Blogger BlogNet2671

As most homeowner insurance policies go, mold is one of the few things (along with corrosion, rot, and fungus, etc.) that are generally not covered unless it is the result of something that is covered by the home's insurance policy, such as flood damage and the water caused by a burst pipe.

Insurance policy language is often very specific as to what is covered; "sudden and accidental water bursts" is usually what insurance companies call covered water damage. To increase your protection you can buy an insurance rider, which is an extra aspect or line item in your policy that covers that individual peril.

Fungus and mold have been around for thousands of years and will continue to be for thousands more. As homeowners become more aware of mold related problems the amount of mold claims that have been submitted to insurance companies have increased considerably.

To combat this, insurance companies are increasingly placing language into their policies that is very specific as to what is covered and what is not. In order to protector yourself, make sure you speak with your insurance agent about what is covered in your homeowners policy and what is not. Learn the language in your policy and understand what rights you have.

Someone who owns property should be aware that repairing water damage, cleaning up mold and identifying the coverage aspects of your insurance policy should be done immediately in order to safe guard the property.

Remember, that if you don't have a rider that covers mold or if it's not a result of a covered peril, such as covered water damage, your insurance company will deny your claim.

Mr. Mark Decherd
http://www.dryout.net
Water Damage

Are you a college student? Do you pay rent? Or are you just concerned about your personal possessions? You may feel that you don't own enough to make renter insurance worthwhile, but you might be surprised at how quickly books, CDs, and kitchen appliances can add up. Renters insurance may be exactly what you're looking for and it is able to easily fit into any budget.

Why Would I Want to Buy Renters Insurance?

You are at a great financial risk if you rent your home and do not have renters insurance. It protects you in many ways:

Renters insurance will replace your personal possessions if they are stolen, vandalized, or damaged by natural disasters such as fire, windstorms and hail.

It will also pay for you to live elsewhere if the place you are currently renting is damaged and needs time to be repaired.

Renters insurance also covers you if someone were to be injured while visiting you. What if someone were to slip and sprain their ankle within your home? You may even receive compensation for legal defense costs in case of any legal action against you.

You will also be covered if you were to damage someone else's property. If you were to leave your bath tub running and it dribbles downstairs, damaging your neighbor's couch, you could be responsible for all the damages.

It may also cover other incidents...such as property being stolen from your car, or a suitcase being stolen while on vacation.

How to Find a Policy

Is $10 to $25 a month too much? Renters insurance is very inexpensive, and usually ranges from $100 to $300 a year for $30,000 worth of coverage. The rate will depend on a few things, as well as assumptions (smoke alarms, fire extinguishers).

The location of your residence

The construction of the building you're currently living in

The deductible you have, for lower rates you can raise the deductible. But for more protection, you can pay more for replacement cost coverage, in which reimbursement is based on today's replacement cost rather than original value.

Your decision of whether you wish to receive the actual cash value of your damaged or stolen belongings, or replacement coverage.

Where Would I Get Cheap Renters Insurance?

In order to get the cheapest rate possible, it is important to go to an insurance comparison website where you can compare quotes from different companies. On the best websites for this, you can also speak with insurance professionals live to get the answers you need for all your insurance questions.

Ali Hester is the author of another article on insurance coverage for renters Find more information about Affordable Renters Insurance here at http://renterssite.com

I once bought a perfectly good used car for less than what it now costs to fill up the gas tank! And, it's getting worse every day. I can't afford this - can you? This article is the first in a series of articles designed to show you easy steps you can take - TODAY to improve gas mileage and save money at the pumps.

Improve gas mileage and get a little revenge on all the big business gas companies out there trying to rip you off! Improve gas mileage - right now - and save some of your hard earned bucks that would be better spent in other areas of your life! Improve gas mileage and do your part in the "Green" movement!

In other words, all the tips you can possibly learn about how to improve gas mileage are all actually worth the time and effort they take to read and employ.

They're easy too, for the most part.

There are quite a few tips, tricks and tactics you can employ. They don't have to be difficult or involved. Some very basic and simple concepts can dramatically improve gas mileage.

If you only give just a little thought to what you are doing, amazing strides can be made to improve gas mileage.

One tip that comes to mind is parking your car. Were you aware that gasoline can and does evaporate from your tank? Over time this can mean a substantial decrease in the mileage you get from each tank of gas. To improve gas mileage, be aware of this fact and whenever possible, park in the shade.

Parking in the shade will keep your gas tank cooler and help to slow down the evaporation process and improve gas mileage - right now!

No shade available? In that case, watch HOW you park.

Obviously heat is the culprit here, so park in a way that your gas tank is not towards the sun. Parking with your tank away from the sun will help to cut down a little on the evaporation.

Oh, by the way, by gas tank, I mean the actual physical tank that holds the gas, not the valve area where you plug in the nozzle at the gas pump.

This is a simple tactic that with virtually no effort, we can all employ - immediately.

If you have a couple bucks to spare, a new cap on your gas tank can help slow down the evaporation. Get one that locks to help keep your neighbors honest.

So, to improve gas mileage, here are a couple steps to take. Start first by paying attention to where (in the shade) or what direction (gas tank away from the sun) you park.

There you have it...safe driving.

Feel free to republish this article - and pass it along to your friends - at will as long as the ENTIRE article, including the author bio box remains intact.

Dan Eitreim is a location photographer. With gas prices at record levels and still climbing, he had to find ways of saving money on gas or go out of business. He's created a FREE report showing 54 ways to improve gas mileage and save money. For example, there's a best day of the week to buy gas and one day you should NEVER buy (tips #44 and #47), plus 52 others! To get a copy of the report for yourself - FREE - go to: http://www.TheProSays.com

When you embark on a journey to South Africa, one of the most cosmopolitan places to go that will appeal to everyone's budgets and tastes is most definitely Cape Town. With the soccer World Cup coming to South Africa in 2010, thousands of people worldwide will have their eyes opened to the city and all of South Africa.

With vibrant streets and friendly people you will always feel welcome and at home here. Cape Town is modern and chic with segments of different communities contributing to the unique blend of culture here. You also have the combination of all climates and topography all within very close proximity of each other, so one minute you can be surfing or sun tanning on the glorious beaches and the next you can be breathing in the crisp air as you hike through the Cape vineyards. You will not be disappointed when you come to Cape Town at any time of year.

The different seasons hold splendid sights and experiences that can only be attributed to that specific time of year, so to get a true and overall picture of Cape Town; you need to make more than one trip during different times of year. The weather here is great almost all year round. There are very rainy days in winter and very windy days in summer, but this does not continue for the entire season and most of the time you will have stunning days that are warm and peaceful.

There is so much to see and do here that it is hard to know where to start. If you are new to the country and the Cape, perhaps the best place to start your vacation is in the heart of the Mother City. Here you can visit all the art galleries and museums and by just walking through the streets of Cape Town CBD and the Foreshore you will soon have a pretty good grasp of things. There are streets for the arty and chic, places that are more European with lovely coffee shops and cafes, there are the more earthy, bohemian aspects, areas where the African culture shines, up-market areas, and those that are more down to earth and bustling with the locals. There are craft markets, eateries, as well as interesting, historical places like the tranquil Gardens of Cape Town, Parliament buildings, the President's Residence, the Planetarium, and the Artscape Theatre. You should also make time to go on a tour of the Castle of Good Hope which will be a prominent sight as you travel into the city. This 5-sided castle was once a fort and the tallest building in Cape Town, until the skyscrapers were introduced. The old Town Hall is also great to view and the magnificent architecture is very well preserved and elegant. The Cape Town City library is also housed in this building.

You can also see the most famous of the Cape Town landmarks - Table Mountain. There are regular Cable Car ride up to the top of the flat topped mountain where there are restaurants, shops, walking trails and perfect sunset viewing spots. Weddings and other functions can also be planned up on Table Mountain, but the weather can be of concern during the windy times of year, as the cable car does not ride up due to the strong gusts and the infamous "table cloth" of thick cloud that covers the top. On the other side of Table Mountain sits the botanical gardens of Kirstenbosch which must not be missed.

Moving away from the city center you have a choice of going north or south, east or west. The far south is located along a narrow Peninsula and this is where the historical and seaside towns of Muizenberg, Kalk Bay, and Simon's Town are located. Simon's Town is where the country's naval base is located and offers a quaint Mediterranean vibe. There are lovely old buildings and great naval vessels to see, as well as the firing guns at Lower North Battery which are still in use. You can also go to the 100 year old Jubilee Square where the statue of Just Nuisance, the famous navy dog, stands proudly. From here the marvels of Cape Point are just a short, very pleasant drive away. Here you can see the Chacma Baboons in their natural habitat as well as various antelope and zebra inside the Cape of Good Hope Nature Reserve. There is also an ostrich farm, craft stalls, picnic areas and attractions like Diaz Cross, Da Gama Cross, Cape Point Lighthouse, and the exact point where the two oceans meet - the southeastern most point of the African continent.

If you travel northwards from Cape Town you will get into the hotter northern suburbs and find great places like Durbanville with great wine farms, Tygerburg Zoo, Monkey Town, the Belville Veladrome, and the historical winelands town of Paarl. From here you can move eastward to include other wine areas that make up the longest wine route in the world, like those in Franschhoek and Stellenbosch, with their own unique histories. Along the East Coast you can get to amazing town of Hermanus where the annual Whale Festival is held and the Southern Right Whale migration and breeding is best seen. You should also visit very tip of Africa at Cape Agulhas. If you want to travel along the West Coast of the Cape you will move into the cooler Atlantic Ocean side where the small fishermen type villages still preside with white washed walls and wonderful, untouched natural beauty.

Because South Africa is so off the beaten path for most vacationers - heck it's a 20-hour flight from New York - Cape Town doesn't receive nearly the number of tourists as other vacation hot spots around the world. It's unfortunate because the whole of South Africa is quite amazing. Lisa Jenkins is a freelance writer for FrugalMonkey, a discount travel website with detailed country travel guides. Jenkins lets travelers know what to see and do while in South Africa, including trips to renowned South Africa wineries. The country is expected to receive a major tourism boost thanks to World Cup South Africa coming in 2010.

Currently, there is a high demand online for both travel information and for online ad space from travel related businesses and services. This combination means that travel websites can be great moneymakers for those who build and run them. If that sounds good to you, read on to learn how to build a travel website with freely available tools.

Step 1 - Pick a specific niche in the travel market to target.

You don't want to build a travel website that covers too much territory at once, so to speak. It's much better if you build a site with information on "cheap hostels in Rome", than a site about "European Hotels". By focusing your site on a well defined niche within the travel market, you're more likely to provide the exact information visitors are searching for - which means more traffic and profits for you.

Step 2 - Prepare your travel content.

Travel sites rely heavily on pictures and written descriptions by fellow travelers. This is a good time to pull out your travel photos and prepare them for the web. You'll also want to start writing as much as possible about the places your site will be covering. If you are preparing a travel site on a place you haven't visited yourself, you can always find travel related photos and articles you can use on sites such as EzineArticles and Flickr. Be sure to follow the terms of service of each site before using the content yourself though.

Step 3 - Launch your travel site.

With your content prepared, it's time to get it live online. Sites such as Wordpress.com and Blogger allow you to publish your content online for free quickly and easily. Eventually though, you'll probably want your own domain and hosting but this is a great way to get started. If you can use basic word processing software, you'll have no trouble building your first travel site with these free tools.

Bonus Tip: They key to keeping visitors at your travel site is to make certain your site looks professional. Be sure to use quality web page graphics when designing your travel site. There's an excellent collection of them to check out right now at: http://www.EZBizGraphics.com