From the moment the baby appears, it grows up so rapidly that it soon requires children’s shoes. Therefore, the question of how to choose the right children’s shoes is very important. After all, the health of the baby depends on what products parents buy. There are many nuances that you will have to face when choosing footwear. So, let’s discuss them together.
Why It Is Important to Choose the Shoes Correctly
It is necessary to choose the right size of toddler boy shoes, to distinguish high-quality material from low-quality, to understand whether it is comfortable for your child to wear a particular pair on his feet.
Parents need to remember that children’s footwear should not affect the anatomically correct formation of the baby’s feet, so footwear should be of high quality, made from safe and non-toxic materials, and meet the strictest orthopedic requirements. Besides, they should please both you and your baby in design.
When a certain pair has already been chosen, there are several moments to pay attention to:
- Suitable instep: pay attention to the instep or fullness of the foot. Shoes in no case can be very narrow, as blood circulation can be damaged. Moreover, if it is a winter pair, then in such footwear the child can catch a cold. Make sure that the feet get the required support.
- Fullness: footwear that fits well in terms of fullness will be effortlessly put on. Today, almost all manufacturers produce shoes of different fullness within the same size: wide, medium, and narrow.
- Space: Try to choose shoes that leave a small space between the toes and the end of the shoes (about 1.5 cm). This applies to both winter and summer shoes. In summer, the leg will swell due to the heat and, accordingly, will increase in size. In winter, this “extra” space will allow you to put on denser and warmer socks, without bringing discomfort to the baby.
- Insole: If you are choosing a closed pair, pay special attention to the insole. It should be removable, well absorb moisture, and remain wash-resistant.
- Heel: Many experts are unanimous in the opinion that children’s shoes should have a small heel since it does not allow the child to fall back and actively participates in the formation of the correct gait.
Finally, shoes should be made of breathable and natural material. This is very important since the children’s legs often sweat. However, walking with wet feet is both unpleasant and uncomfortable, and extremely dangerous to health. Pay attention to the flexibility of the material — this will provide additional comfort, as well as improve air circulation and allow excess moisture to evaporate. Good luck!
Motor Claims Settlement
Damages or Claims
When we search for auto insurance many times, we focus only on finding an affordable policy. We compare multiple quotes trying to obtain instant auto insurance with no down payment. However, there are many equally important things that we must take into account as well.
Any accident may result in the death or injury to the third parties. The claim is decided based on various factors, including the age, occupation, gender, and income of the person injured or dead. The Court usually awards the damages. The damages are the money recoverable by the victim from the party responsible for death or injury. The damages can be categorized into the following,
- General damages
- Specific damages
- Punitive damages
General damages flow naturally from the party responsible for the wrongful action. The value of general damages cannot be measured financially. It is the compensations sought for the pain and suffering, mental agony, loss of healthy life, loss of opportunity, and leading a low-quality life. The award for these damages is generally on a case-by-case basis; hence it will be difficult to benchmark these losses. These are usually occurring in third party personal injury claims.
These are usually measurable financially. These damages can be documented and are easy to assess. In case of hospitalization, it is easy to know the cost of treatment. The loss is based on the treatment cost. Whereas in case of damage to the bumper, the bumper’s cost is known, and the cost of replacing the bumper is also known. Hence the insured will be in a position to submit the claim with the necessary vouchers and bill to claim the award. A vast majority of motor claims come under the specific damage claims.
Punitive damages are financial compensation awarded to an injured party. It is over and above the average compensation, and the purpose is to punish the party at fault. Almost all insurance policies do not cover these types of damages. Covering punitive damages under the insurance policy will encourage people to become more reckless and commit gross misconduct. Hence the insured is left uninsured as far as the punitive damage cover is concerned. The insured has to pay the cost of punitive damage to the concerned authority or the third party.
Motor Insurance Claims process
Each insurance company has its own system of processing the claims. The following threads are included in the general process performed by insurance companies regarding claims:
- Receipt of claim notice from the insured
- Claim registration
- Building rapport with the customer
Receipt of claim notice from the insured
As soon as it receives the claim notification from the insured, the insurance company has to respond to the insured as per the regulatory requirement or as per their internal standards. On receipt of the claim intimation, the insurance company will make the necessary checks on the validity of the claim, the payment of premium, adequacy of the coverage, the validity of the policy, insurable interest, and estimate of the loss, etc. Once the claim is found to be in order, the insurance company will proceed to the next step.
The insurance company will register the claim. During the claim’s registration process, a claim reference number is allotted, and it is used as an identity for the claim. A docket is prepared, and the provision is made for the claim amount based on the estimate provided or evaluated. The claim docket will contain all the information related to the claim, such as:
- policy number
- period of insurance
- insured name
- registration number of the vehicle
- date of intimation
- date of the accident
- third party claimants
The loss reserve is allocated based on the estimated amount claimed, legal fees, and even the legal advisor’s name. All the papers pertaining to the claim are filed in the docket. Generally, at the time of registration, a close estimate of the claim is taken not to have a significant deviation at the claim’s final assessment and settlement. The claim estimate is used to make a provision under the claims.
Building rapport with the customer
One of the functions of the claims department is to build a relationship with the customer, especially in excellent and Direct Auto Insurance companies. The claims department representative will contact the insured and guide him in completing the claim lodged formalities.
The claims representative may invite the insured to the office to meet or visit the insured to formalize the claim and seek the requirements. The claims representative should understand that the insured has suffered a loss and not in a good state of mind and should express empathy while dealing with the claimant.
Migration Between Emails: Is It Always a Solution?
Much of our online life is connected with email. It is needed for almost all activities on the Internet: tickets, receipts, and passwords are sent there. Too much personal data is stored in your inbox, from which one can create a dossier of your interests, travels, and social connections. Phishing attacks that are launched via email and can compromise the entire corporate network are dangerous for businesses. The risks for individuals are different, but they are no less serious. Therefore, if you are not satisfied with your mailing service, perhaps it is time to change it.
How to Migrate from One Email Service to Another?
Whatever the reason for your decision is, there are two possible ways to transfer all your data from one service to another, i.e., manual and automated.
As you may guess, the first approach is used by people who have at least a common understanding of how the email works. If you are not sure that you can perform this task without data loss, use the advanced email converter to do it for you.
Is It Always a Solution?
If you are a Gmail user, you may be outraged that Google uses some of the information from your mailbox in its other services. For example, data from air tickets are automatically added to the calendar, and a map of the booked hotel location is loaded into your phone. These tools are useful and can save you time, but few people will like that email data is used for other purposes.
Another question is how secure your email is and whether it is good enough for your needs. For many people, the protection level of Gmail, Outlook, or Yahoo is more than enough. The account can be further secured using two-factor authentication, which includes security keys.
Another option is to use a completely different service that puts privacy first and uses end-to-end encryption wherever possible. This is especially useful if you plan to send some sensitive data via email that should not be related to your identity.
Create a Temporary Email Account
Gmail and Outlook have billions of users because of their convenience. They are both free and provide access to a variety of services on their own cloud platforms. For these reasons, they cannot be completely abandoned, but there is also another option, i.e., a temporary email.
Accounts created for one-time use will help you avoid advertising and marketing spam. Increasingly, companies are starting to implement such account opportunities into their services to prevent competitors from collecting user data. This is primarily achieved by creating a one-time address from random numbers and letters that can be used to register with the service. If necessary, they can even forward correspondence to your permanent email. So, why not to separate your private and work emails?
5 Benefits of Digital Savings Account During COVID-19
Nothing has taught us the value of savings more than this global pandemic. People have lost jobs, their health is deteriorating, and most importantly, innumerable lives have been lost. In such critical times, savings are all we have got. Caught in the lockdown for several months, everything has gone online. From teaching to banking, people have adjusted to the digital phase in every sector. Digital banking is offering more advantages than ever to its consumers.
From opening a digital savings account to applying for loans, it has never been easier to interact with banks/financial institutions. If you are thinking to open a digital savings account, the online mode is your best bet. In conditions of social distancing and other norms, it is better to operate from your home and open digital savings account in just a few clicks.
We all know how much of a good habit saving money is in today’s times, when you never know what emergency may strike you next. That is why everyone needs to have a dedicated digital savings account as a corpus for emergency situations.
- Provides Security
When you open a digital savings account, your money is kept safe in the bank. As we all know, keeping a large amount of cash at home is risky. With a digital savings account, you do not need to worry about theft, misplacement, or overspending of your savings.
The main purpose of such an account is to encourage savings for long-term benefit. In case of emergencies, it also acts as great financial assistance; unlike a fixed deposit, the money in a savings account can be accessed whenever required. The money in a digital savings account is saved and kept aside as an emergency fund. Because it is online, you can access your funds instantly through your mobiles or laptops.
- Easy to Open
Banks have now made banking-on-the-go easy. It’s simple to open a digital savings account. Much more efficient than the offline mode, online banking is quick and convenient. You can instantly open digital savings account from the comfort of your home at any time. You can also browse through different financial institutions to find the best one online.
- Earning Interest
Most banks offer interest in digital savings accounts at a rate of 4%, while some also give the account holders an interest of up to 7%. Earning interest acts as a great incentive to encourage long term savings. The interest earned can also help add to your overall income.
- Value-Added Services
Many banks offer rewards and value-added services with a digital savings account. Benefits like cash backs, discounts, accident/medical insurance, entertainment discounts, etc. are offered as incentives. You can enquire about your chosen bank/financial institution about benefits like these and then select the best option. Online banking has a dedicated team of customer service 24X7 to any of your doubts and guides you through the processes.
Open a Digital Savings Account Today
We all are facing financial troubles lately due to the global Coronavirus outbreak. Realizing the importance of savings is crucial, especially during this time. Reputable banks like Axis Bank offer a range of savings accounts. You can digitally open a savings account and avail benefits like cash backs, dining discounts, accident insurance, and more.
You just need to follow four easy steps online:
- PAN and Aadhar verification
- Personal details
- Fund your account
- KYC verification via video call
So, for a stable financial position in all the tough times, open your digital savings account without any delay!