If you own a car, you must know that to maintain a car with is very costly. To add to this is the car insurance. But there is good news for all the car owners that the car insurance premiums have started to come down in recent times. However, this does not cut down on your expenses. It will surely give you a big bite as usual. So, it is necessary for you to learn a few things about the different policies on offer.
Legal requirement and risk factors:
Do not run your vehicle without insurance as it is illegal. If you get caught with an uninsured car, you will have to give a penalty and eventually your vehicle will be seized and destroyed. As car insurance is all about risks, the more risk it covers, the more expensive it will get. Insurance companies look into various aspects before quoting a premium. Among those, your age plays a significant role as if you are an older person you are less accident prone than the younger people.
Types of car insurance:
There are three types of car insurances. One is third party car insurance which is the most basic and minimum legal requirement. This pays for the damage caused to any third party’s car or vehicle by you. This doesn’t pay for your vehicle’s damage.
The second one is third party fire and theft car insurance. This covers the cost of any damage caused by fire or theft to any third party’s car adding to your car’s damage as well. Even if the fault is yours, you’ll get the cover for your car.
The last and the most modified is the fully comprehensive car insurance. This gives you additional facilities, so the young drivers often opt for this cover. It may even cost you lesser than the other two. You must check whether your car is worthy enough for this or not. It is therefore important that you go through all the premiums on offer before choosing one for yourself.
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Dehumidifier buying guide
Read moreYou can avoid the confusion in choosing the best dehumidifier for your home if know exactly what to look for in a dehumidifier.
There are many factors that contribute in choosing a suitable dehumidifier for your home, geographical location is one of them. Purchasing a dehumidifier involves choosing the size and type which will eliminate humidity and moisture issues from your home.
Following points will help you buy a suitable dehumidifier for your home:
Sizing
Size of the area that you will be dehumidifying is the first thing you need to consider while buying a dehumidifier. Do not forget to include the height of the room in the equation, because you will be drying of the entire room space and not just along the floor.Geographical location
Apart from the size of the room you wish to dehumidify, it is the geographical location that matters while buying a dehumidifier. If you are resident of Gulf regions, Florida, and Texas, you might need a dehumidifier almost throughout the year. Also, people living on the west coast of the United States would need a dehumidifier during the winters, because this is the time it rains the most in those areas. To conclude, you might require large capacity dehumidifier for up to 8 to 10 months.Air temperature and current humidity in the room
Most dehumidifiers work fine in temperatures above 24 degrees Celsius and above. You might need a specialty low-temperature models for dehumidifying rooms that are below 20 degrees Celsius. It is important that you know the severity of the moisture issues in your room. Rooms with humidity higher than 60% will need a dehumidifier.The desired level of humidity
It is recommended that lowering the humidity of a room below 50% will eliminate the potential hazards of mold and dust mite population, which can damage the property of your home. The lower you set the humidistat of your dehumidifier, the longer it will operate. If you have musical instruments at your home (such as guitars and pianos) it is recommended that you maintain the humidity below 45%.Energy Star rating
When it comes to buying electrical appliances, people always look for energy star rating of the appliance. The more the energy stars the appliance has, the more the energy saving it does. However, in the case of dehumidifiers, the efficiency is measured in terms of the number of points that it removes per kilowatt of electricity. So, next time, when you go shopping for a dehumidifier, look for this rating. -
Top three smartphones you need to check out
Read moreAs the smartphone market has been expanding, newer and newer models with awesome innovations are being produced. This article will cover the features of different phones. It will also cover the Samsung Galaxy S8, Moto Z, as well as the new iPhone’s price.
Samsung Galaxy S8
There should never be limits to anything. This could be for your dreams, your ambitions, or even your phone’s screen size. The Samsung Galaxy S8 has a 5.8-inch screen with infinity display. Apart from its looks, it is also packed with a 10 nm processor and an Exynos 8895 Octa-Core processor that clocks at a 10 percent faster speed. It comes with a 12 MP rear camera with a f/1.7 aperture for better low-light pictures. The pro mode on the Galaxy S8, lets you adjust six settings like the shutter speed, ISO, color tone, and more. Last but not the least, you will also gain access to smart features like Bixby and Samsung Pay. The Samsung Galaxy S8’s price is USD 424.99.
Apple iPhone 7 Plus
If “the bigger the better” is your mantra, then you should definitely check out the iPhone 7 Plus. It not only has a huge 5.5-inch screen, this new iPhone’s price is equally attractive! The A10 fusion chip makes this phone blazing fast. The 12 MP rear camera of the phone is great for amateurs as well as professionals. A unique feature of this phone is that it does not come with a headphone jack. It is instead connected with Ear Pods. The new iPhone’s price is USD 769.
Moto Z
We all have that feeling of wanting to make subtle changes to our phones. This could be due to a lacking feature or maybe because of something new in the market. While this feature is not available on most phones, you may update and more on the Moto Z. Now you may turn your phone into a professional camera, blast some music, or even project your ideas onto the nearest wall with Moto Mods. The phone has a really strong magnet that can stick these add-ons. The Moto Z costs USD 699.99.
So, do check out these cool phones the very next opportunity you get.