When the cold blows down from the north and the land turns white, then the time has come to start enjoying the winter in style. For some people this might mean traveling off to some warm climate and sipping cocktails by the poolside, but for others, it means transforming part of their home into a haven to celebrate winter while basking in the beauty of the outdoors.
You can buy contents insurance, buildings insurance or a combined policy. What you purchase is up to you and here are a few tips to help ensure you are not paying too much. Here is some advice that will help you to purchase insurance with a lower premium, or help to lower your premium the next time you renew your policy. If you do take some of the advice such as installing fire alarms or insulating pipes, then be sure to tell your insurer when you are buying your policy; they will most likely reduce the premium quote if you tell them.
If your Social Security disability claim is denied, don't despair. The Social Security Administration's (SSA's) appeals process is designed to allow you the opportunity to have your claim re-examined. Read on for 4 tips to conquer a disability claim denial.