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Health insurance system in Belgium?

Hello All, I am looking to relocate in Belgium and I have a question. Can anyone help me please: Is there a knee cartilage transplant surgery covered by the health insurance in Belgium, or I would need to pay it myself? How about an arthroscopy just to clean the joint of loose bodies? Many thanks!

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backlinkingggg · 2 years ago

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A Five-Step Checklist For Turning Your Home Into A Rental Property

These five stages can serve as an excellent place to start if you're thinking of leaving your home and turning it into an investment property rather than selling it:

1. Refinance in order to put down money for your next house

If you want to buy the next place you live in but lack the money for a down payment, you can look into a variety of options for tapping into the equity in your current house. Although there are many resources available on how to use the equity in your home, the following is the most crucial advice: If you are unfamiliar with the refinancing process, take the time to locate an impartial third party, such as a financial advisor, who will walk you through the procedure and put your interests first. Once you've determined which refinancing option is best for you, evaluate a few different lenders as well.

2. Everything that needs to be fixed

You probably won't be able to see everything that needs fixing in your house unless you are a really skilled builder. You can hire a home inspector to visit your home and create a report on what needs to be done for a few hundred dollars. The information can then be used to request bids from nearby contractors. This requires some upfront cash, but consider this: If you complete this work before tenants move in, not only will you prevent unforeseen maintenance requests from tenants, but you'll also probably be able to prevent some of the expensive maintenance that can develop when something breaks beyond repair.

3. Implement cosmetic changes

Renters don't want to get the impression that they've been transported back in time when they look at your apartment. Kitchens, in particular, can make or break a showing, I've discovered. Prior to renting out your house, think about replacing any outdated appliances. Consider investing in a refresh if your wallpaper, paint colour, or carpeting looks like it was installed in the 1990s or earlier. These kinds of renovations could be pricey, but keep in mind that renters will be prepared to pay more if they believe the property is of the highest calibre.

4. Pick an insurance company

Regular homeowners insurance will no longer be adequate if you rent out your house. Insurance for landlords is necessary. I've learned from my experience as a landlord that working with a local agent to obtain insurance is the best option since you receive a more individualised experience. Additionally, you'll probably get a better rate if you combine your insurance with the provider of your auto and home insurance.

5. Choose the Amount of Work You Will Outsource

Be ready to spend at least three hours each week, on average, on unforeseen maintenance, tenant requests, finances, rent collection, bigger projects, and other property management duties if you intend to manage the rental property alone. Make sure your tenants have a 24/7 emergency phone number they may call to reach you. Make sure the vendors you hire come highly recommended, have their interests aligned with yours, and won't nickel and dime you every time your tenants need the smallest service if you choose to outsource some of the work associated with being a landlord, whether it be your accounting, property maintenance, or finding tenants. Your margins will quickly disappear.

Once you've completed these five steps, you're prepared to go on to the following set of chores, such as choosing how much to charge for rent, selecting the best strategy for advertising your rental property to potential renters, and setting up a preventative maintenance schedule.

One of the few best-rated residential lettings and property managing agents I really like is RentMyHome

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letsimportanttreecollection-blog · 6 years ago

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What happens if I want Homeowners and Car insurance with the same company?

"What happens if I want Homeowners and Car insurance with the same company?

Say my car insurance is with Company C and expires October 31 and my homeowners insurance is with Company H and expires January 31. I saw somewhere that if I have both insurances with the same Company then I save money. How do I line up the two insurance renewal dates so that I do not waste the money I paid for homeowners insurance between October 31 and January 31?

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