Check out your policy!! (Seguros Ginestar Costa Blanca).

If you own items that could catch the eye of appraisers on Antiques Road show, make sure you have the proper insurance to protect them.

Additional insurance coverage for antiques and items such as furs, jewelry, collectibles, wine and fine art is a good idea. A standard policy, which covers your personal property, has limits on how much it will pay for certain items. In order to protect more expensive valuables, you’ll probably have to buy additional coverage in the form of a rider. Your standard home insurance policy defines the maximum amount of money you would receive for specific items as for example electronic apparatus such as smart phones, laptops and tablets. These limits vary by insurance company. You have to make sure you understand what's covered and what the limits are and keep an inventory of your belongings. Include what the item is, when you bought it and how much you paid for it. If there are serial numbers, write those down, too.



For particularly valuable items, or for collections or antiques whose value can be questioned, consider hiring an appraiser. If you decide that your standard home insurance policy isn't enough, you'll need to look at blanket coverage and item specific riders. Individual riders can be purchased for an item like a wedding ring, expensive painting, etc. Blanket coverage can be purchased to cover an entire category of items that generally include jewelry, fine art, silverware, cameras, musical instruments, furs, wine, stamps, coins and collectibles. Regardless of how you decide to insure your treasures, make sure you know when a policy will not pay out (look for "exclusions"). In general, you're covered for most losses resulting from just about any peril — except nuclear explosion, war or intentional acts of destruction. No matter what the insured item, you may want to review its value regularly. Some items may increase in value over time and you may want more coverage. Others could decrease and you could find yourself over insured. 

Most standard home insurance policies will not pay to replace what some insurance companies call "items of antiquity." In some cases, that means anything more than 25 years old, but the definition can vary depending on your home insurer. That's a reason to take out a special rider on any antiques you own. Be sure to tell your agent about any particularly valuable items you want to insure. Keep documentation of your valuables' worth in a separate location: a safety deposit box, your lawyer's office, or at the house of a relative. Make sure you understand the limits and exclusions of your policy or rider.

Insuring your valuables (Seguros Ginestar Costa Blanca).

If you own items that could catch the eye of appraisers on Antiques Road show, make sure you have the proper insurance to protect them.

Additional insurance coverage for antiques and items such as furs, jewelry, collectibles, wine and fine art is a good idea. A standard policy, which covers your personal property, has limits on how much it will pay for certain items. In order to protect more expensive valuables, you’ll probably have to buy additional coverage in the form of a rider. Your standard home insurance policy defines the maximum amount of money you would receive for specific items as for example electronic apparatus such as smart phones, laptops and tablets. These limits vary by insurance company. You have to make sure you understand what's covered and what the limits are and keep an inventory of your belongings. Include what the item is, when you bought it and how much you paid for it. If there are serial numbers, write those down, too.

For particularly valuable items, or for collections or antiques whose value can be questioned, consider hiring an appraiser. If you decide that your standard home insurance policy isn't enough, you'll need to look at blanket coverage and item specific riders. Individual riders can be purchased for an item like a wedding ring, expensive painting, etc. Blanket coverage can be purchased to cover an entire category of items that generally include jewelry, fine art, silverware, cameras, musical instruments, furs, wine, stamps, coins and collectibles. Regardless of how you decide to insure your treasures, make sure you know when a policy will not pay out (look for "exclusions"). In general, you're covered for most losses resulting from just about any peril — except nuclear explosion, war or intentional acts of destruction. No matter what the insured item, you may want to review its value regularly. Some items may increase in value over time and you may want more coverage. Others could decrease and you could find yourself over insured.

Existing health systems in Spain (Seguros Ginestar Costa Blanca).

Public hospitals provide much of the primary healthcare and emergency services that Spanish residents require. The people in the industry are efficient and well educated, and hospitals often employ personnel who speak English or offer the services of interpreters. Unlike in many other health systems, Spanish doctors will try to find patients the cheapest medications to use, as opposed to receiving rebates.

Public hospital facilities in Spain are generally well equipped, and some private health institutions have even been known to send seriously ill patients to state facilities because they can't afford the same standard of progressive instruments and medical equipment.

The downside is that the public sector has been known to suffer from staff shortfalls, and the waiting periods to see a specialist or have a procedure done can, in some cases, take months. Still, it is said that there are fewer deaths caused by delays in Spain than in other european countries.

To be able to use the public healthcare system (Sistema Nacional de Salud) expats would first need to get a social security card at the Social Security Treasury Office (Tesorería de la Seguridad Social). It is then necessary to obtain a medical card at their local clinic, which will give them the right to use the services of the nationwide public health network.

Expats should note that a social security number can only be obtained if they have registered on the Empadronamiento, the municipal register.

Non-residents unfortunately do not qualify to receive universal healthcare; however, there is a pay-in scheme for expats who aren’t otherwise able to access state healthcare, called the convenio especial.

Expats who choose to use state healthcare in Spain should note that they will not be able to choose a physician, since one will be appointed to them. There is also often a pointed lack of creature comforts, and those who prefer cushioned chairs and private rooms may want to utilise private healthcare.

However, some expats prefer private healthcare in Spain in order to have access to more options for treatment and physicians, and to avoid the queues of the public health system.

There are hundreds of private clinics and hospitals across the country, giving the private healthcare system a greater degree of accessibility.

While single consultations within the private healthcare system may be affordable for most expats, the care required in the case of a medical complication or in an emergency can quickly become expensive. As a result, it's recommended that expats who plan to regularly utilise private care take out health insurance.

Important Investment Concepts to optimize your Portfolio (Seguros Ginestar Costa Blanca).

We are going to examine different investment concepts that are fundamental to successful value portfolio management. Notice none of these concepts require us to be a genius or have some special skill. However, it does involve putting a little effort and time into changing the way we think and approach investing.

1. The Importance of Time

The question of when to start investing for retirement seems easy, but few people understand the importance of the answer. Exponential growth is the powerful investment concept that makes time the most important factor in determining the value of your portfolio. The earlier you begin to invest, the greater the probability of having choices and a quality retirement. Because of the power of compounding, the investments made in your early years should be worth many times over the value of your investments made closer to retirement.

Car insurance in Spain (Seguros Ginestar Costa Blanca).

Spanish insurance policies may vary from the standards of other EU countries. In this article you can find out some information to bear in mind:
- It is obligatory for all cars to have at least third party, fire and theft insurance (part comprehensive). This is called: seguro a terceros or responsabilidad civil obligatoria
- Fully comprehensive: (Seguro a todo riesgo) is available and often obligatory when leasing a car or buying on hire purchase.
- Driver and passenger insurance (Seguro de ocupantes) provides compensation for loss of earnings and death. Special insurance may be required for exceptional contents and accessories.