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5 Ways That Insurance Can Save You A Lot Of Trouble

5 Ways That Insurance Can Save You A Lot Of Trouble

The world of insurance can be a confusing place for the first-time buyer. Whether you’re on the hunt for home and contents cover or a robust life insurance plan, the wealth of choice on offer can be a little intimidating. Nevertheless, insurance is an essential part of living, working, driving, travelling, and raising a family.

If you don’t manage risk in the right way, it is easy to end up falling into debt because the unexpected often turns out to be rather costly. Car accidents, burglaries, delayed flights, and lost luggage are situations that we’d rather not think about, but they do happen and you need to have the right protection in place. This guide to the key benefits of investing in insurance will explain why being protected should always be a top priority.

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1. Life Insurance Takes Care Of Your Loved Ones

There are many different types of life insurance available at 65 years and over. These are designed to help your family afford the cost of your burial when you die. While you won’t personally benefit from the money, life insurance is the only way to guarantee that your loved ones won’t be burdened with your debts or the expenses associated with your passing.

2. Fire And Theft Insurance Protects Your Property

Without a robust home insurance plan or a fire and theft policy on your car, you’ll be expected to pay for the cost of the stolen, lost, or damaged items. This is why it is important to protect your most valuable possessions — your car and your house — with coverage that guarantees you a pay out if disaster strikes.

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3. Personal Injury Insurance Gives You Peace Of Mind

This type of coverage is popular with people who have young children. It provides financial protection for a wide range of accidents and injuries. If you do suffer an injury that can be attributed to the avoidable errors of another, a personal injury attorney will help you make a claim and recoup the losses associated with medical bills and missed wages.

4. Travel Insurance Helps You Deal With The Unexpected

There are all kinds of things that can go wrong on holiday. You could lose your luggage, have your flight cancelled, get pickpocketed, or have an accident on the road. The only way to ensure that there are financial resources in place to help you solve whatever crisis you face is to invest in an appropriate holiday insurance policy.

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5. Automotive Insurance Makes You A Legal Driver

Automotive insurance is one of the rare types of coverage that doesn’t give you a choice. It is a legal requirement to have a suitable car insurance policy before you hit the road. If you do not, you can be pulled over and arrested. The downside to car insurance is that, in situations where the cause of a crash is disputed, it can take a long time for any money to be awarded. One solution is to consider whether car accident loans could be a temporary fix.

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Cutout paper chain family with the protection of cupped hands, concept for security and care

    How To Find A Reliable Insurer That You Can Trust

    There is no shortage of insurers out there, so it can be tricky to know which one is right for you. The first step is to decide what type of coverage you need — whether it is home, automotive, holiday, personal injury, etc. Then you can start to browse online for quotes and fees. Sometimes though, the information on their websites can be a bit confusing, so it is much better to call up potential insurers or ask for a call back if you are serious enough. Always read policies very carefully, because this is where you’ll find the specific details about what is and isn’t covered by the plan.

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    Junie Rutkevich

    Game Developer of iXL Digital

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    Last Updated on September 20, 2018

    How to Stay Calm and Cool When You Are Extremely Stressful

    How to Stay Calm and Cool When You Are Extremely Stressful

    Being in a hurry all the time drains your energy. Your work and routine life make you feel overwhelmed. Getting caught up in things beyond your control stresses you out…

    If you’d like to stay calm and cool in stressful situations, put the following 8 steps into practice:

    1. Breathe

    The next time you’re faced with a stressful situation that makes you want to hurry, stop what you’re doing for one minute and perform the following steps:

    • Take five deep breaths in and out (your belly should come forward with each inhale).
    • Imagine all that stress leaving your body with each exhale.
    • Smile. Fake it if you have to. It’s pretty hard to stay grumpy with a goofy grin on your face.

    Feel free to repeat the above steps every few hours at work or home if you need to.

    2. Loosen up

    After your breathing session, perform a quick body scan to identify any areas that are tight or tense. Clenched jaw? Rounded shoulders? Anything else that isn’t at ease?

    Gently touch or massage any of your body parts that are under tension to encourage total relaxation. It might help to imagine you’re in a place that calms you: a beach, hot tub, or nature trail, for example.

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    3. Chew slowly

    Slow down at the dinner table if you want to learn to be patient and lose weight. Shoveling your food down as fast as you can is a surefire way to eat more than you need to (and find yourself with a bellyache).

    Be a mindful eater who pays attention to the taste, texture, and aroma of every dish. Chew slowly while you try to guess all of the ingredients that were used to prepare your dish.

    Chewing slowly will also reduce those dreadful late-night cravings that sneak up on you after work.

    4. Let go

    Cliche as it sounds, it’s very effective.

    The thing that seems like the end of the world right now?

    It’s not. Promise.

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    Stressing and worrying about the situation you’re in won’t do any good because you’re already in it, so just let it go.

    Letting go isn’t easy, so here’s a guide to help you:

    21 Things To Do When You Find It Hard To Let Go

    5. Enjoy the journey

    Focusing on the end result can quickly become exhausting. Chasing a bold, audacious goal that’s going to require a lot of time and patience? Split it into several mini-goals so you’ll have several causes for celebration.

    Stop focusing on the negative thoughts. Giving yourself consistent positive feedback will help you grow patience, stay encouraged, and find more joy in the process of achieving your goals.

    6. Look at the big picture

    The next time you find your stress level skyrocketing, take a deep breath, and ask yourself:

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    Will this matter to me…

    • Next week?
    • Next month?
    • Next year?
    • In 10 years?

    Hint: No, it won’t.

    I bet most of the stuff that stresses you wouldn’t matter the next week, maybe not even the next day.

    Stop agonizing over things you can’t control because you’re only hurting yourself.

    7. Stop demanding perfection of yourself

    You’re not perfect and that’s okay. Show me a person who claims to be perfect and I’ll show you a dirty liar.

    Demanding perfection of yourself (or anybody else) will only stress you out because it just isn’t possible.

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    8. Practice patience every day

    Below are a few easy ways you can practice patience every day, increasing your ability to remain calm and cool in times of stress:

    • The next time you go to the grocery store, get in the longest line.
    • Instead of going through the drive-thru at your bank, go inside.
    • Take a long walk through a secluded park or trail.

    Final thoughts

    Staying calm in stressful situations is possible, all you need is some daily practice.

    Taking deep breaths and eat mindfully are some simple ways to train your brain to be more patient. But changing the way you think of a situation and staying positive are most important in keeping cool whenever you feel overwhelmed and stressful.

    Featured photo credit: Brooke Cagle via unsplash.com

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