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Author: mandmweb

A Quick Look At Unoccupied Property Insurance

Unoccupied property insurance has been designed for individuals who own homes that will be occupied for a short period of time. In most cases, an individual would want this type of insurance if they were selling their home and had already moved to the new home. Or, if a home is vacant while it is being renovated. This insurance does not cover property in a home, as a matter of fact, the home must be unoccupied and there may be no holdings in the home for the insurance to be active. The process for selling a home can take up to six months. During this time, the owner of the home may move out of the home while the home is in the process of being transferred to the new owner. If a home is damaged or someone is injured in the home before the new owners take possession of the home, the person who owns the home is liable. This coverage covers that period of time until the new owner takes possession of the home. The coverage is normally very restricted and covers liability only, so the benefits of a regular homeowners policy, such as a natural disaster or fire, are not covered. The length of time that a provider will offer the insurance premiums as well as the rate for the coverage. Therefore, it is important that...

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How To Tell If Your Pet Reptile Likes You

I would say that most herpetologists may not be too concerned about whether or not their reptile likes them. They usually have quite a collection of snakes, lizards, turtles and even frogs. They may appear to be well cared for on a physical level and neglected on a personal level. Reptiles are also known as “exotic pets.” The reptile trade is appalling and many people including myself do not support this trade. Around ninety five percent of animals will die being poorly transported and insufficiently cared for on their journey to and from different countries. Like children, animals are a reflection of their home life, and their happiness and contentment will depend largely on the quality time you are prepared to give them. Reptiles are very ancient creatures they go back a very long way in history. All reptiles are ectothermic’s therefore they display affection a little differently than a cat or a dog. In the wild they can almost stop their heart from beating. They have the ability to slow down their metabolism in winter to hibernate, this is also known as brumation. I have had a pet lizard since he was only two weeks old, he is a happy and contented naughty twelve year old. He behaves similar to a dog in slow motion. He has been domesticated, for example when I call him he will normally...

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Affordable Homeowner's Insurance in Arizona

Finding affordable insurance in the state of Arizona may not be as difficult as you think as long as you are armed with a bit of insurance information. If you know how the insurance companies think, it will be easier to present your home in a way favorable to your insurer. Here are a few tips: 1. Check your credit: Did you know that insurance companies in Arizona have the right to check your credit and use that information in determining your insurance rate? According to insurance company statistics, credit rating is a good indication as to whether or not you will submit many and large claims. They have found that policyholders with poor credit tend to put in more claims than policyholders with good credit. 2. Seek discounts: If you are a member of a professional association, you may be entitled to insurance premium discounts. Some companies offer credits to senior citizens 55 and over. Ask your insurance company which credits you may qualify for. 3. Do not insure the land: In the event of a total loss, the land will still be there. Do not include the value of the land in your policy limit. Remember, the insurance company's goal is to help you to return to a pre-loss state. If your house burns to the ground, remember, the ground is not affected. 4. When you find...

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Container Garden Watering Systems

Here are a few tips for effective watering of plant containers and pots. The larger the planter, the less watering they will require over time. If they are placed in the shade, then the need for water will be greatly reduced. When you do water, make sure that you water thoroughly, flood until water comes out the bottom, and then repeat. Make sure that your hoses are easily accessible; you do not want to drag them from afar every time. Use saucers, you can fill the saucers with water in dry weather. Gives them a little extra moisture. Use water retention materials in your soil. There are numerous varieties at your garden center. Make sure to read the instructions for us. Lastly, if your plants are strictly wilted, try and move to a shady spot and then give them a good watering. They are hardy and will survive. Water is essential for all your pots, planters and containers. It is ideal to ensure that the soil is even moist at all times. You may have to water more than once a day in very hot, dry weather or if you have your plants in small pots. Take the time you spend watering and make it a pleasure. The watering wand is very easy to use and does not flood the plants; it offers a gentle spray to give a...

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The Difference Between Positive and Negative Gearing and Generating Cash-Flow

In real estate terms, the word "geared" is used to describe when loans are used to buy shares or properties. Gearing can be positive or negative depending on the income that is generated from the property. Negative contracting is when income from either dividends or rent does not generate enough income to make payments on interests. And positive geared is when the property generates some sort of an awareness. Another terminology to be familiar with is cash-flow, which is what you earn or lose from an investment in a property. Do not let the "negative gearing" and "positive cash-flow" confuse you. Keep reading to better understand the different terminologies and how to evaluate them in various situations. Think of negative geared as what you¡¯re losing each month in cash to cover any expenses on your investment property. Therefore, on paper you are seeing that you're investing more out-of-pocket cash to cover expenses for that property. The costs associated with property ownership and the legalities around what you may claim will differ depending on the country in which you stay. Do not stress out! Just know that you can lose cash each month (negative geared) while still generating cash-flow. Yes, it's true! You may just be looking at a smaller profit margin, that's all. And of course, you would have already predicted that positive gearing also yields a positive cash-flow....

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