Renters Insurance Policy – How to Protect Your Things

If you are one of millions of renters, a renters insurance policy is a great way to protect your possessions. It’s strange that not many people take advantage of this terrific policy type because it is very inexpensive and it provides excellent coverage limits for the things that renters own. It’s estimated that only 20% of all people who currently rent have a renters policy. This article discusses why it’s so good to have coverage and the best way to choose coverage limits.On average, a policy will run you about $10 a month. For this nominal amount of money, you will receive coverage for all of the things that you own, and are being stored in your place of residence. A $10 a month premium will get you a coverage amount of about $25,000. Compared to other types of insurance, this is a great value.In order to protect your things properly, make sure to figure out what the full replacement value of all your things are. In other words, don’t insure your stuff for the amount that you bought the items for. Figure out how much it would cost to replace the items today and whatever the total is, opt for that amount of coverage. If you need more coverage than $25,000, you can add coverage for not much more per month.Lastly, if you have items that are very valuable, like artwork or jewelry, you should probably look into getting a separate policy to cover them. Most renters policies are not the best insurance option for very expensive things.

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Fragrances – A Simple Way to Change the Atmosphere of Your Home and Relationships

Scented oils and perfumes have found a central role in our daily lives – from showering and getting dressed to scenting a home or feeling sexy. Fragrances are everywhere for very specific reasons in our lives and it is the use of these fragrances that creates a warm, inviting home for our family and strengthens the relationship between husband and wife.Just as certain scents can invoke pleasant memories and feelings inside us, they can also do the same for our family in our homes. Using a candle in home is not just for scenting the air, but for putting a smile on a child’s face when they come home from school, setting a warm feeling for relatives when they arrive from out of town, or making your spouse feel instantly de-stressed by walking through the door and smelling something soothing. The particular scent of choice can range from simple vanilla to the spices of a warm apple pie. The important part is that the scent creates for your family and whoever enters your home a haven from the outside world.By using fragrances in your home you are also setting the stage for not only connecting to past memories but creating new ones for you and your children. If children grown up in a home fragrance with cinnamon then that scent will probably become a “comfort trigger.” Then, when they are older the smell of cinnamon will remind them of home and family, and hopefully make them feel more comfortable.Fragrances in the home not only make a happier home environment for the whole family, but can actually strengthen the relationship between husband and wife. The key is that you find a scent or variety of scents that makes you feel happen and makes you feel happy and makes your spouse feel the same when around you. For instance, if you are constantly wearing a particular perfume that your spouse has doesn’t care for, then he or she is not going to want to be close to you and be as attracted to you. However, when you pick out a fragrance with both of your preferences in mind, you create a friendlier, more romantic connection that has staggering effects on the intimacy of your daily relationship. Your spouse may begin to feel more attracted to you boosting your self-worth and he or she may also begin to open up more about their feelings and frustrations.As you choose the right scent for your home, family, and for yourself, you and your family become more positive about life, connect to and create fulfilling memories with each other, and become increasingly closer to your spouse.