Posts Tagged ‘Yourself’
Don’t Be a Victim- Protect Yourself with Quality iPhone Insurance
January 27th, 2012
www.securranty.com Owners of an iPhone simply can’t imagine a world without it. If you’re like most iPhone owners, then you probably understand just how important this tool has become in your daily life. But just like with every other possession- your iPhone could be damaged beyond repair, lost, or stolen. It would be a real shame to be the victim of such a horrible event- but you can protect yourself from expensive repairs or replacement costs with quality iPhone insurance. iPhone insurance makes a great deal of sense- just ask anyone who has foregone purchasing an iPhone warranty and ended up damaging their new phone or having it stolen. Repair costs for a damaged iPhone can be extremely costly, and you already understand the cost for a brand new iPhone. The logical step would be to protect yourself from possible repair costs or iPhone replacement costs with a high quality warranty. But not just any warranty will do- some warranties are better and cheaper than others. This is clearly evident when you stack up the iPhone warranties offered at Securranty against warranties offered at big box retailers such as Best Buy. What makes the iPhone insurance found at Securranty better than those warranties available elsewhere? Well, for one thing- our warranties are significantly less expensive. In fact, it may be the case that you could save up to 70 percent on your iPhone warranty by choosing Securranty instead of another warranty provider. The price is right at Securranty, but …
Video Rating: 0 / 5
Related Posts:
Tags: 
Hitting the ski slopes? You may need to equip yourself with season-pass insurance
January 19th, 2012
Brittany Hutson
You’ve been preparing for months to hit the slopes. You’ve got your season pass in hand, and you’ve bought new skis and new skiwear. But then you break your collarbone. You’ll be out of commission — and off the slopes — for a few months.
While you’ll have to skip snow skiing for the season, all hope may not be lost. Many ski resorts now offer season-pass insurance. This insurance protects season-pass holders in case of an unexpected illness, injury or tragedy. Some resorts have done away with issuing season-pass refunds in favor of season-pass insurance.
 |
| Season-pass insurance could give you a financial lift if you find yourself unable to go skiing. |
This insurance is sold by ski resorts for a percentage (usually about 6 percent) of the total ski-pass price. It’s also available directly from travel insurance company Travel Guard; the cost is $ 20 for adults and $ 10 for children. The insurance is valid for one year or one annual ski season, and provides reimbursement for ski passes up to $ 600 for when a trip is canceled or interrupted.
Among the circumstances when season-pass insurance would kick in are:
• An injury or illness that prevents the insured person from skiing.
• A family member of the insured skier gets injured, becomes sick or dies.
• The main residence of the insured skier becomes uninhabitable because of a natural disaster, vandalism or burglary.
• The insured skier is required to serve on a jury.
• The insured skier loses his job or has to relocate for his job.
• The insured skier must report for military service.
• The insured skier becomes pregnant.
Aspen Skiing Co. operates four ski areas in Colorado — Snowmass, Aspen Mountain, Aspen Highlands and Buttermilk. It’s been offering season-pass insurance since 2003. During the 2010-11 season, nearly 18 percent of season-pass holders bought insurance, says Jeff Hanle, a spokesman for Aspen Skiing. If an Aspen Skiing season-pass holder doesn’t buy the insurance, he’s not eligible for a pass refund.
Resorts that have season-pass insurance generally have strict policies on refunds or don’t provide refunds at all.
“You get many stories or reasons every year as to why each person feels they should get a refund,” Hanle says. “Insurance makes it more black and white. It takes the subjectivity out of the equation.”
If you have season-pass insurance and aren’t able to ski, most properties that offer this type of coverage will prorate the value of your pass to determine the refund amount.
“If a guest has skied a few times and is now unable to use the pass, the guest can file a claim for the unused portion of the pass,” says Janet Janssen, director of property management at Travel Guard. “Each property will determine the value of the ski days used and then determine the unused value of the pass.”
During the 2011-12 ski season, the Ski Maine Association, a trade group, is offering season-pass insurance for the first time. The Travel Guard coverage costs roughly $ 27 if you buy a $ 450 Mountain pass or $ 16 if you buy a $ 250 Sampler pass. Premiums are based on the cost of the ticket.
The Ski Maine Association sells a maximum of 250 season passes each ski season. Season-pass refunds aren’t available without insurance, says Greg Sweetser, executive director of the association.
According to the National Ski Areas Association, a trade group for ski resort owners and operators, season-pass holders accounted for 36 percent of resort visits during the 2010-11 ski season. That was up 2 percent from 2009-10.
Tamara E. Holmes
Think you can maintain your perfect driving record as long as you limit your speeding tickets to other states? Not so fast. Most states not only will share information about traffic violations with your home state, but your home state may even deliver its own punishment.
“You can run but you cannot hide,” says Kevin Lewis, director of driver programs for the American Association of Motor Vehicle Administrators.
And you probably can’t hide that out-of-state ticket from your auto insurance company, either.
 |
| Generally, you can’t hide from an out-of-state traffic ticket — especially if it’s a serious traffic violation. |
Recognizing that reckless driving can be harmful no matter where it takes place, most states have joined the Driver License Compact. Under this agreement, 45 states and the District of Columbia send information about out-of-state traffic violators to a driver’s home state. Georgia, Massachusetts, Tennessee, Michigan and Wisconsin aren’t members of the compact. However, some of those non-members often exchange information as if they were part of the compact.
Meanwhile, the Nonresident Violator Compact is designed to ensure that drivers don’t return home and leave behind unpaid traffic tickets in other states. Under this arrangement, if an out-of-town driver doesn’t comply with the punishment for a traffic ticket, his or her home state would be alerted and the home state would begin license suspension proceedings. Forty-four states and the District of Columbia are members; only Alaska, California, Montana, Oregon, Michigan and Wisconsin are not.
In the past, neighboring states often would come up with their own agreements for sharing information about out-of-state traffic citations. For example, Maryland, Virginia and the District of Columbia devised an agreement back in the 1960s, as did New York, New Jersey and other states in the region. However, widespread acceptance of the two compacts has wiped out the need for regional agreements.
Serious infractions harder to conceal
For the most part, states don’t care much about minor traffic violations, such as parking or standing infractions. So an out-of-state parking ticket or a citation issued for a broken taillight is not likely to be sent to your home state.
However, the more serious the infraction, the more likely it will follow you wherever you go. Not only must you worry about the two compacts, but the National Driver Register — a database run by the National Highway Traffic Safety Administration — keeps track of drivers who’ve had their driving privileges suspended, revoked, cancelled or denied. The database includes drivers who are guilty of serious traffic violations such as DWI.
Whenever a driver applies for a license or seeks to renew it, state motor vehicle departments check the database for infractions, which then can be attached to your driving record and can be used to deny driving privileges, according to the National Highway Traffic Safety Administration.
State rules differ
What states do with information about residents’ out-of-state traffic violations varies from place to place. Some states add only certain types of violations to a resident’s driving record. For example, a state that records only those speeding violations for driving 20 miles per hour over the limit might not flag an out-of-state citation for driving 10 mph over the limit.
States also vary in how out-of-state infractions affect a driver’s record. For example, New Jersey assesses two points on residents’ driving records for all out-of-state moving violations. On the other hand, New York does not tack points onto a driver’s record for out-of-state traffic violations unless those violations occurred in the Canadian provinces of Ontario and Quebec.
Some states may even withdraw your driving privileges for major violations in other states. For example, Wisconsin will suspend privileges for such out-of-state infractions as DWI, attempting to elude an officer and hit-and-run.
Out-of-state tickets and auto insurance
Of course, one of the biggest questions that drivers want answered is: Will an out-of-state ticket cause insurance premiums to rise? The answer depends on several factors:
• Whether your state adds that type of infraction to your driving record.
• The insurance laws in your state. For example, according to New York traffic attorneys Scott Feifer and Matthew Greenberg, citations for speeding up to 15 miles per hour over the limit shouldn’t harm your insurance rates.
• Your insurer’s practices when it comes to checking driving records. The more often your insurer checks driving records, the more likely you’ll soon face an increase. “Those serious violations could definitely have an effect on someone’s insurance rate if the insurance company pulls that driver’s record,” Lewis says.
Related Posts:
Inside insurance: Protect yourself from being uninsured in 2012
January 14th, 2012
Inside insurance: Protect yourself from being uninsured in 2012
Why do I need renters insurance when someone else owns the place? The landlord is responsible for the building but not your belongings. If a fire or tornado or hurricane destroys the rental unit, without renters' coverage you cannot be compensated for …
Read more on Savannah Morning News
Consumer Reports: Beware Of Identity-Theft-Protection Offers
But ID-theft insurance is secondary to any other coverage that might pay out first, such as homeowner's or renter's insurance, and it mostly covers low-cost incidentals related to or resulting from the crime: notary fees, credit-report costs, …
Read more on Hartford Courant
ID theft services not necessary, but be careful on the CTA
They also recommend against costly identity theft insurance, since it's secondary to what your homeowner's or renter's insurance would already cover. A new year, a new look. That's what JS of the northwest suburbs was hoping for when she saw an ad …
Read more on Chicago Sun-Times
Related Posts:
Bank On Yourself: The Life-Changing Secret to Protecting Your Financial Future
January 1st, 2012
Bank On Yourself: The Life-Changing Secret to Protecting Your Financial Future
Can you imagine what it would be like to look forward to opening your account statements because they always have good news and never any ugly surprises?
More than 100,000 Americans of all ages, incomes, and backgrounds are already using Bank On Yourself to grow a nest-egg they can predict and count on, even when stocks, real estate, and other investments tumble. You’ll meet some of them and hear their stories of how Bank On Yourself has helped them reach a wide variety of short- and longterm personal and financial goals and dreams in this book.
List Price: $ 15.95
Price: $ 5.84
Related Posts:
Relieve Yourself Of Pain And Immobility In Just 7 Weeks Or Less
December 13th, 2011
Relieve Yourself Of Pain And Immobility In Just 7 Weeks Or Less
Are You Looking For Permanent Natural Pain Relief With No Chemicals And No Side Effects? Have You Heard About Magnetic Therapy Treatments And Want To Know More? Do You Wear A Magnetic Bracelet But Still Have Some Pain?
Relieve Yourself Of Pain And Immobility In Just 7 Weeks Or Less
Related Posts:
Is your car an extension of yourself? If so, you may explode with road rage
November 15th, 2011
Nick DiUlio
We know aggressive driving kills. According to the National Highway Traffic Safety Administration, more than 29,000 American drivers die each in car accidents tied to aggressive driving.
What’s more elusive, though, are the reasons why some people drive more aggressively than others. A study by a professor at Temple University’s Fox School of Business may offer some answers.
Your car and your identity
According to the study, “Aggressive Driving: A Consumption Experience,” drivers who view their vehicles as extensions of themselves have stronger aggressive tendencies behind the wheel. Ayalla Ruvio, the study’s author and an assistant professor of marketing at Temple, says her research suggests a previously unexplored connection between the way people view their cars and their behavior on the road.
 |
| Ayalla Ruvio, assistant professor of marketing at Temple University’s Fox School of Business, studied the correlation between how we view our cars and how we behave on the road. |
“We already knew through past studies that people associate their cars with self-identity,” Ruvio says. “What I wanted to know was whether that made them behave more aggressively or lowered their aggression on the road.”
Ruvio, whose research over the years has focused on the way consumers use possessions to protect self-identity and influence behavior, describes her study as a “holistic” look at the influences of conduct behind the wheel. Dividing her research into two parts, Ruvio first studied personality, attitudes and values based on surveys of 134 men and women with an average age of 23. A second study of 298 people added factors such as attraction to risk, impulsiveness, driving as a “hedonistic activity” and perceptions about time pressure.
“What we found is that when you see your car as an extension of yourself, that perception is more likely going to make you as a driver perceive any behavior that might threaten your car as a threat to your own identity,” Ruvio says. “So let’s say I cut you off. Maybe I didn’t mean to. Maybe I didn’t even notice you. But you will perceive it as a personal attack because the car is you.”
Reflection and aggression
To explain this concept more thoroughly, Ruvio likes to use other analogies. For instance, she says, when a father looks at his child, he often sees an extension of himself. The child’s accomplishments are his father’s accomplishments. The child’s suffering is his father’s suffering.
“If you look at your car and see a reflection of your identity, that says something about you,” Ruvio says.
Another example comes from the world of professional sports. Some fans of particular teams, she says, live and die with every game. Each time the team loses, the players are hurting these fans personally. Every time they win, the fans have scored a personal achievement.
“You can take this extension of the self concept and apply it to almost every aspect of life,” Ruvio says. “It’s when that relationship gets magnified to unreasonable proportions that aggression kicks in.”
Of course, aggressive driving can lead to crashing into other cars, running red lights and other bad behavior on the road. In turn, that bad behavior can boost your auto insurance premiums. Therefore, keeping your aggression in check can save you money.
Other key findings
Additional conclusions from Ruvio’s study include:
• People who perceive their cars as reflections of their self-identity are more likely to break traffic laws.
• Aggressive driving tendencies increase the more someone places importance on his or her possessions.
• People with compulsive tendencies are more likely to drive aggressively and disregard possible consequences.
• Young people are particularly susceptible to aggressive driving. “They are just starting their lives,” Ruvio says. “They don’t have an achievement record yet. They don’t own a house. The car is their most obvious way to show off as an extension of their personality.”
 |
| A “life rage” expert says people view a car as “a fortress on wheels.” |
Burning ‘emotional fuel’
As a psychology professor at the University of Hawaii, Leon “Dr. Driving” James has studied the causes of aggressive behavior behind the wheel for more than 20 years. He knows that drivers often have complex perceptions of their cars, observing everything from people who name their vehicles to people who talk or even pray to their cars.
However, James thinks these perceptions have little influence over the way people drive, which makes him a bit skeptical about whether Ruvio’s research has any practical implications on the road.
“The way people drive has to do with their general mental and emotional state,” James says. “It’s the burning of this emotional fuel that determines the way someone drives, and I don’t know that this study will have much of an impact on that.”
‘Fortress on wheels’
Timothy Dimoff, a former police detective who’s an expert on “life rage,” says Ruvio’s study confirms only some of the psychological factors of road rage that he’s been studying for years.
“I always thought people looked at their car as an extension of themselves, but I also think they look at it as a fortress on wheels,” Dimoff says. “It’s movable, it’s enclosed, and I think a lot of people who would normally not say or do something confrontational to a person standing near them will do it with their car.”
It’s basic human nature, Dimoff says, to identify with your possessions — your house, your clothes, your cellphone. The car, however, is perhaps the most significant identifier, he says.
Solutions to aggressive driving?
Like James, road rage expert and clinical psychologist Arnold Nerenberg questions the value of Ruvio’s study.
“Coming up with this psychological dimension is intellectually fascinating, but it doesn’t help anybody in a pragmatic sense,” Nerenberg says. “I already have the cure.”
Nerenberg, who has given numerous seminars on road rage for companies like UPS and Qualcomm, says the most effective way to lessen aggressive tendencies starts with simple questions he asks his audiences: Do you want to turn the power over to other people on the road? Do you want to give them the power to make you into a “raving lunatic”? If the answer is no (as it most often is), then Nerenberg gives people the following mantra: “I refuse to let you control my anger.”
Dimoff has a similar approach. First and foremost, he says, a driver can’t get caught up in the perception that other drivers on the road are personally threatening his or her identity and safety.
“Once you get caught up in that, it quickly goes from aggressive driving to competing with negative encounters on the road,” Dimoff says. “Then you get sucked in and things get out of hand.”
Changing perceptions
Ruvio says her study certainly isn’t going to eliminate aggressive driving. (“If you’re just an aggressive person, I can’t really help you,” she says.) However, she hopes it will raise awareness of the negative effect that possessions — and the perception of those possessions — can have on everyone’s safety.
“When we are younger, we are told over and over about the need to share, to be tolerant, to be accepting,” Ruvio says. “So if we use that technique in more mature people and send home the message over and over again that the car is not who you are, that it’s a vehicle, a machine, we can start to change this trend.”
Related Posts:
Mind over matter: Are you thinking yourself into getting a ticket?
October 18th, 2011
Gina Roberts-Grey
Do you often suspect a traffic cop will be around every bend, waiting to clock your speed and issue you a ticket? Studies show that the type of car you drive can mess with your head, making you feel as if you have a bull’s-eye on your car.
“If you pay a lot of attention to your car, chances are you think others will too — especially if what you pay for the car stirs up any emotions,” says Sylvia Gearing, a clinical and media psychologist in Dallas.
According to a LeaseTrader.com survey, a car’s price and status affect how drivers feel about their chances of getting stopped for a traffic violation. However, what drivers think will happen isn’t always what plays out on the road.
 |
| Drivers of economy cars may think they can fly under the radar. In reality, however, their unassuming cars are some of the most ticketed on the road. |
Quality Planning, a company that validates policyholder information for auto insurers, conducted a study in 2009 of the most-ticketed vehicles on the road. Violations included acts like speeding, running red lights and illegal lane changes.
Here’s a look at some of the study’s results and how those results measure up to drivers’ expectations.
Economy class
This class was the big “winner,” with four models — the most of any class — in the Top 10 most-ticketed vehicles. Ironically, economy car drivers think they’re the least likely to be pulled over or handed a ticket. Just 28.2 percent of them think that they’ll get pulled over for going 10 mph above the speed limit, according to LeaseTrader.
The biggest offenders, according to Quality Planning:
Scion tC
Scion XB Station
Scion XA
Toyota Matrix
The reasoning: Gearing says affordability gives economy class drivers a false sense of security.
“These drivers often have the sense that since they exercised financial responsibility buying a car with a smaller carbon footprint, or one that’s easy on their wallets, they’re going to be judged as responsible overall,” she says.
Moreover, Gearing says, economy car drivers might think their traffic violations will go unnoticed — like their cars.
“Economy cars also enjoy a certain anonymity,” Gearing says. “They blend into the sea of cars around them, so drivers get the sense that they’re less likely to draw the attention or concern of traffic cops.”
Luxury class
Coming in second place, luxury cars had three models in the Top 10. Unlike economy car drivers, luxury car drivers expect their rides to be ticket magnets, even though they’re not as ticketed as some of the economy models. For example, 63.2 percent of luxury car drivers feel they will get a ticket for driving 10 mph over the speed limit, according to LeaseTrader.
The biggest offenders:
Mercedes Benz CLK63
Mercedes Benz CLS63
Audi A4
The reasoning: People with expensive cars might think they’re more likely to be noticed because their vehicles are the object of envy and excess attention, says Judy Belmont, a psychotherapist and co-author of “The Swiss Cheese Theory of Life.”
“These drivers may expect police officers to have a ‘life is not fair; get used to it’ mentality, so they’re less likely to let the driver go with a warning,” she says.
Adds Gearing: “Drivers of luxury cars experience guilt for driving something flashy or lavish, especially if the car is a gas-guzzler, so they automatically assume others — like cops — will think them guilty of doing something wrong.”
Mid-size class
Drivers of mid-size cars represent the middle ground — they attract a fair amount of tickets, and they fall in between economy and luxury car drivers as far as expectations go. According to LeaseTrader, 45 percent of drivers with mid-size cars expect to be ticketed for driving 10 mph over the limit.
The biggest offenders:
Toyota Solara
Subaru Outback Wagon
The reasoning: Mid-size cars might have a case of the classic “middle child” blues, Gearing says.
“You’re torn between wanting to be bigger and more luxurious, and wanting to be economical and responsible,” she says. “So you flip-flop on thinking you’re safe versus thinking you’re a moving ticket target.”
SUVs and trucks
This class does include the most-ticketed vehicles on the road among all classes — the Hummer H2 and H3, which attract more than four-and-a-half times the average number of tickets, according to Quality Planning. But in general, the SUV/truck class manages to be the most successful in staying off police radars.
Despite their cars’ size, many SUV and truck drivers expect to fly under the radar for some infractions — but not all. They are the most likely out of all groups to think they’ll get busted for parking illegally, according to LeaseTrader.
The biggest offender:
Hummer H2/H3
The reasoning: It turns out size does matter. The bigger the vehicle, the bigger the target it becomes in the eyes of the driver, Belmont says.
“Driving an extended cab pickup truck, versus a small economy car, creates the illusion that the truck will be easier for a cop to spot,” she says.
Taming ‘ticketphobia’
No matter the scenario, the obvious way to avoid a traffic ticket — and auto insurance premium rate hikes — is to drive safely.
“That will give you peace of mind on the road too,” Belmont says.
Related Posts:
Why do republican supporters keep sayin, “its not government’s job to fix your life. you fix yourself”?
April 12th, 2011
Question by joe: Why do republican supporters keep sayin, “its not government’s job to fix your life. you fix yourself”?
Whenever any problem of poor or struggling man is raised, the typical response of republican backer, “its your problem. you fix it yourself. its not government’s job to fix your life” If someone has grivenance about what he sees as corporate abuse, repubs say, “its not government’s job to tell businesses how to operate”, if a person cannot get health insurance because of pre-existing conditions they say, “take responsibility. go get job with health insurance instead of relying on government to help you get health insurance”, if someone complains that he can’t find job after finishing college, they say, “you’re too good for mcdonalds?” and so on and so on. Well my response to all this is, “its not my job to vote republican either”. And in fact why should i vote republicans when they take no interest in problems facing the poor and struggling? Government IS supposed to serve the citizens and do whatever it can to help make life better for citizens. This is basic function of government. Since republican supporters say government is not for helping people, why the heck should GOP ever be voted in power? What do they want to be in power for — to start wars like iraq?
independent angered at conservative attitude
i am white male in virginia who is unemployed, buried in debt and unable to get health care. i see republicans as blockers of Obama efforts to help the poor
conservatives often insult the concerns of people like me by saying, “no handout for you”. Well expect no repub vote from me either. It was people like me who made virginia blue in 2008 election
And conservatives say they want to take back the white house? How can they think of taking back white house without showing any concern for the most vulnerable members of society like me?
my condition is so bad i don’t even have money to file chapter 7 bankruptcy. lawyer asked $ 1800 to file chapter 7 bankruptcy protection for me. That price tag in itself is a killer for me.
this also reflects that republicans are all for rich and don’t care for anyone else. Because only the rich and wealthy require nothing from government
jeffry: past 2 years were horrible. things just kept getting worse and worse.
Best answer:
Answer by 2Blunt4U
It’s one of their daily parroted (R)ants. They often knock welfare and claim that only the “dems” and “blacks” are on it, but in reality, many of them are on it too. They’re hypocrites plain and simple. EVERY GOP President has raised taxes and made the deficit higher. Bush helped the rich by lowering their taxes, but he KILLED the little working man (poor and middle class) by JACKING his taxes up although he couldn’t afford to pay higher taxes!
Add your own answer in the comments!
Related Posts:
Brace yourself – here we go again
December 16th, 2010
Brace yourself – here we go again
A SERIES of potentially ferocious storm cells are lining up to thrash southeast Queensland again this afternoon.
Read more on The Courier Mail
Dissidents not giving up fight with Economical
A group of dissident mutual policyholders is forging ahead with its campaign to replace the board of directors at the Economical Mutual Insurance Co. despite the company’s announcement this week that it plans to demutualize.
Read more on Kitchener – Waterloo Record
Firefighters get green light on red lights
Emergency vehicles on P.E.I. no longer have to wait for red lights to turn green before proceeding.
Read more on CBC Prince Edward Island
Related Posts:
10 Ways You Can Save Money on Your Auto Insurance — And Provide Better Protection for Yourself and the People You Love!
December 15th, 2010
10 Ways You Can Save Money on Your Auto Insurance — And Provide Better Protection for Yourself and the People You Love!
Here’s the information you really want to know!
Special Report for Automobile Owners Insurance Insider Reveals Little-Known Secrets:
10 Ways You Can Save Money on Your Auto Insurance — And Provide Better Protection for Yourself and the People You Love!
List Price: $ 3.99
Price:
