Motor insurance in Dubai

Motor insurance is deemed mandatory under the United Arab Emirates federal traffic law and a minimum level of car insurance is compulsory to drive in any of the seven emirates. Generally, comprehensive insurance is recommended over third party if you want complete protection from unforeseen incidents. This covers damage to your own car in an accident, fire and theft and more importantly damage to third party property. You can get also opt for a higher level of comprehensive insurance which includes a hire car, recognition of your no claims bonus and other lucrative benefits. Speak to a reputed insurer to understand how they can build you policy that covers you against all perceived risks.

What about rates?
Having no claims on your policy and being an experienced driver will always qualify you for good discounts on your comprehensive policy with an international insurer. You are also entitled to a no claims certificate on request when switching your insurance provider should you have no claims for the period you have insured with them.

Age discounts will depend on the cut off rate the insurer employs to calculate the premium. So seek your insurers’ advice before signing up for a comprehensive motor policy.

Higher premiums are payable for young drivers with relatively lower driving experience and for cars over 7 years. Buying insurance using an online facility will provide you further discounts with most international insurers.

What should I look out for?
A effective policy might not mean its claims effective. In other words, having to pay a small premium initially may be easy on your pocket but may land you in despair when it’s time to claim on your policy.

It is important to understand that policy features may be added to a standard motor policy depending on the needs of the motorist. Covers that can be added include agency repairs, special geographical cover, personal accident benefit, etc.

<a rel=”nofollow” onclick=”javascript:ga(‘send’, ‘pageview’, ‘/outgoing/article_exit_link/3840998’);” href=””>Motor insurance in Dubai</a> can be obtained quickly and easily, with online options available to purchase policies with a discount. However, it is considered prudent to do some research on what policy fits your insurance need best.


Setting Your Personal Development Goals

The role of Personal Development and Self Improvement is to help you achieve your goals in life. Both are designed to give you the skills you need to achieve whatever it is that you want to achieve. But can personal development or self improvement really improve your life situations?

Well, the purpose of both self improvement and personal development is to do just that. They are both just tools that are used to ensure you will succeed in your chosen life areas. They are desgined to help you become happier on the inside and more satisfied with what you have on the outside in any are you chose to apply them!

You may not now know how to proceed. So what type of personal development goals should you set? How do you start to develop self improvement goals that will lead you to freedom, a deeper feeling of happiness, help you achieve a better lifestyle and ultimately create more success in your life? This question is not simple to answer because success means different things to different people. Therefore, if you want to become successful you must first have a clear understanding of what success means to you!

A fantastic way to get a clear on what success means for you is to ask yourself the question, “what would I do if I knew I couldn’t fail?” Allow yourself to bask in the mental image that is produced. The vision that is created in your mind will show you what you really want in life and from this vision you can see what success means to you.

From the moment a person is born he/she has a natural ability to know what it is they want and a belief that they can have it. We develop dreams and ambitions at a very early age. However as we grow older we are conditioned to believe that these dreams are not possible or are mere fantasies of our imagination. You are directed to get a good education so that you can find a good job that will allow you to get a mortgage, get married, have kids and live a ‘normal’ life. By the time most people reach their mid twenties they have all but given up on their dreams or even forgotten what those dreams are. They have become conditioned into believing that they are incapable of achieving what they want in life. This fundamental belief forms the foundation of their self image and the rest of their mental attitudes are build upon it!

It is the role of personal development and self improvement to remove these conditioned mental attitudes from your inner mind and free you to pursue the life course that you chose for yourself. Through the use of personal development and self improvement you can begin today to remove mental conditioning that you received from well-meaning family, peers and teachers. In addition you will also be directed to remove all those negative mental attitudes that have been given …

How To File For Personal Injury Claim

A personal injury occurs when a person has suffered some form of injury, either physical or psychological, as the result of an accident or medical malpractice.

Injury or bodily injury is damage or harm caused to the structure or function of the body caused by an outside agent or force, which may be physical or chemical. Personal Injury also refers to damage caused to the reputation of another rather than physical harm to the body. A severe and life-threatening injury is referred to as a physical trauma.

Physical trauma refers to a physical injury. A trauma patient is someone who has suffered serious and life-threatening physical injury potentially resulting in secondary complications such as shock, respiratory failure and death.

The most common type of personal injury claims are road traffic accidents, accidents at work, tripping accidents, assault claims, accidents in the home, defective product accidents and holiday accidents. Indeed, there are a multitude of types of accident and the term personal injury also incorporates medical and dental accidents (which lead to numerous medical and dental negligence claims every year) and conditions which are often classified as industrial disease cases.

Industrial disease type cases include asbestosis and mesothelioma, chest diseases (e.g. emphysema, pneumoconiosis, silicosis, chronic bronchitis, asthma, chronic obstructive pulmonary disease, and chronic obstructive airways disease), vibration white finger, occupational deafness, occupational stress, contact dermititus, and repetitive strain injury cases.

Where the accident was the fault of someone else, the injured party may be entitled to monetary compensation from the person whose negligent conduct caused the injury. At least in the United States this system is complex and controversial with critics calling for various forms of tort reform. Attorneys often represent clients on a “contigency basis,” in which the attorney does not charge for services until the case is resolved.

In England and Wales, under the limitation rules, where an individual is bringing a claim for compensation, court proceedings must be commenced within 3 years of the date of the accident, failing which the claimant will lose the right to bring their claim. However, if the injured party was under the age of 18 at the time of the accident, then they have up until the day prior to their 21st birthday to commence proceedings. Legal Aid for personal injury cases was largely abolished in the late 1990s and replaced with “no win, no fee” arrangements.

Structured Settlements in Personal Injury Cases

Often, the use of a Structured Settlement is desired by the injury victim to help protect them financially after an injury settlement.

Structured Settlements provide injury victims with tax benefits and enable proper financial planning for future needs of the injury victim as a result of the injury…

10 LIFE Changing Selp-Help Books

Every year thousand of self-help books are written and published and coupled with the fact that tens of thousands have already been published through the years, choosing a self-help book out of the too plenty ones on offer to read can be overwhelming. In fact, that was my situation years back when I was starting out on personal development. I was desperate to improve my life and knew I needed to read books, but I just did not know which ones were right for me.
So, what did I do? I did a research on google and amazon for the top self-help books. And I settle for Think and Grow Rich. I read that book again and again. Since then I have read hundreds of books on self-help. Some of them are awesome, some are indifferent and some are positively harmful. So, how do you chose out of all the self-help books on offer? Here are my personal top 10 pick to help you get started on building your own reading list.

#1. Empire of Mind by Denis Waitley

Denis Waitley did a great work with this book. Motivational speaker-consultant-psychologist Waitley in this book intend to inspire the leader that is in all of us, defining and analyzing the qualities that we need to  expressed if our goals are to be realized. This book offers answers anyone interested in “re-engineering” themselves as well as their carrier. Providing specific techniques and tools that will help you maximize your personal potential, the author focuses on the qualities essential to each of us in every profession.

#2. Learned Optimism: How to Change Your Mind and Your Life by Martin E. P.
Dr. Seligman in this book explains how not give up on your dreams, develop a more constructive explanatory style for interpreting your behavior, and experience the benefits of a more positive interior dialogue.This groundbreaking book shows you how to choose optimism – gaining an essential new freedom to build a life of real rewards and lastingfulfilment. #3.  Think and Grow Rich by Napoleon Hill
This book was published decades ago but is still one of the best-ever book written on self-help. This book was compiled by Napoleon Hill, who learned his lessons from great people like Andrew Carnegie and Henry Ford. I have lost count of how times I have read this book. I will recommend this for any one starting out on himself.

4. Man’s Search for Meaning by Viktor E. Frankl
This book records Viktor’s experiences in a Nazi concentration camp during world war two, and the psychology of the prisoners with whom he shared months upon months of horror and destruction.  This is a fascinating, sophisticated, and very human book that will teach you a lot of lesson about human survival.

#5. How to Win Friends and Influence People by Dale Carnegie
I have read this book over 10 times. This book isn’t based on dry theory, but on the experiences of students in Dale Carnegie’s courses who applied …

How does Owner Financing work – Owner Financed Homes For Sale

Selling a house or other Austin, TX real estate with owner financing may be unfamiliar territory for many, but anyone who plans to sell property against the current background of tough lending conditions may want to brush up on the basics.

Understanding the concept of owner financing is easy: the seller assumes the role of a bank and finances the buyer’s purchase.

The decision to provide owner financing, however, can be much more difficult; although providing owner financing could mean the difference in being able to sell a house, it could also mean a great amount of risk for the seller if the buyer eventually defaults on the loan.

As the U.S. struggles with a sluggish real estate market, owner financing presents a way for buyers and sellers to close deals that might not be possible with conventional financing.

There are some deals that just simply cannot get done (with conventional lending) because the credit markets are too tough for a particular buyer to qualify or because the type of transaction is perceived to be too risky.
There could also be a situation in which a buyer may not have sufficient capital for a down payment. Partial owner financing, in that case, can help fill in the gaps in closing a deal.

In addition, the benefits of owner financing can appeal to sellers who are trying to unload property. Closing a deal on a house, for example, may take considerably less time with owner financing than with conventional financing. While a conventional lender will scrutinize the collateral property to determine the level of risk, a seller who is already familiar with their property can form his or her own risk assessment relatively quickly.

Owner financing may also be an attractive choice for investment, potentially offering high rates of return. A seller can negotiate an interest rate that the buyer will pay them that is more favorable than would be available for other sorts of investments.

Furthermore, seller financing can provide some tax benefits by spreading out a large gain over time (check with your accountant or CPA).

If the seller structures the loan as an installment sale, there can be certain tax advantages to the seller as well in terms of the timing of recognition on the capital gain. The seller would need to discuss the details with a tax advisor.
Seller financing can be used to pay for a property either in full or in part. The terms of a full loan look similar to those of a conventional loan; however, a seller has a great deal of freedom in setting the terms, such as the interest rate and the duration of the payment period.

For instance, a seller might wish to provide owner financing as a short-term arrangement of five years, after which the borrower is expected to refinance the loan, presumably with conventional financing.

While sellers can be more flexible than banks in considering prospective buyers, they should nevertheless think like a bank when reviewing potential buyers. …