Many people raise their car insurance deductibles to have more affordable car insurance premiums. By doubling your insurance deductibles, you can reduce the price of your premiums by up to 40%.

However, this is only a good idea if you have money saved to pay the deductible if you have an at-fault accident. If you can’t easily access this money, you may not be able to pay your share of the repair bills, and your car may not be fixed in a timely manner. Worse yet, you could be required to pay for a portion of someone else’s property damage and be unable to do so. Many people without large cash reserves must keep their deductibles low. However, to do this, they often have to pay higher premiums.

Is there a way to lower your deductible and still keep your premiums manageable?

There are several ways to achieve this goal. Each method requires some planning and discipline, but can be achieved by anyone looking for a low deductible and low premium.

First, you can choose to insure yourself with a company that offers a “disappearance deductible” program. Under these programs, your deductible decreases by a fixed amount each year that you are accident-free and claim-free. Some of these programs allow you to lower all of your deductibles, and some only allow you to lower your collision or liability deductible. Different companies offer different amounts for the deduction and at different rates. You can compare programs to find one that works well for you.

Another option is to create a plan where you gradually save your deductible amount while slowly increasing your deductible every six months. Here’s how this would work: Assume your current deductible is $250, the lowest your company allows. Now suppose you would save $100 per renewal period by raising your deductible to $500. If you do that and save the money you saved on your premiums, plus your initial $250, you’d have $450 in a year, almost enough to pay your new deductible. You can keep saving money so you can gradually increase your deductible to $750 and then $1,000. You can even choose to raise your deductible higher than this if your carrier allows you to do so. As your deductible slowly increases, your premiums will decrease, saving you the money you’ll need to pay the new, higher deductible.

You may also find a company that offers “accident forgiveness.” With accident forgiveness, you can be “forgiven” for your first accident with no deductible if the accident does not exceed a certain dollar amount in total cost. This is very useful to save your deductible fund if you have a minor accident. You can also save money and pay for damages yourself if the accident is very minor; This way, by not making a claim, you keep your premiums lower and you don’t have unexpected increases in the price of your car insurance.

Other ways you can lower your deductible are to request a deductible reduction with your insurance company, which can be balanced against other discounts you may be eligible for. If you’re not currently taking advantage of all possible discounts, you may be cheating yourself out of savings that could pay for a lower deductible.

Be sure to consider any separate deductibles that apply to your policy as a whole. If you have full coverage, including liability, comprehensive and collision, you probably have separate deductibles for each policy. Also, you likely have a deductible for things like uninsured motorist coverage. Some states set by law the deductible for uninsured motorist coverage; you can’t raise that deductible even if you want to. However, most states allow you to pay with your comprehensive and collision policy deductibles, raising or lowering them as you see fit.

Many people love the idea of ​​a hybrid, but are concerned about hybrid performance in the dead of winter. To answer this question, I took a Kia Hybrid for an extended 2-day demo. Lots of people write about how the Kia Hybrid performs in winter in places like Vancouver or Chicago, but Winnipegians will only trust a real Winnipeg test, so now we’re giving you the real Winnipeg test in January. By the way, Winnipeg’s average temperature in January is between -23 and -13 degrees C.

The Kia Optima Hybrid I drove was a 2012 hybrid that had an MSRP of $30,895 plus freight, fees and taxes. Currently, as of this writing, Kia is showing a $3,400 rebate on this vehicle that puts it on par with its non-hybrid counterpart.

When I was given the keys to this vehicle, it was 6pm, so it was already dark. The car was parked in the back lot where it hadn’t been used for the last 30 days or so. It was a cold January afternoon (-18 degrees C) and the car was sitting under 6 inches of snow and parked behind a row of 8-inch-high snow plows. After cleaning the windshield and driver’s door, I jumped in and hit the quick start button. It started up immediately and the seat quickly adjusted to the preset position. I let it warm up for a minute while I shoveled the rest of the snow off the top of the vehicle. When I got back in the vehicle, I turned off the traction control and pulled out of the snow I was parked in. I drove the car up to the building and put a license plate on it. When I got back to the car it was already warm. This went much faster than I expected and I was impressed.

The first thing customers want to know when it comes to a hybrid is what the fuel economy is. Will you save enough fuel to pay for yourself? The second is how long will the battery last and how much will it cost to replace it?

Let me address the second point first. In Canada, Kia has put a 96-month, 100,000-mile limited warranty on the entire hybrid system. So if your battery fails within the first 8 years or 100,000 miles, you’ll be covered. This will mean that for most consumers battery life and replacement value are not issues.

Kia Optima Hybrid is in the Guinness Book of World Records for “Lowest Fuel Consumption, US 48 States – Gasoline Hybrid Car” as verified by a Guinness World Records adjudicator. In this exhibition they achieved an average of 3.3l/100km. The only thing we find in Winnipeg in January driving through the heart of the city is that you can throw the energy ratings out the window. Regardless of the vehicle you drive, the ratings will actually be about 75% of the actual gas mileage. Others may argue this, but with my driving style and vehicle use, I generally find these numbers to be accurate no matter what vehicle I drive. This was true with the Optima Hybrid. Energuide ratings for this vehicle are 5.8 l/100 km for city driving. Energuide ratings for the non-hybrid Optima are 8.6 l/100 km. The actual mileage I found for these two vehicles in this condition was 8.1 for the Hybrid and 11.7 for the GDI Optima. The Optima Hybrid continues to save a considerable amount of fuel in Winnipeg in the winter compared to its non-hybrid sibling. However, a disclaimer is that the vehicle did not function as an electric vehicle until about 17 km into the trip, so it was sitting at 11-12 l/100 km until the last km where it started to function fully with the EV and average gas mileage plummeted.

So for those wondering if the Hybrid will pay for itself, in this app the answer is a resounding yes. Current rebates on the hybrid make this vehicle similar in price to the Optima EX. So the purchase costs are about the same regardless of whether you choose Hybrid or Gasoline Direct Injection (GDI). If the vehicle travels 100,000 km with this difference in fuel consumption, the savings will amount to $3,780. This number is based on fuel at $1.05/liter. The savings will be greater at higher gas prices. Remember this is based on winter driving only. This will increase for anyone traveling more than 20 km per trip. As stated, the EV motor kicked in after 17km, so gas mileage started to improve considerably. At the other end of the spectrum, if you use your car only to go to the store and buy a loaf of bread, you may not notice any winter savings. I will point out that while driving the Hybrid in the summer, it was running full EV when I went around the block.

So for all of you asking me if a hybrid can withstand our Winnipeg winters, I’ll say “definitely.” It started to get cold after a long stop, handled well on snow-covered roads, saved fuel in the long run, and is priced competitively with the non-hybrid version.

Preparations were underway…

The food was hot, delicious and plentiful. They had all eaten to their satisfaction. Their throats were filled with revelry, joy and family. Many could not participate in such fine clothing, delicacy or domicile, because they had none.

Many jumped up and ran to the door. Some took a siesta and rested from their great ordeal with the plate, the spoon and the fork. They, some, prepared for the day of work and service the next day, while many gathered their currencies, plastics and smartphones in preparation for the so-called black day. Some gave thanks while others did not. Because they lived across the road.

The day of celebration of the great birth was festive. Many were worried about those who hadn’t, while many simply leaned in and out, inadvertently overlooked, ignored and dismissed. Although, in large part, due to invisibility and selective and mindless ignorance. Unemployment also depended on pins and needles. The session of debate, decision and running for the door was his only hope. The hopes were shattered, spat and destroyed with the transverse footsteps of the end of the session that escapes oblivion. Their distant domiciles were kept hidden from the masses and the media: the eye of truth, justice and freedom for all, especially those on this side, across the road.

Bright lights and babies squinted and widened the eyes of the pious and the amazed. They ran across the road to see what was shining next, what was the cheapest or the most expensive, the best, the biggest and the brightest or the most. Post-acquisition, trinkets and loot were returned to luxury residences and preference, via doors, windows, and chimneys, all of which are neither required nor offered along the way. In a word, they ran away and denounced things as ridiculous, the words written in a pretty good Book:

“This,” says the Lord, “do not learn the way of the nations, because the nations cower before them, because the customs of the people are vain; because one fells a tree in the forest, the work of laborer’s hands, with the They adorn it with silver and gold, they secure it with nails and hammers, so that it does not move.
~ Jeremiah, Chap. 10~

Can’t you see, oh, across the way?

The ball fell and fell over the post. They ran down the road to see… The new year seized a jubilant and cheerful demeanor. Will it be short-lived? I think so… The old and the weak stayed away from the celebration for fear of being trampled by the crazed crowd, as they tried to get the best spot – on the other side of the road.

The people, who did not know what they were doing, boasted about the image of Him with false looks. His head and his hair were white as wool, as white as snow, and his eyes were like a flame of fire. The Trojan lands were under siege.
“I know your works, your tribulations and your poverty, but you are rich and I know the blasphemy of those who say they are Jews and are not, but the synagogue of Satan”, although Enoch walked with God on the other side of the road. .

Cain dwelt in the land of Nod, east of Eden; the earth giants were sons of angels and the human female. The daughters of men were indeed beautiful.

Crowds of the unemployed were holding on to hope in a tense attempt to believe that the chosen ones would sooner or later do the right thing, for those who stood in the way. They ran across the road, in pursuit, in a foolish attempt to evade the Most High, to escape the avenging archangel in the night, or Satan himself, to catch the Black Man naked before he could reach the safety of freedom. across the road.

Those who were on the other side of the aisle stretched out with tense limbs, stretched out with contending goalkeeper, striving to show them the light of the righteous.

“Do not leave the session now, do not leave when we are needed most, your homes are intact and well equipped. Is it not our duty, our responsibility to make sure that everyone is equally safe? Is it not our duty to provide so that they can to get there, to the other side of the road? We beseech you, to the last righteous and sober soul, turn inside and live up to the honor that has been bestowed on you; for the people, by the people, and for the people Even if a creed does not support the other, colloquial destiny is one.

Cherries and fantasy envelop the living belief of life within the liquid crystal display. Several dinnertime survivors sit anxiously awaiting their turn to contribute their experience of the day. The loving pride of parents casts a mighty beacon throughout the city of the land of liberty. The totality of the union, (for the moment), superlatively overwhelms the surrounding host of despair. Lack of unity is the greatest sacrifice humanity has ever made: surrendering to Satan. His power lies in the destruction of humanity. Many are deluded into following and believing in individuality, contempt, separation and isolation from the masses. As long as we are not able to understand and communicate with each other, how can there be total cohesion, peace and equality between us? Believing that one is more powerful than the other, better than your God, the curse launched on those who built the ‘Tower of Babel’, falls and spreads throughout all the lands of the world, on the other side of the road; allowing the victorious smile of Satan.

The gladiators of the iron grid, the hoop and the diamonds of the earth, the ring of passion and the rope, or the Olympic tests, receive greatness from admiring eyes. Wealth and wealth has fallen to them. Who is now the master and who will be the servant? Cold cereals, razors, sodas and beer are presented with scantily clad, fair-skinned women proudly flaunting their breasts and buttocks, supported by rich green bucks of slimy booze-soaked Neophytes and Neanderthals slapping each other on the back. back. Waitresses are pinched, kissed and slapped in the name of playfulness, subtlety and lust. Big screen television with realistic dramatizations and alienations saturates the rampaging horde in abundance. The studious husband of a flirtatious wife caught the scope from across the road, even though he had completed his doomed date for breaking the pact, coming back from the other side of the road.

Complaining and moaning, because the snow did not stop falling when they wanted. Did the snow fall on purpose to ruin their day, to ruin their plans? What are the benefits of snow while shoveling and throwing things over there on the other side of the road? Have you been sick? I had a cold? What do you think happens to the spit that’s all over the sidewalks when old, dirty snow is melted, shoveled, scooped up, and piled up there, across the road?

Cars, buses, trucks, trains and planes have all succumbed to the wrath of winter weather. Its highways and byways covered in white fluff and cold as ice. The trees, many of them old, reluctant to support the weight of things that fall from the sky. They decided and were forced to bend and break and use suburban houses and support poles as shock absorbers on their way to sidewalks and quiet land, across the road.

Humans, many of them from highly secure and “wealthy” means, were suddenly and abruptly denied their basic needs. Never mind those who have lived their lives continuously, without the things they take for granted.

Cold winds howled and blew. She huffed and puffed and knocked everything down. The water pipes froze and burst. Many wiped dry mouths thirsty for lack of a glass of water. After several days, the agony began to drive them insane, on the verge of murder. The lights were off. TV didn’t work. The Kindle did not turn on due to dead and drained batteries. Nowhere was there any convenient, everyday, ordinary power of any kind. Transportation was no longer an optional package of consideration for them here on the other side of the road.

The car started fine, but it didn’t help, it didn’t help. There were no longer any amenities available for the cute little cul-de-sacs that were now pits of grief and despair, brewing an inevitable pending platform for starvation. Electrical wires and hot, live power lines were untouchable, inaccessible. There were no more matches, paper, or wood available to heat the fireplace. The gas grill was empty of propane. The charcoal grill killed some families who didn’t want to freeze to death in the safety of their broken, vandalized and exposed homes.

One guy wondered, “What did the Indians do? Are we going to die like the pilgrim settlers, leaving the safety of the ships that took them here to the Americas? They got stuck in hundreds of feet of snow and started eating each other to survive. What did they use for cooking? Where are the Indians when you need them? They could help us survive! Will someone please tell us what to do? Do?”

Some of the residents were lucky enough to make the circuit of hostels. Two weeks later, the repair crews were tireless in their dedication to restoring power to the various communities outside of the city.

The stocky Black Man, a power company supervisor, addressed the abandoned, destitute, and depraved semi-homeless vagrants. He paid them a cordial visit, simply to reassure them and update them on the daily progress of the power teams. He wanted to let them know how soon they could start going home. But that was not to be. Wild and unjustly attacked was he. They hit him with verbal assaults from every direction. They wanted satisfaction now, right now.

“You’re telling a bloody lie! We’re tired of waiting for your worthless useless slow jaws!”

He tried in vain to calm the people down, none of whom looked like him. When he failed to bring peace and control to the raucous group, he searched for his belongings that had been taken from him. His lunch box, books, and papers that he had brought to the meeting were stolen, and his outer clothing was removed. They were also confiscated. He bolted out of the room yelling into his cell phone and his radio for help that would never come. Losing the radio as he fled for his life, the rampaging entities of the helpless slum dwellers in the guise of chalk-faced zombies, powered up and began attacking each other. They couldn’t see eye to eye, they couldn’t reason with any shred of sanity. They came from there, from opposite.

Wind, rain, snow, and ice stopped falling; then, after six hours had passed, they began again for another twenty-four hours. Everything was stopped and subsidized, then it was gone completely. It was clear that someone, something was watching them. That, They, She or He was watching to see how the tables had turned, how the tide had fared… The One who is the Most High, the One who sat down and watched them from the media, when it was all over. He saw what they did, how they did it… from there, across the road.

Until next time…

If you ski or snowboard, ski goggles are an essential part of your sports equipment. A day on the slopes without a good pair can be uncomfortable. Add extreme weather and it can be downright miserable. Your ski goggles offer many types of protection: UV protection, glare protection, and because they are relatively large, they offer wind protection over a good portion of your face. In addition, the ski goggles’ large lenses offer excellent vision, including peripheral vision.

Advances in the materials used for frames have resulted in flexible materials that hold their shape and, because they do not become brittle in the cold, offer optimal protection for the face. These materials include some rubbers, nylons, and a variety of composites.

UV protection, anti-fog, and ample vents are considered must-haves, but within those categories alone there are many options, thanks to advances in technology. Now you can choose specific ski goggles for the activity, the light conditions and the weather. While there are plenty of manufacturers offering advanced technology in their goggles, we’ll take a look at Smith’s Performance series to get an idea of ​​what kind of technical advances there have been.

Smith has set the industry standard for consistent air management. There is an electron micro fan that runs quietly and continuously for up to fifty hours on low mode. Strategically placed vents draw in air to eliminate fogging, offering seamless, continuous vision. In extreme situations, you can turn on the high setting.

Carbonix-X distortion-free lenses are ideal for regulating airflow, and when combined with moldable foam, you get the perfect blend for perfect distortion-free vision. This type of lens can also increase air circulation, thereby eliminating fogging, making the goggle perfect for high speeds and deep dust.

Perforated Membrane Technology or PMT allows moist air to escape from inside the goggles, thus preventing them from fogging up. If you are one of the people who is not happy without reliable anti-fog lenses, you will want to make sure your glasses incorporate this technology.

Other advanced technology making its way to the slopes can be found at Recon Instruments. Your goggles will include a bunch of cool features: built-in GPS to guide rescuers to you if needed; trail maps that can even provide the positions of your ski buddies; the ability to answer a cell phone call midway; statistics feedback that can give you your performance in terms of speed and jump height; ambient temperature and mountain altitude, and probably more. That is just the tip of the iceberg.

Smith goggles have introduced what is called stabilizer positioning. These designed strap accessories can offer optimal comfort and maximum performance. The goggles are designed to transfer pressure across the nose and forehead to provide a complete seal. They can be worn with or without your helmet.

Sweatbuster foam has become very popular because it is designed to wick moisture away from your face, keeping you comfortable and dry. When combined with hypoallergenic foam for an optimized temple fit, you’ll wonder how you ever lived without these features in the past.

Advances in ski goggle technology have made great strides and that has resulted in skiers and snowboarders enjoying a more comfortable and safer day on the slopes. There are likely to be many more breakthroughs in the future.

With a variety of anxieties looming, it’s time to add one more to the list!

Range anxiety (pun not intended!) is the fear that your electric vehicle’s battery will run out of power. With electric cars coming closer to the market, it was only natural to have an innovative idea of ​​dynamic charging, which refers to charging an electric vehicle, on the move, without the need for charging stations. However, the idea is futuristic. What is in the loop is wireless charging. Currently, Plugless Power, which is a brand of EEVATRAN, is the only company that supplies wireless charging systems, but for the aftermarket. The company plans to enter the OEM market in China and has already signed an agreement with a Chinese manufacturer. Companies like Qualcomm, Witricity, Bombardier, Momentum Dynamics, etc. they are still in the early stages of the market and aim to launch their OEM products in 2018.

An India-based market research consultancy draws up the trends in global wireless charging for the electric vehicle market. According to estimates, the market will grow at a rate of 43.6% in the next five years.

Say goodbye to painful cable charging and hello to new technology in the city: all you need is a strategically placed station and charging pad, to breathe life into cars, again.

In all its simplicity, the necessary components are a pad on the ground and a receiver mounted on the bottom of a vehicle. Inductive charging is used in the EEVATRAN wireless system. A magnetic field is created by passing electricity through a coil. One coil is placed on the ground and the other is attached to the underside of the vehicle. The second coil which is placed on the ground, must be connected to a power source and is waterproofed for outdoor use.

Tech giants like Qualcomm have entered wireless charging for the electric vehicle market, with Qualcomm Halo Wireless Electric Vehicle Charging (WEVC) technology.

How will technology affect the market?

The electric vehicle market is expected to witness an increase in sales. Additionally, an increase in electric car ownership is expected, due to the ease of charging. This, in turn, is expected to increase demand from wireless charging system infrastructure manufacturers. However, demand for conventional cars is expected to take a hit with the advent of wireless charging for electric vehicles.

Now, here is the bright spot for investors: the market is expected to see strong growth for 2018, due to many company-related activities or product launches taking place in that particular year. Furthermore, the market is anticipated to rise rapidly, owing to the increased awareness of global warming issues, depletion of fossil fuel levels, etc. This is a future market, which is about to peak by 2022-2025. Now, isn’t this a golden opportunity for investors to participate and also do their bit for the environment?

Get ready for the next big thing!

If you are a business owner with a fleet of vehicles under your control, you may be interested in learning about the benefits of using GPS fleet tracking systems. The purpose of the data generated by this type of device is to help you protect your investment. The concepts of these devices are really outstanding and the data is really useful to effectively manage routes and extract information that can be used in a wide range of management processes. If the business you run operates multiple vehicles, you’ll be amazed at how it works and what information you can collect from this simple yet remarkable device.

A GPS fleet tracking system connects to satellite mapping services, allowing you to provide essential navigation information at street level. Distinguishing truck routes is also possible with a fleet tracking unit. Minute by minute the exact location of each vehicle can be identified in addition to the history of each particular vehicle. By combining this information with accurate maps, the proximity of vehicles to particular locations is also possible. When road closures or other obstacles prevent driving on a standard route, new instant alternative route calculations can help drivers reach their destinations with limited delay.

Mapping and navigation aren’t the only things fleet tracking technology is capable of. Suggestions can be made on how to save on fuel, which continues to enhance the value of your investment in the fleet of vehicles used for your business. Plus, maintenance history and future schedules can be documented so your vehicles always stay in good condition.

While all of these are helpful in vehicle maintenance and productivity on the road, fleet tracking units can do even more. Traffic violations do happen with even the best drivers, but they may not be willing to admit it. GPS fleet tracking devices have notification and alert systems regarding unsafe driving, traffic violations and habits that limit fuel economy. Simply receiving this information is not enough, so you have the option of using this information to retrain some drivers who seem to have problems with the company’s driving protocol. Additionally, when drivers display exemplary driving performance and consistent time card accuracy, such behavior can be rewarded in a bonus program. There is no end to the possibility of using fleet tracking devices for your company vehicles.

What do you think is the number one cause of divorce or breakup in relationships? business? Money problems? Boredom? Let me give you a hint:

Albert Einstein said the following: “Men marry women in the hope that they will never change. Women marry men in the hope that they will change. Invariably, both are disappointed.”

If you read that quote carefully, you will see the ticking time bomb that is ticking under 85% of relationships today. Let’s break it down.

“Men marry women hoping they will never change.” Why? Because once a man gives up his precious, hard-earned freedom for a woman and asks her to share her world with him, he has decided that this is the person who fills his life. She brings him something that he cannot get for himself. He envisions a life of love, support, and joy with this woman. He is probably physically attracted to her. His hope is that all these factors never change.

“Women marry men hoping they will change.” Let’s face it, ladies. We are so guilty of this trait. We see the potential in a man. Do you have a beer belly? We will encourage him to go to the gym once we have the ring on his finger. He Isn’t he taking six tricks? With our encouragement and support he soon will be. Is his mother too involved in his life? Once the honeymoon is over… so are mom’s visits. We don’t like her haircut, her choice of golf shirts, the time she spends with the boys, the TV shows… the list goes on and on. With a little help, spitting and polishing, this guy could be quite the catch. Do you see the difference between the two quotes?

I have worked with women for over 30 years. I have interviewed over 2,000 men. I know that the above statements are true. And if you can’t discern where that tick is coming from, let me give you a hint.

When a person constantly puts themselves under a microscope in an effort to see all of their faults, shortcomings, and shortcomings, that person begins to diminish. His life now is one of constant criticism, come-ons, the silent treatments, anger and shattering his dreams. I have seen it so many times. It begins as what the woman perceives as harmless suggestions about her hygiene, fashion sense, choice of friends, etc. Her intentions are honorable, right? I mean, she’s just trying to help the poor guy have a better life, right?

If you look deeper into the real motivation behind women trying to “improve” their partners, you’ll see the real impetus. They are your own feelings of low self-esteem. She needs the world, especially her friends and family, to see her with someone amazing. This human being that she married is a reflection of what she was able to capture and, in a sense, is a criterion of how “she measures up.” Her annoying traits may reflect her own that she is unhappy with. On a subconscious level, she feels that by “straightening it out” she has addressed her own problems.

The reason belittling, undermining, insulting, and underestimating your partner is so dangerous and damaging is that it will eventually erode his feelings for you and himself. Affaires are usually started out of a person’s need to feel loved and admired, at all costs. We are closing off the very person we think we love and be with. Why is it so important for us to separate them now? Seriously, who gave you the right or power to take someone else’s self-esteem and smash it into the ground?

You can defuse the bomb with a simple trick: start looking at it with eyes of love and appreciation. he’s human. He’s going to screw up from time to time, just like you. The next time he is tempted to point out something he did wrong, think about his latest mistake. Did you spill the milk? Break a plate? Are you late for work? Losing car keys? We are so used to ignoring our own flaws while walking around with a magnifying glass and a sniper gun hoping that our loved one is wrong. Nothing…and I mean NOTHING will kill a relationship faster.

Please… let him breathe. Let it be human. When you start appreciating him for everything he does for you, how hard he tries to do the best he can with what he has, you’ll start to lose the habit of blaming and belittling. You will see this boy blossom before your eyes as he feels loved and admired. The men I surveyed listed being admired and appreciated as the top two things they crave from their women. Take it from them and you will see someone who has become a shell of his old self.

If you continue to feel the need to be in control and hurt others, you need to address your low feelings of self-worth. You can only give what you have inside. If you can’t give love, appreciation, and support, then there is a hole inside of you that needs to be addressed.

Dr. Wayne Dyer has a favorite quote of mine: “When you change the way you look at things, the things you look at change.” Believe me, when you change the way you see him, and see him only through the eyes of love and appreciation, he will change. But not for the selfish reasons we listed above. Rather, he will become the man HE always wanted to be and you will have a relationship that fairy tales are built on.

The Holy Grail of car audio wiring kits is the ability to purchase something at a fair and reasonable price. However, the words “fair and reasonable” are often open to interpretation. That is, a person might walk into an electronics store and see several subwoofer speakers on the shelves. Some may cost $199 and others may cost $1,999. Now really, is there a big difference between the two? Can’t you hear the same sounds from the $199 speakers that you would from the $1,999 ones? This is faulty logic that leads to buying the wrong system. No, cheap is not always the best strategy to employ. Let’s look at some reasons why…

System life, for example, should always be a factor when shopping for car audio wiring kits. When you buy a low-cost system, you may get an offer at the time of purchase. However, the system you produce may not last long. Performance will degrade as the wiring begins to age and wear out. That means the audio system will need to be replaced in a very short period of time. In terms of simple math, you’ll need to go out and buy a new system. So if you spent $199 on subwoofer speakers and they needed to be replaced, you need to spend more money to get a new system. Buying another $199 system means you’ve spent $398 on speakers that aren’t very good! And, yes, that second speaker system would have to be replaced in the future as well. At this point, you’ve probably realized that buying a more expensive speaker system would have ended up being cheaper in the long run.

It’s also important to note that when you go “cheap” with your subwoofers, you will notice a difference in sound. Basically, most cheap systems don’t offer the sound quality that a higher quality system does. As such, a cheaper system basically defeats the purpose of buying the subwoofer in the first place. After all, you’re buying the subwoofer to greatly expand your audio experience. Buying a subwoofer that does not meet this would not be very beneficial.

Of course, it’s also important to recognize the difference between cheap products and price cuts. When a $500 system goes on sale for $200, it’s not a “cheap” item. It is a top of the line electronic system offered at a tremendous price. Needless to say, this is an opportunity to seize! That is why it is essential not only to look at the price, but to compare the price with the product you are buying.

Once again, there is nothing wrong with looking for a deal. However, you don’t want to look for a deal that doesn’t offer a decent car audio wiring system. So always look to match the right price with the right quality. This will not lead you astray!

If your business involves shipping goods locally or overseas, whether inland or across the ocean, you need to realize that the moment those goods leave the door, they change hands many, many times. , and it is not known what can happen.

To protect your assets and your business, you need to have marine insurance. But how to choose the right one? Here are some pros and cons:

NOT TO DO

1. Don’t confuse marine insurance with boat insurance. Boat insurance protects watercraft and their passengers. It’s like car insurance, except the car floats on water.

Marine insurance is a completely different banana. Despite its name, it is not limited to protecting waterborne cargo. It also protects the cargo transported on dry land, in addition to protecting the vessel carrying the cargo.

This is why there is such a thing as “dry” sea, for cargo transported overland, as well as “wet” sea, for cargo shipped via actual ships.

two. Don’t be tied down in your application form. Don’t hide relevant information either. There’s a fine line between the two: lying on your form means you deliberately entered the wrong information. Withholding information means that you were not required to disclose the information, but you know that disclosing it would have adversely affected your policy.

Either way, if you are found to have lied or withheld relevant information, it will most likely void your policy, defeating the purpose for which you obtained the insurance in the first place.

3. Don’t break your warranty. In insurance law, the guarantee is essential for the execution of the contract. If breached, the offending party may terminate the contract in addition to claiming damages.

A common implied warranty in marine insurance is the seaworthiness (or roadworthiness) of the boat.

Please note that if a guarantee is breached, it will not help the insured to remedy the guarantee; the policy will remain null and void in spite of everything.

So before buying a policy, make sure you know all the guarantees included and make sure you don’t breach any of them. Which brings us to our first do…

behind

1. Read the fine print. While the fine print can be tedious to read, we all know, some from painful experience, ignoring it is like parking under a construction site: it’s only a matter of time before something hard and heavy hits you over the head, and it’s it may not. live to regret

The fact is, unless you’re a first grader just learning to read, it won’t take you five minutes to read the details of the contract you’re signing. (It doesn’t matter if it feels like an hour, it really isn’t.)

The fine print will tell you the details of what you’re paying for, what rights you may have that you may not have been told about, and what conditions are not covered by your policy, and what actions will void your policy. . For example, improperly packed cargo is often not covered. Neither are dangerous items like fuels, firearms, and chemicals. Others may not cover food, wood and animals. There may also be sailing limits which, if exceeded, will void your policy.

two. Compare policy offers. And don’t just rely on price.

Perhaps the reason that policy is so cheap is because it only covers actual value, which is the value of your insured item at the time it was lost, and this includes depreciation, so you’ll probably end up getting much less than what i expected. expected.

On the other hand, that other policy may cost more, but it insures your item for the amount you had agreed to (agreed value), on paper, so when the item is lost, you are compensated for the exact amount you expect. , which will allow you to immediately replace the lost item with a new one.

What happens with the causes of loss covered by the policy? No-show policies only cover specific types of loss and may not cover force majeure events. On the other hand, maybe they will.

Read the fine print so you know exactly what you’re paying for. Just because it’s the cheapest marine insurance policy doesn’t mean it’s the best. And if you are in business, you should know that you should only invest in the best ones, or suffer losses later on.

I’ve overhauled so many cars in the last six months or so, that I may have been guilty of getting used to the thrill and spill of driving the rapids. If this is the case, my assignment this week brought me back down to earth, very slowly, I might add, with a bang. The car in question is the Volkswagen Fox, the baby of the German manufacturer’s fleet.

The car has a 0-60 mph time of… wait… to… 17.5 seconds. Top speed is 91 mph and no, there’s no turbo attached to the puny 1.2-liter engine. However, to criticize the Fox for being slow and unexciting misses the point of the car altogether. The giveaway is in the model name of the car I tested: the Volkswagen Urban Fox. In this day and age when gas prices are soaring, roads are getting more congested, and the car is the villain of global warming, the Fox might as well to be where the smart money is when it comes to getting around town.

I hate to use the word ‘cheap’, but there’s no other way to describe the Fox, with prices starting at £6,430 to be precise (in the UK, I might add). Putting four new wheels on the road, with a Volkswagen badge adorning your car for this money, is simply a remarkable feat. The cost savings don’t end there either, with Fox falling into insurance group one: the cheapest band. Fuel consumption almost seems to balance out with combined urban and extra-urban figures of 46.3 mpg.

Wow, this is starting to make a lot of sense. The Fox is also quite tall, so despite its diminutive length, the riding position isn’t too dissimilar to a larger 4×4. The advantages of making the car tall are not limited to the driving position, as headroom and legroom are also boosted by the extra inches on top. There is a lot of glass around the car which makes visibility great and parking a doddle.

Outside of his favorite habitat, things go a bit wrong with the fox, especially on the highway. Now, before you shout “the little thing is not made for the big roads!” if we’re being objective, there will be times when you’ll leave the big smoke and run into one of the multi-lane snakes criss-crossing the country. Leaving aside (no pun intended) the 0-60 mph time, the Fox is, and I hate using this word as much as ‘cheap’, slow. An overtaking maneuver requires the advance planning of a chess master and a billiards champion all in one. Shifting from fifth to fourth made little difference to my forward motion and, worryingly, neither did a shift back to third.

The high sides also act like a very large pair of hands that grab all sorts of wind or bumps from a passing truck, giving the Fox a bit of a scare in the outside lane. Once off the highway, however, the Fox feels much more confident navigating the country’s twists and turns, thanks to a longer wheelbase than most in her class and a wider track. In fact, instead of welding the accelerator pedal to the floor, a gradual movement combined with a neat gearbox brought big rewards outdoors.

Parked in front of its rivals, the Fox sits comfortably in the ‘not ugly’ group, but also struggles to make it into the ‘pretty’ rank. As with Volkswagen’s other small hatchback, the Polo, the Fox is subtly styled compared to its rivals, in this case the Citroen C1, Toyota Aygo and Peugeot 107. However, there is something more grown-up and civilized in the Fox when seen alongside the almost immature stylings of the other city cars.

An interesting tidbit for your next pub conversation: Volkswagen is committed to reducing the environmental impact of car production and wants to promote recycling and greener vehicles. In the case of the Fox, it is built in Brazil, where the Curana plant grows. The fibers of this plant of the pineapple family are mixed with a recyclable synthetic material that forms the material of the headlining and the rear parcel shelf. No, the car is not edible.

The Fox has been built using the latest laser welding technology which means it’s a very stiff car which helps it achieve 4 stars in Euro NCAP crash tests and comes with ABS as standard. Optional extras include alloy wheels, air conditioning and a CD player.

The Fox has a big fight on its hands, not necessarily from its competitors, but from the car it replaces: the much loved and cute Lupo. Either way, the evidence is clear. The next time I get behind the wheel of a 2.0-liter turbo monster, I’m going to wish I were a very sensible human being and drove a Volkswagen Fox.