6 Steps To Keep An Empty Home Secure And Safe

It is well documented that empty properties are far more susceptible to damage than lived in family homes, both through natural causes and the actions of vandals. By following our 6 simple steps below, the risk of this happening can be substantially decreased, giving you complete peace of mind that your unoccupied property is as protected as possible.

Clear the post
Having letters and promotional flyers hanging out of your letterbox, as well as piled up around your door, is a telltale sign that nobody is living at the property. More than this though, it can make it obvious that nobody is even visiting with any frequency. This obviously makes the property a much more appealing target for thieves looking for an easy break-in.

Maintain your gardens
Another giveaway that a property is long-term unoccupied is a wild and overgrown garden. This is less of a problem over the winter when not much is growing, but during the summer months it is vital that you dedicate a certain amount of time to keeping your property exterior presentable. Mow the lawn, cut back any overhanging foliage and remove any dead plants and flowers to make sure your property looks loved and cared for.

Check your doors and windows
As there will not be someone at the property for a lot of the time, you need to make sure that the best quality locks are fitted to your doors and windows to make it far more difficult to access your home illegally. You could even consider adding multi-locking deadbolts to the main access doors to provide additional security. When checking the property, make sure that all locks are in good working order and there are no signs that somebody has been trying to gain access.

Consider extra measures
Where budget allows, installing a burglar alarm can be an excellent deterrent, particularly if you invest in a system that is fully monitored by an external company. CCTV cameras can have a similar effect, as can motion sensor lights at key points around the property’s exterior. If it is impossible to access doors and windows without triggering one of these systems, it is far less likely that thieves will choose to target your property.

Ask your neighbours for help
If you have a trusted neighbour or friend who lives close to the empty property it is advisable to ask them to check in periodically. Not only will this make the property look more lived in, it also means that any damage will be picked up when it first starts and before it develops into a large problem (for example a small drip that turns into a massive leak over time). On top of this, such checks will often be a stipulation of your home insurance policy, making them a vital occurrence.

6 Maintain the property exterior
Similarly to maintaining the garden, keeping the exterior of a property looking fresh helps to keep it safe from damage. Repairing any areas of flaking paint or rotten woodwork helps to keep the property looking its best, as well as preventing any expensive damage from taking hold. This is particularly important if the property has an area that is particularly susceptible to damage, such as a flat roof. The property’s neighbours will also thank you, as an obviously empty property in a poor state of repair has been proven to bring down the value of neighbouring houses.

Essential Characteristics Of Term Insurance Plans

Take a look at the essential characteristics of the term insurance plans and you will know why it is beneficial for you.

Characteristics of term insurance

Here are the essential characteristics of term insurance plans:

1.Inexpensive: One of the main characteristics of term insurance is the affordability factor. A term plan is less expensive than a traditional endowment plan. This is mainly because term doesn’t usually offer a return on the premiums that you pay. There is only a life cover that is paid to the nominees upon the policyholder’s death. If you outlive the policy period, you will not get anything in return. This is a practical contract and allows you to buy life insurance at an affordable rate.

2.Simplest: Term insurance is one of the simplest form of life insurance. It is very easy to understand and is the most flexible type of life insurance plans. You simply have to pay the premiums regularly in order to get covered for the tenure you opted for.

3.Quick and convenient: Term plans are easily available online. This makes it very easy to own a term plan. You can simply log on, run a quick comparison of the available plans and make a purchase on the spot. To encourage people to buy term insurance, most insurers have relaxed the norms related to documentation, eligibility and other requirements that previously made term insurance difficult to obtain.

4.Flexible premium paying options: You can opt to pay your term insurance premium in many ways. You can pay it up front in one go or you may pay it over the duration of the policy. You have the options of paying annual, semi-annual, quarterly and monthly premiums on your term insurance plans. This flexibility offered is another wonderful characteristic of term life insurance.

5.Flexible pay out options: The objective of any life insurance plan is to provide financial stability to the surviving family members of a deceased policyholder. You therefore would want your nominees to use the death benefit in the best possible way. Keeping this in mind, you can choose either a staggering pay out or a lump sum pay out for your nominees. The lump sum option would pay the entire sum assured in one go. The staggered pay out would divide the death benefit in parts and work as monthly pay outs. This would work as your income replacement and help your family cope with the financial loss.

6.Riders: You can add riders at an extra cost to your term insurance plan and customise it for yourself. Riders are add-on benefits that offer added protection. And since the insurance needs vary from person to person, you can buy a rider along with your term plan to cater to your insurance requirements more closely. This is another characteristic that makes a term insurance plan useful.

7.Tax benefit: Term insurance offers d tax benefits too. The premium you pay on your term plan is tax exempted and you stand to get a tax benefit of up to Rs. 1.5 lakh. The proceeds from a term insurance plan are also tax free, making it a wonderful tax-saving tool.

Succeeding At An Online Business Administration Degree

An online business administration degree helps students understand how businesses work, so that students emerge from their degree ready to take on positions and job opportunities in the business world. A course of study can include courses in global business strategy, management information systems, management, marketing, accounting and finance, human resources, organizational behavior, and communication, to name just a few. Once students graduate, they can qualify for jobs in management, human resources, finance, or sales and marketing.

While choosing to complete an online business administration degree can boost your career and can allow you to study on your own terms, it also requires work and dedication, especially if you want to make the most of your education. Online programs give you plenty of flexibility and allow you to work at your current job, even as you prepare for a better job. To get the best post-graduation possibilities, though, you will want to study smart so that you can succeed at your degree program.

One of the most important things you can do to ensure that your online business administration degree leads to great opportunities in the future is to make sure that you select the right degree program for you. Make sure that your course of studies allows you access to professors and qualified faculty by phone or email. Make sure that you will get the resources and help you need to succeed in school. Finally, make sure that you will be pursuing your studies at a respected institution that hires great faculty. When all of this is in place, your degree will be more valuable and you will have all the tools in place to do your best at your studies.

The second thing to remember is that an online business administration degree is your responsibility. While this sort of program can offer you intensive studies that can help you qualify for a great job sooner, you need to make sure that you have the self-discipline to put work into the program. Buy a planner or calendar and block out time to study, review your notes, read course materials, and complete any projects that require work. Read over your course outlines to understand exactly what will be expected of you and block the time into your schedule so that you can complete everything on time. The good news is that since online programs are so flexible, you will be able to plan your study time around your other responsibilities. If you plan well, this can actually help you become a better student.

Be sure to find out what resources your school offers and make a serious effort to make use of them. Your tuition pays for these resources, and you can often get more value from your degree by taking advantage of all that your degree offers. If you have email access to professors, for example, be sure to get in touch with your instructors. If your school offers study skill help, be sure to take advantage of this so that you can become an even more effective student. You can never be sure which resources will prove the most beneficial for you, so give them all a try to see just how much you can learn.

A good online business administration degree can be your key to a bright future. However, it is not usually enough to just complete your course of studies. Make a real effort to complete your studies well and to get the most out of your program and you will find that your investment of time and money pays off in the opportunities and skills you will be able to enjoy.