Insurance Info

Let’s go over the most important factors that will bring your rates down the most. * Drive a Vehicle that’s Cheap to Insure While this might seem like common sense to you, surprisingly many people spend days and weeks shopping for the right car, without ever considering the cost of coverage. Stay away from vehicles that are sporty with powerful V8 engines. This means Corvette’s, Porsches and other high-performance cars. Also, take a couple of minutes and review the most stolen car list. You might be shocked that boring cars like Honda Accord’s make this list every year. You will pay about 20% more for insuring one of these cars thieves target the most. Stick to a slightly used car like a Subaru Forester, and you will have a super safe ride that’s also cheap to insure. * Maintain a Good Credit Score Carriers are putting a greater emphasis lately […]

The profit potential of the gift basket business is kind of blurry to some before they get started and they could be forgiven for wondering if a full-time income is possible. In this article we look at the profit potential of the gift basket business, how much earning and profit are possible, and lastly we look at the factors that separate the ‘six figure’ operators from the small timers. Typical Gift Basket Business Earnings For gift basket business owners operating out of their homes it is not unreasonable to expect to turnover between $15,000 to $25,000 in the first year of business if they work hard allowing for a profit of around $6,000 to $10,000. Once a business in this industry gets better established owners can expect a typical annual salary of around $20,000 to $25,000 part time or $30,000 to $80,000 full-time. To break into the ‘six figure’ level […]

The idea of a low cost car policy is something that has truly been convoluted by the variety of bad advice and recommendations that are so littered across the internet. Unfortunately, most people make the mistake of looking for a car policy that costs the least and totally forget that a car policy product is supposed to carry some basic features to be truly useful. The result of such a choice is that the buyer ends up regretting his/her choice and wishing for a more complete product. In order to find complete car policy that is also cheap, you need to compare multiple policies available online and this comparison process should include almost all the relevant aspects of policy to make it truly comparable. Here is a list of those aspects. 1. The service provider: The provider of the insurance instrument is critical for you to find a policy that […]

Well lets start with a very basic question? Why do we take insurance policies? Is it for insurance sake ie cover the risk of loss of the asset insured, or is it for investment? Or is it for both? The answer to this could be all three.There are people who buy it just for insurance sake, while some buy it for investment purposes, while some others see it as both as an investment and insurance tool. So which is the right way of approaching insurance? Friends, insurance polices are meant only for insurance sake and NOTHING else. Get this very clear. It is NOT an investment tool, at least not an effective one. So first thing to do is to buy insurance only for insurance sake. And one must have insurance in his portfolio as it is the most important hedge against any eventuality that might rock your finances. Now, […]

Motorcycle insurance is one of the largest costs involved in riding your motorcycle. Whether your ride is a scooter or a sports bike it's best to get the best value insurance policy that covers everything you need. What determines the cost of motorcycle insurance Your personal details In the insurance business, age is a common determinant for risk. Male riders under 25 are considered the most likely to file claim, whereas female and older riders are more likely to receive lower premiums. Occupation may also come into play in factoring premiums, depending on whether the coverage compensates you for time missed at work. Where you live A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to […]

It is exactly 100 years since the pride of the White Star Line, the RMS Titanic, hit an iceberg in the Atlantic Ocean and sank with the loss of over 1500 lives. The centenary has prompted many insurance companies on both sides of the Atlantic to publish documents relating to the greatest maritime loss to date in relative costs, mostly showing their company’s involvement with claims payouts. When the Titanic sank on the 15th of April 1912, the Lutine Bell was rung at Lloyd’s of London, and a very rapid claims process was begun. A few months earlier the ships owners, the White Star Line, had instructed insurance brokers Willis Faber and Co. to find cover for the hull, cargo, contents and personal effects of the ship. Willis Faber passed the ‘slip’ to their Lloyd’s mercantile division where it was assessed and subsequently underwritten by multiple syndicates and insurance underwriters […]

If you want to know the effect of steam rooms to the health on yeast infection then this article is for you. This article will discuss about the connection of yeast infections and steam rooms. This idea is based on an email from a reader. She has a couple of questions. She wants to know if sitting in a steam room or sauna affects yeast. She loves to go to the gym and enjoy sitting in the steam room or sauna three times a week. However, she does notice that after she has been in the steam room or sauna, her candidiasis acts up. She also wants to start a yeast-free diet. She is wondering where on the internet that she can get the list. If you have a similar situation as her, here is my opinion on it. For the yeast-free diet, you can go to the site of […]

Contrast to Public Transport Getting from A to B on a bus or tube can take up a lot of your time which you could be putting your feet up or having a cold drink. With public transport, getting in traffic is inevitable which can come with a lot of stress. But with the use of a chauffeured car, you are sure to be at your destination much faster due to the area and road knowledge of the drivers. Chauffeur driven cars have lots of great benefits over what public transport has to offer. You have your own personal space with plenty of legroom while having all of the rear seating to yourself meanwhile on buses and tubes you would be squashed between passengers on seats that are full of dust and dirt. Chauffeured cars are always clean and maintained in order to please each and every customer alike. Before […]

Financial reports often make reference to in-force Insurance Policies. What is an in-force life insurance policy? In-force Insurance refers to the total dollar amount of insurance that has been issued by the company. It is usually measured as the sum of the face value of the policy plus the dividends that have been issued. This is an important figure for several reasons. The face values of an Insurance policy actually represent potential payouts. Often, when reviewing a financial report, we are told the total assets of the Company. When we hear that an Insurance Company has 1 trillion dollars in In-force Insurance Policies, we might be tempted to view that as an asset. This is not true. The Insurance Company has assets, of course, like any other Corporations, but the In-force Insurance total is not included in them. It is also not a liability. It is a separate figure that […]

Today you are going to learn some easy and practical ways to keep your car clean. Nowadays most people are always in a hurry and can hardly find time for their car. But its maintenance is very important. After all, you probably travel with your vehicle every day. It does not feel comfortable to see all the mess inside, does it? Here are a few tips about how to maintain your car in good condition: Do not eat inside – unfortunately a lot of people have this bad habit. Eating inside is one of the most unpleasant things you can do in your car. You might throw out the wrappers immediately, but that would not help a lot. Just think about all the crumbs and stains that may be left behind. If you want to keep the interior clean and shining, you'd better avoid this action. Hang a trash bag […]