Home Insurance And Hotel Rooms

Your personal possessions will usually be covered as part of your home insurance whilst you’re staying in a hotel. Nevertheless, if your personal belongings are taken from an unlocked hotel room, they will not usually be financially protected by your home insurance plan.

Home insurance can protect your personal belongings from theft or loss at home and even whilst you are staying in a hotel. Some home insurance companies may even protect your personal possessions anywhere in the world. However, if your belongings are taken from an unlocked hotel room, you may find that your insurance policy will not offer you any compensation.

Personal possessions are classed as valuables, money and personal effects which belong to, or for which you or your family are legally responsible and are used mainly for private purposes. This may include personal effects which you wear or carry around with you (including clothes, MP3 players, mobile phones, sports equipment or pedal cycles) or valuables (including costume jewellery, gold, silver or other precious metals, cameras, camcorders and digital cameras, watches, paintings and other works of art). Money may also be protected, but a limit usually applies for cash, credit cards and unspecified articles.

You can take certain precautions whilst staying in a hotel room to prevent theft in the first place. You should always lock your hotel room door, even whilst you are in the room and especially whilst you’re sleeping. You can also use the individual safe in a hotel room, or give your valuables to reception staff at the hotel if your room does not have a safe. You should also not leave any valuables out in plain sight in the hotel room; this is especially true for cash which could be mistaken as a tip for the hotel staff.

If you’re going away for an extended period of time, you may want to consider holiday insurance to protect your belongings more comprehensively. Home insurance can protect your personal belongings up to a point, but it is always better to be fully insured against theft or loss. Your home insurance should be able to protect your precious belongings both at home and whilst you are away – but you should always take as many precautions as possible to prevent theft from happening in the first place. Locking your hotel door is just the first step.

By: → Josie K Anderson

Red Wine Accidents – Financial Cover

During the festive period you’ll enjoy more visitors coming into your home. But with all the guests and merriment there is also an increased risk of damage to your home and furnishings. Your home insurance should protect you financially from accidental damage in your home, however it may not protect you against accidents like spillages.

Christmas is an especially popular time for red wine, mulled with spices and toasty warm. Whilst warm red wine is a wonderful drink to share with friends on a cold winter night, you might find it’s not so forgiving on your furniture. Red wine can leave unsightly stains on carpets or sofas, especially if the stain is not dealt with quickly.

If you do spill red wine, there are few things you can do to minimise the damage:

> Act quickly before the stain dries

> Do not rub the stain; this will only push the stain further into the fabric

> Use a professional upholstery cleaner; follow the instructions carefully and only use one product at a time

If you can’t remove the stain, you may find that your furniture has been damaged forever. Whilst you may want to savour the happy memories of an evening with friends, you may not want to always have a reminder of it on your family sofa or in the middle of the living room carpet. With many home insurance policies you’ll only receive compensation if the damage isn’t your fault (such as damage caused by a storm or burglary). Unfortunately a spillage of red wine is seen as avoidable, and will therefore not usually be covered under your home insurance policy. However, some home insurance policies include accidental damage cover – often as an optional extra – that will protect you against these kind of accidents. It’s worth checking with your provider to see if you’re covered.

Depending on how bad the damage is, the solution might involve using a professional cleaner to remove the stain, or even replacing the item entirely. A professional cleaner will hopefully be able to remove the stain, and restore your soft furnishings to their former glory. You might be able to pull a quick trick and simply turn a sofa cushion over so the stain is hidden, or you may have to replace it entirely. Neither of these options are preferable, so it’s best to avoid damage from red wine in the first place – especially as you may not be covered for spillages on your home insurance.

By: → Josie K Anderson

Some Auctioneers Now Charging Fees to Attend Storage Auctions

The new popularity of storage auctions has brought out new buyers in record numbers. This can be a nightmare for professional auction hunters, auctioneers and storage companies alike. Thanks to shows like Auction Hunters and Storage Wars, events that used to draw just a handful of dedicated bidders are now bringing in dozens or even hundreds of spectators, first-timers and hobbyists.

While not a bad thing on its own, this can cause some issues. Bids can go quite high thanks to newbies overbidding for items, and the profit margins for veteran bidders can diminish. Overcrowded auctions cause problems for auctioneers, too. The more people who show up for an auctions, the more time they’ll need to look at the available units and bid. This makes the auctions last much longer, which ties up an auctioneer’s time and makes auctions less efficient. It can also cause traffic and parking problems for storage units that are not equipped to handle large crowds of people.

In order to combat these problems, some auctioneers have started charging cover fees. People interested in attending the auction would need to sign up in advance; people that didn’t register in advance of the auction would need to pay an entry fee. Of course, this is a lucrative practice for the auctioneer, but it’s not necessarily fair to the bidders.

Fortunately, the practice of charging entry fees for auctions is not widespread, but it is something to consider. When you’re preparing to go to an auction, whether you’re a newcomer or an old veteran, it’s a good idea to scope it out in advance and get an idea of what might be expected of you. There may be limitations on how many people can attend the auction, for example, so you’d need to plan to come early. This type of information will usually be listed online, or you can call the storage facility or auctioneer in advance to ask questions if something is unclear.

If you do happen to find an auction with a cover fee, you need to decide whether it’s worth paying out of pocket for the chance to bid, even if there are no good items, or if you’d rather sit the auction out. Depending on your situation, paying a small fee of $10 or so might not be a major inconvenience; others will choose to avoid all of these auctions on principle. Considering the tight profit margins in this business, any unnecessary expense can be detrimental.

No matter what you do, it’s a good idea to be mindful of your behavior at a storage auction and be self-aware of how you might unconsciously be causing problems for the auctioneer or storage facility. For example, you might want to think twice before bringing family or friends along to spectate. Auctions can be fun, but they shouldn’t be your first choice for family entertainment; people are there to do business, and too many people in the crowd can make that difficult.

By: → Travis Lane

Tedswoodworking 16,000 Plans

If You Want To Build Woodworking Projects Quickly & Easily Then Please Pay Attention To What I Am About To Tell You…
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From the Desk of Ted ‘Woody’ Mcgrath,
Professional Woodworker, Educator, Member of AWI
teds woodworking guarantee
Date: Sunday, February 19, 2012
Re: Woodworking the easy way…
Dear Woodworker
I f you are reading this letter then it is likely that you have a passion. You have a passion for woodworking.
For the most part you would have spent hundreds of dollars or more on woodworking projects. It will take you a lot longer than you thought or you might have quit because you got your measurements all wrong!
I understand your pain because I was once in your shoes! What if I told you that you can get the job done cheaper, faster and without headaches using my woodworking plans…
” Here’s Some Advice That’ll Save You $$$…
On Your Next Woodworking Project… ”
woodworking ideas patterns designs Here’s the BIG problem: Most plans and woodworking magazines are complete garbage.
Why? They skip over many important parts, their diagrams are confusing, unclear, or even wrong and they often skip important parts. No wonder woodworking seemed so hard!
The truth is, I have spent a ton of time looking online and reading magazines. Most of them just left me with more questions than answers.
The Faster & Easier Way To Woodworking!
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Click “PLAY” To
Watch Peter’s Video Testimonial Now :
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Enjoy! Go make sawdust.
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Just to give you a glimpse of what you can expect to see inside TedsWoodworking… here are some screenshots and pictures: (these are reduced image quality for faster web loading)
Easy-To-Follow Instructions:
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Detailed Blueprints & Schematics:
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Listen To Jeff’s Testimonial Below:
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It is simply outstanding and an excellent investment for anyone starting out. I would loved to have had these plans when I was building my first outdoor deck.
Considering the excellent content, the quality of the plans itself, and the bonus software, this package is quite a bargain.
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AWFS Woodworking Association
Lake Ariel, PA
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If you want to learn how to design, draft and build thousands of quality works in wood, this is an excellent opportunity for only $67…
Kevin Roane
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You see, I’ve helped over 50,000 woodworkers and carpenters worldwide, create and complete woodworking projects the easier way. By using all the plans and blueprints — I have helped home owners and establishments alike construct projects at the fraction of the cost they would normally pay!
I Don’t Need To Hear More…
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woodworking videosHow To Build A Bird Feeder With Step-By-Step Instructions (14 videos!)
The 6 Day Outdoor Shed Complete Video Guide Series (9 videos!)
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How To Build Gazebo, Lean-To Sheds & Outdoor Furniture (31 videos!)
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These hi quality premium woodworking videos are worth $77 if I sell this separately but you’ll get free access if you order today!
Time-Limited Bonus #3 :
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This book covers:
how to start a woodworking businessWhat you REALLY need to get started in this business
Marketing your services & what to sell to make money
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And many many more!
With this guide, you’ll learn how to start quickly and operate successfully. ” It covers, in detail, every step of how you can use your woodworking skills to make money without losing that joy.” – And its yours for FREE if you order today!
And to top it all off, I’m going to do something I didn’t originally plan on doing at all.
When I started planning TedsWoodworking, I knew this bonus would be invaluable for all woodworkers. I wanted to sell the next bonus individually for $39.00 but to sweeten this deal, I’m going to give it to you!
Time-Limited Bonus #4 :
“Complete Woodworking Guides” ($39 Value)
woodworking guides tips techniques toolsAs if that’s not enough, you’ll also be glad to know that I’m throwing the Complete Woodworking Carpentry Guides – over 200 pages of woodworking tips and tricks with detailed drawings, diagrams and photos.
Think of this as the foundation for your woodworking plans. There’s no fluff here. It’s 200 pages of solid, step-by-step and straightforward advice that sets you up for your woodworking projects
The guides covers all the bases, from working with hand tools to cutting dovetails.
It includes a discussion of all the principal hardwoods and softwoods, how to use hand tools, detailed information on every woodworking carpentry technique–jointing, bonding, fastening, laminating, and much more.
Remember, these are time-sensitive bonuses that is only available if you order today, so order it now before it’s gone.
” There’s Nothing Else Like
These Plans On The Market Today… ”
That’s a statement I do not take lightly. But as I mentioned earlier, I’ve thoroughly researched the market and all competing products.
Truth is, I’ve been a carpenter for almost 36 years, and I haven’t found anything like this for less than 10’s of thousands of dollars.Here’s the bottom line: If you are planning to start on your woodworking project, this isn’t something you SHOULD use, it’s something that you would be insane not to.
Take a look at this comparison chart…


Books &
16,000 Plans & Projects

Bonus #1: DWG/CAD Software

Bonus #2: 150 Videos Members Area

Bonus #3 How To Start a Woodworking Business

Bonus #4: Woodworking Guides

No Hidden Fees or Extra Charges

Hi Resolution Quality

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Money Back Guarantee

Don’t Say “Yes”. Just Say “Maybe” & Give It
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TedsWoodworking has proven itself to thousands of happy customers and I
proudly stand behind my product. Safely order today with our Iron-Clad Guarantee.
teds woodworking guarantee
I hate seeing the word “guarantee” everywhere. What is it supposed to mean? Just words. Platitudes to get you to buy. So, I’m making you more than just a guarantee. It’s a personal promise to you.
My 60 Days, 100% Satisfaction Guarantee!
I honestly believe this is the most complete woodworking package currently available ANYWHERE else.. I would want the ground to open and swallow me whole if I thought you were disappointed. So here’s the deal…
If, for any reason within 60 Days of purchase of this course you feel that the product is not for you, simply let me know and I will refund every penny of your money with no questions asked. Heck, I’ll even let you keep all the bonuses – on the house!
As you can see, you have nothing to risk here. Download now!
So here’s the bottom line: If you have read this far, you only have one question left…
But Ted, How Much Does This Cost?
How much would you pay to take any and all headaches out of building quality woodwork projects – forever?

Factors involved in a business continuity plan

Business continuity plan is one of the most expensive and time taking plan, which many companies skip to develop as this costs virtually nothing to produce. This plan is beneficial for small companies as it will help them continuing their operations, during or after significant disasters. Business continuity plans are also sometime known as disaster recovery plans. Both documents have their own importance, business continuity plan helps entrepreneurs continue doing their business after the disaster, whereas disaster recovery plan should be oriented towards recovering after a disaster.
Business continuity plan is one of the most important plan that helps entrepreneur to cope up with hurdles comes in between their way, therefore, it is necessary that it should be professionally written without any errors. Following are some steps involved in writing a business continuity plan:
Management team: These are the people without, which you business absolutely cannot function. It is necessary, to make the list of your management team in your business continuity plan, list down their job function; also list down their contact information so that, at the time of emergency you can easily contact them.
Identify who can telecommute: There are many employees in your company who can easily operate your business from a home office. Find and list down their names and information. Make sure that your management team, at the time of emergency, can easily contact them.
Document external contacts: List down all the information about your critical vendors and contractors. This step also includes the list of your attorneys, bankers, investors, IT consultants etc. List all the individuals who can assist with various operational issues.
Identify critical documents: Make sure you have all the legal documents, which are useful in starting a business such as, articles of incorporation, banking information, building lease papers, tax returns, etc.
Identify your contingency location: There are many times when your primary offices are unavailable. You cannot stop operating business at that time. Contingency location is the place from where you conduct your business when your primary offices are under construction or under renovation. It could be a hotel, your contract’s office or your attorney office. Identify your contingency location and map of the location in your business continuity plan.
Communicate: Once you have completed your business continuity plan, make sure that your management team must know about it. You can hold training classes in order to tell them about this important document to your employees.
These are the steps involved in writing business continuity plan. If you are still worried in writing your business continuity plan, order your plan to us at BizPlanCorner.com and we will help you in writing a best quality business continuity plan.