Category: Cars

Raceway Insurance: Race Car Driver, Vehicle and Animal Racetracks

Cars

There is no doubt that racing – whether by auto, motorcycle, truck or other vehicle or animal – is a very hazardous sport. It is for this reason that insurance coverage is so important for the driver and track owner or sponsor.

Racing Car Driver Insurance

Known in the industry as AD&D Coverage, this insurance is designed specifically for the racing car drivers. Providing accident and health coverage for competing drivers, the companies that write this type of indemnity are most likely in the market for other sporting industries. In regard to racing car drivers, disability limits differ according to each individual insurer.

Vehicle Racetrack Insurance

If you have ever been part of the enthusiastic audience viewing a car, motorcycle or any other recreational vehicle race, you can well understand that there are significant risks to safety. Much like any highly populated sports event, there is the issues related to crowd control and bleacher hazards. In regard to third-party injury claims, vehicle racetrack insurance covers the owners and/or sponsors behind the event.

Specific scenarios in which a lawsuit may be initiated by an injured spectator include:

• When a grandstand or bleacher folds and falls

• When a member of the crowd is impacted by a participating car collision or accident

• When someone watching a practice session or actual race is hurt by debris hurled as a result of an accident

This particular coverage does not include protection for owners of vehicles or sports car drivers. Refer back to the above summary about racing car driver insurance for more on the topic.

Animal Racetrack Insurance

Prime examples of animal racetrack participants are horses and greyhounds, but other animals are also included. Significant risks include exposure to hay and any other combustible matter that is general part and parcel of the property. On the other hand of course, there is also the potential of damage to the involved animals as well as the possibility of damages caused by the animals to consider. The related liability factors are very much the same as any other sporting event. However, the fact that animals and employees and spectators are so close to each other, places an underscored hazard risk at the racetrack.

Then again, many of the racetracks have ongoing betting activity which clearly leaves exposure to criminal activity, defined by the indemnity industry as dishonesty exposure. When eateries are also a part of the framework, the related restaurant risk exposure and liquor liability exposure go hand in hand.

For more about related business insurance coverage, speak with an experienced independent agency that has your best interests in mind.

Source by M Wyzanski

The Convenience Of Booking Cheap Summer Holidays Online

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In the past, booking your cheap summer holidays to anywhere in the world,would require you to visit your local travel agent in the high street, choose a selection of brochures and carry them home to browse through page after page of exotic locations with sunny poolside photographs, enticing you to book the holiday of your dreams within those glossy pages.

Since the recent convenience of being able to search and browse the various internet search engines, consumers now have a much wider choice when deciding to booking their cheap summer holidays in their own country or when travelling abroad.

Finding a suitable holiday or travel service to cater for every consumers needs and personal budgets, has over the last few years become really fast and easy with thousands of cheap holidays and services available to view with a simple click of mouse.

Consumers will now find that all the top and lesser known travel agents have an online presence, and every category of holiday and travel service is catered for such as flights, accommodation, car hire, airport transfers, travel insurance and a whole list of other services for booking cheap summer holidays online.

With these types of travel services now available on the internet, any consumer has the ability to customize their own cheap summer holidays, picking and choosing which services they would like to use with their choice of holiday destination, without having to just accept the travel services contained in a travel agents holiday package.

Anyone who books holidays is always looking for the cheapest and best summer holiday bargain, and holiday consumers will find several dedicated holiday comparison websites that have full access to the major travel agents databases, so are able to offer the latest up to the minute pricing on a wide range of holidays and travel services.

Consumers get help to find the cheapest flights, holiday accommodation, car hire, airport transfers and many other travel services which are offered by the top travel agents online. Taking the time to use this type of website service can truly reveal some great last minute deals when booking cheap summer holidays, and is highly recommended for a starting point when booking holidays online.

Many travel agents and travel services are now in direct competition with each other thanks to the wide choice of the internet, and many of the holiday websites online offer some great discounts and discount codes throughout the year, so holiday consumers should always search the internet to find the best cheap summer holidays.

The overall ease and wide range of choice when booking cheap summer holidays online, has in the last ten years resulted in thousands of holiday consumers becoming more and more confident with booking various holiday and travel services online.

With hundreds and hundreds of holiday services setting up websites online every year and thousands of holiday consumers now becoming more and more internet savvy, this trend of searching online for booking cheap summer holidays and travel services is set to grow and grow.

Source by Bryant Hill II

Unsecured Business Loans – Why They Are Becoming So Popular

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Unsecured business loans are increasing in popularity day by day. If you run a business, whether it is small or large, you may want to look into an unsecured business loans – here's why they are increasing in popularity …

Overcome the Shortage of Funds

In this day and age, the economy is not doing that great. For this reason, many businesses have already crashed due to a shortage of funds. If you currently own a business, do not let the shortage of funds crash your business – with the help of an unsecured business loan, you will be able to overcome the shortage of funds.

An Unsecured Business Loan Can be Hassle Free

With the proper documentation, getting an unsecured business loan can be hassle free. All you have to do is fill out an application, present the proper documentation and the financial institution will take it from there.

Receive the Money in as Little as 48 Hours

When you have a business that is on the line, you need money right away. Many financial institutions are able to get money to a borrower in as little as 48 hours. In order to make sure you get your money fast, you need to have the proper documentation ready – this includes proof of income, tax statements, accounts payable and receivable statements, business financial statements and business plan and projections.

No Collateral

With an unsecured business loan, you do not have to put anything up front – this means you will not be at risk of losing your house or car if you fail to pay the money. All you have to do is make sure you make your payments on time.

Offers Additional Flexibility

As a business, having extra cash on hand to use whenever you need it would be great. It's even better when the cash is not being leveraged against your assets. You can use the extra money to cover slow payroll during a slow month, purchase that new server you have been needing for quite some time or make improvements to the property.

Build a Good Relationship with a Lender

By getting a loan, as long as you pay the money back on time, you will be building a good relationship with a lender – this is something that every business needs. It is always good to know that if you need a loan, the lender is there to give it to you. In any business, having a good relationship with a lender will make it easier to get a loan if you ever run into trouble. Many times, businesses are able to get these loans because they already have a good relationship with the lender or because they are in a good financial position.

If you are interested in an unsecured business loan, go ahead and search for the right financial institution. Remember, even if you do not need the money, it may be a good idea to go ahead and get a loan so that you can start building a good relationship with a lender.

Source by Steven Fitzpatrick

Porsche 996 Pedals – Heel Toe Operation

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When it comes to Porsche pedals there are plenty of options but one of the favorite choices for Porsche 996 pedals are the aluminum ones which are not only attractive they also allow for terrific heel, toe operation.

Wondering what the heck heel toe operation is? Commonly it is called heel and toeing and it is a technique that is used to match the speed of the engine with the shifting of gears.

For example if you are coming up on a corner and need to gear down just braking and changing gears can mean your motor is running just a tad to slow for the optimum speed for the next gear you need to select. What happens is the engine that slows down even more. This is called engine braking.

It is much better if you can just blip the gas while you still brake and downshift. This will cause the engine revs to rise to match the next gear maintaining the correct speed and causing a perfectly smooth shift. There is no clunks, jerks, or engine braking. It is a technique to use for both up shifting and down shifting.

So now I bet you are wondering how you “blip” the gas. Well that’s what is called heel and toeing. There are two techniques to accomplish this. You can practice both methods.

With the first technique you use the ball of your foot on the brake pedal then you swivel your ankle to blip the gas to the perfect point for the gear using your heel. Using your upper ball of the foot place it in the center of the brake. This is the oldest method of heel and toe.

The other method used both sides of your foot. You plant the left side firmly on your brake pedal and leave the right overhanging on the gas pedal. Your brake and gas pedal are both the same height so it makes it really easy under heavy braking.

The Porsche 996 pedals are available from several different suppliers online. You can also choose other devices like the third foot which is quite popular. The Techart pedals run around $300 and although they are expensive they are worth every penny and the NR and Tech-efx pedals are both nice. The OMP pedals are a little bit heavier and have a lip so that you can’t get caught under the brake pedal. These only cost around $50 which is a great price.

With so many Porsche 996 pedals to choose from finding the right ones for you to heel and toe shouldn’t be too difficult at all.

Source by Wayne Treister

Plug-In Electric Vehicle-Tax Credit

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There is a tax credit associated with the purchase of a “plug-in electric vehicle” (a vehicle propelled to at least a significant extent by an electric motor propelled by a battery capable of being recharged from an external source of electricity).

Tax Deductions Vs. Tax Credits – Deductions reduce the amount of your income that can be taxed. On the other hand, tax credits reduce the amount of tax owed. Congress may grant a tax credit to promote a behavior or industry, such as buying a plug-in electric vehicle.

The tax credit is called the “new qualified plug-in electric drive motor vehicle” credit (NQPEDMV credit). Two-wheeled or three-wheeled electric vehicles aren’t eligible for the tax credit, but, for those vehicles that were, acquired after Dec. 31, 2011 and before Jan. 1, 2014, there was a separate credit available for qualified 2- or 3-wheeled plug-in electric vehicles.

For the vehicle to be eligible for the tax credit, the battery must have a capacity of at least four kilowatt hours, and the base amount of the NQPEDMV credit is $2,500 per vehicle. The allowable credit increases to $5,000 per vehicle based on a formula which increases the credit by $417 for every kilowatt hour of battery capacity in excess of five.

There are some additional criteria to qualify for the tax credit:

• The credit is allowed in the year you place the vehicle in service.

• The original use of an eligible vehicle must begin with you, the purchaser, i.e. the vehicle must be new.

• An eligible vehicle must be used predominantly in the U.S., and have a gross weight of less than 14,000 pounds.

• The credit is allowed if you buy a vehicle for lease to another, but, generally, not allowed if you buy a vehicle for resale.

• The tax benefits otherwise available for an eligible vehicle are reduced unless you make an election not to apply the credit to the eligible vehicle.

• Rules that might limit the application of the credit against regular and alternative minimum taxes are different for the portion (if any) of the credit attributable to personal use and the portion (if any) attributable for business or other for-profit use.

Although the information contained herein is believed to be reliable, the author makes no representation as to the accuracy or completeness of any information contained herein or otherwise provided. The article is for discussion purposes only.

The article does not providing tax; accounting or legal advice and the reader should rely on its own accounting, tax and legal advisors for definitive guidance as to the applicability of the enclosed information to specific circumstances.

Source by Peter D. Rudolph

Finding Financial Freedom

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In a 2015 economic study, researchers found that eight out of ten American are in astronomical amounts of debt. Today, statistics showed that these numbers have only varied slightly, if at all, as the average American household is over eight-thousand dollars in debt. Financial debt is a cancer that is plaguing every part of our country from college students working to pay of tens of thousands of dollars worth of student loans, to hard-working businessman working a dreary nine-to-five just to pay off the house mortgage and put gas in the cars.

The reason for this ridiculous amount of nation-wide debt is simple: we have no idea how to save and are really good at spending. We come by it honestly – I mean, have you heard how much debt that our government is in currently? Something to the tune of nineteen trillion dollars. Based on that statistic, I would say that it is no wonder Americans are having such heavy financial struggles! Perhaps the worst part about this whole collaborative debt-mess is that the majority of Americans not only expect to accrue debt, but they’ve settled with that reality as fact, chosen to accept it as a part of life, and are making no conscious efforts to avoid it!

The good news, however, is that living with financial debt is not a requirement, nor should it be something to settle with. There are several steps that you can take today to begin paying off your debt and walking in financial freedom. Dave Ramsey, American businessman, author, and motivational speaker who specializes in finance, created something called the “debt snowball” to teach Americans how to get rid of their debt entirely. This method has been proven to increase the user’s internal motivation to get out of debt fully.

On first impression, this concept of the “debt snowball” may sound intimidating – after all, you don’t want your debt to snowball out of control… it’s already out of control! This method, contrary to its intimidating title, is built to keep you motivated as you pay off your debt with one simple trick: you must pay off the smallest debt first and work your way up to the largest. More information about this concept can be found on Dave’s website, but to put it simply, the steps to financial freedom are creating and maintaining a strict personal budget, putting money towards paying off those debts every single month, and starting with the smallest one first.

There is no such thing as a manageable amount of debt. If you are making the choice to settle with a certain amount of debt and live with the consequences, you are choosing to live in financial bondage for the rest of your life. When you make that choice, everything you do is dictated by someone else because, until they get their money, you belong to them. However, when you choose to work hard to pay off the debts that you owe, the joy that you will experience in the end will be so sweet as you put the life of debt behind you and walk in financial freedom!

Source by Eric Dladla

Communication Skills – Observation and Listening Skills

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Being able to observe and gather information is probably the most important basic skill you can learn if you want to improve your social skills…

This is because it’s the base of all communication skills.

What you say is obviously important but if you don’t know what’s going on right in front of you then you have absolutely no chance of being able to influence it.

In today’s society we have a tendency to become so dependent on technology like computers, mobile phones and sat navs that we forget to use our own basic observation and listening skills…

I remember reading about someone who actually drove their car into a canal because they followed the instructions on their satellite navigation system!

This is obviously a fairly dramatic and isolated instance but I think it’s safe to conclude that most people do not make the best use of their own natural observation & listening skills.

In Western culture we do not value observation and information gathering skills as much as they do in Eastern cultures. In Japan they have a word used to describe this ability called ‘amae’. Which refers to the skill of being able to know intuitively what a friend, business colleague or family member is thinking and feeling just by the way they look and sound.

The renowned Japanese psychiatrist Takeo Doi tells a story of a time he visited some friends in America. When he first walked in his hosts looked at him and asked him if he would like sometime to eat. Due to the fact that, in Japan, you do not ask someone if they would like something to eat, Takeo Doi became embarrassed and, even though he was indeed hungry, declined the offer.

In Japan, you would not need to answer this kind of question because your host would know intuitively if you were hungry by the way you look and sound.

It is clear that, in western society, we have much to learn from our eastern counterparts when it comes to the skill of obtaining information from the outside world. We can all get lazy from time to time and take things for granted. When we interact with people we can have a tendency to make generalisations or assumptions about who they are and what they do.

A couple of years ago I was fortunate enough to witness a keynote speech entitled Masai Masterclass by a speaker called Chris Howe. Chris is the CEO of a company called Changemaker and specializes in teaching large corporations the 5 key qualities of a Maasai warrior.

During his keynote Chris tells a fascinating story about a time when he travelled from Nairobi to a place called Tassia. On his journey he worked closely with the Maasai community in the Laikipia region in order to discover more about their culture and way of life. One day, while he was interacting with one of the Maasai warriors, he felt compelled to ask him what the procedure was when it came to killing a buffalo. The answer he received was not straight forward.

The Maasai warrior looked at him curiously and then started the following conversation:

Maasai Warrior: “You want to Kill Buffalo? Okay…At what time of day?”

Chris: “Ehm…Well, during the day, about 12 O Clock?”

Maasai Warrior: “Okay….In what weather conditions?”

Chris: “Well, let’s go for dry weather!”

Maasai Warrior: “Okay….and at what time of year?”

Chris: “Ehm….Summer time?

After about half a dozen questions of this nature they eventually arrived at a procedure for catching and killing a buffalo in those particular conditions. The Maasai warrior was quick to point out, though, that as soon as those conditions changed the strategy would also change.

All too often we have a tendency to search for that one technique that will work all the time, every time with every person. The reality of the situation, however, is that such a technique does not exist. Obviously having techniques and simple rules and procedures are incredibly helpful but the one thing that will dramatically increase your ability to communicate and talk to people effectively is to recognise that every individual is completely unique and it’s vital to first spend some time finding out what’s true for that person in that moment.

In fact, one of the most powerful things you can do to improve your communication skills is to open up your eyes and ears and become skilled in being able to notice what is going on right in front of you, right in the very moment and then tailor make your communication to suit that particular person in that particular moment.

So if you find yourself always trying to plan ahead of time all the things you are going to say to someone then great! it’s nice you want to be prepared, that’ll definitely help the flow of the interaction…Just remember that most of what you need to really connect with them at a deep level is right in front of you and the more you begin to open up your eyes and ears the more you will notice it…

Source by Steven Anthony Burns

How To Make Your Audience Sit Up and Take Notice

Cars

Know what visual conspicuity is?

Not many people do.

But it’s a term you should know if you create signs.

Conspicuity is the capacity of your sign to stand out. Put another way, it’s the capacity of your sign to be discovered by the eye.

Mostly subjective, conspicuity depends a lot on things like personal opinions, interpretations, emotions, and individual judgment.

Conspicuity is why some people notice your sign immediately and others walk by it without ever seeing it. No sign has 100% conspicuity with an audience.

Signs with conspicuity make an impact-no matter the size or purpose. Conspicuity is a critical design element to keep in mind when creating and placing a sign.

Types of Conspicuity

You need to consider two types of conspicuity when designing a sign: search conspicuity and attention conspicuity.

Search conspicuity depends on whether a person is looking for something specific, like a type of business or a house.

Someone walking pass a car dealership is more likely to notice signs in a car lot on her way to work than someone who’s not interested in buying a car.

Attention conspicuity has to do with a sign’s ability to attract attention as someone passes by-even when not looking for something specific.

Effective signage captures the attention of people-whether on foot or driving-when not looking for something specific at the moment.

Tips On Creating Conspicuity

Many consider attention conspicuity the more important type of conspicuity. Below are some tips on how to create attention conspicuity in your signs:

  • Use full color graphics. They have the highest awareness of all sign categories.
  • Use contrast. It creates visibility. Using light colored letters on a dark background, for example, makes lettering appear larger.
  • Choose a sign design that enhances individual letters. Using black letters on a yellow background or yellow letters on a black background makes your sign easy to read at a distance.
  • Make sure your sign is the right height. Use 1 inch of letter height for every 25 feet of distance.
  • Visual aesthetics are critical when creating signs. Font, color, graphics-all affect readability AND conspicuity.

Keep visual conspicuity in mind when developing signs and you’ll create signs that will make your audience sit up and take notice-even at night. It’s advised to choose best companies of your area to make a good signage for your business, that will help your business to grow high in your market with good visualized signage.

Source by Jack Moorehouse

6 Tips for Buying a New Baby Pram

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Babies love strollers. If you are a parent, you can’t skip buying this great equipment for your lovely baby. Since there are lots of baby prams or strollers out there, finding the best one can be a bit challenging for you. However, with a little research, you can find the best baby prams. With the 6 tips given below, the buying process will become easier for you.

Overall Budget

Prams are available for any budget. For instance, umbrella strollers are for you if you can afford to spend a good deal of money. However, if you buy second-hand, you won’t have to spend as much. So, you have to have a clear idea of how much you can shell out for the product before you set out to buy one.

The Ease of Use

Often, you have to buy strollers that can be folded without any problem. After folding them, you can put them in the back of your car. Therefore, you should look for a pram that you can slide into your car with ease. As a matter of fact, convenience is the number one factor that you should consider when investing in a baby stroller.

Match Stroller to Local Terrain

Ideally, you need a pram that can be used on crowded streets as well as on streets. However, if you reside in a rural area or if you love hiking with your baby, you should get a stroller that can work well on gravel and dirt roads. Buying the best stroller based on your environment is a great idea. On the other hand, if you live in an urban area, we suggest that you look for an umbrella stroller.

Look for a Pram That Can be Folded

Some baby prams feature a one-hand fold. This feature is great. It allows you to fold and unfold the product in the blink of an eye. So, you can put in or take out the pram out of your car without any problem.

Consider a Double Stroller

Most strollers are inexpensive. Some are sturdy and spacious enough to accommodate 5-year-olds as well. If you have more kids, we suggest that you look for a double stroller. The additional seat may keep your shopping bags or backpacks.

The Language of Strollers

Before you buy the best stroller, make sure you understand the language of different strollers. For a start, you can visit a local store and take a look at strollers in the aisles. However, if you understand the difference between different types of baby prams, you can easily find out which one may work for you based on your needs.

Conclusion

Although you may get overwhelmed by the tons of baby prams in a store, you can find the best one with a bit of research. Once you have considered all your options and determined the best pram type based on your budget, lifestyle and family size, you can find the best one in your price range. Just make sure you don’t make the price your only deciding factor.

Source by Shalini Madhav

Funding Your Bachelor Degree Education

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For the average working adult, going back to school can be one of the largest investments he will make in his life. But if you have some time before you pursue your studies, instead of applying for a bank loan, why not let time and capital work for you. Even if you plan to pursue a bachelor degree in the near future, say, in three years more, you can still save for it.

First of all, you need to have a target amount. Usually, the course fees represent a large portion of the cost. Other costs are examination fees and living expenses for those who come from other towns.

Some students may choose to study full time so that they can focus on their studies. In this case, if your employer doesn’t give you paid time off to do your studies, your budget will increase significantly, as you now have to account for your entire living expenses. In addition to that, you’ll still have to continue paying for things like insurance, car, mortgage, credit card as well as utility bills.

However, expenses can be higher if the course is done part time, as the person has less time to devote to his studies. As a result, he may have to prolong the program or even have to re-sit some papers, which means additional examination fees.

How much time you have to put aside the money depends on when you plan on taking up the program. When is the ideal time to start? To get more out of a bachelor degree, it would be good to have real world working experience of two to three years, on which to reflect upon when you’re doing the units.

At least three years of working experience would be good but you shouldn’t wait too long as the motivation level will drop. Even if you commence your studies in three years, you don’t have to pay the money in one lump sum. You can save through the study period as well which, gives you more time to accumulate funds.

Many education centers and colleges have worked out interest free schemes that you can use to your benefit. You can let your money work for you while you use the interest free payment option.

There is also an option for students to pay their fees in the monthly payments over the period of study and if the amount is paid in a lump sum, students are given a rebate. Another option is a scheme in collaboration with a bank, where students pay few hundred dollars at the start of the program and nothing else for two years. Thereafter, they have the option to repay in installments upon completing their studies.

Finally, you need to work backwards; given the number of years, inflation rate and a projected rate of return to come up with how much you need to put aside regularly. However, inflation may not have a large impact if your study period is short.

Once you have the total figure, you can start saving but you may not have to start from scratch. Perhaps you need not finance the whole amount yourself. Though the competition for scholarships is high, you may run into a bit of luck.

With a short time frame of three to five years, there are few choices in terms of investment vehicles. If you only have three to five years, you should seek a liquid and low risk investment such as putting your funds into a portfolio of fixed deposits, bonds and balanced funds. However, the chosen investment vehicle should also take into account the individual’s own risk profile and how much return is required as well.

Last but not least, it is important to review your plan regularly and rebalance your portfolio accordingly.

Source by Michael Russell