Category Archives: Living

Types of Life Insurance For Seniors

Most people often assume that Assurance Vie or life insurance for seniors is impossible to get. However, this is further from the truth as seniors aged 60 years and above can get life insurance as easily as everybody else. Obviously, this group of citizens requires more coverage as they are most at risk of adverse health issues. Life insurance in this case would give them some form of comfort knowing that they are covered in case of any eventuality.

Importance Of Life Insurance For Seniors

Although most seniors may have enough savings and resources to meet their needs during their senior life, there are situations where seniors lack the financial ability to take care of themselves. This may be worse for seniors with debts and dependents to take care of. For this reason, life insurance is important as it enables seniors to live a quality life and leave something behind for family and loved ones.

Types Of Insurance For Seniors

While seniors are not categorized into individual classes, some life insurance coverages have age limits. For instance, your local pharmacy may offer you a senior discount once you hit 55 years old. However, some institutions such as the Canadian Pension Plan may not offer some services to seniors unless they’re in their 60s. Luckily, most insurance providers determine eligibility based on specific ages rather than age groups. With this consideration, most agencies don’t provide term life coverage for seniors above 75 years. Such applicants will have to find providers with no age limit. Alternatively, they can purchase permanent coverage. Depending on individual health, seniors are also able to choose between insurance with a medical examination and non-medical insurance products.

The Best Policy For Seniors

There’s no specific life insurance policy that’s best for all seniors because each person has individual needs. Healthy seniors in their 60s can benefit from a fully underwritten term life insurance that they can convert to cover expenses during their old age. In some cases, the insurance funds may be used to take care of the family including children and grandchildren after the beneficiary passes on. in such cases, permanent insurance, such as whole life insurance is the best. However, whole life insurance can be very expensive since you’re covered for your entire lifetime and you may have access to its cash value component in which you can either withdraw funds or borrow against it. Comparatively, if you’re a senior in your 70s, with an underlying condition, you can best benefit from non-medical life insurance coverage as it can cover medical and funeral expenses after you pass on.

Finding the best life insurance for you can be a challenging task especially during your old age. However, reaching out to the right insurance agency is the first step towards ensuring you’re fully covered even in your old age. In addition, proper coverage as a senior will guarantee financial security to your family even after your death.

Ciao! Italian Furniture 101

Would you like to have classic works of art in your home? Pieces that are not only beautiful and timeless, but functional as well?

Italy’s art history inspires the craftsmanship of Italian furniture. From Baroque to Modern, Italian furniture still reflects the style of those eras to the present day. From intricately carved woods, beautifully crafted fabrics, and the use of metals and stone, make classic Italian furniture works of art.

A Brief History

The Italians discovered Greek designs found in Pompeii and Herculaneum’s ruins, which thereby inspired their earliest furniture pieces. The Romans developed a type of folding stool that commoners and government officials alike used. Round tables, designed with curved legs in the shape of animals, had widespread popularity across the realm.

After the fall of the Roman empire, furniture became utilitarian. Basic paneled doors on storage cabinets accompanied plain-featured tables and stools used in the kitchen, evidence in which paintings, sculptures, and manuscripts proved.

Medieval furniture was dark, heavy, and rough. However, the 14th century brought improvements to the manufacturing of furniture. Newly discovered joinery methods enabled more delicate woodworking and the creation of lighter weight pieces.

The Renaissance(rebirth) period brought about a significant transformation of Italian furniture, guided by architectural principles. The wealthy and powerful social class of the time created a demand for housing, thus requiring furniture. Pieces adorned with gilding (gold leaf) were popular, making the piece’s decoration more important than its intended use. Cabinets and paneling displayed colonnades. The fronts of cupboards resembled miniature churches or palaces. But the most significant expression of the Renaissance period manifested in the carving of furniture pieces. Cabinet makers from all over Europe came to Italy to learn from their fellow craftsmen. Because of this, European furniture styles became heavily influenced by Italian furniture designers of the day.

Present Day

Italy has become known for its fine furniture. It provides durability and stability and can fit into any home or lifestyle. Whether you prefer modern or traditional, there will always be a piece to suit your style and taste. Despite its chic, posh appearance, incomparable design, and quality build, Italian furniture is affordable.

If you want your home to reflect its beauty and good taste, consider the purchase of Italian furniture. It is a decision you will be glad you made.

Finding Italian Furniture

If you’re looking for authentic and high-quality Italian furniture, it’s important to first do some research on local retailers. Look for an Italian furniture Montreal retailer that offers a wide range of beautiful Italian furniture options.

4 Reasons Direct Mail Isn’t Dead

In a digital world, it may seem like direct mail is a thing of the past. Many marketers have focused their efforts on email and social media marketing. However, the data shows that direct mail is still effective. In fact, consumer response to direct mail is increasing. Here are 4 reasons direct mail deserves to be part of your marketing strategy.

1. It’s Tangible

Social media ads and emails are quickly scrolled past or deleted. Direct mail can stick around a customer’s home for days or even months. Placing a special offer on your piece will encourage people to save it in a location where they won’t forget about it.

2. It Commands Attention

No one wants to accidentally throw away an important piece of mail. This means that most recipients of your piece will at least scan it before throwing it away. As many as 80% of customers read each piece of real estate direct mail. Your marketing campaigns through email are unlikely to receive the same amount of undivided attention.

3. It’s Trackable

Social media marketing gathers a wealth of analytics. Many marketers rely on this information to gauge success or to adjust their campaigns when they aren’t meeting targets. Direct mail doesn’t have the same depth of data but still allows you to track response rates and return on investment. Use a unique phone number and website URL to track the response rates of each campaign.

4. It Reaches all Ages

Approximately 40% of seniors are smartphone owners. This means that a significant portion of your potential target market is unreachable through digital strategies. Mail reaches everyone, expanding your reach beyond social platforms, and email marketing.

Direct mail may be less common than before the internet, but its impact is still going strong today. If you haven’t considered a direct mail campaign before, hopefully, these 4 reasons have convinced you that it may be worth the effort.

Types of Real Estate Contracts Every Investor Should Know

To be a successful real estate investor, you should become a master of real estate contracts. These legal documents can seem confusing and overwhelming at first. It helps to understand the primary goal of any real estate contract is to protect your investment and limit your liability. Let’s increase your confidence with contracts by breaking down the most common types you’ll encounter.

Purchase Agreement

When learning how to invest in real estate, this will likely be the first type of contract you encounter. This contract is the sales agreement for real estate transactions. It will lay out the terms of sale between the buyer and seller. Purchase agreements change slightly based on the state of purchase or if a real estate agent is involved in the sale. However, a good purchase agreement will cover all the details of the property and the transaction, including any contingencies and which party is responsible for the various costs associated with selling the property.

Lease Agreement

Many real estate investors are looking to earn income through rental properties. If this is part of your investing strategy, you will need to become familiar with lease agreements. As the property owner or landlord, you will outline the terms of rental occupancy in a lease agreement. It should cover rent, security deposit, utilities, and any other expectations for the tenant.

Real Estate Assignment Contract

Slightly more complex than previously discussed contracts, a real estate assignment contract is used when wholesaling properties. This strategy is used when you find a distressed property that you plan to sell to a third party. It provides extra flexibility in your investment while allowing you to secure properties quickly.

You can simplify real estate contracts from their overwhelming state. Now that you have familiarized yourself with the most common types you’ll encounter, you are one step closer to investing mastery.

4 Ways To Add Unusual Decorations to Your Home

If you are one of those individuals that love to decorate your home with unusual and eclectic items, but you are not sure what to look for next, here are some fun ideas. You can easily improve the look of any room in your home with one or two modern and innovative pieces of decor. From lights to fill the darkness to curious wall hangings, these distinct items will keep your home’s visitors talking for days.

1. Glass Art

Check out sand art sculpture disks that are one-of-a-kind works of art if you want to mesmerize your guests. You can choose from ocean views, mountain vistas, or forest seclusions. You can also find glass cinema lightboxes that allow you to change messages anytime the mood strikes you.  Glass globes, flowers, and hearts are also creative ways to decorate your windows to let light scatter in fractals inside your home.

2. Mill Objects

For a mesmerizing and breathtaking work of art, look for an etched panel that uses chemical milling. The large surface areas can be scribed to make unique kitchen back-splashes, focus walls, or numerous other architectural and distinct applications. Smaller designs can be framed or set on desks to catch guest’s eyes and start them asking questions.

3. Wood Features

Wood shelves and tall corner ladders have become popular features over the past decade, but you can take it up a notch and find hand-carved headboards and tree-trunk wall units. Petrified wooden slices and rustic hewn chairs can also add to your home’s individualistic style. Do not forget to add an intricately carved soft-wood object or a barn-hung door to add personality to any room.

4. Light Pieces

From rope candles to tea troughs to prism lights, there is an endless variety of illumination pieces available from specialty stores and artistic shops. You can choose nightlights, main lamps, or decorative lights in a multitude of colors and hues that can brighten your home’s darkest corners. There are also candles that cleanse moods, spirit-focused multi-color diffusers, and salt or gem soul lamps.

When you choose unusual and personal items for your home décor, you can rest assured that your neighbors and friends will probably not have anything like the items. From the beautiful light to the groundbreaking gravity-defying glasswork, you can find objects that delight, comfort, and uplift you in ways few things can. Use the list above to get started on your search for unusual home decorations today.

Remember These Simple Steps Before Trying to Get Out of Mounting Debt

Though credit abounds in many financial sectors and the economy remains vibrant for those with plenty of expendable income, these systems can also lead to financial ruin among those trying to live beyond their means. Countless individuals become mired in debt and monthly expenses without having a full understanding of the circumstances leading to the situation. Fortunately, even the most desperate times can come to a quicker end by taking a few simple steps. The guidelines listed below will set anyone on the best path to financial freedom.

Determine Who Is On Your Side

There are likely multiple paths out of a debt spiral. Depending on a person’s history, current needs, and desired results, it might make sense to look into borrowing options. This will likely include shopping around to find a business capable of providing low interest loans Bordentown NJ or a similar community anywhere else in the country. Start with a search online for those companies with a great reputation for providing reliable cash for a reasonable rate.

Determine Where to Turn for Help

After finding the best immediate response to the pressing problem, it is important to start learning from the experience. Upon making strides to pay down outstanding debt, use the opportunity to reach out for guidance and advice. Some experts in the field offer financial advice that does not require big investments or a thorough understanding of the stock market. For those who just need some practical tips and tricks for establishing a budget that works, the right professional is out there waiting to provide that assistance.

Determine How to Avoid Future Problems

Armed with the knowledge gained throughout this ordeal, people struggling with debt can make sure they avoid similar pitfalls in the future. Unfortunately, there are real and systemic issues that prevent large segments of the population from easily reaching their financial goals. Nevertheless, anyone can make smarter choices that will allow them to make the most of whatever amount is in their bank account.

Paying bills and purchasing necessities can often result in mounting expenses that make any escape seem unattainable. With a resolute spirit and some appropriate advice along the way, however, the light at the end of the tunnel might be closer than it first appeared. If you or someone you know is struggling with bills and expenses, the guidelines presented above can make all the difference in the world.

Why Chimney Cleaning and Inspections are Important

If you have a house with a chimney, it is important that you regularly get it cleaned and inspected. Although you may think that a chimney would be relatively low maintenance, these beautiful and enjoyable architectural features need to be properly cared for. Unfortunately, many homeowners do an insufficient job of taking care of their chimneys.

For example, the capital is home to many houses with fireplaces. Despite this, chimney inspection Washington DC services are only used by a fraction of those homeowners. These are the reasons why getting your chimney inspected and cleaned is so important.

Creosote is Dangerous and Toxic

Sitting by a roaring fire is a lovely experience. However, while the flames are dancing in your fireplace, they are also lining your chimney with creosote. These carbonaceous chemicals are produced by the combustion of wood and other fuels.

Creosote is toxic to humans. It is also potentially flammable, especially when it builds up significantly in the chimney. Fortunately, get your chimney inspected annually and cleaned as necessary can almost completely eliminate the risk.

Debris Can Get Stuck

It isn’t just creosote that lines your chimney. Debris such as leaves and branches can get caught and even block your chimney. The debris can potentially catch fire. While a few leaves lighting on fire is not a problem, a significant build-up can become a major hazard.

Furthermore, if the debris blocks the chimney is can cause the smoke and fumes to escape into your house rather than safety out of the top. This can become very dangerous quickly. Again, inspections and cleanings can avert this problem.

Chimneys Weren’t Built To Last Forever

Just like any other part of your house, your chimney can get worn and damaged. It is common for rainwater to cause cracks in chimneys. Of course, unlike other parts of your house, the inside of your chimney isn’t something you see often. An inspection can identify any damage early so that you can fix it promptly.

Cracks can result in noxious smoke getting into your house. They can also contribute to mildew, mold and drafts. In short, it is a good idea to get them fixed.

Don’t Forget Your Inspection

A chimney can be a lovely feature of your home. However, you need to take care of it. That means having an annual inspection and periodic cleanings and repairs. A little effort can help you enjoy your fireplace and chimney for years to come.

Factors to Consider When Choosing a Hotel

Traveling for many people comes with its fair share of hassles. In between booking flights and figuring out what to pack, finding the right hotel can feel like a difficult task. However, you can stop worrying as this article tells you the most important factors to consider when choosing a hotel.

Location, Location, Location

The value of a good hotel location cannot be underestimated. You will want to find a hotel that is centrally located and close to the city so that you can get around easily. You may also benefit greatly from one that is close to all the sites and attractions you want to visit, thus saving you the risk of getting lost in a new town and losing valuable time. However, if you would rather not be in the middle of a noisy city, then looking for a hotel away from a city or town is also an option.

Price

Money and budgeting are important factors to consider when traveling. You should look at different hotels within your budget and compare their prices to find establishments that provide the best value for money. If it is possible to have flexible travel dates, then choose the off-peak season as hotels are relatively cheaper and more accommodating during low seasons.

Facilities

The facilities the hotel offers should help you figure out whether it is a good fit for you. For instance, do they offer an in-house gym or pool, and are there additional charges for the same? Is the hotel family-friendly, do they provide a wide array of room options to serve both you and your loved ones’ needs? Do they offer complimentary breakfast, or does it come with a fee?  What kind of hotel mattresses are available, and do they offer special accommodation if needed? These questions will help you find a hotel that works for you.

Reviews

Thanks to the internet, you can get a feel of any hotel before you visit it by checking the reviews from others who have previously stayed there. This is a great place to see if the hotel mattresses are really as cozy as they claim to be on the hotel website. It is also a really good avenue to pick up on any other factors that other travelers found important that you maybe hadn’t thought of. In addition to reviews, star ratings are also something to think about as they help you find a reputable hotel that delivers on its promises.

Finding a hotel is all about balancing value for money and convenience. Make sure you select a hotel that fits your budget without compromising too much on quality and delivery of services. Keep in mind, however, that you may not find everything you’re looking for in one hotel.

Make Your Retail Business Handicap Accessible

With more people living longer due to advances in medical technology and healthier lifestyles, your business may see an increase in elderly customers, some of whom will likely have mobility issues. In addition, a significant percentage of the general population is classified as disabled, so you should expect customers with various levels of mobility issues in your store. Depending on the target customer base for your business this can be a primary concern. Making sure your setup will accommodate all customers who want to patronize your business is a great way to support your local community and build goodwill.

Set Up Retail Shelving for Easy Access

In a retail store, how the shelving is organized can have a major impact on how easy it is for a customer with mobility issues to get around. Parallel aisles with wide end spaces are a great way to layout your store. Not only will this make it easier for customers in wheelchairs or mobility scooters to shop up and down the aisles, but it also helps customers quickly find what they are looking for. Be sure to also have prominent displays offering assistance from your staff to retrieve items from high shelves for customers who need assistance with this.

Check Your Entry Door Width

For customers to shop in your store, they first need to enter your store. That means they will need to get through your entry doorway regardless of whether they’re walking on 2 legs, with a cane or walker, in a wheelchair or in a mobility scooter. If you ensure your doorway is wide enough for a common mobility scooter, such as the Invacare Leo 4-Wheel Scooter, it should be wide enough for virtually any customer’s needs.

Ensure Restrooms Are Handicap Friendly

For most businesses, complying with the Americans With Disabilities Act can be very important for avoiding fines levied against your business, and restroom access can be a big part of it. Ensuring your restrooms are appropriately sized and contain elements such has handicap railings will help to ensure compliance with the ADA.

Comply With Handicap Parking Regulations

Check with your local business licensing body for regulations on handicap parking stall requirements for your business to make sure you are in compliance. Providing handicap parking access as close as possible to your business entrance will be appreciated by any customers with mobility issues.

Ensuring your retail business is friendly to handicapped customers is a great way to provide customer service and generate happy customers.

Getting Around NYC on a Tight Schedule

If you are looking for a quick weekend getaway, hopping on a train or taking a quick drive over to the Big Apple won’t be a disappointment. While there is enough to do to keep the lifelong residents busy, you can still take in a lot of the city in 48 hours. Just be prepared to pack light and pick up the pace.

Secure Your Transportation

You could drive around the city, but it will be so much easier to travel by commuter rail, the busses, and your own two feet. You can find just about everything you need in booking a train, finding a bus line, or calling an Uber from Grand Central Station. You will want to go to the station simply for the tourist destination, but you can also secure your transportation there.

Select Your Lodgings

Westgate New York City

When looking for the best experience, check out the Westgate, a jewel of a hotel found close to Grand Central and in the heart of the city. Browse the room types available at https://www.westgateresorts.com/hotels/new-york/midtown-manhattan/westgate-new-york-grand-central/, and depending on your choice, you can have excellent views of the city before you head out on your own.

Stop for Breakfast, Brunch, or Just Because

Don’t tackle the sights of the city without something warm and filling. If you want the best donut in the city, you should start your day at Daily Provision. For lunch, you can’t say you visited New York City without stopping for a pastrami on rye at Katz’s Delicatessen, one of the oldest Jewish delis in the area.

Sightsee to Your Heart’s Content

You need to prioritize your interests in order to get everything in. While the Statue of Liberty is impressive, the security and scheduling to make the trip to the island can ruin your timetable. You can start out at the Top of the Rock and Rockefeller Center where you will find the famed Atlas statue and the directions to St. Patrick’s Cathedral. From there, you can meander towards the Brooklyn Bridge and grab yourself a ride on the East River Ferry. You can walk or ride the train just about everywhere you need, based on your interests.

Save a Seat at a Show

Book a ticket to a Broadway show well in advance of when you plan to take a trip. Shows sell out months in advance, so if you fancy the theatre, save yourself a seat as earlier as possible.

Don’t let a short weekend get in the way of enjoying all NYC has to offer. Get up early, pack your walking shoes, and get ready for an adventure.