Home Contents Insurance – How Your Camera Could Save You Thousands of Dollars

Home contents insurance is one of the types of insurance policies that you should have to protect your personal belongings in your home from loss, damage or theft…Whether you are a homeowner or a renter, it doesn’t matter. The home contents insurance policy will financially protect you in case of events that none of us wants to think will ever happen to us – a fire, burglary, vandalism – and any number of other unforeseeable situations that most of us are unprepared to deal with.

Many of us have no idea how much the items in our home are worth. If you suffered a loss of your home TODAY, what would you do tomorrow? Would you call your insurance broker who sold you your home contents insurance? What would you do if he asked you to give him a list of everything that you lost in your home and the total value of your loss? Would you even know where to begin?

Have you ever done a home inventory of your personal belongings? If you have, congratulations! Most homeowners have home contents insurance, but have not done what you’ve done to protect yourself and your property. But is your inventory current? When was the last time you updated that inventory? Do you have a regular time for reviewing your inventory, adding new purchases or expensive gifts to it, and deleting items you’ve gotten rid of? Where are you storing your inventory records? If you’re keeping the list at home, then what do you think will happen to it if your home catches on fire and is demolished? How much help will it be to you then? Keep the inventory of your personal belongings in a safety deposit box at your bank, in a file cabinet at your workplace, or at the home of a family member or trusted friend. Be sure that a few people besides yourself know where your inventory is being kept. If you decide to keep it in a safety deposit box, don’t keep your key at home in a hidden place or you won’t be able to get into your box. Keep the key on your keychain, in a hidden place in your car, or with a trusted friend or relative. And remember that it won’t help much if something happens to you and you never told anyone where the key is.

If you have a video camera (and many cell phones today have a video camera on them), that’s the best thing to use to do a physical inventory of your home and its belongings because you can talk as you walk through your home and describe items without needing to list them on a piece of paper. After you’ve completed a video of your household items, look for the original receipts you got when you bought appliances, your air conditioner, TV or computer, etc. and keep them together with your video. If you use your phone’s video camera, make sure you know how to download the video onto your computer and burn a CD, then store the CD in your safety deposit box, in your desk at work or at the home of a relative or trusted friend. Now you can feel secure that you will be able to tell your home contents insurance broker what items you lost and their value if a disaster strikes.

How to Catch Your Wife Cheating – Top Indicators

Do you ever wonder how to catch your wife cheating? In many marriages one partner may go outside the relationship and cheat on the other person. According to research, men are more likely to cheat than women but, recently there has been a substantial increase in the number of women who cheat on their husbands. It is often hard to tell if you wife is cheating and often times husbands will mistakenly accuse their wife of seeing someone else. If you think your wife is cheating there are ways that you can catch her. Signs of an affair differ by each individual situation but, in most cases there are some common indicators. The first indicator is a drastic change in behavior.  Did your wife hate night clubs but, then suddenly change her opinion and start going out with her friends on a regular basis? Does she find reasons to go to the same place repeatedly? This is a good indicator that something may be going on. This alone is not proof though. You will need more evidence before you confront her.

If you are wondering how to catch your wife cheating, you should start by monitoring her whereabouts and behavior.   You may prefer to hire someone to do this or if you have the time you can do it yourself. This may seem a bit extreme but, there are real professionals out there who are trained to do this and will report back to you on all of her movements and who she has been with. You should exercise caution if you choose this method because if she is not cheating and finds out you had her spied on, you could lose your relationship. Another route you can take when trying to figure out how to catch your wife cheating is to keep a journal of her activities. By doing this you allow yourself to notice anything out of the ordinary. You may also want to monitor her phone calls. A great indicator of infidelity is her making or receiving late night calls without you being aware. If you suspect something is happening in your home, you can make unexpected stops at home during the day or just come home for lunch without notice. You could also take off early a few days and surprise her. 

You must be prepared with an explanation why you are home at these times if this is not normal for you. If you don’t have a valid explanation she may get suspicious. Unexpected visits can also come in handy if you suspect she is cheating with someone in the workplace. Finally, keeping track of your wife’s spending is a great way to catch your wife cheating. You might want to question her if she starts shopping and eating in places she doesn’t normally visit. It is extremely important that you question her without accusing her. If you accuse her and you are wrong this will not help your relationship any. For more information on how to catch your wife cheating visit Are They Cheating?

How to Start a Home Bakery Business

Starting a home bakery. Most home based business are in built up areas of a community. There are usually children in the house. Often very young children.

This is often the cause of wanting to start a bakery at home. Plus, it is also a reason to be prevented from starting a bakery at home. Catch 22 syndromes.

Children also play in the gardens and roads of the area. This is a concern to local authority, because it is often considered an increase of vehicular traffic to a home business.

Neighbors complain of the increase in traffic and without your next door neighbor approving of your venture, it might just be a pipe dream. Another problem with home based business ventures, is the increase of garbage. Local authorities consider a business as extra income collecting your business garbage.

So you will pay for two garbage pick ups and your business garbage might have to be in a protected container, not the usual one bag bin as might be allowed in your community pick up.

Another reason for the neighbor to complain is these container bins attract flies, they smell terrible in hot weather and they also attract vermin in varying forms. The garbage contractor is not responsible for steam cleaning or pick up of the surrounding area either. That is your job.

It could get very messy if you leave the container unlocked. Garbage pickers will very likely rummage through for cans or bottles from which they might get a refund of deposit. If you live in a semi-detached house, an apartment, or a townhouse. There is a very real threat from a fire? Your built-in oven may have dried the woodwork around the oven to the point of combustion and only needs a certain amount of moisture and heat to actually catch fire.

Have you seen the heat generated by a compost heap? Or a pile of wet sawdust. Your neighbor would probably hear all your machinery working. And, if you started work on your products at say 3 a.m. in the morning. They will not be best pleased at being rudely woken at such an unearthly hour.

They won’t mind the aroma from your fresh product if you were allowed to make then, but they most certainly will create very loudly at your early start to the day.

There would be another problem with delivery of your ingredients. First of all there is the storage of the ingredients. These are usually delivered in larger quantities than you would normally purchase from the local super market. So your built in cupboards will not be sufficient to hold everything.

That in turn means you will require a storage area. Separate from the house. The floor in houses are not designed to support the weight of a bakery business and its ingredients, nor the machinery.

If you store flour, there are certain legal requirements. Flour is considered a combustible. Even an explosive. I have been around flour for over 50 years and never heard of flour being an explosive till recently, when my building inspector pointed out the problem to me. Yes! I have heard of flour mills catching fire, but never a bakery for that reason.

Your storage area will very likely need to be re-enforced on all sides and ceiling. In some areas that re-enforcing might be in the form of two layers of giproc, no less than five eighth inches thick and fire retardant. Your storage room might also require a fire door.

One which if a fire should start in your storage room would take at least two hours to burn through before the structure of the building suffered.