Julie Nicole Photography

Northern California and Destination Wedding & Portrait Photographer

Student and Renters Insurance FAQs

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Here are some commonly asked renters and student insurance questions (FAQ-like) that most students ask when renting an apartment or room to keep them safe for a school year.

With regards student insurance:

How much does it cost?

The coverage is great and it doesn’t just insure your stay, they can even cover your properties. Renters insurance help protect your possessions, especially your prized textbooks for just $10 a month on average. Well that’s already thrifty considering your love for late-night pizzas and the cost of replacing those items in case they’d be stolen, damaged or lost.

So what does it usually cover?

Aside from books which are obvious stuffs a student must have, renters insurance policies typically cover a number of mundane things for students you wouldn’t even think can be insured. Graphing calculators, televisions, skateboards, scooters, bicycles and even a futon can be covered! Other more expensive tools such as smarpthones, gaming consoles and computers can be included too. Personal liability is also in play as when you hurt someone while using some of them, renters coverage can help pay for any medical expenses and potential lawsuits. As noted on squareoneinsurance.ca, they can even protect you from risks of identity theft too!

How renters insurance reimbursement processes work?

Well, it depends on what type of coverage you opted for. Reimbursements are usually done by cash or actual replacement of the intended item. Commonly used terms are ACV (reimbursement for exact possession’s worth factoring depreciation), RCC (limited compensation regardless of depreciation). And since depreciation is cut out of the picture, RCC premiums tend to be a bit more expensive than ACVs.

With regards renters insurance:

Can I use my parents’ homeowners insurance?

Those under the age of 26 are still typically covered by this so while you’re in college, you don’t really need to ask for it. Those older than this age and live at off-campus sites, then your folk’s homeowners insurance can’t cover for your own hide. It’s always better to discuss it with them personally so you can check what coverage can they extend to you. Also inspect how that policy can adequately cover you even if you’re far away and don’t rely on it much as your limit will always be lower than theirs and not enough to cover all of your stuff.

Is renters insurance available for students living in dorms?

College dorm rooms are fun but too unpredictable, something, that insurance companies don’t rely upon. Most, if not, all of them do not cover them. Go check with your parent’s existing coverage then.

Can my policy be inclusive of my dorm-mates?

Only if that roommate is your legal spouse, domestic partner and member of your family. If not, they should have been previously added as an insured party in case you live off-site.

How Juvederm Helps your Skin as you Age

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Ageing is an inevitable phenomenon that we all go through as women. It brings with it numerous changes in our health, especially our energy levels and skin. Unfortunately, not all of us can age gracefully and our skin can demonstrate changes that can make it look rather unpleasant and unsightly in some cases. However, there is good news when it comes to looking after our skin as it ages.

The field of cosmetic medicine has now introduced different kinds of fillers and injections that can plump up the skin and take away years off its appearance. One such treatment is Juvederm and in this article we shall explore how Juvederm can help your skin as it ages

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What is Juvederm?
According to experts, Juvederm is a gel filler that contains hyaluronic acid – a natural component of skin collagen. Within the skin, the natural hyaluronic acid is responsible for the firmness and tone of the skin.

Skin ageing
As a woman’s skin gets older, it can form of wrinkles and lines that can make it evident from external appearance that she is old. These skin changes are typically visible on the face and present themselves in different ways such as facial wrinkles, crow’s feet, thinning lips, drooping of the corners of the mouth and loss of fullness in the cheeks.

Changes in the skin can start at different ages though they usually begin in the 30s. Mild changes seen in the 30s include the visibility of crow’s feet and forehead wrinkles. Once a woman approaches the 40s and 50s, additional wrinkles and lines may appear which are a lot deeper and are associated with loss of skin moisture and volume. The skin can even lose its natural coarseness and colour in the 60s and 70s.

The benefits of Juvederm
Juvederm has been around for a few years and has numerous advantages over other cosmetic treatments. Firstly, it is well recognised by many of the cosmetic surgery authorities such as the American Society of Aesthetic Plastic Surgery and also the US FDA. Juvederm is easily injected into the skin and treatments can be performed in a short sitting without causing any discomfort to the patient or any disruption to their regular activities.

The changes that have previously been described in the skin as we get older can be easily treated using Juvederm. The hyaluronic acid gel can be injected under the skin and can promote hydration of the skin by drawing in water and making the skin appear plumper. Plumping of the skin stretches out the wrinkles and smoothens it.

The procedure takes anywhere between 15 to 20 minutes to perform and is devoid of any side-effects after the procedure. Treatments can last a few months and repeat sessions may be needed in the future. Treating any form of fine lines and wrinkles is straightforward, safe and effective.

Avoiding Yo-yo Diet Results

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Less than 10% sustain the weight they lost through some fad diet or exercise regimen. About half of all who take on a diet eventually gain more than what they lost. These rebounding weight loss effects or ‘yo-yo’ in common parlance is taking more people at greater risks than those steady overweight people who have not tried losing any pounds.

To add insult to injury, our society and the media’s obsessive emphasis over the beauty of thinness had derivative impacts over the esteem and overall health of millions of girls and women globally.

There’s even ridicule and criticism experienced by people who try to lose weight. What do you think has prompted them to do so? Because fat is ugly, as we say it today, ironic as it may sound but the fat we despise of today is the beautiful and in-thing for our ancestors from the Middle Ages.

In return (sadly), people shred pounds off their bodies not because they want to stay healthy but because they want to feel redemption, they want to feel connected and feel good about themselves. Thus, the motivation is not set right. According to rejuvthederm.com, the yo-yo weight loss is in full effect.

Inner criticisms prove fatal when women think of their bodies as a thing of ridicule. That perspective is better off our system than in it. As a matter of fact, taking your stand against these bullies will help your emotional stability more than anything else. DO NOT diet because people ridicule you. The common “you need to go on a diet” chants on the airwaves is like Pavlov conditioning his dogs to eat at certain times. You aren’t dogs!

It is true that America is slowly turning into an obese country, and that more and more people need to be more cautious about their diets and health but that doesn’t mean you need to live under a roof that espouses ridicule for body shame and self-hatred.

Some research may even prove that being overweight or mildly obese doesn’t really lead to greater health risks. But gaining and losing weight and altering it altogether prove to be more harmful than any other condition. And yes that’s the result of many diet programs that start with body-shaming causes which make rebound reactions fatal.

If you really need to lose weight, do so for your health and not because the kid next to your house bullies you about that double chin every time. Many a women suffer from this debilitating condition as they’re more emotional in nature. This feelings of resent won’t help at all. Stop thinking something’s wrong with your body. If you’ve achieved that mindset, then you’ll be physically and emotionally ready for diets that WORK. Do not be part of statistics depicting girls perceiving themselves overweight when they’re clearly not.