Centers For Medicare and Medicaid Services – Home Health Quality Measures Explained

The Centers for Medicare & Medicaid Services (CMS) is part of the federal government’s Department of Health and Human Services. Because many Medicare and Medicaid recipients are elderly, much of the funding goes to nursing homes or eldercare services. Health agencies that receive certifications from Medicare undergo an assessment every three years. CMS assesses these home health agencies via quality measures and publishes each agency’s results.

CMS & Home Health

CMS provides scoring for all Medicare-certified home health agencies via Health Compare. The quality measures take into account: (1) the patient’s improvement in performing a variety of activities of daily living (ADLs), and (2) whether the patient’s health improves or stabilizes over time.

It is important to note that the quality measures should only be used as a general guide. Many home health care recipients are elderly, and each patient’s needs are different. Some patients are recovering from surgery or a medical emergency. Others have chronic and worsening medical conditions. Therefore, the lack of improvement in some home health care recipients is not due to poor standards or substandard care, but rather due to declining health. In addition, Medicare’s quality measures for home health are fairly recent and are still being refined. Currently, the quality measures provide a baseline to help consumers see how a local agency compares to both state and national averages.

CMS Quality Measures

CMS quality measures are used in Medicare-certified home health care agencies in order to come up with the final scoring. Medicare details the following quality measures:

* Three measures related to improvement in getting around:
– Percentage of patients who get better at walking or moving around
– Percentage of patients who get better at getting in and out of bed
– Percentage of patients who have less pain when moving around

* Four measures related to meeting the patient’s activities of daily living:
– Percentage of patients whose bladder control improves
– Percentage of patients who get better at bathing
– Percentage of patients who get better at taking their medicines correctly (by mouth)
– Percentage of patients who are short of breath less often

* Two measures about how health care ends:
– Percentage of patients who stay at home after an episode of home health care ends
– Percentage of patients whose wounds improved or healed after an operation

* Three measures related to patient medical emergencies:
– Percentage of patients who had to be admitted to the hospital
– Percentage of patients who need urgent, unplanned medical care
– Percentage of patients who need unplanned medical care related to a wound that is new, is worse, or has become infected

The Home Furniture Buying Guide

When decorating or refurnishing your home, furniture is an often expensive purchase and one that shouldn’t be taken lightly. There are several things to consider when buying furniture, besides the usual colors and types of fabric that would work best in your home. You’ll want to decide on a budget, take plenty of measurements of the rooms you are furnishing or replacing furniture in, and do some comparison shopping before deciding on where to spend your money.

Decide on a Budget

It’s always a good idea to have a set budget in mind before actually going to the furniture store or browsing the many sites online. This way you’ll be sure to get everything you need without spending too much on one or two particular items. Also take into consideration how often you’ll be replacing the new furniture, and whether or not the price you are paying now is actually worth the expense.

Plan Before You Shop

Break out the measuring tape and measure not once, but twice to get accurate numbers so you’ll know exactly what will fit where. Be flexible in your design plans so you’re prepared in the event you spot the absolute perfect piece of furniture, but find that it won’t fit in the place you planned on putting it. If possible, having two plans in mind of where you’ll put things definitely opens up more options.

For example, when furnishing a baby’s room, remember that the crib or bassinet will soon be replaced with a bed, so having large pieces of furniture now might work, but will need replaced again before too long. When buying furniture for smaller rooms, or those with little closet or storage space, plan on looking for pieces that do double duty, such as benches that open for storing items, or tables with plenty of drawers. There are also ottomans that serve as extra, hidden storage.

Consider Your Own Personal Style

In addition to the countless colors, fabrics, and patterns available for the home, furniture also comes in a wide array of finishes and types of wood. Some pieces are made from solid wood, while others merely have veneers or wood finishes on the surface designed to resemble wood, which does keep the cost down as opposed to solid pieces, although they aren’t as sturdy and might not last as long as their “real” counterparts.

Besides the type of wood, there are plenty of actual styles and designs of furniture to choose from. Here are just some of the popular styles that are available today:

– Casual

– Contemporary

– Country

– Eclectic

– Formal

– French Modern or Classic

– Modern

– Renaissance

– Retro

– Traditional

– Victorian

Do Your Research

When comparison shopping from home, many furniture stores have web sites that showcase all of their collections and pieces, as well as information about the company, the location of their independent dealers, and their various policies. Some stores may offer free delivery, while others charge for the service but may include set-up or removal of old furniture at no additional charge. The internet is excellent for comparing sales and deals of the numerous manufacturers and dealers, and also offers the perfect way to make sure you’re getting your money’s worth when buying furniture for the home.

New Zealand Travel Info – Part 3

In this third article we will know more about New Zealand – Heaven on Earth for sure.

Transport Options:

Getting around New Zealand is very easy and safe. There is good public transport connectivity between different parts of New Zealand. However for tourists the best mode of transportation is Self Drive in New Zealand.

New Zealand’s domestic Airlines Jet Star and Air New Zealand covers almost all the parts of New Zealand through air network.

Apart from the standard airlines, you also have lot of chartered flight options to go from one place to another.

Other option is a very well planned coach network. New Zealand is well connected with coach network across the country. There are various options of Hop – On and Hop- Off bus for one destination to another. You also have option of adding or clubbing the sightseeing packages in to your bus pass.

Third option is the Ferry. If you all remember, there are two major islands of New Zealand, North & South. The Ferry runs between Wellington & Picton. It is a 3.5 hours sail through beautiful waters of Marlborough Sounds. Amazingly, you can also carry your entire car or even motor homes as well through the Ferry. It is once in a life time experience and one should never miss it if you are in New Zealand.

Last option is the train service. However it is not widely spread across the country. There are couple of major train journeys.

1. The Northern Explorer: Runs between Auckland & Wellington. Travel time is approximately 10.5 hours

2. Tranz Alpine: Runs between Greymouth & Christchurch. One of the top 10 train journeys in the world. Approximate travel time is around 4.5 hours and one should not miss this one. Absolutely must do activity.

Driving in New Zealand is one of the best and safest options to travel through the country. Rental cars of different categories are easily available across the country. However one should keep in mind that most of the car rental company needs a valid Credit Card of the person who is renting the car.

Minimum age to rent a car in New Zealand is 21 and the charges are different if you are below 25 years of age. Also an Indian Driver’s license is valid and recognizable and you do not need an International Permit to drive in New Zealand.

Can it get easier than this?

Catch you in next article with some more useful information on New Zealand.!!

The Rule of Law

One of the most fundamental requirements of a civil society is the rule of law which means that the people must follow the law of the land irrespective of his or her status or position in the society. In the modern world, the developed countries feel proud that their society is governed by the rule of law while most developing countries like India feel ashamed that their society does not have the rule of law. The developed countries are the role model for the underdeveloped countries, where the rule of law is still a distant dream.

Societies that follow rule of law are often considered more civilized as there is much more order in the society. Every thing in such societies appears to be in order. The roads are clean, lawns and parks are well-maintained, government officials work in office, trains and public transports run on time. Further, there is virtually no corruption in public offices. People are well paid, deliver better efficiencies and keep everything neat and clean. These societies appear perfect to the people of other parts of the world, who often wonder why they can’t be like them.

All societies need laws for their existence. Even though the laws may be different in each society, yet there are some basic principles that are common to all laws of the world. These fundamental principles are equality, fraternity, justice and liberty. The Indian constitution, for example, incorporates these goals in the preamble to the constitution which seeks to secure for all its citizens justice, liberty, equality and to promote among them the spirit of fraternity.

These principles are so universal in nature that they find place in every civilized society of the world. It is matter of great surprise that in reality the outcome of the rule of law is just the opposite. The more civilized a society is, the more is the inequality among its population – more injustice to the have-nots, less liberty due to strict enforcement of law and more hatred among the citizens based on race, caste and religion. What goes wrong in the implementation in the so-called rule of law?

Law of Nature

Indian thinkers in the Vedic period, i.e. around 3000 years before the birth of Christ, discovered that the universe does not perform its functions at random but follows certain laws. These were called “Rita” or the universal laws or principles that guided the universe. The progress of man can be largely attributed in understanding these basic principles of nature and exploiting them for the benefit of the human race at the cost of the rest of the creations. The laws of man, therefore, run contrary to the laws of nature as they are human-centric and not designed for all the creations of God or Nature.

One of the basic differences between man-made-laws and the laws of Nature is that the laws of nature are spontaneous as they require no effort in implementation. For example, in a natural piece of earth like a forest, the earth produces trees, plants, fruits and vegetables spontaneously without any need of watering or breeding. The nature itself provides timely rain and fertilizer to the new plants. The forests and the mountains are covered with greenery and beauty, which is purely natural since it comes without any effort.

On the contrary, the man-made creations like parks, trees, plants are artificially made. They too may look as beautiful as the natural ones, yet they cannot survive without regular effort on the part of man. Imagine a park, which is not maintained for a few months, or a house not cleaned for months. It will lose all its beauty and soon be filled with dust and weeds. No building or modern gadget can survive without external effort from man. However, all natural creations are able to survive on their own and maintain their existence; and enjoy their life without any external support.

The laws of nature are just as they treat every specie (and not only man) with equality. In a jungle, every specie gets its due share of food, air and water which enable them to live a dignified life without being dependent on any other creation. Nature makes no distinction between one specie, and the other as all species are the children of the same God.

However, in the man’s world, every other creature is killed if it is not useful for man. They can survive only if they can be useful for man. Thus man’s world does not treat any other creature of the nature with respect and does not provide them any right of equality, liberty, justice or fraternity. He cleverly usurps this universal law and makes it applicable only for human beings. For all other lesser species, he has created a man-made-law, calling it ‘the law of jungle’ or ‘the survival of the fittest’ which justifies his domination over the weak creations. The fact, on the contrary, is that the laws of jungle are far more just and equal for all species than the man-made-law.

Most men are not concerned about the way they treat the lesser animals as they feel that ‘the survival of the fittest’ theory is more logical than the laws of nature. However, they forget that every principle created in the universe has to be applied on them also and that they may not always be a beneficiary. Man-made-laws do not stop with animals but they soon spread their wings to encompass human beings, too. This is where conflicts between man and man starts that gives rise to hatred and wars. Man feels the pinch when the law of jungle is applied against them and the law of nature is denied to him. He is hurt when he is treated like weeds by the society.

Weeds: The Undesirable Plants of Nature?

One of the most interesting creations of the natural world is weed. Weeds are undesirable vegetation in the kingdom of plants. Weeds are defined as any plant that is not valued by the human society and usually tends to overgrow or compete with valued flora. Weeds are the plants which are considered by human beings as unattractive, undesirable, or troublesome.

In the natural world, man has to continuously fight against weeds to make their artificial plants survive. Weeds grow automatically and if the artificial gardens do not have the support of man, it is soon overpowered by weeds and the whole field or garden becomes full of weeds. Weeds are created by Nature (God) as no human effort is required to grow them. They are, however, so powerful that man has to continuously guard his creation from these weeds, lest all creation of the civilized society is destroyed. Weeds are as undesirable to man in the world of plants as criminals in the human society.

Criminals: The Necessary Evil for the Civil Society

Similar to weeds in the natural world, there is a growth of criminals in civilized societies. Who these criminals are? Why do they grow? Whether the criminals are healthy people or are they mentally ill as often thought by the civilized world?

Criminals are defined as the people who commit crime. Crime is defined as an act that is a violation of the criminal law that is punishable by law. Crime is usually considered an evil act and criminals are often seen as evil created by Devil, out there to destroy the civilized citizens, the children of God.

There are many similarities between criminals and weeds. Criminals grow automatically in every society and the society has to work hard to weed out these criminals. Criminals like weeds are so powerful and competitive that they have the power to defeat the civilized people. They are, therefore, fought jointly by the society. Yet in every society, there is crime and there are criminals. We are used to look criminals as evil that is unnecessary just like weeds. Yet if God (Nature) is the creator of all, then everything in this world must have been created with a purpose. “What could be the purpose of creation of criminals?” We wonder.

Criminals are, as a matter of fact, creation of the civilized world. In an uncivilized world, there would be no law, so there can be no violation of law and hence, no criminal. If we wish to understand the utility of criminals in the civilized world, we must imagine the world of nature without weeds. In such a world, all plants will have to be grown by man with artificial watering – canals, tube-wells, and other irrigation systems used for agriculture. In all certainty, man will grow only such crops and plants that are useful to man and the rest of the species would surely not survive in the man’s world. Further, man’s energy is limited and with all his effort, he can hardly take care of a minuscule part of the world by artificial plantation, so the rest of the physical world would be without plants and so without oxygen and other animal life and Eco-system. This will soon lead to the end of the world including the human being.

The role of criminals is similar to the role of the weeds. Imagine a world without crime i.e. everyone follows the law of the land without questioning. It will only provide status quo in the world. Kings will always be kings and only their children or loved ones can become kings. Poor will always be poor. Kings will frame more inhuman laws that would give them more powers. The less fortunate people would die out of hunger and poverty as they won’t break the law and the state will have no obligation to feed them. Thus the world without criminals would be a place where people will die due to inaction, boredom and cruelty. Such an ideal world, indeed, would be the most inhuman and most undesirable to mankind.

Thankfully, people called criminals automatically grow in every civil society as soon as man creates laws to govern it. The laws of man are always challenged by them since they are mostly against the laws of nature i.e. equality, justice, liberty and fraternity. States always have to face opposition from such people who break the law and are known as criminals. They may have an ugly appearance as weeds but they only provide oxygen to the society for its life. Thus in posterity, people recognize them not as criminals but as heroes.

The Path of Heroism

While man hates criminals, he worships the heroes. He can lay his most valuable possession i.e. his life on a single call from his hero. Who are these heroes? Are they law-abiding civilized people or the law-defying criminals? Take the example of Mahatma Gandhi in the modern world. He was perhaps the biggest criminal in the time of the British rule in India and he was jailed many times on charges of being waging war against the state. He spent more than 15 years in jail for his various crimes. Yet the people of India call him ‘Father of the Nation’ and love him more than any civilized person on the earth. Nelson Mandela spent 27 years in jail, yet he is a national hero not only for South Africa but for the entire world.

In history, we can find numerous examples of great people who have broken the law and having been punished for their criminal acts. The list includes people like Christ, Prophet Mohammad, Socrates and Galileo. Yet it is these people who changed the history of the world and they are rightly worshiped as heroes by the masses even after their death.

How many people you have ever known who have become heroes without breaking the law and committing crimes in their time? Perhaps none. Heroes are created not by following the law but by breaking the law.

Rule of Divine Law

It is not always good to follow the law blindly as it provides order and rule of law in the society but kills the humanity as the implementation of most of the man-made laws are against the natural laws. Man-made laws are often disguised under the cover of natural laws like equality, justice, liberty and fraternity yet they serve just the opposite purpose. Most people see the letter of the law but fail to grasp its spirit. One must understand that breaking man-made laws is one of the fundamental requirements of all civil societies, if it contradicts the natural or divine laws. Thus every person who breaks the law need not be a criminal. One must go deeper into the facts before declaring a law-breaker to be a criminal. The key distinction perhaps would be to see if he is breaking the law for the interest of the humanity or for his own selfish end. Is it need-based or greed-based? There lies the distinction between good and evil, between a true criminal and a hero. One who is breaking a law for others or to fight injustice is a hero and not a criminal. A poet said “Jo lade din ke khet, Sura toi” (One who fights for the weak is the real hero).

Cheap Loans – Dirt Will Seem Costlier!

Loans culture has grown considerably in recent times. Like any growing industry, loans industry has healthy competition. This competition has furthered the cause of finding cheap loans in UK. Cheap loans are not offered on platter. There are tricks to the trade of finding cheap loans.

Though borrowing money is not always an easy decision but there are times when loans are a necessity. Cheap loans are provided for every circumstance and reason – Personal loans, secured loans, unsecured loans, mortgage, car loans…….

When looking for cheap loans pay attention on various aspect of loans – interest rates, loan term, monthly payments are all instrumental. Interest rates are an obvious way to start your cheap loan search. Find out the lowest interest rates that are offered for your particular loan. Cheap loans are not the first loan you stumble upon while searching for loans or the first loan that is offered to you. There is always a scope for finding a cheaper loan than the one you found in loans market.

You will have to research for finding cheap loans. This may not be your favorite job but will be certainly active in locating cheap loans. For cheap loans you will have to go to various lenders and ask for quotes. Quotes give an idea of the loan cost to the borrower. After taking quotes compare the loan quotes to settle on cheap loans. Online the chances of finding cheap loans are doubled.

The terms and conditions for cheap loans are quite flexible. This has lead to those with imperfect credit also qualifying for cheap loans. In fact a separate category of bad credit loan ensures that cheap loans are a viable possibility for every borrower.

Getting cheap loans also depend on collateral and equity. Secured loan will always be a cheaper option than unsecured loans. Equity will sanction the amount you can borrow. If you have ample equity than you can qualify for larger amounts at cheap interest rates.

Your employment record will also affect your chances of finding cheap loans. A borrower can qualify for cheap loans if he or she has a stable income with a good employment record. You can find cheap loans for bad credit history but a good credit score is integral in finding cheap loans. Every lender will be looking at credit score before extending cheap loans. A good credit score will make you a primary contender for cheap loans.

If you want to borrow large amounts then mortgage is the best and cheapest loans option. Mortgage will be available at the lowest interest rates and terms at all the leading finance companies. It is a cheap way of borrowing money and considerable types of mortgages exist keeping in mind the requirements of borrowers.

If you are having more than two unpaid debts then debt consolidation is a cheap loans option. Debt consolidation loans are cheap way of uniting unpaid debt at low interest rates and low monthly payments. It is a cheap way of becoming debt free.

Student loan is an extremely cheap way of paying for college education. All students are eligible to apply for student loans and it is in fact the cheapest loan in the market. The interest rate for student loan is fixed. But you obviously have to go to a university for it and there is a limit to how much you can borrow.

Another way of procuring cheap loan is shortening the loan term. Shorter the loan term is the lesser will be what you pay as interest rate and it will be prove cheaper to your pocket. A shorter loan term will be less expensive and it is always such a pleasure to pay the loan in shorter time span.

There is no single cheap loan for everyone. In fact cheap loans are in accordance to your financial condition. If you are looking for cheap loans then you can get extensive information on the net. Read it all, explore your options and then settle on cheap loans. Cheap loan is all about finding a loan and then finding another one to beat that loan.

Move Over Tough Guy Because Leather Gloves Are Now The Ultimate Statement In Fashion Style

Leather is hot this season and with all of the major designers introducing it into their new collections and it is not hard to see why. Leather is such a durable and elegant material. Functional and fashionable, masculine and elegant, leather clothing is this season’s hottest look.

Men purchase leather accessories all the time with wallets, briefcases, belts and shoes so it is not unfamiliar territory for most men. So, it’s time to branch out and get some leather clothing that will make more of a statement. Leather gloves are perfect for people who want to make a statement that is also practical.

A man wearing leather gloves conjures up a certain image; whether he is engaged in some physically demanding activity like driving, rodeo-riding, skiing and motorcycling or whether or he simply going out on an evening, be it a casual or formal event, you’re sure to discover the fashionable versatility that a pair of leather gloves can bring.

A little leather can go a long way toward making a positive statement while a lot of leather can look, just wrong. That is why leather gloves are so perfect. They can be worn for any occasion and a pair of leather gloves goes with anything that you choose to wear. Once you are hooked you’ll find yourself wearing a pair more often that you thought.

Quality men’s leather clothing is not cheap especially Lambskin which can be a bit pricier but the softness and fall of the clothing make it worth the expense. However you can choose gloves that are either made with real leather or synthetic leather. Not everybody can afford real leather but synthetic leather, on the other hand, is more accessible for anyone, regardless of his or her budget. You can even buy a good looking pair for as low as $5, and they are just as durable as leather gloves and only you will know that they are not real leather.

As well as making an elegant fashionable statement, leather gloves are quite prominent fixtures in popular culture as well. Think of leather gloves in the movies and Neo, Trinity and Morpheus’ pairs in the Matrix trilogy immediately come to mind. Another popular image is Mel Gibson’s pair in the post apocalyptic setting of the Mad Max films. Even Wesley Snipes’ Blade trilogy had his character sporting a fine pair of leather gloves.

All of these movies have one thing in common: They are all action-oriented films. But delve a bit deeper into the world of movies and you see how elegant and fashionable leather gloves can be like Julia Roberts’ character in My Best Friend’s Wedding, or Michelle Pfeifer’s sassy lawyer character in I Am Sam.

We spoke earlier of practicality. Leather gloves are not just pretty fashion statements. You cannot get warmer than a pair of real leather gloves. This, after all, is the primary function of a pair of gloves. The keep your hands cosy and warm because leather absorbs heat better than any other material so it will warm up your hands even under harsh climates. Your hands, particularly your fingers are among the most sensitive parts of your body. By providing them with heat, the body’s temperature will be able to resist the cold.

So forget the rough, tough guy image. Leather gloves are back and they make an elegant fashion statement as well serving a real practical use.

Wise Buy of Home Furniture

Furniture has always been the best asset of every house that helps in adding a good home environment. Give credits for the size, color, shapes and designs of every house because these will leave a very good impression to the owner as well as for all your guests and visitors. If you are planning to have a discount bar stools to be placed inside your house and sleep in Simmons Beauty Rest world class mattress, you will probably have to decide for the best and high end quality of these kind of furniture.

The following are smart advice that will help you choosing for the right kind of furniture and home decorations.

There are many styles of furniture and home decorations that are available in the market today. Its up to you where will you place it inside your house. The decorations and styles of furniture will depend on the interest and favorites of the person. There are also ready made products that available in markets with an affordable price and of best quality furniture materials too. But if you want for the cheapest prices and wants to have your own personalized furniture, you can go to furniture shops that offer services like this. Internet sources will also help you in purchasing for the right kind of furniture. It gives a lot of information with regards to the features, characteristics and elements of your chosen furniture. Just type in the search engine what you will want to buy and in just a second, you will see various websites that offers great discounts and variety of quality made furniture.

If you choose for furniture, make sure that it has a capacity to maintain its durability and flexibility. You can base this on the positioning of the furniture inside your house or in your room. It is more important to keep your furniture on areas with little accidents and breakage. Once furniture is use everyday, for example a cabinet, you are used to open and close the doors of it, this may cause breakage and are prone to damage some of its parts. Furthermore, the durability of the furniture is not merely based on where you will placed it in your house or the price but it is on how they are built with proper technique and best quality materials.

After you chose for your selected furniture and plan to buy one, it is important to take this as an advice. Check every parts of it making sure that it was properly built and with no damage. The finished product must be smooth, well painted with colors and has the ability of making it lasts long. Try to check if the applications of varnish or polish are well done. It denotes for a nice looking and attractive furniture. Ensure that every pieces of it has passed the standard of being durable and flexible. Always remember that you have the capacity to select and choose for the great products for furniture. Remember that when you budget for furniture, you have to base it on its everyday use.

Tips When Buying Home Furniture

When buying for home furniture, there are a lot of tips that you need to be aware of in order to get the best out of the quality and from the price. There are numerous stores that sell furniture for the home and you may get confused on which place is the best for you. It is never recommended to buy the first furniture that you like. Always look for more items and selections first so that you can make sure that what you are buying is the best in the market.

The bedroom is one place in your home that you may want to redecorate. When choosing home bedroom furniture the best tip to follow is finding the best and the most comfortable. The bedroom is your private sanctuary and it is very important that your bedroom furniture is comfortable. For instance, when you are buying a bed for your room, choose the one that you find at ease with. Do not be afraid to test out the bed, its foam and how it feels once you lay on it. Also do not forget to measure the size of the bed that it can fit perfectly in your room. For the home bathroom furniture, choose the ones that can fit into the space of your bathroom. Keep it elegant and simple.

For the furniture in your home, the trick is finding the perfect design and color that can match your place. One home furniture store can carry countless furniture that have different color, designs and materials to suit your home. Some of them may have offers of making made to order furniture if you cannot find the design and the color that you want. These made to order furniture may cost more than the regular ones in the store, but if you have the budget and you are willing to wait, this could ensure that you will get the furniture that you want. When shopping for home furniture, it is important that you are getting items that are of good quality. You may want your furniture to last for years. Paying for cheap but low quality furniture will only cost you more in the long run because you will need to repair or buy new furniture from time to time.

When choosing the sofas or armchair of your living room, the rule is like that of the bedroom, choose the sofa or armchair that can give you comfort. Your guests or family will be sitting in these sofas when you get together or watch television, a comfortable sofa means a lot. Also make sure that the sofa can match your room color. It does not have to be the same color, but something that can compliment your home. There is also other home décor furniture that you may want to add like coffee tables, side tables or a small chair or tea table. These are good furniture to add to your room if you have enough space. Overcrowding a room with furniture is never a good idea. It will only make your home look smaller and disorganized.

How To Take Care of Your Home Furniture

Furniture plays a big role in amplifying the beauty of our homes. You should therefore take care of your home furniture as it is also a costly investment. If we take proper care of the furniture, it will look better and serve us for a long time. To help in maintaining your furniture, there are some dos and don’ts that you need to be aware of. Some of these are:

· Placing drinks and tea cups directly on the table may leave a very undesirable stain on it. Some stains are not easy to remove and may require that you scrub to remove them. This may lead to damage of the furniture. You should consider using coasters as they can improve life of the furniture.

· Do not expose leather furniture to direct sunlight. They may fade out their color due to the effect of suns rays. To protect your leather furniture from sunlight, use curtains and drapes

· Dusting of the home furniture is not advised as it can reduce their life. You are advised to make use of a clean cloth and/or by using polish.

· Do not keep shoes on the furniture, guests should be advised to leave their shoes at the shoe rack. Train kids to take care of your home furniture from an early age. They should also be trained to have their shoes off the furniture. Shoes leave dirt marks that are not so easy to clear. Removal of such stains not only time consuming, but also diminishes the beauty of the furniture.

· You should call for pest control services from time to time so that you can eliminate and prevent bed bugs and dust mites which may ruin your furniture.

· You should clean off spills from liquids immediately whenever this happens on your wooden furniture. The spills can mess the beauty of your home furniture.

· You should not move heavy home furniture by dragging directly; consider putting bumpers before dragging to prevent damage to both the furniture and the floor.

It is important to take care of your home furniture as it can save you a lot of money on repairs and replacements. For you to get a better service from your home furniture, you should ensure that you take utmost care in handling your furniture. These will ensure that you do not have broken and stained furniture in your home.

Overseas Travel Insurance Plans – Costs Less and Offers More

Everyone craves for vacations to enjoy some quality time with their loved ones and Indians are no exception. The outbound travel sector of India saw a robust growth this year because international travel destinations are highly sought-after among Indians in 2015. Obstacles like inflation, skyrocketing ticket price and depreciation of rupee couldn’t deter the wandering spirit of Indian travelers to travel around the world. Over 60% of Indians remain unmoved by the depreciating rupee and are raring to go to travel. However, the rate of availing travel insurance to safeguard the trip is still dismal among Indian travelers.

Young generations prefer to travel to international destinations once a year at least. According to a survey, 90% of these travelers make use of their own savings for overseas trips and don’t consider travel cover. Quite surprisingly, this is the mindset of young internet savvy generation as ICICI Lombard conducted the survey in the age group of 25-35 among 1049 people across six metro cities in India who had international trips in the previous year.

The survey further reveals that Singapore is the most preferred travel destination among young Indian travelers; the second and third places are held by US and UK.

Let’s take a look at the travel plans available and their prices for those who favor these destinations. Let’s start with Singapore.

Travel insurance plans available for Singapore trips

The following list of top 5 policy quotes in terms of lowest premium are for one 30 years old person looking for a single trip to Singapore. The trip duration is 10 days and the chosen sum insured is US$ 500000.

  1. Universal Sompo – Premium of Rs. 942
  2. HDFC Ergo – Premium of Rs. 1015
  3. Reliance – Premium of Rs. 1129
  4. TATA AIG – Premium of Rs. 1234
  5. Religare – Premium of Rs.1666

The lowest premium is Rs. 942 for a travel insurance plan for a 10 days trip to any Asian country such as Singapore, Thailand. This means one has to pay less than Rs. 100 per day to make his trip safe and secured. Indian travelers must know that travel plans are not only inexpensive but they also provide coverage for loss of baggage, passport, hijack and even emergency treatment.

Travel Insurance plans available for UK trips

The following list of top 5 policy quotes in terms of lowest premium are for 1 person looking for a single trip to UK. The trip duration is 10 days and the chosen sum insured is US$ 500000.

  1. Universal Sompo – Premium of Rs. 942
  2. Bajaj Allianz – Premium of Rs.991
  3. HDFC Ergo – Premium of Rs. 1015
  4. Reliance – Premium of Rs. 1129
  5. Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1139

Universal Sompo provides the lowest premium. The premium of travel insurance plan is also Rs. 942 for a 10 days trip To UK.

Travel insurance policies for US trips

The following list of top 7 policy quotes in terms of lowest premium are for 1 person looking for a single trip to US. The trip duration is 10 days and the chosen sum insured is US$ 500000.

  1. Universal Sompo – Premium of Rs. 1344
  2. HDFC Ergo – Premium of Rs. 1438
  3. Bajaj Allianz – Premium of Rs.1441
  4. IFFCO-TOKIO – Premium of Rs.1456
  5. Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1658
  6. TATA AIG – Premium of Rs. 1694
  7. Reliance – Premium of Rs. 1783

The lowest premium is Rs. 1344 for a travel insurance plan for a 10 days trip to US. Just imagine, you are getting all types of risks covered just by paying less than Rs. 140 for each day of your trip.

Best travel insurance plans in India in terms of baggage and medical coverage

The survey also made clear that 79% people buy travel plan to cover medical emergencies. Safety of baggage is the second most vital reason as 60% people behind purchasing travel insurance policy. So let’s find out best travel insurance plans in terms of medical emergency and luggage safety.

From the above list of travel policies for US, two plans by Reliance and Bajaj Allianz look best in terms of baggage cover.

Reliance Travel care platinum provides US$1500 for the loss of checked baggage for a premium of Rs.1783.

The Travel Elite Premium plan by Bajaj Allianz provides US$ 1000 for a premium of Rs. 1658 for the loss of checked baggage.

To get the best coverage for medical emergencies, the Titanium plan by HDFC ERGO is the best. It primarily covers:

  1. Emergency Medical Expenses
  2. Permanent Disablement/accidental death
  3. Hospital Cash
  4. Loss of Personal Documents
  5. Accidental Death
  6. Loss of Baggage
  7. Financial Emergency Assistance
  8. Personal Liability

What is the cost of international travel policy for a couple?

According to the survey, 52% of travelers prefer to have trips with spouses. So, if these people can avail a travel plan for visiting US or UK or Singapore, how much do they have to pay?

Let’s start with US trip for 10 days for a sum insured of US$ 100000 covering 2 people who are 30 and 28 years old.

Religare offers the best plan which comes at a premium of Rs. 2407.

If you compare travel plans available for couples who wish to visit UK, keeping the same criteria for trip duration, sum insured and age of the traveler, Religare provides the best plan. The premium of the plan is Rs. 1537.

For a trip in countries like Singapore, Thailand within Asia which has been the top travel destination of 2015, a couple has to spend even less for a travel insurance policy. If you compare travel insurance plans that cover Asia, you will get the lowest premium of Rs. 1218 from Explore Asia plan provided by Religare.

The positive part of the survey is the increased awareness among Indian travelers. More than 90% of young generation is aware of the travel insurance which is a significant rise from last year’s 80%. One of the major provider of travel insurance plans in India; ICICI Lombard underwritten a total travel insurance premium of Rs 100 previous year, one can expect the premium to increase by 5-10% in this year. The problem is not with the awareness; it is the lack of understanding about the benefits associated with these travel covers.

27% of the total respondents in the survey choose not to avail a travel insurance plan simply because they were under the wrong conception that such plans cover only accidents, loss of baggage and theft but don’t provide medical coverage. This is far from being the truth as the complete break-up of Titanium plan by HDFC ERGO shows extensive coverage for medical emergencies.

25% surveyed people didn’t buy any travel plan because they thought such plans are costly but it is not so. The price of all plans for person mentioned here are about less than Rs. 100 to less than Rs. 140 for each day of a 10 days trip. Travel insurance policies for couples are even cheaper as they cost in the range of less than Rs. 65 per day per person to less than Rs. 125 per day per person for destinations like US, UK and all countries in Asia including popular destinations like Singapore, Thailand.

Indians love to spend their holidays in international destinations. An international travel insurance plan doesn’t cost much and offers a lot in return. If you are also a travel freak, you should insure the total duration of the trip so that you can enjoy your holiday with complete peace of mind.