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Questions to ask when shopping for home insurance

If you are a homeowner you know how important home insurance is to keep your property protected from all manner of potential problems. Knowing how important it is to your home means asking the questions that matter.

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There are a lot of questions you need to ask yourself when shopping for home insurance, it can feel overwhelming at times. That is why this information is here to help you from at least one part of the process. 

If you are a homeowner you know how important home insurance is to keep your property protected from all manner of potential problems. Knowing how important it is to your home means asking the questions that matter. This includes what you need to protect your home from, how much it might cost for a policy, and what policy you should consider. It is important to note that comparing your insurance offers to find the best rates is also valuable. 

Your home may be one of the most important investments in your life, and you want to keep you and your family safe. 

This advice is useful for doing all of the above, so check out these questions to ask yourself when shopping for home insurance.

What condition is my house in?

You should do an evaluation and figure out how good, or bad, condition your home is in. The state of your property will determine how much your insurance policy may cost or who will cover you. 

Things like structural damage, damage to your plumbing/electrical, age of your home, and location can affect how your home insurance policy will look. These conditions can be easily observed by most people, a broken roof is obvious to almost anyone. However, other problems like your plumbing or electrical may require some professional evaluation. 

It’s not fun, but sometimes it has to be done, especially if you know you live in an older home but aren’t sure about how everything looks inside the walls and pipes.

You should consider how valuable your home and belongings are, and how much you need to cover.

What is the value of my property and belongings?

The total value of your property will determine a lot about your home insurance quote. Having a high value to your home will let you know that you should try to find an appropriately sized insurance policy. Home insurance policies may change depending on the value of your property and belongings so don’t be afraid to compare as many as you can.

Covering any potential damage is important in the event of a loss of property. This doesn’t just include the home itself. This total loss of property coverage includes belongings in the home that you would like to insure as well. The information at Money Expert can help in determining how you want to cover your home, your valuables and other belongings. Protecting your home is one question for the insurance policy you need, the other is how will it protect your stuff.

In the case of personal property coverage, you want to calculate the loss from damage to the home and your belongings. Ask yourself what kind of personal property you have is most valuable, and do an inventory check on them, then compare the coverage you get from multiple insurance offers.

What does my area have to do with coverage?

Your neighborhood or property’s area plays a major factor in what kind of home insurance policy you should look for. The reason for these factors are natural causes.

Natural conditions like natural disasters (earthquakes, hurricanes, tornado’s, flooding) are one of the things that insurance companies look for. The other factors to consider are how close your home is to emergency services, financial value of the area homes, and differing rates of insurance that are determined by government bodies. 

Knowing how the variables in your home’s area can change your home insurance policy options will be good use to you in your search for the right one.

How can I reduce the cost of my home insurance?

There are a lot of ways you can reduce your home insurance costs so you are not stuck footing a bigger bill. In fact, most of these are ways that you are already eligible to claim without even knowing.

Installing security features in your home or around it will help reduce insurance costs for your home. Fences if you have pets, children or a pool, and security cameras or alarm systems are both ways you can reduce potential risks.

People who are often home, most likely stay at homes or retired persons, can also benefit with their home insurance policy. The reason for this is that someone who is at home is more likely to spot damage to their home or a potential disaster (ex. fire) and take action. 

While you are shopping for an insurance policy for your home, there are important questions you need to consider.

These questions include how your home’s condition. You should consider how valuable your home and belongings are, and how much you need to cover. The area of your home and what weather conditions can be like. As well as ways you can reduce your insurance costs.

Health & Wellness

Sexual minority men who smoke report worse mental health, more frequent substance use

LGBTQ+ people are more likely to smoke than their cisgender and heterosexual peers to cope with an anti-LGBTQ+ society, inadequate health care access and decades of targeted tobacco marketing. Those social stressors drive the health disparities they face, which are compounded by a lack of LGBTQ-affirming healthcare providers, research shows.

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Cigarette smoking is associated with frequent substance use and poor behavioral and physical health in sexual and gender minority populations, according to Rutgers researchers.

The study, published in the journal Annals of Behavioral Medicine, examined tobacco use by sexual minority men and transgender women to better understand the relationships between smoking, substance use and mental, psychosocial and general health.

The researchers, who are part of the Rutgers School of Public Health’s Center for Health, Identity, Behavior and Prevention Studies, surveyed 665 racially, ethnically and socioeconomically diverse sexual minority men and transgender women, 70 percent of whom reported smoking cigarettes.

They found that smoking was associated with participants’ race/ethnicity, marijuana and alcohol use and mental health. Current smokers were more likely to be white and reported more days of marijuana use in the past month. The study also found that current smoking was associated with more severe anxiety symptoms and more frequent alcohol use.

“Evidence also tells us that smoking is associated with worse mental health and increased substance use, but we don’t know how these conditions are related to each other, exacerbating and mutually reinforcing their effects,” said Perry N. Halkitis, dean of the Rutgers School of Public Health and the study’s senior author.

LGBTQ+ people are more likely to smoke than their cisgender and heterosexual peers to cope with an anti-LGBTQ+ society, inadequate health care access and decades of targeted tobacco marketing. Those social stressors drive the health disparities they face, which are compounded by a lack of LGBTQ-affirming healthcare providers, research shows.

“Our findings underscore the importance of holistic approaches to tobacco treatment that account for psychosocial drivers of substance use and that address the complex relationships between mental health and use of substances like alcohol, tobacco and marijuana,” said Caleb LoSchiavo, a doctoral student at the Rutgers School of Public Health and the study’s first author.

The study recommends further research examining the social determinants of disparities in substance use among marginalized populations and how interpersonal and systemic stressors contribute to poorer physical and mental health for minority populations.

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Health & Wellness

Notable percentage of trans men who have sex with men never got tested for HIV, bacterial and viral STIs

When considering screening for HIV and sexually transmitted infections (STIs), transgender men who have sex with men (TMSM) represent an understudied population. A study found that a notable percentage of TMSM had never tested for HIV and bacterial and viral STIs.

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When considering screening for HIV and sexually transmitted infections (STIs), transgender men who have sex with men (TMSM) represent an understudied population. A study found that a notable percentage of TMSM had never tested for HIV and bacterial and viral STIs.

In “Sociodemographic and behavioural factors associated with testing for HIV and STIs in a US nationwide sample of transgender men who have sex with men” – done by Nadav Antebi-Gruszka, Ali J. Talan, Sari L. Reisner and Jonathon Rendina, and published in BMJ Journals – researchers tried to examine HIV and STI testing prevalence among TMSM along with the factors associated with testing in a diverse sample of TMSM. They used data from a cross-sectional online convenience sample of 192 TMSM, analyzed using multivariable binary logistic regression models to examine the association between sociodemographic and behavioral factors and lifetime testing for HIV, bacterial STIs and viral STIs, as well as past year testing for HIV.

The researchers found that more than two-thirds of TMSM reported lifetime testing for HIV (71.4%), bacterial STIs (66.7%), and viral STIs (70.8%), and 60.9% had received HIV testing in the past year. Engaging in condomless anal sex with a casual partner whose HIV status is different or unknown and having fewer than two casual partners in the past six months were related to lower odds of lifetime HIV, bacterial STI, viral STI and past year HIV testing.

Being younger in age was related to lower probability of testing for HIV, bacterial STIs and viral STIs.

The domiciles of the TMSM also affected their health-seeking behaviors. In this study, those residing in the South of the US were less likely to be tested for HIV and viral STIs in their lifetime, and for HIV in the past year.

Finally, lower odds of lifetime testing for viral STIs was found among TMSM who reported no drug use in the past six months.

According to the researchers, these findings indicate that a notable percentage of TMSM had never tested for HIV and bacterial and viral STIs, though at rates only somewhat lower than among cisgender MSM despite similar patterns of risk behavior.

They recommend for “efforts to increase HIV/STI testing among TMSM, especially among those who engage in condomless anal sex.”

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Health & Wellness

People with anorexia and body dysmorphic disorder show brain similarities, differences

Eating disorders and body dysmorphic disorder are more than simply choosing to eat or not eat or not liking how you look. These are brain abnormalities, and how we treat those brain abnormalities could be with psychotherapy, or psychiatric medications, but brain changes need to happen in order to address these disorders.”

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A new UCLA study shows partially overlapping patterns of brain function in people with anorexia nervosa and those with body dysmorphic disorder, a related psychiatric condition characterized by misperception that particular physical characteristics are defective.

The study, published in the peer-reviewed journal Brain Imaging and Behavior, found that abnormalities in brain function are related to severity of symptoms in both disorders, and may be useful in developing new treatment methods.

The results reinforce the understanding that eating disorders and body dysmorphic disorder are more than simply choosing to eat or not eat or not liking how you look. “These are brain abnormalities, and how we treat those brain abnormalities could be with psychotherapy, or psychiatric medications, but brain changes need to happen in order to address these disorders,” says Dr. Wesley Kerr, neurology resident and biostatistics researcher at UCLA.

For the study, the researchers recruited 64 female participants: 20 with anorexia nervosa, 23 with body dysmorphic disorder, and 21 healthy controls. Patients with anorexia nervosa have a distorted body image and an intense fear of gaining weight, leading them to eat very little. Body dysmorphic disorder (BDD) is characterized by obsessions with a particular body part or a perceived flaw rather than with weight.

Eating disorders and body dysmorphic disorder are more than simply choosing to eat or not eat or not liking how you look.

Participants were shown images of male and female bodies while researchers observed their brain activity via MRI. Three types of images were used: normal photos, “low spatial frequency” (LSF) images, which had details blurred out, and “high spatial frequency” (HSF) images, in which the edges and details were accentuated.

Functional MRI is a brain imaging technique that detects the blood flow within the brain, allowing researchers to see which parts of the brain are active while a person is doing various tasks. It can also be used to understand what brain regions’ activities are in sync with each other; that is, “connected.”

Each of the women performed a “matching” task while inside the MRI scanner. On the top of the screen, the person would see an image of a body, and would have to choose the matching body from two images shown on the bottom of the screen.

While viewing the images that differed from those of healthy individuals, people with anorexia nervosa and those with BDD showed patterns of activity and connectivity in visual and parietal brain networks. These abnormalities in activity were different in BDD and anorexia nervosa, whereas the connectivity abnormalities were largely similar. The more severe the symptoms, the more pronounced the pattern of brain activity and connectivity when the images were viewed, particularly for the LSF images. Further, connectivity and activity abnormalities were associated with how the participants judged the appearance and body weight of the individuals in the photos.

What the researchers saw indicated that while the brains of patients with anorexia nervosa and those with BDD abnormally process images with high, low, or normal levels of detail, the abnormalities for low level of detail, that is “low spatial frequency” images, have the most direct relationships to symptom severity and body perception. The results may help researchers understand the underlying neurobiology that leads to the characteristic body image distortions in both cases.

“This gives us a clearer picture of neurological basis for what is one disorder, what is the other, and what characteristics they share,” said Dr. Jamie Feusner, senior author and professor of psychiatry and biobehavioral sciences at the Jane and Terry Semel Institute for Neuroscience and Human Behavior at UCLA.

A next step for the research will be to see whether, with existing psychotherapy and medication treatments, the brain activity in patients begins to normalize, or else changes in a different way to compensate for underlying abnormalities.

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Lifestyle & Culture

Things only old-school Pac-Man fans will appreciate

Long before best payout casino games or 3D video games were popular, there was Pac-Man. Although the young generation might not quite appreciate the game, it is really one of the best games, and only old school Pac-Man fans will understand this.

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Pac-Man is one video game that has been around for the longest time. In fact, this game was released back in the 80s and has managed to stand the test of time. In fact, Pac-Man is actually one of the top-grossing game franchises of all time.

Long before best payout casino games or 3D video games were popular, there was Pac-Man. Although the young generation might not quite appreciate the game, it is really one of the best games, and only old school Pac-Man fans will understand this.

Below, we list some of the things that old school Pac-Man fans will appreciate about the game. Enjoy!

Pac-Man Was The First Game With Major Merchandise

We guess that when Pac-Man was first released, it was at a time when mainstream media had just started realizing the power of merchandising. Thus, a lot of products were made that carried the game logo or character on the packaging. This increased sales astoundingly. As a result, Pac-Man became popular amongst all people of all ages.

The Pac-Man Cartoon Was Pretty Good In Its Day

The Pac-Man cartoon was made as a spin-off to the video game. While many cartoons like these seemed to fail, that didn’t happen with Pac-Man. In fact, back in the day, Pac-Man was a really pretty cool cartoon.

Pac-Man Fever Was A Huge Hit

Pac-Man Fever is the soundtrack album of the game that was released on cassette, vinyl, and 8-track. The album carried a total of 8 songs that were based on video games and meilleurs jeux au casino . The album was so popular that the title track actually became a top 10 hit, and it also got featured in a few TV shows. 

Of course, the young generation may not understand it, but the album was pretty cool when it was released. It’s not surprising to see some die-hard fans of the game jamming along to some of the songs today.

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Lifestyle & Culture

How SMEs can practice more effective digital marketing

This article is going to help you establish yourself in the market.

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Digital marketing is the perfect way that you can get to grow and firmly establish your business.  The best thing is that there are a lot of tools that you can get to use in order to be successful. You might want to start your own fashion network, online casino and so many other lucrative businesses. This article is going to help you establish yourself in the market.

Improve Your SEO Skills

The best way to be able to stand out is by making sure that your business is the highest ranking on google. That way you can get to come out on top of the completion. Also, you will get to be the buyer’s first choice. Considering that the buyer will not have the time to scroll through all the pages, they will just pick from the first pages that they see on Google. 

The best part is that there are a lot of tools that you can use to achieve this.  For example, the Neil Patel Ubber suggests platform or the SEMrush Assist tool will give you all that you need to know about your competition and what you can do to outrank them.

Do Your Keyword Research

This is the most important that you will need to do to make sure that you rank. And, even if you are at the top, you should continue monitoring your pages and make sure that you are on the right track. Remember, there is a lot of competition that will be wanting to outrank you, more especial on machine a sous industry .  And, the best part is that there are tools that you can easily use for all this.

 Keep Audiences Locked In

 The best way that you can get to do this is by starting your blog. That way there will be frequent traffic on your page. Also, the blogs may be a way of getting even more people to know about your services.  Hence, research on the latest news and start uploading now.

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Lifestyle & Culture

How to choose a dating site that works for you

There are hundreds of sites to choose from and millions of people using them from all around the world. So, how do you choose the right dating site for you?

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Online dating can be a really easy and fun way to meet new singles and put yourself in with a chance of finding a great relationship. Today, online dating is one of the most popular ways to meet somebody new, and every year thousands of partners meet online. Whatever kind of relationship you’re looking for and no matter what stage you’re at in your life, online dating can be a great way to find what you want. However, online dating can also be quite overwhelming.

There are hundreds of sites to choose from and millions of people using them from all around the world. So, how do you choose the right dating site for you?

Be Clear on What You’re Looking For

Knowing what you’re looking for in a relationship before you get started will make it easier for you to find the right dating site for your needs. If you’re not sure what you want, this #1 trusted dating site in San Jose ticks all the boxes and offers a wide range of features to suit everybody. Whether you’re looking for a casual fling or want to eventually get married, find a site that caters to those needs and is likely to attract people who are looking for the same thing as you are. 

Consider Your Location

It’s a good idea to consider your area when choosing a dating site. The last thing that you want is to end up signing up to and potentially paying for a site that isn’t very popular with singles in your area. If you’re not sure then it’s a good idea to sign up to a site that’s popular in many different areas so that you can be sure you will meet local singles. You can sign up for Meetville here: https://meetville.com/catalog/us/ca/95631/woman

Check the Reputation

Don’t waste your money on a dating site that doesn’t have a good reputation. Before choosing the right site for you, take some time to research your options and find one that is well-known for bringing successful couples together. There are some other important considerations to make, too, such as the level of security on the site and how seriously any untoward messages or abuse towards members is taken. 

Try it Out

The good news is that many good dating sites and apps offer a free version or a limited free trial that you can take advantage of before you decide to commit to paying. Sign up for as many free trials as you can find so that you’ve got a good chance of finding a site or a couple of sites that work better for you than others. Remember, if you find a few different dating sites that you like there’s nothing wrong with using a few different once at the same time to get even more matches. 

The world of online dating can be a fun way to meet new people when you’re single and potentially find your perfect partner. Keep these tips in mind and find a dating site that works well for you. 

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