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Quick Answers to your Questions regarding Mortgage Payment Protection Insurance

Loan and mortgage protection insurance is designed to help you, and your family keep up-to-date with your loan repayments, when life events happen unexpectedly and regardless of mitigating circumstances. Put simply, mortgages or loans are often long-term commitments, so it makes sense to protect them.

Do You Think About the Unexpected?

There are a number of reasons why even the most responsible money managers may get into financial difficulty. Any of the following reasons can strike at any time and will leave you struggling to make your loan repayments:

>> Change in health – due to sickness, injury or disease

>> Loss of income – due to involuntary unemployment, or

>> Death and Terminal illness – when cancer, stroke or heart attack, etc. may occur.

Loan and Mortgage Protection Insurance – The Benefits

There are a number of benefits you can get from having a loan and mortgage protection insurance plan in place, which include:

>> The premiums are fully tax deductible

>> Financial protection (you will save your family the worry of lost income)

>> You will save at tax time (you will get more money back in your tax return, and this means more money in your pocket)

>> You can choose how long you would like to receive cover benefits if you are injured and unable to work

>> Benefit payouts for total and permanent disability

>> A benefit amount (e.g. hospital cash) can be calculated for each night you spend in hospital

>> Associated accident costs can be provided to cover incidental costs (e.g. counseling and rehabilitation).

Common Questions regarding Loan and Mortgage Protection Insurance

Is Lenders Mortgage Insurance (LMI) different to Loan and Mortgage Insurance?

>> LMI – is compulsory and covers the lenders/credit providers if they lend you 80% or more

>> Loan and Mortgage Protection Insurance – covers your mortgage repayments in the event of death, sickness, unemployment or disability

Does the Unemployment Benefit apply if I am Self-Employed?

Yes. You may make a claim if:

>> You have worked in your business (for an average of 20 hours per week) for 180 days immediately prior to becoming unemployed, or

>> Your business has permanently ceased trading

What Happens to my Policy if my Unemployment Claim is Successful?

Your cover continues for death or terminal illness after making a successful unemployment claim, and your premium and benefits will remain the same.

Who will be the beneficiaries?

>> For a single life policy, the benefit will be paid to the policy owner or their estate, and

>> For a joint policy, the benefit payments are made to the policy owners jointly or to the surviving policy owner in the case of the death benefit

What happens if I need to make a claim and I have other insurance policies?

Upon acceptance of your claim, the loan or mortgage protection policy will payout a lump sum benefit directly to you or your estate and this will be in addition to any other payments you may receive from other insurance policies.

What if I am a Smoker now, will my Premium Change if I Stop Smoking?

>> Yes. Your premium can be changed to a non-smoker rate if you stop smoking for 12 consecutive months, and

>> You will need to make a declaration that you have not smoked any substance during this period

So, now that you are familiar with how “Loan and Mortgage Protection Insurance” can protect you and your family against any of life’s unexpected events, contact an insurance broker. He/she will understand your situation and suggest the best possible insurance policy for yourself.

Singh Finance is the perfect solution for your finance and insurance needs. The firm will help you in getting low rate home loan packages. It will also make sure that you get the best loan and mortgage protection insurance policy. Contact Singh Finance and get ready to make your life less stressful.

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Top Easy Ways To Get Your Kids To Eat Breakfast Daily For A Great Start

It is a complicated task to make the kids have their daily breakfast. It is a known fact that breakfast forms the most important part of the daily diet. It is the most vital part of the day when the body requires sugar and energy. The body is low on energy and requires glucose in the morning. Most of the energy is utilized in the night for assimilating the food in the body. It is easy to include simple breakfast ideas for kids to have a great start for the day.

There are simple ways to get your kids to eat breakfast. This includes introducing colors in the breakfast; kids are attracted to vibrant colors. The food plate should be filled with yellow sunny side up eggs with toasted multigrain bread and cherry sauce. Orange slices should be cut with pineapple cubes. This will encourage them to finish the food. It is perfect breakfast idea to make them finish the meal for great nutrients.

It can be difficult to focus on the idea of breakfast for good. It is useful to pack bags of dry cereal to snack on for the kids. This will ensure that they can munch on to healthy foods when they are hungry later in the morning. It is considered easy ways to get your kids to eat breakfast.

It is healthy to include protein-rich food. This will help to feel them full without feeling stuffed. This includes eggs, cheese, peanut butter, yogurt, non-fat milk, cottage cheese, beans, lean sliced deli meats etc., the diet that contains whole-grain carbohydrate is also a good idea. It is the preferred carbohydrates as it is a source of energy. Whole-grain cereals can be hot or cold with at least 3 grams of fiber per serving, whole-wheat crackers, whole-grain waffles as sweet and healthy option, a whole-wheat tortilla or whole grain bread work. This can be topped with cherry sauce or favorite fruits dressing too. It will add flavor to the recipe as easy ways to get your kids to eat breakfast.

Trail Mix can be prepared by mixing whole-grain cereal, shelled pistachios, favorite dried fruit. This should be mixed with a glass of low-fat or fat-free milk. It is useful option and easy ways to get your kids eat breakfast.

The idea of banana dog can be healthy which can be made by spreading a couple of tablespoons of peanut or almond butter on a whole-wheat hot dog bun. A banana can be peeled and placed inside the bun. It has great source of energy and it is ideal as easy ways to get your kids to eat breakfast.

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Architectural Consultants: Good Designers, Brilliant Project Managers

Many people often wonder what exactly it is that an architectural consultant does. Indeed, the role of an architect is a widely respected occupation and yet the specifics of the role seem somewhat vague – mysterious even.

The reason why it is perhaps so hard to clearly define what it is that an architectural consultant actually does is due to the fact that they carry out a variety of roles and, as such, it is hard to bracket the job description of ‘architect’ into any singular activity.

Masters of Management

The most common conception of the role of an architectural consultant is that they produce sketches and plans of what a proposed house or building will look like. Whilst this is the primary role it is by no means the be all and end all of the duties defined in their job remit. They are responsible for carrying out numerous jobs, often behind the scenes, so as to ensure that the construction of your property or building runs as smoothly as possible.

The role of an architectural consultant is effectively one that encompasses the full management of your proposed building project – from conception through to completion. When seeking to employ an architectural consultant for your project you are essentially employing someone to oversee every single aspect of your proposed work and providing a whole array of architectural services.

A Long Term Investment

An architectural consultant is responsible for co-ordinating a range of specialist consultants such as landscape designers, plumbers, builders, engineers, quantity surveyors and interior designers and making sure that the building project is carried out with as few hitches as possible, thus absorbing any additional stress that you may face from having to deal with swathes of people and professionals.

Whilst the initial outlay of finance required to hire an architect may be substantial it is important to look at their use as a long term investment that will enable you to actually save money over the course of time.

A reputable architectural consultant will offer you the benefit of experience and one of the most important aspects of this experience is building reputable contacts within all areas of the building industry. They can therefore ensure that a first class job is carried out on all areas of your proposed home or building by calling upon their favoured professionals to carry out the required work.

Red Tape Cutters

In addition to the professional contacts that they build up over the years, they are also well versed in negotiating the red tape of your local authority’s building regulations; thus enabling your project to be completed in a shorter amount of time. Again, the contacts that architectural consultants build up over the years with respective local councils enable a swift processing of the necessary application forms based upon a level of trust built up between the local council and local architecture firms.

Help with Building Your Home and Demolishing Your Stress

A good architectural consultant will help you to take care of every aspect of your building such as offering advice on building designs, landscape design and legal requirements right through to less stressful aspects such as interior design, colour schemes and what materials you wish to use. Ultimately, they contribute an unparalleled amount of knowledge to your proposal and minimises the amount of stress to yourself throughout the duration of your building project.

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