You can purchase New York’s minimum car insurance requirements just the same as you would in any other state in America; however, New York’s minimum car insurance coverage requirements are a bit more in-depth as far as coverage goes, and pricier as far as costs go.

The minimum car insurance coverage in New York is as follows:

$10,000: Property damage liability

$50,000: Basic, no-fault coverage

Bodily injury liability: For injury, $25,000 per person and $50,000 per accident. For death, $50,000 per person, and $100,000 per accident.

Uninsured motorist’s coverage: For injury, $25,000 per person and $50,000 per accident. For death, $50,000 per person, and $100,000 per accident.

Of course, if you don’t own your car out-right, i.e., you borrowed money from a lender to help pay for it, you may have to purchase more car insurance than the minimum.

Despite the high costs of the minimum car insurance requirements, it is possible to get cheap car insurance in New York. Shop around with a few NY car insurance companies (remember, drivers in New York must purchase car insurance from a company licensed to do business in New York) and ask about what kinds of discounts they offer. Some discounts are pretty standard, such as those for good students and multi-line policies; other discounts may be unique to that particular car insurance company.

You may also make changes on your own to your car. Make sure it is up-to-date with safety features such as anti-theft alarm systems and reinforced window. Child-proof locks aren’t only safe, but impressive to car insurance companies. And instead of leaving your car in the side of the street, store it in a garage.

There are a ton of gun safe brands out on the market today and they range in quality from downright crap to incredibly safe and expensive. Today we’re talking about a gun safe brand that falls somewhere in the middle of all of that even though it leans a little bit towards the higher quality safes. The brand I’m talking about is Bighorn.

In my basement sits a Bighorn gun safe. It’s the Bighorn Model 7144 and it fulfills all of my needs. I own a few hunting rifles and a couple of hand guns and this little safe fits them all in comfortably. It has a sleek black body and proudly displays the Bighorn logo on the front. The door is four inches thick and it’s locked with a LaGard Group II Security Dual Lock. The inside of the safe is upholstered with a felt material and you can rearrange some of the pieces inside to best suit your gun collection. The safe has massive one and a half inch diameter door bolts on the side, top, and bottom of the safe. No thief is going to get through this baby.

With the Bighorn Model 7144 I don’t have to worry about theft because it is so strong in the locks and I don’t have to worry about fire damage either. It is safe for 70 minutes in a 1200 degree fire because of its powder coat finish. The safe itself ways 1050 pounds so no one is going to walk off with it.

The Bighorn gun safe is probably one of the best deals on the market right now. They usually come in at a price range of around $800 so you feel like you are getting quality and not crap. I would definitely recommend a Bighorn gun safe if you’re thinking about buying a serious safe for your gun collection.

Normally a bulging disk is considered part of the aging process. Over time the disk extends outside the space it should normally occupy. On the other hand a herniated disk results when there is a crack in the disk cartilage allowing the softer material to protrude out of the disk. A ruptured disk or a slipped disk is also know as a herniated disk. A bulging disk can become herniated.

A bulging disk may have been in existence prior to the collision; however, it may not have been painful. Now after the accident this bulging disk is generating pain and in some instances debilitating pain. The only way to provide proof to the insurance company that you were not in pain prior to the collision is to offer up past medical records. The absence of documentation, treatment and/or prescriptions to treat the pain associated with your bulging disk should be enough to prove you were not experiencing this level of pain that you are currently suffering from.

Bottom line insurance companies are making it harder for minor fender benders to recover on their medical bills. One way around this is to deny medical bills based on claims that could be classified as attributable to the aging process. In other words their claim is, it was a pre-existing injury and therefore they are not required to compensate you. This creates a huge savings to the insurance companies. Bottom line, the adjuster works for the insurance company and it is their job to try and save money for their employer.

Planning for a budget for retiring in the Philippines actually depends on you. What kind of lifestyle do you actually want?

The Philippines is made up of more than 7,000 islands, and you can expect that the country has a diverse culture and lifestyle. Do you prefer the big city living and reside in Manila, where you have instant access to large shopping malls, nightlife, commercial establishments and offices, and heavy traffic jams? Or would you rather live in a quieter and mid-sized urban city like Cebu or Davao? Do you want a more rural lifestyle, such as in Subic, Dumaguete, or Bacolod? Or would you like to live in a tropical paradise such as Boracay and Palawan, which has the best beaches in the world?

Regardless of the location that you choose, living in the Philippines will cost you about a quarter of what it would cost you for the same lifestyle in the U.S. or in Europe. A modest budget of $1,000 to $2,000 a month can already go a long way. Just find an area that fits your budget and you can retire twice as wealthy and a lot happier, enjoy a warm, tropical weather all year round, have a house helper and a driver, and live healthier with less stress. You can even travel, have your own business, and be financially free.

As in most places, the biggest expense that you will have in the Philippines is housing, and it depends on which location and type of dwelling you choose to live. You can opt for a townhouse, high rise condominium, studio apartment, or a detached house. If you choose to live in Manila, expect to pay more. Although there is a great range of housing costs in the city, in general it ranges from $500 to $1500 per month. It costs a little more than $1500 if you choose to live in upscale areas such as Makati or Ortigas area.

If you chose to live in cities located in provinces like Cebu City in the Visayas or Davao City in Mindanao, housing would cost from $300 to $900 a month. In the more rural cities like Tacloban, Dumaguete, Cagayan de Oro, or Butuan, you would pay around $200 to $700.

For the utility and other household expenses like electricity, telephone, internet, cable TV, medical and dental expenses, groceries, dining out and entertainment, and other miscellaneous expenses are pretty much the same in all the areas in the Philippines. Public transportation and taxis are readily available and inexpensive, and there is actually no need to purchase your own vehicle. But if you opt to have your own car and driver, it would cost you around $60 to $100 a month for fuel, repairs, and the driver.

The best thing about retiring in the Philippines is that you can adjust your lifestyle to your pension or budget. A lot of happy expat retirees in the country are living on an income of $800 to $1,000 per month. Because of the low cost of living, some chose to open their own business and are living opulent lives on a $2,000 to $2,500 income range.

If you are planning to retire in the Philippines, set your budget depending on the lifestyle that you want as well as your everyday needs, and do your own research to prepare you in the big move that you are about to make.

The Internet Has Your Answer

The Internet lets you easily get quotes from the best rated homeowners insurance companies. First, you’ll need to gather some basic information about your home and insurance needs, including the following:

* Square footage of your home.

* Year your home was built.

* How far away the nearest fire station and fire hydrant are.

* Construction details about the home, such as the type of foundation, walls, and roof.

* Amount of coverage you want.

* Deductibles you want.

* Safety features in the home, such as deadbolts, smoke alarms, fire extinguishers, and security systems.

Once you have this information, you can go to an insurance comparison site, fill out information about your homeowners insurance needs, and quickly receive quotes from A-rated homeowners insurance companies.

The best comparison sites even let you talk online with insurance professionals online so you can ask questions and make sure you choose the best homeowners insurance company for you. (See link below.)

Check Their Ratings

By going through an insurance comparison site to select your homeowners insurance company, you know you’re getting a company that’s been rated to be reliable and financially sound. You can set your mind even more at ease by checking the company’s ratings on other sites. Again, the Internet will help you out:

* Go to the National Association of Insurance Commissioners (NAIC) Web site (naic.org) and select your state. You’ll then go to your state’s Department of Insurance website. This website is maintained by the Insurance Commissioner and lists licensed agents, companies, and each company’s complaint ratio.

* Check ratings from companies such as J.D. Power & Associates (jdpower.com), A.M. Best (ambest.com), and Standard & Poor’s (standardandpoors.com).

To begin this venture we need to clean the metal on the car. After we clean the metal, make sure it’s dry before we begin to mask the car, also do a last minute check to be sure it’s free of all dirt grease and other contaminants.

Now it’s time to mask the car, and be sure to mask all that you don’t want painted leaving no masking hanging of the car, that would get in the way of a nice paint job. The main idea of the whole thing is to produce the best quality paint possible with the given surroundings, it is preferred that you have a paint booth, but if not, make sure that the area that you use to perform the work is ultra clean and dust free.

After the car has been masked it’s time to get ready to spray the primer, once again make sure that you have cleaned your surroundings, it’s best to have some water on the floor to keep the dust down, once you are confident that the area is clean then you can begin checking the spray guns to be sure that they are clean. This is a very important step especially if they’re not your guns, dirty guns will make an ugly paint job there for wasting all of your time.

Now that you have determined that the paint guns are clean, make sure that your respirator is in good working order. Now be sure that you have all the products that you need to perform the primer job on the car. You will need primer, reducer and catalyst, you will also need strainers, stir sticks and a measuring device.

It’s best not to have to leave the paint booth during the time that your priming the car. Reducer comes in different temperatures and you need to know what temp is best for your working conditions.

The temps are as follows, their is a high temp that is designed to dry slower when it’s hot in the area where your working, high temp is good for 80 degrees and up, theirs also a mid temp, this probably the most popular temp used this is best used from 55 to 80 degrees and is designed to dry faster to make up for the colder temp, due to the fact primer will run easier in the cold weather. Now we have low temp reducer this will dry extremely slow therefore for giving the primer a better chance to run. I tell you all this in an effort to help you better understand the products that you are working with, the more you know the better armed you are for problems when they happen.

Now it’s time to enter the paint booth, and as you do pay attention to the booth filters and be sure that they sure clean also. Now get your can of primer and read the instructions on the side, usually the mix is 4:1 or 4 parts primer to one part reducer and a cap or two of catalyst and for the best results follow these instructions. After you spray the first coat of primer, you will need to wait 15 to 20 minute before you can spray the next and so on, the way I like to do this is to give the body work areas a coat or two first to build them up. The whole reason we use primer is is to give the paint a smooth surface to stick to and give the metal some protection from the elements, it’s usually a good idea to get 4 or 5 good coats on the car.

If you are really serious about the way that you want it to look the you might want to take the primer one step farther and use an etching primer before you spray the urethane or epoxy primer, an etching primer will give the top coat just a little more to stick to. Etching primer has no building qualities there for it’s not used for smoothing out waves in your work, but it will make the primer stick allot better.

I do suggest that you always use a urethane primer,and not lacquer type,as lacquer can and will shrink urethane or epoxy is recommended for best results. Epoxy is a very hard primer to sand but it’s extremely tough, and urethane is I think probably your best choice,because it’s high building and easy sanding, their are a lot of brands to choose from, I use DuPont euro myself but it’s all up to you to choose that.

Now that your card is primed, it’s time to remove the masking, and I like to do this while it’s still a little wet for the sake of ease, just be very careful about how you do it, you don’t want to screw up all that nice work, so just take it slow and easy while pulling the masking off your car.

(Sanding)

Well now the hard part is here, before you start to sand the car you’ll want to be sure that it’s been guide coated, this will make it easier for you to get an ultra smooth finish. Heres where we weed the boys form the men, if your trying to do a show finish on the car that your painting, you will want to sand it by hand with water running on it all the time.

This is the hard part,and you will have lazy people that will want to use a machine to do this, this is just a word to the wise, you have allot better control over a hand block. The best way to produce this type of high quality work is to have the best control over it that you can, offten a machine will go through your primer. If your trying to produce show quality work this would mean priming that area again I.E. more time spent, this is time that could be spent better doing other things.

Now I will explain a bit about what a guide coat is, this is it in a nut-shell. The guide coat is the step right after the car has been primed, you should do this before you pull the masking, what this in tails is misting a light coat of black paint over the primer so that you can see the low spots in your work, and no matter how good you are, you will have low spots. The idea behind this is to sand all the guide coat off with out going through to the metal on your car.

Now it’s time to start the actual sanding of the car, you need to pay close attention to detail on this part of the paint job, the better you sand it, the better it will look. I usually start with 320 grit wet paper on a medium hard block, this grit is good for getting the guide coat smoothed out, their will most likely be some small low spots that will require either spot filler or more primer. This is one of those areas where you need to pay a little attention to detail, here you will need to look at the depth of the low spot and think about it, how low is it will primer alone fill it, or will it take spot filler and then primer.

Now that you’ve finished that part it’s time to move on to the next grit of paper, I usually move to 400 grit on a medium- hard sanding block from here, you don’t want to move up to far because it can leave scratches form the previous grit of paper, so a word to the wise, don’t get in a hurry and move up to far a once this will leave seeable scratches in your work. After you’ve sanded the whole car with the 400 grit wet paper then inspect it for bare metal and guide coat still there.

The whole idea with sanding is to make the primer look the way that you want the paint to look, I sand my primer until it has a smooth shiny finish on it, as if it were the paint on the car.

You need to have a vision of how you want it to look, the one thing that you need to know is, the better you want it to look, the more you will pay for materials. Just a word of caution cheap paint materials are just exactly that cheap!!!!! and don’t use them if you want a nice paint job.

You might save some money but you will not save the agony of a crappy looking paint job. Think about this before you go and buy cheap primers and paints, do I love my car or is it just some turd to push me to work and the old ladies and back, if you love your car then don’t put cheap crap on it.

Now that I’m through with my little lecture on low quality products, it’s time to move on to the next sanding step. From 400 grit I usually move up to 600 grit wet paper, this is where I usually stop unless requested to go one more step, this is really as far as you need to go with the sanding. After you finish with the 600 grit do one final inspection of the work before cleaning it.

Well now it’s time to clean the car, for this just use soap and water, just like washing a car normally. You should blow it dry though, this being the main difference between this and a regular wash job, be sure to blow all the water out of the little cracks in the car, like the cowl area, under the hood, between the doors and in the trunk lid. Believe me this will blow water on your paint during the actual painting of the car, so be very through about this step.

If you miss some and it happens to get in your paint during the spraying process it will bubble the paint, the paint will look horrible so be sure to get all of the water out of the car first.

Now it’s to mask for the actual paint, for this refer back to the top of this page. Masking right is an art and you better take this part very serious if you want a good job.

Now that you’ve masked your car it’s time to put it in the paint booth, hopefully this is a temperature controlled booth, in any case when you roll that car in the booth all you should have to do is clean and spray, again before you put your car in the booth make sure that it’s ultra clean in there and ready to go.

Now make sure that you have everything you need in there to paint the car I.E. paint, reducer, catalyst, stir sticks, strainers and stir sticks and a measuring stick. Once again check your respirator and be sure that it’s working properly, tie your hair back and if you have a beard cover your face.

Follow all instructions on the back of the paint can to the letter or it could cause problems with the out come of your paint.

Now that you have the car in the booth, be sure to double check the masking on it, what you are looking for here is perfection and nothing less.

This means everything that if you don’t want it painted it must be masked for sure, their is no room for error here. Now you need to take a look at the supplies that you have to do the job with, and inventory them to be sure that you have everything you need to complete the job, the last thing you need is to find that you don’t have something right in the middle of painting the car. Here’s a list of what you will need for the job.

Supply List

1) Paint

2) sealer

3) reducer

4) Catalyst

5) Tack Cloths, preferably designed for clear coat

6) Measuring Cups

7) Stir Sticks

Measuring Stick

9) Strainers

10) Respirator in working order

Now I will give you a few things to think about, if your painting with metallic paints then you must pay allot attention to the settings on your paint gun. Metallic paints will tend to get lighter if the pressure goes up and darker if it goes down, your fluid flow and fan on your gun will also effect this.

Now I will give you a basic mixing chart, most paints will follow this chart.

Instructions

1) get your paint ready to pour.

2) make sure that your mixing cup is clean.

3) Get your strainer and sticks.

4) Put a strainer in the top of the measuring cup.

5) Now pay close attention to the level of paint in the cup.

Paint Mixing Table. Always be sure to read and follow the paint manufactures mixing guide lines. These mixing ratios are just a basic idea of what to do, things will change with different manufactures.

Recommended Air Pressure At Gun Head. Paint Mix Ratios. Paint Product.
25-40 PSI Mix 4:1:1 Base Coat

25-40 PSI Mix 4:1:1 Sealer

25-40 PSI Mix 4:1:1 Clear Coat

25-40 PSI Mix 2:1:1 Primer Coat

When using a paint gun, you try to achieve a certain spray pattern without any heavy or light areas, in the pattern chart above you would try to achieve pattern (A).

Now a lesson on gun angle. Their are only two angles you should ever need to use when holding a spray gun, and they are 45 and 90 degrees angles to the surface of the car that you are spraying, these angles will give you the best outcome possible, and also you should try to keep the spray gun at about 6 to 8 inches from your work. If you get much closer you will more then likely cause a run in the paint and, much more distance and you will get a dry look to your paint job, you also need to get a feel for the speed that you need to move the gun according to the air pressure and fluid flow of the gun.
muscle car information
Local Auto Shop Search

First, there is the convenience of being able to shop 24 hours a day for any type of product imaginable. The ability to shop from home allows many people who have trouble getting to real world shops such as elderly or disabled people or others with transport or mobility issues to still purchase the products and services they need. Many people also have trouble attending shops during their opening hours, such as those that work the same hours as shop opening times, mothers with young children and no one to mind them.

There are several advantages to shopping online, the first one being the ability to shop at a time that is convenient to you, not just when the shops are open. The second advantage of shopping online is that goods are often cheaper as the seller does not have the costs of running a shop and having to pay wages to salespeople, insurance and all of the other running costs of a real world business. Online shopping can also be a lot more comfortable than real world shopping, you do not have to deal with the weather – you won’t get rained on for instance shopping online.

A huge advantage of shopping online is that you have the opportunity to compare as many products and prices as you want without having to spend the time and money to travel between several different shops. You will also be able to read reviews that have been written by other people who have purchased the item you are considering; you will be able to find out about the item from a genuine user not just the salesperson. Finally you will be able to find and buy products all over the world not just in your local area – this makes purchasing hard to find items a lot easier.

The main disadvantage of shopping online is that you have to pay shipping costs and have to wait for the items you purchased to be shipped and delivered. (This could take several weeks if you have purchased a product from overseas, and the costs of shipping may outweigh any savings you made on the purchase price.) You will not be able to purchase an item you need to use immediately online.

Another disadvantage is that you have to buy the item relying purely on a photograph and description, you cannot feel or see the item you want to buy. It can sometimes be quite hard to judge the size or quality of some items purely from a photograph. The final disadvantage of shopping online is that it is much harder and takes longer to return faulty goods; you will have to repack it and pay to ship it back to the seller. It can literally take weeks to exchange a faulty product purchased online.

In summary, the main advantages of shopping online are convenience and cost savings, while the main disadvantage is that the item is not immediately available, and you cannot inspect it personally before you make your purchase.

Company Slogans Reveal Purpose

People like to support businesses that show they have a higher purpose than just making money (even though we all know that’s what people go into business to do). They want to think the business are supporting is focused on supporting the customer, establishing justice or simply doing some good in the world. When a customer or client can believe the sentiment of a company slogan that shows the business has a purpose in mind it makes them feel good about spending their money. Purpose is a mainstay of business that deals in client or social services.

Company Slogans Retain Memory

One of the best things about slogans is their ability to embed themselves in the mind of consumers. A company slogan that is quick or catchy and even fun to repeat has the ability to move from the frontal lobe of the brain (where we keep all things for a few minutes to an hour) to longer-term memory.

Once something embeds itself in our long-term memory we can associate with the business every time we think of the topics. When Allstate Insurance began to use the company slogan “The Good Hands People” – their returning and new customer markets went up because people could remember that for long periods of time. After having an accident or purchasing a new car “The Good Hands People” was the first thing people who think of calling. A memorable slogan is like having constant contact with your consumers no matter where they are.

Company Slogans Set the Tone

Depending on your company and your target consumer, there are certain things you want people to think about your company. A company slogan helps set the tone for how people will see or understand your business.

If you are leaning toward a young and trendy group of consumers, you want them to think of your business as innovative, active and modern. A slogan like “We’re all about now” or HP’s “the Computer Is Personal Again” reflect a hip postmodern attitude that is likely to attract younger consumers. However, if you are in the business of financial planning or something that tends to target middle-aged and older consumers you want to rely on tradition and stability, which is what that group is looking for.

Company Slogans like “We make money the old fashioned way” or “The same recipe for 100 years and counting” are sentences that will drive older consumers to your doorway.

Slogans Support Company Names

Not everyone gets to name their company. Some people buy into or inherit a company with a registered trade name that it would hurt the business to change. A good slogan can add some luster to a company that is stuck with a dead end name. Let’s say you buy out “ABC Pest Control” – the name itself is not very exciting. However, with a good company slogan “Big solutions to little pests” makes the company seem fun and effectual. That’s the power of a strong slogan – the ability to support a name and giver a fuller view of the company in order to connect with the client at their level. No matter what your business name turns out to be, a spicy slogan can bring customers in and keeps the business flowing.

When you think about it, we are surrounded by slogans every day. We don’t always notice them, but they work their way into our subconscious and allow us to remember names, choose businesses based on our needs and preferences and know more about the companies we support. Company slogans are an important part of business for both the owner, and the customer. As your business gets started, take the time to get a company slogan that makes sense, adds character and shows the full potential of your business for both established and new customers to see.

Some folks have heard from their girlfriend’s brother or an estranged uncle that claims adjusting is a money tree. The money tree sits there blooming Benjamins, apparently just waiting happily to be plucked by any newcomer with the inside scoop. And as an added bonus, you really don’t have to do work. The opposite extreme is my own previous misconception of the monetary compensation for claims adjusters which is that they made next to nothing and it was essentially a dead end job. This is as far from the truth as the money tree concept but, I would hazard to guess, a much more prevalent misunderstanding.

So how much money does an insurance adjuster really make?

According to the U.S. Department of Labor, claims adjusters earned an average of $44,220 in 2004. The top ten percent earned more than $72,620. The bottom ten percent earned less than $27,220. This seems like a fairly significant disparity. What type of adjuster is at the bottom and what type at the top?

The answer to this question depends largely upon the type of claims adjuster you are referring to. In general, there are two types of adjusters: staff adjusters who are salaried employees of an insurance carrier, and independent adjusters who are independent contractors working for adjusting firms. This initial difference will make as much of a difference in pay structure as the type of claims actually handled – from worker’s compensation to multi-million dollar commercial properties.

Staff adjusters are typically going to be earning less than independent adjusters and in some cases dramatically less. $25,000-$60,000 is a reasonable salary range for a career staff claim adjuster.

An independent adjuster in a good year, however, especially if he or she works catastrophe claims, can make well in excess of $100,000.

Staff adjusters can make a good stable living. For independent adjusters, the opportunity can be a little more interesting and, I think, exciting. Independent adjusters working catastrophe claims make essentially a percentage of the amount of each claim they settle. This system of payment is known as a fee schedule and is formulated differently for each insurance carrier represented and storm situation confronted. For example, an independent adjuster handling hurricane claims may receive a fee schedule that pays $500 for claims between $3,000 to $5,000, $650 for claims between $5,000 and $7,500, and $750 for claims between $7,500 and $10,000. An adjuster will receive between 60-70% with the other 30-40% going to the adjusting firm they work for. Hurricane adjusters can easily average $10,000 settlement per claim and thus average between $400 and $500 dollars in their pocket per claim. A good adjuster should be closing 2 to 4 claims per day with superb adjuster closing 4 to 7.

Making over $1,000 a day as an independent adjuster working catastrophe claims is common and very attainable. In this way, a good independent adjuster can surpass six figures income in less than six months.

So, is this the money tree after all? Well, not so fast. Remember that catastrophes, especially catastrophes sufficient to employ significant numbers of adjusters, are relatively few and far between. During “dry” spells for independent adjusters, work can be scarce and competition fierce for the claims that do come along. That said, there is a tremendous and exciting opportunity for very real, very lucrative money when disaster does strike.

Whether its operating on staff or as independent contractor, claims adjusting offers potential for solid and, in some cases, spectacular income.

1. Home.

For most of us, this will be the most expensive purchase that we’ll make during our entire lives. As you keep making mortgage payments, you gradually accumulate equity in your home. It’s this equity that you can put up as collateral on a personal secured loan. Since home purchases are fairly common, this is one of the most popular types of collateral you can choose.

2. Vehicle.

Besides homes, this is another popular type of collateral that people put up against secured loans. Although cars tend to have much less equity than homes, people still commonly use it as a type of collateral. If you have a classic, antique, or luxury car, then you’re in luck! You’ll have much more equity in it than in most vehicles.

3. Stocks.

If you’ve invested somewhat heavily in stocks, then you can also put up some of your stocks as equity. The Internet has made this trading more popular, so more and more people now have access to the world of stock buying and selling.

4. Bonds.

A bond is basically an IOU from a company or government. As with stocks, bonds are considered to be fairly solid investments. So you shouldn’t have any problem finding lenders who accept bonds as collateral.

5. Personal property.

Land is one of the best investments you can make. Besides your home, if you own property then you can also put that up as collateral.

When taking out a personal secured loan, consider putting up these types of collateral against it. This allows you to reinvest your investments!