There are many types of property insurance available for insuring your property in the event of a break in, fire, or any other damage. These can be availed whether you are a home owner or if you are renting property. Homeowner's and home insurance are policies that you take out to protect yourself and your property in the event of experiencing some loss or damage on account of thefts, break in, fire, rain or storm damage or any other such accident. Given the uncertainty of the times we live in, most investment advisers recommend that whether you own property or rent one, it would be a wise investment to pay a yearly premium towards home insurance. Property insurance can cover a range of things that have been listed below.

• Home owner’s insurance
• Renter’s insurance
• Earthquake insurance
• Flood insurance

If you possess high-value assets that you keep on your property they may also be insured by purchasing an additional rider to the property insurance. While property insurance covers losses incurred due to damage caused by fire, wind, hail, smoke, lightning, and theft, it also provides a liability coverage in case a person who is not the owner or renter of the property is injured when on the property, in the event of a suit being filed. Always ensure that you read the fine print on your insurance policy so that you are well informed of exactly the kinds of losses that are covered and what are not as some kinds of damage may fall under an exclusion clause. Home owner’s insurance comes under property insurance and covers any loss or damage caused to the insured’s house and possessions, the subject of course to the filing, and approval of a proper claim with all necessary supporting documents. Renter’s insurance is another form of property insurance which primarily provides coverage for the insured’s possessions or liability for injury when on another’s property. Property insurance premiums are calculated on the basis of the total insurable value which is a summation of all the costs of the physical structure as well as the expense of all objects housed within it.

Household appliances and systems have become an integral part of the modern lifestyle. But regardless of how carefully one uses them, regular use over an extended period of time can cause wear and tear. This can, in turn, lead to huge repair costs. To avoid this, many people choose to invest in home warranties that cover expenses and replacements in some cases. Here are some benefits of having a home warranty and policies one can consider. What is a home warranty? A home warranty is different from home insurance. The latter covers the house against unforeseen circumstances like fire, theft, or damage due to other natural calamities. On the other hand, a home warranty focuses on home appliances like dishwashers, cooktops, ovens, refrigerators, washers, and systems, including heaters, ductwork, air conditioning, plumbing, and electrical systems. Any unexpected breakdowns in the system or faulty functioning can be covered in these policies. While both provide financial security to the policyholders, warranties help save money on more regular expenses. How do home warranties work? The warranties are usually renewed annually, and the terms may differ from one policy to another. Home warranties mainly provide discounts on repairs. Policyholders can contact their insurance company when they want to repair a system malfunction. First, the company sends a professional to inspect the problem, who confirms whether the issue fits into one's purchased policy. Once approved, a technician or expert is sent to the policyholder's house to carry out the repairs or replacement. At times, the repair expenses may be more than the insured amount. In this case, the individual has to shell out the additional costs from their own pockets. One can opt out of a company's home warranty plan after a year or the end of the premium payment and switch to better options. Benefits of a home warranty Financial support and peace of mind The policy gives discounted repairs and ensures that the policyholders do not have to pay the entire cost. Knowing that the repairs will be taken care of by a professional can also bring peace of mind to homeowners, especially those who do not have the time, expertise, or resources to handle them. Budgeting The chance of a homeowner facing unexpected costs is less if one has a home warranty. Usually, policyholders know the deductibles, service fees, and other costs associated with repairs upfront, making it easier to manage their other finances and budget monthly expenses. Flexibility The companies allow homeowners to customize their policies as per their needs. If one wants to cover only the appliances, one can customize the policy accordingly. One also doesn't need to be the owner of the house to insure their self-owned appliances. Similarly, one can also choose comprehensive packages for added protection. Convenience Homeowners do not need to go through the hassle of finding a trusted professional to fix their products, making this a more convenient, time- and money-saving option. Having said that, there are certain limitations to this. For example, some home warranties may not cover the roof, flooring, wall paint, foundation, and other structural aspects of one's home. Additionally, the warranties may come with a service fee, from $50 up to $125 or more, wherein one has to pay for the inspection visits. Home warranties plans and companies to consider American Home Shield The company offers varied plans with a wide network of certified contractors and technicians. Currently, it covers 23 major home appliances and systems. One can opt for a combination warranty or individual appliances or systems. As additional benefits, the company also gives one an option to insure leaky roofs and garage refrigerators. American Home Shield's plans start at nearly $70. The company doesn't require the homeowners to show previous maintenance records to get one's appliances covered. Unlike many companies, American Home Shield also insures and repairs or replaces poorly maintained appliances or systems. Besides that, the company provides 30 days of workmanship guarantee. Choice Home Warranty The company, with its wide reach almost across the country, provides two warranty options for homebuyers and sellers. The company responds within four hours of raising a repair request. It also has tied up with over 25,000 contractors to meet the rising demands. Because of its widespread network, homeowners may not have the liberty to choose their preferred contractor. Choice Home's average workmanship guarantee is 60 to 90 days for parts. However, its service may cost $85 for a flat fee. Liberty Home Guard Liberty Home Guard provides home warranty plans starting from $58.33 monthly or $699.99 annually. Apart from their three basic policies, including only appliances, systems, and combination plans, Liberty Home Guard also provides a warranty against roof leaks and pest and termite control. Home Warranty of America Another known company, Home Warranty of America, provides cover for one's home products and a money-back guarantee on their repair services of up to 30 days. Their warranty plans have a basic structure and include a combination of appliances and systems. Their premium plan, on the other hand, which costs about $59.92 monthly, insures air conditioner units as well. One can also opt for their add-on services of pools if necessary. However, it's best to confirm the cost of one's premium with the company's local office since they may vary depending on one's state and type of home.

Turmeric is a yellow spice and is believed to have many health benefits. It belongs to the ginger family and is native to Southeast Asia and the Indian subcontinent. The ideal temperature condition for its growth is between 68°F and 86°F as well as considerable rainfall. The roots are boiled in water and dried in ovens and then ground into powder. The mustard-colored spice is used as a flavoring and coloring agent in Asian cuisine. Curcumin is a bright yellow component in turmeric and used as a herbal supplement and food flavoring and coloring. Chemically, curcumin is responsible for turmeric’s yellow color. Benefits of Turmeric Although the side effects of turmeric and curcumin are many, in many parts of Asia, they are used for treating various health conditions. Some of the benefits include are as follows:

• Medicinal Benefits Due to the presence of curcumin, turmeric is believed to have anti-inflammatory and antioxidant properties.
• Anti-inflammatory Component Chronic inflammation is responsible for many diseases in western countries. Curcumin can destroy many molecules that contribute to inflammation.
• Antioxidant Capacity Free radicals in our body have an urge to react with important organic substances such as fatty acids and proteins. Curcumin boosts the activity of antioxidant enzymes that protect the body from free radicals. Owing to their chemical property, curcumin can neutralize free radicals.
• Arthritis Arthritis is a common sickness associated with joint inflammation. Curcumin, due to its anti-inflammatory properties, helps treat symptoms of arthritis.
• Skin Benefits Applying turmeric helps ace marks and blemishes to fade away.

Side Effects of Turmeric and Curcumin Along with the health benefits, there are some side effects of turmeric and curcumin, which occur when they are consumed in large amounts. These can be as follows:

• Kidney Stones Turmeric comprises around 2% oxalate. When consumed at high doses, these can increase the chances of getting kidney stones.
• Adulteration Most of the commercial turmeric powders are adulterated with cheaper ingredients such as cassava starch, wheat, or rye flour. These are not tolerated by individuals with an intolerance to gluten or celiac diseases.
• Lead Content Some turmeric powders contain an excess amount of lead, which may cause many health concerns in the long run.
• Skin Coloration Long-term use of turmeric on the skin may contribute to a permanent yellow color on the skin. Excess turmeric in cuisines can also give a yellow color to the teeth.

Since the adulterated powders are difficult to identify, it is recommended to buy from certified reputed agencies or grind turmeric at home. Similarly, curcumin supplements must also be purchased from certified dealers to avoid any kind of side effects of turmeric and curcumin.

Our body is equipped with mechanisms to combat whichever disease comes its way. However, there's only how much the body can take, and when the immune system becomes weak, the disease begins wreaking havoc on the body. One such infection that causes great discomfort and unease are cold sores. What are cold sores? Cold sores, also known as fever blisters, are a group of small blisters that appear on the surface of the lip and around the mouth. The blisters are painful, and when they burst, the liquid that oozes out of these blisters can infect any other person who comes in contact with it. The skin surrounding the blisters is red, swollen and raw, and can cause a burning sensation if it is repeatedly touched. What causes cold sores? Like every other skin infection, cold sores too are caused by viruses which prey on individuals with a weak immune system. Cold sores are caused by herpes simplex virus (HSV), which are of two types- HSV-1 and HSV-2. The cold sore causing virus makes way into the body through a break in the skin and is highly contagious. Though cold sores look unpleasant, there are various 1-day cold sore treatments are considered to be one of the fastest cold sore treatments. What are the symptoms of cold sores? Fever, sore throat, swollen glands in the neck and pain around the lips and mouth are indicative of the onset of cold sores. People often use the term canker sores and cold sores interchangeably. Cold sores are characterized by the appearance of blisters on the mouth and lips, whereas canker sores are ulcers that appear inside the mouth and the herpes virus doesn't cause them. So, canker sore treatments and 1-day cold sore treatments differ. What are the popular 1-day cold sore treatments? Cold sores, if left untreated can be the cause of immense pain that you will experience for the next few weeks. However, there are various 1-day cold sore treatments that can get rid of the cold sores in no time. They are as follows-

• In case of an outbreak of cold sores, one can seek relief from these by opting for topical creams or ointments, even over-the-counter medicines, which will be instrumental in reducing the pain and irritation caused by these cold sores.
• Various antiviral medicines are available to reduce the misery caused by cold sores. The doctor will prescribe the right antiviral medicine for you which will reduce the itching and swelling caused by the cold sores.
• One can also opt for vitamin C supplements or zinc oxide topical cream for combating cold sores.

In addition to those mentioned above 1-day cold sore treatments, there are several home-remedies for treating cold sores.

Most of us have experienced bed bug infestation in our home or office. No other pest is as infuriating as the bed bug. Bed bugs are extremely resilient and feed upon the blood of animals with warm blood, especially humans. They typically feed after midnight till sunrise. This feeding is necessary for them to not only survive but also for reproduction and laying of eggs. It takes about 14 days for these pests to be visible to the human eye. Finding the best bed bug spray is extremely difficult as these insects develop quick resilience. A spray that promised to kill bed bugs in minutes last season may not work in the next. As they evolve quickly, bed bug treatments need to evolve faster and always be a step ahead. Below is some information regarding the different bed bug extermination costs, inspection, and options. Bed bug treatment options and costs Keeping quality and longevity in mind, and based on the bed bug extermination cost, there are about two kinds of bed bug treatments you can choose from: A DIY bed bug treatment- A do-it-yourself treatment would require you to inspect the area of infestation, develop a plan, work toward ensuring the infestation does not spread. The treatment would require you to buy an effective and efficient bed bug killing formula which you would need to use on the infested spaces. Another choice in the DIY treatment is opting for non-chemical options, such as using heat treatment, steam cleaner, or cold treatment. These cost-friendly treatments are more effective in controlling the infestation rather than entirely ridding of it. A professional bed bug exterminator- Depending upon the level of bed bug infestation in your home or office, you can seek help from a professional exterminator. A professional exterminator first inspects your home or office to understand where the bed bugs are hiding and the extent of their infestation. Regular inspections cost approximately $50 to $ 200. While canine inspections, which make use of dogs specially trained for detecting pests, will cost around $400 to $500. Post inspection, most professional exterminators use the technique of Integrated Pest Management (IPM), which is a treatment approach combining various methods like use of pesticides, freezing, use of steam heat, cracks and crevices sealing, and more. The methods are selected based on different factors related to the infestation.  An important factor to consider about professional exterminators is that these professionals are extremely capable, well-trained, and also officially licensed to use chemical pesticides, thus ensuring no ill side-effects are experienced by the residents of the infested area. The bed bug extermination cost increases when you hire a professional exterminator. However, this option is more efficient in ensuring complete removal of infestation. Which one should you choose? This may seem like it’s a simple choice, you can opt for the DIY treatment if you’re looking to save cash or go for the professional treatment if you really want to kill bed bugs in minutes. But this goes beyond that. The extent of the bed bug problem in your home or office should aid your decision. At the end of the day, you have to understand that the best bed bug spray or treatment is one that works the quickest and lasts the longest. Conduct a proper research about both the options before choosing one. Once, you are rid of the bed bug problem, ensure you take proper precautions to avoid recurrence of the same.

The main function of platelets is to prevent bleeding and maintain the red blood cells count by clotting the blood in case of wound or injury to the body. The normal platelet per microliter is between 150,000 to 350,000. Because platelets are a very tiny, they make up a very small fraction in the blood volume. Before head on to find out about low blood platelet causes, let us get to know some symptoms of the same: Also called as thrombocytopenia, the signs of low platelets count might include:

• Easy or excessive bruising, which is medically termed as purpura
• Cuts and wounds that would take longer time to heal
• Blood in urine or stools
• Fatigue
• Enlarged spleen
• Heavy menstrual flows
• Bleeding gums or nose

Let us look at some of the common causes of low platelets count.

• Low platelet count causes due to Medication and substances: Low platelet counts can be caused due to certain medicines, consuming poisonous substances, heavy alcohol drinking. It can also be caused due to drinks that contain quinine as an ingredient (tonic water for instance). The substance quinine is also found in (over-the-counter) tablets that one consumes to get relief from leg cramps. Poison that cause low platelets count include pesticides, arsenic, benzene etc. Some anti clogging medications that causes low platelets include heparin, eptifibatide, tirofiban and other glycoprotein. Prescription less drugs such as acetaminophen, ibuprofen, naproxen etc. Other seizure preventing medications and sulfonamides can also cause low platelets count.

• Low platelet count causes due to medical conditions: There are a range of medical conditions that can cause low platelets counts. These medical conditions can be divided into 2 broad types that is, reduced production of platelets, and raised breakdown of platelets. Platelets might get trapped in great numbers by an organ called spleen, and is not secreted in the blood. This happens when the spleen is bigger than usual. This condition has its own range of medical reasons. The medical condition that causes bone marrow to produce less platelets include:

• Leukemia and other form of cancers affect the bone marrow directly, hence lesser platelets are made. These conditions are one of the major low platelets count causes.
• Some types of blood conditions called as anemia can also decrease the platelets count.
• Severe viral infections like Hepatitis C and HIV has one lower platelets counts as one of their repercussions.
• Pregnancy also destroys a small number of platelets. The condition is usually mild and does not need any treatment and returns to normalcy post pregnancy.