It is a huge mistake to assume that damage or loss of your property will be covered by a landlord's insurance policy!. Rental property owners commonly carry only enough insurance to repair or replace the building or structures. It is the renter responsibility to insure his or her own personal property..
If something catastrophic happened to your home (fire, tornado), would your insurance policy be enough to cover the cost of rebuilding it?
When you are planning a home renovation or improvement project, you should be aware that your contractor choice can be a critical part of the planning process. You definitely want to be sure of the quality of their work befrore they begin and have everyting you want done in writing and definitely agree on the scope and cost of the project. Another great idea is to be sure the contractor is properly licensed and insured just in case something goes wrong.
If your home is not insured up to its full replacement cost, you might have to come out of pocket to build it anew! Depending on how much time has passed since you first insured your home, how many and what kind of improvements you've made over the years, you may not be insured adequately to cover the full cost of rebuilding.
Focusing on children’s college tuition needs and neglecting their own retirement is something many parents do. As parents, we are providing private school, automobiles, and basically supporting kids today. That shouldn't mean you don't plan to have a pleasant retirement. Howver, that freshman year budget can be on the doorstep a lot quicker than you expect, and it will not be denied! How in the world do people manage both of these obligations?
The AAP has now stated that infants and toddlers should be kept in rear-facing car seats for “as long as possible.”
The AAP had previously recommended that all babies be transported in rear facing until at least two years of age. Their new stance is that babies should remain rear-facing until they reach the car seat manufacturers maximum height and weight guidelines, regardless of the child's age.
Recent improvements in technology make working from home a legitimate option for people in a variety of industries. There is a new Gallup poll out that shows 43% of employees spend some time doing work 'remotely.' Greater than 60% of employers allow people to do some form of 'teleworking.' Twenty years ago, this number was only 20%.