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Tips for Lowering the Cost of Homeowner’s Insurance

Following a few Tips for Lowering the Cost of Homeowner’s Insurance can save you a bundle of money

Owning real estate property is something nearly everyone aspires to. That being said, being swamped under with homeowner’s insurance is something everyone can do without. While you can always talk to your local insurance agent to see what can be done about lowering your rates, there’s even more you can do to save on your insurance while still enjoying quality coverage.

Take Steps to Protect Your Home

Anything you can do to protect your home from intruders, fire, earthquakes, water damage and the like is sure to help lower the cost of your insurance. This is because a well-reinforced home is less likely to suffer damage, which means you’re less likely to have to file a claim later on down the road. While you might balk at the initial investment of making such improvements, you’re sure to appreciate how much you save in your insurance costs over the years, and there’s also the fact you can rest easy knowing your home is well-protected.

Shop Around

While you might be happy with your current insurance provider, that doesn’t mean you can’t shop around. If it’s possible for you to get the same coverage with a lower price tag by switching providers, take the leap. You might hate to part with your current agent or company, but you also probably hate parting with your hard-earned cash when you don’t have to. Right? Before you change providers, see if your current home insurance company can do anything to lower the price of your premiums without compromising your coverage.

Raise Your Deductible

Increasing your deductible is another way to better save on the overall cost of your homeowner’s policy. Know that it’s possible to lower your premium cost by as much as 25 percent if you’re willing to raise your deductible to $1,000. No matter what your deductible might be, make sure you always have quick and easy access to that amount should you ever have to file a claim. Even better, put the money in an interest-bearing account so it works for you.

Ask About Discounts

Simply asking for a discount is another way to save money on coverage for your home. If you’ve been with your insurance company for a while, you might be eligible for savings. You might also be able to bundle policies if you also need auto insurance or the like. If you’ve never filed a claim, or if it’s been several years since you’ve filed a claim, you might qualify for a discount.

Review Your Policy

Have you had your homeowner’s policy for a while? If so, your coverage needs might have changed in recent years, which means you might not need the same type or policy or need to pay the same price for your premiums. Sit down with your agent to talk about your life and lifestyle. A single conversation can reveal you have coverage on your current policy you don’t need to pay for.

Think Before You Make a Claim

In the event you have to make a claim, think before you reach out to your agent. This is because making a claim can potentially drive up your premiums, and there’s also the fact your insurance company might view you as a policyholder who’s more trouble than you’re worth if you have a history of filing a claim for an issue you can easily take care of on your own. You might not like having to take care of the cost on your own, but it’s better than developing a bad reputation in the insurance world.

Paying home insurance is a necessity, but paying more than necessary for it most certainly isn’t. Let these tips guide you to getting the coverage you and your home deserve without an inflated price you don’t need.

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Improve Your Health Using Technology: Here’s How

Improving your health using technology focuses on areas where technology, diet, and nutrition have a direct influence on the health and wellbeing of an individual. Oftentimes, we feel that improving our overall health takes a long time, but it’s really a matter of making small changes in our everyday habits. 

A lot of researches have shown the impact that technology can have on individuals wellbeing and health. With information right at our fingertips, we can all do something to improve our quality of life by simply making smarter decisions about what we eat and how much activity we are getting. Here are some vital tips:

Register with a private GP online

Patients can ask questions to speak to a GP online in the privacy of their own place and at their own time. This is extremely useful for those who are too ill to be able to make it out to their local surgery or for those who don’t have the time take a trip to the doctor in person unless absolutely necessary.

Use fitness and nutrition tracker

The importance of fitness and nutrition tracking technology in improving your health is the ability to have devices that will make it easier to understand what you’re eating and their nutritional value. This way, you can track how much you’ve consumed and nutrition you’re getting, plus your heart rate, your blood pressure, and even your sleep cycle. 

With this technology, you will be able to see the progress you make over a period of time and know exactly how to approach things to step by step to improve your overall health.

Utilise preventative healthcare

Preventative healthcare is the second most effective way to improve your health. Preventative healthcare helps to prevent illness and detects medical issues early enough so they can be treated before they become serious conditions. Remember, the point of using technology to improve your health is to assist you in being proactive towards your health. 

Get yourself a wearable device 

Wearable technology is a new and innovative way of presenting information, allowing you to obtain real-time feedback on everything from your heart rate to your physical activities.

A wearable device can continuously monitor your vital signs such as heart rate, blood pressure, body temperature, etc., and sync this data with a smartphone or other mobile devices using Bluetooth technology. Wearable technology with proper applications will assist you in keeping healthy and fit.

Register for Online Personal Training

Online personal training can help you improve your health in ways you never thought possible, leveraging technology. An online programme lets you achieve healthy living while staying in the comfort and convenience of your home, making it much more efficient than traditional programmes. 

No matter why you want to improve your health and wellbeing, technology is a key part of health in today’s society. This article has outlined some of the many ways this can be of great benefit to you.

Alcoholic Answers: How Long After You Stop Drinking Beer Does Your Body Heal?

If you could stop drinking beer for a while and reset, how long would it take your body to heal?

Many people who drink have wondered about this topic, especially when finding their drinking habits slipping beyond their control. We know about the harm alcohol can do to the body, but this often isn’t enough willpower to fuel a cold-turkey reboot, even though our bodies would thank us for it.

Here are the facts: Alcohol Use Disorder (AUD) affects over 14 million adults in the U.S. alone. Knowing this, it’s safe to assume that quitting is an incredible challenge, but a worthwhile endeavor nonetheless.

Keep reading to learn more about what happens to the body when you stop drinking beer.

What to Expect When You Stop Drinking Beer

Whether you’re a recovering alcoholic or just a semi-regular beer drinker, you might notice some significant changes in your body as well as your mood when you stop drinking beer. Depending on your previous intake, these will vary in levels of intensity.

1-14 Days After Quitting

The first two weeks after you stop drinking beer are said to be the most difficult. This is because the body begins going through an acute withdrawal phase, with symptoms that might make you want to abandon your sobriety goals.

Here are some common symptoms of alcohol withdrawal:

  • Insomnia and/or trouble sleeping through the night
  • Problems with sexual function and performance
  • Irritability
  • Anxiety/nervousness
  • Depression
  • Intense cravings

Symptoms of alcohol withdrawal can start within 6 hours of having your last drink. They might also last well beyond 14 days. Again, this depends on how much you were drinking before, and your individual body’s ability to heal.

30+ Days After Quitting

Once you’ve passed the first two weeks when you stop drinking beer, the positive changes start to take effect. Your body completes the initial detoxification stage and begins to heal.

You can expect the following effects:

  • Steady reversal of liver damage
  • Decreased risk of cancer and cardiovascular disease
  • Improved cognitive abilities
  • Weight loss

The good news is this: many of the negative effects of drinking are reversible. Once you can stop drinking beer, your body is able to heal itself.

Will I Lose Weight if I Stop Drinking Beer?

When compared to hard liquor, beer has a higher tendency to affect your body weight. This is due to it generally being a more calorie-packed drink than most hard liquors.

With that in mind, the short answer here is yes, you will lose weight when you stop drinking beer. However, it’s important to maintain a healthy diet with a moderate calorie intake, as well as get plenty of exercise. If you replace those excess calories by eating more, for example, then you may not experience any weight loss at all.

Knowing When to Quit

The pleasures of drinking beer are undeniable, but too much of a good thing can be harmful. It’s important to evaluate the role of beer in your life and how it has affected your health. Now that you know more about what to expect when you stop drinking beer, quitting can be that much easier.

For more health and fitness topics, please see our other articles.