Shiny Media Sites
Shiny Lifestyle
- Available For Panto
- Bayraider
- Brandish
- Corrie Blog
- Crafty Crafty
- Dollymix
- Hecklerspray
- Hippyshopper
- Kerching
- Lost Weekend
- My Chemical Toilet
- PopJunkie
- Star Trip
- TV Scoop
As reported: "In Russia suspended ceiling is not only a stylish element of the flat interior, it can simply save your dwelling from flood made by the careless neighbors living above. Like in this case the practice shows that it is able to gather and hold all the water. Now the question is how to pour it off safely. But just imagine you wake up one morning and your ceilings look like this!"
You have hammered your plastic pals and are in possession of a small mountain of tat.
Shopping for luxury goods is a mug’s game. Why buy at full price when the January and mid-summer sales sell the same thigns for much less?
Among your haul are electronic goods - DVDs, computer games, add-ons for computers and lap-tops.
These are valuable goods that need to be taken care of. So, when the shops assistant offered you insurance on your lavish purchases, you began to think.
How often do you go on holiday? If you travel more than once a year, then you should think about taking an annual insurance policy.
This should reduce the cost per trip. But it may not cover going away for an entire year. There are usually a maximum number of days you can be away, typically 30 to 60 days.
Backpackers who want to experience the thrills of walking around looking like a turtle for months at a time while finding somewhere exotic to use mum and dad’s credit card may need a specific insurance policy.
If you want to know what can happen to you when you’re overseas take a look at the Foreign & Commonwealth Office’s (FCO) website. There are links offering advice on such foreign delicacies as: “avian and pandemic flu”, “terrorism” and “hurricanes”.
Anorak’s favourite alarmist section is called “It'll Never Happen to Me!”. It advises: “Things can go wrong on holiday. You could fall ill or have an accident; you could have money or luggage stolen; your visit might be cancelled or cut short through injury or illness; your family may need to fly out to be with you if there is a serious incident.”
It’s compulsory. It’s expensive. But if you never make a claim on your car insurance, you can get a reduction in your premiums. This is called the no claims discount.
This is not some rare form of altruism in the insurance business. Having never made a claim, and paid into the pot for years, you are a low risk customer.
Each year that you insure your car, and do not make a claim on your policy, you receive a "no claims bonus”. For each year you are insured and don’t make a claim, this bonus builds up.
Last week we saw that premiums are all about risk. It follows that if you can reduce the risk, you can reduce your premiums.
But not every element of what determines your insurance premium can be altered.
Younger drivers are expected to have more accidents than older ones, so their premiums are higher. You cannot legally alter your age, but you can lessen the burden.
Risk is what insurance seeks to temper. Everything we do in our lives carries a certain amount of risk, whether theoretical or actual.
Risk aversion is entwined with the ‘precautionary principle’ - if the consequences of an action are unknown, but are judged to be potentially harmful, then it is better to avoid that action.
But if no-one of us ever took a chance, would we as humans have achieved anything? Would you have allowed someone to put fluoride in your drinking water? Is it a good idea to sit inside a rocket aimed upwards to an unknown moon? Is it sensible to sit inside your car, a metal box containing electrics and a vat of highly flammable petrol that will be burnt when you stick a key into the ignition?
Well, that’s that then. Our mini-summer, preceded by Biblical storms now looks to have been ended by yet more rain. At least the football’s back.
All this wetness is enough to make you hop in the car, jump on a ferry take a trip across the Channel, where the weather has been significantly more amenable. Kara Gammell at the Telegraph is luckily at hand to give us the lowdown on insuring your car in France.
Life Insurance - Death is as certain as yet another interest rate hike, yet when you do take your final leave from this polluted and war-torn planet, surely you’d want to leave your loved ones fond memories and a bit of cash, rather than hefty debts and years of future misery?
Yet, one in three of us is in danger of doing just that by not taking out life insurance. However, the Telegraph, thankfully is here to point us in the right direction.
Cost of children - Awww, don’t little babies look so cute with their button noses and their little teeny-weeny fingers? But turn them over and you’ll find a £180,000 price tag. The Indy’s Esther Shaw provides prospective parents with a cold shower’s-worth of financial facts on the cost of child-rearing.
You have to hand it to the nation’s water companies. While torrents of water burst out of their broken pipes they tell us to stop watering our lawns and when customers are left without mains water for over a week, they refuse to payout any compensation.
That’s the dreadful outlook facing Severn Trent customers who were caught up in the recent flood mayhem.
Talking about the weather is usually a last resort after a conversation has started to die, however, this summer, the subject is a justifiable hot topic, after torrential rain ruined our holiday season.
And now it has been revealed that hundreds of thousands of homeowners affected by the dismal weather will be hit by higher household insurance premiums.
This weekend’s flooding is estimated to take the cost of claims past the £2.5billion this month. Forget your hosepipe bans and waste as much water as you like.
Most couples pray that their big day will be blessed with blue skies and sunshine. However, while a bit of rain usually won't dampen the spirits of a wedding party, this summer's floods have put paid to the marriage plans of one rather disappointed young couple.