Why Renters Insurance is Important

Recent news of natural disasters has caused many people to have flood and homeowners insurance on their minds. The first time people usually consider insurance is health insurance or because the law requires us to have car or homeowners insurance. One type of insurance that is often skipped over is renters insurance. Renters insurance is not required by the law but is equally as important.Many landlords do not require you to have renters insurance, but it is necessary to have. Damage by wind to the rented property is obviously covered by the landlord, but what about you’re personal items inside that were also damaged in the storm? Along with covering the damages of your personal possessions renters insurance also provides temporary housing for you in the provisional period after your residence has been damaged. This insurance not only protects you and your belongings, it also covers liability or damage you may cause to others. For example if someone slips and is injured inside of you home, you are liable not your landlord.Everyone at one point or another will rent an apartment and most tenants do not have renters insurance. Most people are not even aware of the concept and therefore they never think of getting it. With that said it is still a very important thing to have and could potentially save you huge amounts of money with the multi-policy discount you would receive on other policies. If you are currently renting an apartment or house there is no better time then now to start your policy.

Home Office Furniture Components You May Need For Your New Home Office

Your home office is incredibly important. You may not even know quite how important it is actually. It is your home away from home, and your work away from work. When you are there it is all business, and it is where you get your most work done. Whether you are running your own business or doing work for your job, you need your office at home to be set up just right, and there are a few very important pieces of furniture that you will need in order to make your office complete.Home Office Desk: This one is extremely important, as it is where you will spend most of your time. There are many different types of desks, and they are made of many different materials. For instance you might like one that is made of oak, or you might want one that is made entirely of metal. The most popular type of desk these days is the wood desk, but beyond that you will need to determine what sort of desk you want.When it comes to desks you have so many different choices. The most important part is choosing how many drawers you need. Lots of storage space is best, and of course you need some measure of security. Most desks will actually feature at least one drawer that locks, but if you want, there are some desks that feature locks for the entire thing.File Cabinet: Those who have any sort of office know the extreme importance of having a good filing system. You need somewhere to keep your important documents, and you need to make sure that they are easy to find. Sure, you can store your documents electronically, but there is nothing like a good hard copy. Electronic data can be corrupted. Papers in a fireproof cabinet stand a better chance of surviving the apocalypse.Meeting Table: You won’t do everything at your desk. There will be times that you need to talk to a client, or you simply need more of a workspace. Luckily there are tons of work spaces available, and no matter what type of meeting table you need, it’s out there. You could have wood, metal, or glass, though most people will choose wood because it does not make a loud noise when you bang your knee on it, and won’t break when you trip over it.Bookshelf: There are plenty of different types of bookshelves out there, and your office simply will not be complete without one! There are bookshelves with doors, open bookshelves, and bookshelves made of all different types of materials.Home office furniture is not short in supply. You can purchase all types of it from several different manufacturers. Some of the most popular styles are Americus and Belvedere. Summit-Reed also is another good home office furniture series, so you can see that you are not alone when it comes to finding the best office furniture out there. No matter what it is you want, you will be able to find it. Make sure that you look for good home office furniture today so that you can make the most of your workspace.

Marriage and Family Counseling – A Shocking New Treatment That Gets Results

Since family is so important to most of us, many psychotherapists focus their practice on the family.This helps them treat depression and mental illness better — because mental problems are often connected to a person’s family situation. It is well known that when all the members of a family are involved in therapy, a person’s chances of positive change are better and everyone benefits.But the big obstacle for therapists has long been how to determine the
family interactions. The client is often the only one that shows up for
therapy. So the therapist must interpret family dynamics through the often distorted lens of the client. This slowed down progress in therapy and made it more difficult for the client to make a full recovery.Now, however, some therapists are using an almost shocking technique to overcome the difficulties of getting the whole family engaged.A shocking approach that gets resultsA brave, few pioneering marriage and family therapists go to their clients’ homes and stay there a couple of days as part of their family counseling services. These marriage and family therapists observe the family dynamics and their client’s real needs better. The client isn’t spilling the beans to the therapist. Instead, the true state of the client and his or her interactions with family members is right there for the therapist to observe.Here are a few ways in which family therapists can help by such in-home observations. And here’s why you might want to find a therapist who works this way.1. More help for parents of difficult childrenSometimes parents will feel their child needs professional counseling, but most counselors only get to work with the parents first. They try to find out the home situation and to teach them how trauma can affect the physical development of the brain. And how feelings of fear can make children uncontrollable and angry.In-home observation helps the therapists more than just working with the parents. These visits allow therapists to see how the parents interact with the children.The parents can still visit with the psychotherapist in his or her office, to talk about their own losses and pain first. Once the parents have talked things out, and the therapist has done in-home observation, the psychotherapy can progress. The parents can rapidly learn from the therapist’s observations. And the therapist can help the parents learn how to better respond to their children.The family situation improves, thanks to in-home observation.Some psychotherapists do in-home visits as a teamA family in Minneapolis invited a family-counseling team of a husband and wife to stay with them to help with what they felt was an attachment disorder in their adopted school-age son. This adopted child with attachment problems had been traumatized in a previous foster family.Even after a few months with this adoptive family, the child was not bonding with anyone. He avoided eye contact, even his adoptive mother. But when the husband and wife psychotherapy team visited the house, he was curious about them. At first, despite his curiosity, he stayed in the room as the counselors talked with his parents.Later he came out. He grew involved. He began to trust. And he willingly went to the psychotherapy attachment disorder office for regular counseling,Again, in-home observation created a time saving shortcut to better life for the entire family.2. Marriage counseling and improving communication in a relationshipMarriage and family counselors know that most couples seek help only when it is almost too late to save the relationship.In-home observations can help, even at a point when a couple has broken down and feels little hope in their future as a couple. So long as both partners want to continue their relationship, marriage counseling can help them create a stronger marriage.And in-home observation can help.One of the first things counselors do in this situation is check for domestic violence. Once they are sure that both partners are physically safe, they move on to improving communication skills and trust. Because they can view the interactions for themselves, they are able to help the couple make improvements that would often take many months, in only a small number of sessions.Sometimes having a husband-and-wife team of counselors who work together with client couple in-home speeds the process of reconciliation by allowing both partners to feel safe.This happened with one couple who had not talked with each other for a few months. After in-home observation and a few sessions in the office, the couple were talking about their hurts and listening to each other. It was a major step towards recovery and a happy future together.3. Healing from trauma using in-home observationPeople who suffer trauma, especially abuse by parents, relatives or siblings, often come alone for counseling.But family counselors can help even such people become more grounded and comfortable with their own selves, using in-home observation. The idea is to quickly ascertain the family dynamics. Then, the psychotherapist and the client can work together to help rid the person of their emotional baggage and help in their recovery.The counselor may several methods to help heal the trauma: breathing techniques, eye movement desensitization and reprocessing (a method of psychotherapy which uses eye movements to help a person mentally process and overcome past trauma), or the internal family systems model (an approach to counseling which uses the concept of sub-personalities or the multiplicity of the mind.)These are all assisted with the in-home observation as a shortcut to helping the person recover from their trauma. One young person, abused physically, verbally, and emotionally at her home, finally left her family for a foster family where she was again abused.As you can imagine, she was very traumatized. In fact, she attempted suicide several times before agreeing to enter therapy. A psychotherapist observed her in-home while she interacted normally with her foster family. The psychotherapist learned so much from this interaction and was able to quickly come up with a treatment plan.This trauma treatment plan was a turning point – the girl could correct the message of low self-worth she had gotten from the years of abuse. In fact, she not only recovered mentally — she went on to earn a master’s degree and become a compassionate and peaceful person. Once again, in home observation succeeded in making therapy effective. Thanks to in-home observation, many people with mental illness, depression or trauma suffering are able to get better.