines and calcium channel blockers.

Medications do not cure

Medication for bipolar disorder is one of the available psycho therapeutic medications that help control the symptoms of bipolar medication. It is used to compensate and correct the malfunction in the body caused by the disease. However, they do not actually treat bipolar but rather help ensure that the patients adjust and benefit from his chosen methods of psychotherapy. To lead patients on the road towards recovery, thoroughly monitor bipolar symptoms and medication intake.