Key things to know about burial insurance

Key things to know about burial insurance
Planning one’s own funeral can be challenging and very uncomfortable. Yet, preparing financially for this inevitable event is essential. It alleviates the burden on one’s family and adds to their peace of mind. Getting a burial insurance policy is one way to meet the costs associated with the funeral, burial, and other end-of-life expenses. Read on to learn about the types of burial insurance, the coverages included, and the factors to consider when signing up. Types of burial insurance There are three popular types of this insurance plan: Simplified issue life insurance Individuals do not need to appear for a detailed health examination when applying for this plan. However, they would still need to answer a few health-related questions. The insurance company may not accept one’s application if they have pre-existing health issues or participate in high-risk activities that could be life-threatening. Still, this insurance type is sought-after because of swift approvals and relatively higher coverage amounts. Guaranteed issue life insurance This plan neither requires applicants to answer health-related questions nor appear for a health examination. If the applicant is between 50 and 85, they will likely be approved. However, this policy has a waiting period. Beneficiaries may not receive the full sum assured if the insured passes away due to natural causes during this period.

7 mistakes to avoid when renting out a vacation home

7 mistakes to avoid when renting out a vacation home
Owning a vacation home is a luxury that can also be a lucrative investment. Many people who own vacation homes let the property pay for itself by renting it out. It’s a great way to earn money, but it can also be slightly tricky, considering one will be letting strangers live in their home. To get the best out of the investment, here are some common mistakes to avoid when renting out a vacation home. Taking on too much responsibility Putting a vacation home up for rent is a lot of work, especially for one person. Outsource the work instead; make use of apps for accounting and apps to fill vacancies to simplify the process. Hire a maintenance crew to clean up after each renter leaves or a property manager to check up on things while the house lies vacant and prepare it for the next renter. Wrong and inflexible pricing Pricing is everything. In a high tourist-traffic area, keeping the prices too high could deter potential renters, while low pricing could send a barrage of queries, which will take ages to sort through. Consider the location, the scope of the property, and, of course, the demand. Events near the home, proximity to seasonal holiday spots and famous landmarks all determine the cost of rent.

6 common window and door maintenance mistakes to avoid

6 common window and door maintenance mistakes to avoid
Maintaining doors and windows should be a routine built into a household’s cleaning plan. With moving parts and constant usage, they bear more brunt than one supposes. As such, they need to be strong, in perfect working conditions, and maintained in a way that extends their life span to the maximum. Here are six common door and window maintenance mistakes that should be avoided to prevent serious problems down the line: 1. Ignoring regular cleaning and maintenance In routine household cleaning and maintenance, door and window repair can sometimes get overlooked. Wiping them down or cleaning the windowpanes regularly, while a good practice, is not enough. Grease, debris, and dirt tend to accumulate in the corners and tracks and can lead to difficulty in smoothly opening and closing the doors and windows. Locking mechanisms, hinges, and rollers, if not lubricated, can wear out faster and make them more challenging to use. A silicone-based lubricant is ideal to keep the moving parts working smoothly. When cleaning wooden doors and window frames, use a soft, non-abrasive cloth with very little warm water. Avoid using too much water to prevent the wood from rotting. For aluminum parts, mild detergent and water can be used.

Top 5 buy now, pay later apps to save money

Top 5 buy now, pay later apps to save money
Buy now, pay later (BNPL) apps help save money. People often use these apps to buy expensive products while paying for them later in smaller installments. Since there are many BNPL apps out there, finding one is easy. However, individuals must pick the right option for the best benefits in the long term. Those who find it hard to decide can consider these five most popular apps to save money. Affirm With numerous BNPL plans, Affirm is a top choice among those looking to save big. Its standard pay-in-four plan with zero interest is particularly popular among shoppers. Aside from this, monthly plans such as three-, six-, 12-, and 60-month repayment plans are also available. All of these have interest rates ranging from 0% to 36% APR. Besides, the app has partnerships with some of the most significant online and offline retailers, which makes it more attractive to consumers. The best part is that one does not have to pay fees to use Affirm! Sezzle Sezzle is great for those looking for BNPL apps that offer flexible payment plans. It lets customers push payments and get two extra weeks to pay back. Moreover, the first reschedule for every order costs practically $0.

Key features of no-fee prepaid debit cards

Key features of no-fee prepaid debit cards
A no-fee prepaid debit card is a type of debit card that provides more advantages than the typical prepaid debit card. The key benefit of this card is that users can load and use their money without paying any fees. Additionally, these cards also help limit one’s spending, thus preventing any potential financial crisis. However, one downside to this card is that some stores and service centers may not accept it. Features of no-fee prepaid debit cards Prepaid debit cards provide users with exclusive access to credit. People owning these cards can repay this used credit within a stipulated amount of time. The workings of a prepaid debit card differ slightly from that of a standard debit card. A normal debit card is used to withdraw money from one’s savings account. On the other hand, prepaid debit cards allow users to load money into their cards through several monetary avenues. Unlike a regular debit card, a prepaid card is not linked with its user’s savings bank account. In that sense, this card functions a lot similar to credit cards issued by banks. Additionally, prepaid debit cards come with several added fees, such as an activation fee, a card loading fee, a monthly fee, a fee for withdrawal from out-of-network ATMs, and a general withdrawal fee.

5 popular types of dog food

5 popular types of dog food
Pets are an important part of most households today, and it’s only natural that dog parents want to serve nothing but the best for their furry friends. But with a variety of dog food options available in the market, it can be difficult to choose the right food for one’s pet. No matter which type of dog food one chooses, one must pick a variant that meets all of their pet’s nutritional needs and preferences. 1. Kibble One of the most affordable choices in the market today, kibble is a widely available and popular type of dog food. The crunchy pellets are manufactured by a process called extrusion and have a long shelf life, making them perfect for pet parents on the move. It is also a great way of keeping the dog’s teeth healthy, as the crunch and bite prevent tartar build-up. Pet parents can find several options in the market with different nutritional formulations and flavors to meet their dog’s specific needs. But one must exercise caution when buying kibble, as certain low-quality products can be packed with fillers, additives, and preservatives that can be unhealthy for dogs. 2. Canned/wet food Wet food is most dogs’ preferred meal.

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9 most common types of depression you should know about

9 most common types of depression you should know about

All of us feel low, upset, and unmotivated at some point in our life, but this isn’t classified as depression. Depression is a mood disorder that overshadows a person’s thoughts, feelings, and actions. Signs and symptoms of this grave disorder can range from feeling hopeless and tired to completely losing the will to live. There are several types of depression and they are listed below so you can understand depression and people suffering from it better. Major Depression (Clinical Depression) The hallmark trait of this type of depression is the constant feeling of sadness or loss of interest in social life or any outside stimuli. It often lasts for two weeks or more in which a person can experience symptoms such as hopelessness, fatigue, and suicidal thoughts. Dysthymia (Persistent Depressive Disorder) Dysthymia lasts for years and can disrupt daily life and interfere with personal and professional relationships. Individuals with dysthymia are often seen as dark, pessimistic, or complainers by others, and they have a hard time being happy in typically pleasant situations. Manic Depression (Bipolar Disorder) People with manic depression experience high degrees of mood swings. Their train of thought can take them from feeling euphoric to feeling suicidal in just a few weeks.
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Simple and practical guide points for expecting parents

Simple and practical guide points for expecting parents

Pregnancy is a new experience in every couple’s life, and one should understand a few things to ensure that the nine months are smooth and stress-free. Simply being prepared for pregnancy and looking forward to the joy of parenthood is not all there’s to childbirth. As a couple, you must understand, review, and adjust your lifestyle. Expecting mothers become their child’s nurturers and supporters from day one, but the expecting fathers, close relatives, and friends must also understand the key roles they will play right up to the due date. Here are a few simple family and pregnancy guide points to help you and your folks get started: Staying healthy Physical and mental wellbeing is extremely crucial for the expecting mother to ensure both her and the baby’s health. Diet plays a crucial role in this process, as the mother is now providing nutrition for the developing fetus as well as herself. As a family, you can take turns to ensure that the to-be mother is staying physically active, eating healthy and regularly, and not cultivating any bad habits. More importantly, family and loved ones should be prepared for the changes to come in the upcoming trimesters. Coping with changes – what to expect Morning sickness in the first trimester is quite common and can put a woman’s body under tremendous stress.
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