The Friday Five 6.21.19
Take better photos this summer with tips from the world’s best Instagrammers
Family vacations are in full swing and of course the phones are cameras are out to capture every moment. Be we challenge you to take those photos a step further and actually make a plan to print and frame them – which means you’d better capture some great shots. Here’s a list of ways to make travel photos better, according to some of the world’s most followed Instagrammers. Our favorites include using the Grid setting on the camera to get a good alignment (this making sure buildings look straight) and tapping different parts of the photo to see how the exposure changes before you take the picture.
We also like the tips on taking photos after sunrise or in the last hour of daylight in this great article on photographing light.
Insurance company trick of the week – They will try to convince you there isn’t much insurance coverage
Insurance adjusters are banking on you not asking a lot of questions and that you will take their word for it. So if an adjuster tells you that there is only “a little” coverage as an explanation why his offer is so low, chances are he is hoping you’re not going to ask for the exact policy limit amounts. The adjuster also may not disclose the fact that there are additional policies which do actually have a lot of coverage, like an umbrella policy that is often worth tens of thousands of dollars. In Texas, the adjuster is not required to let us know the policy limits and, sometimes, the only way to really find out about the existing policy coverages is to file a lawsuit.
Brilliant cleaning tips from a tidy 9-year-old
This little girl really has cleaning down! This article of cleaning tips by the author’s “tween” daughter lists common-sense suggestions that are perfect to explain to other kids, like making sure that every item has a designated place and not breaking the cleaning rules established by the family
Hospital Liens – Do I have to pay back the hospital even though the accident wasn’t my fault?
Texas Property Code Section 55.002(a) states that:
A hospital has a lien on a cause of action or claim of an individual who receives hospital services for injuries caused by an accident that is attributed to the negligence of another person. For the lien to attach, the individual must be admitted to a hospital not later than 72 hours after the accident.
This lien is automatically granted to such qualifying hospitals and it “attaches” to any monies you receive because of the injuries caused by the negligence of another and for which you sought such medical treatment. In simple terms, this means that when it comes time for you to receive your check, you may have no choice but to pay the hospital their outstanding bill.
There are instances when the lien can be reduced or even waived, but it can be difficult to do alone. We help all of our clients understand their lines and put as much money in their pockets as possible.
A fantastic list of 44 books everyone should read in their lifetime
Whether you are looking for a great read for the beach or want to encourage your older kids to keep up on summer reading, this list of 44 books every person should read in their lifetime has something for everyone. Memoirs, classics, fiction, historical pieces, and newer titles – it’s all here. In addition to the titles (“To Kill a Mockingbird” is, of course, a great one) and the authors (can’t go wrong with Toni Morrison), the article includes a brief synopsis and links to where you buy the books.