Peer-to-peer home rental

March 6, 2021

Understand the implications renting your home to strangers

Before you consider renting out your home, your guest room—or even your couch—first contact your insurance professional so you fully understand the financial risks and can take the proper precautions. Here’s some general information to jumpstart your insurance conversation.

If you are considering renting out your home, your guest room or even your couch your first step should be to contact your insurance professional. Peer-to-peer home sharing opportunities such as Airbnb can be a great way to bring in extra money and are increasingly popular; however, they can also leave you financially vulnerable. If your renter starts a fire and damages your property or is hurt while renting your home, will you be protected?

Peer-to-peer home rental

Peer-to-peer home sharing opportunities such as Airbnb are increasingly popular and can be a great way to bring in extra money. However, they can also leave you financially vulnerable. If your renter starts a fire and damages your property or is hurt while renting your home, will you be protected?

Standard homeowners and renters insurance policies are designed for personal risks, not commercial risks. Some insurers now offer a home-sharing liability insurance policy that can be purchased on a month-to-month basis, but there may be exclusions and limitations, so read the policy carefully. If you plan to rent out all or part of your home on a regular basis, many companies will consider this a business use and you may need to purchase a business policy—specifically either a hotel or a bed-and-breakfast policy.

If you are doing the renting

If you are the one using a peer-to-peer network to rent a space from someone else, check your own homeowners or renters insurance policy. In most cases, if your personal possessions are stolen or damaged off-premises, you can simply file a claim with your own insurer. And if you accidentally injure someone, you should also be financially protected.

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Occasional home rental

There may be times when a major event in an area—the Super Bowl, say, or a graduation at a major university—depletes local hotel space. In these cases, it’s fairly common for people to rent out their home or part of it for the extra cash it brings in.

Many insurance companies take this situation into account when creating a homeowners or renters policy and, with sufficient advance notice, will extend your coverage to the renter on a one-time basis. Other insurance companies may require the purchase of an endorsement to the policy to provide broader coverage for the renters in your home.

In both cases, be sure to let your insurance company know ahead of time, so you can be prepared.

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The Importance of Water Filtration

Science says that a person can go without food for three weeks, but with water, most of us can’t go without it for 3-4 days! Dehydration starts, and even while still breathing, we can become dizzy, and the nervous system can go into shock. Water is the most important to the human body. We cannot live without it. However, it’s unfortunate that billions of people worldwide have no access to clean potable water. We can effortlessly get clean water by using water filters. AquaBliss Shower Filter and Countertop water filters are some of the best filters for making clean water. Facts if you ignore clean water: In developing countries with infrastructure and leisure, having clean water at home is as ordinary as breathing fresh air. While this may be the case for most citizens in developing nations, it is not the case for the rest of the world. There are so many countries that have no access to pure, consumable water and sanitation. Importance of clean water: “At home, clean water, health, and sanitation should not only be a right for those who are affluent and live in urban centers,” according to Dr. Tedros Adhanom Ghebreyesus, Director-General of WHO (World Health Organization). It is one of the fundamental public health standards, and all nations must ensure that everyone has access to them. Facilitates nourishment: Water is energy. Water is life. The quicker governments acknowledge this fact; the faster water will be made accessible to everyone. Our most vital nutrient source is water. Sixty percent of the human body is made up of water, which demonstrates water’s natural value. Humans must be well hydrated for their bodily processes to function optimally. Water also helps preserve tissue health and stimulates blood circulation by transporting oxygen and nutrients into every cell. Disease prevention: Did you know that unclean water gives rise to many diseases? Fatal diseases, such as cholera, typhoid, and hepatitis A, all arise due to the absorption of polluted water. Imagine all of the dangers people are exposed to, being left with no alternative to the water from rivers and polluted areas such as nearby mines. Clean water is essential for keeping us healthy and safe from infections & disease. To help extract toxins: Clean, nutritious, and healthy water also helps protect the body from all forms of contaminants – whether generated by immune reactions, ingested from natural sources, or by polluted water intake. Enhanced services for sanitation: Clean water is not only required for drinking but also sanitation. When washing clothing or bathing in unclean water, pathogens can emerge. The same happens when cooking and related activities that make up our lives. Clean water is a necessity for good health. Importance of having water filters: We all know that access to safe, fresh water is vital to our health and well-being. The majority of water filtres eliminate toxic chemicals and bacteria, which could otherwise contribute to illness and disease if consumed. Filtered water has many other advantages, including improved flavor, and is less expensive and environmentally-friendly than bottled water. The need for water filtration has never been higher, considering the high risk associated with unclean water. We are already under threat with our natural resources, like deforestation, climate change, and an ever-growing population. Unfortunately, tap water can be hazardous, too, since pollutants can affect the overall water quality, rendering it unsafe for human consumption. Also, sourcing from different water bodies can be more unstable by human waste, chemicals, and microbiological impurities. The simple act of boiling water is enough to kill most germs and bacteria to ensure drinking it is safe. However, man-made pollutants such as pesticides and other toxins cannot be removed unless boiled for longer than twenty minutes. Therefore, it is worth considering water filtration and additional cleaning options to safeguard yourself from unclean drinking water in your home. Water filters kill bacteria and toxic compounds, avoiding infection and poor health.
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How Strength Training Can Help You With Combat Sports Performance?

Many athletes and martial artists refrain themselves from strength and weight training because of some myths they believe. While many schools and trainers themselves are helping, students understand its importance, but it is not enough. One of the major beliefs is that strength training means gaining more muscles. Which in return will lead them to be less flexible and slow. But in reality the results are opposite, you don’t have to gain too much muscle with strength training. Thus, it won’t affect your speed. But getting buffed up with huge muscles is what affects the performance. So don’t be shy of the weight training anymore and before you get in your GIs go for it. Get men’s and women’s BJJ GI’s martial arts, apparel and gear from Elite Sports, because it’s good. Strength training equals too much muscle In combat sports, martial arts, and sports, the practice of reducing weight is common among athletes. This is because they believe that adding muscle to the body will affect its motion, and they will exceed the limit of their specific weight class. Another popular belief is that strength training will cause gaining too much muscle and affect their speed and strength. With strength and weight training you can get bulky but it is optional. Athletes and martial artists can use it only to improve performance. And it won’t affect your speed, endurance, and flexibility at all. It will reduce my flexibility For an athlete, being flexible is passive and it won’t matter if they can or cannot stretch into a certain position. What matters more is if they can perform with their full range of motion without and with the resistance added. The good news is that you can train the body to perform to the full range of motion with resistance training and optimize your performance. Strength training won’t improve performance Many athletes believe that doing strength training will not improve their performance at all. Because the movements in strength training are not what they do in sports. So, why do it at all. As an athlete or martial artist, your body has to be strong. If it is stronger than the opponent, you would be at clear advantage. Strength training makes your body and muscles strong so you can perform better. Injury risk is high Strength training will actually help you avoid injuries. In any sport or martial arts certain muscles of our body are working over and over. This continuous intense stress can cause injury or otherwise cause a body imbalance which will reduce your performance and end in injury either way. With strength training the muscles are made stronger. Thus, they can withstand repetitive and intense stress on them. Which results in continuous better performance throughout the game. The most important part, you save yourself from injuries. Hence, the risk of injury is higher without strength training. What should you do? First and foremost, you should definitely do strength training. But do not forget training for your specific sports and skills. Keep the strength training simple and in check. More is not always better, in fact, excess volume of training can cause issues or even injuries. Make sure you are doing things right and your form is exactly how it should be. Most importantly do not fear it and start from the beginning. Take help from a professional if you have to. Do not try to replicate movements from the sports. Instead, choose the movements that will help you in your specific sports or martial art form. Remember our goal is to make ourselves strong and prevent injuries in strength, training and otherwise. If you end up getting yourself injured, it won’t be any good. To make yourself strong and prevent injuries take control of the weights, go full range of motion, keep your form proper, lift the weights you can, get a spotter if you need one, and listen to your body. Conclusion Every martial artist, combat athlete and sports players can benefit from strength and conditioning training. You have to find the right program for yourself, make sure everything is good and keep on going. Some people get results quicker than others while others take more time but then you will get a strong body at the end. Getting help from a professional trainer is better because they can help you tailor the program according to your needs. Keep on with the training and your performance will definitely improve. Do not forget to keep your diet and rest periods on point.
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5 best wildlife safari destinations in Uganda

A safari in Uganda never leaves a traveler out of choice, there is a place to visit and something to enjoy for everyone. A visit to the 10 National Parks in Uganda offers amazingly unforgettable wildlife safari experiences but there is a lot more than visiting the pristine parks. The weather, unique landscape, culture, etc make Uganda an exceptional destination not only in Africa but even in the whole world at large. If you plan to visit Uganda soon, here are the 5 best wildlife safari destinations you should consider a must-visit Murchison Falls National Park Tanzania has Serengeti national park and Uganda has Murchison falls national park. Of the 10 National Parks in Uganda, Murchison Falls National Park is the largest national park occupying over 384 0sq kms of land area. Murchison Falls National Park is Uganda’s only National Park sitting in the Northwest and a home to 4 of the Africa’s big five game. This park takes its name from Murchison Falls, the strongest waterfalls in the whole world and this can be witnessed squeezing itself into a narrow gorge of 7m. One of the main highlights is a boat trip to the bottom of the falls coupled with a hike to the top of the falls. While on safari in Murchison Falls National Park, the most important species of wildlife to look out for include the cape buffaloes, elephants, lions, leopards, antelope families, hippos, crocodiles, Rothschild giraffes, warthogs, primates, close to 451 bird species among several other wildlife species. There are many ways to explore Murchison Falls NP including game drives, launch/boat cruise, birding, hiking, chimpanzee tracking, sport fishing, and nature walks. Kibale Forest National Park Kibale Forest National Park is most popular as the primate capital of the world. The home to 13 species of primates; Kibale Forest National Park sits on the western side of Uganda, Kabarole district, and occupies 79 5sq kms of the land area largely a tropical rainforest park. Over 1500 chimpanzees living in Kibale National Park plus several olive baboons, colobus monkeys, red colobus monkeys, red tailed monkeys, l’hoest monkeys, pottos, bush babies, 375 bird species, butterflies, reptiles, and flora. Most people have known Kibale Forest national park for Chimpanzee tracking but beyond chimpanzee tracking, the park offers chimpanzee habituation, night nature walks, birding among several other activities. The chimpanzee permits go for $200 while chimpanzee habituation permits go for $250. Rwenzori Mountains National Park In Africa, a few places do offer exhilarating mountaineering adventure experiences. Common to the ears of many are the Kilimanjaro Mountains and Mount Kenya. But besides these popular names; the Rwenzori Mountains is a major exhilarating mountaineering icon that is often overlooked on this shortlist. Rwenzori Mountains National Park is a home to one of the highest mountains ‘Rwenzori Mountains’. Lying in the western side of Uganda, Rwenzori Mountains National Park is best visited for mountaineering experiences and the main area of interest is conquering the Margherita peak 5109m. A complete trek to Margherita peak takes from 8-9 days but comes with lots of breathtaking views from magical glaciers to lakes and surrounding areas. Queen Elizabeth National Park Queen Elizabeth National Park is one of Uganda’s most famous wildlife safari parks sitting on the western side of the country. It is also the second biggest park in Uganda occupying 1978 sq kms of land area and largely comprised of lush woodlands, savanna grassland, forests, wetlands, and swamps. The park protects a diversity of mammals, birds, and reptile species. Only in Queen Elizabeth National Park is the tracking of the tree climbing lions possible in Uganda. The tree-climbing lions made Ishasha sector their permanent dwelling making it a must visit during your Uganda safari. Besides, the park protects the cape buffaloes, 620 bird species, elephants, leopards, lions, antelopes, warthogs, hippos, crocodiles, primates such as chimpanzees, baboons, colobus monkeys, l’hoest monkeys. At Queen Elizabeth National Park, visitors have so much to explore experience, and enjoy. Visit this pristine savanna park and enjoy the best of game drive, boat cruise, birding, nature/forest walks, and above all the spell bounding waterfalls. Bwindi Impenetrable National Park Bwindi Impenetrable National Park is one of the best wildlife safari destinations worth visiting for a holiday. Ranked the most beautiful place in Africa by CNN Travel, the tropical forest Perched in extreme Southwestern Uganda is home to 10 species of primates including over 459 mountain gorillas. Bwindi Impenetrable National Park covers only 331 sq km of the land area featuring largely an impenetrable forest that houses 120 mammal species, 360 bird species, and 220 species of butterflies. The top activities to expect and not to miss engaging in while at Bwindi include gorilla trekking, birding, hiking/forest walks, gorilla habituation experience, and the Batwa cultural experience. Gorilla trekking; the once-in-a-lifetime adventure offers a glimpse into the everyday life of the endangered mountain gorillas. However much the nature walks can grant you encounters with Forest Buffaloes, Forest Elephants, chimpanzees among several other wildlife species, gorilla trekking remains an exceptional activity in this national park. The above five parks are just a few of the amazing destinations where you can see wildlife in Uganda.
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Unnatural Selection – 5 Fascinating Facts from the History of Genetic Engineering

Genetic engineering gets a bad rap, with people regularly taking to the streets to protest the evils of GMOs. However, if these same protesters have a faithful dog waiting for them at home or even a fruit bowl full of bananas, they are unwittingly enjoying the benefits of genetic engineering. To shine a light on this controversial field, we’ve taken a deep dive into its history to bring you five of the most fascinating GMO facts. From the creation of pugs to the discovery of a2 milk, get set to be surprised at the reach of genetic engineering. 1. Genetic engineering is an ancient human tradition Though many people think of genetic engineering as something only done in modern labs, humans have been genetically modifying plants and animals for millennia. We started with selective breeding and crossbreeding, which is how we got pugs from wolves (a job that, understandably, took around 30,000 years). These practices persisted for most of the history of genetic engineering. The practice of lab-based genetic modification had its genesis in the 1950s with the discovery of the double helix DNA structure and the synthesis of DNA in a test tube. 2. Not all anomalies are GMOs In the modern era, it’s easy to assume any unusual variant is the result of genetic engineering. An interesting example of this is a2 milk, which comes from cows that only produce the a2 milk protein and not the a1 protein. As it turns out, this is a modification made 100% by nature. DNA testing is used to identify cows that have this unique milk production feature, and producers of a2 milk operate only with these animals. 3. The first lab-based GMO was a strain of bacteria While the groundwork for modern genetic engineering was laid in the 1950s, the first genetically engineered organism wasn’t created until 1973, when Herbert Boyer and Stanley Cohen were able to splice a gene from one strain of bacteria into another. The gene in question gave the bacterial recipient antibiotic resistance. Why they wanted to make a strain of bacteria antibiotic-resistant is a question you’d have to ask Boyer and Cohen. 4. Many scientists are as concerned about GMOs as protesters After Boyer and Cohen’s strange but successful experiment, other researchers quickly moved on to animal studies, and interest in the emerging field skyrocketed. By the mid-70s, scientists the world over were beginning to express concerns about the potential ramifications for humans and the ecosystem. The Asilomar Conference was held in 1975 to address these concerns and create a framework for how research could proceed. Guidelines were established but designed to be flexible, allowing for new discoveries in genetic engineering to influence their strictness or laxity. While genetic engineering shows no signs of slowing down, and there are plenty of demonstrable benefits, the ethical and ecological concerns persist – in the scientific community as much as among the general public. 5. Genetic engineering helps treat and cure many ailments Diabetics who need to inject insulin are reliant on GMOs. To obtain natural insulin, you’d need to take it from the pancreas of pigs or cattle. In addition to the obvious ethical concerns, insulin sourced from animals can cause adverse reactions in patients. GM insulin, by contrast, is ethically obtained from modified bacteria, and it is less likely to trigger adverse reactions. Genetic engineering is also being used to develop better treatments and preventative measures for everything from Alzheimer’s to cystic fibrosis. Though ethical concerns remain, there’s no denying the benefits of this ancient tradition.
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Mexico City goes yellow on coronavirus risk map

Mexico City goes to medium-risk yellow on the coronavirus stoplight system on Monday, bringing 12 weeks of high-risk orange light restrictions to an end. For the first time since the federal government’s coronavirus stoplight system was introduced last June, Mexico City will switch to medium-risk yellow as case numbers and hospitalizations continue to fall. City official Eduardo Clark announced Friday that the risk level will be lowered on Monday, bringing 12 consecutive weeks of high-risk orange light restrictions to an end. Prior to February 15, when the capital switched to orange, red-light maximum-risk restrictions had been in place for eight weeks. For the first time since the beginning of the pandemic, Mexico City has seen sustained improvements in the different indicators used to determine the stoplight color, said Clark, who is the director of the government’s Digital Agency for Public Innovation. He said that 16.5% of hospital beds set aside for coronavirus patients are currently occupied, the lowest level in over a year. There are 1,404 Covid-19 patients in hospitals in Mexico City, 277 fewer than last Friday. Estimated active coronavirus cases in the capital have also declined from more than 8,000 a week ago to 6,419. However, even with the decline, Mexico City — the country’s coronavirus epicenter since the beginning of the pandemic — still has far more active cases than the other 31 states, according to Health Ministry estimates. The only other states with more than 1,000 estimated active cases are México state and Tabasco with 1,558 and 1,085, respectively. Nevertheless, restrictions will be eased in Mexico City due to the downgrade in the official risk level. Stores and movie theaters will be permitted to increase their capacity to 40% of normal levels starting Monday, and restricted opening hours will no longer apply to banks. Hotels will be able to host events with attendance of up to 50% of normal levels, and restaurants will be allowed to add extra tables in outdoor dining areas. Starting next Wednesday, open-air sporting events will be permitted, while indoor venues such as theaters will be allowed to open at up to 30% capacity from May 17. Children’s parties at party halls with up to 50 guests will be allowed starting May 27 as long as the risk level in Mexico City doesn’t increase, and public expos will be permitted as of the same date with attendance capped at 30% of normal levels. The shift to yellow will bring Mexico City in line with the majority of Mexico’s states. On the map currently in force, 20 states are yellow, six are orange and six are low-risk green. The federal Health Ministry will present an updated map at Friday night’s coronavirus press briefing. The national coronavirus situation has also improved considerably in recent weeks: the number of new cases reported in April was 30% lower than March while Covid-19 deaths were down 22%. Mexico’s accumulated case tally rose to almost 2.36 million on Thursday with 2,846 new cases reported. The official Covid-19 death toll increased by 166 to 218,173. However, a new analysis by the Institute for Health Metrics and Evaluation at the University of Washington School of Medicine puts Mexico’s real death toll at over 600,000. Meanwhile, Mexico’s national Covid-19 vaccination program continues to make progress in inoculating the adult population, with the first doses given to people aged 50–59 this week. A total of about 20.5 million doses had been administered by Thursday night, including more than 1 million in Mexico City. Most of the doses have gone to people aged 60 and over and frontline health workers. Mexico had received 26.6 million doses of five different vaccines, meaning that about three-quarters of those delivered had been used by late Thursday. Source: MexicoNewsDaily.com
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Peer-to-peer home rental

Understand the implications renting your home to strangers

Peer-to-peer home rental

Occasional home rental

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