Discount Homeowners Insurance – Where to Get It

Homeowner’s insurance protects you against financial loss if your home or property is damaged by theft, fire, lightning, smoke, or other disasters. Thanks to the internet, you can easily find discount homeowners insurance that meets your needs. Here’s how …Complete Your InformationYou can get quotes for discount homeowners insurance by visiting an insurance comparison site. On the site you’ll complete a simple questionnaire with information about your home and your insurance needs, including …* How much coverage you want for your home and for your home’s contents. It may be helpful for you to make a detailed inventory of your home’s contents to figure out what coverage amounts you need. (You’ll also need this inventory if you ever need to make a claim.)* The deductible you want to apply to your homeowners insurance.* The square footage of your home and the year it was built.* The number of miles from your home to the nearest fire station and the number of feet to the nearest hydrant.* Any discounts for which you might be eligible. For example, many discount homeowners insurance companies give discounts to non-smoking customers, as well as for security features such as deadbolts and smoke detectors.Get Answers to Your QuestionsThe best insurance comparison sites will also have a chat feature available. With the chat feature, you can get answers to all your homeowners insurance questions from insurance professionals. (See link below.)Get Your Discount Homeowners Insurance QuotesOnce you complete the questionnaire, you’ll quickly receive discount homeowners insurance quotes from multiple A-rated insurance companies.What if the Quote is too High?If the quote for your discount homeowners insurance is more than you can afford, follow these tips to try to get it lower:* Lower your coverage limits and raise your deductibles. Note that your mortgage company probably requires a specific minimum coverage.* See if you can qualify for more discounts. Perhaps you can install more smoke detectors, burglar alarms, or buy fire extinguishers.* If your credit is poor, work on improving it.

Is Responsible Gambling Possible?

Most people gamble for the fun and excitement of that big win, or to test their mettle against worthy opponents in games of skill, but gambling is about money and there is always the risk of taking the game too far.

Ensuring a conscientious and entertaining gambling environment is both the casinos’/poker rooms’ and the players’ responsibility.

Players need to play at casinos or poker rooms with the highest degree of trustworthiness, transparency and legitimacy. It is also important for players to bear the following in mind at all times during their play:

o Gambling should be entertaining and not seen as a means to making money.

o Keep track of the amount of money you spend and only gamble what you can afford to lose. Do not chase your losses.

o Keep track of the amount of time you spend gambling.

Does your casino or poker room have a responsible gaming policy?

While most people gamble for enjoyment, gambling can create various social and economic problems and very possibly cause harm to some individuals. These problems can range from over-spending to pathological gambling addiction.

Make sure that the casino you choose is committed to creating a responsible gaming environment, and has therefore gone to great lengths to implement and maintain the responsible gaming requirements of the international online gaming industry watchdog – eCOGRA (e-Commerce and Online Gaming Regulation and Assurance). This certification is for the benefit of both players and the casinos or poker rooms themselves.

What does the eCOGRA Seal of Approval mean for you?

To receive the eCOGRA seal casinos or poker rooms must undergo stringent inspections of everything from customer service centers to accounting systems and from responsive complaint procedures to financial guarantees.

The award of the seal confirms that the casino or poker room has met eCOGRA’s strict admission criteria, and signifies that that they have shown absolute commitment to fair and honest gaming, superior player support, and prompt payouts. As a player, this seal of approval can provide you with total peace of mind when enjoying your favorite online games.

5 Wedding Photography to Watch Out for in 2014

Wedding photography has changed a lot since our parents got married three decades ago. That said even though photography trends have changed there are very few couples who know much about the latest trends or upcoming trends. This often means that they don’t know exactly what they should be looking for when hiring a photographer to cover their wedding. The important thing that wedding couples should always remember when hiring a professional is to never hire one simply based on if or not they are using the latest and the most expensive equipment. It should be based on their portfolio and if they are able to shoot your wedding based on the latest trends, five of which have been described below.Trend no. 1: Celebrity wedding styleAlmost every wedding couple may want to feel like a celebrity and this particular wedding photography style makes it possible. This particular style brings red carpet style posing to wedding couples. The resulting pictures are often of couples who are acting out famous movie and music video scenes. This allows for the photographer to create new and unique themes which look like photos on a glossy film magazine cover.Trend no. 2: Soft toned black & white picturesBlack & white film cameras may have been replaced with their color counterparts a long time ago but there was a certain class that these monochrome pictures had. Today even with the latest photography equipment many photographers like the black & white effect especially when it comes to wedding photography. The amazing thing about this sepia or soft toned monochrome photography is that it is very classy, clear and stylish, it can also be edited to suit certain themes and artistic tastes.Trend no. 3: Very deep color themesA growing number of wedding photographers are leaning in the favor of using a combo on low light photography and dramatic skies to produce pictures that are stunningly deep. This effect is usually achieved during weddings that take place at night or during the reception which is under an open sky. However, if you opt for this particular photography style the professional should be able to provide you with a few tips on what you’ll need to do in order for the pictures to turn out as expected. This type of photography is ideal for beach weddings.Trend no. 4: Candid photographyThis year we may see a growing number of couples opting for candid photography because it combines their unique acting talent with the photographer’s ability to shoot their best sides. However, even though a lot of the candid shots will be composed but they need to look spontaneous which can be difficult. So, many wedding photographers will start by creating a scene in which couples need to act spontaneously just so that the pictures don’t look planned.Trend no. 5: Bold colorsThis type of photography literally turns up all the bold colors at the wedding party. So colors in the flowers, the dress, accessories etc. will all pop. Many professional wedding photographers will provide their clients with a list of bold colors that they need to use. Any shortfall in bold colors will then be filled during post production.