this is my 2nd year of driving and none of my insurance quotes are under £1000. this country sux! this is one of the cheapest car on the UK roads to insure. …
this is my 2nd year of driving and none of my insurance quotes are under £1000. this country sux! this is one of the cheapest car on the UK roads to insure. …
Unexpected stop delivers hard lesson in auto insurance
Aug. 10 — Nnamdi Asogwa's green 2010 Camry sits in his Upper Darby driveway, shiny and tagless testimony to the small nightmare he's been living. Asogwa, 33, is a Nigerian immigrant, and a U.S. citizen since 2011. He has a bachelor's degree in …
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How to Lower Car Insurance for Young Drivers
I worked as a waitress at a retirement community earning $ 5.35 an hour to earn that $ 80 a month for my half of the insurance bill, and looking back, I'm so grateful for the lesson in financial responsibility (and I still miss that car). Asking your …
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Modesto, CA (PRWEB) July 28, 2014
At some point in their lives, almost everyone will be in an uncomfortable situation where theyre forced to contact the authorities. Distinguishing the circumstances where this is proper is a little more difficult than it initially seems.
Not every dangerous situation is going to be as blatant as watching a vehicle get stolen, a person get mugged, or a bank get held up. Many dangerous predicaments are a little less obvious, leading onlookers to be more passive than they otherwise should.
The Law Offices of Christopher Der Manuelian want to help citizens recognize the difference between instances of passivity from those where its a persons civic duty to intervene. In his decades of offering legal help in personal injury lawsuits, Mr. der Manuelian knows that a third party picking up the phone can be the difference between life and death.
Its our natural tendency to not interfere in the lives of others, especially if that person is a complete stranger, said Mr. der Maneulian. But every once in awhile, youll stumble across some serious safety issue that simply cant be ignored. While we would never encourage someone to put themselves in harms way, other tactics, including a call to the authorities, might be enough to save a life.
To that end, anyone who finds themselves encountering the following situations are being provided with tips on how to act:
Hot Cars- Should a person ever see a child or a pet left alone in a car, that person should place an immediate call to 911. Pets and young children dont sweat like adults do (as pointed out in this August 4, 2011 WebMD article entitled “Danger: Kids Left in Hot Cars”), and even a few minutes in the sun on a mild day can make the interior sweltering. Dial the police, and also think about breaking a window to get the child or pet out of the vehicle. If it comes to this, make sure to protect the occupants and yourself from shattered glass.
Drunk Driving- Anyone who sees another vehicle behaving erratically should dial 911 to report the prospective drunk driver. Its best to have a passenger do this to avoid distracted driving laws in place in California and other states. Telltale signs of intoxication include an inability to maintain a consistent speed, veering in and out of a lane, and delayed reactions at stop signs and red lights.
Reckless Driving- Whenever a person gets it in their mind that they have to ride directly behind other vehicles in a threatening manner, or if they begin to gesticulate and curse, other drivers are within their rights to call the police. In the meantime, the best course of action is to slow down, get in the right lane, and let that driver pass by.
Spills- Although wet floors and spills may not immediately scream danger the way some of these other points do, one false step is all it takes for an individual to sustain a debilitating injury. Persons who detect a spill or some other tripping hazard ought to flag down a manager or property owner to alert them to the danger.
Prowling- Persons who know their neighbors are out of town or not at home should take note of strangers circling a residence or spending an inordinate amount of time peering in the windows or trying the front door. Call the neighbor if their contact information is readily available, or speak to the police if behavior seems suspicious. Do not confront the person yourself.
Texting and Driving- Individuals who find themselves as passengers of vehicles should speak up if the driver takes out their phone to talk or text. Ask them to kindly pull over or wait to communicate, or even offer to send the text or talk to the person on the other line.
Car Crash- Whenever a person witnesses a collision, he or she should pull over near the scene, verify the condition of those involved, and call the police. In addition to getting emergency assistance there quickly, a witness acting in this manner will be able to lend their vital testimony to subsequent police investigations, insurance inquiries, and lawsuits.
The Law Offices of Christopher Der Manuelian are a Modesto personal injury law firm. With more than 26 years of litigation experience and a list of notable successes under its belt, CDM Law has long been a touchstone of the Northern California legal community. For more information about the practice, including its work in auto accident litigation, workers compensation, premises liability, and other personal injury matters, click here. Free consultations are offered to all those who believe they have a case.
New schizophrenia treatment, pioneered in Maine, shows promise through early …
So far, the results have been striking: In Portland, Maine, where the treatment was pioneered, the rate of hospitalizations for first psychotic episodes fell by 34 percent over a six-year period, according to a March study. And just last month …
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Aftermarket Add-Ons Will Make Any Car Smarter, for a Price
When we talk about driverless cars, we're often starting with the concept of a whole-package model — such as Google's now famous laser-and-sensor prototype — one that's already navigating selected routes in California. But there's another frontier in …
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Chicago, Illinois (PRWEB) July 08, 2014
There are many things to consider when you decide to rent a home or an apartment. Securing the unit that is right for you does not only consist of setting a realistic budget based on the market in the area you are planning to rent. It is also important to have an idea as to what qualities you deem must haves in your prospective home. To ensure your due diligence in the rental search, here are ten helpful tips for renting in Chicago.
#1 Know your budget and what it covers
It is well known that certain areas of living cost much more than others. For example, renting in a small town is very different than renting a big city like Chicago. Not only are costs higher in big cities, but certain amenities that might be included in your rent in a smaller town could cost extra in a big city, such as parking or additional storage space. Be sure to establish an understanding of the average rental costs in the area you are planning to search and what those costs usually cover. That way you have an idea of what you will be spending and what exactly it will cover.
#2 Consider the extra expenses
In addition to paying rent or an added fee for parking or more storage space, you are likely to be responsible for paying other utilities such as electricity or gas, water, and/or waste disposal. For example, some properties might cover certain utilities such as heatthis could amount to huge savings if you are considering renting an older unit where the cost for an amenity such as heat can be a pretty penny during a cold Chicago winter. Check with utility companies to see what the previous tenants paid at that address. Rent may be higher than another unit, but it could be because the unit with the higher rent covers certain utilities or amenities which reduces the amount of stress and bills you have to pay.
#3 Take the walk-through seriously
When utilizing the internet to find a rental, never depend on the pictures posted alone in making your decision. ALWAYS SEE THE UNIT AND CONDUCT A WALK-THROUGH. Failure to do a walk-through can lead to costly problems in the future for damages that may have been pre-existing. Before signing, you want to take inventory of all the appliances and their condition and more importantly make sure they work properly! Also, take a look at the walls, floors, ceilings, and doors and document any pre-existing damage to avoid being held liable upon moving out.
#4 Understand the security deposit
Be sure to have a clear understanding of your lease or rental agreements use and refund of security deposits as well as any allowable deductions.
#5 Location! Location! Location
This goes back to knowing what you must have in a potential unit. You might drive a car and be adamant about finding a place with free or on street parking, but if you work in or near the city it might mean you need to rent in a location that is accessible to public transportation so you can spare the expense of gas and time getting into the city. If you like peace and quiet you may want to steer clear of units located near the L. Do you mind having to leave your apartment to do laundry? What about paying for laundry? Some rental properties have washers and dryers on site that charge per use and others may have them in the unit. Knowing your must haves will allow you to plan your search area/property accordingly.
#6 Talk to a current tenant
Find out how current tenants like living there. Ask about their likes and dislikes. Ask about the landlord–is he or she attentive to the property? Is he or she responsive to tenant requests? You should ask about other tenants. Are there any noisy tenants in the building? You would be surprised what you can find out just by asking current tenants about their likes and dislikes. This can be the last line of defense before finding yourself in lousy rental situation.
#7 Get a feel for the neighborhood
Just like knowing what you want in your living space, be sure to know what type of environment you will be living in. Like to shop? Are you a foodie? Love sports and sports bars? There is an area in Chicago that fits your interest and an understanding of what you are looking for in the community will help you find it.
#8 Control what can be controlled
Desirable rentals have short listing lives, which is something beyond your control in a competitive rental market like Chicago. However, you can control having all those documents landlords and management companies will likely ask for in deciding who to rent or lease to. Make sure to have money saved up and ready to pay towards the security deposit and first and last months rent. You do not want to waste time securing funds if you do not have to. If you do not have the funds in hand be sure to have copies of references and signed letters from your employer or cosigner to establish you are able to make the monthly payments.
#9 Purchase renters insurance
Do not depend on your landlords insurance policy to protect you against losses or damages, because they normally dont. Renters insurance is an affordable way to protect yourself against losses due to theft or damages caused by others or natural disasters, and it will protect you in the event someone sues you for damage caused by your property.
#10 Get everything in writing
Avoid misunderstandings! Hold onto your lease and any other correspondence between you and your landlord. That way you are always able to refer to your records and not rely on oral agreements or implied understandings.
This top 10 list was written by Robert Lattas of Lattas, Felton and Minkus, LLC. Lattas, Felton & Minkus, LLC is a full service real estate law firm. To find out more about Bob Lattas and the services his law firm offers, visit their website at http://www.lfmlawgroup.com.
Find More Car Insurance Tips Press Releases
Seattle, WA (PRWEB) July 31, 2014
Paying less for a motor vehicle insurance policy is now possible for motorists who use the Auto Pros website this year. There are now car insurance companies reducing annual prices that are listed inside of the public portal for research built at http://autoprosusa.com/auto-insurance.
The annual price drops that are now attached to a policy that exists inside of the search portal are not limited to basic coverage policies. A driver has the freedom to select a high risk, full coverage, liability or collector coverage plan in order to evaluate price savings that are issued.
“Motorists who depend on a definite resource to explore insurer costs annually will benefit from our statewide database that is now active,” said an Auto Pros company source.
The agencies that are featured in the system are grouped by state and do require a zip code from each driver who requests a policy price. The full display of pricing is enabled inside of the system once a zip can be matched to a U.S. town or city. The system has no restrictions on the amount of prices that are requested for each entered zip code.
“The long process usually required to price car insurance is eliminated using our website and companies are directly competing for motorists,” said the source.
The Auto Pros company is continuing opening up its portal for drivers to depend on this year for insurance research. The system has been enabled since the first of this year to produce warranty rates from agencies that specialize in used vehicle warranty coverage. These plans are equally viewable for prices at http://autoprosusa.com/auto-warranty.
The AutoProsUSA.com company supports the public through its database system on the Internet that is used to search companies in the insurance industry daily. One of the very first public systems to search insurers was introduced by this company in 2012. The AutoProsUSA.com company adds different formats of insurance and providers inside of its search database every single month of the year to provide the public with a dedicated search resource.
Seattle, Wa (PRWEB) July 11, 2014
Growing old was thought of as a fate that was far worse than death back then. However, in recent studies, it was shown that many of the myths people associate with aging have essentially no credence behind them. As it turns out, the elderly can still live quite as fruitfully as their younger counterparts can do.
Of course, with all the time in the world, older people also need to live a kind of lifestyle which allows them to indulge their passions in the twilight of their lives. This is why Guy Coalter, the founder of BargainSecrets.com and a current-day senior citizen, has developed Its All Free For Seniors, a useful guide for the elderly which allows them to take advantage of the numerous perks which come with being a senior citizen in todays society.
Specifically, Its All Free For Seniors shows numerous tips and techniques on which the elderly can use for their everyday activities like:
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Midland, TX (PRWEB) July 25, 2014
American motor vehicle owners who are at higher risks for accidents or unexpected collisions can pay higher premiums for vehicle insurance on average. The Quotes Pros company has enhanced its local insurer network to provide SR22 insurance for high risk motorists this year at http://quotespros.com/auto-insurance.html.
The different coverage network of local agencies providing direct price quotations for risk based policies has expanded the search platform now publicly available for any car owner to access. One advantage to using this new platform is the way that price information is generated when requested.
“We’re one of the few websites offering a way to look up or compare insurance policies by zip code and have organized our tool to extend privacy to car owners,” a Quotes Pros rep said.
The national finder that is available for American vehicle owners to access from the Quotes Pros website has the capability to produce different coverage formats aside from high risk. A person who is interested solely in liability, non owner or full coverage options can directly quote these packages.
“The entrance of a zip code is the first step to sorting through our system and various providers can be reviewed to find the right automobile policy,” the rep included.
The Quotes Pros company is also showcasing various formats of insurance coverage that are not automotive related this year. Consumers can easily access the life insurance, renter insurance and homeowner plans good for all states in the USA at http://quotespros.com/renters-insurance.html.
The QuotesPros.com company has adjusted the types of insurance policies that can be obtained through its public resource this year. New rates for life, renters, health and renter policies can now be extracted and compared by consumers online. The QuotesPros.com company adds insurers to its platform as new companies are researched to help provide a simple way that the public can obtain rates for different coverages requested.
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