The Bureau of Labor Statistics reports that resignations rose steadily in 2011, with nearly 2 million American workers giving notice last September – the highest number since November 2008. Since we doubt that all those folks won the lottery, it’s probably a safe bet that many decided to start their own home-based businesses. In fact, people who track these things predict the home office market will add nearly 2 million new home-based businesses by 2015. If you’re planning to be your own boss, one of things you need to
understand is the impact of using your personal vehicle for business-related purposes. So, here are the auto insurance basics for home-based business owners.
One of the biggest mistakes home-based business owners make is assuming their personal car insurance will cover the use of their vehicle for business. That
An important rule for drivers is not to get behind the wheel when they have a lot on their mind or feel angry.
Apparently, being in control of a vehicle when you’re mulling over your problems or feel like punching something is not a good idea – it could end in you being involved in a crash.
So, how do you avoid feelings of worry and anger as a driver?
Well, I can’t help you with the worry – do some yoga or create your own Zen garden or something – but Ohio State University scientists have discovered a way of dealing with anger.
After conducting tests on a group of students, the research team found that counting to ten is one of the worst things you can do in an attempt to deal with rage.
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Now that the Dow is back up where people are feeling optimistic, or at least relieved to have regained some worth in their retirement accounts, its time to take a little preventive medicine to avoid that upset stomach the next time the bottom falls out. While I share that relief that some recovery has happened, and I can tell you that, and this is just me, I have no optimism at all about 14,000 just being a mile marker on the way to 16,000. The government has all but sealed the deal for our economy to stall and fall again and again.
So, while youre not feeling abandoned and battered consider something small to offset that next roller coaster dip. If it never comes, thats great. If it does you will at least be able to say you proactively planned for it. Each time the bottom has dropped out our financial world I have reminded people that an ounce of prevention really can feel like a pound of cure if you have investment term life insurance in force that is equal to about half of your nest egg.
New car insurance rates can vary dramatically. Have you ever wondered how to determine these rates? There are many factors you may want to consider before buying a car if you are worried about the price of insurance for new cars.
It’s the law that your vehicle is insured. For new car insurance, there are many factors that determine insurance premiums you pay. The type of car you drive is more important. How is your driving record and the number of choices on their insurance? A good way to get a better idea which broadens their premiums could be in is to understand what the car insurance group of your new car belongs. There are at least 20 different groups of auto insurance high performance cars in the top of the 20 groups.
These are the factors considered for new vehicles to define the group they belong to:
New car values
Price is important, especially for the cost of replacement and repair. <
Have you ever been tooted at because you’re wearing a pretty skirt?
I know that, depending on my mood, it either makes me smile or makes me grumble about sexism and so on.
From now on though, as well as smiling or grumbling, I’ll also be thinking about a set of statistics I read recently.
A poll of 2,142 motorists, conducted by a car insurance company, showed that 60% of male drivers and 12% of female drivers had become distracted by pedestrians during the summer.
Why during the summer? Well it’s the extra skin on show which does it apparently, and even models on billboards can cause some road users to take their eyes off the road.
This is worrying, because a large proportion of traffic accidents involve some type of distracted driving.
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Most people have a fuzzy notion of motor breakdown assistance. Your car stops (or won’t even start). Or maybe it’s a flat tyre; no petrol or you’ve locked your keys on the inside. You call a mechanic. The problem is fixed and off you go. So far, so good.
But what if your car can’t be fixed. What then? And how do you get to your destination?
With AXA motor rescue the answers are simple. If we can’t sort the problem on the spot, we’ll tow your car to your home (if it isn’t in the driveway already), a secure alternative or the nearest garage capable of fixing the problem. If needs be, we’ll get you and up to 4 passengers home or to your destination (whichever is nearest). If it’s the dead of night or transport isn’t readily available we’ll even pay toward one night’s accommodation. And cover applies 365 d
Another school year is coming to an end. That means graduation parties and summer vacation. Unfortunately, what should be happy times all too often turn tragic. Summer is the deadliest time of year for teen drivers and their passengers. According to a recently released study by AAA, an average of 422 teens die each month in traffic accidents during summer compared to an average of 363 teen deaths during non-summer months. Both figures are far too high and one of the primary reasons why you can’t find cheap car insurance for your teenager. Here are some summer safe driving tips to keep your kid safer on the road this summer and help lower car insurance rates for your teen driver.
The AAA Foundation for Traffic Safety claims that teen drivers are about 50% more likely to crash in the first month of driving on their own than after a full year of driving experience. Fai
I know what drives the reaction, the knee jerk response of applying to every insurance company who will accept an application. Its a desperation that grows out of a declined life insurance application and the idea that the more people you get your information in front of, the better the chance that you will find someone who sees it through your eyes. Multiple application syndrome. Ive talked often about how I shop cases to find the underwriter who will give my client the fairest hearing. When a proposed insured goes rogue and starts shotgunning applications all over the place, the intent is the same but the out come is almost always a lot different.
The most critical difference between me shopping a declined case and applications flying everywhere is the waste of time and money. I can get the underwriting opinion of 30 companies in 3 days and rule quotes in and out by several criteria.