The Benefits Of High Net Worth Insurance

We all know how important insurance is – and we wouldn’t dare think of not insuring our lives, our cars and often our homes. But sometimes we don’t necessarily consider what things could or should be insured. There are many different types of insurance out there and one such one is high net worth insurance.

Now if you haven’t heard of it, I’m not surprised – it isn’t something that everyone would consider for a financial product. High net worth insurance is something to consider when you have some luxury items in your possession that may overstep the amount general insurers cover – we’ve all insured our contents and seen that there is a maximum limit general insurers will cover, high net worth insurance is exactly what you need for those type of items.

Providers of this insurance will work extensively with some wealthy individuals to ensure all their needs are met. Financial affairs of the wealthy can be complex so each approach will be built around the individuals requirements. With limitations on the amount of cover from general insurers, providers specialise in helping them with custom arrangements so that they have the peace of mind that everything is covered. These things could include a high value home, fine art and antique items, expensive jewellery and luxury watches, anything equine related, cover for renovation and refurbishment if needed, luxury cars and much more.

Now whilst Steve and I have no need for such insurance, we both have or have had family members who used this insurance or could have benefited from high net worth insurance. With a family member with a large many bedroomed property, plenty of luxury jewellery and timepieces, luxury cars and much, much more, we are pretty sure that they wouldn’t have been covered by standard insurance so would have needed some high net worth insurance of their very own to ensure their contents were covered.

I also have family members now who don’t have it but could certainly benefit from it. Why? They have items of significant value that standard insurers won’t cover or won’t cover to the full amount. It is so important to have cover that actually covers the cost because the cost of replacing such items if they aren’t insured can become very expensive. They should really be making sure they have protection to the right level to cover their items and that they are sufficiently covered. I think they are foolish for not already having a policy in place.

It is so easy to sit there and think that a standard policy will be fine – but checking the small print will probably lead you to realise that it isn’t the case. To avoid the shock when making a claim and finding out you aren’t covered for that amount, why wouldn’t you make sure you have peace of mind? You don’t want to lose out on money when it could have been avoided.

Something that is also important to remember regarding high net worth insurance is that you yourself can be covered. There are certain jobs in certain industries where you may be able to earn a lot but there is also a high potential risk of something happening to you – think Formula 1 drivers and other sports men and women – often doing a dangerous job that standard insurers won’t cover fully – if at all. It is definitely something that needs to be considered to make sure you are fully protected.

So to recap – the benefits far outweigh any negatives, if there are actually any negatives. You will be safe in the knowledge that you are fully covered and won’t have to encounter any expensive shocks further down the line. Why wouldn’t you want peace of mind like that? You may not be in a situation now where you need such insurance but it sure helps to be knowledgeable about it for the future, just in case you do find yourself in that position.

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Creating A Memorable and Imposing Restaurant Entrance and Reception Area

A person goes to a particular restaurant either because the dishes are delicious or because the environment is enjoyable. It takes quite a few seconds to form a good or a bad impression. Fortunately, the restaurant operators can apply tricks to enhance the entrance strategies to make the customers feel special. An elegant makeover of the doorway or the entire entrance can make the eating space unique, memorable and catchy. A restaurant can be designed in a more trendy and youthful manner to make it quite interesting. Bold furniture with some exciting colors and bright lighting create a mature style of designing with a subtle touch of uniqueness. So, let us focus, for a moment, on the arrangement and decoration of the restaurant. Some tricks for a trendy eating joint are given below:

  1. Decorating with silk plants: The interior that uses lots of plants makes a place appear bright, fresh and lively. They can provide a different feel to the surroundings altogether. Silk plants can give vitality and brightness to the room making it look calm and beautiful. The artificial plants prepared properly can decorate not only the homes but also the offices and the restaurants giving it a special touch. They do not need maintenance like the real plants and can even provide a decorative touch to the entrance. They even help people relax creating an atmosphere of cooperation and collaboration. Indoor silk plants have an essential part in interior decoration. Large organized plants look attractive and draw attention easily due to their catchy height.  Artificial flowers of vibrant colors are sure to catch the eye even from a distance. The decoration with the silk plants is the best version of the floral art.  They do not need to be replaced every few days, and they create the same effect as real plants. Silk plants create a desirous environment inside a restaurant, and its refreshing existence soothes the atmosphere of the place.
  2. The arrangement of lights: Lights play an important part when it comes to the decoration of the entrance. Proper and bright lightning is a real mood booster. It enhances the look of the place by giving a clear idea about its surroundings. The chandeliers, small light bulbs or even fancy candles are some examples of lights that can be arranged for a better look for the entrance of the restaurants. A specific arrangement of lights gives a distinct appearance to the decoration and design. Lightning inside the restaurant adds to the ambiance of the entrance area. Low lighting can be relaxing and refreshing, and it can even encourage the customers to stay longer. It indulges in creating an intimate environment allowing customers to enjoy an isolated atmosphere. Even the bright lights provide a better view of the space and keep the guests awake and alert. Natural lighting can also play an important part in lightning and to brighten up the establishment. Nowadays, technological advancements with its automatic shut-off or dimming control and other variations make the decoration more lively and entertaining. Therefore, Lightning is an extremely important part of restaurant interior and even plays a significant role in drawing customers.
  3. Artwork: Colors can either ruin or improve the atmosphere of a place. An interesting and unique color scheme sets the ambiance of a restaurant generating a very special, positive, energetic vibe.  A proper paint creates and maintains a balance between the vigor and the comfort. When pastels are blended with a solid color we experience an amazing artwork. Black walls and dark woods create a great combination with a checkered tile floor. Even a blue or a grey colour scheme with a metallic touch in it, enhances the boldness and personality of the space. A little velvet can also increase the beauty of the entrance.  Also, having a piece of art in an eating joint bring about a drastic change in design. Painting and other forms of ornamentation beautify it in a very special manner. An aquarium or a fountain can help the entrance stand out creating a sense of tranquility.
  4. Heating and ventilation: The heating and cooling is an important consideration for any eating joint. A regular kitchen put out a lot of moist and smells and smoke. With a proper kind of ventilation and exhaust fans, it can be controlled. A better air conditioning system is also necessary to design a restaurant.   Improper ventilation can violate safety anytime creating a fall in productivity of the employees. It can even result in higher utility bills, reduce energy efficiency, and lose customers due to an unpleasant and unhealthy condition of the restaurant. Each portion of a restaurant needs its own heat and temperature control system and regulations. The best way to combat the heat and moisture of the restaurant is to combine the ventilation with cooling. A good, fresh and healthy environment is necessary to keep customers and in that case, small fans and evaporative cooling can maintain not only a refreshing atmosphere inside the kitchen and the dining space but also makes the entrance appealing.
  5. Unique waiting space: A unique sitting area can work as a differentiator that makes waiting more interesting. Booths and stools are quite common. An existing chair can be made an arrangement by painting it with bold colors and fabric. Even mixing and matching of the old seating arrangement can make the lounge or the entrance more entertaining and comfortable. A cozy and pleasant restaurant makes its good food even tastier and enjoyable to its customers.  Spending time on designing the entrance in a very special way makes a joint look creative and livens up the environment.

That’s why it is very important to create an outstanding main entrance with an amazing sitting area to make the guests feel perfectly interested and excited about the eating joint. So, with this being said, let us get guests rolling on your entrance door with these trendy, decorative designs.

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Keeping costs down

Sometimes we think with our hearts and not with our heads. Making New Year’s resolutions can often be disastrous, with 80% of people failing by February and regretting it instantly. One of the most common New Year’s resolutions is to cut down on spending, and although this sounds achievable, if you don’t have a fully-pledged strategy in place, the likeliness of failure spirals out of control.

We understand that people can be victim to an unexpected expense — whether this is a home appliance breaking or making that third trip on a bus with only a return ticket. It all adds up. For that reason, we’ve made some assessments on how those extra savings can come in handy if something like that was to occur.

Travelling

Start off with something small, but something that will make huge changes when it comes to your bank account. Using a megarider ticket, you will be able to travel as much as you want and can tailor your own needs to the ticket type. Whether you’re in need of a weekly bus pass for your travels, or a monthly one — you will find yourself making a huge saving in comparison to buying a ticket every day.

If you’re a driver, did you know that the average motorist in the UK will spend an astonishing £168,880 over their lifetime? With efficiency growing in public transport, there is no reason for you not to consider making the bold move that could help you fulfil your resolution this year and save you a fortune.

When it comes to payments across the year, petrol costs a driver £1,052.04. Servicing a vehicle costs can add up to £441 over a twelve-month period — which can change depending on the individual’s situation. MOTs can cost up to £168.46 annually. Cost of parking is on the rise, and with more vehicles on the roads, there seems to be a higher demand. Over the year, a motorist can find themselves paying £145.80 on parking. When it comes to insurance, this can sway dramatically as younger drivers will find themselves paying a higher cost to be on the road — on average, insurance costs an experience driver £436 every year. Tax can equate to £116.35 on a yearly basis. Car supplies can cost a driver £29.61 and if you were to go abroad and wished to drive, holiday rental cars can leave you £180 out of pocket. Speeding tickets equal £25.12 for the average driver here in the UK. This would cost a driver £2,594.38 in total where commuters find themselves paying considerably less for a significant service — imagine the saving you would make with a megarider ticket!

Lifestyle

Coffee

According to research carried out by MyVoucherCode, people in the UK visit coffee shops at least three times per week — although it has recently become unavoidable, as currently there are over 21,000 outlets around the country! This means that Brits visit coffee shops around 156 times a year with an average spend of £8.52 — with travel expenses, this could go up to £13.85. This creates an annual average spending of £2,600, a majority of which could be saved if you were to opt for taking your own coffee to work.

Branded coffee company, Douwe Egberts, has said that a 250g pack of ground coffee can make up to 30 cups. When looking to see how much a 1kg pack would cost, Amazon has priced the coffee at around £15, meaning that each cup of coffee would cost close to 13p. Try taking a flask to work and even purchasing an on-the-go coffee cup that will see you through your day.

Smoking

If the rise in prices for cigarettes hasn’t already put you off, knowing that you could save a whopping £3,796 (if you smoke 20 a day) should be the driving mechanism for you to quit. MoneySupermarket.com has stated that non-smokers pay around £6,309 less for life insurance, which could be something worth investing in for the new year.

An alternative that many smokers are trying to save money is vaping. 10ml bottles of liquid cost around £5 on average — saving those who turn to vaping around £1,900.

Lunch

Many of us find it easier to just buy lunch on the way to work — or popping out on our lunch breaks. But what if we told you that, on average, forking out for lunch every day could cost you £1,288 according to research carried out by VoucherCloud. Evidently, you could make a huge saving by preparing your lunch at home — whether this is making a quick sandwich or taking in a tin of microwavable soup to heat up. When we looked at the total working days in 2017, there was 252 — if we went by Poundland’s price of tomato soup, which is 50p, you would find yourself paying £126! A massive saving for anyone looking to cut down on costs.

Unexpected expenses

We’ve all been victim to an unexpected expense, with 54% of 2,000 people asked saying that they suffered from an unexpected expense within the household. On average, these costs totalled £248.70 — showing that any saving is beneficial for occurrences like these. 47% of these issues happened in the kitchen, a room which is essential to the day-to-day running of any home, and if you don’t have the money to pull out instantly, it could cause an everyday stress. Using the savings you would have made by taking your own lunch and coffee to work, quitting smoking, and travelling smarter — you will be able to make life easier. It was also found that 35% of people had to use a credit card to cover the costs of unexpected expenses. With 18% of them not being able to pay more than £100 on their own, 17% had to borrow from friends and family!

Thinking smarter for 2018 is a must, how will you be changing your ways to save money?

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2018’s Most Stylish Women and How to Get the Look

Fashion is fluid and we all have our personal takes on what looks good and what doesn’t. However, many of us will admit to taking sartorial inspiration from celebrity trailblazers — but who are they and how do you emulate their near flawless looks?

Browse three of 2018’s most iconic women to discover what their fashion says about them and how you can replicate their most famous outfits.

Meghan Markle

As a soon-to-be royal, Meghan Markle is under more pressure than ever to dress the part. Young, stylish and confident, Markle has long been a style icon for women across the world. However, possibly the most interesting aspect of her outfit choices is how they’ve transformed.

During the actress’ Suits days, we’d often see her donning high heels, bandeau dresses, skirts with high hemlines, and more daring cuts — such as low v-necks and slit detailing. In 2018, she’s pushed these to the back of the wardrobe in favour of long, belted coats and simple ankle boots to achieve a casual-chic vibe.

Overall, Markle’s dress sense hasn’t only become more sophisticated and reserved, but it’s also evolved from all-American girl to British fashionista. Gone are the graphic tees and straight leg jeans and in their places are tailored blouses and laced midi dresses that evoke a sense of royal-appropriate sophistication. Then again, when she attended the Invictus Games with Prince Harry, she chose to wear simple jeans with a plain shirt, perhaps showing the world that she can still incorporate dressed-down looks despite her impending title.

Steal her style

The important thing to remember is that you don’t have to dress prim and proper 24/7 when you’re emulating the Meghan Markle look. Although her style has certainly matured and reined itself in to a degree, there are still bursts of chic provocation. Her braless, gold-embroidered tulle and silk gown that she wore for her engagement portraits is just one example of her ability to infuse formal events with contemporary fashion.

Inject just a touch of the risqué when replicating the Meghan Markle style to keep it interesting. Team shirt-dresses with low heels, off-the-shoulder tops with plain skinny jeans and flats, and low-cut blouses with cigarette trousers and a tailored blazer.

Rihanna

Even before Rihanna received the CFDA Fashion Icon Award in 2014, her looks have been a huge part of her celebrity status. The star’s ability to predict and pioneer styles, no matter how revolutionary, has propelled her to the highest echelons of celebrity fashion, which makes her one of the world’s top style icons to emulate for women around the world.

Since fashion is evolutionary, it stands to reason that Rihanna’s looks have also transformed since she rose to fame in 2005. Reflecting on Rihanna’s early style, many of her outfits gave the impression of a young, confident, sweet girl — think strappy dresses, rara skirts, crop tops, and boyfriend jeans. Within a few years, Rihanna edged her style to a more rebellious side, designed to enhance her ‘bad girl’ status. During this period, we saw bralettes paired with hot pants, and who could forget the revealing double denim, skirt-and-jacket outfit made famous by Rihanna’s dismissal of a tee or vest?

In time, RiRi morphed her look again — this time, blending her edgy façade with nuances of high-fashion. Enter, the famous naked dress of 2014. Made of nothing but Swarovski crystals and fishnet fabric, the design of this iconic gown was overtly high fashion.

Clearly, Rihanna’s eye for sartorial credibility hasn’t faltered. Her fashion line, FENTY PUMA, is forcing back the boundaries of standard sports styles and taking athleisure into uncharted territory, creating a high-fashion offshoot of feminine sportswear.  

Steal her style

Throughout her style-icon life, Rihanna has always advocated the use of colours and fabrics. Over the years, we’ve seen her in everything from feather-embellished bejewelled bikinis to silk emerald tracksuits. To replicate it, you need to embody her confidence and sense of adventure.

Combine stiletto heels with denim playsuits or tracksuit bottoms, then dress for the evening in something feminine, but outlandish — like the lilac tulle mini dress she wore to Fenty Beauty’s launch party.

Rihanna adores wearing shirts and coats that hang off her shoulders, putting a fresh twist on the cold-shoulder fashion movement. So, incorporate strapless tops and bralettes into your look to ooze the same level of seductive sophistication.  

Margot Robbie

Australian actress, Margot Robbie, has experienced a rapid rise in fame and success. In just two years, Robbie went from Neighbours cast member to global film star, throwing her talent, character and style into the world’s harshest spotlight.

What we find most interesting about Robbie’s look is how, despite some transformations, it has retained a laid-back vibe synonymous with her home country. Robbie blends casual-chic daytime attire with Hollywood-ready evening outfits effortlessly, which means emulating her style opens a world of possibilities.

The plunging, gold slit dress she wore this year to the LA premier of I, Tonya, compared to the long-sleeve, crew neck frock she donned for the Wolf Of Wall Street premiere in 2015; highlights a growth in sartorial confidence, and possibly, industry acceptance.  

Robbie’s style is feminine, yet eclectic. From sultry lace jumpsuits and conservative high-neck gowns, to girly polka dot dresses and sophisticated belted tapered trousers; the essence of Robbie’s style poses the idea that each occasion has a dress code, and it is up to the individual to infuse it with their preferred style.

Steal her style

Let the tone of the event guide your choices, if you want to incorporate Robbie’s style. Sneakers, logo tees and denims give off her signature, laid-back, Aussie-girl vibe when the occasion is low-key, while plain playsuits, kimonos, sandals, and asymmetric skirts reign supreme during dressed-up day events.

Robbie is a fan of floral prints and floaty silhouettes, so opt for loose-fit dresses, culotte jumpsuits and embellished gowns. In the evening, Robbie tends to stay true to the accepted standards of glamorous fashion. Ensure you don’t show both legs and arms at the same time and select garments featuring intricate embroidery, classic embellishments or eye-catching metallic finishes.

Channel your inner celebrity diva by incorporating a selection of these stars’ staples fashion pieces into your everyday look.

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Touring caravans vs static caravans: which one’s better?

Many people will begin to look at camping holidays as early as March, but is it better to enjoy these getaways in a touring caravan or a static caravan? Flogas, which can supply camping gas bottles to campsites and caravanners across the UK, weighs up the positives and negatives of each option:

Advantages of touring caravans

If you like the freedom of the open road when going on holiday, you will love the independence that is afforded to you from touring caravans as they can be taken to a wide variety of caravan sites throughout the UK, Europe and beyond if you’re really looking to branch out.

You don’t need to choose one destination and stick to it for the entire spring and summer either. Once you’re ready to see a new sight, simply pack up your gear and drive your caravan to a new campsite.

Compared to static caravans, you will not encounter as many ground costs — think maintenance and rent prices at a campsite. Adding to this is the fact that starting prices for touring caravans are usually cheaper than their static alternatives.

Disadvantages of touring caravans

As touring caravans need to be mobile, one negative is that they tend to have substantially less space than static caravans. This is definitely something that you should bear in mind if you’re planning caravan holidays with families or large groups of friends.

You may also need to look into the car you drive if you opt for a touring caravan. After all, your vehicle will need to have an engine that is powerful enough to tow your caravan — especially up hills. This is an added expense that you may not have considered when first investing in your touring caravan, so you’ll want to bear it in mind to avoid an unpleasant surprise.

Due to you having to tow a caravan of a significant weight, it goes without saying that you’ll spend more on fuel taking a touring caravan from site to site as opposed to just driving your car to a campsite where your static caravan is already set up.

Advantages of static caravans

Convenience is arguably the key selling point of static caravans. This is because once your home away from home has been driven to the holiday park of your choice, it will stay there for the rest of the spring and summer. When you’re at home and decide you want a quick getaway, all you’ll need to do is pack some clothes and essentials and enjoy the relaxing drive to your secure holiday home.

Static caravans are appealing in their designs too. Most have more space than touring caravans — in fact, some models can boast four bedrooms, fully fitted kitchens complete with integrated appliances, and the same kind of bathroom you’d expect to find in a hotel.

Know that you’re not going to be visiting your static caravan for a few weeks? Not to worry, as these can be rented out to other holidaymakers to enjoy as well.

Disadvantages of static caravans

We mentioned earlier that static caravans offer plenty of convenience when they are in place at a holiday park. However, you will need to make sure you’re happy with your chosen location as moving a static caravan once it’s in place can be a difficult and often expensive procedure.

Watch out for holidays parks which do not have a 12-month licence as well. If you happen to place your static caravan in one of these destinations, you’ll not be able to use them when the licence isn’t active — usually throughout the entire winter.

Coming to that final decision

Personal preference should ultimately determine whether a static or touring caravan will be best for you. You’re likely going to be better off with a touring caravan if you like to explore multiple sights and have only a few people with you. If you only have your mind on one destination and will be often travelling with a few people each time you seek a quick getaway though, it’s probably better to opt for a static caravan.

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