Auto Insurance Does Not Mean The Same Things To People In The Financial Profession

Auto Insurance Does Not Mean The Same Things To People In The Financial Profession

It is amazing how much literature has been written about the car insurance business online. The main approach in use by the bulk of the writings is in the direction of selling car insurance, rather than offer it in the proper context of insurance product or 'a product to protect your assets and wealth.' That is why when searching for the phrase 'auto insurance' a large number of websites emerge with the 'selling' phrases like affordable auto insurance, or cheap auto insurance or low cost auto insurance.

In the early part of 2011 and according to Google AdWords there were 8,100; 74,000; 9,900 monthly searches for the above key phrases, respectively. On the other hand, there were only 110 searches for the phrase 'reliable auto insurance', 170 searches for 'quality auto insurance', and 8,100 for 'top auto insurance companies.' It is rather easy to conclude that most of the searches on line are about price, not quality of insurance.

A basic principle in marketing is to understand what people 'want' and design and package your product or service to meet what the folks want. Looking at those numbers we can tell that most people want cheap auto insurance. As a marketer, if you design any campaign without considering that analysis you may actually flunk the marketing tests, close your website and go do something else.

So what's the difference between auto insurance polices? From a 'financial planning perspective' car insurance comparison should never be based on price only, and sometimes most people agree that cheap insurance is not necessarily the best car insurance. But what most people do not know is that an insurance policy with the best rated company may also be one of the most problematic contract. An auto insurance policy should be compared in reference with three factors:

1. Price: of course the cheaper the better.

2. Company Rating: Non standard companies are more flexible than their standard or preferred counterparts with regard to past violations found on the MVR activities of the drivers and the credit score of the car insurance applicants. However, non standard companies are harsher than others in customer service and paying claims. Most of complains come from non standard insurance companies. While preferred companies do not hesitate to quickly pay for smaller claims suck as seven or eight thousand dollars claim, or even little more; all companies from top to bottom will try to examine the application to see if they have to or do not have to pay a $ 100,000 claim.

3. Liability Limits. This is the most ignored, least understood, but is the most important aspect of the policy which affect customers during time they need the insurance. It measures how much protection you have in the event you get sued. A professional financial advisor will never ever sell you an auto insurance policy at low limits if he / she has sufficient information that you and your spouse have sufficient wealth to be sued for in the event that you or a family household member cause a major auto accident and your car insurance pays the maximum on the policy which turns out not to be enough.

There are many insurance policies sold with superior insurance companies at the lowest liability limits mandated by the state. In the State of Illinois these limits are 20/40/15, which means that in the event you cause an accident that is your fault and you get sued by others, then your company will pay to others on your behalf no more than $ 20,000 for bodily injury for one person, no more than $ 40,000 for bodily injury for all other people in the accident, and a maximum of $ 15,000 for any and all property damage you case in that accident. If you are a business owner and you cause a major accident resulting in a unbeaten lawsuit of $ 300,000 and your insurance company maxed the payment on the policy and paid $ 20,000, the difference of $ 280,000 will have to come from your own money!

Financial Planners and Auto Insurance Marketers Are Not in Harmony

Financial planners are not in harmony with insurance marketers about the weight that needs to be placed on limits of liability in auto insurance. Marketers like to stress the aspects of price and company rating, while financial planners like to stress the importance of liability limits first, then company rating second, and perhaps price at a later stage.

Although financial planners and auto insurance marketers have the common goals of maximizing their salaries while providing their services, the scope of their operations is different. Auto insurance marketers make their money by selling as many polices as they can have. The marketer does his best to make as many sales as possible, since making small amount of money on too many policies sold. Financial planners work differently as they try to make big money from each of the few number of customers they have. Selling an auto policy is not the primary concern of a financial planner, but for him or her auto insurance is one of the fundamental subjects of the financial planning process.

Car insurance agents look at auto insurance as a way to protect the car itself in the event of theft, fire or another loss, including the fact that it's the law. Financial planners look at auto insurance as an integral part of their clients risk management process. To the financial planner an auto policy is not to repair the car in the event of loss, but is mainly about protecting the assets and wealth of the insured, especially against potential lawsuits.

Some auto insurance marketers would even suggest to cut down on liability insurance as a way to save money. No sound financial planner will ever make such a suggestion. No way!

When does height matter?

How high your liability limits should be the main issue that should prevail when you buy car insurance. You probably need only the minimum liability limits mandated by the states if / when (1) you shopped for higher limits and could not afford it, (2) your current assets or wealth is not big enough to expose you to further lawsuits in the event of at fault auto accident. (3) you are a high risk driver where no one else wants to insure you except at the minimum limits. But, if you have certain amounts of assets and wealth, or is expected to have sizable assets or wealth, then you need to worry about the height of your liability limits.

What about if you are not wealthy with plenty of assets? Even for people with little or no wealth, the height of liability limits should be much of a concern to them. This is due to the fact that liability insurance contains certain coverage to pay for your bodily injuries in the event that you get hit by a vehicle that is legally uninsured, or is insured but the insurance on that vehicle was not enough to cover your bodily injuries . According to the Insurance Research Council, approximately 15% to 17% all drivers in the United States are uninsured. Coverage for Uninsured Motorist (UM) and Underinsured Motorist (UIM) varies from states to states with regard to their mandatory status and limit amounts. In Illinois UM is mandatory at the limits of $ 20,000 for bodily injury per person and $ 40,000 for bodily injury per accident. Underinsured motorists coverage is not mandatory in Illinois but insurance companies must offer it to clients for policies issued with liability over the state limits. Clients can still reject to have higher uninsured / underinsured motorists but it must be in writing. As you can see, your liability only policy provides coverage for your bodily injuries, and making sure that you have high limits on both liability, UM and UIM can have a tremendous effect on your life.

The Impact of Computer Use on Childhood Development

The Impact of Computer Use on Childhood Development

If you are curious about the impact of computer use on child hood development and would like to know if your child is benefiting from your home computer or the computer that use at school, then read on to learn about the pros and cons on the impact of computer use on childhood development.

The impact of computer use on childhood development in today's society can be beneficial and yet damaging. Some computer programs have been made to teach our children how to write, read, and spell. There may also be a large amount of children that have gotten more knowledge through using such programs and have succeeded immensely. Many programs developed through our technologies history have been proven to heighten children's learning abilities. Such programs include, matching, problem solving, and even skill building.

Another pro that can be considered when figuring out the impact of computer use on childhood development, falls under the category of learning how to navigate and being able to achieve in certain games that allow your child to defeat various challenges and levels. Completing these goals can build a child's confidence and make them feel like a winner. Some computer games let you choose how difficult or easy you want the game to be allowing almost anyone to accomplish a challenge.

Whether your child is at a young age or is approaching their teen years, some computer programs were made to be more of a menace to your child's development. Be aware of these games, for they can ruin your child's ability to learn with just one click. If your child is becoming obsessed with a certain computer game and tend to be getting more lazy around the house, then it is time to try intervening and helping your child find more upbeat activities to engage in.

Another important factor that you should consider while figuring out the impact of computer use on childhood development, is the ratings on the games your children choose to play. Some computer games are extremely violent and include high rating content that most children should not be able to get their hands on. These games can invite hostile emotions that may affect your child to the point of acting out the characters in the game, causing a problem for not only your child, but for everyone that lives in the home.

There are definitely some important factors that need to be explored before purchasing any computer program for your child or children. Try looking up the program on-line first to see what the rating is or if the program has any qualities to help your child in their learning development. Also, do not forget to check the rating on any computer games your child purchases or brings into the home. It is always better to be safe than sorry when it comes to the safety of what kind of content your child may be engaging in.

How to Make Money Fast by Retrieving and Returning Shopping Carts

How to Make Money Fast by Retrieving and Returning Shopping Carts

Are you looking for a way to make money fast? If you have a large utility vehicle, like a pick-up truck, you can retrieve and return shopping carts for a cash reward.

Most every mid to large retail grocery, variety and department store has a stock of shopping carts on hand. They are purchased by the store, of course, so that customers can use them when shopping in their store.

Shopping buggies are expensive. The average cost to the retailer for just one is between 75 and 100 dollars. Large ones like the kind you find at wholesale and club stores can run up for 200 dollars or more.

Most retail stores have dozens of them; busy big-box stores may even have hundreds of them. Purchasing sufficient of them to meet a store's demand and traffic levels requires a significant expenditure of cash.

It is, therefore, in the best interest of the retailer to protect that investment. Most retailers do their best to make sure that carts remain on store property. However, shopping buggy theft is all too common. The average store loses about $ 8,000 $ 10,000 to per year to this problem.

Because they are so expensive to buy, many store owners and retail companies pay cash rewards for the return of their carts which have been stolen (or "borrowed") and not returned. Cash rewards typically range from 25 to 50 dollars per cart.

Here's how you can retrieve and return those buggies for cash: contact retailers in your area which have shopping carts. Find out if they pay for returned carts. Many do, but will not give cash rewards to just anyone. (Store owners do not want the public to abuse the reward system by stealing carts themselves in order to get the reward.) Usually you have to sign a cash-for-return contract.

You'll have to provide some forms of identification, usually a driver's license plus one other item (like a Social Security or credit card). You may have to sign a waiver absolving the store of liability in the event of something unforeseen.

You can make arrangements with any or all of the retailers in your area. The more contracts you have, the more money you can make.

If you've lived in your city for any length of time, you've probably seen common dump sites for stolen shopping buggies. Visit these areas regularly. Additionally, get in the habit of keeping your eyes open every time you're out and about town. You'll probably spot discarded shopping carts regularly. You can pick these up and return them as you come across them, or store them at home until you have several of them.

Remove Backdoor Cycbot! Gen2 From Your Computer Now

Remove Backdoor Cycbot! Gen2 From Your Computer Now

One of the most dangerous computer malware is this backdoor cycbot which slyly takes control of your vulnerable computer. It gets a place inside your computer system without your permission and gets configured when your system is booted. The main aim of this Trojan is to take command over your system and can leak your account details, credit card details and password to other accounts. It has a key logger application which incarcerates all the key strokes of the user. It can self download many other malware to the system and corrupt it further.

Backdoor Cycbot! Gen2 is a major threat to the security and its surrounding networks. Each time you boot the system it get activated and starts a fake scan and displays several malware infections. But remember, all this is just an eye wash, it displays several pop ups, security alerts and notifications. This sly Trojan shows that you have trouble in your internet explorer, Firefox or Google and directs you to its malicious websites which further corrupts your system. Your hard drive gets hampered, and so do DLL files and several other programs of the system.

The backdoor Cycbot! Gen2 is a rogue malware and it has the capability of restoring and repairing itself and hence can not be deleted from your system easily. Manual removal of the virus requires technical skills and its best if done by some software techie. A layman can take the help of this spyware removal software and scan your system with it. You should always have this software installed in your system for internet privacy and it also keeps all the Trojans away. This Spyware software completely removes backdoor Cycbot! Gen2 from your computer system and also repairs the damaged DLL. You can enhance the performance of your system by using a PC optimizer tool which cleans all the damaged files.

Identification of the Backdoor Cycbot! Gen2 is very important and the earlier it is detected the better it is. Some of it symptoms are as follows:

• Google and yahoo searches are redirected to the malicious website.
• If your system becomes slow suddenly, then check as back door cycbot! gen2 might have attacked your system.
• Sudden pop up ads are also because of this Trojan and it can completely disrupt your computer functioning.

You should not show any lethargy with these malicious computer viruses and act on them immediately otherwise your essential in formations like password etc can get stolen and the system can also crash.

How To Arouse A Woman - In 4 Simple Steps

How To Arouse A Woman - In 4 Simple Steps

Most women often tend to be very closed and protective about themselves when it comes to topics such a sex. Every man wants to know how to arouse a woman but it's very hard when most women tend to adopt a passive attitude. So how to figure out whether a woman is ready for sex or not? You simply can not arouse her without she opens up mentally to this subject. Read on to discover some of the best ways to arouse a woman and achieve stunning results in bed.

Start with common questions- Women are emotional there always always take it slow and build up with time. Start with common questions such as one night stands. Ask her if she has had one night stands before or not. If the woman is uneasy with such questions than she is not ready yet for sex. Wait for the right time and moment when you feel she is mentally ready. Remember you can never arouse a woman without her emotions are involved.

See what she likes- Ask her whether she prefers to have sex on the first date or not. This is one of the best ways to arouse a woman. Ask her about her past experiences and how often she has had sex on the first date.

Make her think- The best way to arouse a woman is to make her think of the sexual topic as much and as often as possible. Drive her into a mental movie where her thoughts are dominated by sex and she slowly starts to get aroused.

Find out when she is ready- If she does get dominated by sexual thoughts she would get aroused and would give you a signal whether she is ready or not. This does not mean she would be immediately ready for sex but she would most definitely be ready to get kissed. Kissing is the next level on how to arouse a woman perfectly. If she is ready to be kissed than she is most probably aroused and has opened her doors to get into bed with you.

"For Crying Out Loud!" What is the Origin of This Strange Expression?

"For Crying Out Loud!" What is the Origin of This Strange Expression?

What's going on with the expression: "For crying out loud?" Have you ever thought about that? I mean, what the heck does that expression mean anyway? Where did it originate from?

Expressions like "Hot dog!" Egypt "Man alive!" make sense to me. Hot dog suggests that you're excited about something- About as excited as you'd be someone gave you a free hot dog. "Man alive" means your surprised about something; it was probably coined by mountain climbers when they found half-dead men in the snow- Imagine running across a boot sticking out of the snow, and when you tug on it a semi conscious Sherpa is attached to the other end. You'd yell "Man alive!" too, and you've got every right to do so.

My dad was a big advocate of the "for crying out loud" expression. He'd yell it at me when I'd do things like draw with crayons on the wall, or put the cat in the dryer. Every time I heard it, I'd sail into the cannonball position and try to roll myself into a tight nook where he could not reach me. One day as I was stuffing myself into a hamper I thought: "This for crying out loud expression makes no sense to me. Frankly, they make me a little uneasy, and I refuse to use any expression that does not have at least a semi-logical origination. " (Yes, I spoke like this when I was 8 years old). I had reached the bottom of the hamper as my dad's footsteps approach. "For crying out loud Marcus, where the heck are you !?" It was then and there that I made a decision. With a sock stuck to my cheek I declared: "I WILL GET TO THE bottom of this irresponsible expression, for good or ill!"

So today, 25 years later, I'm happy to report that I have unearthed the origin of the "for crying out loud" euphemism ... kinda. The expression is part of a long list of sayings that find their origin in Christian culture. They're called "minced oaths," and they allow you to express your frustration without saying something sinful.

For example, if you were a peanut back in the dark ages and someone stood your sandal, you would not want to yell out an expression like: "When I find you, I'm gonna stick that sandwich up your ...! " You'd rather say something like: "For Pete's Sake!" which calls to attention Jesus' right hand man, St. Peter. You've still got to express your anger, but you've slipped it right past God without him even knowing what happened. And who knows, maybe St. Peter can help you get your sandal back.

Expressions like "Gee" are even Christian based. The "G" sound represents the "G" sound in Jesus Christ, and is also responsible for Hip Hop's famous saying: "G-Unit," which gangsters use as an underground codeword when referring to their personal lord and savior.

"For crying out loud" is said to originate from the expression "for Christ's sake." How do you get from "for Christ's sake" to "for crying out loud" I do not know, but I bet it has something to do with a father who was disqualified with the incessant crying of his sprout. He was probably an important man, and as he held himself at the brink of saying: "For Christ's Sake," he instead said: "For crying out loud!" His eyebrow probably flew up right after he said it; the "ah-ha" kind of eyebrow we all strive for. And with that, the expression was coined.

Euphemisms play an important role in our culture, and I tip my hat to my dad for having the gall to carry on the tradition. The next time you hear an expression who's meaning alludes you, think back to our early Christian forefathers and thank them for their contribution. I mean for crying out loud, at least they provided us with some fantastic comedy.

Advantages & Disadvantages Of A Home Cake Business

Advantages & Disadvantages Of A Home Cake Business

There are thousands of businesses that you can start from the comfort of your own home, everyone knows that. But, starting a cake business from home is something different and I'm going to tell you why and how to do just this.

It is true, cake decorating requires a little practice and some experience. Fortunately, that is something you can gain with very little cash. A cake business requires supplies that you may already have lying around your kitchen. If you already feel you are adept at this activity then you are off to the right start. And on top of that, starting a cake business from home just might be the perfect opportunity for someone like you!

Like any business, there are major advantages and disadvantages. The top five advantages to starting a cake business from home are as follows:

1. You can run this business from home and do not require separate quarters to do so. If you feel in the future you need more space for your growing venture, then by all means upgrade!

2. A cake business is fun! Most people need cakes for special days or events so what better way to make someone smile and also earn a little extra income while you are at it?

3. Your cake business will allow flexibility in your schedule. You can decide when and how many orders to take. You do not have to ask for vacation days off and you can spend time with your kids or family anytime you like.

4. Low startup costs! Since you do not have to rent some space, then rent can be taken off the budget list. Also, cake supplies are reliably cheap and definitely easy to come by. And as your business grows, so can your supplies and equipment.

5. High mark-up for cakes. Since cakes are easy to make, you can price them according to what you feel they are worth. Your prices do not have to be set in stone! Some are worth more than others but either way; you are going to make a nice profit!

This is not to deter you but to make you aware of some of the things you need to keep in mind before starting a cake business from home. On the other hand, you are going to have some disadvantages and they may vary from person to person but they are as follows:

1. You may have to sacrifice time from other activities to get the job done. You will find that certain orders have to be completed at certain times. Time management will be your greatest ally!

2. Most events are scheduled for weekends when people are off work. So, you will need to be sure that you have this time available to deliver cakes or be available for pick-ups.

3. Depending on the size of your kitchen, you may need extra storage space for your supplies. This may require purchasing an extra cabinet or rearranging your kitchen.

4. You may have to budget for classes or courses if you need a little extra help learning the routes in the beginning.

5. Lastly, as with any business from home, there may be zoning requirements that you have to look into.

You will find that a cake business, just like any other business is full of advantages and disadvantages. Cake businesses are fun and fulfilling but it is up to you to decide if it is the right avenue to take. But if you do decide to take that leap then remember to enjoy and have fun with your new business!