THE POWER OF RENTER'S INSURANCE Fires, burglaries, floods, and tornadoes can be devastating. So, if you rent your home or apartment, renter's insurance is essential to protect you and your possessions. It’s a good idea to take inventory of your costly items, including cellphones, tablets, jewelry, smartwatches, televisions, and firearms. Not only does it cover damages and pay for repair and replacement of lost and stolen items, but it covers any liabilities you may be responsible for in the event someone gets injured at your home. For example, what would happen if your dog bit someone’s child, a party got out of hand at your apartment and someone got hurt, or a friend got electrocuted while installing a new fan? It's a common misconception that a landlord’s insurance will protect renters. The landlord’s insurance only covers the physical structure, but not the belongings inside the dwelling. So, if a hurricane were to hit, the exterior roof would be covered on the landlord’s end, but your dining room table that was damaged by water after the roof was damaged is not covered. This is where your personal renter’s insurance would come into play.
NEW YEAR, NEW PERSPECTIVES New Year’s Traditions Around the World 2023 has arrived, so it's time to plan for the year ahead and set some resolutions. On Dec. 31, as the clock struck midnight, you likely celebrated the New Year with fireworks, parties, noise makers, the ball drop, music, celebration hats, and confetti. But around the world, not everyone celebrates the same way. Check out some of these traditions others use to ring in the new year! Colombia Who doesn’t love to travel? In Colombia, many carry an empty suitcase or two around the neighborhood, hoping to bless the coming year with many chances to travel. Spain In Spain, you may catch some natives eating exactly 12 grapes, one for each clock strike once midnight arrives. Each one represents good luck for each month in the new year. In larger cities such as Barcelona and Madrid, they gather to eat grapes together in the main squares. Brazil, Ecuador, Venezuela, and Bolivia In these Central and South American countries, the new year is celebrated with lucky underwear! The most common colors are red, intended to welcome love in the upcoming year, and yellow, which is said to bring about prosperity. Greece If you were to visit Greece on New Year’s Eve, you might see onions — thought to symbolize rebirth — hanging on the front doors of every home. On New Year’s Day, parents wake their children by gently tapping them on the head with the onions. Philippines In the Philippines, people use round shapes to represent coins that symbolize prosperity in the new year. Some even display round fruit, such as grapes, on their dining room table and, like people in Spain, will eat 12 at midnight. Denmark To get rid of evil spirits, the people of Denmark will throw old plates and glasses against their friends’ and families’ front doors. Then to “leap” into the new year with good luck, they stand on chairs and jump off! What New Year’s traditions do you have?
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