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If you’re keen to save money on home insurance, beware of the risk of skimping on your insurance premiums. It is counter-productive to choose the least expensive home insurance if the chosen policy does not provide good value for money. What should you be looking at?

•    Guaranteed replacement value insurance.  Coverage for guaranteed replacement value is a more expensive insurance option but provides better financial protection if you suffer a disastrous event that destroys your home. If you have selected either of the cheaper options – cover for actual cash value or replacement cost – you are not protected from increases in construction costs.  Guaranteed replacement value insurance covers the cost of rebuilding your home regardless of increases in the cost of construction.
•    Policy endorsements. If you have valuable possessions such as heirlooms, jewelry or antiques, you should consider purchasing special additional cover in the form of endorsements to your California insurance. When endorsements are in place, if these valuable possessions are lost or damaged you can claim their full value to the limit you’ve insured them. (You must provide your insurer with proof of ownership and the value of items when you buy insurance policy endorsements.)
It’s sensible to shop around and avoid paying too much for insurance, but remember that paying a little extra in premiums can sometimes provide much better insurance coverage.

I can sleep where you will go

The stool Tam Tam does not know what is the crisis. The famous seat of Henri Massonet is by the photographer and decorator Maurice Renoma.

The specialty of Renoma: appropriating chairs and armchairs of worship and provide them with a touch of modernity, seamlessly some pictures. You certainly remember how interpretations of Maurice Renoma on some armchairs famous. Today, the artist has chosen a stool of worship, which is still in vogue, the stool Tam Tam.

The Tam Tam, creation of Massonet in 1968, already has more than 40 years. The icon continues to inspire many designers. The proposal of Renoma is offers a new look to this fetish. The artist was seduced by the debugged design and timeless of the stool.

Renoma has created a series of stools Tam Tam, by placing them different clichés of their collections Mythologies and Graffiti. With the series, Renoma we proposed some stools contemporary retro style.

Some are decorated with animal heads: horse, ostrich, mono, and cow, ram. There is another way to understand the nature in communion with the urban man.

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Many people enjoy staying at a hotel because they can enjoy services that they would normally receive at their own home. However, some hotel guests misjudge where the boundaries of these services lie.

Although the much-used phrase ’the customer is always right’ does apply in the accommodation industry to a certain extent, there is a certain level of behaviour which must be adhered to whilst staying in a hotel.

Hotels are well within their right to remove any or even overcharge any guests which cross these boundaries.

Hotel furniture

A lot of hotels will leave guests complimentary treats such as mints, sweets and toiletries. Bathroom facilities often extend to towels and maybe even toothbrushes.

It is perfectly acceptable to use these, however it is not acceptable to remove any items of hotel furniture after your stay in the facility.

Accommodation staff often charge the debit or credit card of the guest in question for any items which are missing from hotel rooms. It has even been known for hotels to prosecute on this basis.

Cleaning services

Those who make hotel reservations can expect to arrive to a perfectly tidy and clean room and guests are well within their rights to complain or request amendments if this is not the case.

Cleaning staff will amend the room that guests have stayed in after checkout to ensure that it is an appropriate state for its next occupant.

However, there is still an appropriate level of cleanliness which guests are expected to leave their room in. Guests may be charged for any unreported stains, breakages or extreme fly-tipping which occur during their stay.

Noise

Those who check into their hotels can expect a reasonably low level of noise so they can enjoy a good night’s sleep during their stay. Guests are encouraged to report any anti-social or noisy activity during the evening hours.

These rules are set in place to help all customers enjoy their stay.

At last! It’s almost summer and already we’ve had enough warm weather to spend time in the garden. Whatever your thoughts about gardening, the fact is, that little piece of Britain is yours and each is uniquely individual, telling a lot about its owner.

A blooming, colourful garden with neatly trimmed lawn, thriving plants and healthy trees obviously belongs to someone who adores gardening (or can afford to hire a competent gardener), but what does your garden say about you?

The nature lover is easily identified by the prevalence of bird boxes and feeders, bumble bee nesting boxes, butterfly-attracting buddleia, lots of long grasses, hedges and green, leafy trees in which insects, birds and animals can reside. It may look like a wilderness, but it’s a very delicate and deliberate eco-system. So you say…

Those who display garden furniture sets can be divided in to two camps: sociable types who entertain (their furniture is in good condition: clean, matching, cushions brought in to avoid wet weather with the barbecue near by) and those who thought they would but can’t really be bothered (mossy-covered, mildewy, varnish peeling tables that haven’t been used nor loved).

The recliner exposes sun worshippers or individuals who have too much time on their hands and are not too concerned about the dangers of skin cancer. Lazing outstretched on a sun bed is a luxury which isn’t afforded to most employed people very often, sadly.

A garden that boasts ornaments, especially the in the front garden, suggests the owner could be a bit of a dreamer, living in a fantasy world where fairies, unicorns and gnomes run under boughs of fox gloves and lavender meadows. These don’t though; they’re made of stone.

Then there’s the active family, the ones who possess a trampoline or a swimming pool, where bikes rest against the wall beside the football, a skipping rope and a pogo stick. There is a well worn path in the grass where rounders, cricket or sprinting has taken place repeatedly. Outside the back door are wellies and smelly trainers that aren’t allowed to cross the threshold and rightly so.

No matter what your relationship is with your garden, despite what it might ‘say’ about you, just getting outside once in a while is what counts. Enjoy your little piece of Britain!