Blogs list

Joyce Small - MacLeod Lorway Insurance weekly blog

Accumulating isn't just a result of speculating - I recently decided to relocate back to Cape Breton.  After packing up my apartment, I have come to the realization that I have more personal belongings than I thought. It is amazing what has accumulated over the years. Why I thought I needed another pair of jeans when there are at least five other pairs in the closet I will never know, but it did get me to thinking what if something happened and I had to replace all my belongings or, even worse, what if I was accidentally responsible for causing a loss to my unit and/or the building? Accidents occur everyday to unsuspecting individuals and tenants need to protect their belongings and themselves.  The simplest form of protection is to purchase a tenant’s insurance policy. A common enough scenario is what could happen if I accidentally left a candle burning. The sofa catches fire, then the curtains, the walls and then the fire spreads through the shared wall into the apartment next-door and then out into the hallway.  In addition to the damage from the fire itself, there is also likely smoke and water damage to the other apartments in the building.  Then I started wondering, where would I live until my unit and building are safe to move back into? The landlord’s insurance company will investigate to determine what caused the fire.  Once it is determined that it was the unattended candle burning in my apartment that caused the fire, I will be held responsible.  The cost to clean up and repair…

Photo : Joyce Small February 19, 2015

Christopher Cameron - The Home Stretch

The most wonderful time of the year upon us - When Andy Williams sang the words “It’s the most wonderful time of the year” in reference to Christmas time I feel he was actually excited about September sports, but knew he could make more money in December. Well that’s an exaggeration, but when I think of this time of year that song comes to mind. The NFL opens their regular season on Thursday with the Ravens and Broncos with a full day of football on Sunday. Any sports fan should be in heaven with this alone, but it doesn’t stop there. MLB is in one of the most exciting months of the season. I know that 162 games can be a lot to stay focused on, but we’re in the playoff push now. Some argue that the playoffs are more exciting, but those are the teams that made it through and have all their attention on them. Obviously every regular season game matters and makes a difference at the end of the day, but with just 25 games remaining in the season (as of Tuesday afternoon) the Oakland A’s and Texas Rangers were tied for first in the American League West. For a regular season game in two to three weeks time to make or break their season and whether they make the post-season is more exciting to me than seeing the early part of the post-season at least. Not much tops the World Series, but those first rounds aren’t always all that exciting. Not to be left out there is also a big race…

Photo : Christopher  Cameron September 04, 2013