Your Deductible is the amount you can expect to pay for a loss before your rental insurance policy takes over any cost for you. When you are choosing your deductible, which can be from $100.00 and up, take into consideration the dollar amount you figure for your possessions.
Once you have that figure calculated add a bit more for extra’s. A good way to start this, is to plan out a well detailed inventory list, and while you are doing this list be sure to add to it any receipts, id numbers etc and a little more for things you’ve forgotten or under-priced
Your Actual Cash Vale or Replacement cost is also considered when choosing your policy. Some insurance companies will reimburse you either way but considering that somethings depreciate in value you will be in a better position to go with replacement verses actual cash.
If your total dwelling is destroyed you may want to look into Total Cash Coverage. This is also where your inventory list you have kept in a safe place will come very handy to you. This will cover you for the total amount of renter’s insurance.
Some renter’s insurance Premiums are paid annually, while other companies allow you to pay quarterly or even monthly.
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To drive in snow and ice can be dangerous and one of the most driving perils is black ice. Black ice is a term for ice that is transparent and invisible. Normally you will not know you are on it until you are just a short distance away. If you see cars ahead of you suddenly swerve for no apparent reason, black ice can be the cause.Understanding how to drive on this hazard in the road is very important for you and other drivers that may be around you.
Black Ice is a glaze that forms on the surface of a road, sidewalk and driveways at just about the freezing point. I usually occurs from a light freezing rain, refreezing of snow or water on the surface. It is clear and not easy to detect in advance and can form from the heat of tires on the road.
The most common times of formation is at night or early morning when the temps are lower or on a cloudy day. Look for this along tree lined roads, tunnels and roads that do not have much traffic. It can also be found on bridges and overpasses from the cold air cooling both over and under the bridge or overpass.
In the right conditions you may be able to see the black ice before you head onto it. It is very smooth and sometimes glossy. Watch the road and if you see a change in the color of a patch ahead of you slow down and proceed with caution.
If you have ever hydroplaned on a wet road, this is close to what your experience would be on black ice. Just like most kids learning to drive, many were taught by mom and dad in a big empty parking lot. It would not be a bad idea to find one that has the black ice so you could practice braking, and driving your way through to understand what it is like. If you know someone that is familiar with driving, even better to take them with you. Get to know how your vehicle will react in this situation and doing this in a controlled environment is much safer then finding out when you are with other cars around you.
If you come upon Black Ice stay calm and turn on your hazard lights if you can. Try to let you vehicle pass over the ice and do not hit the brakes. Try to keep the steering wheel as straight as possible very gently. Don’t struggle against the steering if you feel the back of your vehicle fishtailing, going left to right turn the wheel in the same direction as the fishtail so that you do not skid or spin out.
Look for an empty field, soft snowbank or a yard if you can slowly steer you vehicle into that. Remember do not hit the brakes.
Winter on the road can be hazardous, drive slower then usual on heavy snow days or in freezing weather with your eyes peeled for black ice.
Tis the Season For Giving: Letters to Santa Answered with the USPS Operation Santa Program Be An ElfPosted: December 5, 2017
You can help a child in need by participating in the USPS Operation Santa Program and Be An Elf. From December 1st to just a few days before Christmas the USPS Operation Santa Program offers letters to the public written by children from low income households. This could be for clothes, toys, food and more. You choose a letter, buy and wrap the gift and mail it to the child.
There are currently 15 Post Offices participating – Here is the list of locations to see if one is near you…
If there is not a location near you, you can still help and Be An Elf.. Find out Here
This amazing Operation Santa program was started by the US Postal Service™ in 1912 and has never missed a year of spreading good will and kindness to make many children happy on Christmas.
Here is the link to the website for more information on how this works.
(BeAnElf is not affiliated with the USPS and depends on support of donations)
Chef John from Food Wishes has put together a delicious recipe for a Crispy Honey Glazed Holiday Ham that you can serve anytime but would be perfect for Christmas Eve or Christmas Dinner. He makes a mixture of brown sugar, honey, mustard and more to glaze the ham with lots of flavor. He also has a few other tricks up his sleeve to make this the ham even more delectable, see that on the video!
For the recipe go to Crispy Honey-Glazed Ham – Looks, Tastes, and Sounds Like the Holidays
Thanks Chef John great job … Happy Holidays
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