Insuring Teenage Drivers

As you may already know, getting a car insurance policy for a teenage driver can be quite costly. Drivers younger than 25 years old are considered to be more risky for insurers because according to statistics this group of drivers is most often involved in at-fault accidents. Car insurance companies tend to limit their expenditures applying higher fees for younger drivers of age 16-24 if compared to other age groups. Is it age discrimination or there are concrete causes of such a policy? One of the options to reduce car insurance expenditures for young drivers is adding your teenager to your insurance policy when he or she gets a driver’s license. This still can be a costly move but the teenage driver can use certain advantages of being included in your policy (especially if your insurer provides multiple-driver discounts). Including your teen to your auto insurance policy when you have an expensive car will be even more costly. In this case you can consider buying a less costly auto for your teen and purchasing a separate policy for that vehicle rather than including him or her to your policy. Some types of car insurance coverage including collision and comprehensive coverage, older and less-costly cars are regarded less risky by insurance companies, because the costs of repairing such vehicles are considerably lower if compared to newer and more expensive cars. The lower the risk your car poses to the insurance company the lower are your insurance rates. The best way to find out which is the best insurance offer is comparing the options at different insurance companies. You can do it by contacting insurance companies directly or using one of numerous websites providing auto insurance quotes. When discussing auto insurance you’ll have to provide the exact make, model, production year and certain technical characteristics to get the most precise quotes. Having exact quotes will help you decide on whether you need a separate policy or can add your teens to an already existing one. You will also be able to determine what car to by according to insurance expenditures. Try getting auto insurance quotes for both possible situations from the same insurers: a separate policy and addition to an existing policy. Make sure that the young driver has the necessary skills to drive a car safely. After finishing the Teen Driver Education consider enrolling your teen in a Driver Improvement Course. By doing so you can take advantage of auto insurance discounts offered by insurers. But what is really important with this course is that you make your teen a better and more responsible driver who knows how to act on the road and avoid accidents. Take your time to teach your son or daughter some lessons by your own example, and make some test routes together to make sure he can drive well. And don’t forget to shop around with different insurance companies. Try getting as many auto insurance quotes as possible. You’ll be surprised to find out that the …

Make Money by Making Quilting Kits

You don’t have to quilt to start a quilting business. There are plenty of ideas to find your niche in the world of quilting businesses.

Making and selling quilting kits is one niche market. Beginner quilters would purchase quilting kits. They are your target market. As you plan your quilting kits, keep in mind some of the obstacles a beginning quilter would face and strive to overcome them.

For instance, a beginning quilter might be daunted by all the patterns out there from which to choose. If a beginner selects a difficult pattern, chances are that the project will never be finished and the beginner might never try quilting again! To avoid that, select simple quilt patterns for your quilting kits.

Another obstacle beginning quilters face is fabric selection. Your quilting kit will have the fabric pieces with it, taking the guess work out of color coordinating and fabric selection.

Go ahead and cut the pattern pieces for your quilting kits, too. Beginners will especially love this! You could offer intermediate level quilters with another option. For the slightly more advanced quilter, you could print (or trace) the patterns onto fabric and allow the quilter to cut them out. Take into consideration how much time this might take, however.

Don’t forget to include threads and even a needle for hand stitching!

There are many different levels at which you could offer quilting kits. You could make kits for quilt block pillows, wall hangings, lap quilts or full size quilts. You could also compile kits for quilted toys and dolls.

Another niche market for quilting kits could revolve around holiday themes. Offer kits that will make ornaments and other decorations.

How will you sell your quilting kits? Many have dreams of mass market production, but you can sell your quilting kits without a contract from a large chain store! Consider selling the kits from your own website or Internet store. You could even sell them from an online auction site/store.

Small, classified line ads are an inexpensive way to advertise if you choose to advertise in craft magazines. Don’t overlook all the free publications in your particular area, either. A lot of newspapers or local tabloid sized magazines offer free classifieds.

Writing an effective classified line ad is not hard. Keep the information short and sweet, and don’t forget to include your contact information. A good classified ad might read: “Quilting kits. Perfect for beginners! See designs online at”

You will also need to consider how to package your kits. The first way that comes to mind (and probably the easiest) is to include the fabric pieces, threads, needle and good instructions in a resealable plastic bag. The idea is to keep the kit simple for your buyer but to make money for your business. So, the less paper you include for directions, the more profitable your kit. But, make sure you include all necessary directions!

For instance, your detailed directions could fit on one side of paper or card …

cheap Auto Insurance – Insurers that Will Not Run a Credit Check

All states have made a driving license and insurance compulsory. It’s not hard to get auto insurance when you are online but it can be hard and people are concerned when it comes to finding good coverage. You may not get adequate coverage if your credit score is not good. The reason for this is that you will have to pay more for your cover but there are ways around this to get cheap auto insurance.

Auto insurance companies who do not perform credit checks, sounds good doesn’t it! But they are available for those who have a low credit score. you will just need to find them and that is the hard part.

There are many auto insurance companies that perform a check on your credit information when calculating how much insurance premium to be charged when you pay monthly installments,

So always remember when you call for new insurance there are many insurers that are keeping an eye on your credit history. Don’t you worry after reading what I just mentioned! Whatever your situation is there must be some company who can offer you the best deal to  get cheap auto insurance.

Most of us are unsure why do companies perform credit check before you sign up any insurance claims. There are reasons why some insurance companies use your credit information. It is because there is a direct relationship between your credit history and the claims that may incur in future and your ability to pay for your premiums.

However, you may find some companies that provide no credit check auto insurance. If you are worried about your credit ratings that will affect your coverage you need to find these companies. For instance, companies like All State and Progressive do not perform credit checks under certain conditions. So don’t feel dejected, you will always get no credit check auto insurance even if you have bad credit ratings.

And even if you are unlucky in finding such insurance companies you may contact your state insurance department. They will help you provide necessary information you need to  get cheap auto insurance.

The other thing you can do is to search online using an insurance comparison site, They may not tell you if they perform credit check but you can get a good idea. You can do this by doing a search and then stating pay monthly as the payment method. The quotes you get that have a very narrow or no difference between paying monthly and paying yearly are those you need to look for as it is likely it is these ones that are not taking credit scores into account. Click here to get cheap auto insurance now.…

The Benefits Of having A Personal Assistant

Persons who have personal assistants for instance politicians, business tycoons, leisure moguls, business executives and stars are actually open from doing daily responsibilities and can totally concentrate on their projects in addition to usual since there exists somebody who takes attention of all they ought. Other than, aside from possessing somebody who can perform most of the errands, there’s more to getting a personal assistant. This is obtaining peace of mind to everything which are required to complete and all that should be made is taken cared of without you doing a particular thing excluding giving out definite orders.

What benefits can you get from a personal assistant?

Depending on the outline of the post, a personal assistant can be considered as one of the most unswerving person around an employer or a boss. This is because the affected individual does everything with a purpose to make the employer feel not as much of anxiety and can focus more in the task at the forefront. The personal assistant does this by means of making certain that everything-from workforce works and other tedious errands-are properly taken cared of.

A personal assistant (PA) is anticipated to maintain the company, the home, and the social calendar of his or her employer. The PA is expected to undertake the whole scheduling in all appointments for the boss be it within the business or private life. He or she can be in-charge in making the complete tour provision in home and international getaways whilst managing all the events as well as functions of the employer. In view of the fact that the personal assistant is certainly one of the closest people within the boss’s loop, the person takes charge in a mixture of gathering arrangement and conferences.

Aside from supervision of, other personnel, home and company affairs, the personal assistant is also anticipated to undertake public relations and media works for the employer. He or she is also handles the entire mail matters, writes the correspondences to various people, does the money-matter dealings for instance funding the bills, accounting, and retaining the credit, as well as maintaining personal or business records.

The personal assistant additionally handles the upkeep of personal dealings file and does the control for a variety of transaction conferences and meetings. She or he also takes charge of basic jobs such as monitoring computer and office supplies, and writing personal invitations, greeting cards and even thank-you notes.

Two up to three years of practice as PA is enough gauge for a personal assistant to be efficient in either home or office set up. The PA ought to also have a minimum of a Bachelor’s Degree, knowledge in computer systems principally in administration fundamental programs in the pc such as Microsoft Office, Word, Excel, and others, and should possess a powerful communication skills, have well developed organization proficiency and displays people skills. Further requirements especially for those who will likely be working in the company of outstanding company people is extensive expertise in …

Facts about LAX Airport

The largest and busiest airport in the state of California, the Los Angeles International Airport, or LAX, was ranked sixth busiest in the world in 2008 by the Airports Council International, with a total of 59,497,539 passengers that year. LAX is a major hub of operations for Alaska Airlines, Southwest Airlines, Virgin America, and American Airlines among others.

The Los Angeles International takes up 3,500 acres of land, 15 miles southwest of Los Angeles’s downtown and right next to the Pacific coastline. Its proximity to the ocean causes it to get occasional heavy fogs. LAX is one of the most famous locations for aircraft spotting. Spotters can sit at the Imperial Hill location or at the final approach runways 34 L&R, next to the In-N-Out by the airport, and watch low-flying planes directly from under them.


The Los Angeles International Airport was established in 1928, as a small airfield named Mine’s Field, after the broker who arranged the city purchase of 640 acres of land upon which the airfield was built. The field was located in southern Westchester, and the first building to be constructed on it was Hangar No.1, which is now recorded in the National Register of Historic Places.

In 1930, the airfield opened for business, and it became a municipal airfield in 1937. It was renamed the Los Angeles Airport in 1941, after a series of small expansions. In 1949 its name was changed to its current one, the Los Angeles International Airport, LAX. Over the course of the next few years, the airport expanded west. In 1953, an underground tunnel was completed that allowed Sepulveda Blvd to run below the LAX runways.

In 1958, the architectural firm Pereira & Luckman was hired to conduct a series of major renovations, which included the construction of a massive terminal system and large parking lot structures. The plan called for the construction of a large dome that would connect all the terminals. The dome idea was eventually replaced by the “Theme Building” (the glowing, flying-saucer-like structure), which was designed by Pereira & Luckman architect Paul Williams.

Ground Transportation

Parking at LAX can often be a hassle. People wishing to park at LAX often call ahead to make parking reservations, as the lots are usually packed despite there being over 8,000 available parking spaces in eight separate structures. One parking alternative is remote Parking Lot B and remote Parking Lot C, located a few blocks away from the main terminals. A free shuttle takes people from the lots to the terminals and back. People can also ride the Metro Rail’s Green Line train, which takes passengers to the Aviation Station, from where they can take a free shuttle also.

When going to the airport, parking is always important to travelers. Next time when you need to park LAX, see how Airport Parking Connection saves you both time and money.…

How to Save Money on Your Car

If you’re looking to save big money on the right items, it’s a good idea to start by looking at the big-ticket items in your life. This is especially true if you’re looking to buy a car, or if you already have one. If you want to save money in your life, there are some sacrifices that you need to make. However, you don’t have to make huge sacrifices if you take the right steps. If you’re looking to save money on your car, you’ve come to the right place. Follow these steps to get the biggest bang for your buck.

The first thing you should do when you’re looking to save money on your is to make sure that you’re looking at the right cars for your needs. If you’ll be travelling a lot, or just in general, it’s a good idea to make sure that you’re getting a car that has good gas mileage. This will make a huge difference when it comes to the amount of money that you’ll be spending in the future. Though you may not feel as though you’ll be getting that money upfront, it will come in handy in the future and it’s a good idea to keep your eye on it.

The next thing you should is when you’re looking for your car, you should shop around before making a decision. Do some preliminary research and make sure that you’re going to be getting the best deal, and check out multiple websites to check for prices. You should also consider getting a used car, even if it’s a newer model, and as long as nothing is wrong with it, it’s an excellent way to get awesome prices on your car.

Lastly, you should consider shopping Advance Auto Parts and learning how to do simple fixes on your car yourself. This can save you a lot of money and you’ll be able to tell what’s wrong with your car, if you don’t trust the auto shop.…

Can You Benefit From A Life Coach For Personal Growth

To understand what a personal development coach is, you have to understand what it means to seek personal development. Personal development is a path to wellness through behavior modification and improvement methods. Basically, it is the ability to enjoy life in a conscious way by improving yourself and your circumstances. You can improve yourself in a particular area or do a complete overhaul of your life. Normally, personal growth is a consistent intention that is performed on purpose every day. For many people, personal growth is a necessary and continuous process. By improving ourselves, we dramatically improve our circumstances and opportunities. But for many who want change, they lack the knowledge or tools to do so. This is where personal development coaches came in.

Life coaching was created especially to educate and motivate people who wanted a positive vision of their life. Life coaches are teachers that teach the powerful strategies for self-management and personal growth. There are different categories of life coaching. Each life coach has their specialty and unique method. Some teach how to change habits, while others embrace more spiritual platforms. Personal development coaching can consist anything from how to improve your relationships to overcoming the embarrassment of public speaking. What weaknesses exist in your life, a life coach may be called to strengthen and encourage.

A life coach can help redefine your purpose in life. They have the ability and resources to redirect you life toward a more significant existence. Everyone needs a support system with reinforcing positive feedback. It is the food necessary for good mental health. However, not everyone has access to a system of quality support. Just as a personal trainer gets a person into good physical shape, a life coach gets the life of a person into shape.

Not everyone needs the services of a life coach; it all depends on your needs. If you can’t work through setbacks, or if you need to learn new behavioral patterns, then you might want to consider finding a life coach. Many people are doing it, so I don’t think you are alone. You owe it to yourself to maximize your potential. The first step to improvement is to recognize your weaknesses. Then find the help you need. Keep in mind that for issues that relate to unresolved family issues, ongoing depression and anxious moods, it is best to see a trained psychotherapist such as a psychologist or social worker.…

Media Risks Coverage: the Answer to Sierra Leone's Libel Laws

This article is a continuum of a series of related proposals the author has recently been advocating on how governmental policymakers and the insurance community at large in Sierra Leone, through utilization of a national insurance and risk management strategy, can engender real innovation and growth in all sectors of our nation’s socio-economic and governance infrastructure.


The overriding public policy need for introduction of a media risks coverage policy addressing liability inherent to the journalistic community, outside of the criminal law processes, cannot be understated and remains this piece’s essential focus.

The articulation and advocacy of an alternative remedy addressing “media risks liability” and the real issues of perceived defamatory libel, sometimes practiced by Sierra Leonean journalists, publishers and media houses with resultant responses by mainly politicians and governmental officials using the criminal law processes of the State is the focus of this piece.

There has in the past several years been much public debate in Sierra Leone over repeal of the Public Order Act, 1965. Specifically, Part V, Sections 26 to 37, pertaining to defamatory and seditious libel have drawn the irk of several members of the journalistic community, most of whom have and continue to be subjected to threats of and actual criminal prosecutions for merely performing their job duties.

While the focus of the debate has mainly revolved around repeal of the obnoxious and onerous defamatory and seditious libel sections of the Act, it is however essential that the tenets of accountability by publishers, journalists and media houses be enshrined in any reform proposal that is introduced to protect reputations of citizens.

The legislative history and practice of the Public Order Act, 1965 in Sierra Leone, however has been one of a convenient legal ruse utilized by successive governments to muzzle and intimidate political dissent, free speech and the free press through the criminal law processes of the State. For example, these laws have in the recent past been used by politicians to incarcerate a number of journalists and muzzle the free press.

Several recent high profile criminal libel and defamation cases brought against journalists by politicians and public figures in Sierra Leone has resulted in this search for how “media risks” can be adequately addressed within the liability insurance framework.


While defamation and libel in most common law jurisdictions are categorized as criminal offences, and thus cannot be covered by an insurance policy, they have also evolved as hybrid tort liability offences, where an aggrieved party can seek damages and payments from an insured’s insurance policy for harm occasioned by defamatory or libelous publications.

The balancing act of addressing the actual damages done to reputations of citizens by libelous publications and ensuring an unfettered free press, devoid of the threats of criminal prosecutions, must revolve around implementation of a market-based liability insurance policy with the following at its core:

  • Repeal of the criminal provisions of the libel, seditious libel and defamation statutes and their replacement with a tort liability

Business Marketing – 5 Things That Will Ensure Success!

Advertising your business is as much a science as it is an art! In order to be successful in the market you not only need to know the basic rules of advertising and marketing, but you also need to know the means of employing them successfully.

Here are some fundamental rules of Marketing that will help you make your business successful:

Consolidate your Marketing Message
All your marketing messages should conform to one particular theme. When your marketing efforts carry a single message, it is more likely to generate a higher response rate. In fact, one of the chief characteristics of successful campaigns is that they have simple and compelling content. Business advertising needs to communicate the core message to audiences quickly and seamlessly. Only when your customers are able to easily comprehend what you are trying to say, can they respond to the same.

Add Credibility to Marketing Campaigns
One of the prime challenges faced by marketing campaigns is the way consumers perceive marketing communication. It is a basic human tendency to distrust and immediately reject any attempts of selling. Many people are quite skeptical when bombarded with pushy marketing messages. This is why you need to ensure your marketing campaigns highlight the credibility of your business. Add testimonials from niche industry professionals to your campaigns or include features where audiences can themselves test your products and services and ascertain the credibility of your claims.

Make Sure to Test Drive
Marketing platforms, especially social media and online marketplaces, offer tremendous opportunities to test any new products and services that you plan to launch. In fact, online platforms can save a great deal of capital and resources as well. Considering the vast international reach of online platforms, you can get feedback from around the globe and get analysis on an international scale.

Target Niche Audiences
In order to receive maximum response to your marketing efforts, make sure you position them well. Invest in some quality market research to locate your niche audiences and communities. If you market your products and services to an audience who would be interested in your products or services and more likely to respond to marketing campaigns, you will generate higher ROI for your marketing campaigns.

Invoke Curiosity
Instead of bland and blatant promotion of your business, your marketing campaigns should seek to invoke the curiosity of your audiences. The message should, apart from informing people about your products and services, encourage customers to ponder further and make inquiries to know more about your business.

Disclaimer : Sabra Easterday is the founder and managing member of MatchB2B. Sabra is also a lawyer with a special interest in business issues and e-marketplaces. Notwithstanding that Sabra is a lawyer, nothing in this article and no services of MatchB2B or its website are legal services and no attorney-client relationship exists between any reader of this article or user, customer or potential customer of MatchB2B, and MatchB2B, its website or Sabra Easterday.…

For Personal Space, Cabana is Top Banana

“Personal space” is a term that’s so much a part of today’s vernacular that it has become a cliché. There’s nothing unusual about that; people are always grabbing onto expressions, then using them ad nauseum. The amazing thing is how quickly a term can go from being unheard of, to being a cliché. In this case, however, maybe it does make sense. After all, these days, things are happening faster and faster. The dizzying pace is causing a lot of stress that was also unheard of until fairly recently. This new brand of stress is much harder to handle. That, in turn, is making people desperate for a place to escape from it all, or, as they say, “personal space.”

It’s not that wanting to “just be alone for awhile,” the less urgent reference of days gone by, is anything new. However, until the later part of the 20th century, people were content to simply have a room to themselves for an hour or two, where they could do some reading, or work on a hobby. Sometimes, the really lucky ones would have a den, but they were the exceptions. If things got serious, there were those who would tear down a wall and add a room, but that was usually out of necessity, as in the case of a family that was outgrowing its house, and needed another bedroom for the kids.

Today, we want it all. We want our houses, our jobs, our cars, our cell phones, our computers, and our Internet. We want to be connected to the whole world 24 hours a day, and still, somehow, we want our privacy. Go figure. Can we really, reasonably expect to have all of this? One trend indicates that we can! It’s the wave of the future, which, for any of you who haven’t been paying attention, just happens to be now (and that just goes to show you how fast everything really is happening!). It’s the 21st Century Cabana Craze!

Now appearing in backyards near you, cabanas are becoming as numerous as garages. One reason for its popularity is that a cabana can be anything, or it can be everything, including an extra room, a home office, a guest house, a cottage, or a home spa, complete with a hot tub. has beautiful cedar and vinyl cabanas in dozens of sizes, with every option imaginable.

At, you can use their Custom Cabana Creator to build your own cabana in four simple steps. All you have to do is to select a style, a material, and a size. After that, either choose the cabana with its standard features, or add any of the many available options, which include select flooring, siding, trim, windows, shutters, shingles, skylights, cupolas, wiring, and more. You can build as many as you like, request quotes, and save them to your own, individual gallery, so you can compare them before you make a decision. Now, that’s what you call “really personal space.”

Visit …