Buying a property of one’s own may be possible only after the culmination of years of saving money. However, merely owning a house is not adequate as it is essential to protect your property against any potential loss or damage in the unlikely event of a break in, accident, fire or any other natural disasters. Typically the property insurance premium may be calculated by diving the net value of your property by 1000 and multiplying the result by 3.50. The larger the house and the higher its market value, the amount payable as premium increases. Here are some ways to reduce the cost of your property insurance premiums to the extent possible. First of all, if your property includes a large amount of land along with the building, you could opt for an insurance premium that is calculated not on the basis of land value but based on the rebuilding coasts. As far as possible, try to make your home disaster proof. The more you secure your house using technological aids such as smoke detectors, sprinklers and burglar alarms, the less implications such threats would have. When installing such features, do consult your insurance advisor. Ensure that your home’s electrical and plumbing systems are upgraded and functioning well. Since all financial transactions made by an individual are monitored, if you consistently maintain a good credit record, that would, in turn, influence the insurance company to offer you a favorable premium, as the evidence might indicate that you are less likely to default on a bonus payment. If you live in an area that is known to be vulnerable to earthquake activity or sudden cyclonic storms, you might want to compare the policy types and premiums offered by both governmental and private insurance agencies to see if any can offer you a lower premium. These are some ways in which you could negotiate with your insurance provider to arrive at a lower annual premium for your property insurance policy.

The federal money direct loan program is nicknamed student loan forgiveness program. Originally named William D Ford loan program, it is commonly referred to as Obama student loan forgiveness program. All these programs and its benefits are only for the federal loan borrowers and not for private loan borrowers. Having a person co sign your student loan can get you lower interest rates. There are options for student loans without consigner. Federal student loans do not require a consigner. The student can take it without a parent's help or without a credit history. Private student loans usually require a consigner, especially if the applicant is below 21 years of age. To procure a student loan without consigner apply for federal loan. Federal student loans do not require a co-signer, thus allowing a student borrower to avail a loan with having a credit history or a parent's help. Fill out the FAFSA (free application for federal student aid) to find out if you are eligible for federal grants or scholarships. This application also lets you know if you are eligible for federal loan. Other than not requiring a cosigner, this loan also has lower interest rates and forgiveness programs. Private loans do not offer forgiveness. To qualify for forgiveness, your loan should not have gone unpaid for more than nine months. Federal loan balance can be forgiven or reduced. Public service loan forgiveness - If you work full time in public service (firefighters, teachers, nurse etc.), your student loan balance will be forgone or reduced. Only federal loans are eligible for this program. Teacher loan forgiveness - Direct loans and Stafford loans are applicable for this program. Teachers who work full time for five consecutive years, can have up to 17,500$ in direct and Stafford loans forgiven (applicable only to teachers working in low income public elementary or secondary schools). This program eliminates your loan in half the time i.e. 5 years instead of 10 (compared to public service loan forgiveness). Perkins loan cancellation - Borrowers of federal Perkins loan, who have worked in public service jobs, usually for more than five years, can have up up 100% of their loans cancelled. In many cases, your loans will be forgiven incrementally for each year you serve. However you must show proof of working in a qualifying public service job (i.e. teachers, firefighter, nurse, librarian etc.). Income driven repayment - This program allows you to pay a percentage of your monthly income towards your loan, automatically forgiving your remaining loan balance after 20-25 years. The popular 5 student loan agencies are the Federal Government, SallieMae, PNC Student loans, Wells Fargo and College Avenue.

For the die-hard followers of European culture, Ballard Designs furniture is an ultimate treat. Ballard Designs gets its name from its founder Helen Ballard who founded this unique company in 1983. With operations expanding across Florida, Pennsylvania, Virginia, Atlanta, Massachusetts and other regions in the United States of America, the company sells its products both online as well as offline through walk-in stores and catalogs. Ballard Designs furniture collections, which have been created by some of the most influential and prominent designers of the country, have gained worldwide traction. 'How to Decorate' is an online blog from the company that offers various tips as well as pieces of advice on interior designing and styling. The popularity of the brand can be gauged from the fact that the company circulates an amount of 65 million catalogs approximately in a year. Reasons why you should choose Ballard furniture for your house: Ballard Designs believes that through the furniture placed at home, one can express his or her taste as well as a style statement. If you possess an idea in your mind, discuss it with the team who will then guide transform it into reality using the company's exclusive furniture items. Ballard Designs furniture is characterized by the transformation of timeless classic styles into contemporary ones. Moreover, Ballard Designs furniture items can be easily customized right from scratch to satisfy your inner desires. The team behind Ballard Designs pays specific attention to even the minutest of details right from frames to upholstery so that the customers get furniture pieces crafted to perfection. If you still don't like a particular product or feel that it is not going with the ambiance of the house, you can return it through a very simple process. Moreover, Ballard Designs furniture collection called Stylish Steals gives its customers an opportunity to try out some of the bestselling products for thirty days following which they can send the purchased product back to the outlet if they are not satisfied with it. With Ballard Designs furniture, you can bring the elegance and grace of Europe at home. Ballard Designs furniture pieces are synonymous with exclusivity, and you will not find similar designs easily in the market. All you need to do is get in touch with the team, take advice and be a part of the European culture by purchasing a furniture product. If you wish to renovate your house and are looking for styling tips and ideas, the experts at Ballard Designs provide you solutions for all sorts of tax problems. Once you enter a Ballard Designs furniture store, you will instantly fall in love with the aura which will help you in getting inspiration for your new project. The myriad number of opportunities available will leave you in compete awe of the gorgeous brand.

Your smartphone is something you can never live without. If you are the owner of one of the latest mobile phones, say an LG phone, then you have an added responsibility of taking utmost care of it. Since your LG phone is so precious, imagine how appalling it would be if there's a nasty crack on the back of your phone! You would have to spend quite a few dollars for repairing it. Here's a thought, why don't you protect your phone from such disasters instead of spending money on it? All your need would be a LG cell phone cover for your new phone. If you are on the lookout for the best LG cell phone cover for your phone, here's a list of the LG cell phone covers that everyone loves. Lifeproof Fre- As the name suggests, it would guard your LG phone's life. It is a heavy cover and shields your phone from different kind of dinks and scrapes. Also, it can make your phone waterproof and protects it from any kind of spill. So, here's a LG cell phone cover that turns your smartphone into a waterproof and scratch-free device. The Ballistic Jewel Series Case- This LG cell phone cover may look fancy and light, but it does its duty with great sincerity. This LG cell phone cover offers splendid drop protection, unless you hurl it from your window. The corners are covered with the strong case and no part of your phone would touch the surface it is kept on. This means zero scratches. Tech21 Evo Check Case- If you wish to strike a balance between your desire for a minimalistic LG cell phone cover and a cover that would change the face of your phone, then the Tech21 Evo Check Case would be the perfect option for you. It protects the metal body of your phone from receiving scratches and has slight cushioning which comes in handy in case your phone falls. ArmourDillo LG protective case- As the name suggests, this LG cell phone cover would act as an armor for your phone. It gives the phone a rugged look and does an extremely commendable job of protecting your phone. Ghostek Covert- The intriguing name implies what you already know it is not conspicuous. Though it might look quite ordinary, the rounded corners and the tempered glass screen protector would ensure your phone remains unscathed despite its various trysts with the floor. The purpose of any phone cover is to lend protection to the phone and at the same time make it look attractive. These above-mentioned LG cell phone covers perform this feat effortlessly.

Handbags are one of the most important accessories for women which complete their entire outfit. The type of handbag you pick for your outfit can make or break the entire look of your outfit, so it is important to pick the right one. These days, there are tons of different brands selling a wide variety of different handbags such as sling bags, clutches, purses, tote bags and so on. When looking for the right handbag and accessories, it is very easy to get lost in the pool of different brands. To make things easier for you, here is a list of the top 4 handbag brands where you can not only buy cheap handbags from but also buy good quality, long lasting handbags. H&M This fashion brand has a wide range of cheap and affordable handbags, clothes and accessories that you can choose from. They have a wide range of budgets as well which means that there’s something for everyone at an H&M store. The quality of H&M is at par with some of the best designer wear brands out there. H&M caters to the fashion-forward audience who don’t wish to spend a little bit more on trendy and good quality products. There is a wide range of handbags and purses that you can choose from when you shop at this brand’s store. From funky and trendy purses and sling bags to classy and sophisticated sober colored handbags and purses, there’s a handbag for every woman. During the seasonal sales, you can easily buy cheap handbags and accessories from H&M for almost half the price which is quite a steal. Mango Mango is considered a rather expensive brand, however, when compared to the high-end brands in the market, it turns out to be quite cheap and affordable! If you are shopping for these handbags in the States or the middle east, these are very affordable but if you are shopping for these in the Asian countries, the taxes and customs usually hike up the prices a lot causing them to become very expensive. You can buy cheap handbags from Mango that have superior quality and finishing just like designer brands from Prada or Chanel! Apart from handbags, Mango also has some of the best leather wallets and purses which you can buy during their sale as well. This is brand that is very classy and produces clothing for the more mature and stylish audience. Unlike brands like Forever 21 and Aldo, Mango caters only to the classy and chic audience. You can look out for their sale to buy cheap handbags. Charlotte Reid This is a designer bag that is very affordable and perfect for someone who wants the classy and high-end feel but at half the price. You can find and buy these cheap handbags online on any e-commerce sites as well as in stores across the world. Charlotte Reid designs handbags that are classy, sophisticated and you can choose from their wide palette of colors as compared to other brands. These handbags are perfect for office-going women, more mature and older women and those who simply don’t like extremely colorful and funky handbags. Most stores have seasonal discounts so you can easily buy a Charlotte Reid handbag without splurging and making a hole in your pocket. Caprese Caprese is a recently launched brand that has become very famous across the world. With European inspired designs and stitching, the Caprese handbags are fun, chic and classy making them perfect for the modern woman. You can pick from a varied range of price points, designs, colors, and even shapes. The brand has a very chic range of handbags and not extremely funky. These handbags are perfect for women in their mid-twenties and above because these are slightly more designer styled and sophisticated. While the handbags do come in a range of shapes and colors, they don’t go too far from the chic and classy look and feel of the brand. During sales, you can easily buy cheap handbags from this brand both online and in stores

Bipolar disorder, also known as manic depression, is the cause of a poor quality of life in people dealing with this mental ailment. Bipolar disorder often leads to self-harm, suicide and substance abuse, which is why professional help and self-management is essential for a comprehensive bipolar disorder treatment. Help yourself overcome bipolar disorder The primary challenge of bipolar disorder is the excessive mood swings one can experience while battling with this mental illness. One’s mood oscillates between depressed and down to excited and manic. Common sense dictates that too much of anything isn’t a good thing and the same applies to these extreme mood fluctuations. In a clinical environment, bipolar disorder is treated by a combination of mind-altering drugs and psychotherapy. However, bipolar disorder treatment is not exclusive to mental health professionals and needs equal participation from patients as well. Those suffering from bipolar disorder can do so much to aid in their recovery and more often than not, efforts in the right direction accelerates the healing process. Helping yourself overcome bipolar disorder is key to fighting and winning against this mind wrecking mental illness. Self-help pointers for effective bipolar disorder treatment Some of the proactive approaches one can take to combat this state of mind are listed below.

• Follow the advice of a qualified and experienced mental health professional.
• Have a schedule. Less uncertainty in your routine means more stability in the mood.
• Right food, medication, and sleep are important. A healthy diet, prescribed medication, and an undisrupted circadian rhythm have a positive impact on your mental health.
• Exercise regularly as it is one of the effective stress busters and one of the critical components under any bipolar disorder treatment.
• Drug and alcohol abuse is commonly associated with bipolar disorder, and it is best to seek treatment for these external factors that aggravate the problem.
• Often having a close friend, family member or community councillors like a member of the clergy to provide encouragement and emotional support can be of great help.
• Have a well-being plan and monitor your progress.
• Keep yourself occupied and busy as that can be of great help for your bipolar disorder treatment.