Best Home Insurance Guide

They say dwelling is where the heart is, a place to begin a family members or our own personal space. For many folks our house will rather possibly be probably the most high-priced commodity we'll ever own. Add to that our collection of belongings that we will accumulate over time and you'll start off to understand just just how much dollars you might have tied up within your property.

Here at moneysupermarket.com, we fully grasp the importance of protecting your home and its contents and our cost comparison tool will permit you to compare home insurance quotes from much more than 74 distinctive household insurance businesses.
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Locating a cheap residence insurance policy might be straightforward even so discovering a comprehensive policy that suits your own personal needs and covers all those added extras can be slightly trickier.

Our residence insurance guide will assist you to understand what to look out for in a policy and the best way to get by far the most from your buildings and contents cover.

Is home insurance important?

All too often persons feel that property insurance is unnecessary because they do not think they are going to have to have it, however is it a threat you'll be able to afford to take?

It is actually said that one in three of us is going to be burgled at some point in our lives however 1 in four of us nonetheless don't have an sufficient residence insurance policy. If the worst had been to take place and your house and its contents had been destroyed or badly damaged on account of a flood, storm or fire then a house insurance policy is there to save you from economic ruin.

Most mortgage lenders will now insist which you have a appropriate insurance policy taken out in your household before they are going to approve a mortgage.

When looking for a policy you are going to really need to supply a good deal of details about your home and its contents. In regards to buildings insurance, insurers will would like to know the construction date, the supplies applied for the creating and also the full expense to rebuild within the event of total loss. Some buildings could be un-insurable such as prefabricated buildings and thatched cottages.

In regards to contents insurance, the insurer will wish to know the worth of all items in your residence. Our contents calculator will help you add up the value of one's items for each room, whereas for high worth items for instance antiques, you may ought to seek out a specialist insurer.



In part two of our guide we'll take a appear at the distinct types of house insurance coverage which is obtainable.

What The Facebook Mobile Changes Mean To Marketers And Advertisers

Head of mobile products at Facebook Erick Tseng said just a few weeks ago that Facebook will "become a mobile company." And based on recent announcements it appears that's precisely where they're headed and mobile marketing and mobile advertising folks would be wise to pay close attention.?

Back in July Facebook announced the creation of a non-smartphone app called?"Facebook for Every Phone." The app is compatible with 2,500 different feature phones or non-smartphones and provides these folks with?a similar experience to smartphone users, offering standard Facebook features like the News Feed and Inbox but also letting users upload photos and find friends from their phone contacts. Briliiant idea for not all of us have smartphones but many of us love Facebook and love to share and post and "Like" our favorite brands.?

And just yesterday, Facebook made a major move to becoming a mobile company by announcing a whole array of changes all aimed at making the Facebook user experience more seamless via mobile.?Facebook?engineer?Luke?Shepard, in a post on Facebook's developer's blog said:?"Today, we are extending Facebook Platform on mobile, bringing all the social channels that have helped apps and games reach hundreds of millions of users on the Web to mobile apps and websites. You can now easily reach the 350 million people who use Facebook every month on a mobile device, including iPad, iPhone, iPod touch, and our mobile web site."

Did you catch that number marketers and advertisers? 350 million people use Facebook every month via a mobile device.?

Perhaps the biggest news deals with the announcement of the long-awaited Facebook iPad application. This of course is huge news considering the growing popularity of tablets. According to?technology market research firm Infonetics Research,?The number of mobile broadband-enabled tablets (e.g., Apple iPad, Motorola Xoom, BlackBerry PlayBook, HP TouchPad, etc.) sold in the second quarter versus the first quarter jumped 80%, with 14 million tablets sold worldwide in 2Q11.?And you can be damn sure these numbers are only going to go up.?

As of right now, the iPad Facebook app will not include any advertising but... you know that's just a matter of time as the folks at Click Z put it "...with high-end marketers? interest in tablet ads only growing, it would seem logical that Facebook will waste little time offering advertisers regular placements on its iPad app."

As far as the new Facebook mobile features, they include social channels like bookmarks, news feed and friend requests, all of which make it easier for users?to discover and share third-party apps with friends.? Facebook also announced it ?was extending its payment system Facebook Credits to support mobile web apps, although Facebook said they are not allowed in iOS apps or mobile web apps that run within a Facebook iOS app.

As to what the future holds for Facebook and mobile marketing, Shepard said "We are at the beginning of bringing Facebook Platform apps to mobile. The features we are launching today are still under development. They will evolve as we learn more about building richer social experiences on mobile devices. In addition, we will extend our native support for more mobile platforms such as Android in the near future. We are excited to see what you (developers) will build with these features today and look forward to working with you as we improve these features."

This is indeed a very exciting time for not only those of us who use Facebook via our moble app - and apparently there's a lot of us but also for marketers and advertisers. Just imagine the possibilities you now have to reach these 350 million consumers who use Facebook every single month through their mobile phone in addition to the 850 million who use Facebook via more "traditional" web-based methods.?

Facebook sees the future and knows that it's a mobile future and I would expect more enhancements to their mobile arsenal and I would equally expect Google and Twitter and ALL social media platforms to up their mobile marketing capabilities as well.?

I've said it before and I will absolutely take this opportunity to say it agian.... Mobile marketing and mobile advertising is here, it's not going anywhere and marketers ad advertisers better learn to deal with it.?

I would be remiss if I didn't share just "some" of my posts in which I sing the praisers of mobile marketing:

Sources: Ad Week, Facebook Developers Blog?, Click Z, The Star Group, What The Facebook Mobile Changes Mean To Marketers And Advertisers

Source: http://feedproxy.google.com/~r/socialmediatoday_allposts/~3/Bg-mBg65770/what-facebook-mobile-changes-mean-marketers-and-advertisers

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Bankrupcy law change could help consumers recover: Experts

Some experts have recommended a change in bankruptcy law in the USA to forgive the debts of consumers (i.e. student loans, mortgage loans and consumer loans) and help the economy to recover, as stated in this report.

This is a dangerous suggestion that has moral hazards, but should not be written off entirely. Already, matters have become very difficult and bad! Anyway, the banks will not agree to write off the loans and will fight hard against such a law.

But I like to suggest this way out. If we study what is happening in Greece, the solution is for the banks to take a haircut and be paid say 50% of what they are due. In the case of consumer loans, the bankruptcy law could allow them to apply for a special fund from the state to pay off the loan at a 50% discount. The money borrowed from the state will have to be repaid in the future, but at a low rate of interest (instead of the usury rate charged by the banks). This will give consumers time to pay off their loans gradually and to rebuild their lives.

 

California Teachers Pension Fund takes a stand

I congratulate the California teachers pension fund for taking a stand against the obscene practices of over-paying CEOs of large companies. Read this report.

Trickle down economics

Quote in my blog: Republicans (in the USA) are fervent supporters of 'Trickle-down Economics' which is proven to be a fraud. Guess who else is also a die-hard believer of this economic nonsense? 

Here is an explanation of "Trickle down economics".

Question: Who is the "die-hard believer (in Singapore) of this economic nonsense"?

Phobia of Public Speaking

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People who are affected by this condition can experience anything from increased heart rate and mild nausea to extreme anxiety attacks. This disorder is far more serious than many people realize. An individual who suffers from this condition may go to desperate lengths to avoid any kind of public speaking. This can affect not only their social life, but their career as well.  A person who is truly terrified of public speaking may turn down jobs and promotions in order to avoid having to speak in public. They may restrict their social engagements to those where they will never be expected to be the center of attention. Check out tips for public speaking anxiety and public speaking fear.. Read more at publicspeakingfearhq.com

 

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Tips for Public Speaking Anxiety

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One thing you can do to overcome your fear is to know your audience. This is essential. You have to give a speech that your listeners will be able to understand. You cannot give the same speech to a group of elementary children that you would give to a group of university students. Use the experience and knowledge of your listeners as a guide to determine the level of content that you intend to use. Check out public speaking fears and public speaking fear information also. Part of your presentation should involve reading your audience. While you are speaking, be aware of how the people you are talking to are responding. Are they making eye contact with you or are they watching the ceiling or their shoes? If you notice that they are no longer paying attention, you have a number of options available to you. You can move on to a new point, ask a question in hopes of getting them more involved or draw your speech to a close. Read more at publicspeakingfearhq.com

 

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Stagflation

America is expected to see a period of stagflation, similar to the 1970s. It is a period of economic stagnation, i.e. no economic growth, high unemployment, coupled with a high rate of inflation. The lack of economic growth means that the high rate of unemployment will continue to be high, and the cost of living will increase, due to inflation. It will be a difficult time for many people. The problem is that this stagflation is likely to spread to other countries, due to the global environment.

What is the cure for stagflation? The economic stimulus adopted during the past three years did not seem to work. We need a new approach.

Lack of demand is cause of unemployment

The Republican politicians blame Government regulations for hampering the creation of jobs. Business owners disagree. It is the lack of consumer demand. Read this report. 

Why Use Bluetooth Car Kits - Are There Any Advantages?

We are not in the 18th century any more, are we? And you sure have heard about the Bluetooth adapter, haven't you? Okay, just to refresh on the basics, Bluetooth kits are normally devices that you use Bluetooth technology with your A2DP phone for hands-free facility while driving your car. Previously, these Bluetooth adapters were wired with the mobile phones, but nowadays with the advancement of the Bluetooth technology, you can access the hands-free device without wiring of any sort. It is wireless.

Yes, in a lot of cars in the 21st century, you will find a Bluetooth car adapter. And why shouldn't it be so? After all, any change that brings about betterment in our lives is to be welcome with open arms. Here in this article, I would enlist what the plus points of getting you a Bluetooth car kit can be.

We Buy Any Car

Usability - Yeah, there was a time when handsfree Bluetooth kit was supposed to be a luxury. But in today's times, it has become a necessity. The heavy fast traffic, the upward surge in road accidents and sometimes, just the irresistible attraction of the merits of the hands-free facility is enough for to make anyone go for one. In simple words, if you HAVE a car, you NEED a Bluetooth adapter.

Cost-effectiveness - Well, it would not have been possible for every other mobile phone owner with a car to go for a Bluetooth car kit if it was priced sky-high. But the advancement of the Bluetooth technology and competence of the Bluetooth car kit manufacturing brands made it absolutely possible for the general public to avail of this great facility. Great quality at low costs is the order of the day.

Legal - Did you know that in most countries, handling mobile phones while driving is ILLEGAL? And that's why the Bluetooth kit is so necessary. With a Bluetooth car kit, you can save your day if a traffic officer comes pouncing on you. Remind yourself of the story I told you at the beginning of this article. You want a handsfree not to get your car confiscated or be charged a hefty fine just for talking to your mum while driving to your office.

And not only these, the user's experience including the high quality sound and crystal clear picture, along with the addition of new features to the Bluetooth adapters every day make it a must to be had in every car. From the plain old MP3 players or other car audio players, you may not be able to get the audio and video output quality and ease that you get from the regularly updated Bluetooth car kits.

To sum it up, if you are a passionate car addict as I am, and want to enjoy every bit of your driving, go get yourself the latest Bluetooth car kit in the market. It's the driving experience that counts in the end. Remember, if you OWN a car, you NEED a Bluetooth car kit.

Why Use Bluetooth Car Kits - Are There Any Advantages?