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Guidelines for Cheaper Insurance Costs


welcome By: Elena Grace Flores
You might be shopping around for your home and car insurance right now but it is best to know where to look first. Asking the wrong people might mislead you. Just five things to remember:

1. Discounts are not given voluntarily. Do not agree right away on what is offered. Make it a point to ask for promotional offers like the month that they are more likely available.
2. Pay a substantial lump sum to lessen the remaining premiums but first, deal only with insurers that are tried and tested by people you know well. After all, it won’t matter how much discount you got if the claims will not materialize.

3. Do not eliminate disaster coverage just because calamities rarely happen in your area. You never know when they strike!
4. Include substantial liability coverage in your insurance to be able to take care of other people that you cause harm in case of car accident or injured within your property. This will save you from possible lawsuits in the future.

5. Get a renter’s insurance if you do not own the house. You will also be covered with liability and loss of properties in your household.

If you are happy with your existing car insurance, ask the same provider if they have other kinds of insurances that you might need. Often, if you are already a good client, they will try to give you the best options you can avail. It’s smart to do it that way.

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Considerations for Saving on Car Insurance


welcome By: Elena Grace Flores
Timing matters when you buy car insurance. December is more likely to be the cheapest month to buy it because this is when people are perceived to have a lot of things to pay for. Insurers would be lowering prices just to reach their target revenues for the month – at least to pay overhead and end-year bonuses. They have no choice but to design a promotional offer that most people can’t refuse.

It is also observed that local regulations can affect car insurance rates because prices vary from one place to another – despite being issued by a sole insurance company. This is why shopping around for the best insurance coverage with the corresponding good rate is essential. Of course, you may not get the best service when you buy the insurance away from home – but you can avoid the months when your locality is selling expensive car insurances.

Insurance brokers are good sources of information when shopping for attractive car insurance deals. They’re the ones who know if there are promotions offered for outstanding university students, or can refer a company that is selling both home and car insurance to get a loyalty discount and suggest the one providing the highest discount when paying a lump sum upfront. Mind you, you might want to ask them also if being married or getting through a dignified driving school can help in lowering down your car insurance cost.

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Dealing with Maids Resigning before Contract Ends

welcome
By: Elena Grace Flores
Maids or house helpers are also some kind of employees for  the household. On the other hand, they must be treated as part of the family because of the nature of their job. Cleaning, cooking, washing, ironing clothes or tending children are very personal errands. They can have access in the employers’ very discreet possession. That’s is why, they must be given fair compensation and respect. Here’s a good guideline in drafting a contract for a house help:

Contract of Service

By: Ministry of Manpower

Any terms and conditions of employment, in a contract of service, that is less favourable than the relevant provision under the Employment Act is illegal, null and void. The provision in the Act will take precedence over a particular contractual term that is less favourable.  http://www.mom.gov.sg/employment-practices/employment-rights-conditions/contract-of-service-termination/Pages/contracts-of-service-and-termination.aspx


In reality no employer can stop an employee from resigning – but 15 to 30 days notice before the last day of work is necessary to make adjustments – like finding a replacement or settling remaining compensation or balances. Relocating an employee can be expensive and some travel expenses must be charged to the employee if the length of service is not justifiable. This must be compromised however by both parties.

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People who can’t Stop Using Gadgets have PR Problems


welcome
By: Elena Grace Flores
It is a pity being surrounded by lots of people but there’s no one there that you can actually talk to. It is sickening to see individuals busy texting, updating social media or playing games with their gadgets especially smartphones amidst the crowd. Technology can be abused also just like Marijuana or other addictive substances. Self control is essential to continue living a healthy and sane life!

People need to connect with other human beings personally to be normal. If this is not the case, there’s a possibility that one can develop anxiety thus becoming anti-social. Most people who would rather be with his or her gadget is other obsessed with this rare possession or very insecure with the lifestyle of others. Often, the display of technology is meant to overcome these negative feelings.

Discipline is needed when using these gadgets to be fit in mind, heart and body. One should not allow any gadget to take over their lives. They were created to compliment the society’s lifestyle and not to destroy it. Be aware of this trend to avoid waking up one day with no one around in life because of public relations problem- but your gadget!

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