Are You Prepared For Bad Luck?

There are times in life when bad luck could happen. It’s usually out of your control, and there’s very little you can do to prevent it. However, with the right planning and preparation, you could potentially avoid most of the ill effects that come with bad luck. In life, it’s essential to understand that many things are simply out of your control, so whether it’s a car accident in the future or breaking up with your partner, here are a couple of ways to prepare yourself for bad luck. Photo by Erika Lanpher on Unsplash Emergency Savings The first major… [Read More]

Self Employed Builders Or Tradesperson There is So Much To Think About

I have been self-employed as a painter and decorator for over 20 years and along with having to actually do all the work yourself you have to make sure you have everything else in place as well, and yes it would be so easy to do the job get paid and that’s that and move on to the next job, but anybody that is self-employed will know that’s just the beginning. Here is a list of absolute necessities that you need to keep your business running smoothly and efficiently. Keeping your books up to date It is vital that all… [Read More]

5 Conversations to have with your child about social media

Social media can be daunting for many parents. With new apps and sites emerging daily, parents can often struggle to keep ahead of our ‘digital native’ children. Regardless of the social media site or app your child is using, Laya Healthcare encourages parents to talk with their children and ensure they have these important conversations with them about using social media. What is the meaning of ‘privacy’ online?  What does it really mean when we select ‘private account’? Once we have selected this option, can we then share whatever we want and it will remain private? Unfortunately, this is not… [Read More]

How to reduce the risk of burglaries.

#AD. In the interest of disclosure and transparency, the syndication of this article has been provided and paid for by FBD Insurance There is no doubt that having your home burgled is a very distressing experience. That is why FBD Insurance have prepared a few simple a few simple steps that can help protect your home and reduce the risk of burglaries.  Light up  Keep your home well lit – nearly half of burglaries (46%) occur between 5pm and 11pm (source: Shine a light – garden lights and motion-detecting floodlights can make approaching your home too conspicuous for a… [Read More]

A Guide to Making a Successful TPD Insurance Claim

If a person is unable to work for any reason, their superannuation fund can be accessed to financially provide for the future. In order to claim for Total & Permanent Disability (TPD), a person must be unable to work, and unlike other compensations, it is not necessary to prove that the injury or illness was work related, or indeed that a third party was responsible. If you are planning to claim for TPD, it is crucial that you first consult with an experienced superannuation lawyer, as this person would help you to put together a strong case. Photo by rawpixel on Unsplash What… [Read More]

Tips For Caring For Your Garden During The Cold Winter Months

Have you gone to great lengths to grow a beautiful garden during the spring and summer? Now, you’re worried about the cold winter months ahead. There is truly no doubt that the cold weather can wreak havoc on your plants, but there are some ways to protect them during this time of the year. With the right game plan, you’ll be able to keep your beautiful garden alive during the cold winter months and have it shining beautifully again come spring. Within this guide, you will discover tips for protecting your garden during the winter. Preparing Perennials As a gardener,… [Read More]

7 Unique Disasters Covered by Many Renters’ Insurance Policies

Most renters’ insurance policies cover common occurrences such as fire, theft, and water damage. Most also provide liability coverage, which means if someone injures himself or herself while in your apartment, your insurance may protect you from his or her damages. Never assume the property owner’s insurance covers the inside of your premises. It doesn’t. You must protect yourself and your belongings. Alongside the three instances above, some policies also cover these seven unique disasters. 1. Aircraft or Other Vehicular Damage Many never think about an aircraft crashing into their residence until it actually happens. Here’s hoping it never happens… [Read More]

The Christmas Cost

I’ve teamed up with Admiral insurance for their cost of Christmas campaign. The idea behind the campaign is to see how the cost of the festive season has changed over the last 40 years. Admiral have created a very clever widget which people can interact with. Simply select which year you’d like to find more about (2006, 1996, 1986 and 1976), and then  you can compare this against your spend at Christmas to find out what items have gone up and if prices have dropped on certain items. You can find the widget online at Admiral have also included some… [Read More]