Get Affordable Home Insurance in Calgary
There are many reasons to get home insurance in Calgary. First of all, you want to make sure your house, cottage, or tenancy is covered for damage, theft, and flooding. Secondly, you want to know if you are overpaying for home insurance, and if you are, you want to know if you have access to a more affordable insurer. We can help you connect with a live insurance broker who will give you the information you need to insure your house in Calgary. You can also request a quote from at least 10 Canadian home insurers, so you can compare rates.Typical Home Insurance Premiums
Home protection prices are different for rented and owned properties. Tenants insurance for rented homes covers the basic contents of a house and some liability (you may need a separate policy for fine art, wine collections, furs, and other expensive, atypical items). Tenants insurance is often cheaper than homeowners insurance.Homeowners insurance covers the building and its exterior, as well as risks connected to theft, fire, earthquake, etc. Since the value of the building is much higher than the contents of a rented unit, homeowners insurance premiums are significantly higher than are the premiums for tenants insurance.In order to have a broader picture of home insurance rates in Canada, here are statistics of the average home rates in Alberta, Ontario, British Columbia, and Canada. These statistics are provided by InsurEye.In Alberta, monthly house insurance rates are typically $84 for homeowners and $49 for renters.In Ontario, monthly home insurance rates are typically $78 for homeowners and $42 for renters.In British Columbia, monthly home protection rates are typically $85 for homeowners and $47 for renters.Across Canada, monthly home insurance rates are typically $77 for homeowners and $41 for renters.Examples of Calgary Home Insurance Quotes
Home insurance quotes in Calgary depend on the size of a building, its location, and possible risks (like flooding). The following examples of house insurance quotes will help you better understand how much home insurance can potentially cost you:· For a 2,800 square foot, two-storey house in Calgary, in the neighbourhood of Altadore near River Park, expect approximately $98 monthly ($1,176 a year).· For an 850 square foot, two-bedroom condominium on the 12th floor in downtown Calgary, next to Central Memorial Park, the insurance costs are approximately $23 a month ($276 a year).· For a one-storey house in Calgary, in the Mount Pleasant neighbourhood, located close to 4th St NW and the Trans-Canada Highway, the insurance is approximately $62 monthly ($744 a year).Flooding Coverage for Homes in Calgary
Since Calgary often sees flooding, every homeowner should be prepared for the possibility of this risk and should understand the main aspects of home protection and flooding. One thing you should keep in mind is that home protection in the flood-endangered areas of the city is more expensive because of the much higher risk.There are four main types of flooding. It is important to remember that your home insurance policy treats each of them differently:1. Overland flooding occurs as a consequence of water (rain or melting snow) entering your house from the outdoors. Standard insurance in Calgary does not cover expenses from overland flooding. However, some companies do provide coverage for this type of flooding at an additional cost.2. Roof leakage can be covered or not covered, depending on the factors that caused it. If the roof was in poor condition from the beginning, your insurance provider will not cover the damage. Your home insurance will most likely cover damage from a natural cause, like hail.3. Your insurer will cover plumbing issues, only if you comply with the rules in your policy, such as having somebody visit your home while you are not there for extended periods of time (for example, while you are on vacation).4. Sewer backup happens when wastewater is driven back into your house. Traditional home protection does not cover this type of flooding. However, you can always purchase this type of coverage as an addition to your home insurance policy.The Difference Between Condo and Tenants Insurance in Calgary
Owners of condos can purchase homeowners insurance for their condo. The condominium corporation purchases commercial condo insurance. The difference between these two policies is in what part of the condo they cover. The homeowners insurance covers the contents of the condominium. The coverage also includes protection for upgrades, locker contents, third party liability, theft, additional living expenses, and sometimes special insurance assessments.The commercial condominium corporation’s insurance covers the building’s exterior (envelope), together with its infrastructure and common areas.Condo renters in Calgary need tenants insurance to cover the contents of their condos. This type of protection is usually mandatory and is part of the rental contract. In addition to the coverage of contents against theft, fire, and other hazards, the insurance also extends to third party liability and additional living expenses. Living expenses are for the cases when the condo is unlivable (due to earthquake, flood, fire, etc.), so the renter is forced to live in a hotel or rental unit until the condo repairs are complete.10 Ways to Save on Home Insurance in Calgary
Here are a few ways to save on your home coverage. For more savings, get an insurance quote and contact an insurance expert.1. Professional membership. Members of unions or professional organizations can get a discount on their home insurance. Insurance companies, like Meloche Monnex Insurance, also provide their members with insurance policies.2. Hydrant or fire station. If your home is close to one of these things, you can ask for a discount from your insurance provider.3. Discounts for students. Some insurance providers give discounts for students. As for dependent students who live alone, their parent’s home insurance may cover the insurance on their apartment at no additional charge. For example, Desjardins Insurance provides this discount.4. Discounts for graduates. TD Insurance is an example of an insurer that offers discounts for graduates from post-secondary institutions like McGill University or the University of Toronto.5. Quit smoking. Many insurance companies increase home protection premiums for smokers due to the potential fire risk.6. Change your policy. Those with tenant insurance should rethink the size of their coverage – perhaps some things that do not have much value do not need additional coverage.7. Security of your home. Does your home have additional security, like a doorman or security guard? This might get you a discount from your insurance provider.8. Direct insurer. Also called a captive agent, a direct insurer represents one company and can offer their products for a cheaper price when compared to insurance agents or brokers.9. Consumer reviews. Other home insurance consumers often share their experiences of purchasing insurance and making claims. Thanks to these insights, you will be able to avoid unexpected costs and overpayment.10. Compare prices. You can get home insurance quote in Calgary for a cheaper price thanks to the price comparison tools that show you the rates of the same services provided by different insurance companies.
Six Challenges Facing Business Owners
Having spent the last few weeks meeting with and chatting to small business owners around Essex, it became clear that they all seem to face similar challenges on a day-to-day basis.As I expected, they are all time poor and there was an ongoing sense from these company owners or directors that they should be ‘hands on’ and across every facet of their business. But, as they told me, they may know all about their business but sometimes they need expert support and guidance to ensure their company grows and increases profitability.Some of the challenges they faced included:Customers
Customers are at the heart of any business. Without customers and the revenue generated then the business becomes just a good idea. One of the main challenges they faced was how to attract, retain and maximise their customers?For me, the key to winning new business and ensuring customer retention is providing not only great products or services but adding a great customer service experience. A strategy needs to be developed for ensuring this customer growth and maximizing revenues from existing customers.Marketing
Many business owners are not marketing experts and need strategic advice when it comes to developing a business positioning, a marketing plan, a campaign and thinking about the channels they wish to promote their business through.The challenge is to enable the business to tell its story in a way that enables the business to grow and build customer engagement. Bringing an experienced marketer into the business either in-house or as a consultant to help develop this strategy can allow the business owner to focus on what he does best.Time
For many business owners there are simply not enough hours in a day. All owners are stretched for time. Creating more time means sometimes saying no and focussing on what is essential for the success of the business.This is where business owner often seek external advice from a business mentor or consultant to get them to focus on what is critical for the development of the business.Financial Management
It is imperative for a small or medium-sized business to manage their cashflow effectively but sometimes managing the P&L seemed to be the third or fourth ‘order of the day’ for some business owners.Getting good financial advice from a consultant who takes the time to analyse business performance, looks at aged debtors, analyses client profitability and puts effective financial planning measures in place mitigates the risk of the business getting into financial troubles.Profitability
Business Planning seemed to be a bit of an afterthought for some of the business owners I spoke with, they were working more ‘on the fly’. Annual Planning should start a minimum of four months before the end of the financial year and should start with a formal annual budget, understanding the profitability of each client/customer, growth opportunities, business development planning and an analysis of the overheads required to service those clients/customers, market and grow the business, generate a great customer experience as well as delivering a sustainable profit margin.Successful business owners create wealth and grow their business because they understand how to build a culture where sustainable profitability is a given.Processes
Many business owners are not across all the processes involved in running a business so the challenge is to make the processes involved in running a business simpler. This is where an external consultant or expert support can prove highly beneficial.Failure to manage processes such as sales, marketing, business development, building customer loyalty, operational management, HR and employee development can lead to businesses failing. Being stretched across business functions is not the best way for business owners to develop their business.
Know More About the Latest Fashion Trends
Setting a trend is extremely important for any business be it for bags, shoes, jewelry, or clothes. As we all know fashion has been the main part of pop culture and people are connected to it in various ways. Today’ trend is a combination of the fashion in the 1980 and the present day. So many items that were thought of as outdated are now back in trend and you will find every woman in the US sporting at least one item on herself that is a piece of today’s fashion.Dresses are one trend in America that keeps changing rapidly. What you see today will be gone tomorrow. The latest fashion of dresses for the American ladies is the spring blouses which have really caught on this season. You will find most ladies sporting blouses with huge puff sleeves, kimono sleeves, ruching and those with fantastic graphic prints. And the beauty of it is that these blouses can be worn in combination anything like skirts, pants, shorts, jeans etc. and they can even be used with jackets to make it look more official, making this outfit a perfect one for any occasion.Another very common fashion trend in the US this year is the penchant for black and white combinations. Not to mention the fact that this has been a favorite combination of Americans since time immemorial. The advantage of this combination is that it can be used both for daytime as well as night time wear.When considering men’s fashion wear, this year the male cardigan which seems to have been reborn this season, becoming one of the hottest selling items. This too is not a new fashion trend as it had been worn by many well known figures like the comedian Bill Crosby, Simon Amstel who was the British TV presenter, and the reputed rock star Kurt Cobain. But today the male cardigans are worn by both sexes.The other trends that have changed for the guys and the gals is the T-shirt. Today the T-shirt is the in-thing and is considered the benchmark of fashion trends. In fact The T-shirt is said to be the “building block” of the fashion industry of the present day.With ever changing season the trends in fashion also change and everyone buy clothes in keeping with the change. But at the end of the day when you find that you need something really casual to wear; something that is classy at the same time casual; something that will suit your style and your choice of colors; something that can be worn no matter what time of the day it is; then the most evident choice is the T-shirt.Even the t-shirt has been passing through a variety of fashions depending on the moods of the season. They have passed through socio-economic and cultural changes and any which way you look at it are still the hot favorites of men women and children of both sexes too. Adorning a T-shirt make you feel forever young. T-shirts have become of the main parts of fashion and have taken on an extremely stylish appearance too.
How To Get On The First Page Of Google In Less Than 30 Days
If you want to get leads and sales from the internet, you will have to get on the first page of Google.This is because that is where the online battle is fought and won.Statistically, 63% of the most clicks go to the first 5 positions on the first page in Google, with the number 1 spot, taking 42% of the clicks.So being on the first page, can mean the difference between your website’s success or failure.Yet, how do you get on the first page of Google?You first need to understand that Google is in the business to make money.When a person searches for something in Google, Google will do its best to bring up the most relevant, authoritative, and popular results it can. And this way the customer stays happy and keeps coming back to Google.Now, because of this, the websites that are most relevant, authoritative and popular get the first spots.So, this article will show you what to do to get your website to be those 3 things, and motivate Google to put you on the first page for the world to see.RelevanceHow does Google determine relevance? By finding similarities in the keywords the searcher is using, and the keywords and content on your website.This is why keyword research is so important. If you know what keywords your prospects are searching for, you need to add them to your website in strategic places, so that Google can justify the relevance of your website.You see, having a great website is not enough. Google needs to determine that is relative to their audience’s search.So where do you put the keywords?Here are the following areas that Google looks for keywords in order to determine relevance:Most important – Meta tag, H1 title, URL (or at the end of your URL), and in your website content.Less important – Meta keyword tags (Google no, Yahoo and Bing yes), and your alt tags (images).AuthorityUnfortunately, adding keywords to your site is only 10% of the battle. The greatest challenge is having Google consider your site more authoritative than everyone’s else’s site on the internet.This is 90% of the battle everyone on the web are fighting right now.Now, Google judges a site’s authority like most Universities do – it is based on how much your information is cited, quoted or in the case of your website, how many times someone else links to your site.Generally it is based on how many links you have, the quality and authority of the places linking to you, and all of the different places that are linking to you.In terms of:Volume – The more links you have the better.Quality – The higher authority or “page rank” of the places linking to you the better.Diversity – The more different places link to you the better.The good news is, that the more links you can get, the easier it will be to improve your placement in Google. The bad news is, you have put the effort in getting people to link to you.PopularityGoogle has just started to use this as a measure – due to the enormous influence of social media.So Google does look to see how popular your site is on places like Facebook and Twitter. The more mentions you have the more favorable Google will see your site as something they want to show their searchers.Therefore, if you can improve your influence by getting more mentions in Facebook, and more tweets and retweets in Twitter, you will improve your chances at getting on the first page.Now, the $64,000 question is…How can you do all this in less than 30 days?I will show you 4 steps that will give you the best chance at seeing your website on the first page of Google in the next 4 weeks.1. Find low to moderate competitive keywords to optimize your site with.There are many words that have low to moderate competition, yet still get lots of traffic.The most valuable being local keywords. Local keywords are keywords with a city, town etc. next to it (i.e.: locksmith Los Angeles, small business coach orange county, etc.).If you can identify these, and add these to your website, you may be able to get on the first page without any links, in as little as 2 weeks (I had a client do it in 1 and half weeks).To get accurate keyword data, use the Google Keyword Tool.2. Write a blog, or article and submit it to blog and article directories.Blog and article directories are sites that will publish an article you write for free. The best part though, is that if you add a link for your website in your article, it will be counted as a link.What is miraculous is that there are over 500 of these sites you can send your article to – that will publish them, and give you an instant 500 links to your site.3. Turn that same blog or article in to multiple types of media.Did you know that you can convert your blog or article into a press release? Or did you know that you can turn it into a video, RSS feed, classified, Web 2.0 or social media post?Also there are hundreds of places that host press releases, videos, RSS feeds, classified ads, Web 2.0, and social media posts – that will post yours for free.The best part is that if you post your material on these hosting sites, and you add a link to your website – Voila! you create a couple hundred…even thousand more links.4. Use social bookmarking to get Google to count your links quicker.Once you create all of this content throughout the web, the challenge is waiting for Google to crawl or index these sites so that your links can be counted.It can take as long as 3 months for Google to do this, which is too long if you want to start getting customers now.By bookmarking the sites that you post your blog or article to, it sends a signal to the “Google bot” to index that site quicker, helping you get the link credit you deserve.There you have it. By following this formula, you will be able to get your site on the first page of Google in less than 30 days.And if you keep at it, you can go after more competitive keywords, and get on the first page of Google – even the number 1 spot, if you continue and do not give up.
3 Basic Principles of Natural Health Care
Natural health can be maintained and retained if we follow some basic principles of natural health care. These basic principles of natural health care are not difficult or cumbersome to follow but they require a strong will power. These simple principles of natural health care must be adopted before our body looses its healthy status. If we can’t follow these common principles of natural health care now, then it won’t be possible in future especially when some serious illness strikes us.Our modern lifestyle is today the biggest enemy of our health and wellness. Today we have developed a social structure which is unhealthy not only for the society but also for natural health of our body and mind. Three common well-known principles of natural health care are given below which are seldom followed in today’s modern life. These 3 simple looking natural health care principles are actually very powerful and can be responsible for a number of health problems which we may not be aware of.1. Making A Natural Sleeping Pattern for Health Care and Wellness: Sleeping as per the law of nature can have a number of positive effects on our health and wellness. Clock of our body system (or microprocessor) is naturally configured to nature’s clock i.e. at night our body tends to rest or sleep and during the day after sunrise our body is automatically configured to work. Today our unhealthy lifestyle tends to artificially reconfigure this natural clock within the body. Our modern habits of un-natural sleeping patterns are responsible for disturbed sleeps or sleeping disorders to a great extent.2. Avoid Un-natural and Unhealthy Eating Patterns for Health and Wellness: Our eating habits have also changed with time. I’ll not be discussing poor nutrition and poor and unhealthy quality of food that we eat today, in this article. Today we eat food without a natural urge or appetite for eating, we eat because we want to eat or its time to eat or because we need to provide some nutrition/fuel to our body. Even if the quality of food that we eat is best and organically produced, requirement of our body today in modern lifestyle are not same as they used to be. Today eating more doesn’t mean getting healthier but just opposite is true for health and wellness.Today we fill our body engine (body system) with fuel(food/meal) at the time when it isn’t asking for and the fuel that we provide our body system with isn’t the right fuel for its health and wellness. Its like feeding a petrol engine with coal. Thanks God, that our body isn’t an ordinary man made machine but a wonder machine by nature.3. Unnatural Over-protection and Over-comfort Keeps Natural Health Care System at Bay : Today we protect ourself not only from natural but also from society and social activities un-naturally. We exceed our comfort levels from natural to un-natural, the level of comfort that we enjoy today is actually un-comfortable for our body system to work in. This healthy looking and good feeling over-protection has led to under-protection of our natural body system. We are forcing our body to work in dual mode sometimes naturally when we move outside our over-protection cover and un-naturally when we stay within our over-protected comfort zone. This may look lighter but it has a serious consequence on natural health care system within our body. Today our body begs to leave dependence on its natural resistance power and seek modern medical help which gives right treatment not only to our body but also to the soul actually responsible for this under-protected over-protection.These were three basic principles of natural health care, that I’ve discussed here to show how we have ourself willingly compromised simple principles of natural health care to complex lifestyle of risked natural health and wellness.
Purchasing Affordable Health Care Insurance
There are a number of health care insurance providers around you, and the number is still rising. That is why, you, as the primary consumer of such products, are given a vast array of offers, products and rates for medical insurance. Because the economic situation around the world is very upsetting, it would be practical to insure your health, and of course, purchase an affordable medical insurance policy.Almost all governments around the world require employees to be covered by health care insurance policies. Most of these governments also offer subsidies to their constituents who apply for health insurances. Just like any other forms of insurances, medical insurances will also require the applicant to pay premiums, which can be in monthly, quarterly or annual terms, depending on the applicant’s spending power.Securing Affordable Health Care Insurance Is A MustMore people feel that securing affordable health care insurance is a must nowadays, but alas, they also find the task very ardent, tedious and sometimes stressful. The wide options in the market can sometimes lead to further pressure. Everyone wants to save on medical insurance premiums so the ability to find low-cost medical insurance deal would be a great advantage for anyone.Finding an affordable health care insurance does not require great talents. The name of the game would be reliability, resourcefulness and an innate skill to shop and compare prices. Patience would be required. The following is an easy and simple guideline on how you, the budget-conscious buyer of medical care insurance, could successfully secure and buy a low-cost health care insurance policy.• Talk to or ask your trusted health insurance agent or broker. People have their own jobs, and they become experts in their job fields. That is why agents are to be considered experts in medical care insurance policies, it is their job.• Visit the nearest health insurance provider’s office and ask for their rates or quotes. Just make sure that you would get premium rates or quotes from two or more insurers. This way, you could be able to compare prices and pick the cheapest offering.• Visit medical insurance companies’ Websites. This way, you would be able to save on transportation costs and your time would not be wasted. Through online inquiries, you could also easily compare health insurance rates and practically easily select the low-cost health insurance policy you have been looking for.• Check on government health offices and seek advice on discounts and subsidies provided by the government for citizens’ health insurances. Governments’ primary goal is to oversee and protect constituents’ welfare so it follows that they have flexible health insurances to people.You could also seek recommendations, referrals and advice from your friends and peers about their experiences in buying affordable health care insurance policies. Learn from their mistakes and follow their successful practices. Low-cost health insurances are, indeed, must-have nowadays. Health is wealth, but sometimes the inevitable comes. It is better to be prepared for possibilities than be left helpless and empty-handed when health situations come.
What are anti-ligature blinds?
Anti-ligature blinds are becoming increasingly popular in a range of different settings. The way these blinds differ from traditional blinds is that they are designed to prevent suicide by hanging.
Initially, uptake for this type of blind was largely restricted to high-risk environments such as psychiatric hospitals and prisons, where suicide is common. In mental health environments and detention centres, suicide via hanging is common and preventative measures must be implemented. A huge range of objects could be used to create a ligature point, meaning anti-ligature systems are highly important.
Over the years, anti-ligature blinds have been supplied to hospitals, schools, student accommodation and even hotels.
How do they work?
There are a range of different systems on the market, but the most reliable could well be the magnetic anti-ligature system. YewdaleKestrel® products utilise load release magnets which separate when a downward force is exerted on the product. This means that the product falls to the ground safely and prevents suicide via hanging.
The magnetic systems used in Yewdale’s products are highly reliable because magnets don’t lose their strength for hundreds of years, guaranteeing a lifetime of lifesaving functionality.
Anti-ligature blinds usually have a magnetic connection point above the blind’s barrel. The blind is easy to reconnect to the magnetic bracket after it has fallen to the floor.
If you are considering an anti-ligature blind, Yewdale is a highly recommended company. Based in the UK, Yewdale produce a wide range of anti-ligature products, commercial blinds, and healthcare products including hospital cubicle tracks and medical curtains.
Yewdale produce other anti-ligature products too including a soft, lightweight en-suite door and other accessories such as soap dispensers, toilet roll holder, shelves and artwork. You can see the full range on the website using the link below.