Tag Archives: namibia

Renters Insurance – True or False?

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How much do you know about renters insurance? Do you really need to have it? Under what circumstances would it be okay to go without this type of insurance? Can other types of insurance take the place of a renters insurance policy? Take this quick “quiz” to see how much you understand about renters insurance. True or False? If your landlord has insurance, then you won’t need to buy renters insurance. False. Your landlord should have homeowners insurance on the building that the apartment, condo, or room that you are renting is located in. This is necessary for your landlord … Continue reading →

Discovering Trees

Since we’ve had some nice weather recently in Texas I’ve been taking my son outside for longer periods of time. Nothing too long or too far away from home (really just in our own yard) so that water, diapers, wipes, crackers and other food items are close by (along with Air Conditioning and shade). He’s had quite a lot of fun. We take our time and put on his shoes, put on a pair of shorts, try to keep a hat on his head and then journey outdoors where the world is much taller than the ceilings of our home. … Continue reading →

How to Document Your Valuable Property

My husband and I recently visited with our insurance agent. We learned quite a bit about homeowners insurance that we did not know before we spoke with her that day. One of the things we learned was how important it was to make sure we correctly documented our property, especially the valuable property. A homeowners insurance policy covers two basic things. It covers the damage caused to the outside of your home, and it covers the replacement of your personal property in case it gets stolen, or damaged due to a disaster. Insurance companies will require proof before they will … Continue reading →

Researching Insurance Options – Part 3

My husband and I recently started doing a little research about what our available options were in regards to insurance. When we visited our insurance agent, we learned that we needed to make some changes to our existing car insurance policy, which was ready to be renewed. This was taken care of right away. The next thing we needed to think about was homeowners insurance. We already had a homeowners insurance policy with the insurance company we were speaking with. This is because we own a home, and were required to purchase some form of homeowners insurance when we first … Continue reading →

What is Renters Insurance?

If you are renting a house or an apartment, you might consider getting renters insurance. This type of insurance is something that many people overlook, because, unlike homeowners insurance, there is no mortgage company requiring you to purchase it when you start renting. It is a form of protection for yourself, and your property. Your landlord should have insurance on the apartment building, or house, that you are renting. Their policy will cover the cost to repair damage to the actual structure, as well as to the parking lot, sidewalks, and other common use areas of the building. It does … Continue reading →

What is Homeowners Insurance?

Homeowners insurance, which might also be called home insurance, is something that most mortgage companies will require you to have when you purchase a home. This kind of insurance gives some protection to your home, as well as your possessions. It also may cover some of the costs in case of personal liability. Not all homeowners insurance policies will cover exactly the same things. In general, there are two basic parts that all homeowners insurance should have. One part involves property protection, and the other part involves liability protections. You need to make sure that you purchase enough homeowners insurance … Continue reading →

Saving on Electricity

With the price of electricity tipped to rise considerably in Australia, and probably the same in other countries, we need to find ways of saving money.So here are a few tips for saving on electricity. Switch off lights when you leave a room. It sounds simple but it’s amazing how many people don’t. Also make sure to switch off appliances when they are not in use. Don’t leave these switched on. Overhead fans are much cheaper to run than an air conditioner and quite effective. Use of blinds, curtains and awnings is another way of keeping heating and cooling costs … Continue reading →

Living Willow: Garden Furniture That Grows

Tomorrow morning I am going to stand solidly by my reputation as the oddest gardener in the neighborhood. A few weeks back, I ordered some living willow rods from a local supplier, and yesterday they arrived at out house. There are twenty seven-foot-tall, thumb-width willow branches waiting to be planted in my front yard. Tomorrow morning I will be out there with a long piece of metal bar, punching holes in the ground to put my willow in, in the hopes that it will root. Why am I planting seven foot tall sticks in my front yard? Well, I love … Continue reading →

Caring for Evergreen Trees

Now is a perfect time to plant some evergreen trees. These trees go dormant in the late fall in preparation for winter. This means that they will require less sunlight and other care. Because of the dormancy of the trees, planting them now will be less stressful than planting these trees during the summer or late spring. Plentiful fall rains will also help the newly planted evergreen trees. Once your trees are already planted, you’ll want to take proper care of them. Fertilizing may or may not be necessary in subsequent years after planting. This will depend on your soil. … Continue reading →

10 Fall Plants that Attract the Birds

Now that fall is here, we have been enjoying the cardinals for whom the pine tree outside of our dining room window appears to be particularly comforting. These bright red birds with the black masks are always a treat to enjoy, especially when they show off their colors against the green pine needles or the white winter snow that is sure to fall sometime in the next month or so. If you want to attract cardinals and other birds that may be visiting in the fall, consider providing them with a birdie buffet of all of their favorite plants. These … Continue reading →