Thursday, December 2, 2021

DesignRulz

DesignRulz

Going traveling? You’ll need more than travel insurance

Posted: 02 Dec 2021 04:39 AM PST

When planning a trip there is more than the basic packing and planning that you will need to consider. It is important to have all your travel papers updated and ready to go. Passports, covid-19 papers, forms of identification, and insurance details. It is always a good idea to have some copies of everything just in case something should happen.
When it comes to insurance that you will need you may already have the correct plans. If not, it would be a good idea to find a decent agent and get them set up. Remember though, that not all policies are created equally. Do your research and find the best plans for you that offer the coverage that you need at a decent price.

1. Travel Insurance-You may think that this is an obvious policy that you will need, but some travelers are not even aware of it. You would assume that if you have a health insurance plan that you would be covered during your travels, but that is not always the case. Many policies will not cover anything outside of the country, and some will not even cover anything on the other side of the same country.

2. Life Insurance-This is a policy that you may already have. If you do, make sure that it will cover you on your travels. If you are not covered, or if you do not have any, then it is a suitable time to upgrade or acquire. You honestly never know what could happen when you are away from home. It is always better to have it if it is ever needed.

3. Income Protection Insurance-This type of policy may be something that you have not even considered in your travels. According to moneysmart.gov this type of insurance will cover up to 85% of your income going back twelve months before you file a claim. If you have coverage through an existing policy, be sure it will cover you while you are moving around. If not, consider getting it because you will want your family to be financially secure if you happen to get ill, injured, or even killed.

4. Total and Permanent Disability (TPD) Insurance-If something should happen while traveling that stops you from returning to work, this policy will give you a lump sum payment. Once again, you may never have to use this monetary amount, and hopefully nothing ever happens to you, but if you need it and do not have it your family and you may have to go through some challenging times.

5. Trauma Insurance-This policy will also pay out a lump sum in cases where you must seek serious medical treatments, such as a stroke. It will cover any out-of-pocket expenses that you had to cover while getting medical care out of your normally covered area. The policy will detail the illnesses that it will cover, so make sure to read it over and add more to it if needed.

Insurance may seem like something that only older people need, or families that need security. The fact is, though, that anyone traveling should investigate the insurance policies discussed. Even if basic coverage amounts are used, you are better off having a portfolio of insurance policies that can cover, or help cover, in the case any mishaps that could happen.
Accidents occur every day to people traveling and vacationing. It is not something that you want to happen, but you never truly know, especially when you are away from home. It is better to always be prepared than to be left in a dilemma that a simple insurance policy would have covered for you.

 

The post Going traveling? You'll need more than travel insurance appeared first on DesignRulz.

Cost-Effective Tips for Maintaining a Warm Home All Winter

Posted: 01 Dec 2021 09:53 PM PST

As homeowners from colder parts of the country can attest, wintertime heating costs can be a beast. Depending on how cold your neck of the woods get, home heating bills are liable to eat up a significant portion of your monthly income. Still, if the only options are spending a ton of money and dealing with an uncomfortably cold home all winter, many people will be inclined to choose the former. However, contrary to popular belief, it's possible to maintain a comfortably warm home without leaving a hole in your finances. Homeowners looking to make this a comfortable and cost-effective winter can benefit from the following pointers.

Patch Holes in Your Roof

Far too many homeowners neglect proper roof maintenance until impossible-to-ignore problems occur. Staying on top of roof maintenance is particularly important for people who live in areas with extreme weather. During the winter months, for example, roofing stands to incur a fair amount of damage from being subjected to constant moisture and buried beneath heavy mounds of snow. Among other problems, moisture and excess weight can result in warping and the formation of holes. If left alone long enough, both of these issues can result in massive roof damage – which stands to compromise the safety of everyone in your home and bleed you dry financially. Holes also provide cold outdoor air with a clear entrance into your home.
To nip roofing issues in the bud, make a point of having your roof professionally inspected at least once a year. A seasoned roofing professional will be able to spot any existing or emerging problems and take care of them in a timely manner. While these inspections may set you back a little, they ultimately stand to save you a fortune in repairs and home heating costs.

Upgrade Your Attic Insulation

Since your attic is the area of your home that's closest to the roof, it's also a prime spot for indoor air to exit and outdoor air to enter. Furthermore, in the absence of proper insulation, quite a bit of warm air stands to escape from your home, thus facilitating the need for your furnace or central heating unit to work extra-hard to account for the constant fluctuations in temperature.
So, if the insulation in your attic has seen better days, there's no time like the present to upgrade. If you have little to no experience working with insulation, it's probably a good idea to leave this task in the hands of a knowledgeable pro. Not only will this help protect you from potential safety issues, it will also ensure that your new insulation is properly installed and therefore maximally effective.

Seal Drafts in Your Windows

You could be losing a significant amount of warm air through your windows without even realizing it. Drafts in windows aren't always readily apparent, so if you're curious about whether your home's windows are plagued by drafts, carefully inspect them one by one. Should you come across any drafts, take care to promptly seal them. Fortunately, when working to seal drafts, you'll have no shortage of affordable options at your disposal. Weatherstripping, foam tape and window film are just a few of the cost-effective tools with which most drafts can be securely sealed.
Additionally, to prevent further warm air loss, consider outfitting your home's windows with thermal curtains. Composed of thick thermal materials, these curtains are highly adept at sealing in warm air and keeping cold air at bay.

Winterize Your Bedroom

To help ensure that you're able to stay nice and toasty throughout the night, you'll need to winterize your bedroom. For starters, this entails investing in cold weather sheets, comforters and sleepwear. In the interest of maximizing your comfort, you may also want to consider upgrading any mattresses that are well past their prime. If you're interested in doing right by the environment, for example, you should look into purchasing a good natural mattress.

You'd be hard-pressed to find a homeowner who relishes wintertime heating costs. If you hail from an area that's known for bitterly cold winters, it's reasonable to expect a noticeable increase in your utility bills throughout the cold weather season. Fortunately, while there's no end-all solution for exorbitant heating costs, there are a number of ways you can make wintertime utilities more affordable.

 

The post Cost-Effective Tips for Maintaining a Warm Home All Winter appeared first on DesignRulz.

How Using Custom Size Air Filter Frames Can Improve a Home’s Interior Design

Posted: 01 Dec 2021 09:47 PM PST

You have just moved into a new place and you have spent hours picking out the perfect furniture and decor. No home would be complete without an HVAC system and no HVAC system would be complete without an air filter. However, one thing you may not have thought of is how your HVAC system will look in your new home.

Some air conditioners have air filters and frames that are visible. The filters on an air conditioner can make the unit look as though it is part of the room's design or they can make it stick out like a sore thumb. It is important to both the functionality of your HVAC system and the look of your interior design that you get air filters that fit your unit perfectly.

Finding Air Filters That Fit

You may think that all HVAC systems come with filters and filter frames. In some cases they do but those filters may not be of the best quality or your system may have visible frames that may not match the aesthetic of your interior decorating and design.

If you live in an older house and have retrofitted an air conditioner to your home, you may have to modify the size of your HVAC unit's filter, which will require new frames. Frames can wear out just like other components of your HVAC system, and they may need to be replaced.

The purpose of an air filter frame is to hold the filter in place. If the filter is not the right size or is dilapidated, the filter may leak, and dirt particles and allergens may get into your home.

Fortunately, there are companies that can make a custom-sized filter that will fit your air conditioner perfectly and look great in your home.


Where should I get custom frames?

When you find a company that sells air filters, you can always inquire as to whether they have a frame that would fit your HVAC system. Just remember to ask them if they have a return policy in case you get them, and they do not fit well or look good.

If you do decide to get a custom frame, you should decide what kind of material you would like the frame to be made of. One of the sturdiest, low maintenance, and best-looking type of filter frame is made from coated paperboard.

You should find a filter company that uses high MERV rating top-quality filters and makes die-cut filter frames.

What is die-cutting?

A die-cutting machine is used to cut shapes into different materials. It uses a system of cutting plates that put weights on a die and push it down onto the material. It works a bit like a cookie-cutter, and the molds will make the material come out perfectly.

Nowadays, they can put the exact measurements of the frame into the computer and create a die from it. Your filter frame will be made with perfect precision.

It is a good idea to make sure that the filter company has the necessary amount of the desired frame material on hand. If they do not, you may have to wait for them to order the material before your frame is made. This can be a major problem if you are building a home or even designing the interior. You should also find a company that can deliver your frames to your door within a few days.

It is the little things that make a house a home. With the right air filter frames, you can have a home that is beautiful and comfortable.

 

The post How Using Custom Size Air Filter Frames Can Improve a Home's Interior Design appeared first on DesignRulz.
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