Category Archives: Financial Planner

Frequently Asked Questions About Tenant Insurance in Calgary

by

Eric Melara

If you are renting an apartment or a home, you may be thinking about getting tenant insurance in Calgary. However, many people question what exactly it is, if it is needed and if it is worth the cost. Here is a list of frequently asked questions about tenant insurance in Calgary and the answer.

What is Tenant Insurance in Calgary?

Tenant insurance protects you, as a tenant, in two different ways. First, if the space you were renting were to be damaged and that damage damages your property or belongings, the landlord has no legal obligation to reimburse you for your damaged items. If you don\’t have tenant insurance, you are out the money for those belongings. However, if you have the insurance, that insurance compensates you for your belongings. Secondly, in Canada, tenants are responsible for any damage that they or their guests cause to a home or apartment building. If you leave a candle going and the candle starts a fire, you are responsible. Or, if you cause a clog in the plumbing line and the pipe bursts, you are responsible for those damages and repairs. This can amount to thousands of dollars, so it is best to get tenant insurance to protect yourself.

Do I Need Tenant Insurance?

Many landlords and apartments do require you to submit proof that you have tenant insurance in Calgary before they will allow you to move in. This is completely legal. However, if the landlord does not require it, there is no law that states you must carry it. If the landlord does not require it, it is up to you to decide if you need it or not.

Is Tenant Insurance in Calgary Worth the Cost?

Many tenants feel that tenant insurance is well worth the costs. There are many things that can cause a lot of damage to a property that are beyond your control. Unfortunately, you can held responsible for these damages and they can amount to a lot of money. If you don\’t have the money to pay for damages, the landlord can sue you and garnish your wages. This can affect your credit and how much money you bring in. Many people feel that purchasing the insurance is well worth the cost simply because of the peace of mind you are given. You don\’t have to worry about what would happen if you accidentally started a fire while cooking or how you would replace all of your furniture if there was a flood.

Are There Different Types of Tenant Insurance Policies?

There are two basic types of tenant insurance types. One is called basic liability tenant insurance. Basic liability insurance covers damages that are accidentally done to a building, such as starting a fire or causing a pipe to burst. The second type of coverage is contents coverage. This covers your possession and belongings that are stored in the unit. If someone breaks in, if there is a flood or if there is a fire and your possessions are destroyed or missing, insurance will cover them. If you want both types of tenant insurance, you should look for full coverage tenant insurance, which combines both of these.

Where Do I Get Tenant Insurance?

There are a number of different places you can look for insurance. Basically, any insurance company that offers homeowner\’s insurance, will offer tenant insurance. If you are having a difficult time finding insurance, ask your landlord who they insure their home through and there is a good chance that the company will also offer tenant insurance. In addition to going through insurance companies directly, you can go through an insurance broker. A broker can help you compare prices amongst many different insurance companies, helping you to find the most affordable plan or the plan with the best coverage.

Eric Melara is a free lance writer who works on behalf of http://www.acinsurance.ca/insurance-brokers-calgary-products/personal-insurance/tenants-insurance-calgary.html specializing in all of your tenant insurance needs. He enjoys hiking, literature and country dancing.

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ArticleRich.com

By Alex Lemone

Regifting is becoming more popular and more accepted these days. It is good for the environment, cuts down on clutter, and keeps the gift receivers happy. But if you are the one doing the giving, you usually hope that your gift won’t be regifted or returned. How to keep your gift out of the regift pile? Here are five gifts that won’t be regifted.

1. Money

Money is the quintessential wedding gift. It’s pretty, it smells good, and it is the key to unlocking any of one’s desires. People getting married are often saving for big purchases. They may have enough of the commonly-given household gifts, but they may need to buy a house to put them in. Or, the gifts they want, possibly movies or furniture, might be inappropriate to ask for in a registry or wish list. Giving the gift of money gives people a strong financial foundation and it allows them to purchase exactly the things they need.

2. A large gift from their registry or wish list

People may get a little crazy and register for just about anything for their wish list or registry. It can be difficult to figure out what gifts they want the most. First, pay attention to the place in the registry that tells you how many of an item the couple wants and how many have been purchased. This is not a fool-proof way to ensure you won’t get a duplicate; guests are free to buy gifts from a non-registry store, for instance, but it is a good safeguard. Next, look at the larger or more expensive gifts on the registry. Purchasing one of these makes it very unlikely they will get duplicates, and they certainly wouldn’t want to regift something that dear.

3. Honeymoon registry

This is a little like giving money in that it is an intangible gift. It is a very special one, though. For many couples, the honeymoon is the only chance they get to have an all-out vacation before life and family get in the way. Many couples can’t afford a honeymoon these days. Putting money toward a honeymoon package gives them a chance to have a vacation they otherwise may not be able to afford. A gift toward a honeymoon is certainly not regiftable and you can often choose to buy certain amenities, such as airfare, dinner, or a massage.

4. An heirloom

This isn’t a foolproof gift, so don’t go overboard with this one. Take the bridal couple’s tastes into account. Remember that just because you like something, doesn’t mean they will. Tasteful heirlooms are: wedding ring quilts, family silver or china, antique furniture, and jewelry. Heirlooms inappropriate as wedding gifts are: macrame, crocheted afghans, knick knacks, and handmade baby clothes (hold your horses, we’re not there yet!). Remember that just because something is handmade or old, doesn’t make it an heirloom.

5. A big ticket item

Buy someone a house, car, or Recreational Vehicle, and you can be pretty sure they won’t regift it. If you have the means and are amenable to this option, get a feel for what the couple is looking for. It is a good decision to give the couple a letter showing your intent to purchase them a house and then let them choose the house they desire. That will make sure they’ll get exactly what they need.

If you are concerned with giving someone a gift that they will enjoy, it is appropriate to ask them what they want. Tell them how important they are to you and let them know you want to get the gift right. Your earnest attitude and desire to please is a gift in itself, one that will tell them how much you care. That is as good a gift as any tangible present, any day.

About the Author: Alex Lemone writes about wedding and event related topics. For more gift giving tips and wedding planning ideas or to check out some other wedding ideas, go to Wedding Ideas Etc. Note: You may reprint this article on your website, newsletter, or blog as long as the resource box remains in tact and hyperlinks stay active and dofollow.

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By Mike Dougherty

These tips and guidelines will help your child and all her guests enjoy their party and learn proper manners.

How much you follow accepted etiquette really depends on the age of your child and her guests.

For a very young group you may find that simply instructing them to say “please” and “thank you” and to ask for things to be passed rather than reaching for them is acceptable etiquette at your party.

As a parent it might be helpful if you stand beside the table and gently offer guidance as you go. You could even start your party by giving all your guests a short lesson in this party etiquette.

For older children you can use more proper etiquette, but in either case it will be necessary for you to instruct your child and their guests in the fine art of tea party etiquette that you are expecting them to follow.

Have fun

While following good etiquette will make your party more enjoyable and at the same time provide everyone with at least a little education in proper manners, you don’t want your child or their guests to worry about making a mistake.

Make sure everyone understands that if they forget and make a mistake, it’s all right. Tell them to have fun and do their best to remember the etiquette guidelines.

Tea Party Etiquette

I’ve put together a list of helpful tips and guidelines that will help everyone better understand how to do things properly at a tea party without getting too stuffy and formal. We are after all putting together a party for young girls.

A Birthday Tea Party is a wonderful opportunity for your birthday child and her party guests to not only have a lot of fun, but to learn proper manners as well.

Keep in mind the ages of your birthday child and her guests. For very young children you can’t expect them to understand or use much in the way of formal tea etiquette, so you may want to try using only a few simple tea party etiquette guidelines.

Send Your Guests The Etiquette Guidelines

If you feel that your birthday child and her guests are old enough to understand, observe and use more of the following tea party etiquette guidelines, you might want to copy the list we’ve provided here and send these guidelines along with your invitations, informing your guests that you will be following this list of tea party etiquette guidelines. That way, each guest will have an opportunity to become familiar with tea party etiquette and will be more comfortable at your party.

A Gentle Reminder – The Etiquette Game

You can also take a few minutes at the beginning of your tea party to go over these simple guidelines with your guests so that everyone can have fun doing their best to follow the proper etiquette that is expected. You can even make this into a game and reward the guests who observe the best etiquette.

Preparing Your Tea Party

One word about preparing your tea party. Your tea should be served from teapots. Tea bags are just too messy.

Remember It’s Fun

I’ve already said this, but it’s worth repeating. The most important thing to remember is to make sure your birthday child and all her guests have fun. Observing proper tea party etiquette can be a fun part of the party experience, but you don’t want to make your party atmosphere too stiff because everyone is “worried” they will make a mistake.

Tea Party Etiquette Tips and Guidelines

Since most tea party foods are “finger foods” it is perfectly alright to eat with your fingers. If something is a bit messy, use your fork or spoon.

Break off bite-sized pieces of larger foods unless they are messy. In that case, use your fork or spoon

Take bites of small sandwiches. Even if the sandwich is tiny, never put the entire sandwich in your mouth.

When you sugar your tea, be careful not to dip the serving tong or spoon into your tea.

Stir sugar or milk into your tea with your teaspoon. When you are finished stiring, place your teaspoon on your cup saucer.

Drink your tea by holding your cup and saucer up to your chest, then take your teacup off of your saucer and bring your teacup up to your mouth and take a drink.

Don’t slurp or gulp you tea. Just take small sips.

Hold your teacup normally, it is not necessary to “stick out your little finger” (your pinky) while drinking your tea.

If your tea seems too hot to drink, place your cup back on the saucer and return your cup and saucer to the table to let your tea cool off. Never blow on your tea.

You should not reach across the table to pick things up. Instead, politely ask someone to pass the item to you. “Excuse me Cindy, could you please pass the sandwiches?”

Remember to say “please” and “thank you” and “excuse me.”

It’s not polite to talk with your mouth full of food.

Cover your mouth if you need to cough or sneeze.

Be careful not to talk too much, let everyone have a chance to join in the conversation.

Remember to use your napkin.

Do your best to remember and use these etiquette tips and guidelines, but if you forget to do some things properly, don’t worry, have fun.

Thank You Notes

After your child’s tea party is over, proper etiquette also calls for thank you notes to be sent to your party guests. This is a great project for you and your birthday child to work on together.

A Closing Thought

These simple tea party etiquette tips and guidelines will help make your child’s birthday tea party a great success and one they will remember fondly for years to come.

About the Author: Mike Dougherty has put together lots of successful birthday parties for his children and grandchildren. To learn more visit

fun-kid-birthday-parties.com/birthday-tea-party.html

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