Performing That Static Caravan Insurance Review

It doesn't matter what the time of year, owners of static caravans may benefit from carrying out a periodic static caravan insurance review.

The reasons for this are simple enough.

Check the dates

The first thing that you may need to have a look at is the expiry date of your static caravan insurance policy. Just because you are not using your caravan does not mean that it does not need to be insured.

The opposite may tend to be the case because, in fact, sometimes your caravan may actually be more at risk when not in use and you are not around.

Caravan insurance policies of some providers may, therefore, include special terms and conditions, such as those which apply to static caravans when they are not in use by their owners, for example. These may need to be adhered to if your policy is to remain valid.

So a quick caravan insurance review may help you stay on top of the game.

Site closure

Many static caravan sites may close down outside of the peak season.

So, while your regular insurance obviously remains in force, if the site is unattended then the security of your caravan may become more of an issue.

Thieves and vandals may take advantage of this situation to go about their business unnoticed and uninterrupted.

When you initially arranged your static caravan insurance, you may have agreed to store your static in a recognised and secure CaSSOA site if you are not using it. If these arrangements have changed since, then do notify your insurers, as your policy may need to be changed.

Leaks

To avoid the risk of leaking or burst pipes, particularly following a period of freezing temperatures, some insurance policies stipulate that heating and water systems be drained down when the caravan is not being used.

End of season maintenance

It is not just the weather that you need to think about.

Your caravan insurance review may highlight the fact that some insurance policies may emphasise the need for your caravan to be kept in a good state of repair. Taking extra special care to ensure that your static home can withstand rain and storms may help to reduce the risks of damage not just to the outside of your caravan but to the interior also.

Common sense

The special terms and conditions covering caravans that are not being used are there for very good reasons. So do not get caught out!

Carry out a quick static caravan insurance review to make sure that your have done everything necessary to help keep your caravan safe and your insurance valid.

Should You Insure a Dirt Bike?   Motorhome Conversion Insurance   Cheapest Motorcycle Insurance Rates Online   Cheapest Insurance for Motorcycles Online   The Rise Of Motorcycle Insurance Rates   

BMW Motorbike Insurance - What You Need To Know

If you are one of those fortunate individuals who own a BMW motorbike, you are most likely searching for the best BMW motorbike insurance that you can get. Getting an insurance policy for your bike will give you protection and peace of mind that every motorist needs each day. Most people think that this is difficult to find and would often be discouraged to get a bike from this particular brand. However, this is not true - especially with the fact that these days, nothing is impossible to find anymore.

With the help of technological advancement, insurance providers are now easier to find regardless of your location. The reason for this is that most credible providers have a website that offers you the same kind of service as a regular office would. You can get BMW motorbike insurance quotes from them and compare it to other providers before you decide on the one that you like the most. As this can be found online, you have the benefit of getting all the information you may need without having to leave your home or office. You would also be spared from the hassle of traveling or finding time to do so.

One of the best things about these BMW motorbike insurance provider websites is that they offer support in terms of any other concerns or questions that you may have. They will work with the information you provide them to determine and offer you the most suitable plan or policy. You would also be amazed with the idea that they offer coverage on practically all the BMW models there is. Each policy or coverage is unique and you will have the benefit of choosing the best one that fits your preferences. They will also be able to give you good insight on what to expect and what is included in your plan. This will help you get the peace of mind that you need in order to get the most out of your budget.

Should You Insure a Dirt Bike?   Motorhome Conversion Insurance   Cheapest Motorcycle Insurance Rates Online   Cheapest Insurance for Motorcycles Online   Motorcycle Insurance Rates: How to Minimize Your Insurance Costs   

Home Away From Home -It's a Vacation Home

Looking out of the window sipping my morning coffee, a serene sensation pervades my whole being as I see the lush green coffee plantations all around, the fresh morning sun and the breathtakingly blue sky; I feel so much at home...but wait!! I'm not at home!!....I am in Munnar on a romantic getaway with the husband (who else!!) Well, I am almost at home, staying at a vacation rental run by Carpe Diem Education Trust at Munnar.

While we were planning on a holiday in Munnar, both of us wanted to stay at a place which would be very private and not be disturbed by too many people around. One of our close friends suggested trying out vacation rentals for a change and taking his advice, we booked this very quaint villa which came with one attendant (as an add on facility). We applauded ourselves for the decision right from the time we landed in Munnar. We have the whole house to ourselves and enjoy personalised F & B services.

The concept of a vacation rental (or home as it's popularly called) is a great one. Vacation rentals have long been a popular travel option in Europe (especially in the UK) as well as in Canada and are becoming increasingly popular across India also. Vacation rentals offer a pleasant alternative for honeymoon couples, families and travel groups looking for privacy & comfort during holiday. Also, vacation rentals serve as great venues for Corporate Team Building Exercises, Corporate / Personal Guest House and as R&R destinations (such as Spiritual Meditation and Yoga Venues). It scores over hotels in many ways such as cost savings, space, comfort and most of all privacy. And personally for me, the unique charm of a vacation home comes from the experience of living in a real neighbourhood and soaking up the rhythm of the locals.

In fact, I had a very pleasant experience in Ooty, staying at a vacation home whilst on an office tour. I was part of a big group from my office and we were to stay in Ooty for a week as part of some project. Our work required us to work odd hours in the field at different locations of the town and we wanted to stay at a place which could provide us with add on services (like food, laundry, etc.) quickly and also at odd times (if required). We looked around a lot of hotels and none were to our satisfaction. Then one of the hotel owners suggested a vacation home located in the residential area. We checked it out and loved it!!....it was a big bungalow with a large living room, kitchen area, 5 rooms with attached bathrooms, a terrace and came with a caretaker. It was located in the middle of a residential neighbourhood, totally quiet and away from the "touristy" Ooty. We could work there as a team without disturbance from any other guests or staff like in a hotel but at the same time could avail housekeeping services as & when required. We had a comfortable stay during the course of our hectic work schedule at Ooty and I am of the opinion that it could not have been a better experience if we had opted for a hotel stay. Nowadays, there are a number of travel agencies, vacation rental agencies & stand alone private operators in India which are into the business of vacation rentals/home stays and one can choose from a wide variety of options available in the market. The key points to note while booking vacation homes are the reliability of the rental agency/travel operator, location and the services on offer. Remember, with a vacation home, what you see (literally!!) is what you get (well that's my experience at least!!).

To sum up, I would recommend that if you are planning for a romantic holiday, weekend getaway, an R&R retreat or even a corporate get together, a vacation rental is a nice (and much more fun!) alternative to hotels... and who knows, like me, you also end up feeling like its' a home away from home!

5 Reasons to Holiday in Mullion, Cornwall   Buying A Condo: How To Make a Profitable Decision   Hotels In Manali, Shimla and Dharmshala - Choose To Match Your Style And Budget   A Peek at the Historic Houses of Paignton   

York Rental Holiday House or Luxury Hotels - Which Is Best to Enjoy the Historic City of York?

The main attractions of the Minster, Jorvik Viking Centre, National Railway museum are the familiar places of York and it now ranks in the top ten of European food and wine destinations, and little wonder with the huge number of traditional pubs, restaurants and of course its famous tea rooms on offer. These all contribute to making the tourism trade in York a booming business in these financially challenging times.

Although York itself as a place to visit could never be considered a cheap and cheerful place it does tend to attract visitors who are looking for a bit more than ice cream and amusement arcades. When comparing costs of accommodation in York to that of its neighbours on the East Coast which is just forty miles away, prices can be half the price you would expect to pay in York. It is of course a very different type of holiday and each has its own different attractions on offer.

It is a thriving industry for the city and provides much-needed employment with the added advantage it doesn't have to rely on the weather, thankfully. It is regarded as an all year-round place to visit, even in the middle of winter. There are so many indoor activities and attractions that the weather is not a factor. Of course the outdoor activities are all there it is just they are somewhat overlooked at times by the wealth of history York has to offer.

Because of the location of York on the edge of the North Yorkshire Moors and the Yorkshire dales the outdoor pursuits are well catered for and whether it is walking, mountain biking, horse riding, climbing, abseiling, fishing it really does offer a great option for a family holiday, romantic break or adventure holiday. One of the other big attractions is the famous York Races when the number of visitors increase considerably and finding Accommodation in York at these times is worth planning well ahead for despite the growing number of places to stay in York.

The range of places to stay in York is as varied as are the things to do, from Luxury Hotels, small guest houses to Holiday Homes for Self Catering in York and everything in between to suit both budget and type of holiday accommodation you prefer. One of the rising trends for Holiday homes in Yorkshire is those looking for a higher standard of self-catering accommodation to match the Luxury Hotels in York. While many of the Hotels offer lots of facilities and style they cannot offer the privacy and intimacy leaving visitors feeling restricted and not as relaxed as they would be in their own private place.

5 Reasons to Holiday in Mullion, Cornwall   Buying A Condo: How To Make a Profitable Decision   Hotels In Manali, Shimla and Dharmshala - Choose To Match Your Style And Budget   A Peek at the Historic Houses of Paignton   Central Macedonia Dipping Into The Aegean Sea Full Of Summer Resorts And Spiritual Monastic Beauty   Central Macedonia Dipping Into The Aegean Sea Full Of Summer Resorts And Spiritual Monastic Beauty   

Future-Payment Explained

I am not a lawyer, I am a judgment referral expert (Judgment Broker). This article is about the future-payment concept for civil money judgments. Future-pay means you get paid later, after money is recovered, instead of cash up-front "now".

Every judgment, is only a piece of paper until available assets are found, and the judgment is successfully and eventually enforced. If the debtor has lots of available assets, you will probably get some money back quickly, however nobody can or should guarantee that.

Judgments are not cash, they are chances for cash in the future. Judgments are expensive and complex to recover, and their recovery depends entirely on the debtor to repay them. Bankruptcy or other factors can make a judgment worthless.

Most people owning judgments want to sell them for cash up-front. The problem is that nothing is guaranteed in judgment enforcement. Because of the risks of not recovering anything, most judgments sell for 1-10% of their face value on a cash up-front basis.

Future-Pay reduces the risk for the judgment recovery expert or lawyer. Because of the reduced risk, they can later pay you a much higher price for your judgment, usually about 50% of whatever they can recover from your debtor.

Everyone would rather get cash up-front, and that may be possible, especially when your debtor has a large amount of available assets. However, the reality is that most debtors do not have obvious available assets to pay off a judgment. Almost always, future-pay gives you the best chance of getting the most money for your judgment.

Future-pay allows the judgment recovery expert to be patient and wait for the debtor to acquire some assets. Even a poor debtor might inherit money or real estate, win the lotto, or get a job - anything could happen. A cash up-front buyer takes all the risk, and cannot count on anything changing with the judgment debtor.

With most judgment recoveries, money is recovered in chunks, either via a payment plan, or sheriff levies of the debtor's assets. Usually money is not recovered easily, or in one payment.

It can take many years and a lot of work to recover a judgment - so even if you get cash up-front for your judgment, the money is always recovered later on a future pay basis.

When a judgment buyer or a judgment recovery expert is local to your debtor, that increases the chances of getting money from the debtor. With Future-pay, you then get (e.g.) 50% of the recovered money (sometimes including interest) paid to you.

Many people agree that (e.g.) 50% later (often including future accruing interest) is better than a tiny fraction of 50% "now".

Why Getting A DWI Is So Bad   Bankruptcy Is Unfair To Creditors   The Need for a Personal Injury Attorney   Privacy and the Freedom of Information Act   

How PACER Works

I am not a lawyer, I am a judgment referral expert (Judgment Broker). This article is my opinion about PACER. Nothing in any of my articles should ever be considered legal advice.

PACER is an abbreviation for Public Access to Court Electronic Records. PACER is a web site that allows users to get case information and filings for all federal and appellate cases, including all bankruptcy cases in every state.

PACER is very popular with lawyers. Usually, lawyers are required to file all cases electronically at PACER, on their Electronic Case Filing system. However, you do not have to be a lawyer to use PACER, and it is most often free.

Violating a debtor's protection after they filed for bankruptcy protection, or attempting to collect on their discharged debts, can incur heavy financial penalties, and may expose one to being sued by the debtor. For this reason, checking PACER is mandatory for anyone trying to recover a debt. It is best to check the debtor's bankruptcy status before every collection action.

PACER is the best reference for bankruptcy status. Anyone can claim "I went bankrupt", however you should not always believe claims, you should always check PACER. Even if your debtor does file for bankruptcy, it might become dismissed or denied. If you see DENIAL OF DISCHARGE or DISMISSAL, that means the debtor's bankruptcy is history, and you can take or resume any legal collection action.

PACER requires you to register on their web site, and use your credit card. They do not charge you for every page you view. However, they charge you 8 cents a page for any documents you request, and some of the reports you view. If you spend less than $10 in 3 months, they waive their fees. That means if you use it only to check your debtors for their bankruptcy status, you will most likely never pay PACER a dime.

I use PACER every day, and it is still less than $10 for the 3 months - so it is free. It is difficult for average users to reach the $10.00 limit.

PACER's web site makes PDFs of case documents that you can download, however on some Macintosh computers, the downloaded file does not end with.pdf, so the Mac will seem unable to open the file. Simply add.pdf to the downloaded file name, and click YES when the Mac cautions you, and you will get a PDF that opens just fine.

There are many laws that protect and restrict the use of person's social security number, yet knowing a debtor's social security number is the only sure way to check their bankruptcy status, especially if a debtor has a common name. A debtor could file for bankruptcy protection in any state, and possibly with a different name than you knew them as. Searching PACER by social security number is the best way to search.

Unlike a credit report or banking information, a person's bankruptcy status and anything they filed in their bankruptcy case is part of the public records. On PACER, no permissible or legal purpose is required to search for someone on PACER's web site at http://www.pacer.gov/.

Another way to check someone's bankruptcy status is over the telephone, with the Bankruptcy Voice Case Information System at http://www.spiesonline.net/vcis.shtml. You can place 2 calls a day for free. This can be useful if you just want a quick check on whether or not there has been a bankruptcy filing at a court near the debtor. If there was, you can go back to PACER for the detailed information.

Why Getting A DWI Is So Bad   Bankruptcy Is Unfair To Creditors   The Need for a Personal Injury Attorney   Privacy and the Freedom of Information Act   Judgment Debtor Hubby Exams