Does Home Insurance Cover a Laptop?

In many ways a laptop or a or similar type of tablet or phone has become an increasingly common item that needs to be considered under a home insurance policy.
In one sense it is fairly straightforward that any item such as a laptop or any type of computer can be included in the normal contents or possessions schedule of a home insurance policy that covers contents and possessions under the terms of the policy.
There is a proviso that most insurance policies will cover certain electrical items on standard terms against certain named perils or losses.
Items that are removable easily by an individual and are likely to be taken with them either in their car or to work also often need cover outside of the home against loss such as being damaged or stolen.
This is the area where home insurance concerning laptops becomes much more difficult, and in many ways untested as to what level of cover is actually provided. The problem with home insurance covering laptops etc is not simply the loss of the item itself, it is often the loss of data that has on the item especially if that could lead to some potential liability claim against the individual concerned.
Traditionally home insurance would exclude any type of business being operated at the home, on the assumption that any home business was effectively a physical type of business involving customers, plant, machinery etc.
This would mean that any individual who operated a business out of our home would have to apply for specific business insurance that would be tailored exclusively to a mix of residential and business conditions appropriate for their situation.
With the growth in computers and laptops, this has changed enormously as many people use a laptop as part of the business, either employed or self-employed. As such people will use their laptop or computer at home either exclusively for their own business if they are self-employed, or often they will take work home with them that they will do on their computer at home.
This raises the question from a home insurance point of view as to what level it covers any type of individual doing work that is business-related that could be deemed commercial as opposed to residential.
Most insurance companies have addressed this issue to an extent, by normally including a specific endorsement or rider in the home insurance policy that gives limited coverage to a business that is being carried out at home. This type of insurance extension is normally meant to cover an individual using a laptop or similar item that would be no different whether they were doing residential or commercial work at home with it.
This aspect of home insurance is important because it can be extended to cover many other household items and garden items, where the item can be used either for a purely residential purpose or a mix of residential and business purposes. The advice for any policyholder if in doubt as to whether the laptop or other household item is covered under their insurance policy is to agree in writing via email with the insurance company at the outset of the commencement of the policy that any said items are included.

Peter Main is freelance writer who has spent almost twenty years in the insurance industry, working at Lloyd's of London. He writes extensively about home insurance and in particular about how home insurance works in covering buildings, contents, identity theft, liability, and garden and lawn machinery such as garden tractors, snow blowers etc.

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A Guide for Choosing the Best Hybrid Laptop

With a hybrid laptop, you will avail the benefits of two devices i.e. a laptop and a tablet PC with a single device. It means that when you have to accomplish a particular task, you can run desired desktop programs. On the other hand, when you want to enjoy playing games or checking Facebook notifications, you can use this device as a tablet. Now, the question arises here, how will you know which hybrid laptop is worth choosing? Let's find your answer with the points stated below.
Select the right size
The first point that you must keep in mind, while shopping for a hybrid laptop, is screen size. Remember, some hybrids are designed in such a way that they can be used as a laptop first and as a tablet second. Similarly, some of them are designed as tablets first and laptops second. For example, a 10-inch screen device like Asus Transformer Book T100 is a good example of this category. Similarly, a 15-inch hybrid device like Acer Aspire R7 is a good example of laptop first category. Therefore, for choosing a device, you need to first focus on the screen size of the device.
Slider, Detachable and Flexible design
The second important point that you must not forget while selecting the best hybrid laptop is its flexibility. There are plenty of models available in the global market to choose from. What all you need to do is to first determine your requirements, and then go for a particular hybrid laptop. As you know that a hybrid laptop is a combination of a tablet and a laptop computer, so you should determine whether you need a desktop category device or tablet preferred device. However, you can enjoy the benefits of both devices but choosing a device according to their slider, detachable and flexible design, will give you more options. If you want to use your device as a tablet PC, you need to choose a detachable design so that you can leave the keyboard when you don't need it. The Surface 2 is considered as the best option for a detachable device.
Processor and other Specs
The processor is considered as the most important feature of a device. The overall performance of a particular device depends on the processor type. This is the main reason that most of the devices come loaded with a fourth-generation CPU of Intel. You can also choose a Core i3 processor that will surely give you amazing performance. If you are looking for a processor that will provide great balance of battery life and speed then you need to go with a Core i5 processor.
Apart from choosing right processor, you also need to focus on selecting a device with some extra-ordinary specs. Hence, you must choose a device that should equipped with at least 4 GB of RAM. You need to choose a device that comprises with a 500GB internal storage space. You must avoid selecting a device that doesn't offer sufficient amount of flash because without a proper flash, you can experience a delay in its responsiveness.
Consider You Budget
Last but not the least, while choosing a hybrid laptop, you must consider your budget. Hybrid devices come with different price tags - from more expensive to more affordable. Hence, before making a final decision, you need to go through the various available options to find out the best deal.

Hybrid laptops are used as a multi-purpose computer on which you can perform various tasks and the best part of these laptops are the ability to work as a tablet PC as well as a laptop. Since, the demand of these devices are growing day-by-day, manufacturers are releasing their next-generation laptops with high-end internals. Let's find out more details on these devices.

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Advice For Purchasing New Laptop or Tablet

If you are considering purchasing a new laptop and a tablet, think about a convertible laptop. Convertible laptops are basically like a tablet mixed with a laptop, and you will spend less on this option than you would if you purchased the two units separately.
Know how much you're going to spend on your new computer before you head out to buy a laptop. Are you a PC or a Windows person? Macs provide impressive graphics technology making them perfect for those who thrive on advanced graphics.
Carefully consider the laptop weighs. A weighty laptop can mean trouble for your shoulders and back muscles, so you should try and get a light one that is easy to carry. Lighter should not necessarily mean more expensive.
Integrated chips are not as fast and may stutter if play a lot of the time. Decide whether you require a quad-core chip and a dual-core processor.
Look online for both discounts and coupons you save money on your laptop cheaper. You do not want to pay full price only to find out that there was a discount you could have to.
Consider getting online shopping when you're in the market for a laptop. Online prices may be better than physical stores. You can also often find coupon codes which are only available online. Look online before buying one in the Internet can save you money.
Your laptop is sure to last longer when you purchase a laptop cooling pad. One reason people always have to deal with failing laptops is because they let it get too warm. A small investment of $20 can keep your laptop stays alive for a much longer time.
Make sure your laptop has an adequate sound system. Many laptops have low quality sound capabilities of desktops. Be sure that you're checking out the sound system before you buy it.
Try out any laptop computers before buying. Many people don't consider how ergonomics play into a laptop and only look at how long the setup of the laptop.
Remember to consider battery life as you shop for your next laptop. Even if you don't plan on taking the machine on the road much, it's still inconvenient to have to recharge it constantly. Look for at least four hours of battery life.
Do not be confused regarding netbooks. Netbooks are just simple tools so you can check email and use the Internet, but lack the power of true laptops. Don't get a netbook if you're after a laptop.
Think about a tablet computer if you only plan to use a laptop to be an entertainment center. The good thing about a tablet is that it can be used for downloading apps and that means you'll always have access to your software.
It should be easy to see the value of laptops and what they can do to make life easier. This article has offered many tips to help you along the way. Keep this article handy in case you need to refresh your memory.
If you want to buy laptop or tablet online, i think amazon is the best, they always offer a cheaper price than others an you have many choices.

Useful Advice For Purchasing New Laptop or Tablet

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Elevating Screens Through An Ergonomic Laptop Stand

Laptop screens are hardly ever at a proper height. They are either too high or too low, thus resulting in neck and back injury due to excessive craning and slouching. These postures affect the body physique and alignment as well as the mental functions. Eventually, the situations can impact long term health.
One way of improving posture, focus, comfort and health in general is to use an adjustable height computer workstation. Workstations must not be treated as universal, because one design that works for one worker may not necessarily work for the others. It would be plausible to use ergonomic laptop stand, for instance, to properly fit a worker's specific dimensions.
Height adjustability is important in holding the screen at eye level. Ergonomic laptop stand improves the posture of the laptop users as it elevates the laptop screen to eye level. The high adjustability of the stand also allows the user to adjust the screen angle to lessen glare. It allows the user to sit up straight and not to hunch for long periods of time.
Furthermore, computer screens are usually positioned either too far or too near your eyes. You need to use the right screen distance to lessen the chance of straining your eyes too much and cause irreparable damage. The screen must be center and within arm's length. This is the reason some people prefer to use laptop stands with a tilting panel to easily adjust the height and angle of the screen.
As a general rule, the screen must be positioned with the top of the screen about 2 to 3 inches above the eye level when seated; keep in mind that this is only a guideline, you can choose the setting that is most appropriate and comfortable for you. Choose a position that will not require you to tilt or turn your head.
Most of the best laptop stands are also made from aluminum, a lightweight, stable and durable material. Aluminum is also capable of dissipating the heat produced by the laptop thus preventing it from overheating; some laptop stands even have built-in fans to further enhance their cooling capabilities.
In sum, an adjustable height computer workstation obviously helps in setting the most comfortable screen height and sitting position for you. A solution is using ergonomically designed laptop stand with or without a tilting panel, depending on your preference and extent of use. Laptop users like you will definitely benefit from using a laptop stand as it can accommodate different working positions and conditions.
You may think that designing your workstation ergonomically is a costly endeavor. However, you should think of the health benefits the use of a laptop stand may have and not the cost of buying one.

For more information regarding adjustable height computer workstation and ergonomic Laptop stand Please visit: Uncagedergonomics.com

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The Energy Device (TED) Invented by Nanik Mulchandani

The effects of global warming and a rapidly growing population have impacted depletion of fossil fuels and increased the greenhouse effect. In the last century, there has been a substantial increase in fuel consumption which has led to an increase in the demand of energy all over the world. Nanik Mulchandani has invented and patented an unique energy device which has the ability to generate clean power, whilst also having the ability to effectively be harnessed as a source of mechanical energy for urban and rural transportation.
Addressing common bottlenecks faced by the clean energy industry including scalability, high cost per megawatt, intermittent power supply and difficulties with maintenance; Nanik Mulchandani has taken efforts to develop a green energy device which does not depend on conventional energy sources like sun, water and wind which are existing major options for green power generation.
Nanik Tirath Mulchandani has therefore presented a device related with the apparatus and its mode of operation which can be directly embodied on a vehicle or otherwise for generating power. The object of his invention is to provide energy which may operate without using fossil fuels. His device is a simple design which reduces construction and maintenance costs while successfully meeting generation needs. Nanik Mulchandani's patented device is in fact, a powerful method of generating electricity through the expansion and contraction of a fluid.
His device comprises of cylindrical chambers, heat capsule, piston, crankshaft, gear box and electrical connector which are externally linked. The apparatus invented by Nanik Mulchandani includes a volumetric amplifier connected to a patented cylindrical container filled with liquid mercury. This amplifier is connected to a specific gear box and externally connected to an electrical generator. A heat capsule connected to the mercury mover receives heat energy from an external source which subsequently causes a change in temperature of such mercury mover.
In addition, Nanik Mulchandani's apparatus also has the capacity to display changes in temperature, which is indicated by indications on the heat supply from the heat capsule, and decreases in temperature by a cooling effect with water sprays. When heat is received by the capsule, mercury, which is capable of transforming into fluid at 25° Celsius, occupies a greater volume. The effective volume available within the mercury mover being fixed, results in the movement of a piston.
This resultant movement marks the completion of a semi stroke and when connected to a volumetric amplifier, causes hydraulic fluid to flow to the hydraulic cylinder. Further passage of the hydraulic fluid from the outlet/inlet port of the amplifier, results in the piston getting retracted back into said mercury mover chamber which responds to a cooling action of such arrangement. The completion of a stroke, where the piston moves away from the mercury mover chamber in response to the expansion of mercury, is followed by a return stroke wherein the said piston moves towards the mercury mover chamber.
In response to the full stroke, the hydraulic fluid from a secondary hydraulic cylinder flows back into the volumetric expansion chamber through the corresponding outlet/ inlet ports of a secondary hydraulic cylinder.
This process of repeated full strokes results in a repetition of piston movements of the hydraulic cylinder and/or the volumetric amplifier. The eventual rotary movement of a crankshaft connected with a gearbox causes a step-up/step-down of the shaft speed depending on the requirements of an electrical generator.
The output of the gearbox is transferred to the flywheel connected to an electrical generator with the help of a gear arrangement which meshes the output gear of the gearbox and an external gear on the flywheel shaft. The rotation of the external gear results in the rotation of flywheel shaft and thus the flywheel. The flywheel shaft being connected with said electrical generator, results in rotation of the rotor of the electric generator and hence electrical energy is generated.
Volume of mercury is thus enhanced due to absorption of heat energy supplied through the heater. Furthermore, embedded heater is programmed to maintain the heat levels of the mercury, which is injected to the mercury mover. The heating and cooling mechanism of mercury is accordingly carried out in the mercury mover. The mercury mover maintains liquid mercury at required pressure levels, and mercury in the cylindrical chamber is prevented from leaking from the cylinder through a seal with rubber 'O' rings.
Nanik Mulchandani claims that his patented device for power generation will reduce the usage of fossil fuels, which could be saved for future generations and also, reduce the greenhouse effect.

Nanik Mulchandani is the inventor of the unique energy device which has the ability to generate electricity without using fossil fuels. This article defines and explains its objectives of his invention that how helpful it is for the future generation.

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5 Zero-Cost Software Suites To Improve Photos Taken With Cheap Digital Cameras

Cheap digital cameras are quite common nowadays, with low-cost cameras coming packed with features that were once reserved for the most expensive of models. The problem, however, is actually processing those images on a computer to iron out flaws and improve the overall quality. That's where the term photo shopping came from, after all.
The thing is you don't need to pay big bucks for Photoshop or similar high-end software suites for basic image editing. You can chug along just fine using the following free software packages:
1. Paint.NET - if have just obtained your first set of cheap digital cameras and want a simple software package that is easy to use, then Paint.Net is your first choice. It has all the basic tools to crop, resize, adjust, rotate and otherwise manipulate the basic properties of a picture. Then there are secondary effects to spruce up the same photo and even has basic layering capabilities. In a nutshell: Paint.Net is great for first-time owners of budget cameras.
2. Fast-Stone Image Viewer - It is a bit more complicated to work with than Paint.Net and sports an interface that takes some getting used to. Put some in ime learning it, however, and it quickly proves itself as a capable image editing software that goes well with many cheap digital cameras. The highlight, however, is Fast-Stone Image Viewer's slide show feature which lets you put together your own slide show complete with music and picture transition effects. In a nutshell: Fast-Stone Image Viewer is great for intermediate photo editing as well as creating customized slide shows.
3. Pic-Pick - Pic-Pick offers an expanded array of features all packed into a no-nonsense interface. Magnifier, pixel ruler, protractor, whiteboard - all these and more allow users to more thoroughly manipulate the images captured by dedicated digital cameras. Pic-Pick is so feature rich in fact that it can even be used for digital art design. This is especially true for Pic-Picks' whiteboard mode, which allow users to introduce elements into and on top of the images they plan to edit. In a nutshell: Pic-Pick is great for more advanced photo editing and digital art design.
4. GIMP - the GNU Image Manipulation Program has a storied history, reaching as far back as the 90's. It has been constantly updated and improved by a cadre of dedicated fans - leading to one of the most comprehensive free photo editing suites out there. Its interface is easy to work with, comes loaded with options that complement its image manipulation capabilities (like conversion, batch processing and photo retouching) and can even be modified with a wide array of downloadable plug-ins if you cannot find the features you are looking for. This makes it the perfect companion for techies that know what they want from their cheap digital cameras and the software that supports captured images. In a nutshell: GIMP is hands-down the free software suite of choice for advanced photo editing for those willing to invest time and effort to customize the suite.
5. Snap-seed - if you prefer to do your photo editing on tablets instead of personal computers, then Snap-seed comes highly recommended. It comes with an Auto Correct feature that will quickly 'fix' an image for you with nothing but a single tap, although you can modify saturation, brightness, shadows and other features yourself if you want to. Then there are the customary frames, filters and layers to help jazz up your photos captured with your cheap digital cameras that you can share via email and/or social networks if you want to. In a nutshell: Snap-seed is great for hooking up affordable digital cameras to tablets and then doing a few basic edits using the processing power of the latter.
Download and install these free software suites to help keep your photo editing costs down to match the price of the cheap digital cameras you use. Use the software right and even images you captured using humble mirror less digital cameras can be polished up to perfection!

Looking for cheap digital cameras that will reliably fill out your casual photography needs? Visit http://www.Chinavasion.com today to check out the wholesaler's extensive list of top-notch cameras and to save more when you buy in bulk!

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The Dynamics of Legacy Leadership in the MLM Sphere

I must be honest a couple of years ago I started reading a lot of books on wealth creation and money in general.
Life has a way of shedding light on the limitations of the rat race and you begin to realise that both from a perspective of your own personal self worth and the need to develop enough financial freedom to enjoy your existence on planet earth; your going to have to pull yourself up by your boot straps and do something to drive the future of your financial ship in the direction you want it to go.
So my wife and I began studying extensively a variety of different strategies of wealth creation. I guess we were looking for something that would tick the various internal boxes and push the relevant buttons that would tell us this is a good fit and in line with our current personal circumstances. We looked at property, we started a fashion business, we learnt extensive amounts about marketing and web marketing, and we joined a variety of Multi-level marketing companies with varying degrees of success. But sometimes it feels like you're looking for a needle in a haystack or even more confusingly you're looking for a needle in a haystack but you have no point of reference for what a needle is or even looks like.
I guess a big part of the lesson is that perseverance in the learning process is imperative, as there are so many paradigm shifts that need to take place and for me at least a considerable amount of self discovery was certainly involved. What a journey it has been. Well I guess now I realise that essentially I'm a people person, also that I'm a writer and that I must on a regular basis engage in left brain activity as essentially I'm a creative person.
When I left school my desire was simply to get into fashion, music and art, I even had specific areas and niches of interest, but as life would have it, I made a series of decisions that meant my career was fast becoming a slog up the 9 to 5 ladder; simply seeking to make a living for myself and my young family with no particular creative outlet.
I read Rich Dad Poor Dad and instantly had respect for Mr. Kiyosaki and appreciated the concepts he was putting forth. Then a fellow traveller along the proverbial 'exit the rat race motorway' handed me a copy of Kiyosaki's; The Business of the 21st Century. To be honest it made a lot of sense. The way he put it makes you realise the beauty in the MLM model if done correctly. But I don't know; I think a lot of different folks approach this business from so many different angles it can be difficult to know if you'll get the support and network that really make Multi-level marketing the opportunity it should be.
I've heard it said everything hinges on leadership, and to some degree I agree, but what exactly is leadership. In Multi-level marketing, good leadership comes from a place. I think it really helps if first of all you really want to see others succeed. Genuine leaders always want those they influence to excel and achieve their personal potential. Simon Sinek in his book titled 'Start with Why' states people follow leaders for themselves. But as leaders it's easy to forget this, particularly when a little bit of ego gets involved. Of course within MLM leaders or to put it in the industry vernacular; 'up-lines' are incentivised to assist their followers AKA 'down-lines', invariably the more you make the more they make. But we need to be aware of the 'human nature' factor; unless we genuinely can handle success in others then it becomes difficult to go out of our way to support others succeeding, and I think we see the wayside strewn with the casualties of failed leadership within the MLM industry. It gets expressed in criticism and Sinicism and a general distrust for what gets categorised as pyramid schemes and it can make recruitment and the development of ones business harder work than necessary, trying to patch up the failures of others as you seek to educate others and elevate the value in what you do.
We'll I think leadership is imperative, and a good internal grasp on what I call 'legacy leadership' is really the key. Essentially in order to create holistic wealth, always put the client at the centre of your focus. In MLM your clients are your customers those who use and purchase your product also your clients are your down-lines, your recruits. These people become your legacy and if you invest in them correctly these people will be the trees from which you'll harvest your MLM wealth. The first rule of legacy leadership therefore is in order to invest in others, first invest extensively in yourself. Self investment initially requires a posture of mind and heart that embraces your own self-worth. You'll never invest in something you don't deem worth the investment, and you'll be surprised at how many people don't see the imperative of self investment because they have no estimation of their real value or because they are waiting on others to see their value and invest in them. The oxymoron is that as you develop you will frequently see the potential in others and you'll look for opportunities to foster and nurture what you see, but unless they see the potential both in themselves and the opportunity, the personal journey of self development and business development will never begin. This I guess is where communication and the ability to convey a vision become so useful.
The authenticity and integrity of your own journey will become startlingly apparent under the spotlight of vision casting. The temptation to exaggerate or flatter has caused multiple ship wrecks. Often times people need truth downloaded in bite-size pieces, particularly when you convey to a person the earning potential, and what you believe they are capable of. There is no free lunch, but most people will gladly accept a worthy challenge if the odds are stacked in their favour and they can see the logic in your system. It also helps at this point if your company has some credentials worth its salt. In our society and particularly in British culture people are fed up with being ripped off and they will generally only subscribe to things they can recognise and trust. I know I've had to do my fair share of home work and ground myself in product knowledge in order to offer a service that boasts the hallmarks of personal brand excellence and robust after sales service. I strongly recommend therefore know your stuff, know yourself and be a student of people their needs, drives, motivations and aspirations and use the MLM model to meet those needs within the capacity to which it is uniquely positioned an opportunity to develop wealth on your own terms without the risk or the 'need for capital' required to begin a normal bricks and mortar enterprise.

Omar Phillips writes articles aimed at helping us live the abundant life we were put on the earth to live. He firmly believes, God is on our side and that life is to be lived to its fullest. He invites you to join him as he documents his journey. Visit him at: http://www.facesetlikeflint.com to find out more.

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