Real Estate

Does Medical Insurance Cover Home Lifts in SA?

Home and stairlifts can offer persons with mobility impairments and disabilities a renewed sense of freedom and movement. Unfortunately, they can be pricey, burning the bridge of opportunity in this regard. What’s more, the initial price may not even include all the costs for services like installation, repairs and maintenance. 

Asking the company questions surrounding these costs can therefore be useful, if not detrimental, before making a purchase. Not only could this information benefit your pockets, but it may also help your argument when it comes to any claims made to your medical aid. 

So, is there a black and white answer when it comes to home lift medical cover?

Whether you’ll be covered by insurance or not, will largely depend on your unique situation and the insurance which you have chosen. Although mobility impairment is often a distant concern when you are younger – and therefore not always something we prepare for – it is bound to affect all of us at some point or another. For this reason, it might be worth enquiring about this with your insurance provider sooner rather than later. 

In the process of improving the mobility of your home – whether it be for yourself or for someone else – it can help to know what to look out for. This way, you can make sure you are getting the best possible price, value and services.

Look for a lift company that offers you flexibility and quality

It’s important to find a company that can design your lift or stairlift according to your unique requirements. Not only will this ensure that you receive the right choice for you, but this might help you to stay within your budget, too – especially important in instances where your insurance won’t cover you.  

When it comes to quality, choosing a well-known and reputable lift company that produces high quality products could go miles in the eyes of your insurance provider. At the end of the day, fewer breakdowns equal lower costs for everyone. So look for a lift company which offers value at a reasonable cost. 

Consider convenience vs. necessity 

In the case that your insurance provider chooses not to cover you, the likely cause will be that they see lifts and stairlifts as somewhat a luxury and convenience – even though this certainly isn’t the case for everyone. In the unfortunate instance where they won’t cover you, you might want to weigh the costs of scaling down to a single-floor home vs. investing in a lift or stairlift. 

Ask about maintenance, repair and installation fees

Certain lift companies may seem more cost-effective at first, but turn out to cost you a lot more down the road because they have hidden fees. If possible, find a company that offers you routine checks, annual repairs, 24/7 support and callouts at a low cost. As a best case scenario, you might even find these services free of charge. 

Not only will routine checks and repairs prevent any hidden costs, but they will also be more attractive to your insurance company should you seek their support. In addition,  around the clock support from the lift company you choose is essential, as having your lift break down unexpectedly can be extremely stressful, disruptive or even life-threatening. 

When in doubt, dial a friend

It might also help to keep in mind that there are many others out there who are facing similar situations to you every single day. So when in doubt, seek out and speak to someone already familiar with mobility impairment or disabilities. A few examples could include a local organisation, helpline, online support group or a friend. 

This way, you can get first-hand support, knowledge and advice surrounding your plan going forward. 

Simple Tips On How To Decorate Your House’s Interior

If you’re tired of staring at the same old walls in your home lately, consider interior decorating! Giving any room in your house a make-over can be fun, rewarding and even economically efficient. Consider the following tips to help you plan, prepare and produce your home decorating ideas with style.

Use versatile furniture in small rooms. For instance, use ottomans instead of chairs or sofa. Your ottoman can both be used as a table and as a seat. If each piece of furniture has at least two functions, you will not be as inhibited by a small room.

A great interior design tip is to always be aware of space when you’re designing. If you go crazy with a room it might end up getting cluttered. No matter how nice looking and well decorated a room is, if there isn’t enough space to move around no one will even bother to go in it.

Speak with friends or family before you take on a project. This will help you to get ideas that you may not think of, which you can incorporate into your project. Also, this helps you to reduce the chances of making an error as someone else may be able to spot it.

Try to incorporate a “warm haven” in one of the rooms in your house. This is an important area for you to have so that you can relax after a long day of work or school. Use tranquil colors in this room and try to include a fireplace in this area.

Be sure that every room has excellent lighting. Quality lighting will help you show off your home, and can even help a room feel bigger. If there’s a room in your home that has dark corners even with the lights turned on, invest in a stylish new lamp. It’ll make the whole room look better.

Arrange your furniture smartly. Walk around your rooms and take different paths: are you able to easily go from one room to the other? Furniture should not be in your way, and yet some items should be made central if you wish to create a theme or a color pattern based on a piece of furniture.

Instead of replacing your bedroom and kitchen drawers and cabinets, get new knobs and handles. Just a hint of silver on a handle, or a bright new knob, can bring old pieces back to life. Think about the atmosphere you want, and choose little pieces accordingly. You won’t have to spend a lot of money, and you will still see improvement.

Flowers and plants make a kitchen look alive and welcoming. Add some fresh greenery or fresh cut flowers to your table for a clean look that brings the outdoors in. Just make sure to keep your plants and flowers in great condition or your room will look date and disheveled.

Having the same decor and furnishings for any length of time can make for a really boring home. Splash some color on the walls, hang dazzling curtains and turn everything inside out until you have found your decorating Zen! Hopefully this article has given you great ideas and new found inspiration.…

Making The Most On The Commercial Real Estate Market

Buying commercial real estate can be very intimidating to someone that has never done it before. It can easily lead to a bit of information overload because of all of the resources available to new buyers. Below are some tips to assist you in getting all of this information organized to where you can start buying commercial property smarter.

Be patient when handling a deal with a commercial property. The initial legwork is more involved than buying a home. There are more inspections, more work to be done and more paperwork to do. Build this time into your investment plans so that you won’t be caught off guard.

Hire a professional to rent out your income properties. Saving money can be tempting when it comes to doing it yourself, but the time involved and the pitfalls of making a mistake with a renter are not worth it. Your time is valuable. Let a property manager take care of your investment for you.

If you are new in the real estate game it may be tempting to try to buy many different types of properties. while they may sound like a great idea, that is usually not the best thing to do because you would do better mastering one type of property instead of having multiple types that are just average.

Compared with residential properties, investing in commercial properties typically requires an initial down payment that is of a much higher percentage of the total cost. As a result, it is especially important to do your homework on commercial lenders in the area before agreeing to finance through any one company.

A ‘high traffic’ location is desirable for a business. How many people will pass by and see your store each day is important. But you should look more closely. Is there adequate parking? handicapped accessibility? can a left turn be made safely into your parking lot? These are all questions you will want to ask.

When buying commercial property remember that they do take longer than if you were going to buy a single family home. You don’t want to get impatient or rush into anything. Commercial property should not be looked at as a quick way to make some cash. Look at it as an investment.

Like many other things in life their are specific “selling” seasons even in real estate. For home owners this is typically around the beginning of the year, but there is more flexibility for commercial real estate. Make sure that you do some research in your area to see when is the high buying and selling season.

It is very important to have a good lawyer look over your commercial real estate contracts. Make sure they know all about real estate and can look over everything you have. This will insure that you will be protected and you will be getting the best deal possible.

Hopefully, these tips have provided you with some very valuable information, as well as given you a way to organize all of the thoughts and information you may have already had on buying commercial property. Keeping these tips in mind when you start buying can help you one day become a smarter commercial property buyer.…

How To Use Plants That Work With Your Landscaping Year Round

For some, landscaping can be a simple touch up job that slightly improves the overall look of a home. For others, it can be a science and a complete work of art, as they use advanced ideas and techniques to make any home look like a masterpiece. Whatever landscaping is for you, the following tips will help you get the best out of your landscaping endeavors.

While it may be tempting to have a solid cover installed over your out door space, it is a much better idea to install shade bars that are open. Less of the area will be covered, since there is open space, but it will allow more heat to escape so that you will be cooler.

If you are a beginner to landscaping, examine the older trees on your property to ensure they are safe and are not falling down. In order to protect your home or other items on your property, you may want to hire a professional tree limber that can ensure the safety of the property.

Prior to digging in to your landscaping or garden project, have the soil tested. This way, you will know what has to be put in or what has to go, and you can work on these things prior to planting. That way, your plants stand a better chance of thriving.

To help pay for your project, you should divide it into different stages. You will only have to pay for one stage at a time. If landscaping is a hobby for you, taking your time is important since creating the landscape is often more fun than maintaining it on a regular basis.

It is generally a good idea to evaluate the sunlight that is available to you before you start landscaping. This way you can plan what sort of plants will go where so that they receive the optimal amount of sunlight. You don’t want to have plants die because of too little or too much sun exposure.

A great way to determine which plants you want to include in your landscaping is to visit a gardening center. This will allow you to view a variety of plant life so that you can determine which plants best fit your style. Visit your local gardening center to help you make your landscaping as beautiful as possible.

Try talking to a pro before you start working on your landscape. You might not need a landscape designer or architect to draft your whole project, but for under $100, a consultation that lasts about an hour can be well worth the money if it prevents you from making costly mistakes later on.

The best way to screw up a landscaping project is to not have a plan. Without a plan before hand, your landscaping project will look like a hodgepodge of mismatched plants and items. Use a simple piece of graph paper and draw out your new plan prior to buying anything for the yard.

As you may have realized, landscaping has different meanings for those to do it. Some will think of it as a quick touch up job, while others will think of it as a whole artistic process full of style and grace. Using the tips above, any landscaping you do will look wonderful.…

Staying Ahead Of The Game In The World Of Commercial Real Estate

Purchasing commercial real estate can be much different than purchasing a home. Read on for a few suggestions and tips that could help you get a great deal.

If you are a landlord looking to rent out a house or apartment, it is crucial that you have the tenant fill out an application and go through a credit and background check. You do not want to be stuck with a tenant who won’t pay rent or trash your house, so also ask for references.

Try practicing patience and remain calm, if you are considering purchasing any commercial real estate. Do not invest into anything before thinking carefully. Going too fast could result in a loss that you could have seen coming had you stopped, researched, analyzed, evaluated, and cross-checked the potential with your desired goals. Some investors have to wait for a year or so before they find the right opportunity.

If you are considering investing in real estate, you should buy as many units as possible. You are going to need some kind of financing anyway, so why not borrow as much as possible? You will get more money from your investment, and when you buy many units together, the price of a single unit goes down.

When you are trying to consider which property to buy and you are having a hard time narrowing things down the best thing you can do is make a checklist. Review each property and the one that has the most check marks should be the one that you buy.

Be sure to do research on commercial lenders. You may be able to find a great deal somewhere you were not expecting. Also note you will be required to put up a hefty down payment. Keep in mind that if the deal falls through there typically will be no personal liability and commercial lenders may be lenient if you borrow a down payment from a different lender.

It is important to think like a professional in commercial real estate. Understanding that commercial real estate brings in a larger cash flow with multi-residential properties is key. For example: renting a one home property does bring in sufficient cash flow, but renting out a large complex of properties ie. apartments, brings in a lot more.

Put an advertisement in your local paper. These tend to be fairly inexpensive, but are also seen by many prospective clients, buyers, and sellers throughout your local area. Remember, many people (especially older people) do not use the Internet. Use this ad to your advantage by letting people know as many details about the property as you can, and give them an easy way to contact you.

Look into the neighborhood you’re planning on buying property in. Expensive, luxury-oriented businesses will thrive in more affluent neighborhoods. If your product or service tends to appeal primarily to lower or middle class consumers, look for commercial property in a more conservative neighborhood.

As you have read, there is much to ponder, when evaluating commercial real estate. Embrace this article’s advice to ease the process of finding your business’s future home.…

Need A Roof? Look No Further Than Here!

You wish to find out more information about putting a new roof on your home. There have been many innovations made in roofing over time, and given how long they last, it might have been quite some time since you’ve navigated your way through this field. Keep reading to find out some helpful hints about the roofing process.

Since you’re going up on your roof anyway to do work, clean the gutters while you’re there. Sometimes a leak can actually be the result of backed-up gutters. Try cleaning them out and then hose down the roof – if the leak doesn’t reappear, you may have actually solved the problem.

When replacing your roof, always use a reputable contractor. Make sure to find someone with experience and a good reputation in your area. While you might find that a less experienced roofer is also less expensive, keep in mind that you get what you pay for. Go for a professional, and your new roof will last!

If you have a leak and are going on your roof to search for it, bring a hose with you. You can spray the hose in order to find out where the leak is coming from. However, do not do this in the winter, as the water from the hose could cause ice.

Co-workers, friends, and family should be the first resources for picking a contractor. They will tell you about their experiences, including workmanship and price. As about how clean they were, too.

While giving a deposit to your roofer is normal, you shouldn’t pay for the job itself until it’s been completed. The rule of thumb is that the deposit shouldn’t be more than 25% of the roofer’s total estimate for the job. The roofer needs money in advance for materials, but they don’t need to be paid for labor that hasn’t been done.

See if your roofer offers a warranty. Even if you’re working with an excellent contractor, mistakes can happen, and you want to be sure you’re covered. Typically, most roofers offer warranties for roof replacements, but not the cost of replacements. See what’s available, consider it when you’re deciding who you should work with.

When hiring a contractor, be sure they they are experts in their field. You might need to speak with people you know to see if they have any recommendations for you. Hiring a contractor who is not properly licensed and experienced could cost you a lot.

Do not choose the first roofer you find in the phone book or online. By choosing the first roofer you read about, you may end up spending more money that you need to. Call numerous roofers and go with the most reliable one at the best price you can find.

Now that you’ve found out more about roofing, you should feel much better prepared and comfortable with moving forward. It is time to put a new roof on that home, and you’re now ready to do just that. Keep what you’ve read here in mind as you make your selections and watch the new roof go up.…

Fantastic Tips For Maintaining The Roof Of Your Home

There is a ton to know about your roof. It is easy to become overwhelmed with all the information. Having great advice readily available is crucial. In the article below, you can find a ton of great roofing tips.

If you find your roof leaking during rainy weather, don’t try and fix the problem until the weather gets better. There is not one quick way to patch your leak, and you could get hurt if you try to work on a wet, slippery roof. Fix the roof a day after the storm hits for the best results.

It is the spots which form valleys on your roof which tend to have the most problems. When seeking out the source or a leak or other issues, check these areas first. One improperly laid shingle or a hole torn by a violently installed nail can be the root of your problem.

When meeting with a professional roofer, ask to see a copy of their liability insurance. Any trustworthy roofer should have copies readily available. If they have a hard time providing you with their papers, they’re probably not someone you want to work with. When you’re trusting someone with your roof, you want all your bases covered.

When working on the roof yourself, make sure that the weather conditions are clear for your own safety. Hose off the shingles so you can have a clean workplace without a mess of leaves or other debris. You can also use the hose to find a leak in your roof.

Make a list of questions to ask before hiring a roofer. For instance, you should inquire as to how many nails will be used for each shingle. Generally, three nails are not enough. Ask them about which techniques they use and be sure you’re happy with their answer. If you are not happy with their response, find another roofer.

When selecting a roofer, you need to make sure that they have a liability insurance policy. Reliable roofers have this kind of insurance. Insurance is necessary to cover any accidents that may happen while your roof is being repaired.

Carefully check the written estimate that you are given by a professional roofer. Make sure to document when your project starts, the estimation of when it’s to be completed, and what payments are made. Avoid paying in full up front. Make sure the warranty is clear and that you understand what voids it.

Anyone who does work such as this absolutely needs to have insurance. If you have a roofer that isn’t insured and causes property damage, you may end up paying that bill. Don’t just speak with the person doing the job to see if they have the insurance, get documentation that they do and go over it carefully.

Don’t be overwhelmed by the amount of information to be had on the subject of roofing. You really don’t have to know every aspect of roofing to be great at it. If you just learn the important things, you are in a great place. In this article, we have presented a great deal of good information which you may now apply.…

Simple Tricks To Use When Investing In Real Estate

Do you want to learn more about investing in real estate? If so, you are in the right place. This article has several tips to help you begin. Once you have read it, you will have a greater understanding of the market. Use these tips to make sound choices in your investments.

Learn from others experienced in real estate investment. Lots of individuals are curious about investing in real estate. This is a passion that many people maintain. There are many forums that you can go to talk to people. Speak with people that are interested in this topic.

Find your comfort zone and stick with it. It is easier to get into a successful flow with your investing if you are focused on your market segment. No matter if you are a flipper or purchasing properties that require little money down, stick with the things you already understand.

If you want to get into real estate investing, but do not have enough money to buy a piece of property on your own, do not fret. Look at real estate investment trusts. Operating much like mutual funds, you can invest what funds you have available into a larger group pool and still make some money off of real estate mortgages.

Location is crucial. Many of the other factors, such as property condition can be changed. Properties that are in terrible areas will always be bad investments. Do the research needed to find those properties that will increase in value.

Keep an accountant on speed dial. You can be aware of tax laws and current taxation; however, there are many variables to keep in mind. A good accountant, that understands and keeps abreast of tax laws, can be an invaluable asset. Your success with investing can be made or broken by your approach to taxes.

Make sure that you select places that are well-known and in a great area that could garner a lot of interest from potential clients. This is imperative because it will be easier to sell the property. Try looking for properties that you can be kept up easily.

Prior to shelling out a lot of cash on any property, learn what you need to know. Errors in this field can be extremely costly. Your first investment should be in training yourself properly and know how to protect yourself.

When purchasing an investment property, it is a good idea to have an affordable handyman at your disposal. If you don’t do this, then you’ll be spending all of your profits on fixing things yourself. A dependable handyman will also come in handy for after-hours tenant emergencies.

Property management company’s can save you time, money and reduce stress. This will cost money, but it is usually a worthy investment. A good property management business screens your prospective renters and even handles repair issues. That will give you more time to look for additional investment opportunities.

Real estate is a popular way for people to invest their money. You can become one of those people by investing in the real estate market. These suggestions are a fabulous place to begin. Continue learning about the market. Before you know it, you will feel comfortable with the real estate market.…