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Posts Tagged ‘household insurance’

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Easy ways to keep a bathroom free from germs

Tuesday, September 7th, 2010

It is surprising how much time is spent in the bathroom. The average person can usually put up with a collection of dust under the bed. But a dirty/grimy bathroom is another matter. The bathroom should be cleaned at least once each week and even more if a large family or perhaps even pets are bathed in the family bathroom. Hard earned money is spent on household insurance, and keeping the property clean should be done regularly, this should apply even more so to the bathroom.

In today’s world most bathrooms are made of materials that are easy to keep clean so there should be no excuse. Make it a rule in the home to rinse out the bath or shower straight after use. Spraying some water from the shower head onto all interior surfaces, before lathering soap onto a damp sponge and swishing it around the tub or shower cubicle before finally rinsing does not take long and will help keep on top of  the cleaning. Cast iron or steel baths can be cleaned the same way as an acrylic bath, but only use products recommended and a soft cloth. A good whirlpool or spa model are generally self-draining, but it is still important that the pipe works are cleaned out regularly. If this bath came with the house a good tip is to once a week fill the bath with water and add a cupful of a good cleaning agent, let this circulate for a couple of minutes, then empty the bath, refill with  some clean water, allow this to circulate again for a couple of minutes, empty out and rinse.

A bathroom basin can be cleaned by using an all-purpose bathroom cleaner, followed by a wipe over with a damp cloth. Rinse the plug hole and buff to a shine. The same goes for the taps on the basin. A shower tray is no harder than cleaning the bath, again use an all-purpose bathroom cleaner, if the area of the house is a hard water area, use a lime-scale remover once a week. Cleaning a shower screen can be done much better if using a squidgy. This will help to remove the excess of water from the screen. Each week clean the screen with a solution made up of washing up liquid and use a soft cloth. Do not forget the hinges of the door as these can get really dirty. As for the shower head go either eco friendly and soak it in a solution of half distilled vinegar and half water for a few hours, then rinse thoroughly. Otherwise use a liquid descaler and an old toothbrush, but do a test first to check that the shower head will not get damaged by the chemicals.

Tags: Advice, cleaning tips, Home Insurance, household insurance
Posted in Advice for Tenants, Home Insurance | No Comments »

Negative outlook for a few more years in store for some

Friday, September 3rd, 2010

Homeowners in Huddersfield who find themselves caught in the negative equity trap are looking at a long wait before they will see a profit on their homes. Estate agents in the area have agreed with the figures from the National Housing Federation; who say that those homebuyers who bought when the housing boom was at its peak in 2007 will have to wait at least four years before they turn the corner.

Negative equity occurs when the value of a property falls below the value of the loan that was used to buy it. Independent forecasts show that people who bought at the height of the boom paid an average of £216,800, it is predicted that this average will rise to £226,900 but not until 2014.

This picture is all too familiar to Paul Keighley, who is a partner at an estate agent in Huddersfield. He said “People in Huddersfield are in a similar situation. Anybody who bought at the peak in 2007 saw a 15% or 20% drop, so for them to get back into positive cash flow on their property it could take that long. It’s difficult to put a definite figure on how many people in the area are in that position. There are some good signs in that there are people who are waiting to move and repossessions seem to have slowed. Until the banks start lending to first time buyers at reasonable rates, it will be hard for the market to get going. The situation for those people is a minimum 10% deposit, but add to that legal and survey fees and arrangement fees for the lenders the cost could run into four figures in certain cases.”

The level of borrowing against the value of a house in Huddersfield is less than the national average. A property is not just a home it is also an investment which can be protected by household insurance. The figures which have been released will be dominated by properties in the south which could cause nervousness in some quarters, but in Huddersfield and surrounding areas homeowners look at things long term

Tags: household insurance, negative equity, property market, tenants
Posted in Home Insurance, Saving Money | No Comments »

Give a wall a new look with plaster

Tuesday, August 31st, 2010

Before starting this job clear the room of furniture and any expensive electrical equipment. The job is messy and the materials used could easily cause damage which could result in a claim on household insurance.

Spread plenty of plastic sheets all over the floor of the room. Mix your plaster according to the instructions on the bag, remembering to always add the plaster to the water using a clean bucket. It is vital to mix the water and plaster thoroughly so that the ready plaster will have a thickish, creamy consistency with no lumps. During the warmer months, the plaster can set within minutes, so it is a good idea if you are a novice to only mix an amount that can be used straight away. Another good tip is never add any new plaster to an old mix and do not add extra water to the plaster in an effort to make it more workable.

When the mix is ready, get a trowel full of plaster from the mix and onto the hawk, and then transfer about half the plaster to the trowel. Try to keep the wrist as straight as possible and use a flicking action with the hand holding the hawk to move the plaster from the hawk to the trowel.

Starting at the bottom of the wall, try and use smooth strokes to press the plaster onto the wall. Slowly close the gap between the top edge of the trowel and the wall when moving the tool upwards. Keep the trowel at a slight angle to the wall at the end of each stroke. If the trowel is flat against the wall surface it could easily pull the new plaster away from the wall.

Go over the entire area with the aim of applying a base coat, uneven areas or holes are not important at this point. The coat should be around 2mm thick. Next job is to level and smooth the surface, but only do this when the plaster has hardened slightly. Waiting for the plaster to go off can vary from a couple of minutes during the summer to twenty minutes or more in cold conditions.

Use the trowel at a shallow angle to the wall and go over the entire surface smoothing it out. Leave the plaster to dry for around forty minutes. When it is dry it can be polished. Do this by wetting the face of the trowel and flick water onto the wall. The idea of this is to provide just enough lubrication for the trowel to glide over the surface and fill out any small holes and imperfections. Use sweeping strokes to start and finish with long continuous strokes across the wall. When happy with the finished effect, wash all the tools immediately ready for future use.

Tags: Advice for Tenants, DIY, Home Insurance, household insurance, tenants
Posted in DIY, Home Insurance | No Comments »

3D to cost over 2K

Wednesday, August 25th, 2010

Earlier this year one of the biggest technology events in the world of TV took place. The first 3DTVs went on sale in the United Kingdom.

They had already been on sale in the US and Japan for many months, and as expected the price for a new 3DTV was not cheap. The price of the first 3DTV released cost a huge £1,799 and there are also a lot of other bits of kit needed to get the set up right. For example a pair of 3D glasses for the system cost £150, a 3D Blu-ray DVD player is another £350 and a compatible HDMI cable will cost around £50. At that price it is advisable to inform the household insurance company of the extra contents in the home.

It may well be the future of television in this country, but getting there is not going to be cheap. Sky are showing sport in selective pubs around the country and they hope to have a 3D channel soon. Video gaming is another area where there’ll be a lot of 3D content available in the future, and this is seen by some in the industry as a key driver of 3D TV sales. Forecasts are for only modest sales during the first year but once the content improves and the price comes down, sales will improve.

But it is not all good news for 3DTV after the world’s largest electronics firm highlighted potential dangers the technology may pose to pregnant women, the elderly, children and also anyone with serious medical conditions. The manufacturer warned of an array of possible side effects viewers may suffer. They claim the devices may trigger epileptic fits or cause problems which can range from altered vision, dizziness, sickness, cramps, and even involuntary movements such as eye and muscle twitching. Anyone who has been deprived of sleep or anyone who has been drinking alcohol is also being advised to not watch a 3D television.

The technology was given a boost by blockbuster films such as Avatar and Alice in Wonderland being made in 3D. To view content in 3D, special glasses need to be worn which bombard the eyes and brain with a succession of flashing images that will appear for just a fraction of a second. The technology puts unusual strain on the body, so viewers will need to take regular breaks to prevent suffering from the side effects. Watching television while wearing the 3D glasses for long periods of time can cause headache or fatigue. If this happens it would be a good idea to stop and rest.

Tags: 3D Television, Home Insurance, household insurance
Posted in 3D Television, Contents Insurance, Home Insurance | No Comments »

Toasters help start the working day

Tuesday, August 17th, 2010

Most people love toast, be it white, brown or wholemeal, thousands of people enjoy a nice crisp piece of buttered toast first thing in the morning to kick-start their day. Some stand by the oven watching and waiting for the bread to turn brown, where as others take the easy route and use an electric toaster which turns the power of electricity into heat that can cook the bread.

But how does the electricity that flows into the toaster actually toast the bread? A toaster heats the bread by infrared radiation. The vital component of the toaster is the nichrome wire which is an alloy of nickel and chromium. When looking down inside of the toaster, all that can be seen is a row of wires on each side of the bread. When the electricity runs through the wires, they get very hot and direct their heat towards the bread. Nichrome is not very good at conducing electricity, so when electricity is run through the nichrome wire it gets very hot very quickly. When the toaster is switched on, the wires must never be touched, either with fingers or even more dangerous, a knife. They are very hot and also carry large electric currents that could go through the body, cause electrocution, and in the worst case scenario be fatal. If a piece of bread gets lodged in the toaster it should be removed safely, so always unplug the toaster first. It is not a good idea to leave a toaster unattended, it has been known for them to catch fire which could mean a claim on the household insurance.

Making toast has come a long way since the days of piercing the bread with a stick and heating it over the fire. Most electric toasters now have a function that allows the user to select how long the bread is toasted. When the bread is toasted it will pop out of the toaster automatically and the electricity stops flowing. The shell of the toaster is made of either plastic or metal that does not come into contact with any of the mechanisms that are inside the toaster. This is to keep the toaster cool to the touch yet not lose any of the heat in the toaster. They vary in size and capability but almost every home in the country will have one that can toast two, four or six pieces of bread at a time. Some toasters have wider slots which enable thick bread or bagels and they now include a defrosting capability.

Tags: Advice, Bread, Electric, Electricity, Home Insurance, household insurance, Toast, Toasting
Posted in Advice for Tenants, Electricity, Home Insurance | No Comments »

Bathroom on a budget

Thursday, July 29th, 2010

Almost every homeowner can identify rooms in their house where improvements can be made; unfortunately it is also often the case that the cash to complete the project is not always available. This is often the case when moving in to a new property.

Take my new flat for example, all my savings had gone into the deposit for the mortgage and the small amount I had left went on essentials such as moving costs, i.e. Solicitors fees, removal company and household insurance for the new place. A new bathroom was out of the question but something had to be done. It was a fairly small and basic bathroom when I moved in - it still is, but since then I have made some changes which didn’t cost the earth yet provided me with a workable solution.

The bath tub had those old fashioned hot and cold taps and a tap fitting shower hose that was left by the previous owner, so I replaced them with a shower mixer fitted by a plumber. The plumber first said that he wouldn’t be able to fix the mixer as the bathroom was not built for shower use - he was right, the walls were only tiled up to about 10 inches above the bath tub. So after a bit of thinking I decided to fix it just above the tiles. In that way, you could still take a shower on your knees or sitting down and the water wouldn’t spill outside the tub. This worked brilliantly.

The bathroom has a large window overlooking someone’s back garden and a blind. The window is obscured with some pretty patterns, but I was still not quite comfortable so I fitted a thin curtain. The blind did not look great as it had some mould marks towards the bottom which I could not remove. I found out that the blind was a lot longer than the window length, so instead of buying a new one I cut off the moulded part, trimmed and tucked the end with UHU glue - and it looks as good as new now!

My next project will probably be to make the walls a little more shower friendly so that you can take a shower standing up and more freely. I know that some manufactures make sandblasted glasses for that purpose, which you can fix with products like Unibond or No More Nails. That, to me, seems like a hassle free and aesthetic alternative to tiles! If it worked then I would like to fit a shower rail - then my project would be complete.

Tags: budget, household insurance
Posted in Advice for Tenants, Home Insurance | No Comments »

A cast iron certainty to improve a bathroom

Wednesday, July 28th, 2010

Early plumbing systems for a bath have been documented as far back as far as 3300 BC with the finding of copper water pipes underneath a palace in the Indus Valley Civilization of ancient India. The Roman Empire of over 2000 years ago was famous for its love of bathing. Around 500BC all Roman citizens were encouraged to visit the many public baths on a daily basis. The Romans used marble for the bath tubs with bronze and lead for the pipes, they also created a very complex sewage system for sanitation. In fact the Romans set the bar high for personal hygiene. Bathing was still very popular until shortly after the Renaissance, when it was replaced by the heavy use of sweat bathing and perfume, because it was thought at the time that water may carry disease and infections into the body through the skin.

Cast iron has been used in the manufacture of baths for hundreds of years. A cast iron bath was once very common in the bathroom of a home before being replaced over time by man-made materials. Having a cast iron bath is now very much sought after in bathrooms of home-owners trying to create a contemporary home. Cast iron baths are the original roll top bath, named because of the way the top of the bath curves over. They are similar to a steel bath because they are both immensely strong and very rigid, both are coated with porcelain enamel, and both are very easy to clean and have a long life. The bath is cast from iron in a mould, then after forming the bath shape it is chemically cleaned, this ensures the surface is spotless before applying the enamel coat. A porcelain enamel coating will then be sprayed onto the bath and the entire bath is then fired in a large kiln to give a very strong chemical bond between the enamel and the cast iron.

The bath will not need a cradle or a frame as its strength will allow feet to be cast or bolted onto the body of the iron bath. The feet of the cast iron bath are not normally adjustable because the bath itself is extremely heavy. Because of this, it is important that a cast iron bath is only put on a very solid and level floor. It is very important that checks are made to make sure the floor is strong enough, or the bath may end up in the living room and a claim on the cheap home insurance policy ensues. The clawed foot is one of the most popular types of foot for a cast iron bath. A cast iron bath that has clawed feet is not normally enclosed and is often featured in the middle of the room. This allows the householder to apply some decoration on the underside of the bath and it is possible to get some very attractive designs to highlight the clawed foot bath.

Tags: Advice, Advice for Tenants, Home Insurance, household insurance, Saving Money, tenants
Posted in Advice for Tenants, DIY, Home Insurance, Saving Money | No Comments »

Protect the PC the way you would a house

Thursday, July 22nd, 2010

Not so long ago, access to the internet was via dial-up connection and kettles across the country were switched on as people waited for the screen to display the World Wide Web, it was that bad! In just a few years broadband has arrived making things much faster. Wireless broadband has been another improvement and with it came the wireless router.

Today, a broadband connection is not just limited to serving one computer. A wireless router will make it easy to connect every computer in the home, but if the homeowner is not careful the wireless router can give access to more than just the people it was intended for. No one wants to make a claim on the household insurance because a door or window has been left open. Making sure all the computers are safe, especially the WiFi connection is just as important as locking doors and windows. Wireless sharing is a good way to make the most of a broadband internet connection, it can also raise some security issues, but a properly configured wireless network could actually make all the computers safer, this is due to the router’s built in firewall. Not only can every computer gain access to the internet at the same time, but when a wireless router is set up correctly other devices like printers, PDAs, cameras and internet telephone handsets can also take advantage of the wireless capabilities.

Using a wireless router is definitely the most convenient way of getting the best from broadband. A wired router leaves a trail of chunky Ethernet cables all over the home. It is possible to do without a router and instead use Windows Internet Connection Sharing which can turn one of the computers into an internet gateway. However, by doing this the other computers in the home will only have a constant internet access if the gateway machine is constantly switched on, which to be fair is an expensive waste of electricity and will make a carbon footprint a few sizes bigger. However by installing a WiFi router it would solve all of these problems, and it is very easy to do.

A wireless router creates a network that all of the homes computers can use to access one broadband connection. It may sound complicated, but in reality it is very straightforward. The Wireless routers job is to act as a junction box that will join the network of the home together. The wireless router will connect to the broadband line through a modem, then each of the computers in the home will connect to the router either wirelessly or, maybe if it is in the same place as the router, it will be through one of its wired ports.

For a wired connection, the computer must have an Ethernet adaptor (which most recently released systems will have), built into the motherboard. To connect wirelessly, a computer must have a wireless network adaptor.  If it is a laptop chances are it will have one built in already, if it is an older desktop that is being used they are very easy to add on. The kind of router needed depends on what the broadband connection is and also the existing hardware. If it is a cable modem with an Ethernet port, than this be can used with a new router. If however it is any kind of ADSL modem it is recommended that a router with an ADSL modem built in is used, because it is a lot easier to set up and does not cost much more.

If a wireless network is left unsecured, it will mean that anyone who is within range and who has a WiFi equipped computer would be able to use the broadband line, and have access to the computer and all the files connected to it.  It may seem somewhat unlikely that a hacker will do this, but just bear in mind that ‘bandwidth stealing’ is becoming all too common.

Tags: household insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance, Home Security | No Comments »

A tasty way to start saving the planet

Wednesday, July 21st, 2010

Growing your own food is one of the easiest ways of reducing a carbon footprint. There are not many better feelings than snapping off some leeks, pulling a handful of new potatoes or harvesting green beans from the garden. With money still tight for most people, home gardening is a great way to eat affordable and healthy food, as well as connect with nature and have the joy of watching them grow. Leeks are a very easy vegetable to grow and also one of the mildest tasting vegetables in the onion family. Leeks are known for their long stems and are great when used in soups, stews and casseroles, while lettuce is another easy vegetable to grow, and is very popular with gardeners old and new because within 6 weeks of planting, they can be harvested.

Not since The Good Life was on television has the United Kingdom been planting, sowing and harvesting in such numbers. Many people are very worried about food miles while others want to eat more wholesome organic produce, whatever the reason more and more are choosing to grow their own.  It is not surprising then, that sales of vegetable seeds have now overtaken sales of flowers. An important job of being in the garden more is making sure the home is secure; make sure all doors and windows are secure in case any opportunist thieves are in the area. Also if you bring anything valuable out into the garden with you while working, contact your household insurance company to check theft from the garden is covered on the policy.

The good news is that anyone can grow vegetables. It does not matter how big or small the plot size; it can be a window sill or a massive garden. Many are doing organic gardening as a hobby that helps them relax. The organic garden has increased in popularity over the last few years, and even though organic food is very easy to get at all supermarkets, gardeners would rather do it themselves. Organic gardening is very satisfying and is done with the use of no chemical fertilizers no pesticides and no artificial supplements during the growing process. Making the compost is so much more fulfilling than grabbing a bag of chemical fertilizer. It is simply using up garden and kitchen waste material.  Use potato and other vegetable peelings; add some rose cuttings which will help with the texture.

Organic gardening can give a good sense of pride even if the only space available is a small patch of land. It is even possible to get the children involved in organic gardening, by encouraging them to have an interest in how the food is made. They are sure to have some fun helping with the making of the compost, planting seeds and trying to think up ideas on how to remove any bugs. But most of all, they will love eating all the delicious food that has come from the organic garden. “

Tags: Garden, Garden Insurance, Growing vegetables, Home Insurance, Home Security, household insurance, Saving Money
Posted in Advice for Tenants, Contents Insurance, Garden, Home Insurance, Home Security, Possessions Insurance, Saving Money | No Comments »

Beware the rogue builder

Monday, July 19th, 2010

Finding out that a rogue builder has been hired for a job in the home is a terrible feeling. Months of planning and putting away hard earned cash in readiness for the realisation of a dream, decimated by the actions of a conman.

Thousands of people fall victim to rogue builders every year, they are not just the scourge of households but of the construction industry as well. It is true that they only make up a small minority of those working in the building trade, but that is of no comfort to anyone who falls victim to them. Television shows abound with stories of rogue builders, and not just in the United Kingdom, television shows made in the USA and Canada show the problem is worldwide.

Whatever the job it pays to know how to spot and avoid the nightmare a bad tradesman can bring about. Large building alterations usually mean a large investment, and the dream of a brand new extension or a loft conversion can very quickly turn into a bad dream if a quality contractor to carry out the work is not chosen. Remember this as well, no job is too small for the rogue builder! Even removing a radiator can cause massive problems and if everything that could go wrong, does go wrong, the heating could be down for days, not to mention flooding, which could lead to a claim on the household insurance.

What is the best answer to the question how can I avoid employing poor tradesmen? Spend as much time and energy on finding a tradesman as you can and do not just plump for the first one.  Make sure you get at least three quotes, if there is a big discrepancy in them then ask yourself why before you commit to anything.

The house is probably the most expensive item a person will own and so a trustworthy builder should be top of the list when looking for home improvements. Every builder will tell you the best way to get work is through “word of mouth”. This can also apply to the customer and in this era of information at the click of a mouse there are quite a few websites that list both the builder and a rating from the householder.

A good builder will not knock on the front door and say they are working in the area and have a lorry load of tarmac. If they do, be polite and thank them and ask for a business card with contact details. Good trade’s people are always busy so if a builder says he can start tomorrow the chances are that he has got no other work to do.

A rogue builder will probably only have a mobile phone to be contacted on, and no land line number could be the first sign to set alarm bells ringing. Good tradesmen may work from home but they will not be scared to give their number and address out to potential customers. Rogue builders may suggest that paying them in cash will cut the bill. Yes it will, but it also means that there is no proof that they ever did the job. Always insist on a receipt issued on company headed paper.

Tags: Home Insurance, household insurance, Rogue builders, Saving Money
Posted in DIY, Home Insurance, Saving Money | No Comments »

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