Advice For Home Decorating Excellence

Utter the two words home decorating in a crowd or women and the place will go mad. These two words seem to breathe fire in women’s bellies. Most women love the idea of home decorating. When discussed in a crowd, there will likely be all sorts of ideas and tips passed around. For some strange reason the female population enjoy making changes, especially to their homes. The idea of getting rid of the old and bringing in the new gets women all excited.

Many people like change, women and men, boys and girls. Home decorating is a great way to make immediate changes in a person’s space. Even slight changes in home décor can make a space seem new and refreshed. Home decorating is an excellent way of taking a tired looking space and transforming it into a bright, happy atmosphere. It is a terrific way to bring people up when they are feeling down.

Home decorating can involve all kinds of different colors, fabrics, furniture, flooring and accessories. Some people spend thousands of dollars decorating their homes while other people use only imagination to make magnificent changes. Home decorating depends on the individual’s taste, their intentions and of course their finances. When people have plenty of money to use for home decorating, often they will hire a professional home decorator.

Hiring a professional home decorator is a great opportunity to have a home transformed into a trendy environment. Home decorators are in touch with the latest trends and styles in home decorating. With their talent and experience they are able to take a plain, boring room and transform it into a happening, exciting space to hang out in. With regards to home decorating, if a person desires something totally unimaginable, they might want to hire a professional home decorator.

Home decorating is very important to some people. In fact there are those who make changes in their home each and every season. Most people like to do a little home decorating at Christmas time but there are those who like to jazz up their home in the spring, summer, fall and winter. Using home decorating tips and ideas, people transform their homes to fit the each season.

When a homeowner is trying to sell their home, a bit of home decorating may increase their chances of success. People viewing a home are often attracted to the cosmetics of the space. Home decorating provides a homeowner the opportunity to give their home a face-lift before putting it on the real estate market. With a few slight changes to the furniture placing in a room, perhaps a calming color on the walls and a bouquet of flowers in a lovely vase on a table, a potential buyer might be won over. When a home is nicely decorated, there is evidence that the homeowner takes pride in their home and cares for it. This would certainly make a good impression on a potential buyer. Just a few little home decorating tricks may be responsible for selling the house.

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Buy Home Decor After You Envision Your Home’s Character

For the first nineteen years of my life I lived in the same town in my parents home. Whatever home decor there was interested me little, it was just there. Then I went to Italy for a year and lived with an Italian Duke and his family. They lived in a villa in Rome. There I noticed the home decor. The rooms were huge. The Duchess had a penchant for elaborate baroque wall mirrors. They were everywhere, with the rest of the home decor to match. Most days the gardener cut arms full of fresh flowers. I often helped to carry them because I liked to follow him around so that I could look at the classical art statue sculptures and fountains. They, and marble benches, strategically placed between the trees and flowers, were the garden decor. Since I liked to do it, it soon became my job to arrange the flowers in decorative vases. I had a free hand in placing them on tables, cabinets and plant stands. It wasn’t exactly decorating, but it gave me a satisfying feeling to contribute something to those marvelous rooms.

After one year I moved to Paris, France. Not much scope for home decorating there. I lived in a tiny furnished room, where the home decor consisted of a narrow bed, a pine wood chair, a wardrobe and a wood cabinet with a washbowl. A bare light bulb hung from the ceiling. All I added was a decorative mirror, a reading lamp and a crystal vase, which I kept filled with fresh flowers from the market.

After that it was exciting to move into a house near Los Angeles, California, which I shared with my sister. Without much planning, we decided what we needed and went out to buy whatever appealed to us. As nice as the furniture had looked in the showroom, somehow, in that house it did not seem right. For one thing, it was much too massive and the colors clashed with the paint colors and window coverings. We did not have much time to stew over it since we both carried a full load of courses at the college and worked four hours after class and eight on Saturdays.
The day after I graduated, I got married and my wonderful husband and I moved into an apartment near his work. At first I had fun buying new furniture and making the place look nice, but soon I realized that apartment living was not for me. I missed wandering between the flowers and sitting on the garden bench under the open sky with that first cup of coffee,
As soon as our lease was up, we moved into a house on a steep hillside. We used the furniture we had, even though it looked out of place. Going around to flea markets and buying items without thinking whether they would fit in with what we had, did not help. At the same time my husband inherited his uncle’s collectible knives, swords and sabers. They presented a real challenge for me. What was I to do with home decor like that?

Mother Nature soon took care of my dilemma. The house and most of what we owned was burned in the Bel Air fire. Of course I was very sad about the loss, yet I was excited.
Here was my chance to start all over again and this time I intended to make the home decor match the house.

We rented a bungalow with a slanting roof, dark, exposed beams and lots of windows. We moved in with just a few borrowed necessities and stacks of home decor magazines and books. As I saw pictures of things that appealed to me, I would sit in different corners of the empty room I wanted to furnish and envisioned imaginary items in place. It was a great method to decide on my selection. Lime green and lemon yellow were very much in fashion then and probably would have looked ghastly in any of the other dwellings we had had. But in that house, with the dark beams, dark oak flooring and big windows framed by citrus trees, I could envision that it would look nice. And it did. It was a delightful home.

A year later my husband decided to go back to college for his Masters Degree. We loaded what we could into our Volkswagen Bus, sold the rest of our belongings and headed for Austin, Texas, accompanied by two babies and a cat. Money was tight and home decor took a back seat to all else. Like so many student accommodations, ours had a lot of make-do furnishings. The bricks and boards book shelves, the milk crate and plywood tables and second hand sofas and beds. Our newborn slept in what used to be a packing box for toilet paper, nicely lined with colorful fabric. It didn’t seem to matter. I devoted my time to my children. My husband devoted his time to his studies .

In less than twelve month he got his degree and was recommended by his professor to a company in Pasadena, California.

We found a lovely cottage style home. Once again I was absolutely thrilled to be able to start decorating from scratch, since we had brought nothing with us. I went through the routine of sitting in different corners of the empty rooms and envisioned what, of the things I had seen in magazines and home decor stores, would look good in that house. I settled on country cottage style home decor and in the end, of all the homes we had lived in, this one, still today, was the one we felt most comfortable and at home in.

Our bliss lasted for almost two years until my husband was transferred to Atlanta, Georgia. Fortunately the company let us fly there ahead of time to check the place out and I could see right away that in the colonial style homes we looked at, country cottage home decor would never do. My husband came to an agreement with his company, that instead of paying for the movers to transport our furniture, they would give him a lump sum.

With great pleasure I acquainted myself with colonial style home decor, sat in the empty rooms envisioning what to put where and in the end came up with a truly elegant period masterpiece. What a delight it was to entertain in that house.

I should have known that it would not last but must admit that I said yes faster than my husband when his boss offered him a job in Nepal.

We had no idea what to expect in that country. Things seemed primitive compared to what we were used to but we loved it. We found a rather grand looking house where the water pipes and electrical lines were all outside the walls. The fuse boxes were right by the entrance so that everybody could see that this house was modern enough to have such luxuries. The floors were naked cement and there was no heating. Sitting in corners of the empty rooms to envision them furnished did not do it here either, since there were no stores where one could just go and buy furniture. Simple beds, with hemp cords strung between the sides and badly made whicker chairs were all one could buy ready made.

Other expatriates advised us to get pictures of home decor we would like to have and take them to a carpenter who may or may not come up with something similar. We did and also found a place in the bazaar where we could order coir carpeting. It did not look like much but felt invigoratingly rough under bare feet. Dishes, cutlery and whatever else one needs in a home also were of ghastly quality, but it did not matter, nobody else had anything better, except for embassy staff, who got everything shipped in. Slowly the pieces of furniture we had ordered were delivered and little by little the place started to look like a home. Finally we could reciprocate for all the many invitations we had accepted from ex pats and local people alike. We might not have had the home decor we would have liked but since the electricity often failed anyhow, by candlelight it did look delightful. Besides, we had one of the best cooks in Katmandu and visitors told us that they would have come to eat his food, had the house been empty.

We were supposed to go back to the United States after my husband’s contract was up but even before that, his boss wanted him to transfer to Madras, India. By good fortune we found
an almost new bungalow which had been build on stilts so as to not disturb the roots of a huge holy tree in front of it. The house was built in a square around a courtyard with a mango tree in the middle and all rooms had big glass double doors opening out to it. When I saw the place, I could immediately envision a garden theme and was glad to find fabrics with a lattice and bamboo design for the curtains and matching green upholstery for the sofas and chairs we had made. Even though it took many trips to the bazaar, and frequent reminders to the carpenters, eventually all the home decor complimented the garden feeling I had wanted to achieve. It was like living outdoors.

After that we moved fourteen more times, always to different countries, all over the world, without ever bringing any furnishings with us. Each time I went through the same process of sitting in the empty rooms, envisioning the results I wanted to achieve, then finding the right home decor. The results were always perfect for that particular house.

Few people move as much as we did. For them it is even more important, right at the beginning, to decorate their home to suit it’s character. Having chosen what looks right then will still look right years later.

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Exhilarating Ideas for Home Decor – Because Each Home Has A Story To Tell!

“I’m a designer who loves to decorate the home with utmost simplicity yet to display the grandeur; I take charge of the things in my life as well as in the home, showcasing my timeless love for perfection,” say most women. Decorating your home the way you like only increases your affinity towards the things that you’ve chosen, thus creating a more personal touch to the interior.

“Home Decor is nothing but a method of alchemy, to mutate the generic, the quotidian, or just plain unworkable into- Something more beautiful, something rarer and something that’s more usable!”

To establish a beautiful interior it is important to choose the right home pieces, things that will not only accentuate the existing but will also add an entirely new look to the home. Remember, each home has a story to tell and your home decor pieces do that for you.

Here are the home decor pieces that add a charismatic look to the interior-

1. Lamps & Lanterns – Add fervor to your home and life by introducing an exciting range of lamps and lanterns, a symbol light, optimism and of course ethereal beauty. Here’s what you can buy -

Candle Stands – Prepare your home for a beautiful night with a marvelous collection of candles and candle stands, a unique home decor item, chosen by a few who love to embellish their home with masterpieces.

Lamps – To complement the urban and rural touch, a lamp is all you need to add to your list of decor pieces for your home. Buy traditional lamps and bring them in symphony with the contemporary look of the home.

2. Wall Decor – To create decorative and pleasing walls it is important that you choose the right wall decor pieces, each casting its unique look and importance in the room. Here’s what you can buy -

Photo Frames – Your life is full of heartwarming memories, and each picture that speaks of those memories deserves to be displayed in an absolute photo frame.

Wall Hangings – As beautiful as the name, the wall hangings are not only used to hang you keys and clothes, but also to add a somewhat appealing look to the mundane walls of the home.

3. Decor Seating – Giving your guests a generic yet pleasing place to settle down definitely wins a lot of compliments for you, and the adequate decor seating is exactly what it takes. Here are the options for you -

Stools – Traditional as they sound, stools are a perfect decor item for homes that want to stick to the generic touch or even for homes that like to blend the old and the new.

Ottomans & Pouffes – Adding colorful ottomans & pouffes in your home will certainly add a majestic touch to your interior because these colorful units add brightness and sparkle to the empty home.

4. Antiques – Antiques are always pleasing, taking you down the memory lane and helping you memorize all those beautiful days that you’ve lived. Here’s something that might please you a bit -

Magazine Racks – Buy antique magazine racks for your age old collection of magazines, and every time you pull out a magazine from the rack, you’ll think of the many ways this rack has simplified your life.

Figurines – Add a classy ambiance to the room with a few figurines, each exaggerating the look of your house, decked for almost any occasion.

5. Antique Furniture – As I said earlier, antiques make you remember the old, and if it’s all about fond remembrances, then what can be better than adding antique furniture pieces to your home decor list.

Antique Table & Antique Chairs – For the undocked look in the house, it is best that you add a few antique chairs and a table to your list of home decor pieces. These antiques create a striking look at the house with a lot of ease, thus creating a sophisticated yet ethereal look in the room. It is recommended that you choose the right antique chairs and an antique table for your living room for the fabulous look.

Adding one of more of these decor units mentioned above will indeed add a charming look to your home, thus developing a more positive outlook in your life, simply because each unit has a story to tell. So bring out the designer within you and buy these units to make the house look like

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Tips For Great Home Decor

Decorating your home is one of the most daunting tasks. Most of the home decor items are very popular among the people. By changing couple of things of your abode one can bring a great transformation in one’s personal space. Even a minute change in your home decoration will make you feel new and refreshing. Decorating your home is one of the best ways of transforming the bored and tired looking space into rejuvenating, fresh and happy atmosphere.

Home Decoration involves several things such as colors, furniture, fabric and several other accessories. For some people home decor may involve several thousand dollars while it just takes some imagination by some people to make magnificent changes.

Hiring a professional home decor person is always a great idea but it involves a lot of money. A professional decorator will surely bring a trendy and sporty environment to your home and they are well aware of the latest trends. They have a very professional point of view as compare to an amateur decorator as they have both experience and talent. They are able to transform your boring, non-happening place into exciting place to hang in.

One can also go for home improvement software which will surely make your place a better place to live. The software so used can improve the color, designs and many more things. Most of the professional decorators make use of home decor software as they give exact idea about the view of your home after improvement. This software also extends the vision of decorator as one can see the ideas on the screen of the computer.

Home decor is selected according to the size of your home and you may require buying or keeping the things away according to the size of your home. If the size of your home is very small then you should go for a very simple and elegant home decor. You should not go for adding extra decorative pieces and furniture.

If you own a very large or big-sized home then one can arrange the things quite efficiently and still save some space. Big size homes are like blessings for home decorators. Home decorator also includes proper and correct placement of practical and useful items such as furniture, several artifacts and electronic items of your home.

Decorative ladders have become a hot favorite for home decorators these days. This may be due to the reason that they give a great and rustic look to your home and these can also be used for several other ways. Decorative molding is another way of enhancing the decor and it can also be used to highlight certain features of your home. These are meant to add style and a great look to the walls, floors and ceiling.

This is the best way of enhancing and enriching the home. One thing to remember about molding is that if you are using this on one item in your room then it will be a great idea to use the same type of molding on the other items of the room.

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Not Good at Home Decorating and Design? Tips to Achieve Beautiful, Creative Decor and Home Accents

What you display and how you decorate your home, with home decor, is a reflection of your taste and style.

For many people home decorating and home decor accents are meaningless and they may not have any desire to have anything other than the basics in their home.

Many people desire to have a beautifully decorated home with nicely displayed home decor accents but don’t feel they have the talent to put it all together or just don’t know where to begin.

If this is where you are, this article is for you.

If this applies to you and you find that you want a decorative home and a home that is eye pleasing to you, there are a few ways to achieve a welcoming, decorative, and desirable place that will be your retreat and refuge.

Each of us is giving talents and gifts in our life and some of us don’t excel in the decorating department.

And, if home decorating and putting home accents together properly is not your talent or gift don’t be discouraged you just need to tap into what you have or tap into someone who has that gift.

Below are a few tips of ways you can find your creative side or find someone who can help you accomplish your desire in having a home that is tastefully decorated in home decor and home accents.

If money is available to hire a decorator this is certainly an easy and good way to acquire a great result.
Take caution that you find someone with a good reputation that is a listener to your wants and needs and who will give you a complete list of what they can and will do for you.
Get the cost in writing
Listen to your instinct when interviewing decorators.
Find a decorator with whom you can work with and trust.
If you feel confident enough to do your research and want to pull out your creative side, roll up your sleeves and do it yourself by:

· Taking a decorator class. It may sound odd, but you will actually learn and develop good principles in design. There are many basics that need to be understood in design.

· Shop in furniture stores for ideals and styles you like.

· Realize what your taste is. It could be modern/contemporary or rustic/Tuscan or country or another style.

· There are great products on the market in the field of furniture and decorative home accent pieces, such as, metal wall art. Take the time to explore products that are of good quality, that reflect quality and craftsmanship, and will add value as it is displayed in your home or outdoor living space.

· Take time to discover what it is you really like and want.

Tap into a friend who is really good with color, display and decorating. You probably know just the person who has the talent and you like his or her taste. This is a great opportunity for you to enjoy learning from and trusting that friend’s creativity. Your friend will probably love to get involved in your project.

· Understand and don’t expect your friend to take as much time as a paid decorator will.

· Don’t ask above what your friend has time for or is able to accomplish.

· It is important to not take advantage of a friend.

· This may be an opportunity where you can exchange talents. Maybe your friend could use some of your talent for where he or she lacks in tasks. This is chance to give of yourself to your friend. Always, give more or yourself than what you expect in return in your friendship.

If any of these tips will work for you and you are willing to pursue your desires you will certainly be pleased and satisfied to have your home decorated in a way that will bring you pleasure and enjoyment for a long time to come.

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Save Big Bucks On Home Decorating

More people decorate their homes during the fall and winter months than at any other time of the year, and with good reason! We spend more time indoors, we owe it to ourselves and our families to create a comfortable place to be! Here are the best ways to save BIG bucks on your home decorating

Start with plan. I know you’ve heard this before, but having a plan doesn’t necessarily mean you know exactly everything you want to do in your rooms ahead of time. What it does mean is having a starting point to keep you in the ballpark, and that will save you A LOT of money in mistakes in the long run. So start with the three things you need…Color, Style, and Formality. Color is easy…if you don’t already have a color scheme you love, find one in a book or magazine, and borrow it! Still unsure? Pick your favorite color, plus white, never fail combo. Style? Maybe you know you love Country Farmhouse. Or maybe you like a little of everything! That’s ok, just make sure you give the room style a name that includes the feeling you want in the room, and that will keep you on track. For instance, I have a Fresh and Sunny Cottage Room for my family room. (I use sunny as a feeling as well as a visual clue!) Keep the feeling in the name, and you will pick the right style every time! Finally, formality. Know if you like a more formal room, where things on both sides of the room match, or a more informal feel. So my family room description would go something like this…I want an informal Fresh Sunny Cottage style full of soft blue, green yellow and white. So every time I buy something, I know if it doesn’t fit in that description, it doesn’t fit period!

Look for alternatives to everything!!! Flat sheets on sale are a great buy…I can get one at my discount store for $2.89. A flat sheet is generally 66×96 inches…that’s over 3 yards of fabric for less than 97 cents a yard! Can’t beat that, and flat sheets come in so many colors. When in doubt, buy white! Use them for tablecovers, curtain panels, making comforter covers, throw pillow covers, or even casual slipcovers! If you find a great color, stock up during a white sale…you will always find uses for fabric that fits into your color scheme.

Look for furniture at yard sales and in the classifeds. You can get quality furniture this way for a fraction of what it would cost you new. Learn to make do with the furniture you have with the art of disguise. Slipcovers, paint and floor length tablecloths go a long way towards dressing up an otherwise forgettable piece of furniture. By the way, you can paint ANYTHING these days! The trick is to use a specialty blocking primer before painting…I recommend KILZ Original. Yes, you can even paint that ugly laminate bookcase or computer desk! All your furniture mismatched in style and form? Paint it all one color, and it will help marry and unify your furniture grouping. (I love white or black for furniture, depending on the style of your room.)

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10 Home Decorating Ideas To Quickly Update Any Room

Not all home decorating ideas require a heavy investment of time and money. If you’re looking for a few affordable home interior decorating ideas to freshen up a room over a weekend, try these ten:

1. Rearrange The Furniture- Pull your furniture away from the walls. Try positioning it at intriguing angles. For example, a sofa arranged diagonally across a narrow living room will make the room look wider.

2. Paint A Wall- Paint one wall your favorite color and make it the focal point. Hang interesting art on that wall and move a nice piece of furniture there. (Note: Make sure that the color is one that is shared with several other objects and fabrics in the room.)

3. Bring In Plants- Greenery always adds a breath of fresh air to a room. If you don’t have a green thumb, try silk plants and trees. The quality has gotten so good that its hard to distinguish them from the real thing.

4. Lay An Area Rug- An area rug is a wonderful way of defining a conversation area. Try one that complements the room. Lay it at an angle beneath your coffee table.

5. Hang Pictures or Mirror- Hang pictures that reflect your personality. Try frames that are more ornate. When hanging a mirror, try and position it so that it reflects and nice view or an interesting architectural element.

6. Group Figurines- Pull out your favorite collectibles. Show off your personality. Find a display area and group related objects together, in sets of three or five. Try and vary the shapes.

7. Add Decorative Pillows- The good news about decorative pillows is that they are an easy way to add textures and patterns to a room. Still better, they can be changed to jazz up a sofa or chair before your room is ready for a major makeover.

8. Replace Lamps- Lamps are probably the one thing in your home that will give others a clue that your room is outdated. Seek out new and fresh lamps that make a statement.

9. Add A Throw Or Afghan- Similar to decorative pillows, throws and afghans add texture to your furniture. They come in all kinds of natural and man made fabrics. Find a pattern and style that you like.

10. Eliminate Clutter- Clutter has a way of eliminating the desired mood and effect of any room. Find storage spaces for papers, toys, and other items that take from the personality of a room.

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Why It Is Important To Buy A Home Cover

Nature’s fury or riotous incidences don’t come knocking at your doorstep. Within couple of minutes it can turn down your dream like a pack of cards. It will not only affect your emotions but also impact your finances. At times, a mere earthquake or tsunami leaves millions of people across the world penniless and with no homes. Therefore, the best way to protect your home and its valuable belongings from getting damaged is to own a suitable Home insurance policy.

A home insurance is a form of property insurance designed to cover an individual’s home from damages to the house itself, or to possession in the home. It will also cover your liability or legal responsibility for any injuries and property damage, you or members of your family cause to other people.

Despite of knowing the benefits and best of the coverage to secure their house from any uncertainty and unexpected problems still majority of home owners try to avoid buying home insurance in India because of its expensive costs. Especially in economic slowdowns people start to contemplate whether or not carrying an insurance policy on their home is really necessary. They begin to think that the money being spent on the policy could be better spent elsewhere. This can be a dangerous way to think.

Home insurance, which covers the house and its contents from fire, theft, burglary and other security concerns, is still a segment that has not seen enough takers

Home insurers also provide cover for household appliances including television, washing machine, refrigerator and jewelry or valuables that are kept in the house. In some cases, even pets in the house, at the time of an accident or robbery and are injured in the incident gets a cover. Terrorism and catastrophic incidents are also covered under some products.
Home insurance is something that everybody that owns a home must deal with. If you are considering switching insurance companies, the process can be a little confusing. While looking for insurance cover the first thing that you need to do is find the company that you are going to switch over to. You will want to shop around and make sure that you are getting the best rate available.

You can do this in a number of different ways. Check out some independent review sites and see who is rated as the best company for insurance. Get a few rate quotes online and then visit an agent. They will be able to tell you what everything costs and give you an idea if you are better off than you were. Choose the best company that fits your needs and is within your budget. Once you decide on a company, you will have to do the necessary paperwork to get a Home insurance. You can usually do this in a few minutes while you’re sitting in the office of the agent that you chose to work with. They will have a few forms to fill out and you will be ready to go. They will ask you some basic questions about the property including the value of the property and if you have any special items to be insured. You will have to decide on the coverage limits and the features that you want.

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Different Premium Payment Modes Available In Life Insurance

Affordable premiums are definitely one of the most important features of an insurance plan, however it should also have a balanced share of benefits to offer as well. Here in this article we discuss the basic types of premiums and some of the common modes of payments available with the life insurance plans in market.

Types of life insurance premiums:

There are basically two types of premium payments namely single premium and regular premiums. At the time of opting for the plan, every policyholder would be explained in brief by the insurance agent or company about these two terms in particular. These two types of premiums are determined by the quantum of payment and the frequency decided by the person insured. Single premiums require a lump sum payment to be made by the insured at the time of entry while in regular premiums, he/she will be required to makes payments on a monthly, quarterly, half-yearly, or yearly basis. Both single premium and regular premium plans have their own benefits, yet the former proves to be more efficient when considering the total cost involved. The below example illustrates the basic difference between the two types of premiums.

A 32 year old woman pays a yearly premium of Rs.13,000 for 10 years on her life insurance policy, that offers survival benefits of Rs.2,00,000 on maturity. Going by this mode of payment, she will pay a total amount of Rs.1,30,000 by the end of the term period. However, the same plan comes with an option for single premium whereby a person is required to pay a lump sum amount of Rs.90,000 at the time of enrollment. In the second instance, the person insured can save up to Rs.40,000 on premiums. Taking into account the time value of money and rate of inflation, lump sum payments can often supersede the benefits of regular premiums. But again, making payments in one go may not be feasible for many customers and it is finally on their part to choose the type of payment after evaluating budgetary requirements. Therefore, make sure that you opt for the single premium mode only if you can afford the same without straining your finances.

Premium paying frequency:

Under regular premium mode, policyholders are required to pay premiums throughout the term period, while for some policies, the premium term is less than the policy term. For example, if your purchase a policy that offers life insurance coverage for 10 years, you can either choose to pay the premium for the entire length of the plan or choose a reduced payment term of 7 or 8 years. As a general rule of thumb, the number of installments is directly proportional to the sum insured, ie.,higher the sum insured more the number of installments. Once you have chosen the regular payment option, you then need to decide the frequency of premium payments which is either monthly, quarterly, semi-annually, or annually. Your premium payment term is also linked to the surrender value of the policy. Generally, a life insurance plan acquires surrender value after completion of 2 premium years. So in case you surrender your policy after the first year, you will not be eligible for the same.

Different method of paying your insurance premiums:

Gone are the days when one had to wait in long queues at the branch counters to deposit life insurance premiums. Going in line with the digital advancements of today, even insurance companies have launched apps and web platforms to offer a comprehensive range of services online. Given below are some of the most common methods of insurance premium payments:

Insurance agents – An insurance agent visiting your home to collect premiums was a common scene in early days, when private companies had only started to secure a foothold in the Indian insurance industry. Even with the changed times and latest digital enhancements, you can always get in touch with a collection agent of your insurer to come and collect your payments.

Mobile wallets – Post demonetization, the importance of mobile payments have increased so rapidly that a number of e-wallet companies have entered the market within a short span. The e-wallets offer a lot of facilities ranging from booking a ticket to paying off your monthly bills. Some of the mobile wallets have linked up with the insurance companies to facilitate fast and convenient premium payments for policyholders.

Online payments – As already mentioned, you can simply login to the insurer’s website and pay your premiums through internet banking, credit cards, or debit cards

Standing instruction on credit card – You can give a standing instruction to your insurance company to deduct the premium amount on your behalf. You just have to submit an application for the same along with the details of your credit card.

Electronic Clearing System – It’s an automated system of payment where the premium amount gets deducted from the bank account of the customer on due date. You can register for this service by filling out the ECS mandate form and submitting it along with other relevant details to the concerned branch of your insurance company.

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Determine The Type Of Vegetarian You Are

When it comes to vegetarianism, the fact that one size doesn’t fit all cannot be denied. Several food and health experts are of the opinion that today more and more individuals are adopting some kind of vegetarian diet, however, what they opt to eat and not eat relies on what type of vegetarian they want to be. Many believe that the number of people eating vegetarian diet is growing, as there are large numbers of options available in restaurant menus and in pre-packaged foods at the grocery store.

Being Vegetarian What does it actually mean?

Generally Speaking, the diet of a vegetarian comprises of vegetables, fruits, peas and dried beans, grains, nuts and seeds and no meat and fish. However, even within the vegetarian category, there are several subgroups, which include the following:

Lacto vegetarians consuming plant foods plus dairy products
Lacto-ovo vegetarians consuming both dairy products and eggs
Vegans avoiding all animal products no eggs, no dairy and consume only grains, vegetables and fruits

Semi-Vegetarians

The next category is those who call themselves semi vegetarians. Several of the top 10 dietitians and experts in the country believe that semi-vegetarian doesn’t have one standard definition. A semi vegetarian could be an individual who typically eats vegetarian diet, however, occasionally eats meat, for example, or it could be someone who doesn’t eat red meat but eats other type of meat.

Diet Including Raw Foods

There are some individuals who also eat and enjoy a raw food diet. In a raw food diet, an individual is enticed to eat uncooked stuff that’s truly raw products, uncooked, non-homogenized, etc. Again, there isn’t a single definition as it bundles a bunch of things. For instance, some individuals would eat all of raw foods or others consider eating raw foods even if they actually eat a two third portion of it. A raw food diet could include vegetable only or might even include meat, fish and eggs as well.

Why do People Opt for a Vegetarian Diet?

There are different reasons people prefer a vegetarian diet, but most prefer the diet for health reasons. A recent study has revealed that vegetarians have a lower body mass index (BMI) and lower cholesterol and are less likely to be affected from heart disease. They could also be at lower risk for other drastic diseases and can have effective weight loss as well. Others turn towards a vegetarian diet for religious beliefs, due to environmental or animal welfare concerns, just for economic reasons or because they just don’t like the taste as well as texture of meat.

Does a Vegetarian Diet really offer Health Benefits?

Individuals who consume only a vegetarian diet might not be providing their body vital nutrients it really requires to function optimally. The specific concern remains for vitamin B-12, which comes naturally only from animal sources, vitamin D, iron, zinc and calcium. So, if you are considering switching to a complete vegetarian diet, it’s recommended to talk to an expert nutritionist/dietician to ensure you get the nutrients you require to stay healthy.

Being a vegetarian is not bad at all provided you know what type of a vegetarian you want to be and you are having all nutrients in a proportionate manner.

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