Author: syauthor

Surety Insurance May Give You Peace of Mind

In a world where unforeseen consequences can lead to costly damages and potential lawsuits, managing your risks is an absolute must. When looking for ways to mitigate risk in an investment, such as a car, house, or expensive work of art, people often turn to major insurance companies. In theory, paying a little each month can protect you from sudden financial disaster in the future. While these companies have good intentions, the reality is often much less idyllic. Companies often try to deny claims or take forever to process payments, leaving you stuck with a mountain of debt while you try to keep your investments afloat.

Contract Work

Particularly in contract work, standard liability coverage often leaves much to be desired. When allowing a contractor to work in your home, install an air conditioner, or run new power lines, you are taking a huge leap of faith that the company will behave ethically and do their work up to code. While most reputable companies carry liability, there is simply no way to guarantee that their coverage will provide you with the compensation you need when their mistakes cost you thousands of dollars in damages. To mitigate this risk, surety insurance has become a preferred means of protecting your investment. This type of protection, often called surety bonds, offers a unique method of controlling the way funds are distributed in the event of a disaster. Rather than spreading settlement payout across a myriad of clients, surety insurance is a three-way agreement between a customer, a contractor, and their bondsman. With stricter guidelines and a clear understanding of responsibility, these bonds allow payment to be treated like a bank loan rather than a sudden cash windfall. By cutting out the major corporations, homeowners are able to hold contractors accountable and seek damages as soon as they know shoddy work has been performed rather than after catastrophe has struck.

Public Works

Surety insurance is also beneficial in the case of public works. When building a park, statue, or other municipal attraction, city and town governments rely on one major overseer to manage a large number of subcontractors. Often this primary job lead is the only point of contact for the various electricians, sculptors, and carpenters working on the job site every day. While this manager hires out the work and can make agreements for compensation on his own, he will not be the one receiving complaints should any subcontractors not receive their due. Dissatisfied workers will climb as far up the food chain as they can and head right for the biggest wallet. Liability protection held by a contractor won’t save the city in this instance; only a qualified bond will do the trick. The township can activate their agreement and settle payment directly with the workers without any scandal or lawyers whatsoever.

Whether you are building an addition to your home or rebuilding the town square, make the right decision and cover yourself with surety insurance.

Ask Yourself: Are You Relevant?

I have been thinking about this for quite a while. Have you ever asked yourself the question: Am I relevant?

What does it mean to be relevant? When I ask myself this question I think of the people I look to when I have a question. If I reach out for an answer from someone; I must believe in one way or another they have relevance to the answer I want or need.

If I have a problem with my car, in most cases, I typically will not go to my banker for an answer. I don’t go to my banker because I do not feel this individual is relevant to my question. On the other hand, I would not go to my doctor if I wanted an answer regarding a Certificate of Deposit or CD (not to be confused with a music CD). And I would not go to my auto mechanic if I had a back problem.

When we have questions we look to those who can possibly help.

Taking the scenarios above one step further; I might go to my mechanic when I have a back problem if I’m looking for a referral and I know my mechanic recently experienced back problems and the doctor had remedied the situation. My mechanic just became relevant because of recent experience and knowledge of someone who might be able to help me.

The same goes for the other scenarios above; there may be relevance but a different kind of relevance; they may not have the answer, but may have the ability to lead you to the answer.

Now we go back to the initial question. Are you relevant? Do people look to you for answers to their questions? Do they look to you when they need a referral? Do friends, family, co-workers, customers, supervisors, etc. turn to you when they are looking for answers?

For example if you work on a manufacturing line, do people come to you with questions regarding the operation of the line; if so, at least this individual believes you to be relevant. In this manufacturing role; do supervisors or managers ever come to you with questions regarding the line or seeking advice on the operations of the line; if so, you are relevant to even more people and to people who may be higher than you in the organization.

Maybe the questions presented to you are not directly related to your job or maybe they are completely unrelated; meaning you are considered a relevant or reliable source about something other than your day-to-day work. You may have relevance because of a hobby, a sport’s interest, family experience, visiting a certain city or area of the country; whatever it is something where people look to you for answers; makes you relevant.

Why is this important; you may be trying to advance your career and being recognized as relevant can go a long way toward reaching your career objective or current goal? You may be starting a business and relevance to your customers is critical to the success of your business.

The information you possess may make you relevant to other individuals or groups that are attempting to solve a problem and you are able to expedite the process because of your knowledge. These individuals may be prospective customers, suppliers, business partners, or may simply be someone who works – as Malcolm Gladwell identifies in his book, “The Tipping Point” – as a connector; one who brings others together.

Possessing knowledge or additional information makes you special and makes you someone people want to know better, you have become a person of interest.

No Credit Auto Loan Offers Multiple Benefits to Young Car Buyers

The Birth of No Credit Auto Loan

Traditionally, young car buyers were considered extremely risky because they had no credit history. Lenders had no information to calculate the credit repaying ability of young buyers and so, they rejected their loan applications.

But, things changed with increasing competition. Lenders and online auto financing companies understood that they were losing a large segment of the market by avoiding people with no credit history. So, they introduced a special program called no credit auto loan.

Benefits of No Credit Auto Loan

If you are a young car buyer with no credit history and looking for a loan, you will have to apply for a no credit auto loan. The loan program is specially designed for car buyers without any substantial credit history. Following are the benefits of applying for the loan program:

You can buy a Car easily

Automobiles have become extremely expensive. A brand new automobile costs more than $30,000. Even a used car is available for more than $15,000. The higher price of cars has made loans indispensable.

Sadly, people with no credit history were not able to buy a car before the introduction of no credit auto loan. Today, the loan program is a boon for young car buyers because it provides them with a golden opportunity for buying the car of their dreams.

No more relying on Public Transport or Parents

No credit auto loan helps you buy the car of your choice. It means you don’t have to spend time in waiting for crowded and unreliable public transport. Moreover, you won’t have to convince your parents to let you drive their car. Total freedom, isn’t it?

You can get Lower Interest Rates

Most young car buyers without any established credit history shy away from no credit auto loan. They believe that the loan program is expensive and out of their reach. But, the reality is different. You can get low-interest rates by making down payment and bringing a co-signer. Down payment reduces the loan amount and manifests your stable financial condition. And, a co-signer ensures the lender of regular payments. Both these things reduce the lender’s risk and will definitely help you in reducing interest rates.

You can build your Credit Score quickly

To get a loan, you need a good credit history. But to build a good credit history, you need a loan.

It is common for lenders to check your credit score before approving your loan application. Previously, young car buyers faced the problem of loan rejection because of their inadequate credit history. But, no credit auto loan has solved this problem. Anyone with no credit history can get an auto loan at affordable rates and build their credit score.

It is a Better Option compared to Leasing

Leasing allows you to rent a car for a specific period of time. At the end of the lease contract, you have two options. You can return the car to the dealer or buy it from him. It means even after paying regularly for several months, you will have no right of ownership.

Such a problem will not occur if you obtain no credit auto loan. Every payment that you make will help you in becoming the owner of your car.

How to Get Started?

Now that you have understood the benefits of no credit auto loan, you must start the process of obtaining the loan program. The loan process is quite easy and can be completed online. You can take help of an online auto financing company and submit your loan application via internet.

All the Best! Hope you find the perfect no credit auto loan program for your perfect car!

Buy Personalized Mugs – Things to Remember

Buying gifts is never an easy task. Any festival, holiday or occasion just puts an added pressure on us. It is frustrating to research and dig for a gift that the other person is more than okay with. You can’t really leave getting gifts to luck and wait and see if your loved ones like them when they are unwrapped. Mostly, you do not want to disappoint them because they mean something to you.

Keep in mind that shopping is fun and there are gifts that can warm the hearts of anyone with just a touch of personalization. If you are not a planner, you will most probably succumb to frustration that one undergoes when it comes to last-minute gif shopping.

Personalization of mugs

When you are puzzled for a gift idea or have hit a wall thinking of ideas of gifts, you can always go for a personalized mug. It is something all of us every day, it can be custom-made and it can be useful. Coffee cups are most considered impersonal. It’s usually a gift considered appropriate for a colleague, boss, teacher or an acquaintance.

But that’s old story. These days there are a multitude of ideas to personalize mugs and make it special for your loved ones. Mugs can be personalized irrespective of the gender or age. Mugs can be made as appealing to your friends as to your family. If you are creative and have an idea about their likes and dislikes, making the mug unique is an easy task. Here are a few ideas how you can convert coffee mugs into amazing personalized gifts that would be cherished by your loved ones.

Photo mugs

One of the easiest ways to make your mug personalized is adding a photo to it. Mugs can be personalized by simply adding images on them. Photos can be printed on the mugs easily. All you need is a digital copy of the image. An image or a collage of images that will bring back fond memories can be added to the mugs. Another great thing about these mugs is that they will remind the person for whom the gift is intended about you every time they use the mug, which can be every day.

Quote mugs

Sometimes, when you are not very sure what gift you should buy; mugs can seem like a great idea. They can be great gift for employees, colleagues or clients. They can be personalized with your company logo, tag line or quotes praising people.

Sharpie mugs

While sharpie mugs are a very successful DIY project you will see around the internet, it doesn’t mean they do not make excellent gift. These mugs carry messages and can be ordered online or be your own DIY project. The best thing about these mugs is that they can carry your unique message and will always stand out from other gifts. Also, these mugs are affordable.

Other personalization

The person whom you are going to gift the mug will have hobbies, interests or passion. Why not choose a mug or personalize a mug that talks about their work, quirks or something unique about them. Are they Harry potter or Spiderman fan? A mug with a quote or picture can be a great option. For photography fans, there are lens shaped mugs. The possibility is endless. With a little creativity a research, mugs make an awesome and unique gift.

Understanding Minor Fractures

A fracture is essentially a broken bone. Sometimes, when external force is applied to a bone, the bone is unable to withstand the force and it breaks or cracks. This break or crack is called a fracture. When the bone breaks completely it is referred to as a major fracture. A crack in the bone is called a minor or stress fracture.

Common Causes Of Minor Fractures

Minor fractures are typically caused by high impact sports and sports that require repetitive movements. High impact sports such as basketball, soccer and long distance running commonly result in cracks in the legs or feet. Sports such as rowing, cricket and bowling, all of which call for repetitive movements, tend to cause minor fractures in the arms, shoulders and other parts of the body.

Problems can also arise when individuals abruptly start out a new exercise or increase the intensity of their workout without warming up or conditioning their muscles. This increases the amount of pressure that is exerted on the bones causing them to crack.

Anatomical abnormalities, faulty equipment when working out and osteoporosis are other common causative factors.

Symptoms & Diagnosis of Minor Fractures

If you have a dull, persistent pain with a swelling around the site of the injury, chances are it is more likely to be a crack in the bone or a minor fracture. In case of a major injury, the pain is more likely to be sharp and excruciating. In either case, it is important to visit a doctor so that you can get an accurate diagnosis and appropriate treatment that will help ease the symptoms and heal the injury. If you suspect that your bone may be cracked or broken, never try and diagnose or treat it yourself as this could make matters worse.

Your doctor will conduct a thorough physical examination to diagnose the presence of a crack in the bone. Depending on the site of the injury and the severity of your symptoms, the doctor may ask you to get an X-Ray or to do an MRI for a more accurate diagnosis.

Treatment

If a minor fracture is confirmed, the first things your doctor will ask you to do is to apply ice onto the affected area several times over the next 24 to 48 hours and to minimize all activity involving that area. It is important to let the bone rest as much as possible so that it can heal itself. When the swelling and pain has subsided and you are ready to return to activity again, it is important that you do this slowly and carefully so you don’t risk injuring yourself again.