Posted by myarticlenetwork on February 1, 2010
Phone Insurance – Why Bother?
When you first buy your mobile phone (cell phone) you probably got pushed to buy the add-on insurance – or maybe you got given a few months free insurance together with the phone.
This free add-on is a clever and very profitable technique which phone dealers use to get you inadvertently into subscribing to the (cell phone) mobile phone insurance iteself. When you get the phone and the free phone insurance you are automatically set up to pay by Direct Debit for the insurance at the end of the free period.
But the question is this:
Yes it protects you – but do you need it?
To answer that you need to answer 2 specific questions – the answer to which varies from person to person.
- Do you want to cover the cost of replacing your phone?
- Are you worried about being without your phone for an extended period of time?
If your phone is Pay As You Go then you will be acutely aware of how much a decent phone costs because that is what you paid when you bought it.
In fact, pay as you go phones are not actually the real cost of the phones because mobile phone operators slightly subsidise the cost of the handset. This is because these phones are usually locked to only work on their network, so they make up for the loss on the cost of the phone calls.
But they are not discounted by much (relative to the discount given to Pay Monthly contract customers) because they can be unlocked to use on other networks. However, most people do not do this – so the network knows they will get that customer’s calling minutes and business.
If you are a Pay Monthly contract customer, chances are that you did not pay anywhere near the real cost of the phone – they get heavily discounted. Its straight forward economics – the networks KNOW they will get your business and your money for 12 months because you signed a contract to say so so – so they can give you a little bit of that back up-front as a discount.
Yes it was free on a new contract – but it wont be to replace.
You’ll need to get a PAYG (PAy As You Go) phone to replace your old one. So that is your replacement cost.
As a contract customer this wil be considerably more than you thought it would be. For example the Apple iPhone is around £300 or US$400 to replace. That will hurt your wallet if you have lost it, or damaged it or some idiot has stolen it – for that you wowuld most likely want specialist iPhone insurance.
So how are you going to pay for it?
That is what mobile phone insurance is for. But is it worth it?
Unfortunately there have been many insurance operators who have fleeced the customer and charged high prices for an insurance policy that just did not make economic sense. For example a fair few ‘free’ insurance policies transpire to be quite expensive eg £8 or £10 after the free period.
Now if your phone is top of the range and expensive to replace, this might make sense, but not if you have a basic ‘I just want to make and receive calls’ type mobile phone.
So the insurance needs to be tailored to what phone handset you have.
If you have a cheaper phone, then it will be cheaper to replace, therefore the phone insurance should be cheaper. A more expensive phone should have a more expensive mobile phone insurance policy.
So that is a key decider in who you choose to insure your phone; can they tailor or offer a policy for your specific phone handset?
While you are looking at the financial side of covering the cost of replacement, you also want to consider whether the phone insurance company insist on a long term contract; many do, some do not.
If you must sign a 12 month contract (standard with many) then the cost of the insurance is a straight forward calculation of 12 months multiplied by the monthly cost. If this amount is bigger than the cost of replacing the phone yourself (by purchasing a Pay As You Go handset) then the insurance is not worth buying.
If there is not a 12 month contract then you are free to do as you choose.
If you are a Pay Monthly contract customer then there is another consideration. Once you are not tied to the contract you can either upgrade to a new (replacement) handset or go to a new network.
So towards the end of your phone contract the mobile phone insurance has less and less value and worth to you as a customer because you are at less risk of having to pay out a big bill to replace the phone.
IMPORTANT – Once you have a new phone again, you will have to pay the full replacement cost. You would have to pay the full price to replace your mobile phone if it was lost, stolen or damaged, so you are more likely to want to have mobile phone insurance.
Often, people say they can get their phone insurance via their home and contents insurance – but if you make a claim for a (relatively small) phone cost, what is going to happen to your no-claims bonus and your home insurance premium cost next year?
So getting mobile phone insurance is about sensibly minimising the risk of having a big replacement bill, without spending hugely on the monthly insurance policy.
The best way to achieve this is to use an insurance provider who does not have a 12 month contract and who has the right price insurance policy for your phone (not a ‘one price fits all’ policy)
Read part 2 of this article answering the “Are you worried about being without your phone for an extended period of time?” part here – coming soon…
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Posted by myarticlenetwork on
Balloon delivery is becoming as popular as sending flowers to someone on their birthday or for that special occasion. You friend or loved one will break out in a smile when they see a bunch of balloons waiting just for them. There are many companies that operate balloon delivery services and the majority of them can be found online. This can make sending that special someone a balloon bouquet very easy even when you are far away.
Many times it can be difficult to make it to the store and pick out that meaningful gift. If you get bogged down with work or life you can still send a happy birthday message using balloon delivery. There are many balloon delivery companies that operate online and you can choose your balloon or balloon bouquet and have them delivered the next day.
It is very easy to create your own customized or personalized balloons. Customizations will take a few days to construct so if you are in a hurry you may have to use pre-printed balloons. However almost all companies will be able to fulfill your wishes as long as you give them ample time. For a really great gift you can have a balloon bouquet sent. Many party stores also offer balloon services, so you can pick out the balloon sin person and delivery them yourself.
Balloons are available for any occasion and you can request specifically decorated balloons for weddings, birthdays, anniversaries, graduation, themed events, corporate functions, and more. Of the many balloon options to chose from you can purchase balloon bouquets, giant balloons, custom balloons, helium hoppers, tagaloons, walking balloons, popular character balloons and specific balloons that are available for rush delivery.
Besides just the balloons you may be able to chose the type of weight used for your balloons, any wrapping paper or ribbon involved and other small details. If you are interested in balloon delivery get on line and find the nearest company in your area. Party stores will also offer balloons if you go to their store.
Read more about this topic here: Balloon Bouquet Delivery or Deliver Balloons or Balloons Delivered
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There are many occasions when you can have balloons delivered. They can brighten up any special day in the world. Special occasions can be made that much more special. Times of hardship and strife can be brightened with balloons as well. That might sound corny, but continue reading and you will see the many benefits of balloon delivery.
First of all, let’s talk about birthdays. There is no question that every birthday can be brightened just by having balloons sent to the person having the birthday. There are all kinds of balloons designed just for birthdays, of course. Mylar balloons are especially popular for birthdays.
You can also send balloons on an anniversary. If you send them to your significant other or your spouse, he or she will definitely be thrilled. Send them right to his or her job, in fact, and the day will be brighter right away. The occasion will immediately be even more special.
Now, when someone is celebrating a special achievement, such as graduating high school or college or getting into a school, balloons are also a great way to show how you feel. Again, having them delivered is always a great idea. They will make the person receiving the balloons even happier than they already are.
Finally, if someone is feeling under the weather, a fantastic way to bring some light into there day is by having their balloons delivered to the hospital or their house. Balloons are fantastic for anything from tonsils being taken out or even for someone who just had a child!
Sending flowers is all well and good, but no matter why you are sending them, they can be made even better with balloons. All you have to do is pick the right balloons for the occasion. You can find them just about anywhere. Just start looking!
I think you’ll find this interesting: Birthday Balloons Delivered or Balloons Delivered
Posted by myarticlenetwork on
It is certainly not yet time to assert that the old fashioned cocktail party of the mid-twentieth century is a thing of a previous era, but there is a recent trend in entertaining toward less formal affairs. Remember Clark Gable or Fred Astaire, dressed in their tuxedos; or picture Betty Grable in her swirling gown. They gathered in a magnificent manor house, sipped martinis and danced throughout the night. Can you honestly dream of your family, friends or neighbors relaxing in such an environment and actually being thrilled about it?
Gourmet coffee, roasted to perfection, accompanied by a slice of delicate cheesecake better exemplifies the current era. That combination seems much better suited to an era in which men have discovered that an open collar is much more pleasant than a bow tie and cumber bund. Furthermore, the price tag for such an event can stay well under the cost of several bottles of imported gin, a little vermouth and fresh caviar served with gold spoons.
Your neighborhood certainly has a local bakery that sells cheesecake, or you might explore a little farther from home to find something that all of your guest don’t already experience in their everyday lives. You can have a selection of truly exquisite cheesecake delivered right to your home from across the country.
Remember that people’s tastes vary, so provide a choice of cheesecake flavors. Offer a gourmet turtle cheesecake for the chocolate lovers on your guest list. Add a few walnuts and some dark chocolate shavings to the plate.
A nice alternative would be a strawberry or blueberry cheesecake for your friends who enjoy a fruitier taste. You might want to venture to one of the more unusual berries such as Marionberry, unique to the Pacific Northwest. If you opt for the tarter flavors, you can decorate with a mint sprig.
Some of your guests might have some dietary restrictions (or have more self discipline than many of us). For those friends, include a gourmet low carb, sugar free cheesecake alternative. While that might not be considered a health food, it allows splurging within acceptable limits. An orange wedge makes a healthy addition to this plate.
Create some labels for each of your alternatives, so your guests can make informed decisions.
Of course, you’ll want to include a robust decaf option. In addition choose to present just one interestingly flavored coffee. Add to that a bold roast from Jamaica or Columbia.
Keep the cream, non-fat milk and non-dairy creamer in an ice bath in a shallow, decorative bowl. Throw in some cubed sugar with sterling silver tongs, for a decorative touch.
This is the kind of casual entertaining that does not sacrifice the good taste that is always the special ingredient for any social event in any era. Besides, there is no morning hangover the next day. Doesn’t this sound more twenty-first century to you?
Posted by myarticlenetwork on
Easter is supposedly an event that the Christians follow. It based on the events that transpired right before the crucifixion of Jesus Christ and his subsequent return to heaven. The years has made many additions and changes to the celebration of Easter and in spite of the practice of the traditional Easter happening, Easter bunnies and eggs are now included in the celebration of Easter.
The Purpose Of The Easter Basket
Basically, the Easter basket is used to contain the Easter eggs that the child or the individual will collect or look for. The tradition of an Easter egg hunt has prompted the use of an Easter basket to help with the retrieval of the eggs. Ideally, approximately twenty average sized Easter eggs a Easter basket should be able to accommodate in it. The Easter basket should not be so shallow that the eggs will roll out when the child leans forward or leans over to pick up an egg.
Usually, the Easter basket has a wide mouth for easy access. The wide mouth also allows for easy deposit of the eggs into the basket. Many of the baskets used for Easter egg hunts are made of wicker or other natural materials while some others are made of metal and plastic. There are also many Easter baskets that are made with stuffed furry animas which can make sound and wiggle their tails or noses. The fabrication of basket also has been affected due to the commercialization of Easter. Most of the Easter baskets can be reused for the next year.
Another Kind Of Easter Basket
An Easter gift basket is one which is used to contain gifts. These gift baskets are varied and can contain any gift item that the giver might want to give to the recipient. For Easter, many gift baskets contain chocolates which are shape din Easter icons. The most common Easter icon are the Easter eggs so one can expect a gift basket of this kind to contain chocolate Easter eggs. Other variations on the gift basket for Easter are chocolate in the form of bunnies, ducks and chicks. There are many other possible gifts to put in a gift basket and these are usually dependent on the preferences of the giver and the recipient.
Easter baskets usually sell around the start of the season. These can also be made at home by buying a plain basket and then embellishing it with ribbons, and appliqués which may make it more attractive.
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If you are a runner then you already know how important it is to find properly fitting sneakers, however many non-runner people don’t understand how to choose a correctly fitting shoe. If you are active, the correct sneaker fit is essential. Consider some of the following tips on how to choose a properly fitting shoe.
Usually the first step when trying on shoes is to decide if there is enough space at the front of the shoe for the toes. It is an important step that many people are unsure about – Here’s how to check for the appropriate amount of space at the front of the shoe: The distance between your longest toe and the front of the shoe should be approximately the size of your thumb.
As soon as you’ve finished with the front of the shoe you can begin considering the heel. A piece of advice to keep in mind is that a person’s heel should not be able to move up or down while they walk around in a shoe. The heel should always be in place.
The same rule we use for heels can be applied to the sides of your new runners. The widest section of your foot should be tight enough to stay in place while walking but not too tight that it becomes uncomfortable to wear.
The final suggestion to keep in mind while shopping for your ideal runners is to check the top of the shoe. The area of the shoe that hides the top of your feet should not be too tight but should at the same time be pulled enough to keep your foot well supported without bothering your feet – No one enjoys having sore feet because shoes don’t fit well.
If the shoes are not for physical activity then the fit is not a big concern. If the purpose of the shoe is for running or physical activity then you need to make sure they fit comfortably. Remember to check that the runner fits in the toe, the heel, across the width of your foot, and the top of your foot. If you follow the tips suggested for choosing sneakers you will find a running shoe that is perfect for exercise and daily physical activities.
