As You Are Probably Already Aware, Auto Insurance Is Mandatory

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 stillly on a person credit score. The better your credit rating is, the less you will pay for coverage. The reasoning behind this is of course risk. People that are less risky financially are more likely to be more responsible drivers and not make reckless driving decisions. If you have a low score, take moves now to get it higher and also make sure there are not false items on your report that are dragging it down. Shoot for a credit score of 700 or more and insurers will offer you some sweet deals.

* Live in a Rural Area

If you are thinking of moving out of the city, then you might be pleasantly surprised that you can save more on auto insurance. Big cities that are typically merged have higher rates because there are simply more cars on the road, which increases your chance of getting into an accident. Do a bit of research online, and you can save hundreds.

* Increase Your Deductible

This is a very easy tip that you should strictly consider and is something you can control 100%. Setting your deductible to a higher level, $ 1,000 or more, will save you on average about 10%. The catch is you will need to save all of this amount in case you get into a crash and file a claim. If you have a really old car, older than 10 years, it's not worth getting a high deductible because the value of your car might only be $ 2,000 or $ 3,000. On the other hand, if you have a new vehicle, you will be paying more for coverage, so this is a great way to get a price break.

* Drop Useless Coverage

If you are in the market for auto insurance, then take a look at your old policy. Read it carefully and go over each item. Do you see any coverage that was not needed? If so, when you apply for future quotes, get rid of unneeded add-on items. For example, if your credit card company already has you covered for rentals, you do not need additional coverage from your carrier. The same goes for towing and roadside assistance if you have a plan with an A pl plan. Get the coverage you need and nothing more and save your hard earned money.

* Get as many discounts as you can

Insurers want your business, and a common incentive most use to lure you in, are discounts. Most providers have multiple discounts available. Your job is to take advantage of each one you qualify for. Some of the offers vary but can be anywhere from 5% to more than 10%. Here is a few of the most common.

1. Safe Driver

This means no or very few tickets and no accidents on record.

2. Low Mileage

If you drive fewer than 1,000 miles monthly, you can qualify.

3. Military

If you are currently an active military member of vet, you can save about 5%.

4. Good Student

Students who have and maintain a B or higher GPA can get discounts up to 10%.

5. Multi-Car and Home Bundling

Insurers want your business, and you can save some serious dough by bundling all your vehicles and home together with one company.

6. Enhanced Safety Features

If you have special safety enhancements on your vehicle like dual airbags, anti-lock brakes and a GPS-based security alarm, you can qualify for a big discount.

Source by Mike Heuer

Seven Mistakes New Managers Often Commit

Young professionals exhibit a variety of great traits. They are excited, energetic and generally fearless. These attributes often create a great amount of success for these in-charge individuals. Unfortunately, youth can have its downside. Learn what seven critical mistakes new leaders often commit.

Many business people, fresh out of college or technical schools, believe they are ready for all the challenges involved in a profitable career. They have learned the fundamentals of their fields and believe that is enough. What they fail to realize is that they need to commit to being lifelong learners. Investing in further education will keep them moving up the corporate ladder.

Everyone needs good role models. It is a crucial mistake for young professionals to neglect finding a mentor. These upwardly mobile business persons need the sage advice of seasoned executives to smooth their way. Developing a mentor-mentee relationship provides substance to new careers.

Often gaining a position in a top company causes a person to become complacent. This mistake can halter a professional’s advancement if they neglect to set and work on additional goals from the beginning of their career. He/she must concentrate on what they need to do in the present to make the future incredible.

It is often challenging for anyone to look at themselves critically. Finding weaknesses however, is a necessary trait of any individual embarking on a professional career. Young professionals must determine what they lack and fill in these gaps in order to improve and gain the notice of higher-ups.

Looking out for oneself is, of course, necessary in any career field. What youthful workers sometimes forget is that working with and for the company team is vital. Today’s workplace is all about communal effort. The young professional must embrace group initiatives for continued success.

New persons in various fields can also make the mistake of not acknowledging and supporting diversity in their workplace. There is much these persons can learn from those who come from different backgrounds, cultures and regions. When a business person fails to take advantage of this wealth of knowledge, he commits a grave mistake.

Finally, those who are new to corporate life often tend to make work their whole world. This dedication to business might seem noble, but it is a huge error. Those new to their fields should involve themselves not only with the companies they work for but with their community as a whole. Donating time to serving their area’s needs create caring, compassionate and well-rounded young leaders.

So, involvement with others and commitment to growth are attributes all newly hired professionals should incorporate. Avoiding the common mistakes associated with youth and turning them into positive action lead to meaningful, accomplished careers

Source by Sumit John

Florida SR-22 Auto Insurance Facts For License Reinstatement

Florida Form SR22 is the name of the document that provides verification of required insurance for drivers with a suspended license. Depending on the circumstances, court ordered suspensions have different conditions for the insurance, such as, coverage limits, compliance period, and payment terms. An assigned case number, appearing in the Motor Vehicle Report (MVR), matches insurance policies to drivers requiring SR22. Keep in mind, that a qualified policy may be a car insurance policy, motorcycle policy, or an operator’s policy where there is no vehicle to insure.

Uninsured drivers causing an accident with property damage only, require a Personal Injury Protection (PIP) and Property Damage Liability (PDL) policy, with limits of $10,000 for each. This policy type is paid in full for six months with no option to cancel, has a compliance period of two years, and a case number that begins with 2. When people are injured by an uninsured driver, Bodily Injury Liability (BIL), of $10,000 per person and $20,000 per accident, in addition to 10,000 PIP / PDL is required. This policy type can be cancelled, and the compliance period is three years. Driver license suspension will follow a canceled SR22 insurance policy, unless a new qualified policy has replaced the cancelled one.

After a policy begins, Insurance companies have up to 15 days to electronically submit (file) SR22 to the Florida Bureau of Financial Responsibility. The Florida Department of Motor Vehicles (DMV), usually will not reinstate a driver license until the electronic filing has been received. The entire process is fast and efficient, with the right company, and license reinstatement can be obtained within two days. However, some companies, will generate a “hard copy” for the policyholder, immediately after purchase, and some clerks at local DMV offices will reinstate a license when presented the certificate in person. This is the only way a license could be reinstated the same day a qualified policy is purchased.

in October 2007 Florida Form FR44 replaced Form SR22 for DUI drivers only. The SR22 filing is only acceptable on a Florida insurance policy and a $15.00 filing fee is added to the cost. Multiple SR22’s, or FR44 and SR22, are not issued on the same driver. A new FR44 filing will supersede an existing SR22 requirement. Form SR26 is used to report a policy that cancels which has the SR22 filing. Since June 30 2009 all filings must be done electronically by the insurance company on behalf of the policyholder. The older pink forms given to policyholders, to physically present to the DMV, are no longer sufficient. All SR22 case numbers begin with a one, two, or three, indicating different requirements.

Florida SR22 insurance facts, accurate and updated, are essential information for insurance agents and policyholders. Remember that the SR22 is the mechanism by which proof of insurance is established, and the insurance policy itself is basically the same with or without the SR22. Just like any other insurance policy, how much SR22 insurance costs for each driver depends on the varied and detailed information gathered in the quoting process. Here is one last fact many policyholders have found very helpful: For a number of reasons a scooter, insured on a motorcycle policy, costs far less than a qualifying auto insurance policy or operator’s policy that insures no vehicle at all.

Source by Clifford J Schimek

Does Your Business Really Need a Tagline?

Your brand is everything.

How you market it is key to your success.

For many years a tagline has been seen as a vital ingredient in your brand's marketing, regardless of your company's size.

Those all important well-chosen words sum up your brand's promise and values, but is it still relevant today?

If you look at some of today's giants, such as Amazon, Apple, eBay and Google, they do not really have taglines and instead rely on their logo.

Admittedly, the chances of your business commanding the same kudos in your industry is unlikely (you do not have their marketing budget for a start), but if they can go tagline-less can you?

The trend is that more and more companies are moving away from them, but that is because the vast majority of taglines are, well, not to put too finer point on it, bad?

What's the value of a tagline?

Advertising is moving away from selling.

Blatant sales pitches do not cut it any more (did they ever?).

Consumers want to be wooed; They want to be shown how great their life will become if they buy your product. In other words, your marketing has to be all about them and not about you.

The inclusion of a tagline however, creates a hook that attached itself to their mind permanently telling them:

  • I'm lovin 'it – McDonalds
  • Just do it – Nike
  • We're better connected – 02
  • Every little helps – Tesco
  • It gives you wings – Red Bull
  • The make-up of make-up artists – Max Factor
  • 8 out of 10 cats prefer it – Whiskas

The best taglines can evoke memories – who does not remember the Frosties, They're Grrrrrrreat !?

It instantly conveys what your brand stands for and your customers' attitude towards it.

Creating a winning tagline

Only time will tell if you've come up with a cracker, but here are a few tips to try and get you on the right course.

  • Do you want it to reflect your values ​​or your product / service?
  • Does it reflect the emotions and feelings of your customers?
  • Does it gel with your businesses ideology?
  • Use simple language without any jargon
  • Will it date quickly or does it have longevity?
  • Is it memorable?

What that basically comes down to is whether it adds value to your brand?

If you're really struggling to come up with something sometimes it's worth going to market without one.

In time, as your business grows and you understand it better (and your customers), you can always do a mini rebrand exercise and introduce one.

When I started out mine was "Powerful. Persuasive. Creative", but after my last rebrand I dropped it all together.

So the answer to the question does your business really need a tagline? Is it's up to you. There are no hard and fast rules, just go with what you feel is right.

Source by Sally Ormond

Employee Fraud

According to CIFA'S, the credit industry's counter-fraud watchdog, warning signs of employee fraud include:

* Staff under stress without a high workload.

* Marked personality changes.

* Always working late.

* Reluctance to take holidays or to delegate work, especially when on holiday.

* Unexplained wealth or living beyond handsome means.

* Sudden change of lifestyle.

* Customer complaints of missing statements, unrecognized transactions.

* New staff resigning quickly.

* Cozy relationships with suppliers / contractors.

* Suppliers / contractors that insist on dealing with just one individual.

* Rising costs with no explanation.

* Key employees having too much control or authority without audit checks.

* Employees with external business interests.

In a study conducted by Leicester University, over 70% of employees admitted they would commit fraud if they knew they would get away with it. Fraud is estimated to cost the UK economy between £ 13 billion and £ 16 billion a year and fraud by employees accounts for 60% of all frauds charged against business.

A lack of resources means that police response to fraud is patchy, particularly outside outside London. When it comes to gathering evidence, the onus is likely to be on the employer. The problems are also made worse by 'targeted' fraud, which are often organized by criminals. In these cases, an employee, often using a stolen identity is 'planted' in an organization with the express intent of carrying out a fraud.

If you do suspect fraud, we recommend that you take legal advice immediately. You will need to gather evidence that will stand up court but all data gathered on employees must comply with the Human Rights Act and the Data Protection Act. If your doubts are proved incorrect or you act in a way that breaks an employee's employment law rights you take the risk of being taken to an employment tribunal. So always make sure you carry out full identity checks on any new employees.

Source by C. Crawford

Oh, the Approonyms!

Anyone in the accounting industry – regardless of whether it's the United States or United Kingdom – knows too well the confusion so many acronyms can sometimes cause. In the United States, it's the IRS, FTC, ATF, FBI, CIA – and these are just a few of the government agencies that have close ties with the Internal Revenue Service! There are literally thousands of acts, paperwork methods, practices and other aspects that all have their own acronyms.

There is no shortage in the UK, either. For some reason, we all love our acronyms. So, with that thought in mind, we thought it might be a good time to provide a bit of a backstory on the acronyms for all things accounting related. So take a few aspirin for the headache you're likely to end up with and jump in!


This is the International Accounting Standards and it is synonymous with the International Accounting Standards or IAS. They are the collective accounting standards, subsequent amendments to those standards and the interpretations. They also include future standards and those adopted standards.


Statements of Standards Accounting Practice and used for various tax clauses


Financial Reporting Standards; This can include payroll reporting, plant equipment, revenue, employee benefits, government grants and / or loans and countless others.

IAS (sometimes referred to as IASB)

International Accounting Standards Board that is responsible for the standards, interpretations, issues, adoptions, changes and / or exceptions. Think of it as the "keeper of the accounting keys". The Finance Act of 2004 (see below) and in Section 50, a redefining of "generally accepted accounting practices" was provided and included both IAS and UK GAAP. It was to provide guidance especially to foreign countries doing business with companies in the UK. It also works to ensure transparency in everything from leases to revenue to capital assets. Regardless of which standards an entity incorporated, the goal is to keep it streamlined and of course, legal.

FA of 2004

This is the Finance Act of 2004. Before you think, "that was easy", consider this: There are the "Finance Acts of 2005". Yes – "acts" – as in plural! Both of these actions were aimed at ensuring companies that opted for International Accounting Standards the same tax treatment for companies that chose to continue with the traditional UK GAAP. This brings us to …


The United Kingdom Generally Accepted Accounting Practice. This is in accordance with accounts of UK companies that are intended to give "true and fair view for the purposes of the relevant provisions of the Companies Act"

Schedule 10:

Yes, this is not exactly an acronym, but it does refer to the adoption of IAS when one exceptions UK GAAP.

As you can see, these definitions and their supporting harmonics play definitive roles within the UK accountancy sector. Each is designed to ensure transparency and fairness. Those who choose accounting clearly have a passion for those practitioners. For the rest of us, we'll stick to trying to keep up with the ever changing compliance laws associated with the math and numbers in the accounting world.

Source by David D Sprake

News Writing Bloopers – 4 Common Journalism Mistakes

News writing is supposed to be the embodiment of perfectly produced prose. However, the reality is that it is the source of more grammatical, contextual and typographical mistakes than probably any other professional writing genre.

Few are spared, whether they are experienced journalists with high-quality literary skills or rookies with limited vocabulary. All journalists would admit to having certain weaknesses that are manifested in their work. None are immune to mistakes.

Some media outlets employ tougher editorial standards than others but the gatekeepers are all human and mistakes inevitably sneak through.

However, there is a difference between genuine mistakes and errors that defy the language. Unfortunately, there are still many bloopers in print, television and the Internet that are the result of ignorance.

Because no one picks up on these errors, they are allowed to perpetuate and, after a while, these words, phrases, syntax or misspellings morph into acceptable entities, while its original correctness fade.

When learning how to write like a journalist, many cadets are not taught basic language rules. Although there are plenty of examples, here are just four common mistakes that writers all over the world continue to make.

Dilemma – You see this kind of sentence quite often: “He faced a dilemma on whether he should go to Harvard or Yale”. Wrong! I’ve also read dilemma being written as synonymous with problems. Again, wrong. Dilemma is when you have only two choices and both are undesirable. So, if you have a choice between jail and a big fine, then you are in a dilemma. If you have a choice between a promotion at your current job and more money in another job, then that is not a dilemma because both paths are attractive.

Enormity – It appears the traditionalists may be losing the battle when it comes to this word. Enormity, in its original meaning, does NOT mean huge. It is not the noun for enormous, which is enormousness. Enormity actually means the quality of being outrageous, or wickedness. However, it has been so commonly used to refer to great size, it appears even dictionaries have given up because I’ve seen recent editions include both meanings.

Alternative – This is another word to do with choices. However, alternative refers to only ONE other choice. If you are unhappy with your job but you have one offer from another company, then you have an “alternative”. If you have two other job offers, you have “other choices” or “options” but NOT “other alternatives”.

Refute -At one time, the newspaper I worked for banned this word because a building full of so-called experienced journalists from Britain, United States, Canada, Asia, Australia, New Zealand and South Africa were consistently getting it wrong. Refute cannot be used as a synonym for deny. To deny something is to say you didn’t do it. To refute is to prove you didn’t do it with evidence. In addition, don’t confuse refute with rebut. Rebut means to argue to the contrary using evidence. To refute is to use that evidence to prove and win your argument.

These are only four examples from many in news writing. While it is understandable for amateurs or part-time writers to get it wrong, news writing professionals should know better. Mind you, it happens to the best of us and it is simply a case of learning as you go along.

Source by Nazvi Careem

How to Use Hashtags in Your Network Marketing Business

Most social updates are now using hashtags to create personalized conversations with their audience. They are a powerful way to shift from you to them and draw in visits from an audience that is all over. Hashtags are like keywords, but not quite the same. They have the power of a keyword but are used by many people for a singular or dual conversation on a given topic.

The Power of Hashtags and the Effectiveness of your Network Marketing Campaigns

If you’ve spent any time on social media, such as Pinterest or even Twitter. You may have come across hashtags such as #MLM or #networkmarketing. These are hashtags and are tools used by people such as yourself to reach out in an organized way to those who follow these conversations. Hashtags are powerful organizational tools used by businesses to track certain conversations within their given area. Instead of blindly shouting out on Twitter or Facebook, you can gentle enter a conversation with the right hashtag. Direct targeting with hashtags can help you open relationships with your prospects sooner than you think.

There will be other network marketing professionals using the same hashtag or something similar. There will always be competition, so your message is important. A bad message can ruin your efforts. Sharing good stuff with hashtags can create a magnetic effect back to your website or even profile. This doesn’t mean you cannot share your own content. It means that you need to balance out the business stuff with other educational material.

Organizing Network Marketing Social Posts are Easy as Pie

Are you an organized person? If not, you may want to rethink your style. Social media posts that are effective use no more than three hashtags. It’s safer to use too that are the most relevant to your message. The right hashtags will organize your social posts accordingly for maximum value. You do want the maximum amount of pull from each update, right? Some people have a pool of hashtags that they use for various content updates. This may work for your campaign, but don’t go overboard on stuffing hashtags into every social update.

Using hashtags is easy for your network marketing social campaign. Finding the right one or group may not be so. But they can keep your updates organized and moving forward to the right people. This can save you tons of time and saving time means more relationship building time with your leads.

Source by David L. Feinstein

5 Best Books on Wealth Ever Written

1. Think and Grow Rich

Originally published in 1937, this classic best-seller is undoubtedly one of the best books on wealth ever written. This book helped millions of people around the world to achieve their dreams. The author, Napoleon Hill spent a lifetime doing research on successful, wealthy and most powerful people on earth, including Henry Ford, Andrew Carnegie, Thomas Edison, John D. Rockefeller and Charles M. Schwab. In this book, Napoleon Hill revealed his wisdom of research in the form of ‘thirteen steps to riches’ that will change your life.

2. The Richest Man in Babylon

Published in 1926, this classic is considered as one of the most inspiring books on wealth ever written. Beloved by millions, this timeless classic holds the key to all you desire and everything you wish to accomplish. This is the book that reveals the secret to personal wealth. This is the book that holds the secrets to acquiring money, keeping money, and making money earn more money. Countless readers have been helped with this famous book. This book offers an understanding of-and a solution to-your personal financial problems that will guide you through a lifetime.

3. Rich Dad Poor Dad

Rich Dad Poor Dad is the single best personal finance book ever written and has been a best-seller for many years. Have you ever wanted to know why the rich get richer and the poor get poorer or why many highly educated people struggle financially all their life? Then this book will give you the answers. This book will show you how rich, middle-class and poor people spend their money. In this book, the author Robert Kiyosaki gives you some excellent advice that can change your life.

4. Secrets of the Millionaire Mind

This book has appeared on the New York Times best-seller list and was #1 on the Wall Street Journal’s business-book list. In this outstanding book, the author T. Harv Eker teaches you how to think and act like a rich person. According to T. Harv Eker if you think like rich people think and do what rich people do, chances are you’ll get rich too! Using the principles he teaches, T. Harv Eker went from zero to millionaire in only two and a half years. He believes that the key to attaining great wealth begins with thinking because thoughts lead to feelings, which lead to actions, which lead to results. A must read book on wealth creation.

5. The Millionaire Next Door

Millionaires are too often stereotyped as having extravagant lifestyles and irresponsible fiscal habits. But, the truth is more than 99% of millionaires are hard working, methodical savers and investors. In this best-seller, the authors: Thomas J. Stanley and William D. Danko reveal that most of the millionaires are remarkably frugal and careful with their money. Most of the truly wealthy in America do not live in Beverly Hills or on Park Avenue – they live next door. They are the people who own the dry cleaning business, the car dealership, the restaurant chain, the bread company, the jewelry store, the cattle ranch, the trucking company, and the plumbing supply store. Read this book to know how millionaires created their wealth.

Source by Vinay KR Kumar

Seven-Day Cabbage Soup Diet – The Sacred Heart Hospital’s Diet

The Seven-day Cabbage Soup Diet is proven to be one of the best, safest, and quickest ways to lose weight. It is very simple and easy to follow. You will be taking this diet for one week at a time. This is the best regimen for beginners. Dieters like this program because it can be taken anytime, whether morning or evening.

The benefits of the Seven-day Cabbage Soup Diet Plan are the following:

o It is low-caloric. The tendency is that you will not be overeating, thus you lose weight.

o It acts as good filler, thus you will not be feeling any hunger pang or starvation.

o There are very minimal side effects to this regimen.

o Losing weight is very fast.

Here are the ingredients that you will need in order to prepare the meal:

o 6 large onions

o 1-2 cans of diced tomatoes

o 2 green peppers

o 1 cabbage head

o 1-2 cubes of bouillon

o a bunch of celery

o a package of Lipton onion soup mix

On the first day, you may eat all the fruits that you wish except for bananas. You can also take in unsweetened tea, cranberry juice, and water. On the second day, you may eat all kinds of cooked or raw vegetables except dry beans, corn, and peas. On the third day, you may have all the soup you want as well as fruits and vegetables. On the fourth day, you must eat 8 bananas and drink plenty of water. On the fifth day, you may have 10-20 oz. of beef. On the sixth day, you may eat vegetables and meat. On the seventh, you may have vegetables, brown rice, and fruit juices.

Source by Harold McDaniels