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Movie star James Dean died exactly sixty years ago, thus becoming an immortal inspiration for young people distraught with society. Unbelievably, his legacy can be recognized more frequently not so much in his fellow actors, but in recording artists. Morrissey, who with Johnny Marr ascended to fame as co-founder of the Smiths, became one of […]

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Renting a Car From a Reputable Company Comes With Many Benefits

A car hire agency is a company that temporarily rents vehicles to customers per a contractual agreement. In many cases, rental companies are organised through an array of branch offices making it possible for the consumer to return the car at the location of their choice. A lot of the time, companies can be found near airports, in busy urban areas, or can be found via the internet.

Most of the time, care hire companies serve people who are looking for a temporary mode of transportation when they are on holiday, a business trip, or other reason. For some, utilising public transportation simply isn’t an option due to schedule and cost. It is often more economic to rent a car than it is to keep paying bus fares.

For example, if you are flying into another city or even country, you probably will not have your personal vehicle with you. This is where renting an automobile becomes necessary. Most agencies will have a variety of styles to choose from ranging from small to large, prestigious, and specialty vehicles. If you are traveling with a group, vans can be rented to accommodate the needs of your party.

Extra products are usually offered by care hire agencies such as insurance plans, GPS units, entertainment systems, and in some cases, mobile phones. Check with the agency you are considering rental from to see if they include any of these amenities in their rental packages.

Insurance is a necessary component when renting an automobile. There are numerous types of insurance plans offered that have been designed to support you and the agency should the vehicle become stolen or damaged. Think about utilising rental insurance, as the fee for this option is far less than paying for a car that has been in an accident. Most companies insist you get insurance.

There are conditions to renting a vehicle depending on the country you are visiting. Some companies have their own protocols that they choose to follow. For instance, it is probably in your agreement when the car needs to be returned. Failing to return the vehicle at that agreed upon time might result in a penalty fee.

Another condition that many rental agencies impose is mileage restrictions. You might not be able to drive over a certain distance, and if you do, you could be charged. Age restrictions are also something that companies might have in their protocol. These are all aspects to discuss with the rental company before you commit.

If you should have a young driver (in some cases, anyone under 25) you might have to pay extra. In all cases, a valid driver’s license must be presented in order to rent a car. Some countries also require an International Driving Permit (IDP).

It might sound like there are a lot of restrictions and fees to utilising a care hire company but there are agencies that offer great deals via all-inclusive packages. What this means is, everything from insurance to unlimited mileage is included in a flat rate fee.

When considering renting a car, know that most agencies require you to place a credit card within their database. The card will not be charged unless there are damages to the rental or you leave it dirty when bringing it back. Some companies charge when the car is returned without any petrol. To ensure that you do not have to deal with this, always return your rental in the condition in which you took it.

It is always wise to look over the vehicle before driving off the lot to ensure there are no pre-existing damages. If you notice any, bring these findings to the company staff immediately so that they might be accounted for. This will protect you from being charged for the damages in case the company hadn’t noticed them from the previous driver.

Sirius XM Radio Subscription

Overall Ranking: 98/100

Price: 9.99-18.99 per month plus equipment

Owners: Sirius XM Holdings Inc.

Website: Yes


A Sirius XM radio subscription is programming that is broadcast via satellite rather than regular AM or FM signals. The signal can be received from most anywhere, including home, car, and now via internet.

The programming is largely commercial free, save for the occasional internal plug for other programming or an upcoming event.

In light of this subscribers pay a fee for the service.

There are as many as 175 channels ranging from all sorts of music genres, sports, and talk.



· Reception most anywhere

· Can listen to the same station coast to coast

· Commercial free programming

· Wide variety of programming

· Reasonably priced

· Excellent customer support

Not Good

· Temporary interruptions of service

· Poor reception in tunnels and over-passes


Anyone who enjoys radio that offers a vast selection of programming. There is something for everyone.

It’s for anyone who does not like commercials.

It’s for anyone who wants control of what they hear when they want to hear it.


Training is self-explanatory. To borrow an outdated camera term, it’s similar to point and shoot.

The tools needed are: a subscription, their proprietary equipment, which can be self-installed or professionally installed.

There are home installations and mobile installations.

The same radio can be used in the home as well as the car, by removing it from docking station and plugging it in to the other.


There is telephone support, email support, and live chat via internet support.

The support staff is very helpful and will go to most any length to satisfy a listener’s concern or correct a particular problem.

If additional help is needed over and above what can be provided by regular support staff, there is an escalation department that will step in to make sure things are handled properly and to help you get started again.


Subscriptions range from 9.99 per month for the 80 channel (mostly music) package, to 14.99 for the 165 channel package (select), to 18.99 for the 175 channel package (all access).

Discounts are available for semi-annual and annual subscriptions as well.

Some new cars come with Sirius/XM installed. In that case, a subscription is all that’s needed.

Otherwise, you will need to buy their equipment, which can range from $50 to around $150 depending on the equipment purchased.

They sometimes offer re-conditioned equipment at a discount.

Sirius XM Radio Online is also available.

For those who have the equipment, it’s $4 extra for the online subscription.

For those without the equipment, who only want to listen online, it’s 14.99 per month.


It is a wonderful product. Music lovers can enjoy stations devoted to 40’s on channel 4, 50’s on 5, 60’s on 6, 70’s on 7, 80’s on 8, and 90’s on 9 to name a few. Classic rock lovers can listen to Deep Tracks on 27, featuring all the great music that didn’t make the top 40, and can enjoy some of the most informed and passionate DJs ever: Earle Bailey, Meg Griffin, Michael Tearson, Dan Neer, Jim Ladd, and a special show “Buried Treasure”, hosted by Tom Petty.

If you listen to the radio and want what you want when you want it, it’s worth the few cents per day it costs for the subscription plus equipment.

It’s possible to go on a road trip and listen to your favorite show every day you’re on the road from anywhere in the United States and Canada.

I highly recommend this product.

Goodbye Friends, Family, Prada Bag! Starting Over As an Artist

Three years ago I fled an enviable career in the USA as a dealer in the high-powered international art world. Some called it a midlife crisis, but I prefer to think of it as a midlife correction. I simply couldn’t bear the idea of one more gallery opening, museum gala, or cocktail party. I wanted something different; to kick off my Jimmy Choos, run away and find something more authentic. And so I did.

I am not the first person to re-create her life. Indeed, as the world suffers from financial meltdowns, women everywhere are being forced to redefine themselves. Change can be frightening, especially if it’s not of one’s own making. But change can also bring opportunity, with the deepest rewards found in the effort.

On the surface, I had the perfect life; a gorgeous bungalow in sunny Arizona, frequent first-class travel, a stellar career in the glamorous art world. Parties peppered my diary, while shopping filled my weekends and my closets.

This life came about by accident. I had studied photography at university. But somehow my sideline selling art to pay my way through college developed into my profession. Two decades later, as I approached my forties, I was at the peak of my career, yet inside I was unfulfilled as I yearned to express my own creative urgings.

It began as I sat at my desk trying to shake what I thought were the Monday-morning blues. A colleague joked, ‘It’s days like these that make me want to move to France.’

Something in my heart sighed, ‘Yes.’

‘But that’s ridiculous,’ I thought as I turned to a glossy arts magazine and began thumbing through it. Ten years earlier I had spent some time at a small arts school for American students in a remote Provencal village. The idea of returning to this idyllic hamlet suddenly seized me. Perhaps I might rediscover the sense of inspiration that I’d experienced there years before? Was that the last time I’d felt inspired, I wondered?

As I continued to flip through the magazine dreamily, I remembered an American artist I’d met who lived there. What was his name? As I turned the page, my heart stopped. I have no memory for names whatsoever but I always remember pictures. There, in front of me, was an article about his work, the very artist I had just been thinking of who lived in Provence. I put down the magazine. I had made my decision.

The idea of leaving my life behind wasn’t rational but I believed I had received a sign. For that brief instant, I had hope that my life might be different, might be a better reflection of what I felt inside. I gripped my decision with single-minded determination. ‘This is your chance,’ something invisible whispered to me.

I couldn’t afford to live in France. I’d have to get a car, a place to stay, and I had my share of credit-card debt. But one look around my house and I realised I might be able to bankroll this madcap idea. You see, I was the sort of girl who liked to buy things. Shopgirls lit up when I entered their doors. Now all of this stuff I had accumulated was going to find a new home in order to fund mine.

Like most, I tended to identify myself by my possessions. As I began selling my precious belongings, the contemporary art collection, the classic-film library, the stainless-steel pots and pans, the doubts crept in. By the time my antique furniture was going under the hammer I had become an insomniac, pacing the floors each night racked with fear.

My family and friends were supportive though they thought I was mad. After I left my job, new and exciting offers began trickling in. I was tempted and my resolve wavered, but I grimly persevered. Whatever had gripped me about moving to France stubbornly refused to let go.

It was a week before D-Day when I broke. I’d been feeling wobbly, but had spent the previous few months so totally focused on shedding the last remains of my American life there wasn’t time for emotion. Suddenly, the tears were falling furiously for having been denied. I wailed – for my family and friends, my house, my books, my beautiful things, my Prada bag for god’s sake. And for what? The unknown. I was terrified that nothing would ever fill the void of what was gone. I would spend the rest of my life empty. But something kept pushing me forward, a belief in something more, more to life than pretty clothes and parties. More to me.

What would I do in France? I had no plan. I didn’t even speak the language. I had spent so much of my life exhaling – working, spending, striving and trying to please that I needed to inhale, to be inspired.

When I finally arrived in France with my whole life funnelled into two, well okay three, suitcases, I was exhausted. I moved into a remote 400-year old farmhouse. It was nearing wintertime though autumn’s vivid reds and golds still painted the wild landscape. The only sound came from the wind, which was relentless and bitterly cold.

I learned to haul wood and build a fire. My thoughts were my only company as they kept repeating, ‘What the hell have you done?’ I moved between exhilaration and terror, faith and doubt, white wine and rosé.

I spent the first ten days clinging to the fireplace for warmth and the bottle for comfort, using my tear-soaked tissues as kindling. With no television to distract, I could stay by the fire all winter or I could create each day. The freedom was paralysing. But slowly, fear released her clutch and I began to paint a new picture of my life.

I ventured into the wild French landscape and was surrounded by beauty. I began taking long country walks. Me, the girl who considered a long walk to be from one end of the shopping-mall to the other. Now I tramped for miles each day. I got lost but realised that I could always find my way. I learned to trust my instincts.

I got strong. I began looking at the steep hills as challenges instead of inconveniences. I would attack them with a deep breath, concentrating on putting one foot in front of the other until I conquered them.

I got tough. At the bottom of the mountain was a natural spring. Twice each week I would make my way down with empty water containers, fill them and lug them home. It was backbreaking, and I could have driven the car, but I felt capable.

I got dirty. No make-up, broken nails, hair tied back; denim became my new uniform. It was liberating and even though I could have used a hot bath, I felt beautiful.

I got quiet. For someone who made a living talking to people, it was strange to find myself with no one to talk to. I missed the musical ring of my mobile phone. The silence was deafening at first but gradually gave way to peace.

I started carrying my camera and began to take pictures, tentatively at first but soon everything seemed to catch my eye. In time, I became drawn to children’s swings. They were beautiful weathered objects that swung alone, forgotten, in the wind. Perhaps I identified with them?

I only had a bit of money left after selling my things and paying off debts. I was now on a tight budget so shopping was out of the question. I came to understand the difference between ‘want’ and ‘need’, and the freedom that comes from having less. Now, I spent hours admiring the stars in the night-time sky. I was satisfied with this simple life, and realised it was the emptiness inside me that had always wanted more.

Time, that had always run ahead of me, slowed to a carefree saunter. With nowhere to be, I found my own pace. They say that our fears are future-based, and to overcome them we must hold onto the present moment. The moments were dazzling as I constantly pinched myself, ‘I’m here! I did it!’

And magic became part of my life, revealing that I wasn’t really alone. During one walk, miles from anywhere, a huge thunderstorm opened the skies. I saw a path and ducked into the forest only to find a chair sitting under the trees as if it was waiting to offer me shelter.

Yes, I was lonely. But loneliness is only a stop on the way when you follow your path. I’d put too much responsibility on things and people to occupy me. I slowly came to realise that I am the only company I need.

I would spend six months alone in France before I met an Englishman, fell in love, and moved to London. It was sad to leave but I found I could now trust myself and could look toward the next chapter with confident anticipation. My life has changed immeasurably since I jumped off the cliff and found that I could fly. I believe I found the life I was looking for. I’m now an artist myself, I write, and I help other artists to attain their dreams. And I have never looked back.

My Version Of Band-Aid Economics

I am not an economist but more of analytical thinker when it comes to our economy. For many years now we hear the spin doctors and politicians boasting about how our economy is growing, which is correct if that is all one considers. The question is why would this be happening when unemployment is high, a huge deficit, and those working are drowning in debt? The answer for me is what I call Band-Aid economics, here is how it works.

Instead of focusing on the real problem which is inflation, we emphasise how our country’s economy is on an upward swing. Our bank of Canada describes economic growth like this online, “The most common way to measure the economy is real gross domestic product, or real GDP. GDP is the total value of everything – goods and services – produced in our economy. The word “real” means that the total has been adjusted to remove the effects of inflation.” The idea from what I see is that if you paid last week $2.00 for lettuce, the next week it is $2.50, the following one $3.00, it makes the economy look good because as they have said inflation has been removed. The current politicians pitch is vote for me, since elected our economy has grown. Now let’s examine the next factor in Band-Aid economics…

Let’s face it most lower-income and working poor cannot afford higher ticket items upfront like $30,000 for a car. How about for almost nothing down with good credit, anyone could be behind the wheel of a new vehicle right! It helps our countries economic growth, even if the same type of car 20 years ago was less, but now jazzed-up with more technology, and of course insurance rates on a new cars is higher too. Decades ago people saved up, bought their cars for cash, and it was more of a positive economy. The financial killer for people is inflation, if everything costs too much constantly going up, but wages stay the same, deductions at source are unreasonable, consumer taxation is 13 cents/dollar spent, then not many people can save enough in their lifetime to buy a high ticket item like a car. However the GDP is the total value of everything. You buy a car on credit it goes into goods and services produced in our economy.

The reality is if a person is not earning enough they will always be ten cents or more short on the dollar. Families supplement their below standard income through credit cards, lines of credit, and over drafts. The reason is simple inflation doesn’t match incomes. The great news for our government is even if they need to purchase food on credit it boosts the economy. The next time you hear our economy is doing well, maybe look at your own financial affairs, in product costs, and then decide for yourself if our countries economy is really in good place. Welcome to my version of Band-Aid economics 101, where a good economy doesn’t mean citizens are living better, and over many years now even below par levels.

A New Technology That Will Change Everything

Every few years someone claims that the world will be changed by a new technology. Sometimes they are right, and other times they’re wrong. This has lead many of us to believe that we have all placed too much faith in the technological revolution. Despite all our criticism, concerns and fears about anything new that involves a microchip, no one can deny that the world has changed for the better or worse thanks to high tech gadgetry and there is no end in sight. In most cases there is not an instant effect caused by new inventions. It takes time for people, industry and governments to adjust. During those periods of adjustment the technology has time to become refined and less expensive. Workers who lose their jobs to new technologies end up having to look for other types of employment. This is a cycle that people have experienced since the dawn of the industrial revolution, and now it is about to happen all over again in a huge way.

When cell phones came along most people thought of them as a new toy for the wealthy. Today, most people have one and for many the phone in their pocket is the only one they have. The instant upside is that we can easily stay in touch with our family, friends, employers or business contacts. More than just personal communication devices, smart phones now allow us to take care of many tasks that once required a PC to handle. The downside is that we can no longer hide from the world unless we simply do not answer our calls. Add to that the fact that we can easily become addicted to social media, texting, games and all kinds of online activities.

When the “mobile phone” revolution first started to explode a lot of investors and venture capitalists thought they would make a fortune investing in various schemes to buy or sell phones or air time. Most of those investments fell flat and ended up being loss leaders. That is why it is important to see what is coming, know when to make a purchase; or invest and how. Otherwise is it all too easy to become a victim of new technology. If you dout this just visit any garage sale or junk shop where you will find all sorts of technology that was supposed to go on for years and expand into more advanced versions. Good examples: Atari Game Systems, The Adam Computer, Game Boy, 8mm amd VHS Camcorders, Betamax and VHS Video Recorders/Players, Laser Disc Players, Cassette, 8 Track and Reel to Reel Tapes and Machines, Telex Machines, PDAs, Portable Televisions, LED Watches and Typewriters.

When personal computers first appeared they were expensive toys designed for geeks who loved electronics. Even after companies like Apple designed machines that would be attractive to everyone, they often became obsolete by the time they hit store shelves. People made and lost fortunes over these. That is because those early computers represented the type of advanced technology that kept advancing so rapidly that it left very little time for consumers to catch up. A lot of people jumped in to the early versions of these machines for fear that they might be left behind. I remember buying a bunch of different and unique computer systems with all their bells and whistles during the 1980s. None of them lasted or really did all that I wanted them to do. The upside for me was that I had to write my own programs for most of them to do what I wanted them to do, so I learned a lot about how these machines and their programs worked.

I recall when the “World Wide Web” was suddenly transitioned from a secretive way for the U.S. Military and Government to communicate and exchange data to a place where everyone was welcomed. A lot of people ignored or downplayed it at that time. However, before long all those popular electronic Bulletin Boards accessible by computer modems began to quickly relocate from phone numbers to web addresses. When the early Windows operating systems began to appear their emphasis was on PC applications. By the time that Windows 95 was released, even the venerable Bill Gates admitted that he had vastly underestimated how popular and important the Internet would become. A lot of other investors and companies saw the potential and rushed to get in on the excitement by creating Internet Service Providers with electronic mail. Since that time many of them have vanished or become a part of conglomerates. Understanding or seeing the potential of new technology is never enough. You have to know how to avoid the hype, survive the changes and possibly even make some money along the way.

In 2001 the Segway PT was unveiled. This two-wheeled people transport device was supposed to be the next big thing. Even Steve Jobs said that this invention would be “as big a deal as the PC.” However, unlike cell phones, personal computers or the Internet, the Segway had a limited market. Children, senior citizens and many disabled persons can use cell phones, personal computers and the Internet. Most them could not or would not use the Segway. These personal transportation oddities fit the needs of various industries and businesses much like the robots and programmable machines that have taken over many manufacturing and other jobs, but like those devices the Segway has many limitations in terms of users, terrain and applications which have kept it from being the huge success that many once thought it would be. Wide appeal, application and usage are the key components to any truly successful new technology and one is about to begin a slow burn that will lead to an explosive change in society and the world of finance.

Some time ago Google demonstrated their self-drive car to a public underwhelmed by what they saw. The problem was that it was kind of ugly with that weird rotating thing on top and most people had no faith that fully automated vehicles could ever take over the roadways of the world. What people did not know then and many still have no clue about today is that many tech and car companies are currently betting the farm on the fact that self-drive vehicles will take over the road within the next ten to twenty years. We already have vehicles that can park themselves and now come with a wide variety of safety or anti-collision devices on board. Some vehicles now have the ability to make automated decisions about braking, parking and other maneuvers. Is it that hard to believe that there will be much more to come?

This new technology will not appear overnight, but it will benefit everyone instead of just being attractive to a niche market. It is going to be refined and slowly introduced to people a little at a time. When all the research and trials come to fruition, fully automated cars will begin to make a huge impact everywhere. Insurance companies that depend mostly on auto policies will begin to disappear. Auto body shops will be as rare as photo developing stands. The numbers of people who die or are severely injured in auto accidents will likely drop to an almost insignificant amount. Personal injury lawyers will have to look for new clients. Police Officers will have to find new and creative ways to write tickets. The price of gas will fall dramatically due to the efficiency of self-driving vehicles: Most automated cars will probably be powered by hybrid or alternative energy sources.

Prices on some consumer goods will drop as automated trucks hit the road and are able to pick up and deliver more frequently. Even with human monitors on board, those people will no longer need to wear themselves out by constantly handling the operation of such huge and cumbersome vehicles. That means they may be able to remain on board for longer periods of time. Lowering the cost of delivery to market will allow many new products to be introduced that might have been unavailable due to those cost factors. The expense and complexity of managing huge traffic systems will be lessened and the experience of having to travel at a snail’s pace to and from work during the rush hour will be all but eliminated. The money saved by the implementation of self-drive vehicles could be used to repair and replace the many roads, bridges and tunnels that have become dangerous to use or are simply obsolete.

Governments see the potential of automated vehicles. We know this because many are slowly, but surely, adapting or enacting laws to accommodate this new technology. Self-drive vehicles are already legal for the purposes of research and development as far as the federal government is concerned. Several U.S. States have also made them legal to operate, with many others having already proposed pending legislation. Many state legislators have quietly been told to expect some fully automated vehicles by 2018-2020 at the latest. What concerns government officials and the developers of this new technology are the hackers. They can already use the existing technology in many new vehicles to take them over and bypass drivers. That is a real concern that must be dealt with from a legal and technological standpoint. That need for failsafe automated vehicles are one of the things slowing their development and appearance in new car dealer show rooms.

Things are moving fast when it comes to fully automated vehicles, but that does not mean that small investors or venture capitalists should invest in them right now. The truth is that no one really knows what twists and turns this new technology will take. Besides, I am certain that there will be all sorts of brand new after market and technological accommodation opportunities to make lots of money for small investors when the time is right. Just imagine all the new gadgets and systems that will appear as needed when this new technology becomes prevalent. Until then it is would be a wise new car buyer or high tech investor that keeps his or her eyes on self-drive vehicles and the markets they will shortly begin to create.

Bloopers That May Prove Too Costly to Commit for Vehicle Lessees

The automobile sector is suffused with contractual hiring functions that have subverted the practice of buying into borrowing. Rightly for a price, vehicle leasing is the year-long break from the constant throbbing and thrumming in the head, first from the expense, and second from the sales speech of the purchase assistant. Survey materials suggest that leasing of cars for personal use and vans for office use is a frugal investment in comparison to the compelling budget of buying. Case studies however have divulged some key slips commonly made by lessees that have unnecessarily added to the required investment.

The Grand Scheme

The dealers prepare the payment scheme based on their profiteering convenience. And most people welcomingly walk into that trap chasing the decoy. Though this might sound like an odd advice, but do not shell out too much on the upfront. You are not buying a car on a finance plan, and so you can go stingy here. People are quick to mistakes here because they think that negotiating on the upfront deposit is not accepted. Truth is, the initial down payment is only a fraction of the rental installments. A too heavy sign up payout is stifled with risk, for cases of stolen and totaled vehicles.

Mileage is the Bar

When signing up a deal, you need to consider the mileage barrier as it is one of the cost-multiplication factors. The mileage capped by most dealers range between 12000 and 15000 miles. Exceeding that means you are basically in a cab calculating the cost per mile travelled. The rate is usually 25% of every mile travelled. So the more miles you cross, the cost gets added up more.

Magnifying the Fine Prints

Once one qualifies for leasing, they care little to take the tiring ride through the fine prints of terms and conditions. As much as compliance to the protocols is necessary, you need to understand the terms you are agreeing to. You do not want some added incidentals without knowing you agreed to pay for it.

GAP to Salvage

People often miss looking into the insurance papers of the vehicles obtained. Has it occurred to you what would be asked of you in case the asset is stolen or totaled in an accident? Yes, they will have you pay the current value of the vehicle. Only GAP insured vehicles are protected from such obligations as the insurer pays up the deficit in that case.

Knowing When To Call: Should You Contact an Auto Accident Attorney?

Car crashes are the leading cause of injury in the United States. More than 2.5 million Americans require medical attention due to auto accidents each year. Of that number, about ten percent, or 250,000 people, are hospitalized. On average, hospitalization costs amount to nearly $60,000 over a lifetime for these patients. In addition to the more than $18 billion in total medical costs related to car crashes, these accidents also result in an estimated $33 billion in lost work hours.

Legal Action

As devastating as those losses may be for the nation, they can be almost insurmountable for the average accident victim. The inability to work while hospital bills mount can put nearly anyone in debt in a matter of months. Even if the crash was not your fault, you may find yourself at the mercy of powerful auto insurance providers who want to pay you as little as humanly possible to cover your injuries. The best way to recoup those expenses is often to hire a reputable auto accident attorney.

When To Call

If you have been hurt in a car crash that was not your fault, you should contact an attorney as soon as possible. Whether the collision caused broken bones, a head injury, or internal damage, it is important to explore your legal options as soon as possible. Failure to do so in a timely matter could make it harder for you to recover the money you are owed. The reason for this is simple: the other side is probably already exploring their legal options. In most cases, that other side will be the insurance provider for the at-fault driver. Because their goal is always to pay as little as possible on claims, they won’t make it easy for you to recover the money you rightly deserve.

The Benefits

Like most potential lawsuits, the overwhelming majority of car crash injury claims are settled before they go to court. While it is possible for victims to negotiate a settlement with the other driver’s insurance provider, it rarely works out well. Why? Because attorneys who work for insurers are some of the best negotiators in the legal field. Only a reputable auto accident attorney has the knowledge and experience to confront them directly. He or she can often use the threat of a lawsuit to force a favorable settlement.

A good attorney may even be able to arrange compensation for general damages such as pain and suffering and mental anguish. Many people with claims simply accept the first settlement offer they receive because they don’t have the confidence or experience needed to haggle with a seasoned attorney. That is why reputable lawyers consistently receive much higher settlements than ordinary citizens who foolishly try to deal with insurance providers on their own. An experienced auto accident attorney can help you get the money you deserve for your injuries.

Schooling Versus Leadership

Perhaps the terms, such as school and leadership were derived from the word education. Classically speaking, many things are implied in education. It covers a wide range of notions and meanings. In this short article, however, it will mean one thing to explore the negative relationship between schooling and leadership.

Why we have education, school and leadership simultaneously? What is the need of the three terms at the same time in an academic or a business institution? There seems to be some confusion, duplication or ambiguity. I argue that education in its purest form would have been enough to address philosophical issues especially in the academic sphere.

Education as a Latin word means to bring out something new. It may sometimes mean creativity, invention or other possibilities to exercise and cultivate the human mind so as to realize the mystery of life in every human being. If education is then about opening human eyes, what should be the purpose of schools and the essence of leadership? A million dollar question, right?

Here is a story that may help to clarify the context. A provident Chinese woman set aside some money long ago for her child to attend a prestigious university somewhere in the west. She would always think that the best school is expensive as well as life changing. As you may know, Chinese people are good at collecting money despite hurdles. When the time happened, the mother successfully managed to pay everything for the child. Her child attended the best university in America for four years and came back home with the best qualification ever. After a while, the mother realized that her son somehow changed in a western style or way of life. He could not secure a good job in china. He could not pass a single interview. So his mother had to help him again and live with her for some more years. He wished that he had not been schooled in the west. He thought, “The money could have been enough to buy a house, a car and open a new business, had it not been paid for my tuition.”

The story is very interesting. We may use it to explain the situation of leadership. Howsoever one may be a provident leader, if schools are not set right with the purpose of education, there is always a corollary failure. Schools may shape a good character, but cannot produce a kinetic personality. When I graduated, for instance, I came upon a number of things which took me many years to adapt and figure out. Schools stuff us with bundle of information and facts, and thus the brain runs out of enough space to create and see future possibilities. As of this, it can be inferred that schools are failing leadership as well as the main purpose of education.

Normally education should be the basic tenet of schools and leadership. We give education because we believe that mankind has something in him that needs a cause to manifest. In contrast, we open schools to shape a desirable or docile behavior which is only relevant to a certain political ideology. If this is then the whole function of schools, what is the need of leadership? Another a million dollar question, right?

Leadership gives schools a strong weight through power, authority or formality regardless their indoctrinating purposes. Leadership has been manipulated to serve schools for a wrong reason. Leadership may serve better when it is orchestrated with the purpose of education. Without the basic tenets of education, it is not economical to combine leadership with schools. That is why philosopher leaders are important in the modern times to demarcate the nuance between school, leadership and education. Without philosopher leaders, we will end up in the jungle of ideologies and wrong purposes.

5 Weird Things Covered By Comprehensive Car Insurance

Comprehensive car insurance pays to repair or replace your vehicle if it is stolen, vandalized or damaged in some way other than in a collision. “Damaged in some other way other than in a collision” can include a variety of things. Here are 5 weird things that are usually covered by comprehensive car insurance.

1. Fire

Have you ever driven by a car on the freeway that is engulfed in flames on the side of the road? You probably knew fire would be covered if it happened due to an accident, but what if the fire started due to a mechanical failure? Whether that car caught on fire because it crashed or because the engine decided to catch everything on fire, comprehensive car insurance will probably cover it.

2. Missile Strike

If you are driving along and a random missile strikes your vehicle, you probably wouldn’t be too worried about car insurance because you probably wouldn’t survive. If a missile strikes your vehicle while it is parked, on the other hand, you’ll be happy to know that your car insurance would cover the damages if you have comprehensive coverage.

3. Bear attack

There might not be many bears in your area, but you may be within a few hour car ride away. If a bear decided he didn’t like the way you looked at him, a bear could do some serious damage to your car. Thankfully, comprehensive car insurance would probably have you covered.

4. Riot

Riots have actually happened recently in a few states, so this is a needed coverage. Civil unrest can be detrimental to businesses and, in many cases, random vehicles. Again, your comprehensive coverage would have you covered.

5. Legal Representation

If you are at-fault in an accident and there are injuries, you could be sued. Many believe that means they will be forced to procure the services of a lawyer. You obviously can do so, but legal help may be provided by your auto policy.

Comprehensive coverage is optional

Liability coverage is usually the only type of car insurance that is mandatory. Comprehensive coverage, on the other hand, is optional in most states. Although some of these weird coverages above seem pretty unlikely to occur, other things such as cracked windshields, floods, falling objects, and wind can also be covered. Check your policy and with your agent to find out what comprehensive coverage can do for you!