The Advantages Of Getting Backyard Swimming Pools

Backyard swimming pools are great for people on their own or those with families. With the coming of summer, it couldn't be any timelier to get one installed in your house. A pool isn't a senseless investment. For one, it can help you beat the heat. But more than that, it offers a lot of other impressive advantages that should more than make up for what they cost.

With a pool accessible in your own house, you don't have to go anywhere else for a relaxing, fun time. That not only saves you money, but effort as well. Whether morning or night, you have the benefit of being able to satisfy your craving for a cooling swim. You don't have to worry about carrying a load of stuff with you to a public pool, or sharing the space with a bunch of kids and adults. You can just take out a pool floater, take a dip and then lie out on top of the water with a drink in hand, and chill out for a few minutes. You can even make this a daily routine if you want, because with your very own pool, you have a personal oasis at your disposal.

A pool will also help you get that needed exercise, since you can do 30 laps every morning or after work, free of charge. Swimming can burn up to 570 to 900 calories per hour. That's more than the approximate of 600 calories an hour of running can get rid of. With swimming, you don't have to deal with that uncomfortable sweaty feeling or have to subject yourself to public display. Considering that a treadmill costs around $315, it would make more sense to get cheap above ground swimming pools instead, and take advantage of its other possible purposes - the third being a good side business or social attraction.

With a pool in place, you can host pool parties every weekend for your friends and family. You can have them bring the beer and barbeque, and you could spend the evening dancing and swimming away. As an alternative, you could also open up your place to your neighbors for a fee. The parents living next to you would appreciate a safer and more affordable recreational alternative for their children when they are out of school. At $5 to $10 per head, you'll be able to earn back the money you spend on pool supplies.

Lastly, a pool will also be an excellent resale attraction if ever you intend to move to another place. You could probably end up with more than what you spent for it, since the house's features will also be included in the price.

Having a pool in your own house can both be an exciting and frightening aspiration - exciting, because of all the fun things you can do with it, and frightening, due to the fact that you may incur a huge amount of expenses. But when it comes to getting a recreational facility installed in your backyard, money doesn't need to be an issue. There are cheap above ground swimming pools being retailed today, and for as little as $150 to $1000, you can actually get yourself brand new backyard swimming pools any time minus the hassle of construction and high costs.

Fine Tuning Your Swimming Pool's Chemistry

Swimming pools can be attractive and can add value to your home. A properly installed pool looks beautiful at first, but poor maintenance can erase all the good looks. It's a waste of money to set up a swimming pool and just let it go murky. Regular maintenance may be tiresome, but a one-time and major cleanup can be even more annoying. Pool maintenance is possible with general checkup and cleaning, both requiring use of swimming pool equipment.

One of the tricky things about maintenance is checking the water chemistry. Note that while the filtration system does much of the work in maintaining good water condition, tweaking the water chemistry is the key to making your pool suitable. Chemical balance is important to keep the growth of microorganisms and the production of harmful chemicals. Certain water conditions favor proliferation of bacteria and other pathogens. At the same time, poor chemistry can also be a sign of inadequate filtration and chlorination systems.

There are signs that indicate poor water chemistry-cloudy water, discoloration and chlorine smell. If you suffer from skin and eye irritation after swimming, this is an indication that the chemistry should be checked.

Eliminate the pathogenic agents.

Chlorine is the most popular disinfecting agent. Although chlorine gas may be used, commercial pool disinfecting agents are in the form of calcium hypochlorite or sodium hypochlorite, the same active ingredient your household bleach has. When a hypochlorite compound is added to water, hypochlorous acid is yielded. This weak acid kills bacteria. Bromide compounds can also be used to disinfect the liquid.

Is chlorine the culprit?

Pool chemistry is largely affected by the amount of chlorine in the liquid. If you paid attention during your high school chemistry class, you would remember that hypocholorous acid is unstable and easily decomposes, especially when exposed to ultraviolet light of the sun. It also reacts with other substances. A stabilizing agent can be added to chlorinators to prevent formation of other chlorine compounds. An example is cyanuric acid, which also keeps hypochlorous acid from easily decomposing upon exposure to the sun. However, it is a common practice among pool owners to chlorinate the water at night to get the best desired effect.

What happens if hypochlorous acid combines with other chemicals?

Hypochlorous acid is supposed to kill bacteria and not react with other compounds. It may react with compounds like ammonia (found in urine) to form chloramines. Chloramines no longer disinfect your pool. Worse, they are irritants, as they cause eye and skin irritation. So, when you suffer from skin irritation, it's not directly because of the chlorine present in the water, but because of the byproducts of chlorine. That unpleasant smell can be attributed to the presence of chloramines. Chloramines can be eliminated by shock treating the pool. This is done by the application of strong pool chemicals to remove organic compounds in the liquid.

What about water pH?

Water pH is one thing that you should not miss. It should be at 7.2, but a range up to 7.6 is tolerable. Test the pH regularly using test kits. Small amounts of hydrochloric acid can be added if its pH is too high. Tests can be done every 6 hours to ensure that the pH level is at the best possible. Adding borate to water stabilizes its pH to some extent.

Yoga Apparel and Clothes - Getting Acquainted With The Best Yoga Tops

Yoga is considered to be one of the healthiest and most relieving exercises in the present day times. Yoga has been there for centuries, without any reduction in its importance. There has only been constant evolution and betterment in order to make it fit for the present situations. Nowadays, since yoga classes are becoming quite popular, you need to pay special emphasis on the yoga apparel and clothes as well. This is quite important because proper tops help the teachers in keeping a check on the muscle and bone movements of the students. Any kind of alignment errors can be corrected there and then.

A good number of yoga experts suggest the students to wear formfitting tops and bottoms. There may be some obese students might look forward to hide beneath loose fitting clothes. Therefore, it becomes quite important to know about ideal tops for various types of yoga. Every yoga type is different from each other and therefore, you might need to fit yourself in ideal tops in order to avail proper benefits.

1. Power Yoga Tops Various forms of strenuous yoga like Ashtanga and other power yoga asanas need more support. This condition might especially apply to the women having large assets. Therefore, you need to wear something that can provide more comfort and that too, without drawing much attention towards the assets, like in the case of sports bra styled tops. Women can go for various yoga tops that are especially designed for power yoga. They are capable of providing a modest look to the upper portion.

2. Moderate Yoga Tops Hatha, Iyenger and other forms of moderate yoga asanas might call for the need of tops that are capable of providing medium level support and sheer comfort. There are certain yoga tops that are ideal for such kind of classes but can appear to be too revealing to some students. Therefore, choosing proper formfitting tops for moderate exercises would be an ideal option.

3. Hot Yoga Tops Hot yoga like Bikram and other similar forms are generally practiced in closed rooms, with temperatures rising above 104 degrees and the humidity level of over 40%. Cotton yoga tops will become heavy and uncomfortable within no time. Therefore, small and thin tops, made from sports materials, will be ideal for such kind of yoga sessions.

So, these are some of the best tops that can be given a thought while choosing best yoga apparel and clothes.

Yoga and Your Most Valuable Commodity

How are you managing your most valuable commodity?

It has been a wild ride these last few weeks - 7 cities in 8 weeks. Then all the added things like a sister who has stage 5 cancer, a 93 year old father who has decided he wants to take back managing his finances, throw in wasp nests of many styles including the real thing, a web guy can't call him a master good heart but missed changing my e-mail link with PayPal and that means no sales they all go out into the abyss. Ahhhh. Thank God for the breath. I so know I am not the only one with a few challenges these days. What to do?

Time to know that we all are a mixture of dark and light. It's all about where you put your time and energy to build, define, refine. What helps us do that is the deal and it needs to be fast these days. It's can't take 2.5 hours anymore. It needs to change our energetic states on the spot.

Actually there is the full-length version. What you do first thing in the AM and how you arise set your mindset and your connections. What do you do during the day to rejuvenate yourself and bring back to neutral, non-reactive? I have some tricks to share.

After 40 years of teaching yoga and meditation, doing healing work, running businesses and building communities I have a few tricks to share. Are you open to utilizing them?

1. I keep my yoga mat next to my desk so I just take mini breaks during the day. 2. I exercise every day. A 30 minute swim or roller blade plus some yoga every day. 3. I pay attention and eat when hungry. Some days very little and others graze all day. 4. What I eat is as important as when and how. What do you need to be eating? 5. Alkaline is all it's pumped up to be. It keeps you young and alive. What is alkaline? Google it. 6. Sometimes a moving meditation will balance your brain, and connect head with heart.

Hunched over your desk, not breathing is not a way of life, it is a way of death. Are you dying? What are you doing to live? My father asked me "What are you doing to have fun?" I told him the things I was doing and that I love most of what I get to do and who I get to do it with. This is the life I want for each of you.

I will not tell you that if you do this you will never get tired but I will tell you that you will have more energy because you are source-connected. It is the key to co-creation.

Connect first thing in the morning and keep bringing yourself back to that connected state. Try this for reconnection.

Three Part Forward Bend - The Brain Fountain of Youth

Stand with legs wide open. The stiffer you feel, the wider you should spread the legs.

Bend over and place the fingertips on the floor right under the shoulders. Bend the knees if necessary. When inhaling, lift trunk and head parallel to the floor. Exhale in three-parts, lowering head and trunk towards the floor in three equal parts.

1-2 minutes

Gift

This pumping motion activates the spinal fluid up and down the spine and through the brain. Allows your legs and spine to stretch. The enhanced breath helps release overwhelming feelings.

Let me know how it works for you. Also love to know what you do to get your real energy.

Blessings, Gurutej Khalsa The Energy Guru

What Is Yoga? Classes, Studios And Styles For Beginners

What is yoga and how do you get started with it? How do you choose from so many styles, studios, classes and levels out there now. If you are new to yoga and wanting to learn the basic of the poses then consider taking a class for beginners. There are many styles to choose from depending if you want a vigorous, moderate, gentle, meditative or therapeutic style and if you want how to yoga poses.

If yoga for weight loss is your goal, then the vigorous styles such as vinyasa, power, flow hot, or Bikram are your best choices. These will be very physically demanding and the instructor often just call out the names of poses without explaining how to get into them properly.

The instructors also don't offer modifications if you have past injuries, surgeries of physical conditions that will limit your practice or range of motion such as arthritis or a herniated disc. Hot yoga such as Bikram is not for the faint of heart and will add another level of difficulty to a demanding practice. Because of the challenging nature of these styles of yoga, they are not ideal choices if you are unfamiliar with yoga unless you are an athlete and in prime physical condition already. Most injuries come from these kinds of styles of yoga due to their aggressive nature and lack of modifications.

The more moderate styles such as hatha yoga can range from challenging to accessible depending on your athletic ability and range of flexibility. Hatha yoga is usually the standard taught at most yoga studios in the US. You will find many of the classical poses here such as warrior, down-dog, cobra, plank and chair pose. There is not a lot of variation in these classes and if you are looking for a challenging practice without it being overwhelming then it might be an appropriate choice for some beginners. There is not a lot of modifications in these classes so if you have injuries or limiting physical conditions such as knee or wrist problems then it is not an ideal choice.

If you have injuries or limitations but still want a challenging practice then an Iyengar class is ideal. Iyengar teachers have the most rigorous standards for their teacher training in terms of their knowledge of biomechanics and anatomy. They have superior knowledge with working with students with a range of conditions such back pain or tendinitis. If you are new to yoga, make sure to go to a level one class.

If you want a gentle, more meditative style or are suffering from anxiety, insomnia, cancer or depression, restorative yoga is an ideal choice. This will not be a workout the way some of the other styles of yoga are but you will be passive in many of the poses with a lot of props such as bolsters and blocks which will help the body to release deeply embedded patterns of tension and tightness. You won't have to worry about injuries since it is not physically demanding like the other styles of yoga.

Access Situation and Finances to Get Best Landlords Insurance

Landlords insurance is becoming a fad. But there is a reason behind it. Nowadays renting out property is making some financial sense. One can yield a lot of money by letting out the accommodation to another person. Especially in the tough economy, letting a spare house or even a room makes for a wise decision to meet some of the monthly expenses like mortgage or housing costs. So the need to explore the advantages and disadvantages of procuring insurance also arises. The main advantage of obtaining insurance for rented accommodation is that it protects the investments along with the property from unexpected losses. So, various landowners are converting the homeowner policies to some comprehensive policies proffering landlord protection.

Before converting the previous insurance just take a look at some of the important points that can help in finding the best landlords insurance.

• Access the situation: Just like other insurance policies insurance for landlords offers financial security and coverage against the unlikely yet costly events. Different types of insurance cover damage costs arising out of different situations. Property damage coverage is also called peril insurance. Some umbrella policies cover wide range of incidents resulting into the damage of the property. This comprehensive coverage also offers the protection against discrimination or defamation charges. So evaluating the scenario is the most important and primary task which must be done prior to obtaining the policy. • Access finances: Insurance requires some investment on the part of the landlord. So it requires determining the budget of an individual before considering the various options in landlords insurance. Due to some interruption in regular flow of rental income one can face hard times due to shortage of finances. In this situation the insurance becomes very useful thing. On the other hand one can inspect the replacement value or cash value if one is mainly considering it to pay for expensive repairs. One can also take into consideration the role of deductibles that affect the insurance premium in a very healthy way. • Locate an agent: Locate an agent as one can get the vital assistance on this stuff. Procure information on the landlord insurance from an agent. This way one can compare the information gathered from various agents to find out the affordable yet functional policies.

Thus one can access the personal needs and finances and then can procure the information from the agent to point out the most suitable landlords insurance.

Home Inventory Professional - Licensed and Certified

When searching for a qualified service professional, do you often ask if they are licensed and/or certified? Many industries require licensing and some require certification. Some are required to be both - or at least it is expected of them, and you wouldn't consider hiring one without those two labels.

Not so in the home and business inventory industry. Neither is required, or expected. There is no official licensing - period, even though some make that claim! Possibly they're licensed in another profession (home inspection, for example), but being licensed in the home inventory industry? No such thing!

Now, certification is another story. Just as with licensing, certification is not required nor given a blessing by any of the powers that be in the business or legal world. Certification can be very loose. Anyone can create a certification program and claim they have the certification for that industry. However, that is their take on their program. That doesn't make it bad. It doesn't make it the best. It just is what it is.

So, "Why?" you ask (I'm assuming you're asking), are we as a home inventory professional and also owner of a home inventory turnkey business package, certified, when none is required by law?

There is a perception of excellence by the public when someone is certified. There is a sense of being "better" when there are initials following someone's name. Other professional inventory service providers are getting certified, and since we consider our program and product to be tops in our industry, we felt it was our responsibility to provide the opportunity for all of our group members to achieve a certification as well.

Certification, according to Wikipedia, "is a designation earned by a person to assure qualification to perform a job or task." As with most certifications where it is not required by law, there is no "anointed grand poo-bah" who blesses those of us in the industry who have chosen to be certified. What achieving certification does, however, is demonstrate a desire to be considered one of the best, one who cares about their customers, one who seeks excellence, and one who wants to represent himself or herself in a brighter light as a leader in the industry.

Is one certification better than another? No, I don't think so. We chose to be certified by the National Inventory Certification Association because of their policy regarding confidentiality and respect for each individual company's intellectual property. This fits better with our organization since we guarantee confidentiality and proprietary information for our Group Members - one reason they purchase the turnkey package. The NICA allows us to honor that.

Are others as good as NICA? I would guess the answer to that is, "Yes." Actually, I believe that certification is as good as the members of the organization, not the other way around.

So, should you ask if someone is licensed? Definitely - and if they say yes, that will tell you exactly what you want to know about them - then run!

Should you ask if they are certified? Again, definitely! This tells you that they spent time and money learning the industry and passing a test, and agree to abide by the ethics the certifying company posts on their website.

Medical Billing and Coding - Where Can I Get A Job As A Medical Biller Or Billing Specialist?

If you're thinking about getting a job in the medical billing and coding field with or without training you may be wondering what kinds of businesses or companies would be hiring you. First of all if you have training already you're far ahead of the game. Certainly you can get a job in this field without billing and or coding training through courses or programs but by getting training online or on your local campus you will be more assured in getting a job. With this education and/or training you'll get a higher salary or start at a higher hourly rate.

The kinds of companies or business or practices that could hire you include not only medical billing services but many other small businesses and also home-based businesses that are looking for help. Often people get training on the job because they're willing to move from a job in the company they are already with to train in-house for that position. That makes it easy.

But what if you don't? The kinds of companies other than billing services that are looking for medical billers, medical billing specialists, medical insurance specialists, medical coders, and medical billing assistants and from a long list of other titles often pinned to that job.

These companies and facilities include: small to medium-sized or large doctor's offices or clinics including family practitioners, providers for geriatric or pediatric services, chiropractors, naturopaths, osteopaths, oncologists, obstetricians, proctologists and podiatrists.

There are mental health professional clinics, psychiatrists, psychologists and dentists in small, medium or large clinics. Don't forget nursing homes, assisted living centers, social workers, ambulance services, pharmacists, home health practitioners, durable medical equipment providers and even providers of bionic body parts!

Simply in this job description you would be billing and receiving reimbursement from insurance companies, working with patients, insurance companies and your employer. If you were a medical coder you would be coding instead of billing, which has to be done before forms are sent on to a biller. In some cases you may be working in both capacities as a medical insurance specialist.

There is plenty of money available to help anyone who decides to enter the medical billing and coding fields. Often this is not commonly known. There is money in the way of financial aid through the federal government. There are scholarships and grants. There is money set aside to help finance online courses in medical billing or any other field of study through the federal government as well. So if this is an area you think you might enjoy, the salaries are good and are worth checking out further.

Shooting the Perfect YouTube Video Part 2 of 2

In part 1 of this article I covered why shooting good quality YouTube videos is essential if your business wants to increase conversions. I outlined some handy camcorder filming tips which will help you to improve the quality of your online video. In this article I will outline some more of these tips which will help you on your way to shooting the perfect YouTube video.

Avoid shooting in the bright sun

If you are shooting a video in the middle of the day then this can result in some not so nice shadows. It would be far better to line up your shoot sometime in the morning or later in the afternoon when the bright rays of the sun have subsided somewhat. This will lessen the effects of shadows. However, if you absolutely must shoot your video in the middle of the day then make sure you head for an area where there is some shade.

An external microphone is better

One problem with the internal microphone on some, not all camcorders is the noise from the camera motor. If this is picked up then you really won't be pleased to hear this noise in the background of your finished video. An external microphone will produce better results for you. If your microphone has a windshield or pop up filter then this will help to mask the sound of the wind. Some camcorders have what is known as a wind cut feature which will do pretty much the same thing if you do not have a windshield on your microphone.

Shoot more not less

Have you ever played back your finished video and wished you had more footage of a particular scene? I know it's happened to me on a few occasions and there's not a lot you can do in these situations. I always advise to shoot a little bit more of a scene you consider to be special. Then when you come to edit the video you have plenty of footage to play with.

Shoot related scenes to the subject

If you are filming someone at a location you consider of interest, then shoot scenes of the location as well as the subject. For example if you are filming a person in San Francisco then take shots of the trams, the Golden Gate Bridge etc, to add professionalism as well as realism to the scene.

Keep the camcorder battery charged

Keep a close eye on the battery level of your camcorder. You do not want to find the camera dies on you just when you have found something of interest to film. Charge the battery fully the day before you aim to start shooting.

Have enough tapes, memory or hard disc space

It is all too easy to keep pressing the record button on the camcorder. The problem is video takes up a lot of space, this is especially the case if your camcorder has a built in hard drive or memory card. A few seconds of video can eat quickly into your storage capacity. Make sure if you are using a hard disc camcorder that you download your footage to your computer. You can then delete these scenes from your camcorder and free up more recording space, knowing you have them backed up on your computer. If you are using memory cards you can do the same, but also have a spare memory card available. If you are using digital tapes then ensure you have a good supply of these at hand.

Conclusion

I hope that the tips I have given in part 1 and part 2 of this article will help you on your way to creating great looking YouTube videos. The better the video, the higher the number of subscribers you will get, which can only be good for your conversions.

The Advantages of Corporate Video Production

A corporate entity can really benefit from proper corporate video production from an experienced and effective video production company. Corporations need videos for a variety of purposes including training videos, service promotional videos, product or company promotional videos, or informational videos that are all intended for a smaller, targeted audience. Viewers of these videos are usually employees, new hires and other businesses. These types of videos are often staff safety and training videos, financial results videos and promotional films.

These videos can be incredibly boring and ineffective if they are not done by a professional video production company. This video production company will have the skills to take the messages that the client wants to convey and present them in an interesting and unique way. This is why corporate video production from a quality production company presents huge advantages over no corporate videos at all.

Corporate web videos have some serious advantages to corporations. First of all, they are a great way for a company to train their staff members, even those who are thousands of miles away. Companies can create videos to be posted on their website and accessed only by allowed users, like specific sectors of the company. These videos can be viewed online by the staff members who log in to access them. They can also be used to teach continuing education or safety training for staff members of a company. This is a far more affordable option than company leaders spending time and money to fly across the country just to give employees a quick training session or informational meeting. These viewing tools can save thousands of dollars off a corporation's bottom line and will help them reach out to more staff members than ever before.

Corporate video production by a company that specializes in production is also advantageous to corporations because they can also be used to promote their business online. When someone who is looking for products and services that are in the same field that you are in as well, you can use corporate videos to generate interest and to get the word out among people. The videos can usually be made affordably for a company and can be optimized for search engines so that when people search for the topic that it also utilizes, the potential customer will be directed to your video. The video can sell the product or services to the web user in an interesting and informative way so that they are interested and want to know more. These videos are a way to market products to future clients in a way that still fits into a company's overall budget,

Corporate videos are a vital part of all corporate operations, from training and safety information for employees, to product and sales information to staff members, to promotional and marketing videos for potential customers. These videos can be created by a quality video production company with the knowledge and the talents to make videos that serve the correct purposes and help to advance the company's initiatives.

An Overview of the Elements of Web Video Production

Web videos are an effective and creative way to sell your products and promote your business to the millions and millions of people who use the internet. Featuring videos on your website as well as on YouTube and other video sharing sites can really advance the scope of your business. Sell your products quickly and generate interest in your website and products by enlisting the assistance of a quality web video production service.

What is web video production? All of the professional quality videos that you see on the web need to be filmed, then edited and listed on the Internet to publicize your business easily. This process might sound simple, but if you have ever attempted to do video production on your own without any training in the necessary software programs and computer applications required, you could end up with an ineffective and amateurish product. Web video production company will:

Assess the needs of your company and devise a well-crafted, intelligent and humorous script to get your message across and to attract customers to your business. Hire or enlist professional actors or amateurs, depending on the needs of the specific video they are creating for you. Film the video for your company either on location or in a green room studio, whichever works best with the particulars of the video and what your vision is. Edit and produce the video in a professional and clever manner. They will add in any necessary voice overs, put in exciting and interesting music, add graphics or other designs that will make the video pop and ensure that the entire web video tells the story properly, smoothly and in a unique way.

Throughout every step of the process, a quality company will enable you to have as much say as you would like over each aspect. You will of course get to approve the script and add or delete anything you see fit; you will be able to discuss the filming in depth and can be there for the filming or even be in the film if you like. You will also have the last word on every decision regarding the production of the video because the video is for your products, services or company and should be exactly what you want it to be.

The web video production process does not end with the final cut of the video. The video production company should also help you to give the video the proper tags, title, and Meta descriptions so that it will rank highly in search engine results. They should help you to market the video and generate a buzz about it through websites like YouTube.

Choosing to market your business, products or services online through a video is a great option for anyone who wants to increase their customer base and improve their revenues. When your web video production is done by a qualified company, your professionally done video will really sell your business and will wow current and potential customers. Save your time and enlist a skilled company to do all of the production for your web videos.

Garage Liabilities and Why You Need It

You might wander what Garage Liability Insurance is for. Garage Liability Insurance covers any vehicles in your care at your business. These vehicles can be both franchised or non-franchised, and can be for an automobile, truck, motorcycle, recreational vehicle, 18-wheeler and its trailer with cargo. However, it does not cover customers' cars left in your business's care in the parking lot or garage. Garage Liability Insurance covers claims of damage to property regardless of fault or who was involved, and personal bodily injury of any person as long as it happens during business operations and is on business property. There are two different insuring agreements with Garage Liability Insurance: Who is insured and limit of insurance and there are differences in each that are notable.

In the case of insuring customers' vehicles, you need Garage Keepers' Insurance. They are usually sold together as a package so you are fully protected from any kind of accident or situation. Even though they are usually sold together, you still have to sign separate contracts and may have to ask about one or the other if it is not automatically offered.

Who needs this kind of insurance? Gas Stations definitely need it. Used Car Dealers have to carry several vehicles at a time, so they definitely need it. Auto Repair and Body Shops because of the volume of traffic they face daily. Car Washes, Parking and Valet Lots and Garages also benefit from this insurance. Mobile Auto Repair or Detailing Shops because of the delicate nature of their work. Tire Sales Dealers either used or new. Used Motorcycle, Large Truck, and RV Sales also need this insurance, including the service of these vehicles. Pretty much any business where you keep a lot of vehicles in a small area can benefit from Garage liability insurance.

What are the determining factors of my rates? Generally your rates are determined by several factors. First, the type of business or operation you run can affect your rates. The number of employees and/or employee payroll size can increase or decrease your rate. The territory area you do business in can raise or lower your rates. Acceptable Motor Vehicle Reports on all drivers can give you increased rates if you have a lot of employees who need to be on the insurance plan. Safety of vehicles and how dangerous they can be. The condition of holding space, security systems of premises, and requested limits of coverage all can affect your rates as well.

I hope this article explained Garage Liability Insurance and why your business needs it! Have a great day and stay safe on the road of life. You never know where it may take you, so always be prepared.

What Are the Different Types of Auto Insurance Policies?

What is an auto insurance policy and What will an car insurance policy cover? car insurance service offers protection to the driver and passengers in the event an accident occurs. But it is up to you to choose the level of protection you will get.

What questions are you to ask your auto insurance service provider when it comes to auto insurance matters?

in this article, we would discuss on what are the different types of auto insurance policies? we would provide them in details so that when you read through the end you will have knowledge on the different types of car insurance policies.

Types of auto insurance policy

Third party or Liability insurance - This is often the lowest form of auto insurance policy offered by auto insurance service providers. This is the basic insurance policy you can have, if you got involved in an accident, and after investigation it was proved to be your fault, the auto insurance service provider will pay all the damages to the other party of the accident. The cover you can get from auto insurance service provider is usually set beforehand. There is a basic set maximum amount they will pay you in case you got involved in an accident.

For instance, the agent can agree on a $10000 coverage per individual for bodily injury and or $40000 coverage in bodily injury and choose $10000 in property damage sustained in the accident. You need to confirm from your auto insurance service provider what they will cover and what the limits are. Some insurance companies might offer you a very low premium only for you to realize that your cover is minimal and unrealistic. Collision and comprehensive insurance coverage -

In a simpler term, comprehensive insurance coverage offers you protection in case you got involved in an accident and are proven to be responsible for the collision the insurance provider will pay for the repair of the vehicle.

But it doesn't appear simple as you may think, the car insurance service provider will almost always have the final say on the amount to be paid out, so if it is cheaper for them to give you the market value for the car, then they will most definitely do it.

You may have the belief that your car is worth $10000.00 but the real market value of the car may be $5000.00. This is a common scenario. So if it happens that the real value of the repair of your car is more than $5000.00 then the insurance service provider will simply pay the real value of the car.

you have to make sure your auto insurance service provider is not in full control of the real market value of the car, normally an organization like the AA will always provide an impartial market value.

concerning third party insurance policy, the insurance service provider will almost attempt to limit the amount they will pay out to you, but in general terms, comprehensive insurance policy will always have a higher limit.

Recreation Vehicle -

A recreation vehicle often requires its own insurance, a Recreation vehicle insurance is quite different from the basic auto insurance. You should not assume that because your car has a comprehensive insurance, so is your recreation vehicle as well.

Other Types of auto insurance

Medical, Personal Injury protection and no fault cover - This insurance will cover the medical expense for you and your passengers in case you got involved in a collision.

The insurance service provider under the no fault cover insurance policy will pay you regardless of who is at fault in the accident. This provides you the peace of mind for your family and friends.

Personal Injury protection is often a minimum requirement that is practiced in some states or countries, you can ask your insurance service provider what are the requirements in your state. Underinsured /Uninsured motorists' insurance coverage - This policy offers protection to the policyholders if the person at fault is underinsured or not insured at all. It is advisable to ask your insurance service provider what will be your charges in case you got involved in such a situation. Normally the insurance provider should not charge you some extra premiums.

Rental reimbursement, towing and labor - This extra coverage often given with a comprehensive insurance are considered as specials by auto insurance companies.

So in case your car got damaged the insurance service provider will pay you for rental cost for only couple of day. They can also offer to pay for the towing of your vehicle but not always included in the policy. You can also inquire from your insurance company what is included in the cover.

The legal requirements.

Most countries and sometimes states will require a certain level of cover ranging from full comprehensive auto insurance to a third party auto insurance.

However, in most cases, it is normally up to you as the driver to ensure that your insurance service provider offers you the minimum required you deserve. In most cases they are not under any obligation to instruct you of the requirements.

Your Auto Insurance And Your Teenager

The data about teenage drivers are not very good. The Insurance Institute for Highway Safety (IIHS) state that people whose age is 16 are involved in traffic accidents nearly six times more often than drivers whose ages are between the ages of 30 and 59. This is the reason that car insurance premiums are much higher for this age group.

The good news is that some auto insurance companies do not take the same negative view of young drivers as stated by the IIHS. Some of these auto insurance companies offer discounts that to assist in helping you cut costs. A point to remember: high risk = higher insurance premiums. Use this measuring principle as you look around for insurance.

Here are some recommendations to assist you in keeping your insurance premiums lower and hopefully your teenager's driver's license free from violations:

· Assist your teenager in learning the traffic laws and how to correctly follow them. The first and easiest way to keep your insurance premiums at their lowest is for your teen to keep his/her driving record clear from traffic violations. You as their parent should know and understand what the traffic laws for your state are and help your kids to follow them.

· Be a good example. Ask yourself these questions: Do you speed or drive in a reckless manner? Do you find yourself yelling at other motorists while you are driving? If your answer is yes to these questions it will be difficult to expect any different from your teens. Make it habit while behind the wheel to demonstrate how to drive with patience and how to observe and follow the traffic laws of your state. A point to remember: your actions speak louder than your words.

Add your teen driver on your policy. Instead of having a single policy on your teen driver, add them to your policy as an additional driver. This will pass on any discount that is currently on your policy to them. Register them in a driver education course. There are discounts available for teen drivers who take certain driving classes. Before you do this call your insurance company to find the best courses to enroll in, this will save you from paying big bucks for a course that may not be acceptable. Boycott the sports. Sometimes parents may try to live vicariously through their teenager by buying them the hot/fast sports car that they couldn't get in when they were the same age. Focus on getting your teen driver a clean, reliable and safe vehicle in doing so you will get lower premiums. This tactic will also diminish the temptation for your teen to drive fast. Get them to pitch in. Explain to your teen driver that auto insurance costs money and how it is in the family's budget. Provide them the opportunity to assist in chores to help cut the costs associated with their car insurance. If nothing else this tactic may allow them to feel you are treating them like an adult. Communicate the dangers of drinking and driving. This in itself is a tough topic to discuss especially to a teenager who already feels like they have everything figured out and under control. Just take some time and explain to them how this issue is of great importance to their and others safety. Use traffic school to if needed. If your teen driver does get a ticket on his/her license, encourage them to attend traffic school to keep the violation and points against their license removed. Take a ride with them. Your teenager may have been a safe driver last year when they obtained their license however don't assume that bad driving habits have not slipped in since then. So jump in the care with them and take a ride to the store, the movies, etc. This will give you a great opportunity to observe their driving habits in a non-confrontational way. If you see them breaking some good driving habits then point it out in a diplomatic way. More importantly praise them for the good driving even more.

If you can implement some of these ideas, you will find it easier to make it through the teenager driving years safely. This will also keep your auto insurance premiums from being a 800 pound gorilla in the room.