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 ofimproving 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.
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.…
If you’re a business owner or future business owner searching for real estate on which to run your business, there are a lot of factors to consider. If you’re new to the commercial real estate business you may find yourself overwhelmed. Read on for some important factors to consider when making choices.
An important tip to remember with rental real estate is to get the entire contract and terms in writing. This is important because this is your property and if anything goes wrong during the duration of rental, you want as much on paper to back you up as possible.
When choosing a property, it is important to look at the locality’s tax rate. As the closing costs include a prorated property tax, it increases the funds you need to close the deal. The higher the tax rate the more money you need to close escrow and you will pay more taxes over the years.
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.
You should consider commercial real estate to be a long term investment. Think about your decision thoroughly, take time to complete your transaction, and get your apartments ready before you rent them. You will be making money slowly at first, but once you have paid off your loan, you will be making huge profits.
Don’t settle on investing residential apartment properties as a safe bet. Many seasoned commercial investors are comfortable with apartment complexes, which often leads them to overlook other potentially lucrative property types: office buildings, trailer parks, or retail spaces. Consider your specific investment niche and your ideal portfolio and look for property types that appear to be a likely fit.
When shopping for commercial real estate, using a property broker will save you a great deal of money and time. The broker will do a good bit of the grunt work for you and will be able to broker a better deal for you as they have a better knowledge about the market and more information about it.
The cap rate in commercial real estate refers to calculate the overall value of income producing properties. Great examples for determining cap rates would be a strip mall, several in a row office buildings, and apartment complexes that have more than at least 5 units. Cap rates will help determine that amount of cash flow you can expect from your acquired commercial real estates.
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.
As you can see, there are a lot of factors that go into the decision of buying real estate for business purposes. Make sure to keep the information from this article in mind when shopping for the right property so that you can be sure that it will work for your business.…
The outside area around your home can be just as important to your mental and social health as the inside. You see your yard every time you look at the window or exit and enter your home. It is also something viewed by neighbors and visitors. Read on for tips, tricks and techniques that you can use for both better and easier landscaping.
Plant companion plants in your garden. These plants naturally work together to help each other repel pests and diseases. This can help you to have a healthier garden without the use of pesticides. You can find a lot of information on companion plants through a quick Internet search.
Make your landscaping look more natural by using uneven spacing. Do not measure and separate all your plants equally. It is unnatural to see plants and flowers all lined up in a row. Contribute to a more organic appearance in your landscaping by scattering your plantings in a more erratic pattern.
Do not forget your hardscape when it comes to your landscaping plans. A deck or patio is an important aspect in your landscape’s appearance. There are many options for decks and patios that include rock designs or woods that coordinate with the colors of your trees, shrubs and flowers. Do not forget this important aspect.
One of the most important things you can do to reduce your landscaping costs, is to draw up a plan before you begin buying plants, and building materials. Knowing what you need, and where it goes will prevent you from wasting money on unneeded items. You’ll save you time as well.
Always use odd numbers of plant groupings. It is more pleasing to the eye and more natural looking to see groups of 3, 5 or 7 plants than groups of 2, 4 or 6. Aim for plantings that are more triangle-shaped than square-shaped, and your landscaping will have more eye appeal.
Before you begin any landscaping project, it is important to check for any county codes or rules you may need to follow. For example, there are certain plants and heavy objects that will not be allowed on top of a septic drain field. A simple check with the county can locate the drain field and help you avoid disaster!
Do not overlook the havoc that certain landscaping features can wreak on your home and lawn. Certain trees’ root systems can damage your underground pipes. In addition, putting plants in some areas can affect the line of site for traffic or your driveway, creating a safety hazard. Take this into consideration when coming up with a landscaping plan.
As was mentioned earlier in the article, your landscaping and yard environment can either, welcome or deter neighbors and friends who visit. A relaxing yard around your home can also help you de-stress when you come home from the busy world. Now that you know some ideas you were previously unaware of, easily creating and maintaining a warm, welcoming outdoor environment, should be a breeze.…
Forgetting to do any landscaping on your home is like forgetting to get dressed and put makeup on, in the morning before you leave the house. It just shouldn’t be done. Take the time and use the ideas from this article to make sure that your home is looking its very best.
One landscaping tip that people should understand is to be wary of how new plants and trees will affect your home. There are a lot of things to consider such as pipes, gutters and roofing materials that you have to worry about whenever you are landscaping. Make sure you are prepared to deal with these things.
Invite wildlife into your garden. Birds, squirrels and butterflies can add beauty to a yard, and they will also benefit your plants. You can invite them into your yard by leaving out food, strategically placing bird feeders, and having sources of water spread throughout the garden. You will love watching the animals and listening to the birds every time you enter your garden.
Find alternative ways to get your materials. You can simply pick up stones on natural sites or bricks on demolition sites. Some cities give out free mulch or lumber. You should also talk with your neighbors and find out if they have any extra supplies they would sell you at a discounted price.
Before beginning a landscaping project, go to a home improvement or gardening store first to ensure you have the right equipment. Home Depot and other popular big box retailers not only carry everything you need, but also have knowledgeable staff who can provide advice and recommendations to help you on your next project.
Minimize your workload by eliminating excess flower beds, and borders. These additions to your landscape can be a haven for weeds, and hard to cut grass. By replacing them in your landscape plan, you will decrease the attention needed for weeding and unpleasant maintenance. Look for less cumbersome additions to your lawn.
Be sure that the lawnmower you choose is one of a good quality. Many times, people just buy whichever lawnmower is cheapest or on sale. Generally, these lawnmowers do not cut through grass properly, and they may break easier. Even though it may be more costly, a high-quality mower will usually do the job.
When selecting trees for your landscaping project, look for those with rough, glossy or peeling bark. Birch, crepe myrtle, paperbark maple and Japanese cherry trees all have interesting bark that can add texture and visual appeal to your landscape design. Choose trees with bark colors that complement other aspects of your landscape, such as stones or flowers.
Determine your expected costs before you begin your landscaping project. Many plants are seasonally priced, and could change in cost a good deal in just a few weeks. Know the seasons for plants, and get firm costs on your project. This will also help you to save money, as you can orient your plans towards saving money on seasonal plants.
Somewhere in the back of your mind, you realize that you have to do more to make your home presentable. Even if you think it is going to take a fortune to do so, this article has shown you that you can do it for a very affordable price and with just a few days, here and there.…