Dear Readers: Renting a house or apartment? Renters insurance really should be considered. There is a lot to know about renters insurance, but here are some basic hints from the Insurance Information Institute (www. iii.org):
* Two different renters-insurance policies exist: One that pays the actual cash value of your belongings, with an amount taken off for depreciation (the lower value of older, used items), and replacement cost, which will pay for new items. The limit is the value of the policy.
* Renters insurance may cover items stolen out of your car that your auto insurance would not pay for.
* It can cover your living expenses if your apartment is damaged.
* It also can cover your liability (responsibility) toward damage to other people’s property.
* Renters insurance MIGHT NOT cover damage from flooding, tornadoes or earthquakes.
Check with your insurance company for specific information about renters insurance. It is a very good idea to have it. -- Heloise
Dear Heloise: My hint for you concerns whenever you cash a check or withdraw money from your account. As soon as the cashier hands you your money in an envelope, print your name and phone number on the envelope just in case you misplace or lose it. -- Joe D., Seward, Neb.
Hopefully, the finder will do the right thing! -- Heloise
Dear Heloise: I just read the suggestion about runners, walkers, etc., having an ID on them. One of my co-workers told me that she has a tag made at the pet store with the information needed. She then threads that through one of her running-shoe laces so she always has some form of ID when she is out running. -- Carol, via e-mail
Dear Heloise: I hate shredding my paper files, but I am not willing to put ID-vulnerable materials in my recycling bin.
My solution: I put a stack of papers into a plastic bag or large pot. I then totally submerge the paper in water. After a day or two, the paper is reduced to pulp. I wring it out thoroughly, and I put it on my compost pile, or, if the grandchildren are around, we make papier-mache. I also can use it to fill small cracks and crevices. -- B.L.B. in Houston
Dear Heloise: We were invited to a wedding. At the reception, all of the guests received favors with a “Thank You” stamped on candy.
We did not receive any thank-you note in the mail acknowledging our generous monetary wedding gift. There is no excuse for neglecting to properly thank everyone. -- A Reader, via e-mail
SHIRTING THE ISSUE
Dear Heloise: School kids often need smocks for art projects, etc. If you have old shirts to be donated, consider taking them to a school for the art teacher. The kids will appreciate it! -- Shelly in Indiana
Send a hint to