Guide to Insurance

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Kids Going To College

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Studentsown more expensive consumer goods per head than the rest of the population,which makes them a target for burglars and street thieves. Make sure your childdoes not become another crime statistic. Here are some useful tips to help keepyour child and their possessions safe while they are away at college.



 

Safeguard theirvaluables

It'sa good idea to get your child to mark all their expensive items before theyleave for college. Write their name, student ID number and name of theircollege on items such as laptops and mobile phones. Marked items are adeterrent for thieves as they are harder to shift than unmarked valuables. Keepa note of the make, model and serial numbers and keep them in a safe place.This will help the Police track any stolen goods.

 

Hall of residence

Ifyour child is staying in halls of residence, you need to take out additionalinsurance. Halls of residence do not include insurance cover for the contentsof study bedrooms. You can either add your child's possessions to your policy oryou can take out a separate one. Remember that if you add them to your homeinsurance policy, you must inform your insurer. Not all insurers cover sharedaccommodation.

 

Ifyou opt for a separate insurance policy and your child doesn't want to partwith their cash, get them to add up the cost of replacing all their valuables. Thatshould help change their mind.

 

Rentalaccommodation

Thesame cover applies forstudents staying in privately rented accommodation. You can either add them toyour home insurance policy, or take out a separate one. Unfortunately, somelandlords do not provide adequate security on their properties. If this is thecase, it could compromise your child's safety and invalidate your policy.

 

Makesure your child and their possessions are safe by getting involved when yourchild is house hunting. You can assess the property and neighbourhood yourselfand help put pressure on the landlord to sort out any issues before the termstarts.

 

Youcan look for properties through a university accommodation service. A number ofhigher education institutions run landlord accreditation schemes that screenproperties before they can advertise through the service. Accredited propertiesmust have reasonable security, a strong external door and effective locks onall doors and windows. Try to encourage your child to only look at propertiesthat are accredited by their university or college. For extra security, yourchild could install a timer switch to switch on lights even when they are out.

 

Street safety

Teachyour child to be safe on the streets and to avoid taking unnecessary risks. Remindthem not to walk home alone at night. Their safety is worth a lot more than thetaxi fare home after a night out.

Alsoteach them to be aware of what is happening around them when withdrawing moneyfrom a cashpoint and not to talk on their mobile phone on the street. If theyare distracted by the conversation they are having, they are not aware ofwhat's happening around them. It is better to be safe than sorry.

 

Preventionis always better than the cure but the reality is that crime is still a factorin today's society.
Kids Going To College
If you have a snoring problem, you might be wondering if it can be passed on to your children. Unfortunately, the answer is yes. According to research published in the journal "Chest" children with at least one parent who snored are 3 times more likely to snore themselves (compared to children whose parents did not snore).

Snoring can be a warning signal for an affliction known as Obstructive Sleep Apnea (OSA). OSA causes breathing to stop while sleeping, due to obstructed air passages.

Snoring is a sign of difficulty breathing, but it is breathing at least. OSA can cause the sufferer to stop breathing for periods of over 10 seconds while sleeping, which then causes them to wake up gasping and choking for air.

This isn't only a problem in the night either. OSA often leaves its victims with sore throats and headaches when they wake up in the morning. Lack of sleep due to OSA can lead to lack of concentration, bad behavior and general irritability.

If OSA goes untreated, it can lead to an increase in blood pressure, low oxygen levels in the blood and a greater chance of heart attack and stroke.

In the study done by "Chest", 681 children from Cincinnati Childrens Hospital medical center were studied. The research also found that African-American children were about three times more likely to snore than other races.

Plus, it was found that children who test positive for Atopy (an indicator of allergies and asthma) were twice as likely to snore as those who tested negative.

The benefits of the study include identification of children who snore so the doctors could more accurately determine those that were at a higher risk of sleep disorders. This would allow them to work with the parents to help minimize any long-term damage, at the early stages or even before the problem materialized.

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About Author
Both Brand & Thomas Wilson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Brand has sinced written about articles on various topics from Constipation Causes, Insurance and Auto Insurance. To ensure your child's possessions are properly insured, visit http://www.directline.com/home/welcome.htm.. Brand's top article generates over 110000 views. to your Favourites.

Thomas Wilson has sinced written about articles on various topics from Sleep Disorders, Dental Practice and Cellulite. Thomas Wilson writes about common symptoms, treatments and on the Snoring Solutions website. For more helpful informati. Thomas Wilson's top article generates over 4400 views. to your Favourites.
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