Saturday, 10 December 2016
Davido About Going Back For His Masters
As shared by the star online, good to know his taking education serious wish others could do same also i mean let him show them the way guess he'd be the only singer with a M.Sc
Wednesday, 30 November 2016
5 REASONS WHY WIZKID IS BIGGER THAN ALIKIBIA
Social media influence/ Radio Plays And Streams:
Social media really goes a long way in portraying the lifestyle and level of success of an artist even though most live a controlled influenced conscious lifestyle online one can still significantly deduce some details about them like we doing with Wizkid And Alikiba right now Wizkid Facebook : 1-6 million naira Twitter: 2.38 million Instagram: 2.8 million Youtube: cumulatively Wizkid has about 120 million youtube plays Spotify: over a billion streams in Wizkid’s name Alikiba Facebook : 124k Twitter: 134k Instagram: 1.6 million Youtube: cumulatively Alikiba has about 30 million youtube plays Wizkid definitely wins in this category Spotify: ...?
Social media really goes a long way in portraying the lifestyle and level of success of an artist even though most live a controlled influenced conscious lifestyle online one can still significantly deduce some details about them like we doing with Wizkid And Alikiba right now Wizkid Facebook : 1-6 million naira Twitter: 2.38 million Instagram: 2.8 million Youtube: cumulatively Wizkid has about 120 million youtube plays Spotify: over a billion streams in Wizkid’s name Alikiba Facebook : 124k Twitter: 134k Instagram: 1.6 million Youtube: cumulatively Alikiba has about 30 million youtube plays Wizkid definitely wins in this category Spotify: ...?
Wednesday, 5 October 2016
5 TYPES OF SIT-UPS TO DO AFTER BIRTH
Do not do sit-ups, curl ups, or crunches until after your doctor has given you approval. Be it yoga or aerobics, start slow but be consistent. How to reduce tummy after cesarean delivery home remedies? Some Abdominal Muscle Toning Poses that can be really helpful include:
1. Pelvic Tilt; Simply contract your abdominal muscles and use them to tilt your hips forward. These can be done sitting, standing, or laying down. Do these daily, or as often as you are physically able, to begin restoring your abdominal muscles and promote healing.
2. Bridge; This exercise does not place excess strain on your c-section stitches, yet helps to tone the stomach. Start by lying on your back with your feet flat on the floor, with your legs hip-width apart. Straighten your arms at your sides with your palms on the floor. Contract your stomach muscles to lift your buttocks, then your stomach and then your middle back off the floor. Do not lift your shoulders off the ground. Hold this position for 10 seconds, then lower the body to the ground. Repeat four to eight times.
3. Lower Abdominal Slide; This exercise is especially beneficial for new moms after c-section because it targets the lower stomach muscles, which are affected by surgery. Start by lying on your back with your feet flat on the floor with your arms straight at your sides, palms facing down. Keep the pelvis tucked in to work the muscles. Contract your abdominal muscles to slide your right leg straight out, slowly and in a controlled motion. Use the muscles again to bring the leg in to your starting position. Repeat on the opposite leg, taking deep breaths as you do. Repeat three to five times on each leg.
4. Modified Cobra; The modified cobra also helps with the pelvic floor. Begin on your stomach with your palms on the floor next to your shoulders and elbows tucked into your ribs. Lift up your head and neck, not so much that it strains your back, and suck in your abs as if you were trying to lift your pelvis off the floor. Repeat four to eight times several times a week.
1. Pelvic Tilt; Simply contract your abdominal muscles and use them to tilt your hips forward. These can be done sitting, standing, or laying down. Do these daily, or as often as you are physically able, to begin restoring your abdominal muscles and promote healing.
2. Bridge; This exercise does not place excess strain on your c-section stitches, yet helps to tone the stomach. Start by lying on your back with your feet flat on the floor, with your legs hip-width apart. Straighten your arms at your sides with your palms on the floor. Contract your stomach muscles to lift your buttocks, then your stomach and then your middle back off the floor. Do not lift your shoulders off the ground. Hold this position for 10 seconds, then lower the body to the ground. Repeat four to eight times.
3. Lower Abdominal Slide; This exercise is especially beneficial for new moms after c-section because it targets the lower stomach muscles, which are affected by surgery. Start by lying on your back with your feet flat on the floor with your arms straight at your sides, palms facing down. Keep the pelvis tucked in to work the muscles. Contract your abdominal muscles to slide your right leg straight out, slowly and in a controlled motion. Use the muscles again to bring the leg in to your starting position. Repeat on the opposite leg, taking deep breaths as you do. Repeat three to five times on each leg.
4. Modified Cobra; The modified cobra also helps with the pelvic floor. Begin on your stomach with your palms on the floor next to your shoulders and elbows tucked into your ribs. Lift up your head and neck, not so much that it strains your back, and suck in your abs as if you were trying to lift your pelvis off the floor. Repeat four to eight times several times a week.
5 Home Remedies To Get Tummy Back After Birth
Everybody knows pregnancy and delivery can be a stressful time for the mother, especially if she has had a c-section. The body needs time to heal and recovery can get delayed due to complications such as wound infections, back aches or body swelling.
You have to remember that the body took a good nine months to gain all that weight, so being patient and going slow is the key to post pregnancy weight loss. A lot of mothers develop that post c-section stomach pouch which can be extremely irritating, so remember you are not alone. How to reduce tummy after cesarean delivery home remedies, well, here are 5 effective ways to do just that while sitting in the comfort of your home.
1. Breast Feeding
The first and earliest way to start losing that extra belly fat is breast feeding. Nursing will not only help you in establishing a bond with your baby but it burns a lot of extra calories, almost 850 Kcal per day to be exact. Breast feeding also causes the release of hormone Oxytocin that helps contract the uterus and reduces post-delivery bleeding. On the other hand, you have to be mindful that breast feeding will make you hungrier. And a hungry, sleep-deprived mom will look to satisfy her cravings by snacking most of the time, which brings us to our next point.
2. Snack Right
First, let’s clear the misconception that pregnant and nursing mothers need to eat for two people. That’s not true. The body only needs 300-500 extra calories during and after pregnancy to maintain its function properly. Which means adding a cup of whole milk, an egg, a fruit or a slice of bread in your diet is sufficient enough for your body as well as your baby. Chose foods that are rich in nutrients and low in calories and fat. The fact is that if you did not gain too much weight during pregnancy, you will not have to worry about losing a lot of weight after delivery. But it’s never too late and you can change your diet now.
nutritionLet’s face it. Snack smart, snack right. Include fruits and vegetables in your diet instead of cookies and cakes. Drink milk instead of having an ice cream. Have lots of water. It’s scientifically proven that most of the time people eat when they are actually thirsty. So don’t let your body fool you into eating more than you must. Don’t worry about having to run to the bathroom every other second. That’s a good thing. It flushes your kidneys and decreases body swelling, hence body weight. Lowering salt intake will also aid in lowering body swelling. Fish, lean meat, chicken and beans are foods low in fat and high in protein and fiber. They will keep you feeling full for much longer, which could well be the answer to how to reduce weight after delivery.
3. Safe Detox
Safe detoxing is a great way to boost liver and kidney function, helping you achieve that much needed flat tummy after c section. Most detoxes are way too restrictive, leaving you malnourished, which is not advisable especially considering that you just had a baby. Try these instead:
How to reduce tummy after cesarean delivery home remediesAs I mentioned above, drink a lot of water. The reason I mention it twice is to hit home its importance.
Eat lots of fresh vegetables and whole fruits which are rich in naturally occurring fiber and help regulate gut movement, eliminating more toxins from the body.
Lemon water, honey water, green tea, ginger tea, fish oil (omega 3) and dandelion tea are also good home remedies for weight loss after delivery.
4. Use a postpartum support belt or girdle
The benefits of postpartum support belt or girdle can be a blessing, as they help tighten abdominal muscles and play a vital role in flattening your flabby stomach. They will improve your posture, protect your incision and even help reduce back pain.
After a c-section, you might want to go with a belt or girdle that offers a lot of compression and very firm binding. Those who’ve had c-sections at least two or three weeks before and prefer something a bit easier to wear with slightly less constriction, a band-style belt may do perfectly well.
5. Move your body
Pregnancy itself takes a toll on the pelvic floor and abdominal muscles. The c-section causes even more stress to that area. This happens because a c-section can cut through some of the stomach muscles resulting in a pouch-like puffy stomach after delivery. It is recommended that you take atleast 6-8 weeks after a c-section before starting to move aggressively or exercise. Always talk to your doctor before starting any muscle toning exercises.
Walking is a low impact exercise that burns calories and helps rev up your metabolism. Walking, like most exercises, can help lift your mood and increase your energy, something you’ll need with all those sleepless nights. It is a good way for your baby to get some fresh air as well, if you decide to take him or her with you. Using an elliptical machine, swimming or riding a bicycle are other low impact exercises.
You have to remember that the body took a good nine months to gain all that weight, so being patient and going slow is the key to post pregnancy weight loss. A lot of mothers develop that post c-section stomach pouch which can be extremely irritating, so remember you are not alone. How to reduce tummy after cesarean delivery home remedies, well, here are 5 effective ways to do just that while sitting in the comfort of your home.
1. Breast Feeding
The first and earliest way to start losing that extra belly fat is breast feeding. Nursing will not only help you in establishing a bond with your baby but it burns a lot of extra calories, almost 850 Kcal per day to be exact. Breast feeding also causes the release of hormone Oxytocin that helps contract the uterus and reduces post-delivery bleeding. On the other hand, you have to be mindful that breast feeding will make you hungrier. And a hungry, sleep-deprived mom will look to satisfy her cravings by snacking most of the time, which brings us to our next point.
2. Snack Right
First, let’s clear the misconception that pregnant and nursing mothers need to eat for two people. That’s not true. The body only needs 300-500 extra calories during and after pregnancy to maintain its function properly. Which means adding a cup of whole milk, an egg, a fruit or a slice of bread in your diet is sufficient enough for your body as well as your baby. Chose foods that are rich in nutrients and low in calories and fat. The fact is that if you did not gain too much weight during pregnancy, you will not have to worry about losing a lot of weight after delivery. But it’s never too late and you can change your diet now.
nutritionLet’s face it. Snack smart, snack right. Include fruits and vegetables in your diet instead of cookies and cakes. Drink milk instead of having an ice cream. Have lots of water. It’s scientifically proven that most of the time people eat when they are actually thirsty. So don’t let your body fool you into eating more than you must. Don’t worry about having to run to the bathroom every other second. That’s a good thing. It flushes your kidneys and decreases body swelling, hence body weight. Lowering salt intake will also aid in lowering body swelling. Fish, lean meat, chicken and beans are foods low in fat and high in protein and fiber. They will keep you feeling full for much longer, which could well be the answer to how to reduce weight after delivery.
3. Safe Detox
Safe detoxing is a great way to boost liver and kidney function, helping you achieve that much needed flat tummy after c section. Most detoxes are way too restrictive, leaving you malnourished, which is not advisable especially considering that you just had a baby. Try these instead:
How to reduce tummy after cesarean delivery home remediesAs I mentioned above, drink a lot of water. The reason I mention it twice is to hit home its importance.
Eat lots of fresh vegetables and whole fruits which are rich in naturally occurring fiber and help regulate gut movement, eliminating more toxins from the body.
Lemon water, honey water, green tea, ginger tea, fish oil (omega 3) and dandelion tea are also good home remedies for weight loss after delivery.
4. Use a postpartum support belt or girdle
The benefits of postpartum support belt or girdle can be a blessing, as they help tighten abdominal muscles and play a vital role in flattening your flabby stomach. They will improve your posture, protect your incision and even help reduce back pain.
After a c-section, you might want to go with a belt or girdle that offers a lot of compression and very firm binding. Those who’ve had c-sections at least two or three weeks before and prefer something a bit easier to wear with slightly less constriction, a band-style belt may do perfectly well.
5. Move your body
Pregnancy itself takes a toll on the pelvic floor and abdominal muscles. The c-section causes even more stress to that area. This happens because a c-section can cut through some of the stomach muscles resulting in a pouch-like puffy stomach after delivery. It is recommended that you take atleast 6-8 weeks after a c-section before starting to move aggressively or exercise. Always talk to your doctor before starting any muscle toning exercises.
Walking is a low impact exercise that burns calories and helps rev up your metabolism. Walking, like most exercises, can help lift your mood and increase your energy, something you’ll need with all those sleepless nights. It is a good way for your baby to get some fresh air as well, if you decide to take him or her with you. Using an elliptical machine, swimming or riding a bicycle are other low impact exercises.
KNOWING THE RIGHT TYPE OF CAR INSURANCE IN NIGERIA
Why Do We Need Car Insurance?
Car insurance policy is one of the most important documents that every car owner must have. People feel like they don’t really need one until they are involved in an accident.
A car insurance, just like any other insurance policy, is used to protect the policy holder and cover any financial losses that may occur while operating a motor vehicle. The premiums might be expensive, and it can be tempting not to get one, but in most cases, it is not feasible or possible.
Most automobile drivers are required to have at least liability coverage. Be sure to have the minimum amount of liability coverage that is required by law. Without any liability coverage, a driver is not allowed to have a license.
One of the reasons why drivers are required to have liability coverage is because the policy compensates another party should there be an accident where you were found to be at fault. During an at fault situation, the driver will be responsible for all the damages incurred. And if the driver doesn’t have any liability coverage then they need to pay for the full cost of the damages. Having car insurance with liability coverage prevents you from going through financial ruin because of an accident.
Collision and comprehensive often bundled together because they refer to accidents where the driver didn’t cause the accident. Some examples of collisions include hitting a pothole or running into debris while on the road. Comprehensive damages are acts of God such as severe thunderstorm that led to a branch to fall on the vehicle, or lightning striking the car. Collision and comprehensive car insurance coverage pays or reimburses the driver for the auto repairs or if the damage was not caused by the driver.
Just imagine a world without car insurance. People who are at fault are required to pay for the injuries of the victims as well as the damages caused by the accident. Keep in mind that the person at fault must pay for the vehicle repairs, medical bills and other expenses paid by the insurance of the driver at fault. Without a car insurance, the person at fault needs to pay the expenses out of his pocket. A lot of people have lost their assets, or even gone bankrupt because they didn’t have any car insurance cover.
When getting a car insurance, it is important that you review the policy to ensure that you understand all the details, especially the fine lines. You should know what is covered by the policy and how much your premiums are before you seal the deal on a car insurance. You should carefully consider the coverage scope of the insurance policy to make sure that you are properly covered by it.
Car insurance policy is one of the most important documents that every car owner must have. People feel like they don’t really need one until they are involved in an accident.
A car insurance, just like any other insurance policy, is used to protect the policy holder and cover any financial losses that may occur while operating a motor vehicle. The premiums might be expensive, and it can be tempting not to get one, but in most cases, it is not feasible or possible.
Most automobile drivers are required to have at least liability coverage. Be sure to have the minimum amount of liability coverage that is required by law. Without any liability coverage, a driver is not allowed to have a license.
One of the reasons why drivers are required to have liability coverage is because the policy compensates another party should there be an accident where you were found to be at fault. During an at fault situation, the driver will be responsible for all the damages incurred. And if the driver doesn’t have any liability coverage then they need to pay for the full cost of the damages. Having car insurance with liability coverage prevents you from going through financial ruin because of an accident.
Collision and comprehensive often bundled together because they refer to accidents where the driver didn’t cause the accident. Some examples of collisions include hitting a pothole or running into debris while on the road. Comprehensive damages are acts of God such as severe thunderstorm that led to a branch to fall on the vehicle, or lightning striking the car. Collision and comprehensive car insurance coverage pays or reimburses the driver for the auto repairs or if the damage was not caused by the driver.
Just imagine a world without car insurance. People who are at fault are required to pay for the injuries of the victims as well as the damages caused by the accident. Keep in mind that the person at fault must pay for the vehicle repairs, medical bills and other expenses paid by the insurance of the driver at fault. Without a car insurance, the person at fault needs to pay the expenses out of his pocket. A lot of people have lost their assets, or even gone bankrupt because they didn’t have any car insurance cover.
When getting a car insurance, it is important that you review the policy to ensure that you understand all the details, especially the fine lines. You should know what is covered by the policy and how much your premiums are before you seal the deal on a car insurance. You should carefully consider the coverage scope of the insurance policy to make sure that you are properly covered by it.
ALL YOU NEED TO KNOW ABOUT WEDDING INSURANCE
Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforseen, and can also afford you great peace of mind. But what exactly is wedding insurance—and how does it work? Here's the inside scoop.
What Is Wedding Insurance?
Basically, wedding insurance protects a couple's investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if your limo driver doesn't show up and you have to book another one the morning of the wedding—for three times the price? Or what if the groom's custom-made tuxedo is lost in airport baggage, and he has to buy a new one the day before the wedding? What if your reception space goes out of business a month before the wedding, and you lose your deposit and have to book another space? These are the types of wedding day financial losses that wedding insurance can help to protect.
Why Get Wedding Insurance?
Consider these scenarios:
Janet and Dan spend months planning their winter wedding. But on the wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible)—including money for the invites, cake, catering, attire and nonrefundable deposits for ceremony musicians, a floral designer and other vendors.
The bride's father is injured in a car accident just before the wedding and cannot travel. If the couple has to postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.
Right before the ceremony, Brittany's gown catches a gust of wind. Unfortunately, the tulle dances right over to the end of Uncle Howard's cigar and the dress instantly goes up in flames. Fortunately, the right insurance policy covers the replacement of the veil and gown.
How Much Does Wedding Insurance Cost?
A basic insurance policy that covers loss of photos, videos, attire, presents, rings and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185. But, good news! You can also get free wedding insurance (yes, free!) if you book your wedding venue through The Knot Venue Concierge, where $27,000 in free wedding insurance coverage is included in the policy.
Do You Really Need Wedding Insurance?
Before you buy wedding insurance, check with your each of your vendors to see how well they're covered—your reception site or your caterer may already have their own insurance, so you wouldn't want to pay for overlapping coverage out of your own pocket. Ask your vendors for a copy of their policy, and then figure out where you aren't fully covered.
When Should You Get Wedding Insurance?
The sooner the better. Let's say you put a deposit on your wedding reception hall 12 months prior to your wedding date and then it burns to the ground a few weeks before the big day. With wedding insurance, you'll be sure to get your deposit back. But note: Most insurance companies have limitations on how far in advance you can purchase insurance.
What Does Wedding Insurance Cover?
Problems with the site, weather, vendors, key people, sickness or injury are the top concerns come wedding day. There's usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan.
Site: Check to see if your ceremony and reception site is already insured. If it's not, wedding insurance can cover the cost arising out of unavoidable cancellation such as damage or inaccessibility to the ceremony site—if your reception hall is unable to honor your reservation because it has burned in a fire, experienced an electrical outage or just plain closed down. Sometimes this policy covers the rehearsal dinner site too.
Weather: Any weather conditions which prevent the bride, groom, any relative whose presence at the wedding is essential or the majority of the guests from reaching the premises where the wedding is to take place. Insurance covers rescheduling the wedding and all the details involved, including ceremony flowers, tent rental and reception food.
Vendor no-show: What if essential wedding people—the caterer or the officiant, for example—fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.
Sickness or injury: Wedding insurance may also include sickness or injury to the bride, groom or anyone essential to the wedding.
Military or job: It's true, military personnel may be shipped out at a moment's notice. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty. This can also apply to a last-minute corporate move, like the bride's company suddenly relocating her to another city.
Wedding Insurance Doesn't Cover...
A change of heart. In other words, cold feet don't count.
Watches, jewelry or semiprecious gemstones or pearls (even if they are attached to clothing) may not be covered.
While your wedding rings may be covered by the policy, your engagement ring probably will not.
Additional Coverage
Couples can take out supplemental policies to defend against damages incurred by other wedding-related items such as photography, videography and gifts.
Photography: Some policies pay to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen or not properly developed. Some policies will pay to restage the event with the principal participants so that pictures can be retaken. A policy may also pay costs for rehiring a photographer and buying a new wedding cake and new flowers.
Videographer: When a videotape produced by a professional videographer is damaged (he or she used faulty materials, for example), a policy usually pays a certain amount to have either a video montage created, a video compilation made of the photographs and other wedding memorabilia, or, if possible, a retaking of the official video at a restaging.
Gifts: Whether they're mailed to your home or handed to you on your wedding day, valuable items like gifts are something else you might want to consider insuring. Think about a party crasher lifting unattended presents from your reception. Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen or damaged. A police report is usually required for stolen gifts. The damage or theft generally has to take place within a limited time period (ranging from 24 hours to 7 days, depending on the specific policy) before or after the wedding, in order to be covered.
Attire: This coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen or damaged (including financial failure of the bridal store). Special attire usually includes the clothing and accessories bought or rented that are to be worn by the bride, groom and attendants at the ceremony.
Personal liability: Personal liability covers bodily injury or property damage caused by an accident that occurs during the course of the wedding (your best man trips and falls on his way up to the mic to roast you, or Uncle Dennis suffers a Harvey Wallbanger wall banger).
Medical coverage: This covers reasonable medical expenses (up to the policy's limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability.
Honeymoon: Your honeymoon can cost as much as a new car. But before buying travel insurance to protect your investment, see if your credit card and/or homeowner's policy covers you if your luggage gets lifted, your trip is delayed or you have to cancel. If not, you can a buy separate, trip-only policy. Call your insurer, or ask your travel agent for details. Also, certain wedding insurance packages include optional travel insurance for your honeymoon.
Things to Consider
Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent—and have him or her explain the nuts and bolts to you. You want to make sure you understand every detail of your policy.
What Is Wedding Insurance?
Basically, wedding insurance protects a couple's investment from circumstances beyond their control, and reimburses expenses incurred. For example, what if your limo driver doesn't show up and you have to book another one the morning of the wedding—for three times the price? Or what if the groom's custom-made tuxedo is lost in airport baggage, and he has to buy a new one the day before the wedding? What if your reception space goes out of business a month before the wedding, and you lose your deposit and have to book another space? These are the types of wedding day financial losses that wedding insurance can help to protect.
Why Get Wedding Insurance?
Consider these scenarios:
Janet and Dan spend months planning their winter wedding. But on the wedding day, their reception site is made inaccessible by an ice storm. With the right wedding insurance policy, the couple can postpone their wedding and receive every penny they lost (less the deductible)—including money for the invites, cake, catering, attire and nonrefundable deposits for ceremony musicians, a floral designer and other vendors.
The bride's father is injured in a car accident just before the wedding and cannot travel. If the couple has to postpone their wedding, with wedding insurance they could be paid back their expenses to enable them to have the wedding when the father recovers.
Right before the ceremony, Brittany's gown catches a gust of wind. Unfortunately, the tulle dances right over to the end of Uncle Howard's cigar and the dress instantly goes up in flames. Fortunately, the right insurance policy covers the replacement of the veil and gown.
How Much Does Wedding Insurance Cost?
A basic insurance policy that covers loss of photos, videos, attire, presents, rings and deposits usually costs anywhere between $155 and $550, depending on the amount of coverage you want. General liability insurance, which covers up to $1,000,000 for accidents, costs around $185. But, good news! You can also get free wedding insurance (yes, free!) if you book your wedding venue through The Knot Venue Concierge, where $27,000 in free wedding insurance coverage is included in the policy.
Do You Really Need Wedding Insurance?
Before you buy wedding insurance, check with your each of your vendors to see how well they're covered—your reception site or your caterer may already have their own insurance, so you wouldn't want to pay for overlapping coverage out of your own pocket. Ask your vendors for a copy of their policy, and then figure out where you aren't fully covered.
When Should You Get Wedding Insurance?
The sooner the better. Let's say you put a deposit on your wedding reception hall 12 months prior to your wedding date and then it burns to the ground a few weeks before the big day. With wedding insurance, you'll be sure to get your deposit back. But note: Most insurance companies have limitations on how far in advance you can purchase insurance.
What Does Wedding Insurance Cover?
Problems with the site, weather, vendors, key people, sickness or injury are the top concerns come wedding day. There's usually a specified maximum amount, which can be claimed under each section, and a deductible also applies. Be sure to find out the details of your insurance plan.
Site: Check to see if your ceremony and reception site is already insured. If it's not, wedding insurance can cover the cost arising out of unavoidable cancellation such as damage or inaccessibility to the ceremony site—if your reception hall is unable to honor your reservation because it has burned in a fire, experienced an electrical outage or just plain closed down. Sometimes this policy covers the rehearsal dinner site too.
Weather: Any weather conditions which prevent the bride, groom, any relative whose presence at the wedding is essential or the majority of the guests from reaching the premises where the wedding is to take place. Insurance covers rescheduling the wedding and all the details involved, including ceremony flowers, tent rental and reception food.
Vendor no-show: What if essential wedding people—the caterer or the officiant, for example—fail to show up? A wedding insurance policy usually covers cancellation or postponement of the wedding for these reasons.
Sickness or injury: Wedding insurance may also include sickness or injury to the bride, groom or anyone essential to the wedding.
Military or job: It's true, military personnel may be shipped out at a moment's notice. Wedding insurance can cover postponement of the wedding due to the bride or groom suddenly getting called to military duty. This can also apply to a last-minute corporate move, like the bride's company suddenly relocating her to another city.
Wedding Insurance Doesn't Cover...
A change of heart. In other words, cold feet don't count.
Watches, jewelry or semiprecious gemstones or pearls (even if they are attached to clothing) may not be covered.
While your wedding rings may be covered by the policy, your engagement ring probably will not.
Additional Coverage
Couples can take out supplemental policies to defend against damages incurred by other wedding-related items such as photography, videography and gifts.
Photography: Some policies pay to retake the photographs after the fact if the photographer fails to appear or the original negatives are lost, damaged, stolen or not properly developed. Some policies will pay to restage the event with the principal participants so that pictures can be retaken. A policy may also pay costs for rehiring a photographer and buying a new wedding cake and new flowers.
Videographer: When a videotape produced by a professional videographer is damaged (he or she used faulty materials, for example), a policy usually pays a certain amount to have either a video montage created, a video compilation made of the photographs and other wedding memorabilia, or, if possible, a retaking of the official video at a restaging.
Gifts: Whether they're mailed to your home or handed to you on your wedding day, valuable items like gifts are something else you might want to consider insuring. Think about a party crasher lifting unattended presents from your reception. Gift coverage pays to repair or replace non-monetary gifts that are lost, stolen or damaged. A police report is usually required for stolen gifts. The damage or theft generally has to take place within a limited time period (ranging from 24 hours to 7 days, depending on the specific policy) before or after the wedding, in order to be covered.
Attire: This coverage pays to repair or replace the bridal gown or other special attire when it is in your possession and is lost, stolen or damaged (including financial failure of the bridal store). Special attire usually includes the clothing and accessories bought or rented that are to be worn by the bride, groom and attendants at the ceremony.
Personal liability: Personal liability covers bodily injury or property damage caused by an accident that occurs during the course of the wedding (your best man trips and falls on his way up to the mic to roast you, or Uncle Dennis suffers a Harvey Wallbanger wall banger).
Medical coverage: This covers reasonable medical expenses (up to the policy's limits) for each person who is injured during the covered events from a cause of loss, which would be covered by your personal liability.
Honeymoon: Your honeymoon can cost as much as a new car. But before buying travel insurance to protect your investment, see if your credit card and/or homeowner's policy covers you if your luggage gets lifted, your trip is delayed or you have to cancel. If not, you can a buy separate, trip-only policy. Call your insurer, or ask your travel agent for details. Also, certain wedding insurance packages include optional travel insurance for your honeymoon.
Things to Consider
Every insurance policy and every wedding scenario is different. Be sure to talk to your insurance agent—and have him or her explain the nuts and bolts to you. You want to make sure you understand every detail of your policy.
All You Need To Know About Auto-Insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
How to Choose the Right Type of Life Insurance
Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options.
You should consider term life insurance if:
You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid off in a specified time period, buy a term policy for that period.
You need a large amount of life insurance, but have a limited budget. In general, this type of insurance pays only if you die during the term of the policy, so the rate per thousand of death benefit is lower than for permanent forms of life insurance. If you are still alive at the end of the term, coverage stops unless the policy is renewed or a new one bought. Unlike permanent insurance, you will not typically build equity in the form of cash savings.
If you think your financial needs may change, you may also want to look into “convertible” term policies. These allow you to convert to permanent insurance without a medical examination in exchange for higher premiums.
Keep in mind that premiums are lowest when you are young and increase upon renewal as you age. Some term insurance policies can be renewed when the policy ends, but the premium will generally increase. Some policies require a medical examination at renewal to qualify for the lowest rates.
You should consider permanent life insurance if:
You need life insurance for as long as you live. A permanent policy pays a death benefit whether you die tomorrow or live to be over 100.
You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes. The savings element can be used to pay premiums to keep the life insurance in force if you can’t pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even if your credit is shaky. The death benefit is collateral for the loan, and if you die before it’s repaid, the insurance company collects what is due the company before determining what’s goes to your beneficiary.
Keep in mind that premiums for permanent policies are generally higher than for term insurance. However, the premium in a permanent policy remains the same no matter how old you are, while term can go up substantially every time you renew it.
There are a number of different types of permanent insurance policies, such as whole (ordinary) life, universal life, variable life, and variable/universal life. For more details, see our articles on the specific types of policies.
If you think your financial needs may change, you may also want to look into “convertible” term policies. These allow you to convert to permanent insurance without a medical examination in exchange for higher premiums.
Keep in mind that premiums are lowest when you are young and increase upon renewal as you age. Some term insurance policies can be renewed when the policy ends, but the premium will generally increase. Some policies require a medical examination at renewal to qualify for the lowest rates.
You should consider permanent life insurance if:
You need life insurance for as long as you live. A permanent policy pays a death benefit whether you die tomorrow or live to be over 100.
You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes. The savings element can be used to pay premiums to keep the life insurance in force if you can’t pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even if your credit is shaky. The death benefit is collateral for the loan, and if you die before it’s repaid, the insurance company collects what is due the company before determining what’s goes to your beneficiary.
Keep in mind that premiums for permanent policies are generally higher than for term insurance. However, the premium in a permanent policy remains the same no matter how old you are, while term can go up substantially every time you renew it.
There are a number of different types of permanent insurance policies, such as whole (ordinary) life, universal life, variable life, and variable/universal life. For more details, see our articles on the specific types of policies.
Tuesday, 13 September 2016
Videoe+Photos: Can A Girl Or Has A Girl Ever Beaten You Like This Before, Share?
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