What to Check When You Find Cheap Auto Insurance Policies

It would be great if you can find a cheaper price for exactly the same item. Then, you can truly say that you are getting a better deal. However, it is not always as simple and straightforward because similar products are offered by different manufacturers and suppliers. Price isn’t everything when you are buying goods and services. You need to balance the quality of the product, customer service and brand reliability with low prices. This is no different when you are buying automobile insurance.

You can lower your premium, still have great coverage and be insured by one of the top insurers. However, you need to proceed with caution in the process and find out what is on offer before rushing into it. There are ways to make sure that you get either similar or better coverage when you find a lower quote for your policies. We will discuss below what you need to check to make sure you get all aspects of buying a policy right.

Are You Getting Good Coverage?

When you find cheap auto insurance policies one of the first thing you need to check is to make sure you are not losing out on coverage. First thing you need to check is to see if you are getting similar levels of liabilities covers for injuries and damages you may cause to third parties. The next step is to check if you are getting all the other covers you asked for like collision, comprehensive, uninsured motorist and rental reimbursement coverage.

That is why it is important to compare quotes side by side to make sure you are at least getting what you want. Also, you should check the exclusions and special conditions of any policies you are considering purchasing. Sometimes the devil may be in the details. It may be a good idea to run it by with the company and ask if there is anything else you need to know.

Actually, you are advised to provide exactly the same details and ask for a quote based on the same level of coverage when you are shopping around. This will make it easier to compare them at a later stage. You may want to get your old policy out and use the same information. If you want to make changes to your policy remember to get another quote from your current insurer as well.

Do You Have the Same or Lower Deductibles?

Deductibles can be used as a leverage to bring down your costs. This is the amount you need to pay out of your pocket for each and every claim before your insurer settles the rest of the damages. Some cheaper polies may come with higher deductibles that raise questions about their real value. If you go back to other companies and ask them to give you quotes based on higher deductibles they may be able to offer you the same or cheaper prices.

In a recent survey, forty percent of motorists indicated that deductibles are very important factors in their decisions. This can be even more important when you don’t have good driving records. If you have one or more accidents and your deductibles are higher you may end up spending more than the savings you got because deductibles were kept high.

What Level of Customer Service Do You Get?

Some companies can offer you the cheapest car insurance rates but they may expect you to buy and manage your policy online. This may not be a problem for many people and some people may actually like it more. You can make changes to your policy, renew it or submit a claim when you have an online account.

On the contrary, some motorists would take extra comfort from the knowledge that their insurers have local agents. They may like the idea that they can drop into agents’ offices and talk to someone face to face. 24 telephone helpline can be another facility you value. In that case, you may want to go with a company that can offer all these services even though they may be slightly more expensive.

Is Everyone Who May Drive Your Car Covered?

One other way of offering great insurance quotes is to limit who could drive the insured automobiles. Policies with lower premiums may only cover the listed drivers and specifically exclude others. If there is no chance of someone else driving your car this may not be a problem and you may enjoy the savings.

However, you may be a nice guy/gal and happy to hand over your keys to anyone who asks. In that case, you have to make sure that your friends and any occasional drivers are insured in your policy. This may cost you a little bit more but you will have a peace of mind. Most standard policies should insure occasional drivers. However, it is best that you check this is the case.

Make Sure You Are Buying from a Reputable Source

Every company that issues or sells policies has to be licensed by your state and display their license number in their premises, websites and other business documents. Every now and then we hear stories about crooks opening shops, collecting premiums and disappearing. You need to check that you buy your policies from an official website, licensed broker or reliable phone line.

You should particularly be careful with cold callers. They may be legitimate and you can easily find out. One way of checking is to get their phone number, search it online to make sure it belongs to the company and call them back if you are interested. You can get their license number and check with state insurance department if you suspect any foul play. Good luck.

How Important Is Your Will for the Future of Your Family

will_importantWhen you have a family, you simply cannot leave your estate in the hands of the government to divvy up. If you don’t have an idea of how the state handles this, you should take a look at an intestacy calendar to see how your assets will be divided. You will be shocked about where your money is going and the reasoning behind not giving money to the people you feel should receive it. The only way to protect your family and assure they’re going to receive the benefits they deserve from your estate is to draft a will. There’s no reason to put this off, because you simply don’t know what the future will bring.

Protect Your Family from Making Health Decisions for You

When you draft a will, keep in mind you need to have a living will as well as a last will and testament. This is because if you should happen to suffer from a debilitating illness or accident, your family will still need to go on without you. Important decisions you would normally make will now need to be made by someone else, according to Livestrong. Filling out a living will using one of the top rated companies for wills online can help to establish who these people are. A look at the Legal Zoom reviews can help you to choose a website to help you create your living will. Make sure you include in your living will any instructions for your health care team. This can put the decision making process in the hands of one person rather than landing it on your family to decide. This is different from a Do Not Resuscitate (DNR) order. It is more a power of attorney for the person who can make the health decisions for you if needed.

The Government Does Not Agree with You

As mentioned above, the government just does not agree with you when it comes to distributing your wealth. If you make a will, you’re going to retain the ability to dole out your estate as you see fit, according to Forbes. If you pay attention to the state laws, you might uncover some rather odd laws on the books. For instance, in some states they will make provisions to divide the estate for yet unborn children. In others, the estate will go solely to the spouse and others still, the entire family gets an equal share of the estate. If you disagree that your eight year old should receive just as much of your estate as your wife, you should have a will to dictate how much money every member of your family should receive. If you’re of the mindset you want your spouse to receive everything, keep in mind that only 16 states have adopted laws in which the spouse gets everything. There are situations where siblings have to divide assets clearly spelled out.  It’s better to not leave anything to chance and draft a will.

Make Sure Guardianship of Minors is Transferred Properly

If you happen to be a single parent, it’s highly important to draft a will, according to CNN. This is because without drafting a will, there’s no way to be sure of who will receive legal guardianship of your children. Children might become wards of the state, or the court will decide who among your blood relatives can take custody of the children. This could mean the children going to live with a member of the family who may treat the children poorly. You cannot afford the chance your children will go to the right people. It needs to be spelled out in your will. Even if you’re in a marriage, you may want to have a will indicating your wife will retain legal guardianship of the children lest by some twist of fate the courts decide to send the children away.

Provide for the Special Needs of Your Children or Grandchildren

Your children and grandchildren should have the right to receive a portion of your estate if you desire. This is especially important if you feel strongly about these children and grandchildren going to specific schools, according to CBS News. Make sure you spell out in your will which children are getting the money you’re passing along and what they’re getting the money for. If the children have special needs, you can dictate that the money is going to be used to satisfy these special needs. Your will even can dictate when the children will receive the money. To be assured they will receive everything, you may want to consider using a living trust in addition to your will. This way, the state cannot touch the money you’re setting aside for the children. Talk with a law professional to make sure is accomplishing all of your goals effectively.

Things to Consider When Choosing a Mortgage

If you are considering buying a property, there is a good chance that you will need a mortgage. Buying a house is likely the biggest purchase you will ever make and for most people, it is also the biggest financial commitment you make. Mortgages are designed to last for several years, so before you commit to one, you want to make sure that you are well-informed. Here are some tips to keep in mind when you are looking to buy a house and negotiate a mortgage.

Save up the best down payment you can. One of the best things that you can do before buying a house and committing to a mortgage, is to make sure that you have saved up enough of a down payment. The amount of money you are able to put down can influence your credit rating and the length of your mortgage. Putting more money down at the beginning will likely save you money in the long-term. A lot of brokers will tell you that 10% is the suggested minimum down payment, but if you can it is better to put 25% down. Every lender will have different guidelines and there are no hard rules, but it is better to put down the biggest down payment that you can.

Decide on the type of lender you want to work with. You might associate mortgages with banks, but that doesn’t have to be the case. You can go through a bank or you can find a firm that specializes in mortgages. You can also get a private mortgage, which are often negotiated by neutral third-parties. There are advantages and disadvantages to each type of mortgage and a lot of it depends on your personal financial decision. Your specific situation may limit your options, such as contractors who would need to find a lender that can provide contractor mortgages

Choose the right person. Just like you want to choose the type of lender that best works for you, you also want to choose the right individual. You will be working with an actual person, not just an anonymous institution and it’s important that you feel comfortable. Whether you are going with a bank or a private mortgage, you still want to choose the person representing you very carefully. After all, buying a house is a major purchase and you want to make sure that you are working with someone whom you can trust and feel comfortable with.

Be informed. Buying a house and committing to a mortgage are big decisions and you want to make sure that you are prepared for them. It is important that you are well-informed and that you know what kind of terms you will be looking at ahead of time. It is also important to choose your mortgage broker carefully and to make sure that you have chosen the right type of mortgage for your needs. It might seem overwhelming, but if you do a little bit of work ahead of time, it doesn’t have to be.

Tips for Choosing a New Career

There are many reasons why you may be considering finding a new career. Maybe you have lost your job due down-sizing and need to start over and there are not a lot of prospects in your field. Perhaps you have been injured and your previous career is too physically demanding. You could just need a change. Whatever the reason, many find themselves in a position of wanting to start over with a new career, which can be both exciting and terrifying. Here are some tips on how to make the process a little easier for yourself.

  1. Know your strengths. The first thing to do before deciding on a new career path is decide what kind of career would be a good fit for you. If you are terrible with math, then it is unlikely that going into finance would be a good fit, for example. There are career counselors who can help you by suggesting exercises that will show you your strengths and let you know which careers are a good fit for you.
  2. Make sure there are available jobs. If you are ready to change fields, you want to make sure that you are changing to a field that has good growth prospects. It is important to do your research and check out what kind of jobs are currently available and what the prospectus is for the next few years. This kind of data could be very helpful when it comes to helping you narrow down which field to pursue.
  3. Find out what qualifications are needed. If you are changing career paths, there is a good chance that you may need to do some sort of upgrading. Once you have narrowed down your list of careers that you think you would do well in and that have good financial prospects, you want to check out what kind of education or certificates are needed. Once you have that information, you need to decide how much upgrading you are willing to do for your new career. Are you willing to go back to school for four years or would you rather something that requires minimal upgrading? That is something that only you can answer, but it needs to be weighed carefully before deciding on a new career path.
  4. Talk to people in the field. Once you’ve narrowed down your list of choices, it is a good idea to try and talk to people who are currently in the field. A lot of time career resource centers can help you with this and can arrange meetings for you. These meetings aren’t interviews, instead they are information sessions. It is a good way to be able to ask questions and to learn some of the day-to-day tasks associated with your new field.

Changing careers can be scary, but it doesn’t have to be. As long as you do your research and make your decision carefully, there is no reason to be scared. It doesn’t matter whether you want to become a teacher or take on something like heavy goods vehicles training program.  There are a lot of resources out there to help you find the right career for you and soon you will be on your way to an exciting new future.

5 Tips to Buying Property in Istanbul

Istanbul is a beautiful city with a booming real estate market. If you have dreamed of owning a second home in a glamorous locale, why not consider joining the list of foreigners who are snapping up property in Istanbul? It is completely doable and there is a large variety of price ranges available, depending on your specific needs. Before you make the decision to purchase, there are a few things you should consider.

  1. Make sure you are eligible to purchase property in Turkey. Before you buy any foreign property, you need to check out your country’s laws regarding foreign ownership. You also need to check and make sure that your country is on Turkey’s list of approved countries. If you meet the criteria in both countries, you can move onto the next step.
  2. Make sure you know all the tax implications. In addition to making sure that you are eligible to purchase property in Turkey, you also want to be familiar with what it means to own foreign property. It is a good idea to check your country’s law and consult with an accountant or a real estate attorney and make sure you have all your bases covered.
  3. Make sure the property fits the criteria. Turkey has strict rules about what kind of property foreigners can buy. It is much easier to buy a pre-built home than to buy land and build your own property. There are also rules about how property a foreigner can hold, how much of an area can be owned by foreigners and there are areas that are restricted from foreign purchase. Before you put down on a property, you want to make sure that it fits all the required criteria.
  4. Have a trusted representative. Unless you have the freedom to be in Turkey for the entire time that your real estate transaction is taking place, you will need someone local to act on your behalf. Your real estate agent should be able to recommend someone you can trust. You will have to give this person the right to speak for you and make decisions on your behalf, though you will want to be consulted about any important decisions. It is important to choose your advocate very carefully, since buying property is a significant financial decision.
  5. Keep careful records. Like with any real estate purchase, it is important to keep copies of all important documents. Because you will be doing a lot of your business remotely, it is even more important that you have copies of everything. If you do any business over e-mail, you want to keep copies of those too. You want to make sure that you are well informed and well protected.

As long as you are careful and do your research well, there is no reason not to buy property in Istanbul. It is a booming city with a romantic, old world feel but with all the conveniences you can expect from a major city. Do your research and in a few months, you will be enjoying vacations at your new property.

Tips on Growing a Small Business

With the UK economy showing a strong recovery over the past year, confidence is up in the small business sector.

Business investment is starting to pick up which means it may be an ideal time to grow your business. No matter what industry you’re in, if you’re a start-up or an established firm, there are a number of steps you can take to develop your business

Here’s five tips for growing your small business.

1) Know what you are going to do

Make sure your business plan includes the potential for rapid growth and development. Work practices and objectives may need to adapt with the business, and it’s important that you and any staff members are aware of this. Making the processes as adaptable as possible will give you flexibility and resilience when coping with change. Identify any risks and make sure you have adequate business insurance cover.

2) Build a dream team 

If you’re a sole trader, consider employing staff who can help drive the business forward while freeing up your own time. Learning to delegate will help to keep you focused on the details that matter. Having a mix of skills, talents and experience will strengthen your business and boost performance. Employ trusted individuals who believe in your mission and don’t mind getting their hands dirty.

3) Listen to the customer  

Pay attention to the customer. They’re your bread and butter so remember that they’re always right! Listen to any frustrations or common issues and try to devise a plan to avoid these in the future. Always look after existing loyal clients while trying to win new ones. Provide the personal touch by remembering their names and any other information they may have told you. Doing a good job will often lead to repeat business.

4) Networking  

Building a network of contacts is essential for business growth. With the growing popularity of social media, networking sites are a handy tool for many small businesses. Social media sites such as Facebook, Twitter and LinkedIn provide an online platform to market your business, promote products and share referrals and testimonials from clients. Reputation management is essential for business owners in all sectors

5) Stay motivated 

Stay focused by referring to your business plan and identify your key original goals. Make sure all the basics have been checked off before you push for growth. Knowing that you are protected with commercial insurance will give you one less thing to worry about while you develop your business. Reassess your sales and marketing strategy, making sure it’s still relevant and effective.

6 Tools That Will Help You Prepare for Nursing School

If you’re gearing up for nursing school, then you already know how much studying and hard work is coming your way. Luckily, there are a number of online tools and apps that can help you not only organize your professional world, but also help you plan the best course of action for your studies.

With digital academia in mind, here are six ways online resources can prepare you for nursing school. 

Tackling the NCLEX With Audio 

Nursing school comes down to successful testing. If you want to put your best foot forward, then you need to start preparing for the National Council Licensure Examination from day one. The NCLEX-RN audio review will allow you to study for your registered nursing license from just about anywhere. 

Part audio book, part study guide, NCLEX-RN is an audio course that helps degree seekers review materials found on the NCLEX exam and features comprehensive prep test programs based on the audio guides. NCLEX-RN is available for download on Apple and Android devices for less than $30. 

Prep Classes Online 

The best way to prepare for nursing school is by taking part in prep courses, but sometimes life gets in the way of attending extracurricular classes. Fortunately, there’s a solution in the form of online prep classes that teach the basics of nursing and medical terminology. 

Whether the prep classes are offered outside your program or through your university, there’s no better way to get prepared for your nursing degree than with flexible, informative online classes and coursework. 

Online Practice Tests 

No matter how diligently you study, when it comes to test day, even the most prepared individual can lose focus. That’s why taking practice tests is an essential part of nursing school. Just like prep classes, practice tests come in an online format too. 

There are countless online practice tests available, ranging from the NCLEX to basic mid-term exams. From the multiple-choice format to the way the questions are posed, online practice tests are a great way to mentally prepare for test day. Online tests are usually available through your state board website or as online components to study guides and textbooks. 

An On-the-Go Study App 

Sometimes, juggling all of your study materials for nursing can become a huge test in itself. When it comes to obtaining an accredited nursing degree, the StudyBlue app can help you organize all of your class work and study materials into one convenient mobile tool. 

Not only does the StudyBlue app allow you to create your own study guides based on your notes, it also allows you to turn those notes into mobile flashcards complete with study reminders, so you can study from anywhere at any time. The best part is the StudyBlue app is free for Apple and Android devices. 

An App For Every Nurse 

Apps are handy, mobile, and helpful, so it only makes sense that more and more nursing apps are becoming available. In terms of comprehensive medical information, the Nursing Central app has everything nursing students and registered nurses could ever want. 

The Nursing Central app includes Davis’s Drug Guide, with a listing of more than 5,000 generic and trade drugs. It also has the Taber’s Medical Dictionary, with 1,250 full-color medical illustrations and photos, and research tools that cover diseases and disorders, laboratory tests, and medical journals. The Nursing Central app is available for Apple and Android devices for $169, which includes free lifetime updates. 

Online Study Groups 

When preparing for nursing school, studying is the best medicine. If you’re the type of person who has trouble studying alone, then online study groups might just be the answer. There are tons of studying techniques out there, but group study is proven more effective than studying on your own. 

You can either join an online study forum with your classmates or find outside study groups with members who are also preparing for nursing school. Not only can study groups help you learn from your peers, but studying in a group environment also helps you discover your weaknesses and turn them into strengths. 

When you’re preparing yourself for nursing school, the tools above will help you stay on the right track from day one.

The United Plus Mileage Card Offers More than Just Miles

The United Mileage Plus Explorer card is a great card that offers many rewards. The card has a variable APR starting at a great rate of 15.24 percent, which depends on creditworthiness. The Mileage Plus credit card also has an annual fee of $95, but the fee is waived for the first year.

During the first three months with your credit card, there is a great opportunity to earn 30,000 bonus miles by spending $1,000 in qualifying purchases on the card. Purchases do not include cash advances, balance transfers, foreign currency, money orders, interest or checks from the credit card company. The miles will be added to the account within six to eight weeks after spending the first $1,000. The account needs to remain open and in good standing to receive the bonus miles earned. The bonus miles that are earned will not count toward reaching Premier status.

Card members will earn one mile for every dollar spent, and there is no limit as to how many miles you can earn. Just like the bonus miles, balance transfers, interest and other similar charges will not earn miles. In addition to earning one mile for every dollar spent, you will also earn an additional mile, for a total of two miles per dollar spent, on United Airlines purchases online or at the airport. Flights booked through discount travel websites may not qualify for double miles.

The United Mileage Plus Explorer credit card also offers bonus miles every year on the anniversary of opening the account as per information from Milecards.com. In order to qualify for the bonus, you must spend at least $25,000 on your card within one year. The great thing about the bonus miles and regular miles that you earn is that they will never expire as long as your account remains open and in good standing.

The rewards for owning a Mileage Plus credit card don’t stop at receiving miles for your purchases. Your first checked bag will be free. The reward allows the primary cardholder and one companion traveling on the same reservation to receive the first standard bag for free. The offer applies to both ways on a two-way flight, which can save you up to $100 per flight. The tickets must be purchased with the Explorer credit card. There are also no foreign transaction fees when using the Explorer Card outside of the United States.

Another benefit that comes with the card is priority boarding privileges. You will also be able to use two passes every year to visit the United Club every year.  Considering that some of us want to try to save money at the airport, this could be a nice way to do so.  When you use your card to make a reservation at a luxury hotel & resort location, you will receive free room upgrades, early check-ins, late checkouts, complimentary breakfast and other amenities. There are more than 700 hotels and resorts worldwide where you can take advantage of this offer.

Any miles that you earn can be used for any seat at any time after they have been credited to your account. There must still be available seats for you to make a flight purchases using your accumulated rewards. The Mileage Plus number must be provided before you start the booking process in order to use your miles. They can be used on any United Airlines flight or on partner airlines, including Air Canada, ANA, Thai, Austrian, TACA and many other airlines.

There are many different flights available starting at just 20,000 miles for a round trip. International trips to Europe in Economy Class are around 60,000 miles. There are many seats available at this rate because of United’s alliance with Swiss Airlines and Lufthansa. You can also book a round trip flight to Asia, which normally costs $1,500 or more, with 70,000 to 85,000 miles. United offers more flights to Hawaii than any other airline, making an economy-class flight a great deal. The lowest saver price is 45,000 miles, but most flights will probably cost 60,000 to 80,000 miles instead.

Other domestic flights in Economy Class usually cost 37,500 miles instead of the lowest advertised price of 25,000 miles. First class domestic flights are also a great value if you can find dates that cost 50,000 miles.

Your miles can also be used on business-class flights for a decent price. Seats on United Airlines flights to Europe can cost as low as 115,000 miles, but the cost can run up to 140,000 miles. Flights to Europe and Asia will cost 140,000 to 160,000 miles on partner airlines. The Mileage Plus credit card offers great deals on many flights across the country and around the world. It is very easy to earn many miles, and there are plenty of additional benefits when booking your flights using the card.

5 Ways to Ensure Your Video Meetings are Perfect

No matter which industry you work in, meetings can be a stressful occasion. Many employees might be tempted to run and hide when they’re told that their boss wants to have a “quick meeting” with them. Many of our flaws and weaknesses seem to jump out at office meetings, and our insecurities and competitiveness sometimes need to be suppressed. Meetings can also lull employees into a false sense of security, and our minds can wander when we think what is being discussed isn’t relevant to us, only to be put on the spot when we’re asked to give an opinion.

The nature of the office meeting is changing thanks to the advent of video conferencing technology, and collaborations that used to only be possible by actually summoning the relevant staff members to the same location can now be achieved with video conferencing at the tiniest fraction of the previous cost and effort. Video meetings are becoming increasingly important when it comes to ensuring that organizations goals are achieved and that projects operate efficiently, and as such, the video meeting has become as important a corporate communication tool as a phone call or email. It can be easy to view video meetings as a fairly informal exchange of ideas, and yet sometimes these meetings have significant consequences. Difficult decisions need to be made and implemented, and the entire future direction of an organization can be decided at a meeting. So how do you ensure that your video meetings are perfect, and allow items to be discussed with the seriousness and intensity that might be needed?

Make Sure Everyone Is Well Informed

Larger organizations generally follow a process for meetings, regardless of whether they’re face to face or via video conference. Small and medium sized businesses might be a little more spontaneous in their approach, but it’s important to remember that a video conference is still a formal meeting where it’s important to be prepared and speak up. Accordingly, it’s important to ensure that all parties receive a meeting agenda and copies of relevant content that might be required. Of course, corporate video conferencing such as the service that Blue Jeans Networkprovides allow for easy sharing of electronic documents, but sometimes an old school paper copy is nicer.

Manage Your Equipment

It can be advisable to have a designated video conferencing system operator who would ideally have been instructed by the service provider. They’re the go–to person if there are any issues during the video meeting, but can also manage the system during the meeting, patching relevant parties in and out as needed, which is certainly easier than a multitude of staff members trying to work out how to do it by randomly pushing buttons. Prior to installation, it’s vital to ensure that your bandwidth allowance will support the video meeting facilities without slowing any of your other telecommunications.

Check Your Surroundings

Not all video meetings are such grand affairs, and you might find yourself needing to teleconference privately with a few other team members, and while you don’t need to plan the video meeting as though you’re shooting a movie, there are a few things to remember. Try to find a private room for the meeting, and remember to adjust lighting levels – excessive sunlight can create a glare on the other parties’ screens. If background noise is a problem, simply wear a headset.

Avoid Informality

Video meetings can put you face to face, or screen to screen with senior management and key stakeholders who you might not usually encounter in your working day, so despite the fact that it reminds you of video calling your grandmother for her birthday, treat it as though it’s a formal face to face meeting. Talk to the screen as though the person was sitting in front of you, and looking into the camera will give the illusion of eye contact. The video conference microphone will pick up your normal speech, so you don’t need to raise or alter your voice in any way. Also remember that these microphones are quite sensitive, so your whispered statements might be clearly heard by the other participants.

Use the Medium to Your Advantage

Video meetings aren’t like staging an elaborate show, and yet you can easily use the medium to your advantage. For complex issues that you might be called on to discuss, you can easily leave your notes in an easy to read position just beyond the cameras reach. If you’re required to make a presentation at a video meeting, you can also write your key points down and place them in a part of the room from where you can see them, but that the other participants can’t. Meetings can often turn into debates, albeit polite ones and anything you can do to give your point of view an advantage is worth the effort.