Archive for May, 2012
When purchasing toys for children, there are 2 types of shoppers. First there’s the shopper who never buys insurance for their items because they’re trying to save money and believe that getting insurance is just wasteful. Then there’s the shopper who makes sure they cover everything they buy due to fear of having to buy it again. Both the types of shoppers can justify the choice they make. There are pros and cons for insuring your child’s toys and electronics and the finally decision is ultimately yours.
When a shopper chooses not to insure a toy, they’re saving money at the current moment, but they are taking a risk. Their child could easily break the toy during play. Also, the toy could have possibly been damaged before purchasing. If your child is absolutely in love with this toy and wants a new copy of it, insurance could have saved you some money. However, it’s also possible that your child never breaks the toy or doesn’t want another copy of it. If that is the case, then it appears the shopper has made a wise decision.
When a shopper chooses to insure a toy, they’re spending more money to avoid the risks of re-purchasing. However, insurance prices are all over the place. Coverage on toys usually depends on the initial price of the uninsured toy. If you are buying an item such as a game console, insurance will be very expensive. However, that coverage could save you the risk of having to purchase that item again. It’s possible that the toy will never be damaged, but shoppers who take this route usually find satisfaction in the fact that it’s covered.
So what’s a better option? It depends on a number of factors. How expensive is the toy? Getting insurance for a scooter that you got on sale for $20 is simply not justified. Adding coverage for a new 3-D DS game is worth every penny because replacing it will be rather costly. You should also go by your child’s behavior – is he or she careful with the toys or tend to break them on the first day? Do they play with the toy a lot or lose interest within the first week? Will it break their heart if the toy breaks or they will move to the next thing on the shelf and forget about the damage? Then you also want to evaluate how breakable the new purchase is: for example a school backpack is not that easy to tear apart (no matter how hard the child tries), so why bother with insurance for it then?
So even though both the options have their pros and cons, make sure to factor in the mentioned above aspects to make the right decision.
Relocating for the benefits of a new career opportunity can be a very exciting and rewarding experience. It can also be a very trying, tiring and expensive one, which makes it necessary for people to carefully consider the many variables that exist. Transporting yourself and your belongings to a new geographic location entails far more than simply taking on a new address. Moving for business can open the door to significant income increases, employment opportunities and a whole new lifestyle and attitude. Following are several important factors to note, however, when attempting to determine if relocating for business is right for you.
Understanding Potential Profitability
There are limitless variables that can impact the financial benefits and ultimate value of business travel. Relocating for business is not always the most ideal option, even when the move will result in a substantially increased salary and benefits package. These things must be considered in conjunction with the local resources that will be at your disposal, the average costs of living and the availability, affordability and accessibility of medical and dental health providers. While your willingness to relocate for your career will certainly increase the volume of viable employment opportunities, it is not always guaranteed to be profitable in terms of securing an increased quality of living. The dynamics of your new location will play a major role in determining this. Thus, a considerable amount of research and planning must be performed, in order to ensure that relocation is necessary for getting the right career benefits. It may be that wages are simply higher where you are right now and that both the costs of living and the accessibility of everything that you want and need are more optimal at your present location.
Compensation For Necessary Lifestyle Changes
Your new salary will need to be at least reflective of any increases in the local costs of living, but should also compensate you for any dramatic and essential changes in lifestyle. For instance, if moving for business requires you to relocate to a remote and sparsely populated location, you may want to be compensated for the very dramatic lifestyle changes that will be necessary. A lower cost of living and communities and social scenes that fit your interests, however, may adequately offset any earnings losses that some moves might entail. Thus, it is always best to review all angles of the equation thoroughly, before making a permanent decision on a potential business move. In some instances, a move to a remote location is a welcomed change, allowing for residence in an area with a much lower crime rate, better school systems and a more united community.
Relocating Your Family
Another major variable in the relocation equation is your family and the manner in which your move will impact those you love. Even when business travel is the ideal career move, it is hardly likely to be a palatable option for all family members, especially during the initial stages of the relocation. From a very practical standpoint, the new job location will need to have adequate educational accommodations for your children in the form of quality public or private schools as well as affordable and accessible extra-curricular and recreational resources.
Most people will also want to find sufficient diversity within the population, which can make the transition much easier for children within certain demographics. It helps kids to see others who look like them and who share similar cultural values, especially when these values or physical attributes are not the norm. Just like adults, kids want to live in an environment where they can become an accepted part of comfortable social circles. Few people enjoy moving to a location in which they stick out like a sore thumb. Kids are very good at adapting, however, and even in instances in which they are the minority, many young individuals are adept in carving out social niches for themselves. It is additionally important to note that frequent moves can prevent very young children from establishing a sense of security and stability. Thus, moving continuously to obtain career promotion can in some instances, be more detrimental than beneficial when young children are involved.
Similar considerations must be made for spouses as well. Married couples will need to consider the impact that business travel will have on their spouses, their spouses’ careers and social lives and life habits. These considerations help to determine whether a profitable move is worth the many necessary sacrifices that both the prospective job holder and his or her family members will need to make in order for the move to go over seamlessly.
Choosing the right car insurance company is sometimes more difficult than choosing the right car. Just like you might visit five or six new car dealerships before finding the vehicle that is just right, you need to shop around for the best car insurance. While you can buy coverage from any auto insurance company, by taking your time and comparing different insurers, you will be able to find the best possible deal.
When shopping for car insurance, price is always an important consideration. In order to be able to compare prices when you get quotes from several different auto insurance companies, you must understand the coverage you are attempting to buy. The easiest way to do that is to compare quotes based on the exact same level of coverage. If you get 5 quotes they should be for the same amount of bodily injury and property damage liability coverage. You should have the same amount of comprehensive and collision coverage-including the deductible. Be as detailed as possible, all the way down to the amount of money the insurer will reimburse you for renting a car while your car is being repaired after a covered accident.
One of the reasons that a car insurance company may have a different rate for the exact same level of coverage is because of the way they evaluate risk. Some insurers automatically charge higher premiums for drivers who have had an accident while others have a more forgiving policy. There also may be differences based on the importance the insurance underwriters place on the age of the driver, where the car is garaged or any other number of factors.
Perhaps the easiest and smartest way to choose the right car insurance company is to have someone else help you make the choice. By going to an independent insurance agent who deals with a number of different insurance companies, they can usually find you the lowest rate and the best coverage for your needs. They are also there to answer any questions or clear up any confusion you may have about auto insurance.
No matter whether you choose to go to an independent agent, pick a few names out of the phone book or do an internet search, the most important thing to do is shop around. By knowing what you want, being knowledgeable about different coverage and comparing rates, you will be more likely to make the right choice for your car insurance needs.