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1. What is a condo hotel or condotel? Think of a condo hotel (also sometimes called a condotel or hotel condo) as buying a condominium, although one that is part of a four-star caliber hotel. Therefore, as an owner, when you are on vacation, you'll get the benefit of more four-star services and amenities than you'd get in a typical condominium. 2. What types of services and amenities are found in condo hotels? If you can imagine the niceties you'd find in an upscale hotel, then you can picture a condo hotel. Among the features are often resort-style pools, full-service spas, state-of-the-art fitness centers, fine dining restaurants, concierge services and room service. In some locations, like Las Vegas, you'll find condo hotels with their own casinos, retail areas, and entertainment venues. In places like Orlando, you'll find condo hotels with their own water parks and convention facilities. 3. What is the difference between a condo hotel and a tradi...

A Loss Adjuster is an external professional appointed by an Insurance company to assess your household claim. The Adjuster will normally attend your property, discuss the claim circumstances and inspect any damage. They will then report to Insurers and a decision is made on whether your claim is covered and also determine the financial payout. Adjusters may be instructed to deal with the claim on a 'delegated authority' basis - this means they will make the claim decisions fully on behalf of the Insurer. Alternatively, usually on very large claims, they will act on a 'non delegated authority' basis whereby they will undertake the investigations and report back to the Insurance company who will then make the decisions and advise the Adjuster how to proceed. Why are Loss Adjusters appointed? An Adjuster may be appointed by an Insurer for a variety of reasons including: The claim is over a set value (in some cases, as low as £500) If the Insurer has concerns ...

According to UK statistics and in my own previous experience in Loss Adjusting, a large number of households are incorrectly insured - either under insured or over insured and both have different negative effects. Over Insured If you are over insured, you are likely to be paying a higher premium than necessary year after year thus wasting money and lining the pockets of the insurance company. This most commonly occurs on buildings insurance - many people insure their property based on it's market value rather than its rebuilding cost. The market value of a property in many locations is substantially higher than the rebuilding cost and as premiums are based on the sum insured value, you will be charged a higher premium rate if you have insured it in this way. Underinsured If you are underinsured, this means that your sums insured are lower than the actual rebuilding (for buildings cover) or new for old replacement value (for contents cover) and you will likely be pay...

What a joy it is to own a classic car! You restore it with love and display it with pride. It goes without saying you want to protect it right. So you head out to buy yourself classic car insurance... but wait! Not so fast. Read this before you do. You'll be glad you did. Coverage, coverage Insuring your classic is NOT the same as insurance a standard car. When it comes to classic auto insurance, carriers provide coverages on the stated value and the agreed value. Stated value- The insurer can opt to pay less than what a car has been insured for if they feel the insured value isn't accurate. Agreed value- The amount the vehicle is insured for is what is paid for in the event of a total loss. Insuring your car on the agreed value is the best way to insure a classic or antique car. Get that storage space! Your classic car is precious. You're obviously going to want to keep it safe when it's out on the road AND off the road. This is why it's a smart idea to...

Of the many different types of cancer that exists, asbestos caused lung melanoma, also know as bronchial carcinoma and mesothelioma, is now responsible for 1% of all cancer related deaths worldwide. Mesothelioma cancer is directly associated with the exposure to asbestos, of which shows no immediate detrimental signs to the health, and takes many years to develop within the body. Although it is extremely difficult to treat, once diagnosed, Chemotherapy, Immunotherapy and Stereotactic Body Radiosurgery, have all been used with a certain degree of success. Chemotherapy is commonly used to treat mesothelioma cancer due to its ability to either, attack directly, or to poison the dividing cancer cells anywhere in the body. However, healthy cells are also affected during the treatment, causing side effects that are usually attributed to the patients hair falling out as the hair cells are attacked along with the gastrointestinal, and normal bone marrow cells. Dacarbazine and Temo...

These three methods are used by millions of people to find their insurance, and everyone uses them in different ways. So, which is the best way? And how can you get insured as quickly as possible on a great policy? The fastest way for sure is to use the internet. Instead of spending hours on the phone and walking along the high-street, you are just a few clicks away from pretty much any major insurance company in the world. You can search for them based on their reputation, or their prices, or any other criteria that you are looking for, and there are no shortage of websites to help you choose a particular insurance company. All this can be done with minimal stress, minimal hassle, and can easily be logged so you know which insurance companies you have considered, which you have chosen to avoid, and which you are interested in. Another great advantage of using the internet is that you can get a quote in a matter of minutes. Instead of lengthy phone calls and long interv...

Although smoking is the main contributor to causing lung cancer, and giving-up the habit is an important factor in the prevention of it. There are still some other preventative measures that a person can be take. 1. Smoking in the leading cause of lung cancer, as it is responsible for between 80% and 90% of all diagnosed lung cancer cases. However, it is never to late to give-up smoking, as the benefits to the body are almost immediate. Within the first 30 minutes of smoking the last cigarette, the blood pressure lowers itself to a normal level again, together with the carbon monoxide in the lungs. After three months, the bodies circulation also returns to that of a non-smoker. After ten years, the risk of developing lung cancer is reduced by about 50%, and after a further five years, the risk of a heart attack also reduces to that of a non-smoker. 2. Second-hand smoke is the cause of over 3000 new cases of lung cancer every year in the USA alone. Although new anti-smok...

European travellers have an upbeat outlook on tourism despite the risks involved in aviation travel in the midst of global political uncertainty. In fact, the past two years have shown that the attitudes of Europeans towards travelling have been positive and they prefer to travel and spend their vacation in traditional tourist scenic spots. Although majority of them are conservative in their choice of destination, there is a significant increase in the number of travellers opting for more exotic locations. This means that the activities would vary from one place to another; which makes the issue of security and safety even more pronounced. Travellers are advised to observe safety precautions when travelling to foreign countries. The level of uncertainty when travelling is high and a safety net in the form of a travel insurance would provide a peace of mind. This can never be overemphasized especially when scenic spots are calling out and resistance is futile. If bitten by...