Car insurance is definitely a case of ‘you get what you pay for’ and there are only two ways of getting “cheap” car insurance. The first is by purchasing a policy that only covers you for your state’s minimum insurance requirements. You’re a great driver aren’t you? It doesn’t matter, the minimum coverages are not going to be adequate if you get into a serious accident caused by you or someone else – you could end up being sued and possibly losing your case – even if you were in the right. You will incur legal costs, court costs and end up paying the amount of the lawsuit, and in extreme cases you may end up losing your home and paying to repair and replace your vehicle.The only people who get cheap car insurance, in comparison with the rest of the population, are people who own a sensible vehicle. Which means there is no financing involved, they will be a middle-aged woman, in a steady and sober occupation such as a teacher or banker, and have a pristine driving record with no tickets for moving violations or any accidents. She will also have a good credit history, live in a rural area in a state such as South Dakota and pay for her policy in full on its renewal date. Her car will have an anti-theft device, anti-lock brakes and be kept in a secure location when not in use. She will also opt for a large deductible and not drive very far.If this doesn’t apply to you, then you are going to have to do some research and shopping around. Every state requires that you have vehicle insurance, so there is no way around it, but remember what you are paying for – a good car insurance policy, tailored to your lifestyle and needs, should provide you and your family with peace of mind.Property, liability, and medical are all included in your cheap car insurance plan. If your medical bills, or those of another person involved in accident exceed the minimum limit you opted for, then you could be out of pocket. Property coverage pays for damage to or theft of your car, if you paid cash for that brand new car and only have minimum coverage, again you will be out of pocket. Bodily injury or property damage caused by you is taken care of by liability coverage, with cheap car insurance this may not be an adequate amount. If you opt for the minimum, the costs of treating injuries, rehabilitation and lost wages and possibly funeral expenses are paid by medical coverage – but only up to the limit you have requested.To get cheap car insurance may cause you major financial problems in the event of a serious accident. If you are that middle-aged teacher in South Dakota, you’re lucky, for the rest of us, cheap car insurance may cost us considerably more than we bargained for, in the event of a serious accident. So contact an experienced auto insurance agent to discuss what is best for you.
How to Find Cheap Car Insurance Tips
Fly High With Jobs in Kolkata
The city of Joy, Kolkata is basking in the glory of a boom in the city job market. Job opportunities in Kolkata are on an upward growth trajectory in varied sectors. The city which serves as the capital city to the eastern state of India, West Bengal is growing by leaps and bounds.Fondly known for its amazing food, rich culture and lively environment, Kolkata has many contributions to its credit in supporting the country’s growing economy. Talking of the current scenario, Kolkata is emerging out to be a promising destination for job-seekers. Industry experts are hopeful that in the coming years, Kolkata would be the top city for jobs in sectors across.City offering all types of employmentThe city warmly welcomes freshers from all education levels and backgrounds. It is providing employment to people in almost all sectors including engineering, teaching, information technology, banking, finance, hospitality, and manufacturing, among others. It does not matter whether you are finding a full-time, part-time, work from home or freelancing jobs, you will come across numerous job openings. Those looking for an easy and rapid earning can get variety of job options ranging from call centres to writing jobs and data entry to customer service jobs. The flexible working schedule and stress free nature of part-time jobs are luring students, house wives, retired and even working professionals.Moreover, for those looking for govt jobs in Kolkata can expect a plethora of opportunities in various govt organizations and institutions. However, with hordes of people with similar skill set competing for the same position, you have to go that extra mile in order to increase your chances of getting a job of your choice.Emerging outsourcing destination for engineering businessKolkata is fast emerging out to be a future spot of outsourcing, especially for core engineering businesses due to cost benefits related to services and work force. It is also known as the cultural capital of India owing to the socio political recognition, human sense and historical tradition. With the passage of time, it has earned a tag of outsourcing destination due to reasons like availability large pool of experienced and fresh talent with different expertise, urban infrastructure, low real estate prices, best in place policies of the govt and presence of ace educational colleges supplying skilled & intellectual workforce annually. It has the fastest growing economy all over India and global companies in the field of IT and software, engineering, procurement & construction, heavy engineering, manufacturing are choosing Kolkata over other metro cities like Delhi, Bangalore, Mumbai and Chennai.Excellent career opportunities in the IT and finance sectorWith more and more IT and finance foreign multinationals establishing their offices in the city, freshers and seasoned professionals can expect abounding job opportunities. Some of the top IT companies located in the city are listed below-· Tata Consultancy Services· HCL· Wipro· HCL· Tech Mahindra· Genpact· Mphasis· Ramco Systems· NIIT TechnologiesSome of the top banks housed in the city are mentioned below-· Allahabad Bank· UCO Bank· United Bank of India· Standard Chartered Bank· Bank of AmericaOn a conclusive note, jobs in Kolkata are available in abundance. Flaunting a positive and confident attitude with a clear-cut approach shall determine your success in climbing the career ladder.
8 Tips To Protect Your Garden Water Feature During Winter
Winter is here! This leaves us lots of small chores and tasks, some of which it’s very wise to not put off for very long. If you have a water feature, chief among them is to make sure you’ve taken the time and the small effort to winterize it and protect if from the season’s elements. Winterizing your water feature equals a big potential savings both in money and even in time later down the road. Believe me minutes spent now could save you hours come spring!
Let’s take a look at some easy tips to get your water feature ready for winter. We’ll keep them pretty broad so they’ll cover small features all the way up to the medium end of things at 200 gallons or so. Most of us fall within this range.
Here we go!
1. Keep the Water Moving. This is very important, especially if you have fish. Most people will either keep their pumps at a maximum flow to ensure big water movement and avoid it freezing over or warm a small area of their feature for the fish (if any) to take up residence in. This should keep you fro freezing over totally and help protect your water feature.
2. Take out the Plants. Removing plants is a great idea for the winter and I’d suggest taking care of this at first frost.
3. Clean, Clean, Clean. I know, cleaning your water feature is no fun but it’s also absolutely necessary. Start with any large debris and then work your way down to the small stuff. Check carefully and see if there’s algae either on the bottom or sides of the feature or on or near the pumps (if any.) Don’t worry if you do find algae, it just means you’re going to have to follow through with a algae treatment or two. These treatments are pretty inexpensive and all you do is follow the simple directions on the bottle. Another one of the possible options is to drain the feature (if practical) and totally scrub it down and then refill before freezing weather comes in but this depends on your individual water features size and complexity as well as your own time and desire to deep clean.
4. Pump Removal. OK should you choose not to keep the water moving (tip 1) it’s very important to remove your pump or it will freeze and break. This will turn into a very big avoidable expense as water gets into the inside of your pump and ruins the electric work. Whether you choose to follow tip 1′s advice or tip 4 here is really up to you, and the aesthetics of your outdoor area but please, for your winter garden’s sake, do one or the other!
5. Prune Surrounding Trees. This will save you lots of time having to clean your water feature every day. Prune your surrounding trees so they are constantly dropping debris into you feature. You’ll look nice and not have to worry about your pump clogging should it still be running or other issues. Spring will go much smoother as well!
6. Clean up Brown Water. If you didn’t act fast enough with cleaning out your water area and removing debris / pruning your surrounding trees you may notice your water taking on a hint of brown. Follow the steps above first and then add activated carbon to the water to quickly get it sparkling again.
7. Consider a De-Icer. If your area is known to become super cold a floating de-icer is a good option to protect your water feature in winter. These are very cool (no pun intended) floating in the water and automatically turning on when it reaches a freezing temperature, turning back off once the water is heated. A great way to save money as well as ensure your feature isn’t damaged.
8. Keep the Fish Happy! If you do have fish there’s no need to feed them all winter as they’ll naturally enter a sort of hibernation. In fact once the temp gets around 55F if you do keep feeding them you can even endanger their lives! So cut them off at that point. What you will need to consider is adding a small re-circulating pump to keep the water oxygenated for them. This will also keep a whole in the ice, if any, ensuring a gas exchange and live, happy fish.
So as you can see there’s lots of winter excitement to be had keeping your water feature protected from the elements! Did I miss any tips you do every year? Let me know I’d love to hear them!