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No matter what kind of apartment building you live in, units that come with their own private balcony are among the most coveted. Having a small outdoor space like a balcony for your apartment opens up a world of entertaining possibilities, from dinner parties to simply enjoying the view with your morning coffee. Our apartment balcony ideas take you through all four seasons of festivities and relaxation.

But there’s a catch: Unless you live in an area where the weather and climate are mostly the same throughout the year, you’ll need to decorate your balcony in accordance with the seasons. That doesn’t just mean fun seasonal decorations for different holidays like the Fourth of July or Christmas, but weatherizing it so the space is actually usable from installing rain protection during the rainy season to adding a safe outdoor heater during winter. Apartments that come with balconies typically fetch higher rents than other units without, so you don’t want to let it go to waste for half the year. Reclaim and fully enjoy your balcony space with these year-round apartment balcony decorating ideas.

outdoor area balcony ideas

How to decorate your apartment balcony space for all seasons

Unsure how to decorate your tiny balcony for winter so it’s both cute and cozy? Don’t have a ton of floor space but still want to add plants to your small balcony? We’ve got you covered.

For each of the four seasons, we’ve got balcony ideas for how to decorate and best use the space. That way, you can enjoy your balcony as a living space and lounge space throughout the year instead of just for a few months.

small balconies can still be decorated for the holidays as long as you make use of vertical space

Winter

Winterize your outdoor balcony — but keep it cute at the same time — with these winter balcony decorating ideas.

Add a space heater

Set up a cozy space heater in one corner to keep things warm and toasty. If you only have a small space to work with, be careful to keep the heater far from flammable objects like curtains or outdoor rugs. For an extra charming touch, choose one of the models that feature fake logs.

If you have enough space, an outdoor heating lamp works as well.

Enclose the outdoor space to keep it warm

Use zippable plastic walls, curtains or privacy screens to keep heat in and keep the cold out by creating a contained indoor space.

This is also for safety reasons. If your balcony is open-air or snow and ice can still get into the balcony through curtains or tarp coverings, you’ll need to prevent them from building up and turning your balcony into a slippery, potentially dangerous ice zone. Keep a shovel or broom on hand as well.

Add winter plants

Instead of summertime flowers or fall cornucopias, pick out some seasonal or hardy, cold-weather-withstanding plants like miniature conifers. Around the holidays, poinsettias are another nice touch!

Add lots of cozy rugs, blankets and pillows

Gotta stay cozy while enjoying your balcony outdoor space in the winter! Cover your table and chairs, as well as couches and other patio furniture, with plenty of plush, warm throws, blankets, seat cushions and pillows. On the ground, a fuzzy outdoor rug also completes the snug, “cabin in the winter woods” aesthetic.

Light things up with candles

Add candles with seasonal scents like pine to tables and shelves, bringing a warm glow to your outdoor area. But be sure to monitor them and don’t leave them burning unattended. If you don’t feel comfortable with real candles, battery-powered ones also work great.

Make s’mores with a portable mini-firepit

Go all out on the winter season with a mini-firepit to make s’mores, fondue and other cozy foods from the comfort of your own balcony.

Celebrate the season with holiday decor

Tis the season! Whether you celebrate Christmas, Hannukah or another seasonal festivity, deck the halls (or more accurately, balcony and balcony walls), with colorful lights, wreaths, miniature trees and more. Add garlands to your balcony railings, set up a nativity scene on an outdoor table…the options go on and on!

Use a terrarium or small greenhouse to protect plants

If you want to protect plants that don’t do as well in the cold, try adding a small greenhouse or terrarium to shelter them from the elements.

small patio with garden - small balcony ideas

Spring

Spring has sprung, and apartment balconies everywhere should be bursting with life and color! Get your outdoor space ready for the warm season and create your own outdoor oasis with these tips.

Outfit the space with plenty of plant life

Have a green thumb but live in an apartment building that only has tiny balconies? Celebrate the return of greenery by turning your balcony into your own private garden! Potted plants, hanging plants, flowers and more are all great ways to bring greenery and life to your outdoor space. Plus, they’ll all flourish in the fresh air. Just be sure to choose plants that will do well in the apartment environment.

Add hanging planters if you only have a small outdoor space

Don’t have enough square footage or floor space for tons of plants? Install plant hangers from the ceiling instead. You can also hang planters from your balcony railings.

Install a rail planter or vertical garden

Another great option for plant lovers with small balconies is to install planters that hang off your balcony railing. A railing planter won’t take up space on the floor and makes for easy watering (just make sure you’re not dripping on your neighbor down below!)

The exterior wall of your balcony is an often overlooked space when it comes to decoration and utility. Put that vertical space to use with vertical planters. Vertical planters are another easy way to have potted plants in small spaces. Vertical gardening maximizes space, holding lots of small potted plants so you can have everything from flowers to fresh herbs.

Set up furniture

Store away the cold-weather coverings in favor of colorful, warm-weather comfortable furniture like tables and chairs. If you have enough space and love spending time outside, you can even try to install a day bed in one corner so you can lounge.

At the same time, though, you don’t want to overfill the whole space. Give yourself more space to move around by choosing stylish but space-appropriate furniture like a small table or

Choose furniture that’s easily storable

With summer right around the corner, you know what that means? Parties and having friends over! Because of this, you’ll want to make sure your balcony isn’t too crowded or has too much stuff. During spring and summer parties, people can hang out on the balcony to drink, smoke or just chat. You want to have as much access to the entire space as possible so your guests aren’t crowded.

An easy way to seamlessly change the space for parties is by choosing folding furniture and stackable chairs that easily disassemble and can be stored away. Nesting tables are another great option. If you have hanging chairs or hammocks, they should be easy enough to take down for parties.

Choose weather-resistant fabrics

If you plan on leaving your balcony open to the elements during spring and summer, you want to protect your furniture and decor from rain. Choose weather-resistant fabrics or have them treated to be more water-resistant so they won’t grow mold or get discolored.

Jazz up the floor with tiles or rugs

Does the balcony have ugly or uncomfortable flooring that draws the eye, becoming a sad focal point amid all the other thoughtful interior design you’ve done? Hide flooring with colorful, patterned rugs or interlocking deck tiles for a more sophisticated, upscale look.

add rattan or folding furniture to sit outside all summer

Summer

It’s summertime, so spend all your time outdoors on your balcony in the perfect space you created for the season.

Get your grill on

A great idea for how to enjoy your balcony in summer is by adding a grill! If space permits, stick a grill into a corner to host summertime barbecues and dinner parties. Just be sure to make sure your apartment complex allows grills on balconies, as some only permit them on a small patio area.

Add fans to beat the summer heat

Install ceiling or small table fans to keep airflow going on hot days.

Add a hanging chair to maximize room on your small balcony

Only have a small balcony space with not enough room for lots of balcony furniture? Install a hanging chair, swing or hammock to maximize floor space.

Elevate the space with tall plants

One of the best small balcony ideas for making the space seem bigger is adding the illusion of height. Lengthy palms and tall plants help the space open up, as well as make you feel like you’ve entered a literal urban jungle.

Add a festive feel with string lights

Swap out the colorful holiday lights for chic string lights to illuminate your balcony at night. Just make sure they’re intended for outdoor use. Even better: a great alternative to regular lights is eco-friendly solar string lights. That way, you don’t need to plug them in or swap out batteries.

Add new summertime decor

Break out the Independence Day decorations, watermelon-themed decor and more to help your balcony match the summertime vibe. That calls for new throw pillows, light-colored cushions and fabrics, wafting flags and banners. Have fun and get creative!

a small square footage space outdoors feels cozy in the fall with an outdoor rug and something warm to drink

Fall

Make your balcony feel like fall in all its color-changing foliage glory with these tips.

Add a cozy rocking chair

Sit back, relax and watch the leaves change while snuggled up with a good book and hot drink in a rocking chair.

Keep things spooky with Halloween or autumnal decor

From pumpkins and jack-o-lanterns to putting a cornucopia on your balcony table, there is no end of ways you can decorate the space for fall. Wind garlands around railings, hang fake spider webs (just make sure birds won’t get caught in them), carve jack-o-lanterns and set up tons of candles for an extra spooky atmosphere.

Keep it clean

Keep a broom on hand to sweep fallen leaves and other debris

Start adding the cold weather cozies

It’s time to start breaking out the blankets, throws and snug rugs again as the days get colder.

Use our apartment balcony ideas to stay practical and stylish

Make your balcony the place to hang out and be no matter the season. And as you can see, you don’t have to be a professional interior designer to turn an open balcony into an all-season space for socializing, alone time, gardening or whatever you want to do.

Still looking for a place with an outdoor getaway built right in? Find your next home here.

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To remain completely safe and protected in any situation, insurance is a necessity.  A lot of people think about life insurance as a financial tool that protects them and their families. It’s one of the best decisions that you can make to protect your loved ones if you were to pass away. Not having life insurance can be one of the worst mistakes that you can make.

This may be obvious for many people, but it applies to more than an individual. Life insurance can also be used as a tool in businesses.

A business requires insurance to avoid legal and financial issues that could threaten to shut everything down.

The security insurance can offer help to keep people employed and the business running, no matter what problems the company may face in the future.

Having business insurance keeps everyone safe from the disasters that could happen. These may cover many different things, but there is one thing that they all have in common, which is the total protection of both the business and everyone who works there. This helps to avoid problem areas and holes that could otherwise cause the business to shut down.

Knowing what is out there and how they can benefit the company as a whole is an important step to ensure everything runs as it should, if not better than it did, for years.

Buy-Sell Life Insurance

One type of insurance that every company must consider is buy-sell life insurance. When the owners buy this for themselves, they can have peace of mind for the future. If one owner were to die, the other owner can then purchase their share of the company. This gives the deceased’s family the money they need and avoids possible problems within the business. Since new owners can be disa

strous, even if they are family, this prevents their takeover and the fall of the company after such a tragic event. With others who invest their time and money into the company, this also keeps them interested and free of worries. 

This is a great way that owners can protect themselves and they can know that their family and business will be secure if anything were to happen to them. You’ve worked hard to make your business successful, don’t let all of that work be wasted.

This can also be a very affordable life insurance policy for the business to take out.

Key Man Life Insurance

Another type of insurance to consider is key man insurance. With most companies, there are several people who matter a lot and keep the company up. When this person passes, the company may suffer as a result.

Whether this is someone high up, like an owner or investor, or an employee whose contribution cannot be replaced, having insurance on them can save the company from going under.

This provides the company with enough money to do what it has to do so that problems can be avoided completely. With the absence of someone of such high importance, this could keep everyone from losing what they have.

The Importance of Business Insurance

Keeping a business up and running takes money. Business life insurance, and insurance for those who are important in the company, can keep everything in the green if something tragic were to occur. With the death of a co-owner, buy-sell life insurance can help the other owner avoid dangers. This makes sure no one else can come in to become a majority owner and that the family of the deceased is well cared for with the passing of a loved one.

Key man insurance is another type that can keep everything moving smoothly. If someone important were to die, this insurance gives the business money so that the person’s absence does not create a financial hole. These keep businesses afloat in dark times, helping to ensure everyone is free from worries.

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The Advantages to Key Man Insurance

If you’re a business owner, or a co-business owner, imagine a scenario where something tragic happens to you or your business partner. What would happen to the business? Would your family be left with business debt or personal debt? Would your business partner be able to recover from losing you? These are a lot of questions that most business owners never consider.

Maybe it isn’t an owner, maybe it’s a key employee, an adviser, or someone else. Regardless of who it is, losing someone inside of your business can be devastating, it could even cause your business to close. Key man insurance can help protect you against these losses and give you the funds you  need to replace that person, outsource the job, or find a way to get the business running again.

Aside from deciding which type of policy you need for your business, you also have to determine how large of a policy you’ll need. There is no “perfect number”, especially when it comes to key man insurance policies. A lot of this decision is going to depend on how important that person is, what their duties entail, how much it would cost to replace them, have their job completed otherwise, and how much you pay that person. While there is no magic number, most insurance agencies agree that anywhere from 5 – 10 times that person’s annual salary is a good target for your insurance policy (this is the most that the majority of insurance companies will approve).

Getting a Business Insurance Policy

Getting a key man insurance policy, or any other type of business insurance is just like getting a typical life insurance policy. You’ll submit an application with basic information about the person you are insuring.

There is going to be several different questions that you wouldn’t see with a normal insurance policy. The insurance company will need to know basic information about the business, like when it started, what type of business you run, how much the net worth is, and what type of rationality the insured person has.

If you’re looking to buy a business insurance policy, or even a traditional policy, we can help. Our agent are experienced in every type of insurance policy and they can answer your questions and point you in the direction of the policy. There are hundreds of companies that offer different insurance plans, it can be difficult choosing which one works well for you and your business. Let us give you the lowest rates from the best-rated companies in the U.S.

When you run a business, or you are a vital part of that business, the main goal is to make sure that you’re making money. You want to keep your profits up and your expenses down. Regardless of the size of your business, you don’t want to have to pay more for insurance than you have to. One of the best ways to ensure that you’re getting the best rates possible is to compare several different companies before you choose one that works for you. You could spend hours researching companies in your area and calling dozens of insurance agents, but your time is valuable and we know that. Let us do all of that work for you. Fill out the quote form and we can give you some of the lowest rates in your area based on your specific situation.

Source: goodfinancialcents.com

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From assistance with daily activities to medical support, long-term care insurance is designed to provide financial protection when you face chronic illness, disability or cognitive impairment. However, pre-existing conditions, advanced age, health issues and disabilities can disqualify you from getting coverage. Here are the ins and outs of long-term care insurance, a list of health conditions that insurance companies deem uninsurable and alternative solutions to help you get the care you need on a modest budget. You may want to talk to a financial advisor to get specific advice for your situation.

What Is Long-Term Care Coverage?

Long-term care insurance provides coverage for the costs associated with long-term care services. Specifically, it helps individuals pay for assistance with activities of daily living (ADLs) or medical services needed due to a chronic illness, disability or cognitive impairment.

Long-term care services support various activities, such as bathing, dressing, eating, toileting and movement. It can also cover services nurses, therapists and home health aides provide. Some policies may even cover care in nursing homes, assisted living facilities or adult day care centers.

In addition, this insurance aims to help individuals protect their assets and savings from being depleted by the high costs of long-term care. These costs can be substantial and standard health insurance doesn’t cover them. Likewise, Medicare and Medicaid don’t cover these expenses except under specific circumstances and eligibility criteria.

When an individual has long-term care insurance, they pay regular premiums to the insurance company. If they require long-term care services in the future, the insurance policy can provide benefits to cover a portion of the costs up to the policy’s coverage limits. The specific benefits and coverage provided by long-term care insurance policies can vary, so reviewing and understanding the terms and conditions before purchasing a policy is essential.

It’s worth noting that long-term care insurance is generally more expensive and harder to obtain as you get older or have pre-existing health conditions. Therefore, it’s advisable to consider purchasing long-term care insurance earlier in life when premiums are more affordable and eligibility requirements are more flexible.

What Disqualifies You From Long-Term Care Insurance?

Insurance companies consider certain factors disqualifying or exclusionary when you apply for long-term care insurance. These factors can vary between providers, but here are common reasons that may result in disqualification from long-term care insurance:

  1. Pre-existing conditions: Insurance companies often review an applicant’s medical history to assess their risk. For example, if you have certain pre-existing conditions, such as Alzheimer’s disease, Parkinson’s disease or certain forms of cancer, the insurer may decline or exclude coverage for those conditions.
  2. Age: Some insurance companies have age restrictions and may not offer coverage to individuals beyond a certain age, typically around 80 or 85. The cost of premiums also tends to increase as you get older. Conversely, you can’t be younger than 18 when purchasing coverage.
  3. Existing disabilities or impairments: If you already have a disability or impairment that requires long-term care, insurance companies may consider it a high-risk factor and decline coverage.
  4. Cognitive impairments: Severe conditions like dementia may disqualify an individual from obtaining long-term care insurance. Insurers assess the risk associated with cognitive decline and may exclude coverage for related care needs.
  5. Terminal illness: Individuals with a terminal illness may not be eligible for long-term care insurance, as the policy aims to cover long-term care needs rather than end-of-life care.
  6. Recent hospitalizations or surgeries: Insurance companies may impose waiting periods or exclude coverage for pre-existing conditions if an applicant has recently been hospitalized or undergone a significant surgery.
  7. Substance abuse or mental health disorders: Some insurers may decline coverage or exclude certain conditions related to substance abuse or specific mental health disorders.
  8. Declining health: If an applicant’s health is already in decline, insurance companies may deny coverage or charge higher premiums to account for the increased risk.
  9. Criminal history: If crimes appear on your personal record, insurance companies might refuse to provide coverage, particularly if you have any felonies in your past.

Remember, not all insurance providers have the same criteria and the availability of long-term care insurance and the specific conditions they cover can vary. Therefore, when considering long-term care insurance, it’s recommended to consult with multiple insurance companies, carefully review the policy terms and conditions and seek advice from an insurance professional or financial planner specializing in long-term care planning.

Examples of Uninsurable Health Conditions

Because each insurance company has underwriting guidelines and practices, the specific list of uninsurable conditions can vary between providers. That said, here are some health conditions that insurance providers typically perceive as high-risk:

  • AIDS/HIV
  • Alzheimer’s Disease, dementia and other forms of cognitive issues
  • Ankylosing spondylitis
  • Amyotrophic Lateral Sclerosis
  • Bipolar Disorder or other depression with the use of antipsychotic medications
  • Cardiomyopathy
  • Cerebral Atrophy (Paralysis)
  • Cerebral Palsy
  • Cirrhosis of the Liver
  • Confusion
  • Current Cancer and Metastatic Cancer
  • Cushing’s Syndrome
  • Cystic Fibrosis
  • Huntington’s Disease
  • Kidney Disease requiring dialysis
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Parkinson’s Disease
  • Schizophrenia
  • Scleroderma
  • Spinal Cord Injury
  • Significant Stroke/Cerebral Vascular Accident (CVA)
  • Systemic Lupus

In addition, if you require help with activities of daily living or live in a care facility, companies will likely consider your conditions uninsurable. Likewise, if you use a wheelchair, walker, cane, stairlift or hospital bed, you may be ineligible. Furthermore, oxygen therapy also disqualifies you from coverage in most situations, as do disability benefits, with the possible exception of military benefits.

Remember, this list is not exhaustive and the availability of coverage for these conditions can vary between insurance providers. Insurance companies may also consider factors such as the severity and stability of the condition, the age of the applicant and other individual circumstances when assessing insurability.

Long-Term Care Health Qualifications

Typically, individuals aged 65 and above are eligible for long-term care insurance, even if they have a notable health condition. Nonetheless, eligibility depends on specific criteria each insurance company sets. For instance, certain companies may mandate a specific level of net worth or income to qualify, while others focus on your medical conditions and history.

In other words, your eligibility for long-term care insurance rests with the insurance company. Therefore, it’s crucial to research the criteria of long-term insurance providers to identify the one that aligns with your circumstances.

How to Pay For Long-Term Care without Long-Term Care Coverage

When shopping around for long-term care coverage, you might have disqualifying health conditions or discover that the insurance premiums aren’t realistic for your budget. If so, you can pay for long-term care through other means, such as:

  • Self-Funding: If long-term care insurance is not feasible, you can adopt a simple approach of living on a reduced budget to save and invest more. It’s an excellent idea to set aside money regularly for investment purposes, whether through a 401(k), an IRA or a non-retirement investment account.
  • Group Plan Coverage: If your employer offers long-term care insurance as a benefit, you may be eligible for enrollment regardless of your health history. Taking advantage of such coverage is advisable if you have a chronic condition, as it may allow you to continue it even after leaving the employer.
  • Long-Term Care Annuity: Consider investing in a long-term care annuity, where you make a lump sum payment and receive a consistent, specified income for the rest of your life. Long-term care annuities often include provisions to assist with long-term care expenses.
  • Hybrid Life Insurance/Long-term Care Policy: Some life insurance policies come with a long-term care rider, making it easier for individuals with chronic conditions to qualify for coverage. These policies combine life insurance benefits with the option for long-term care coverage.
  • Short-Term Care Policy: Instead of a long-term care policy that provides coverage for multiple years, you can choose among short-term care policies offering coverage for a year or less. While the benefits may not be as extensive as traditional long-term care insurance, having some coverage is better than none.
  • Medicaid: Individuals with limited income and countable assets below certain thresholds may be eligible for long-term care services covered by Medicaid, a government program.
  • Life Insurance Policy Settlement: If you currently hold a life insurance policy, pursuing a long-term care life settlement is possible. To do so, you can sell the policy and use the proceeds to cover long-term care expenses.

The Bottom Line

Long-term care insurance covers the costs associated with long-term care services, assisting individuals with activities of daily living (ADLs) and medical services related to chronic illness, disability or cognitive impairment. It aims to protect assets and savings from the high expenses of long-term care, which are often not covered by standard health insurance, Medicare or Medicaid. Therefore, researching and evaluating options is essential to find the most suitable approach for individual circumstances.

Tips for Qualifying for Long-term Care Insurance

  • Long-term care looks different for everyone because of the endless combinations of health conditions and financial circumstances. As a result, there’s no simple answer for how to navigate long-term care and financial management in retirement. Fortunately, an experienced financial advisor can help establish a sustainable plan for your golden years. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • As with many aspects of retirement, timing is crucial for long-term care insurance. If you’re unsure how your timeline matches your long-term care situation, here’s how to know when to apply for long-term care insurance.

Photo credit: ©iStock.com/gustavofrazao, ©iStock.com/kazuma seki, ©iStock.com/yellowpicturestudio

Ashley Kilroy
Ashley Chorpenning is an experienced financial writer currently serving as an investment and insurance expert at SmartAsset. In addition to being a contributing writer at SmartAsset, she writes for solo entrepreneurs as well as for Fortune 500 companies. Ashley is a finance graduate of the University of Cincinnati. When she isn’t helping people understand their finances, you may find Ashley cage diving with great whites or on safari in South Africa.

Source: smartasset.com

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Step into a realm of unparalleled vacation rental mastery, where insider secrets await to catapult your property to five-star excellence. In this Redfin article, we explore these closely guarded secrets that will elevate your guests’ experience during their stay at your vacation rental

Whether you’ve already established your venture on Airbnb and VRBO, or are beginning to enter the industry in unique destinations, like the beautiful shores of Virginia Beach or the charming community of Katy, Texas, our guide will equip you with distinct strategies to unlock your property’s true potential. Ready to transform your vacation rental into an enchanting sanctuary where guests revel in unforgettable moments and glowing reviews naturally follow?

Luxury Apartment With Private Pool

1. Become an informed and successful host in the travel and hospitality industry

Heather Bayer from Vacation Rental Formula states, “The moment you exchange your accommodation for money, you have entered the travel, tourism, and hospitality industry. It is not a passive business. Gain comprehensive knowledge through continuous learning: engage in networking, read industry-related materials, listen to informative podcasts, attend conferences, and enroll in relevant courses. Being the best-educated host on the block will be the key to your success.”

2. Set the stage for a memorable stay in the first 10 minutes

“The first 10 minutes of your guests’ stay is pivotal to their overall experience,” says Heather. “Ensure entry is easy, the temperature is right, it looks just like the photos, it smells fresh, the Wi-Fi code is prominently displayed, and there is a welcome message.” 

3. Leverage the pre-stay period by sharing your local knowledge and expertise

“Don’t leave your guests wandering in tumbleweed time,” says Heather. “This is the period between booking and the stay when travelers are eagerly anticipating their vacation, yet most hosts and managers ignore this opportunity to share their local knowledge and expertise. Share your best recommendations for restaurants, tours, activities, and events way before your guests arrive. They will be able to plan and make reservations and avoid the disappointment of finding the things they want to do are sold out.

Woman packing suitcase for summer trip, including face masks and travel-sized antibacterial hand gels

4. Make a direct booking website for your vacation rental

“Savvy owners and managers are creating content-rich websites that serve as a showcase for their location,” shares Heather. “They no longer rely on the big platforms to deliver their guests – instead, guests are being encouraged to book directly for the best value and experience.”

6. Control the guest experience by owning the entire rental stack

“In our experience, the key to maintaining a five-star rental property lies in a balanced blend of hospitality, high-quality amenities, and efficient communication. Our motto is ‘Strive not just to meet, but exceed guest expectations,’” says Murat Gocmen from MG Vacation Rentals.

“Owning the entire stack, from the cleaning company to the hot tub cleaning and snow plowing businesses, is a cornerstone of our vacation rental management strategy. It allows us to ensure an exceptional level of service and quality that’s consistent across all aspects of a guest’s experience. 

Our hot tub cleaning company makes sure that this popular amenity is always in top condition, while our snow plowing company ensures clear and safe access to the property regardless of the weather, and our in-house professional cleaning service is employed after each stay to ensure a thoroughly cleaned and comfortable experience for the next guest.

By controlling these critical services, we have the ability to directly address any potential issues swiftly, maintain high standards, and uphold our promise of a pristine environment for every guest.”

MG Vacation Rentals property in a mountainous area with a cabin like feel

In Courtesy of MG Vacation Rentals – North Lake Tahoe Vacation Rental Management Company

7. Address guest’s needs promptly

“Our most successful strategy for ensuring guest satisfaction and positive reviews has always been proactive communication,” insists Murat. “We believe in the power of listening to our guests’ needs and promptly addressing any concerns. This creates a trust-based relationship that often results in repeat bookings and glowing reviews.” 

8. Personalize your amenities

“We’ve found that offering personalized amenities, like local coffee or guidebooks for local attractions, adds a special touch that enhances the guest experience. These thoughtful extras show guests that we care about their stay and are invested in making it memorable,” recommends Murat.

9. Provide feedback-driven improvements

“The main focus of creating a five-star rental experience lies in continuous improvement based on valuable guest feedback. While meticulous upkeep and personalized service are crucial, understanding guests’ unspoken needs and consistently enhancing your property based on their input is key,” shares Lotus West Properties. 

“By prioritizing immaculate cleanliness and providing amenities that offer a true ‘home-away-from-home’ experience, you establish a strong foundation for guest satisfaction. Moreover, incorporating a personal touch, maintaining open communication, and actively implementing improvements based on feedback become the pillars of a rewarding and unforgettable rental experience for your guests.”

10. Deliver impeccable cleanliness

“As a frequent traveler and hospitality industry professional, I leverage specific elements to create a wow factor that ensures an exceptional experience for my guests. Anyone can provide basic accommodation, but to maintain a five-star experience, I always want to ensure immaculate cleanliness,” says  ResortCleaning. “Guests should have peace of mind that your rental is cleaned to the highest standards.”

Shot of a couple relaxing in the chairs at a balcony

11. Shift your focus from ratings to guest care and unique experiences

“My first advice is to stop pursuing five-star ratings. It makes you one-dimensional. Instead, make it clear that your top priority is to genuinely welcome and care for your guests,” insists founding member Alan Colley of Host2Host and co-owner of Summit Prairie. “Caring is the secret sauce of superior hosts. Do your honest best to ‘sell the sizzle’ that makes your place one where a guest feels comfortable and enthusiastic about telling others why they chose you.”

12. Build a top-notch management team for the unexpected

“In my opinion, to maintain a five-star rental managed by a property management team, it is essential to uphold the highest cleaning standards, incorporate pre-checks between cleaning crews and guest check-ins, hire experienced reservationists for top-notch guest communication, and ensure the amenities are delivered as advertised,” recommends Reservation Specialists. 

“Setting accurate expectations is critical. In case of unexpected circumstances, maintaining upbeat and positive communication is essential, along with providing alternative options if advertised amenities are unavailable.” 

13. Have a single, dedicated point of contact for guests that can streamline communication between all channels

“The key to maintaining a five-star rental property goes well beyond mere upkeep and starts with having a dedicated point of contact for seamless communication,” suggests Jim Lagan from Home Realty LLC. “From there, having a mindset for meticulous maintenance, an unwavering focus on cleanliness, and a commitment to providing swift resolutions is what creates an exceptional experience for every guest or resident.” 

14. Creating unforgettable stays goes beyond cleanliness with thoughtful details

“When it comes to running a five-star rental, it’s the details that make the difference. Immaculate cleanliness, combined with thoughtful touches like curated amenities, crafts an unforgettable guest experience,” explains Soda Stays. “It’s more than just maintaining high cleaning standards. It’s about putting your heart and soul into creating an environment where guests don’t just stay, they feel valued and appreciated. This unwavering dedication not only ensures an exceptional stay but also engraves an unforgettable experience.” 

Modern patio next to swimming pool

15. Manage your guest’s expectations

“I’ve managed everything from mansions in Malibu to cabins in the woods, but the best thing you can do for five-star ratings is manage guest expectations,” recommends Jeff Iloulian, CEO of HostGPO. “You should take great photos and your place should look like the photos. Is there anything guests should know about your place? Send them a message to let them know in advance. Share the amenities you provide in your listing so guests know what will be there for their stay.” 

16. Provide the guests with a guidebook and all essential information about their stay

“I’ve found that answering all guests’ questions before they even have a chance to ask them through the use of a digital guidebook such as Touchstay, is essential,” says Avery Carl from The Short Term Shop. “Many guests are traveling in the evening to an area they are unfamiliar with, and having a resource prior to arrival that provides them with all the necessary information, such as the nearest grocery store and the type of coffee maker in the rental, can really take the stress off of guests after a long day of travel.”

17. The importance of high-quality products in vacation rental properties

“High-quality and durable products are crucial in a vacation rental property as they enhance the guest experience and reduce operational hassles. By providing reliable appliances, comfortable and well-kept furniture, and durable fixtures, vacation rental owners can ensure guest satisfaction, receive positive reviews, and minimize the need for frequent repairs or replacements,” insists Minoan Experience. “This not only leads to repeat bookings but also contributes to the long-term success and profitability of the vacation rental property.”

18. Positively set the ground rules 

“One of the biggest keys to keeping any rental – as in not getting banned – is ensuring your guests behave respectfully in your community,” says Alexa Nota, Co-Founder and COO of Rent Responsibly. “Frame your house rules positively but clearly before guests arrive so they know what to expect. For example, for noise hours, you can say, ‘We love our neighbors and our neighborhood, so we kindly ask all guests to honor local quiet hours of 10 AM to 7 AM.’

Another tip is to offer an alternative. If you can’t accommodate many cars, for example, recommend a great parking area nearby so guests don’t park where it disrupts nearby homes.”

Personalized welcome note from a host given to a renter

19. Quick tips for managing your vacation rental listing 

Lifty Life provides a straightforward list of tips and tricks with managing rental vacation properties “to enhance the guest experience and satisfaction”:

  • Clear and accurate property descriptions: Provide detailed and accurate information about your vacation rental in your listings. Highlight the unique features, amenities, and any restrictions or limitations. Use high-quality photos that showcase the property’s best aspects.
  • Transparent communication: Be transparent about your rental policies, pricing, and any additional fees. Clear communication helps build trust and ensures guests have the necessary information before booking.
  • Thoughtful welcome pack: Create a welcome pack or basket that includes small but meaningful items such as bottled water, snacks, local maps, and guides. You can also leave a handwritten note to greet guests upon arrival. These small gestures make guests feel welcomed and appreciated.
  • Guest feedback and reviews: Encourage guests to leave feedback and reviews after their stay. Positive reviews can attract more guests, while constructive feedback helps you identify areas for improvement. Respond to reviews promptly and professionally, addressing any concerns or issues raised.
  • Flexibility and personalization: Whenever possible, try to accommodate special requests or preferences from your guests. This could include flexible check-in/check-out times, arranging transportation, or offering additional services like grocery shopping before their arrival. Personalized touches can leave a lasting impression.
  • 24/7 support: Provide a reliable point of contact for guests in case of emergencies or any issues that may arise during their stay. Make sure they have access to a phone number or email address they can use to reach you at any time.

20. Invest in your vacation rental

“The number one trick to keeping your property rated as a five-star rental is understanding that, as owners, we must be willing to invest each year in the upkeep and maintenance of our properties,” suggests Norman Block from Block & Associates Realty. “Everyone who buys a car knows and expects that they will spend money annually to maintain the vehicle and protect their investment in that car. Yet, when it comes to rental homes, I am always amazed that landlords are reluctant to do the same. 

Every property owner should expect to spend somewhere around a fourth to a half percent of the property value annually for repairs, fix-ups, and improvements. Real estate properties are most people’s biggest assets and these properties often carry our largest debts.”

family walking outdoors at beach house

Source: redfin.com

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If you were ever to become disabled or suffer a chronic illness or age-related debility that requires you to pay for help feeding and dressing yourself or similar assistance for an extended period, long-term care insurance could be a valuable thing to have. This insurance pays for services regular health insurance doesn’t cover, including assistance with activities of daily living at home or in an assisted living center or nursing home. Timing is an important consideration when it comes to buying long-term care insurance. If you’re thinking about long-term care insurance, consider talking it over with a financial advisor.

Long-Term Care Insurance Basics

Long-term care insurance can help you pay the costs of receiving extended care in nursing homes and assisted living facilities, as well as in-home assistance with activities of daily living such as bathing and getting dressed. These are costs that health insurance, including Medicare, typically does not cover. Another government health plan, Medicaid, can pay for these services. However, only people with limited financial means can generally qualify for Medicaid.

Long-term care insurance works similarly to other types of insurance. That is, in exchange for paying a premium, usually monthly, the policy will pay providers for the care they deliver or, alternatively, reimburse you for your out-of-pocket costs. However, long-term care insurance has special features that distinguish it from some other types of insurance.

For instance, unlike auto insurance, which is mandatory in most states, long-term care insurance is entirely voluntary and most people do not purchase it. Also, it’s less likely to be provided as a benefit by employers than health and life insurance coverage. Finally, timing is a bigger factor with long-term care insurance. When you buy it is a major consideration. Here’s how to factor timing into the decision.

Do You Need Long-Term Care Insurance?

The cost of long-term care can be daunting. According to LongTermCare.gov, the price of a semi-private room in a nursing home averages $6,844 per month or $82,128 per year. However, that doesn’t mean everybody needs long-term care.

People who have significant assets that they want to protect from having to expend for long-term care are more likely to benefit from long-term care insurance than someone who has a small net worth. Also, good candidates for long-term care insurance generally will have a good income so they can pay the premiums. Gender can also be a factor since women who need long-term care typically need it longer than men.

When to Buy Long-Term Care Insurance

Buying long-term care insurance isn’t cut and dry for everyone and there are a number of things that you need to consider. Chief among these considerations might be the timing of when you buy. If you think you want to buy long-term care insurance, here are considerations on timing:

  • Coverage is permanent: Once you acquire a policy, you are covered for life as long as you keep paying the premiums. Your coverage can’t be canceled except for non-payment or if you voluntarily relinquish the policy.
  • Premiums are expensive: The average premium for a 55-year-old man with $165,000 in immediate coverage in 2022 was $2,220 per year, according to the American Association for Long-Term Care Insurance (AALTCI).
  • Premiums are likely to go up: While your insurer can’t hike your personal premium because you get older or have a claim, it is not uncommon for premiums for groups of policyholders to go up periodically and, sometimes, steeply.
  • Health matters: If you are in less than good health when you apply, your initial premium will be higher than if you buy a policy when you are healthy. For that reason, it’s often better to buy long-term care insurance before your health starts to fail.
  • Age matters: If you are older when you buy long-term care, even if still healthy, you’ll pay more than if you bought at a younger age.
  • You have to qualify to even get coverage: If you are seriously ill or already need long-term care when you move to buy a policy, you may be rejected. Again, the time to buy it is before you need it.

These considerations combine to complicate the decision of when to buy long-term care coverage. For instance, if you buy insurance at a younger age, many years before you are likely to need it, you’ll be paying expensive premiums for many years. And it’s a good idea to keep in mind the fact that, according to the AALTCI, only about half of people who buy long-term care insurance ever use it. The rest have paid their premiums for no tangible financial benefit.

Add it up and the most common time when people buy long-term care insurance is between ages 55 and 65. In many buyers’ estimation, this is the sweet spot between having to pay higher premiums if they wait to purchase and having to pay lower premiums for a longer time if they purchase sooner.

The Bottom Line

Timing is an important consideration when deciding whether or not to buy long-term care insurance. Most purchasers acquire coverage when they are aged 55-65. Waiting longer risks having to pay higher premiums because of advancing age or declining health. Buying sooner means having to pay premiums for a longer period of time before the coverage is likely to be of value. Individual circumstances, such as family health history, personal assets and income also may be important factors in deciding when or even whether to buy long-term care insurance.

Tips for Buying Insurance

  • A financial advisor can help you decide how and whether long-term care insurance fits into your overall financial plan. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • If you are considering buying life insurance, you are probably wondering how much coverage to get. SmartAsset’s life insurance calculator can give you an answer based on your location, age, income and other factors.

Photo credit: ©iStock.com/tuan_azizi, ©iStock.com/JLco – Julia Amaral, ©iStock.com/Sunan Wongsa-nga

Mark Henricks
Mark Henricks has reported on personal finance, investing, retirement, entrepreneurship and other topics for more than 30 years. His freelance byline has appeared on CNBC.com and in The Wall Street Journal, The New York Times, The Washington Post, Kiplinger’s Personal Finance and other leading publications. Mark has written books including, “Not Just A Living: The Complete Guide to Creating a Business That Gives You A Life.” His favorite reporting is the kind that helps ordinary people increase their personal wealth and life satisfaction. A graduate of the University of Texas journalism program, he lives in Austin, Texas. In his spare time he enjoys reading, volunteering, performing in an acoustic music duo, whitewater kayaking, wilderness backpacking and competing in triathlons.

Source: smartasset.com

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Are you looking to add some style to your home decor? Look no further than area rugs. We have researched and tested many beautiful area rugs, and we are excited to share our top 10 picks with you.

Area rugs have become increasingly popular in recent years, and for good reason. Not only do they add a pop of color and texture to your floors, but they also help to define a space and make it feel more cozy and inviting. With so many options out there, however, it can be overwhelming to choose the perfect rug for your home.

That’s where we come in. Our team of experts has evaluated a variety of rugs based on essential criteria such as quality, durability, and style. We’ve also taken into consideration customer reviews to ensure that our top picks are both beautiful and practical. Whether you’re looking for something modern and geometric or more traditional and floral, we’ve got you covered.

With these tips in mind, get ready to be inspired by our top 10 beautiful area rugs. Scroll down to see our ranking and find the perfect rug for your home.

Our Top Picks

Luxe Weavers Grey Area Rug.

Luxe Weavers Grey Area Rug is a perfect addition to any home decor. Made with high-quality materials, this rug is both durable and comfortable. The grey color scheme of this rug makes it a versatile choice for any room, and it is available in a 5×7 size that is perfect for smaller spaces.

This rug is perfect for use in a living room, bedroom, or entryway. It is soft to the touch, making it comfortable to walk on, sit on, or lay on. The high-quality materials used in its construction ensure that it will last for years to come, making it a great investment for any home.

The Luxe Weavers Grey Area Rug is also easy to clean, making it a great choice for families with children or pets. It is resistant to stains and spills, so it is a great choice for high-traffic areas. Overall, this rug is a great choice for anyone who wants to add comfort, style, and durability to their home decor.

Soft and plush

Stylish design

Durable construction

Non-slip backing

May shed initially

May have a chemical smell

May show footprints and stains

The LUXE WEAVERS Grey Area Rug is a budget-friendly option that adds a stylish touch to any room. Its soft pile and durable construction make it a great choice for high-traffic areas.

Modway Border Outdoor Rug

The Modway Border Outdoor Patio Dining Table is a great addition to any outdoor space. This table is made from a durable powder-coated aluminum frame and features a slatted wood tabletop. The modern design is both stylish and functional, with a spacious surface area that can accommodate up to four people.

One of the best features of this dining table is its versatility. It can be used for a variety of outdoor activities, from dining to playing games or working on projects. The table is also easy to clean and maintain, making it a great choice for busy families.

Another benefit of the Modway Border Outdoor Patio Dining Table is its durability. The aluminum frame is rust-resistant and weather-resistant, so it can withstand the elements and last for years to come. Additionally, the slatted wood tabletop is treated to resist water damage, ensuring that it stays looking great even after extended use.

Overall, the Modway Border Outdoor Patio Dining Table is an excellent choice for anyone looking for a high-quality outdoor dining table. Its modern design, versatility, and durability make it a great investment for any outdoor space. Whether you’re hosting a dinner party or just enjoying a casual meal with family and friends, this dining table is sure to impress.

Stylish design

Weather-resistant material

Easy to clean

Comfortable seating

Limited color options

May require assembly

Not ideal for large groups

The Modway border rug is a great outdoor option with a durable construction and easy-to-clean surface. It’s perfect for adding a pop of color to any patio or deck.

Modway Perplex Black Beige Area Rug.

The Modway Perplex Geometric Area Rug is a stunning piece that adds style and sophistication to any room. Made from 100% polypropylene, this rug is durable and easy to clean, making it a great choice for high-traffic areas. The black and beige geometric pattern is eye-catching and modern, making it perfect for contemporary homes.

This rug is incredibly versatile and can be used in a variety of rooms, including living rooms, bedrooms, and even dining rooms. It comes in two sizes, 5’x8′ and 8’x10′, so you can choose the size that best fits your space. The rug is also lightweight, making it easy to move and place wherever you need it.

One of the best things about the Modway Perplex Geometric Area Rug is its ability to tie a room together. The black and beige pattern is subtle enough to not overpower the room, but bold enough to make a statement. It’s perfect for adding a touch of elegance to any space.

Overall, the Modway Perplex Geometric Area Rug is a fantastic choice for anyone looking to add a stylish and modern touch to their home. Its durability, versatility, and stunning design make it a must-have for any design-savvy homeowner.

Comfortable

Affordable

Easy to assemble

Not very durable

May require additional cushioning

Limited color options

Modway Perplex Accent Chair is a stylish addition to your home decor with its unique design and comfortable seating. It’s perfect for any modern living room, bedroom, or office space.

PAGISOFE Carpets Bedroom Nursery Playroom

PAGISOFE Carpets for Bedroom Nursery Playroom is a must-have product for anyone looking for a comfortable and stylish rug. The plush texture and softness of the rug make it perfect for bedrooms, nurseries, and playrooms.

The PAGISOFE Carpets come in a variety of colors and sizes to fit any room in your home. The rug is made of high-quality, non-toxic materials that are safe for children and pets. It is also easy to clean and maintain, making it a practical choice for busy households.

One of the most common uses of the PAGISOFE Carpets is for children’s bedrooms and playrooms. The soft and cozy texture of the rug makes it perfect for children to play on, and the variety of colors available means it can match any decor. The rug also provides a safe and comfortable space for babies to crawl and play.

Overall, the PAGISOFE Carpets for Bedroom Nursery Playroom is an excellent product for anyone looking for a comfortable and stylish rug. Its non-toxic materials, easy maintenance, and variety of colors and sizes make it a practical and versatile choice for any home. Whether you’re looking for a cozy space for your children to play or a soft and stylish rug for your bedroom, the PAGISOFE Carpets are definitely worth considering.

Soft and fluffy

Stain-resistant

Non-slip bottom

Affordable price

Not very thick

May shed initially

Limited color options

The PAGISOFE Carpets are soft and comfortable with a non-slip bottom. Great for bedrooms, nurseries, and playrooms. Available in different sizes and colors.

Nourison Essentials Solid Contemporary Ivory

The Nourison Essentials Solid Contemporary Ivory Area Rug is a must-have for anyone looking to add a touch of elegance to their home décor. This rug is perfect for any room in the house, from the living room to the bedroom. Made from high-quality materials, this rug is soft to the touch and durable enough to withstand heavy foot traffic.

The ivory color of this rug gives it a timeless and sophisticated look that will complement any design style. The contemporary design features a simple yet stylish pattern that adds a touch of texture to the rug. Whether you have a modern or traditional home, this rug will fit right in.

Measuring at 5’3″ x 7’3″, this rug is the perfect size for any room. It is easy to clean and maintain, making it a great choice for busy households. The rug is also lightweight and easy to move around, making it perfect for those who like to rearrange their furniture frequently.

Overall, the Nourison Essentials Solid Contemporary Ivory Area Rug is a great investment for anyone looking to add a touch of style and sophistication to their home. It is a versatile and durable piece that will last for years to come. So, whether you’re looking to update your living room or bedroom, this rug is sure to impress.

Soft and comfortable

Minimal shedding

Easy to clean

Affordable

Limited color options

May require rug pad

This is a high-quality, contemporary ivory rug that is perfect for any room in your home. It is soft, durable, and easy to clean.

Nourison Indoor Outdoor Multicolor.

The Nourison Indoor/Outdoor Multicolor Area Rug is a stunning addition to any living space. With its vibrant colors and intricate patterns, this rug is sure to catch the eye of anyone who enters the room. Made from durable polypropylene, it is perfect for high-traffic areas and can be used both indoors and outdoors.

The rug comes in a variety of sizes to fit any room in your home, from a small entryway to a large living room. Its low pile height makes it easy to clean and maintain, and its fade-resistant materials ensure it will look great for years to come.

Not only is this rug beautiful, it is also functional. Its non-slip backing keeps it securely in place, providing a safe surface for children and pets to play on. It is also easy to roll up and store, making it a great option for seasonal use.

Overall, the Nourison Indoor/Outdoor Multicolor Area Rug is a fantastic choice for anyone looking to add some color and style to their living space. With its durability, functionality, and eye-catching design, it is sure to be a favorite for years to come.

Vibrant colors

Durable material

Easy to clean

Suitable for indoor/outdoor use

Tends to curl at edges

Colors may fade over time

Durable and vibrant indoor/outdoor rug with a variety of colors and patterns. Easy to clean and maintain.

TABAYON Tie-Dyed Anti-Skid Rug

The TABAYON Tie-Dyed Upgrade Anti-Skid Rectangular Area Rug is a stylish and functional addition to any home. Made from high-quality materials, this rug is durable and will withstand daily wear and tear. Its unique tie-dyed pattern adds a pop of color and personality to any room.

One of the most common uses of this product is as an area rug in living rooms and bedrooms. The rectangular shape is versatile and can fit into a variety of spaces. The anti-skid backing ensures that the rug stays in place, even on hardwood or tile floors. Additionally, the rug is easy to clean and maintain, making it a practical choice for high-traffic areas.

Measuring 4 feet by 5.3 feet, the TABAYON Tie-Dyed Upgrade Anti-Skid Rectangular Area Rug is the perfect size for most rooms. It is lightweight and easy to move, making rearranging furniture a breeze. The rug is made from soft and comfortable materials, adding an extra layer of comfort to your home.

Overall, the TABAYON Tie-Dyed Upgrade Anti-Skid Rectangular Area Rug is a great investment for anyone looking to add style and functionality to their home. Its durability, practicality, and unique design make it a top choice for homeowners and renters alike.

Attractive tie-dyed design

Upgrade anti-skid bottom

Soft and comfortable material

Easy to clean

Not suitable for outdoor use

May have a chemical smell

Limited color options

The TABAYON Tie-Dyed Upgrade Anti-Skid Rectangular Rug is a stylish and practical addition to any room. Its non-slip bottom and easy-to-clean design make it perfect for high-traffic areas.

Ophanie Fluffy Non-Slip Rug

The Ophanie Fluffy Non-Slip Area Rug is a fantastic addition to any home looking for a cozy and stylish touch. Made with high-quality faux fur, this rug provides a soft and comfortable feel underfoot while also being durable and easy to clean. The non-slip bottom ensures that the rug stays in place, providing added safety for you and your family.

This rug is perfect for a variety of uses, whether you want to add a touch of luxury to your bedroom or create a comfortable play area for your children in the nursery. The size options available make it easy to find the perfect fit for any room in your home. The neutral color options also make it easy to coordinate with any existing decor.

One of the standout features of this rug is its ability to hold up to daily wear and tear. Its high-quality materials and construction ensure that it will look great for years to come. Plus, its easy-to-clean surface makes it a great choice for families with pets or children.

Overall, the Ophanie Fluffy Non-Slip Area Rug is a great investment for anyone looking for a cozy and stylish addition to their home. Its durability and ease of maintenance make it a practical choice, while its soft and luxurious feel make it a comfortable and inviting addition to any room.

Soft and fluffy

Non-slip bottom

Machine washable

Versatile usage

Thin pile height

May shed initially

Color not as pictured

The Ophanie Fluffy Non-Slip Area Rug is soft, stylish, and durable. Perfect for adding comfort and texture to any room in your home.

Shaggy Rug for Bedroom and Livingroom

The Shaggy Rug is a must-have for anyone looking to add a touch of cozy luxury to their home decor. This beautifully crafted rug is made of high-quality materials that are both soft and durable. The shaggy texture adds a layer of warmth and comfort to any room, making it a perfect addition to your bedroom, living room, or nursery.

This rug is available in a variety of sizes and colors, giving you the flexibility to choose the perfect fit for your space. The neutral colors make it easy to match with any decor style, while the soft texture adds an extra layer of comfort to your living space.

The Shaggy Rug is also easy to clean, making it a practical choice for any busy household. The high-quality materials are designed to withstand wear and tear, ensuring that this rug will last for years to come.

Whether you’re looking to add a cozy touch to your bedroom, create a comfortable space for your little one, or simply add a touch of luxury to your living room, the Shaggy Rug is the perfect choice. With its soft texture, durable construction, and stylish design, it’s sure to become a favorite in your home.

Soft and shaggy texture

Versatile use in any room

Easy to clean and maintain

Comes in different colors

May shed fibers

Not very thick

May need a rug pad

This shaggy rug is soft, cozy and perfect for adding texture to any room. The non-slip bottom ensures it stays in place. Available in multiple sizes and colors.

SAFAVIEH Medallion Distressed Rug.

The Safavieh Vintage Hamadan Collection is a beautiful and durable rug that adds a touch of elegance to any room. Made from high-quality materials, this rug is perfect for those who want to add a touch of sophistication to their home decor. Whether you’re looking for a rug to place in your living room, bedroom, or dining room, the Vintage Hamadan Collection is a great choice.

One of the best things about this rug is its durability. Made from a blend of polypropylene, jute, and polyester, it is designed to withstand heavy foot traffic and last for years to come. Additionally, the rug is easy to clean, making it a great choice for those with pets or children.

Another great feature of the Safavieh Vintage Hamadan Collection is its beautiful design. The rug features a stunning medallion pattern in a distressed finish, which gives it a timeless and elegant look. The colors are rich and vibrant, and the rug is sure to make a statement in any room.

Finally, the rug is available in a variety of sizes, making it easy to find the perfect fit for your space. Whether you need a small rug for a cozy corner or a large one to cover an entire room, the Vintage Hamadan Collection has you covered.

Overall, the Safavieh Vintage Hamadan Collection is a great choice for anyone looking for a durable and stylish rug. With its high-quality materials, beautiful design, and wide range of sizes, it is sure to be a great addition to any home.

Attractive design

Soft and plush

Durable construction

Non-shedding

May require frequent cleaning

Not suitable for high traffic areas

Beautiful, well-made rug with a vintage look. Non-shedding and easy to clean.

Buyers Guide

1. Size: Before purchasing an area rug, it’s essential to measure the space where you plan to put it. Make sure to measure the length and width of the area to determine what size rug you’ll need. A rug that’s too small will look out of place, while a rug that’s too big will overwhelm the room and make it look cluttered.

2. Style: Area rugs come in different styles and patterns, so choose one that matches the decor of the room. If you have a minimalist space, stick to a rug with solid colors or simple patterns. For a more eclectic room, you can choose a rug with bold patterns and bright colors.

3. Material: The material of the rug is also important. Some materials are more durable than others, while others are more comfortable to walk on. For high-traffic areas, choose a rug made of durable materials like wool or polypropylene. If you want something soft and cozy, go for a rug made of cotton or silk.

4. Maintenance: Consider how easy or difficult it will be to clean and maintain the rug. If you have pets or kids, choose a rug that’s easy to clean and won’t show stains easily. Some materials like wool may require professional cleaning, while others like synthetic fibers can be cleaned with a vacuum or spot cleaning.

5. Budget: Area rugs come in different price ranges, so determine your budget before making a purchase. Keep in mind that a high-quality rug will last longer and be a better investment in the long run. However, if you’re on a tight budget, you can still find affordable options that will suit your needs.

FAQ

Q: What are the three criteria for choosing the right area-rugs?

A: When selecting an area-rug, there are three essential factors to consider: size, style, and material.

Q: Why is size important when choosing an area-rug?

A: The size of the rug plays a crucial role in determining how it will look in a room. A rug that is too small can make the space feel disjointed, while one that is too large can overpower the room. The rug should be big enough to anchor the furniture, but not so big that it covers up too much of the flooring.

Q: What style of area-rug should I choose?

A: The style of the rug should complement the overall aesthetic of the room. If the room has a lot of patterns and textures, a solid-colored rug can help balance it out. Conversely, if the room is relatively neutral, a patterned or textured rug can add interest.

Q: What materials are best for area-rugs?

A: The material of the rug will determine how it feels underfoot, how it wears over time, and how it needs to be cared for. Wool is a popular choice for its durability and softness, while synthetic fibers like nylon and polyester are easy to clean and maintain. Natural fibers like jute and sisal add texture and a natural look to a room.

Q: What are some common uses for area-rugs?

A: Area-rugs can serve multiple purposes, from adding warmth and comfort to a room to defining a space or adding a pop of color. They can also be used to protect flooring from wear and tear or to cover up unsightly stains or damage. Ultimately, the best area-rug for your space will depend on your specific needs and preferences.

Conclusions

In conclusion, finding the perfect area rug for your home can seem like a daunting task, but with the right research and approach, it can be a fun and exciting experience. After reviewing the top area rugs on the market, we recommend the LUXE WEAVERS Grey as our top pick for its high-quality materials, beautiful design, and affordable price point. Our second recommendation goes to the Modway Perplex Black/Beige for its unique geometric pattern and durable construction.

When selecting an area rug, it’s important to consider the size, material, and style that will best fit your space and personal taste. Whether you’re looking for a cozy shag rug for your bedroom or a durable outdoor rug for your patio, there’s a perfect option out there for you. Don’t be afraid to mix and match styles and patterns to create a unique and personalized look.

We hope this review has been helpful in your search for the perfect area rug. Remember to take into account your specific needs and preferences, and don’t be afraid to do additional research and read customer reviews before making a final decision. Thank you for reading, and we’re confident you’ll find the perfect area rug to elevate your home decor.

Source: jpost.com

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paying with cardpaying with card

A credit card grace period is the time between the end of your billing cycle and your payment due date that allows you to pay your balance without incurring interest or penalties.

The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

What is a credit card grace period, and how does it affect you? Credit card grace periods are the time between when your billing cycle ends and when you’re required to make your credit card payment. During this time, you typically won’t be charged interest on your balance. This guide reviews what credit card grace periods are and how you can use them to limit your interest fees. 

How does a credit card grace period work? 

Credit card companies charge interest on balances that haven’t been paid in full. However, a grace period gives you extra time to pay off your balance before the interest will start accruing. If the balance is paid in full during the grace period, the credit card company usually won’t charge any interest fees.

When you get your credit card bill, you’re informed of what your balance is for that statement and given a due date for either making a minimum or partial payment or paying the entire balance in full. If you leave a balance by making a partial payment, your interest rate determines what your additional costs will be until you pay the rest. 

There are several things you should pay attention to when you receive your bill. 

  • The statement balance is what’s included on the current bill, which may exclude some transactions if you made them after the closing date. 
  • The closing date is the day the statement is generated, which means if you made purchases after the closing date, you don’t need to pay them off until the following due date. 
  • The minimum payment is what you’re required to pay before the due date to avoid late payment fees. 
  • The due date is when your payment is due, and this is usually at the end of your grace period. 
credit card grace period basics to knowcredit card grace period basics to know

How long is a typical credit card grace period? 

The grace period is normally 21 – 25 days after your closing date. This means credit card companies give customers three weeks to pay their bills after the statement closes before charging interest. You can find your card’s grace period in the terms and conditions section of your credit card agreement or by contacting your card provider.

Some credit card companies offer an introductory interest rate for balance transfers that can be as low as 0 percent APR, so you might not care about your grace period at first, but once the introductory period runs out, you’ll need to watch out for interest charges.

Not every credit card has an introductory rate for balance transfers, so if you transfer a balance, you might be paying interest on it right away. Pay attention to the fine print when you select a card so you aren’t taken by surprise.

What happens if you don’t pay the full amount due by the end of the grace period? 

If you don’t pay the full balance, you must pay interest on your balance after the date the payment was due. Once you’re being charged interest, your fees are based on your balance each day. If you were to make payments throughout the month to lower your balance, you could reduce the amount of interest you would be charged. 

Once you carry a balance of $0, you’re no longer charged interest for the days that your balance is paid off. However, you likely won’t get your grace period back until you’ve paid the entire balance for two consecutive months. For example, if in April you made only the minimum payment and then paid your entire balance in May, you wouldn’t get a new grace period until June.  

If you don’t pay your entire balance or you’re late making your minimum payment, it can impact your credit score. Late payments show up on your credit reports and generally have a negative impact on your score. Plus, carrying a balance increases your credit utilization. This figure reflects how much of your available credit you’re currently using, and if your utilization is above 30 percent, it could make you seem less creditworthy.  

Do all credit cards have a grace period? 

Credit card companies aren’t required to offer grace periods, so it’s a good idea to look into whether your credit card provider offers one. The good news is that most major credit cards do have grace periods. As previously mentioned, there may also be an extended grace period available for balance transfers. 

Even if a credit card has a grace period, it won’t apply to cash advances, so only take a cash advance if you’re willing to pay interest on what you take. A cash advance and getting cash back with cards that allow it on normal purchases aren’t the same thing. So, if you’re at the grocery store and get cash back, the amount you take is simply added to the transaction total.

What does the CARD Act say about grace periods? 

The Credit Card Accountability, Responsibility and Disclosure (CARD) Act was signed into law in 2009 and altered how credit card companies could charge fees and interest. It’s one of many consumer rights laws that have been passed to protect consumers. This law requires credit card companies to have specific policies regarding grace periods and interest rate changes. 

According to the CARD Act, if your credit card has a grace period, you must be given at least 21 days to pay your bill before the company can begin charging interest on your purchases. While grace periods differ slightly between credit card companies, three weeks is the minimum period. 

Maximize your credit card grace period  

If you plan your purchases correctly, you can stretch your grace period to up to 55 days. If you make a purchase one day after your statement closes, for example, it won’t show up on your current statement. The transaction shows up on your next statement instead, giving you an extra month before you’re required to pay interest on what you’ve bought.

Some savvy consumers plan larger purchases for a day or two after their statement closes to get almost two months to pay their bill interest-free. 

strategically using the grace periodstrategically using the grace period

If you’d like to line up your due dates with when you get paid, most credit card companies allow you to request a new billing cycle and due date. If you change the due date to a couple of days after you’re paid, it makes it much easier for you to pay the full balance each month.

If the credit card company agrees to change your due date, there might be a waiting period before you can request a change again.  

Protect your credit score 

While paying your credit card balance in full each month is a great way to build your credit, there may be errors on your credit reports that are costing you money. You should check your score at least once a year and see if there are negative marks on any of your reports that might keep you from getting a better interest rate on your next loan.  

If you’ve lost the grace period on your credit cards, interest fees can make it more difficult for you to manage your debt and keep your credit healthy. Our credit repair consultants can help by providing personalized credit advice and looking into whether the derogatory marks on your credit report are fair and accurate.  

Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.

Reviewed By

Vince R. Mayr

Supervising Attorney of Bankruptcies

Vince has considerable expertise in the field of bankruptcy law.

He has represented clients in more than 3,000 bankruptcy matters under chapters 7, 11, 12, and 13 of the U.S. Bankruptcy Code. Vince earned his Bachelor of Science Degree in Government from the University of Maryland. His Masters of Public Administration degree was earned from Golden Gate University School of Public Administration. His Juris Doctor was earned at Golden Gate University School of Law, San Francisco, California. Vince is licensed to practice law in Arizona, Nevada, and Colorado. He is located in the Phoenix office.

Source: lexingtonlaw.com

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Life insurance coverage is an essential financial tool.

The proceeds from these policies can often make the difference between loved ones dealing with long-term financial hardship or being able to move forward with paying off debts or paying their everyday living expenses in the case of the unexpected.

aflac life insurance company reviewWhen considering the best life insurance policy for you, it is important to determine the type and the amount of coverage that you require, as you don’t want those you care about to be underinsured.

An equally important part of the equation is the life insurance carrier from which you purchase your plan. Something to consider as well is whether your prospective insurance company provides key person insurance.

It is often overlooked or not considered when planning for the future, but it can be the difference between a business making it or not upon death or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. Take the time and see if it’s something you need to get for your business or firm.

You will want to be sure that the carrier is strong and stable from a financial standpoint. Another key criterion is that the carrier has a good reputation for paying out its claims. One company that meets these factors is Aflac.

The History of Aflac Life Insurance Company

Aflac (American Family Life Insurance Company) began offering insurance coverage to its customers more than 60 years ago. The coverage that this company is considered to be “voluntary” in that the policies can supplement other insurance coverage that an individual may already have.

The founders of Aflac are three brothers – John, Paul, and Bill Amos. In starting this company, the brothers saw a need for financial protection if a medical need occurs. Aflac had its beginning in Columbus, Georgia, and it started with just 16 employees and 60 sales agents.

In just the first year, Aflac had more than 6,400 policyholders and roughly $388,000 in total assets. Over time, the company grew and expanded its list of coverage offerings to its policyholders.

One way that the company grew exponentially was by offering its products to the workplace. Here, large numbers of employees of a company could sign up for protection at one time. As the company grew, it started to offer its products internationally, and in 1974, the products were offered in Japan. Within just one year of this occurrence, Aflac has written roughly $25 million in insurance premiums. During that same year, the company also started trading on the New York Stock Exchange.

The 1980s were a time of substantial growth for Aflac – and in 1982, the company had more than $1 billion in assets. In the decade of the 1990s, the company began its now-famous advertising campaign, which features the Aflac duck.

In the mid-1990s, the company also introduced a SmartApp. This allowed agents to issue insurance business electronically – which sped up the process a great deal and allowed customers to be covered much more quickly as well.

Due in large part to its innovative advertising strategy, 9 out of 10 people recognize the Aflac name and the brand. Ever since its beginning back in 1955, Aflac has put the customer first. It does so primarily by paying out its policyholder claims in a timely and efficient manner.

Today, Aflac – a Fortune 500 company – has more than 50 million policyholders. In addition to just offering protection products, Aflac is also involved in the communities in which it serves. For example, in 2011, the company contributed more than $1 million to the Red Cross for tsunami relief in Japan. And, in 2012, the company was rated as number 69 on Newsweek’s “Green Rankings” of the largest 500 companies. By the year 2013, Aflac had appeared on Fortune magazine’s list of the World’s Most Admired Companies for the 13th time.

The company continues to grow and prosper, due in large part to helping its customers protect against the loss of income and assets, as well as helping them to pay supplemental medical expenses. Aflac has a wide reach in terms of attracting potential customers. Its key distribution channels include individuals at the work site, in retail locations, and in their home. Presently, Aflac is the number one provider of voluntary insurance at the worksite in the U.S.

Aflac’s Insurer Ratings and Better Business Bureau Grade

Aflac has very high life insurance company ratings that are provided by the insurer rating agencies. These ratings are indicative of the company’s overall financial strength, as well as its timely benefit payout to the company’s policyholders. These ratings include the following:

  • A+ from A.M. Best
  • A+ from Standard and Poor’s
  • As3 from Moody’s

In addition, Aflac is also an accredited member of the Better Business Bureau (BBB). It has been a member of the BBB since January 1, 1958. Also, the company has been given a grade of A+ from the Better Business Bureau (on an overall grade scale of A+ to F).  This puts them on par with other top life insurance companies like Transamerica or Banner.

Throughout the past three years, Aflac has closed a total of 497 complaints through the BBB. Of these 497 complaints, 357 had to do with problems with the company’s products or services. Another 96 of these complaints were concerning billing or collections issues, 25 had to do with advertising or sales issues, 11 were about delivery issues, and eight were in regard to guarantee/warranty issues. There are also 20 customer reviews that have been posted on the Better Business Bureau’s website in regard to Aflac.

Life Insurance Products Offered by Aflac

Aflac offers several options for life insurance coverage. These include both term and permanent protection. With term life insurance, a policyholder is covered with death benefit protection only, without any type of cash value or savings build-up. Term life insurance is purchased for a certain period, or “term,” such as ten years, 15 years, 20 years, or even for 30 years, depending on the policy holder’s needs.

Permanent life insurance coverage offers both death benefit protection, as well as cash value, build up. With a permanent life insurance policy, the coverage can last throughout the policy holder’s life, provided that he premiums remain paid.

This type of life insurance protection will also allow tax-deferred growth of the funds that are inside of the cash value component. This means that there are no taxed due on the growth of these funds unless or until they are withdrawn.

A permanent life insurance policyholder may be able to borrow or to withdraw these funds for any reason at all – including the payoff of debt, the supplementing of retirement income, or the assurance that a child or a grandchild will be able to pay for their college expenses.

There are no medical questions to be answered on the Aflac life insurance policies. This means that even those individuals who may have certain health conditions can still qualify for life insurance coverage.

The plans offered by Aflac are also portable. This means that if an individual purchases a plan as a part of his or her employee benefits package if they leave the company, they may still take their life insurance coverage with them.

Aflac also offers juvenile life insurance coverage. With these plans, a child may be protected by providing insurability as an adult, as well as by providing them with a jump-start on the road to financial independence.

The company also offers AD&D coverage (accidental death). With the Aflac accidental death coverage, if the insured passes away due to injuries that are sustained from a covered accident, then an additional amount of proceeds will be paid out to his or her named beneficiary.

On the insurance plans that are offered through employers by Aflac, there is typically no direct cost to the company. Rather, employees can pay for their coverage via direct payment of the premiums through their weekly paychecks.

Aflac offers a life insurance calculator directly on their website. This can help an individual with determining just how much life insurance coverage they may require based on their specific situation.

Other Products Offered

In addition to just life insurance coverage, Aflac offers a wide range of other protection and supplemental products. These include the following:

  • Accident insurance – The accident insurance plan via Aflac offers cash benefits to help provide financial support during the various stages of accident care, as well as recovery. These proceeds may be used by the policyholder to help with paying for emergency treatment, or for treatment-related lodging and transportation.
  • Cancer insurance – The cancer insurance coverage that is offered via Aflac can help to provide a lump sum of proceeds that may be used for a wide variety of needs, such as treatment, living expenses, or uninsured medical procedures.
  • Critical illness insurance – Critical illness insurance protection can help to provide funds for helping with the cost of treatment of a covered illness. Having funds available can provide the peace of mind that may be required for helping an individual to recover.
  • Hospital intensive care insurance – Charges from a hospital stay can often be substantial – and in some cases, these may or may not be covered through a regular health insurance policy. With that in mind, a supplemental hospital insurance plan through Aflac can help. With Aflac, these funds can be made available very quickly, as the company has a one-day payment of claims.
  • Hospital indemnity insurance – With hospital indemnity insurance, policyholders can also be assured that uncovered expenses from their regular health insurance can be fully or partially taken care of.
  • Dental insurance – The dental insurance coverage that is offered through Aflac provides a wide variety of benefits, with no networks, deductibles, or pre-certification requirements to deal with. Just go through your local dentist and have your insurance information with you.
  • Vision insurance – Regular eye exams can do much more than just help with correcting one’s vision. These can also help to point out other health-related issues, such as high blood pressure or cholesterol, diabetes, or even a brain tumor. Having this coverage can be well worth the premium cost.

Also, Aflac also helps its client/employers with setting up benefits, such as through cafeteria plans. COBRA administration is also available through Aflac.

How to Get the Best Quotes on Life Insurance Coverage

When searching for life insurance coverage, it is important to work with an independent company that can help you in finding the very best rates. An independent company or agency will not be associated with just one single insurance carrier, but rather with multiple carriers. Because of this, you will be much better able to compare life insurance policies, benefits, and premium rates – and from there you can determine which of these will be the best for you and your specific needs.

If you are ready to begin the process of finding the best life insurance plan, then we can help you. We work with many of the top-rated life insurance carriers in the marketplace today, and we will assist you with obtaining all of the details that you require for making an informed purchase decision. We can do so for you very quickly, easily, and conveniently – all from your home computer, and without the need to meet in person with a life insurance agent. When you are ready to being, just fill out the quote form on the aide of this page.

We understand that the purchase of life insurance can be somewhat overwhelming. There are a number of variables that you need to be aware of, and you want to be sure that you are choosing the proper type and amount of insurance coverage.

The good news is that today, there are many options that are open to you. We will assist you with finding the one that best fits your specific coverage needs. So, contact us today – we’re here to help.

Source: goodfinancialcents.com