Insuring Your Smartphone: Is Smartphone Insurance Worth The Price?

Nearly every smartphone and retail electronics company on the planet offers some form of insurance for their devices. These can range from Apple’s Applecare+ package to bespoke packages offered by outside companies. While these packages are undoubtedly popular, there are many users who go without insuring their phones. Troll Forsikring offers a wide range of insurance policies. Their most popular one is car insurance. Check out their website here, for more information:

Plans That Apply To Smartphone Users

In the case of AppleCare+, you can benefit from a policy that offers two years of customer support and two replacement phones if anything should happen to the devices for a one-time cost of $99 plus a $79 deductible. This can only be purchased when you get the phone, however.

Many outside companies offer similar plans that can be purchased at any time, and these offer larger compensations, in some cases up to four replacement phones during their plan period.

The fact that Americans have, in total, spent over $4.8 billion dollars on iPhone repairs and replacements alone in the past two years seems evidence enough that an insurance plan for your handheld device is worth its small price.

Identifying Your Device’s Shelf Life And Durability

A major element of the decision of whether to insure your retail electronics devices has to be decided as a function of how cautiously you live. The best way to do this is to check your own personal records and determine how many times you have purchased a new phone in the past five years.

If you have averaged more than a single phone in every two years, then you could benefit from accident insurance. Many users will claim to be very careful with their electronics, yet still seem to be forced into buying new phones every 8 months – a clear reason why it is important to look backwards and determine if you should insure.

An important element of this decision also comes from determining whether your device’s unique shelf life merits the investment. Apple claims that their devices are meant to operate for two or three years at maximum functionality. Other manufacturer’s place higher five year estimates. If you plan on using the same device for longer, you could benefit from a plan that covers it.

Protecting Your Data

For many people, the most important part of their retail electronics usage is not the hardware involved, but the information that is stored on the device. Thinking that they are securing their data, they often mistakenly purchase insurance plans that do not cover backups.

In most cases, the responsibility of creating a backup of your most important data is squarely on the user of the device. In order to place this responsibility on an insurer, they would have to be enabled access to all of your documents, contacts, messages, and more: something that very few people would feel comfortable sharing.

For this reason, many insurance companies that specialize in insuring electronics and hardware specify that they do not provide a backup service and communicate clearly to the insured that their data is their own responsibility.

Face Wash for Combination Skin

Face Wash for Combination SkinPeople with combination skin may experience the problems of both oily and dry types of skin. You will notice this especially on the skin of your face. Some parts may become flaky and dry while others are oily, and may be prone to acne.

Your body naturally produces more oil on the forehead, the nose, and the areas around your chin and lips. This area forms the shape of a “T”, which is why it’s often called the T-zone. The rest of your facial skin may have less than adequate oil production, and will remain drier.

Face cleansers that work best for combination skin

Since your face has some over-oily places and some that are dry, it’s difficult for you to find products to properly care for your skin. Finding suitable face washes can be a problem, too. Since face washes are targeted for specific problem areas, the one for oily skin will dry out the already-dry areas by removing the oils. The professional people over at recommend Proactiv Plus. Similarly, dry skin face washes won’t clean the excess oil from the oily parts of your face.

Face washes are available for combination skin, and you can find them in cosmetic stores and online. These products are made to clean the excess oil of the T-zone without causing the dry parts of your face to become drier.

Face washes for combination skin need to be well-suited for both oily and dry skin. Check the label to be sure the product you select will work well on both types of facial skin.

Home-made face washes for combination skin

Since combination skin face washes may be hard to find, you’ll be happy to know that you can make washes at home that will care for both types of skin. Mix three to four lemon juice drops with two or three teaspoons of honey. Massage this into your face very gently, using circular motions. Use more on the T-zone.

Massaging this mixture into your skin for three or four minutes will help to clean both dry and oily skin. Use warm water to wash your face. This mixture will help to keep your face fresh and moisturized for hours.

An oatmeal and cucumber wash can also be useful for facial skin. Mix a cup of oatmeal with one half cup of cucumber juice. Mix these together until the consistency is paste-like. Rub small amounts into your facial skin with circular motions. Keep this up for two or three minutes. Then rinse your face off with warm water. The keeps oil and dryness at bay for three or four hours.

Milk and gram flour help to clean combination skin. Add one teaspoon of milk to one tablespoon or so of gram flour. Mix these ingredients together until the consistency is like paste. Apply this gently onto your face. Leave it sit for a few minutes and then rinse off with warm water.

Other helpful things for combination skin…

Even if you use effective face washes for combination skin, you can also take other steps to keep your skin healthy. Drinking plenty of water will help to clear away toxins. A healthy diet with lots of vegetables and fruits will add to your overall health, and to that of your skin, as well.

Tips on Choosing the Right Pet Insurance Plan

Pet insurance is a commonly offered insurance program that nonetheless receives relatively little attention from financial experts.

While most columns and editorials that offer insurance advice focus on car insurance, life insurance and home insurance, being prepared to take on your pet’s medical needs can be just as important, if not more so.

Sick DogUnderstanding the Basics

Medical insurance is widely understood and appreciated by many of the millions of people whose lives are saved by their insurance plans. Pet insurance (which is actually called dyreforsikring in Norwegian) operates on the same principle, but with a few pet-specific insurance principles that are worth keeping in mind:

  • Start Young – With the exception of certain rare animals, such as parrots and tortoises, you will definitely outlive your pet. This means that you are essentially guaranteeing yourself medical costs that will inevitably occur as the creature gets older. If you insure your pet when it is young and healthy, you can enjoy both low rates and a low deductible that will help you both when the time comes.
    In order to prevent the possibility of your medical needs remaining uncovered due to pre existing conditions, it is recommended to start the insurance plan as soon in your pet’s life as possible. This offers the best mutually beneficial situation for you, your pet and your insurance company.
  • Examine Your Coverage – Many people get pet insurance with the automatic assumption that whatever happens will be covered. Just like any other insurance plan, this is usually not the case. Some plans will not cover genetic disorders, while others will offer repayment options that are limited in scope. You should be aware of the exact terms of coverage before you sign up.
  • Discuss Terms. While a standard medical insurance plan will cover the costs of whatever operation is necessary for your pet’s health, you may be surprised to discover that the consultation prior to the operation is not always covered. The same goes for dental care, preventative care and any other special treatments your pet may eventually require.

Maintaining Your Pet’s Insurance Plan

Your pet’s needs will change throughout its life. In order to keep the quality of that life high while keeping your costs low at the same time, changes to your plan may become necessary. Some pet insurance companies offer plans that take this into account, while others do not.

If your insurance company offers a single static plan, you may want to look into it every year or two in order to anticipate the needs you may have in the near future. Prescription medication, for instance, is often not necessary in the middle of a dog’s life, but is often an important element of a puppy’s growth, as well as of an older dog’s health.

If your insurance company allows you to make adjustments to your plan, it could be worth it to balance out the necessary elements in order to make sure you are covered. Pet insurance does not have to be complicated, but a little bit of planning goes a long way.

How to Choose the Best Anti Wrinkle Cream

How to Choose the Best Anti Wrinkle CreamWhen you shop for the best anti wrinkle cream, it’s important to know the ingredients found in the most highly rated creams, and what these ingredients do for you. Select creams that have natural ingredients, since you will get better results from them.

The most beneficial ingredients found in creams for wrinkles include emollients, which ease the stress on your skin. Essential oils are helpful, to renew the sebum that is produced within the skin. You’ll also want to look for a product, like Advanced Dermatology, with moisturizers, to keep your skin well-moisturized at all times, and minerals and vitamins, to allow your skin structure to remain strong.

Many of these ingredients are found in various brands of wrinkle and anti-aging creams. They may be found in different quantities, and react with other ingredients in different ways. Select creams with ingredients that work at targeting the causes of aging signs and facial wrinkles. If the ingredients don’t approach these important issues, it will be more difficult to reduce the look of lines on your face. The best anti wrinkle cream brands work to keep your skin flexible and well-toned. They will help your skin to fight off the effects of free radicals, and give you a younger-looking face.

Customers of Kollagen Intensiv feel that this product is well worth the price. 90% of users feel that it is effective, and it’s an excellent choice as compared to more expensive injections and laser surgery. This product stimulates the production of collagen, which helps to provide dramatic results. Users agree that this product reduces their signs of aging, and gives them skin that looks younger, with wrinkles and fine lines becoming less noticeable. It also helps in the removal of dead skin cells, allowing healthy new cells to form.

LifeCell Skin is another popular skin cream that fights wrinkles. Users feel that it has the proper ingredients needed to help their skin appear younger-looking. They also appreciate that you can see results within just a few moments of use.

The ingredients in LifeCell are clinically tested for reducing sagging skin, puffiness around the eyes and wrinkles on the face. It even works for fine lines, which are sometimes difficult to cover or get rid of.

One user of LifeCell states that she discovered the product a year ago, and that it is meeting each of her goals. She uses it not only to get rid of wrinkles, but also to moisturize her skin. The nanoprisms that reflect light away from facial shadows also leave her feeling and looking younger. She has received many compliments about her skin, since using LifeCell Skin.

Products are only as good as their guarantee, and the best anti wrinkle cream products will offer you a money back guarantee if they don’t work as stated. LifeCell users appreciate the reduction in aging signs and wrinkles, as well as age spots. This product won’t dry your skin out, and it has a 100% Money Back Guarantee if you’re not pleased. They actually won’t even charge your credit card until your month’s trial is over, which is exceptional.

Kollagen Intensiv is a bit cheaper than some of the other products on the market, and it also offers you a 100% Money Back Guarantee if you are not happy with the results you achieve. Look for guarantees before you try products that claim to have the best anti wrinkle cream ingredients, so you know you’ll get results, or the money back to try another brand.

Simple Tips to Enhance Home Security

Are you aiming to enhance protection around your house, company, or parking area? Maybe you are simply planning to highlight landscaping work also. Either way exterior security lighting can be a fantastic way to enhance both of these. The use of a component like an outside flood light can help you enhance bushes, landscaped flower beds, flag poles, and even decorative benches in your yard or home. They come in many different designs and functions so you can be sure to discover ones that satisfy your specific requirements. Although these lights are known for design or decoration, they actually come highly recommended by top landscaping artists. They are a terrific method to accent greenery and flowers as well as designs places around your house.

One of the most common reasons house and homeowner purchase exterior flood lights is to increase protection. Having a well lit area helps keep robbers and other criminals away. It is thought that many crooks will not enter well lit areas. However, in today’s world some people are braver than others and have fewer morals. In this case if they do choose to approach your property that is equipped with flood lights it will make it simple for onlookers or next-door neighbors to determine if the police are needed. Ideally crime isn’t a concern for you and these lights just offer a means for your family or customers to see in the dark of the night. For whatever reason you decide to purchase these lights always ensure to do your research initially.

When it comes to purchasing outside lights there are usually three major kinds to pick from. Solar powered light, outdoor fluorescent lights, and LED flood lights are all choices you have when it concerns finding the very best lights. LED lights are becoming significantly preferred for a number of eco reasons. Initially, replacing these bulbs is significantly less expensive than that of solar or fluorescent bulbs. Also these LED lights are some of the top eco-friendly flood lights that are on the market, period. The LED options last longer and because of that they conserve you even more cash. With all the options you need to pick from it is very important to do a complete job of shopping around first.