Which Renter's Insurance cover do you need?

Rental Insurance is no joke! More and more individuals are opting for renter’s insurance these days as landlord throw in more and more amenities for which you indirectly become responsible. If you have no clue about what Renter’s Insurance is about, you should probably check out the A-Zs of Rental Insurance before reading further.

When you rent out a house or an apartment, there are basically two types of property within the property you stay. One is the landlord’s property and other is yours. Many might be a bit too casual about insuring the building and the amenities provided by the owner. However, what if there is a break-in due to your carelessness and a number of items are stolen that aren’t yours?

The same can happen in the case of a natural calamity too! If you landlord does not have enough cover and takes a long time to repair the damage you might end up without an accommodation and spending lot of money in a hotel!

While many landlords insure the building, the basic amenities might be left without any coverage and in the case of a disaster you could be left for a long time without basic amenities. This is why Renter’s Insurance becomes important.

So what cover should you opt for?

There are tons of coverage options to go for and you probably will not need them all! Get all the basics without fail: Fire, Water, Lightning, Theft, Vandalism, Storms and other natural calamities. Consult with your landlord and double check what he has insured. Most landlords insure against rain since it is cheaper but that will not cover damage caused by floods! Opt for a more comprehensive cover – the risk is not worth taking!

Renters Insurance gives you absolute peace of mind. Go ahead and consult a professional and get competitive quotes – for a few dollars a month you can rest easy.

Living in the US as a student or a bachelor can often involve moving around a lot. Be it a more value for money accommodation or a sudden shift in the workplace that forces you to move, it can happen unannounced. Moving requires a lot of planning to be done right but one can also rush into it and come out unscathed if done right. Here is a guide to doing it without a fuss in little time.

Get help!

It is as simple as it sounds, you need extra hands while moving and more so if on a constricted time scale. If you have a lot of things that involve a lot of packing than moving and if you have just a matter of hours or a just a couple of days it is best you hire a professional packer and mover. However if you are the type of person who shoves your stuff in the back of a truck and gets going you can do it yourself but do get your friends or neighbors to help you out.

Concentrate on the valuables first

Moving is one of the major reasons why people lose valuable stuff. It could be anything from documents, certificates or tokens of remembrance. Some things can be replaced, some can’t so best concentrate first on these items and put them in a separate box marked important. Electronics and other delicate items that need to be handled with care should go in boxes padded with Styrofoam or thermos and make sure they are loaded properly and handled with care during moving. Fragile items have to be packed with enough padding and marked appropriately.

Prep your destination

Moving does not just involve your present house but also involves the house you are moving to. If within a drivable distance, swing by and make sure everything is in place yourself before moving. If it is far off, call your landlord or real estate agent to make sure it is ready to move in. Call the civic authorities and confirm if the amenities like power, water and gas are readily available.

Overlooked yet important things

Most of the times we are so focused on the bigger things that we miss out on the smaller details that could cost a lot.

• Defrost your fridge 24 hours in advance and plug it off
• Empty the food and dispose of any leftovers that you might have
• Withdraw cash from the ATM though most services accept cards, always carry cash
• Double check after your house is emptied. Cupboards, attic, and closed shelves importantly
• Remember to change your address everywhere – mails, bills, services, banks etc.

Moving can be hectic but often is a good way to bond with family or friends. Do it right and it can end up being a fun memory.

Bong with your kid over funny poems

Funny poems make both adults as well as children laugh and giggle; getting silly together helps both to connect on a whole new level. They not only help children to celebrate the joy and wonder of their world, but also start them off with a healthy respect for poetry and humor. True humorous poems tickle the funny bone of their imaginations and satisfy the short attention span.

According to Kenn Nesbitt, a children's Poet Laureate and author of some of the funniest kids' funny poems and reading material can even make the most hesitant readers to read as it is easy and interesting. When children are exposed to short and interesting reading material like joke and riddle books, books of humorous poems, funny books, encyclopedic books with fascinating pictures and books that are 'gross and disgusting they would start reading.

Most kids’ love things that make them laugh with sharing humorous books together being not only fun for the kids and their parents, but also provides a powerful bonding experience for them; so read poetry whenever you spend time together.

Spending time together reading out aloud funny poems with kids helps not only share a laugh together, but also make sense of the world around them.  Humorous poems help kids notice things that are out of place, silly or just plain ridiculous and to develop a funny bone. They help poems kids pick up the clues and enjoy that moment.

 "Moo, Baa, La La La" by Sandra Boynton

These board books of rhymes make babies giggle with glee; parents too enjoy it. It helps babies to get rhyming, anticipating and learning animal sounds from a young age. They also discover what animals do and don't really say.

"Spot the Duck" by Gerald Hawksley

These silly, quick couplets combined with fun illustrations would provide laugh-out-loud fun and surprises for parents and little ones. You could also get an inexpensive Kindle eBook, for starters.

Some poems for pre-school children from 2 to 5 years of age:

 "Poem-mobiles: Crazy Car Poems" by J. Patrick Lewis and Douglas Florian

Written by award-winning children's poets J. Patrick Lewis and Douglas Florian these imaginative set of poems makes kids laugh, think and jump-start their imaginations; you may find yourself reading it again after they go to bed. 

   "Hey, Little Ant" by Phillip Hoose, Hannah Hoose and Debbie Tilley

Started as a father-daughter song, and the "Hey, Little Ant" story, it imagines the conversation between a little kid and a tiny ant. Will the kid squish the bug or let him go?

Some poems for school-age Kids from 5 to 10 years of age:

"The Butterfly Jar" by Jeff Moss

A classic Moss with a humorous side; Moss is the original head writer and composer/lyricist for the groundbreaking children's television series "Sesame Street."

"Orangutan Tongs" by Jon Agee 

Read these poems aloud by turns; you will surely have your tongue tangled with these twisted silly verses.

"Poems I Wrote When No One Was Looking" by Alan Katz

 A writer, producer, songwriter and author, Alan Katz keeps coming up with funny things to write about everyday life as a kid. "Poems I Wrote When No One Was Looking" is full of wry rhymes, wacky suggestions, silly puns, and gross suggestions.

Nannies in New York doing these kind of poems and all those things.