Those considered as -high net worth- individuals often require a higher level of insurance services to cover a wide range of personal property. Many valuable collections including jewelry, fine art, wine and antiques can all be covered, either as scheduled items, or with some type of blanket policy. Although these types of policies can be provided elsewhere, there are normally limits on how high the value of these items can be on other policies.

High net worth policies gives much needed protection for those high-valued homes and other properties. Many also offer concierge-style service with complimentary property valuations, appraisals and risk assessments. These should generally be done on an annual basis in order to assess any increase, or decrease, in the value of the items being insured.

Several options are available, including:

High-valued home insurance

Coverage for secondary residences

Private collections

Personal excess liability

Personal auto, and

Private staff

Policies are available to cover a wide range of exposures in and around the home. For example, those having a waterfront location or other unique exposures will need a policy that addresses those concerns. Insuring a vacation home or rental properties will require insurance that is tailored for those particular types of properties. Protecting collectibles is not recommended with the standard homeowners policies on the market because of the high value of these items.

Insuring expensive vehicles will also require some decisions as to what type of coverage and how much is needed. Driving a car only once or twice a month, as opposed to one driven everyday would require specialty collectors insurance as well. Some policies are written so that vehicles will be repaired with original manufacturer’s parts from the insured’s choice of repair shops. High deductible programs are also available.

If the home has domestic staff workers there is coverage available that will come in handy in the event someone is hurt while on the job, but also liability insurance to protect individuals against allegations of sexual harassment, wrongful termination and discrimination made by the domestic help.It is important to cover all domestic employees for work-related injuries, and get coverage to respond to any potential lawsuits.

For those owners of watercraft such as speedboats or yachts,many insurers provide protection for boats of all sizes, including super yachts that travel worldwide. There are also options available to protect the crew as well as the contents of the vessel.

With so many risks and exposures it is vial to protect so many assets with High Valued Home Insurance and other types of coverage for high net worth individuals.

An estate plan is something that nobody gets excited about doing and they are a lot of work and stress. The stress of knowing what to do to make the process go smoothly is enough to scare people; however, with a good attorney, estate planning is not something you need to fear and worry about anymore. In the mean time, there are some tips you can do to help minimize the stress.

1.The first thing you can do is determine what each person gets from the estate. When preparing your will, specifically mention who gets what and do not leave things generic or up to chance; when you leave things up to chance in estate planning , that is when you get fights over things. Make everything as specific as you can. If you forget to prepare a will, then the state will do that for you and then that can be a real problem. 2.List a guardian for children under 18 and pets. Consider someone you trust to take care of the child or pet and has the means to do so. If you know their parenting style, even better. 3.Arrange the finances for your child after your passing. Arranging for the finances for your child will alleviate the pressure of deciding how the child will be financially secure after you pass. By stating what your child gets, you prevent the child’s inheritance from being locked by the state and untouchable. 4.Specifically state how things should be spent. If you want certain amounts of money to be given to someone for a specific reason, then say that in your will. Again, leaving things up to chance leaves room for disagreement. For example, if you want to leave X amount of dollars to someone to be spent on college, then say that so the recipient cannot spend the money on something else. 5.Keep a current list of your assets and documents. Keep list of everything you owe, everything you own, including digital files products. This will be a pain to do but it will make a huge improvement in the process when your estate is being distributed to the recipients. 6.Review and revise your will. Just because you make a will once does not mean you are done. As time goes on, take a look back to your estate plan and determine whether or not everything is still good to go and if anything needs to be revised.

Students who are looking to enroll for an MBA in real estate might want to get to know a bit more about what these programs have to offer, especially if they intend on entering into this field once they have obtained their qualification. While a course will usually differ depending on the school that the student is going to be attending, as well as whether they are going to specialize in a specific field, many of them will focus on a few of the key aspects of this area of the business world.

1.Real Estate Development

Those with an MBA in real estate tend to look for opportunities within this industry, and this is where real estate development comes in; when a prime opportunity is located, professionals can inform their clients of these and allow them the chance to take advantage by either investing in the overall project or purchasing a lot or building within the development. Understanding the specifics of this field is imperative if a professional is going to assist a client in making sound investments, especially since it is a complex and challenging opportunity to take advantage of.

2.Investments

When it comes to investments, professionals need to be able to make sound judgments based on a wide range of factors, and this entails that they have a sound understanding of the thought processes involved whenever they suggest their clients make an investment. Ultimately, this is what the field of financial real estate relies on, and so it is at the core of the professional’s list of responsibilities.

3.Analysis

Having a logical mind and being able to analyze everything from the risks involved to the estimated benefits will allow individuals the opportunity to do a better job, no matter what situation they find themselves in. When a professional knows what they are doing as they move forward with an investment, they will usually do so with much more confidence, and this is imperative when a lot of money is on the line.

4.Sustainable Development

Sustainable development, in terms of real estate and a client’s bank account, depends on their advisor, and so without a thorough knowledge of this field, a professional might not be able to put their client’s needs first. While every course on this matter might differ slightly, the fundamentals remain the same, and this is because these characteristics allow financial real estate advisors the chance to begin working in the industry with a strong knowledge base; something that they can work on as they begin to build up experience through the years.

For more information about an MBA real estate, please visit our website.

Flexible mortgages were first introduced into the UK to cater for individuals with flexible working patterns. Flexible mortgages are a recent addition to the mortgage market in the UK, although they have been popular overseas for several years.

The initial target market for flexible mortgages were people who have irregular working patters such as the self-employed, and people who receive irregular payments such as bonuses and commissions.

Typical features of flexible mortgages include, overpayments, underpayments, drawdown of overpayments made, additional borrowing facilities, and no (or low) redemption penalties.

In addition to the features that allow for flexibility with payments, the interest on flexible mortgages is calculated on a daily basis. This can result in massive savings to the borrower and can significantly reduce the term of the loan.

For this reason flexible mortgages have become popular with people in all types of employment who are looking to pay off their home sooner. While the initial target market of flexible mortgages may have been the self-employed, people from all walks of life are now reaping the benefits from this new type of mortgage product.

Interest rates are generally higher on flexible mortgages than for traditional mortgage products to counter the increased risk of the borrower not repaying the full balance of the loan by the end of the term. The flexibility of flexible mortgages allows for this to happen.

Some flexible mortgages can also be linked with current accounts, chequebook facilities, debit and credit cards, unsecured loans, and offset accounts.

One popular type of flexible mortgage is the offset mortgage. An offset mortgage will offset any positive balance of funds in a bank account held with the same lender, in order to reduce the amount of interest payable.

Another type of flexible mortgage that has become popular in recent years is the current account mortgage. Flexible mortgages of this type combine the mortgage with a current account and credit card facility in order to streamline the borrower’s banking facilities. Flexible mortgages of this type are sometimes referred to as a -line of credit-.

Flexible mortgages of all types have been gaining popularity in recent years and should continue to do so as lenders find new ways of satisfying a widening array of customers’ needs.

If you are interesting in flexible mortgages, contact an independent mortgage adviser to receive unbiased, expert advice.

Visit UK Mortgage Source to search for an independent mortgage broker who can provide expert Mortgage Advice on the entire UK mortgage market

If you are looking for the best home NAS to consolidate your data, music and media files then you want to buy the best home network storage you can for the money. A home NAS device is an investment that should last you quite a few years if you buy the right one.

The right buying guidance will help you determine what features and benefits are important to you and will actually be useful in your home.

Some people want a home NAS solely for the purpose of backing up their individual computers. For that you may not be interested in NAS RAID to protect your data from a hard drive failure since it is only serving as a backup to other hard drives. Sooner or later, though, you will find yourself storing something on there that is NOT just a backup file and ultimately can lead to heartache when the inevitable crash occurs.

All hard disks will eventually fail. No exceptions. Any hard drive that does not fail on you is a hard drive you did not own long enough. Hard drives are like light bulbs, they can last a week or a decade. Most, though, fail somewhere in between.

My guess is that once you see how much you can really do with the best home NAS devices out there you will want to start taking advantage of those features.

If you are like most people and are using your new home network storage device to consolidate all of your music, movie and data files from all of your computers you may decide that the ability of the better NAS devices to automatically copy your files to an online backup service with a reasonable annual fee is a great option.

Let’s face it, most backups just do not happen unless they are setup to work automatically.

Another really cool feature is that you can download movies, which are usually pretty large, straight to your home NAS that is connected to the home network and then stream that movie to your PlayStation, XBox or even right to your new HDTV to watch.

Many cheap NAS devices available do not have the ability for media streaming and other cool multimedia functions like the best home NAS devices will.

Another item that you will want to take into consideration is how many hard drives you want the home network storage device to contain. Most will hold at least two and offer to “mirror” those in a RAID1 array.

Larger units of four or even six hard drive bays give you the option of starting out with only a couple of hard drives and then expanding later on. It is best to ensure that the NAS device you buy is able to expand the storage area without having to backup your data, reconfigure the unit with the new or larger drives and then restore your data back onto it.

Are you seeking drafting and architecture training? If so, you must understand that in order to become a legal, practicing architect in the United States, you are required to follow a specific educational path, and be licensed.

To attain a professional license, future architects must first attain professional drafting and architecture training from a qualified school. Upon successful graduation, candidates are required to participate in an internship to continue their drafting and architecture training. After that, the student may go on to taking the Architect Registration Examination (ARE) and must receive passing scores on all divisions.

If you are wondering what drafting and architecture training really consists of, the coursework will generally include related subjects such as architectural history, theory, building design, construction techniques, liberal arts, math, physical sciences, professional practice, arts and design, and computer aided drafting (CAD).

If you are serious about a career in drafting and architecture, then a vocational school or community college is a good place to gain your footing. Most employers are seeking experienced and well-educated candidates, so it is important to obtain a solid background in academics and technologies suited for the dual career. Drafting and architecture training that can be transferred to a 4-year college can be used as a stepping stone to a Bachelor Degree in Architecture and Drafting. Some vocational schools offer comprehensive technical training that will lead to a certificate or diploma of completion; others may offer an Associate Degree.

Aspiring professionals who have completed their vocational drafting and architecture training, and have successfully met all requirements of licensure, may earn anywhere from $25,000 to nearly $100,000 per year, depending on combined education and experience.

If you would like to learn more about Drafting and Architecture Training and Drafting and Architecture Schools, or even Online Drafting and Architecture Schools, you can find more in-depth information and resources on our website.

DISCLAIMER: Above is a GENERAL OVERVIEW and may or may not reflect specific practices, courses and/or services associated with ANY ONE particular school(s) that is or is not advertised on our website.

Copyright 2007 – All rights reserved by Media Positive Communications, Inc.

Notice: Publishers are free to use this article on an ezine or website, provided the article is reprinted in its entirety, including copyright and disclaimer, and ALL links remain intact and active.

After disappearing from the mainstream mortgage market for nearly 5 years, stated income and no income mortgages are finally making a comeback.

You may remember stated income loans – these are the ones in which borrower state their income on the loan application but are not required to provide supporting documentation such as tax returns, paycheck stubs or W-2s.

Primarily used by business owners with generous write-offs up until late 2006, stated income loans are now available for both self-employed and W-2 employees. The general guidelines for stated income loans are as follows:

Up to 70% loan-to-value Loan amounts up to $1,000,000 Minimum credit score of 700 Property must be located in California Debt-to-income ratios not to exceed 40% Property must be the borrower’s primary residence Purchase, rate and term refinance, or cash out refinance allowed Single-family homes, condominiums, townhomes and 2-4 units properties The income stated must be reasonable in relation to the position of employment No tax returns, W-2, paycheck stubs, or 4506-T are required Borrowers must be U.S. citizen or permanent residents Self-employed or W-2 employees allowed

Unlike a stated income loan, where the borrower is required to state their income, on a no income mortgage the income section of the loan application is left blank and the borrower’s debt-to-income ratios are not calculated.

No income mortgages are available for both self-employed and W-2 employees, and may be used to purchase or refinance a primary residence, second home, or investment property. The general guidelines for no income mortgages are as follows:

Up to 65% loan-to-value Loan amounts up to $2,000,000 No minimum credit score required Property must be located in California Borrower may finance up to 3 properties under this program Purchase, rate and term refinance, or cash out refinance allowed Single-family homes, condominiums, townhomes and 2-4 units properties allowed Primary residence, second home or investment properties allowed No tax returns, W-2, paycheck stubs, or 4506-T are required Income section on the loan application is left blank Debt-to-income ratios are not calculated Self-employed or W-2 employees allowed Borrowers may be U.S. citizens, permanent residents, or foreign nationals

This is the perfect opportunity for people who are unable to qualify for a traditional full documentation mortgage to purchase or refinance a primary residence, second home or investment property.

For more information on stated income or no income mortgages, call Lenderline at 1-888-661-7888 or go to www.lenderline.com for more loan programs.

True, a siding installation job will be a snap for any knowledgeable Charleston siding contractor, but the procedure can go more efficiently if you can carry out your very own obligations too. You should take note of the work the contractor is carrying out to make sure that your demands are met. Below are a handful of ways that you can work more effectively with a siding contractor.

On your very first meeting with a contractor, ask him about his previous work experiences. If he has considerable experience in the field, then he knows what actions to carry out to ascertain he delivers quality with his services and materials. Ask if you can explore a few of his work samples, and evaluate them based on their quality and your personal preferences. .

Even though technically, you can buy your own siding material, it is frequently more suitable to buy the products through the siding contractor. Due to the fact that it is his product, he will have the know-how and capabilities necessitated to appropriately install it. Inquire the contractor for several samples of his products so that you can select which ones you favor.

Have the contractor clarify to you anything you might not comprehend. Ask him about the conveniences and negative aspects of particular densities, patterns, approaches of installation, and more. Let your contractor know what you’re looking for in a siding, and partner with him as he aids to find you the product that matches your criteria.

If you’re having your old siding replaced, you have to talk with the contractor about exactly how the old siding will be taken out. You need to understand just how the contractor will engage in this, or you may not be fulfilled with the end result. Explore with your Charleston siding repair contractor whether the underlying walls will be re-insulated or not.

Communicating with your contractor is a method of lessening risks and being reasonable to everyone included. Follow the aforementioned advice, and your contractor can set up for you a siding that you’ll be satisfied with. For more information on the different kinds of sidings, check out homerepair.about.com/od/exteriorhomerepair/ss/siding_types.htm.

Residential elevators are convenient accessibility equipment for the physically disabled and elderly individuals to easily entry the different floors. Except for providing stress-free floor to floor access, residential elevators add luxury and resale value to your home and are being utilized in several multistoried residences.

The residential elevator manufacturer is often permitted to be of lower value and complexity than full commercial elevators. They may have distinctive design characteristics suited for home furnishings, such as hinged wooden shaft-access doors instead of the standard metal sliding doors of commercial elevators. Construction may be less sturdy than in commercial designs with shorter maintenance periods, however safety systems for example locks on shaft entry doors, fall arrestors, and emergency phones should still be present within the event of malfunction.

Residential elevator manufacturer incorporate several advanced features to secure safe and reliable transportation. Many of the fundamental security features are offered at no extra cost. The more sophisticated luxury functions, such customized and stone and glass interiors come with much more expensive models that are generally put in in massive mansions. The key security functions of home elevators include door interlocks, emergency stop with alarm, backup batteries, telephone, one bit screen controls, etc. Besides having technically advanced security features high finish home elevators also are designed to boost the sweetness of residences, whereas the much more reasonable elevators usually suit any interiors. In brief, there’s an elevator for any budget.

Since 1982 the Wallace Family has been putting in, servicing and coming up with elevator techniques for both residential and commercial applications. From simple stair chairs to sophisticated 40 story skyscrapers our products and services have enriched the lives of hundreds of thousands of people throughout the United States.

Within the late Nineteen Nineties we began to work out a rise within the demand for residential elevators. Inside some years we had turned our complete focus to the service and installation of residential elevators. Our background and training quickly enabled us to grow our organization into one from the nations largest residential elevator manufacturer and installation companies.

As our company grew, so did our require for quality products. We tend to developed AHE Producing through the information and experience of several systems and manufacturers. This information has enabled us to style an elevator producing organization that is the best of breed in each and every aspect. From our outstanding customer service, quick lead times, custom designed cabs, and in fact, the reliability of our systems, you are in a position to be sure that each and every elevator we tend to manufacture is intended and created as if we tend to were installing and servicing it ourselves.

Here are some key items of this element: the color green, east or south-east direction, the symbol of a dragon, and more Yin than Yan energy. The symbols that depict it include flowers, trees, wooden items, rectangular furniture, straw crafts, paper crafts, fabric crafts, and paintings depicting a forest.

Its easy to add this element to your home using special feng shui figurines made of wood. Here are some good examples of such figures, and an explanation of their properties.

Elephant: The elephant figurine will help to make you more powerful and successful. Elephant became the symbol of a just and respected leader in China. The Elephant will help you acquire the necessary qualities to achieve recognition and high status. Place the statuette in your office or near your workplace at home.

Toad: A toad with coins in its hands is a talisman that helps to attract money. You need to place the toad near the entrance door, diagonally. Dont set it too high or too low. A money toad should look at the front door, welcoming wealth into your home. A money toad holds Chinese coins that symbolize prosperity.

Dragon: The dragon will help improve the energy of your home and help you succeed. The Dragon will activate the Yang energy that’s needed for success in new endeavors. The Dragon is one of the 4 protector animals, each of which corresponds to one of the four cardinal points. A dragon guards the eastern direction, so the statue is best put in the eastern sector of your house. However, the dragon embodiment of the feng shui wood element can be placed anywhere.

Dragon on a pearl: The dragon is a symbol of the Yang energy. In China, the dragon also symbolizes rain, which nourishes the earth and makes it fertile. The Dragon brings prosperity. The dragon that sits on the celestial pearl can help to make wishes come true. This figurine can be placed anywhere in your home or office.

Double happiness: The hieroglyph Double Happiness helps to harmonize relationships and strengthen love. In China, it’s a tradition to present this hieroglyph as a wedding gift, so that the newlyweds union remains strong. The hieroglyph is best hung in the south-west part of the bedroom, to attract and maintain love.

The mystic knot: The mystic knot is one of eight characters that appeared on the soles of the Buddha (according to legends). This sign is identified with the endless love, so beautiful that it has no beginning or end. It’s a good idea to hang this sign in the bedroom, to help prevent separations in your relationship.

These figurines are typically carved from a single piece of mahogany tree, Abash tree, and many others. They can become a perfect decoration for your home and help you balance your life using the feng shui wood element.