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.

Insurance

A Few Reasons to Take Out Life Insurance after Turning 50

You might think that life insurance is for younger people but there are a few good reasons for taking out life insurance after turning 50. Each case is obviously different but many people benefit from a greater peace of mind after taking out a policy for one of the following reasons.

To Cover Loans

No matter what age you are you won’t want to leave the burden of an outstanding loan behind you. This is why a life insurance policy can give you great peace of mind. The amount you need to cover will determine the premium you need to pay and you might very well find out this type of insurance cover is a lot less expensive than you thought.

To Pay Inheritance Tax

If you are going to be leaving behind a substantial amount of property then inheritance tax could be a big concern for your heirs. One way of helping them out with this amount is with a life insurance policy. You may need to ask an expert in the field to help you work out the amount you need to be covered for but you will feel a lot better once you have the policy in place.   

To Pay Funeral Expenses

A worry for many of us is how our family are going to be able to pay for our funeral expenses once we pass away. As the figure involved in arranging in most funerals is relatively modest the policy in this case shouldn’t cost a fortune. Often you can start getting quotes beginning with the minimum sum insured on offer and take it from there. If you find that even the minimum amount on offer is pretty high then you will be in the pleasant position of being able to think about leaving being a bit extra for your family.

To Help Out Relatives

In other cases the person looking to get insured on an over 50 life insurance policy will simply want to leave some cash behind for their family. This is a fantastic thing to do and it is especially rewarding if you know that your family will find that the money comes in really handy. Organising your own life insurance policy isn’t always the most exciting or pleasing thing in the world to do but if you can at least think about the good things which the eventual payout could do then it will be something well worth doing.  

Travel

Bringing your car with you on holidays?

Taking your car on holiday can seem like the obvious answer when planning how to get around. No flights and no hours wasted in airport car parks or queuing at check-in. No need to rent an expensive car for the couple of weeks that you get there. Just take your trusty vehicle on the ferry or the Eurostar and you can be gliding around the serene roads of Belgium and France in no time at all. 

However, any road trip outside of your home country requires a few serious considerations. AA Cars have some handy tips and things to think about before you take your car over onto the continent. 

1. Plan your trip before you depart 

If you’re a relatively experienced driver, you probably don’t need to consult roadmaps before setting off for a trip to Norwich or Sheffield. You know which motorway to hop on, which junction to get off at and the necessary rights and lefts to take. Unless you are a very regular visitor to the Ruhr Valley or Brittany, it could be a sensible idea to dust off a map of Europe’s roads and do a bit of prep. 

2. Bring the right paperwork 

Paperwork can feel like an absolute pain at times but you need to make sure that you have all the right documents with you before you travel. That could mean your motor insurance certificate or a green card, the paper bit of your driving licence and the car’s registration documents. 

Don’t be forced to cut your trip short because you forgot to take a piece of paper with you. 

3. Be aware of local rules 

Each country will have its own speed limits and local customs when it comes to motoring. Flashing lights in Italy may mean something very different to those in Austria so do a bit of reading beforehand and try to make sure you understand local customs and regulations. 

4. Have regular rest stops 

Europe might not be quite as large as Asia or Africa but it still covers a vast expanse of land, and a trip that may look relatively small on a map could well take you a much longer amount of time than previously anticipated. 

Book yourself into a hotel for an overnight rest stop if you’ve got a serious journey on your hands and most importantly: have a happy holiday!

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.