Month : May 2017

Insurance

How does insurance public liability help the musicians and music teachers?

How does insurance public liability help the musicians and music teachersMusic is an art that needs time to learn and master. The ones who are proficient at it perform it and teach the ones who are interested to learn it. They are musicians and music teachers who perform either by singing or with their musical instruments. We feel relaxed and refreshed when we get to listen to music. Most of the music these days is recorded and passed on to others and there are live performances staged as well.

Musicians and insurance public liability:

When a student has learnt the music well he performs it with experts at first. As time goes by and he is an expert himself, he gets to have the whole stage for himself. Musician earns his living by performing. They get to meet a lot of people all the time, especially when they are performing a stage show. The people who come to the show, the show can either be on the premises of the musician himself or outside are the responsibility of the musician. If the public meets with any loss/damage due to the carelessness of the musician, the musician has to compensate for the loss. Compare cheap public liability insurance-liabilitycoverage.co.uk.

A lot of sponsors for stage performance, people who lend their stage for performance would require the musician himself to have public liability insurance policy. This will take care of public claims. Public liability insurance quotes can be got from the top insurers to ensure that you would be getting claims when you are sued.

Music teachers and public liability insurance UK:

Teacher in a person evolves after a lot of practice and experience. Not just this, but only after an art is mastered completely, it can be taught to another person. It is human nature that only when we experience it ourselves we will be able to understand and empathise it with another person who is experiencing it. We will know the difficulties that they face and will be able to guide them perfectly. We would know the pitfalls and can avoid them with the students.

Those interested in learning music would first visit the teacher’s premises, inquire and then join if they are fine with the terms and fee that is to be payed. But if it is a renowned teacher, public waits to get admission in the music school. So there are chances of injury for the public. To keep away from court and liabilities, get cheap online public liability insurance quotes from liabilitycoverage.co.uk.

Money Management

10 Questions to Ask Before You Sign An Apartment Lease

Your home or apartment can really make a difference in your finances. If you aren’t living in the right place or if you don’t consider your finances when finding somewhere to live, you can end up destroying your budget.

Here is a list of important financial questions to ask before signing any lease.

What is the security deposit?- Security deposits can vary a lot. Ask questions if the deposit is more than 2 months rent. In many cases you can get a lower security deposit if you have a great credit score. Remember investing your money is always better than having someone hold on to it interest free for you.

What is the application fee?- When asking about application fees also ask how much they charge for a  credit check. If you must have a co-signer there may be additional fees.

Is the application fee refundable? Ask if the application fee is refundable if you decide not to move in. In many apartments it will apply to your first months rent. Always ask how the fee will be used and if it is refundable should you choose another place.

Which utilities are included? Most apartments include water and trash in the apartment fee. If not, ask what the typical monthly charges are. If you are comparing apartments based on price, be sure to remember to factor utility charge in as well.

What fees are required before move in/ move out? This question is pretty forward. Find out what fees are required before you move in and out. Is there a cleaning fee or a carpet cleaning charge? If you clean on your own can you save money?

What happens if I move before my contract ends? Always find out what the charge will be should you have to cancel your lease. In some apartments it is a month rent, plus at least a months notice. Be sure what the terms are since you can be held liable for the entire lease in some instances.

Are there extra fees for pets or animals? If you have pets, be sure to find out if they are allowed and what the pet rent is. In some cases there is an additional security deposit or cleaning charge plus a monthly pet rent.

What is your late fee? Do you have a grace period? It is always good to know what the payment terms are, when your rent is due and if you can be late should an emergency arise.

Do you have any special offers for new move ins? Always find out about new move in offers. Sometimes you can get a few months free rent, or a reduced security deposit. Sometimes signing a longer lease will get you better move in deals.

How long are your typical leases? Remember when your lease is up, rates can sometimes skyrocket. If you plan on staying somewhere a long time and the rate is good, you might want to consider a longer lease.

Print off this list and take it along when you go apartment hunting. It is always better to ask a lot and be sure than sign a lease and be sorry later.

Is there anything you would add?

 

Money Management

Saving Money on the Road

With how often we think about our financial investments and bottom line, it’s easy to forget about the investment we must make in our mental health. Nothing could be more important to the future of your life than acknowledging the role our emotional and psychological well-being plays in our decision-making process. 

You may spend 60-70 hours a week hooked up to computers, constantly checking your cell phone, trading stock quotes, reviewing Cavalry Portfolio Services, and noodling around with your companies dividends—still, the deals you make in one day pale in comparison to the deal you’re making with yourself over the long haul. Consider yoga and nutrition as an intersection of strategies that may help you to balance your economy of wealth with an economy of health….

Yoga

You’ve got to understand that your mind is its own index, trading chemicals and transmitters with itself on a 24/7 basis. Once you look at your brain from this angle, you’ll never go about your life the same way. Everything you do, every conversation you have, every decision you make is a product of your brain chemistry. If your chemistry gets out of wack—easy to do after a daily infusion of stress hormones, caffeine, adrenaline, and technology—you’ve got to put in the time to help your mind return to a state of equilibrium. A great way to do this is yoga. Yoga is a moving meditation that harnesses the power of breathing in order to center the mind and nourish the body. Keep your blood oxygenated and flowing so that your body can feed your brain and keep your thought processes stable. If you lose your mind from stress, you’ll regret not taking this more seriously.

Nutrition

Believe or not, the things we put in our body actually do affect our mind. The sugar, hormones, pesticides, saturated fat, preservatives and toxins that inundate the American diet also poison our minds, causing ADD, ED, emotional imbalances, and fatigue. If you have a stressful life, one of the best things you can do for yourself is to take control over your diet. This means eating more organic vegetables, cutting out fast food, and limited excess sugars and fats that clog your arteries. Think about it: if you die ten years sooner than you should, that’s ten years of income being buried with you too. Morbid, yes, but honest.

It’s easy to get caught up in unhealthy practices that deteriorate our physical and mental health. But let’s not make the mistake of viewing those ailments as separate from our careers and investments. Your health is an investment too, one that in the long run is dramatically more important to you and your family than numbers on a computer screen.

Debt Management

A trustworthy debt relief company can only help you – Know more

Most of us won’t like to begin the New Year looking at a long list of debt relief services. However, restricting your debts is one of your primary concerns if you truly wish to improve your personal finances.

Your credit situation can certainly be improved if you follow the tips mentioned below. A majority of us don’t have the time to look after our personal finances, although it really helps when we check out our individual credit situations. That’s one reason why so many of us are now reaching out to debt relief services.

Look for an organization of good repute.

Acquiring memberships of esteemed organizations or quality accreditations demand adequate time and dedication from a service provider. A company that wants to draw quick money and make a fool of its customers won’t spend too much time into this. Inferior services don’t engage trained professionals or complete paper-works. NFCC and AFCC are amongst organizations that have websites presenting lists of renowned debt relief services. Once you go through these lists, it will be easier for you to pick the right company. Reliability of these services can be easily understood once you read through the membership criteria of these organizations.

Acquire referrals from the ones you love.

Earning referrals of quality debt relief services from your loves ones is a natural thing, since many of them may have gone through similar situations in the past. You may find effective guidance under a certain company that had helped a friend or relative in the past. At the same time, you’ll need to go through the situation experienced by your loved one and not rely too much on such referrals. A referral doesn’t guarantee an experience that will surely yield positive outcomes. Success often depends on the particular agent that handles your case and your individual financial situation. You must look for a different debt relief company in case a particular company doesn’t feel right.

Conduct your own research before arriving at a contract.

You must study the way your chosen company works, even when you’re about to work with a reputable organization. Doing your own research may bring out facts about your chosen debt relief company that you must take into account. All reputable debt relief companies reflect the true nature of their services through testimonials and reviews posted by their past customers. You may come across positive reviews or complaints filed against your chosen company while searching for accreditations offered by renowned bodies like the BBB.

Understand the law and identify your rights.

There are laws governing the operations of any debt relief company, hence you must identify your rights. Websites like FTC.gov are likely to show you through the telemarketing rules governing various sales processes. Scammers often pose as legitimate businesses and rob consumers of their hard-earned money. Promising outcomes that don’t quite seem realistic and demanding charges upfront mostly signify such scams. Rules have been imposed to protect consumers from such attempts. You’ll need to analyze the overall financial situation and trust your instincts before you pay for these debt relief attempts. Feel free to express your concerns, if you feel skeptical about something. You may choose to work with a different debt relief agency if the policies of your favorite agency don’t seem agreeable. In the end, a reliable service provider can only pull you out of your debt burden.

Debt Management

Can You Be Addicted To Payday Loans?

I don’t condone or approve of the use of payday loans but I can see why people would use them.

 

Some people are just in the situation, where if they have an emergency, they need to get cash advances in order to get by.

I’m not really going to argue whether they are good or not but I do begin to wonder if they could be considered an addiction.

If someone comes to rely on them and feels like they can’t get by without them, are they addicted?

Trying to live without payday loans when you have been relying on them just to survive can seem impossible.

Doesn’t that seem like it’s an addiction?

I watch the show Intervention, which is about addiction to drugs, and the way people act ashamed for using drugs, yet can’t stop, seems like the same symptoms that people who are deep into payday loans have.

Think about it like this, a person addicted to drugs usually wants to stop but can’t because they don’t feel like they will be able to get clean. There are ways to get clean, but they just don’t want to take it or feel like it won’t work.

People that are deep into debt with payday loans feel like they have to keep using them to get by. Yet there are ways to get out of the cycle. But they feel like there is no other way or they don’t want to take any other way.

I’m really interested in this because if it is an addiction, then people that are constantly getting  payday loans should be flagged and offered help.

There’s no reason someone should go back week to week to get a payday loan. That just means there’s a problem and they need help.

I mean, if someone uses a drug once or twice a year you wouldn’t think that they need help, but if they used it every week then you would think they would.

I think payday loan companies can do good/be there for you in time of an emergency (They wouldn’t be my first choice), but I think they need to put in safeguards for serial loanees in order to be seen as less of a bad member of society.

What do you think?