Why the Dependent Company’s Cheap Insurance May Not Be Cheaper

You know about the auto insurance companies that boast about their low premiums on national television, radio and social media. They really want you to internalize their messages.

The truth of the matter, though, is that there may be a misconception about what they mean.

“Replace your current coverage with ours,” they proclaim, “and you’ll find savings on your auto insurance!” Or “Allow us ten minutes and we will present you with a cheaper rate than others.”

The real facts indicate that most vehicle drivers will not get any savings with a policy switch to a direct insurance company. This is because no dependent company has the wherewithal to offer any other coverage than their own. The shimmer of a cheap quote can actually be the mask covering an increased insurance deductible and less liability coverage.

In order to underscore this important lesson, we bring you this actual narrative involving someone who decided to go with an independent agency’s ability to locate tailored car insurance for him.

A motorist who had previously been insured through one of these highly advertised dependent companies that promote ‘cheaper rates’ decided to go with an independent agency known for their impeccable customer service.

Following a review of this man’s ‘cheap’ auto policy, the insurance specialist discovered some serious gaps in coverage. Understanding this could cause serious problems if the insured should ever be involved in a car accident, she went to work, looking through the many policies offered through her company’s network of providers. She pinpointed an excellent plan that covered the gaps and had an attached competitive low rate.

The customer was satisfied with the find and left with a fresh peace of mind due to his newly acquired policy.

As fate would have it, it was not long afterwards that this insured was involved in a car crash that left his vehicle in a totaled condition. Because the other driver was at fault in this collision, it was assumed that the other driver’s insurance company would pay for the damages.

But there was one major snag to this. The other insurance company offered to pay an amount that was far below the totaled car’s worth.

It was then that the new policyholder whose car had been totaled decided to call his new company. The insurance company gave him no hassle, no problems. Instead, they mailed him a check made out to the amount that genuinely represented the worth of his car, three thousand dollars above what the at fault driver’s insurance company offered!

Guaranteed: the happy ending to this true-to-life story would have been very different if that ‘cheap premium’ policy with gaps in coverage would have been in place.

Work-Life Balance

Juggling the tasks and demands of day to day life gets hard. Whether you work for a company that demands more than you can give or your wife is mad you keep talking about work at dinner, this post is for you.

Achieving work-life balance is something I struggled with for years. I became a master at it my senior year of college. For me, my main issue with time management. I struggled with saying ‘no’ to people. Whether someone asked me to cover their shift at work, or someone in a group project slacking and asking for help, I was always there to take over. This became a huge problem in my life. I realized that I had no time for myself anymore and could not recharge. Work and school and lacrosse were the only things on my mind ever. I became very overwhelmed and started putting only sub-par effort into my life activities, school, and work.

I knew I needed to change the way my life was going. The first step I took was learning how to properly communicate. I started saying ‘no’ to little requests first, then I moved on to larger requests. When you practice saying ‘no’ it becomes more fluid and comfortable. Find out what is important and what is not. Organize your time in a list or on a calendar and don’t take on more than you can handle. By keeping a planner you can list out what you need to do, by week and by day.

The next step I took was limiting my technology use. Technology and social media consume our lives and when you take a step back and appreciate what is in front of you, it really opens your eyes. Practice keeping your phone put away when you are at dinner or out to eat with friends. Engage in deep conversation and really pay attention. Your friends and family will appreciate this, and you will too.

Weight Loss – What Is Wrong With Being a Little Hungry?

Here is a question for you. What is the problem with being a little hungry? Does it hurt you to wait a bit longer until your next meal? And when you do eat, why should there be an issue with decreasing your portion size as well?

Let us back up a bit. Many people do see a problem with being overweight. You will be hard-pressed to find someone who enjoys being overweight or obese, or feels like there is not anything to be concerned about. Being at an excessive weight is not a natural state to us. Even children seem to be puzzled – for reasons they cannot understand – when interacting with a peer that is well above a healthy weight. Not to mention being overweight is uncomfortable, both physically and mentally.

On the other hand, many people are quick to make excuses when their eating habits are questioned. It is common to see people of all ages attempt to rationalize their bad habits. The most basic explanations often come down to weight loss being too hard. We get it; it is not always easy. If it were, obesity would be an exception in our population. Nobody would be overweight, and we would all be lean. But weight loss is not as painful as it is often made out to be. Usually, it is a matter of mindset and perspective.

So back to our original question. What is wrong with being a little hungry?

If you are not prepared to resist occasional or sometimes frequent spells of mild hunger, then frankly you are not ready to lose weight. It is that simple. Without the will to resist temporary hunger, weight loss is impossible.

Sometimes you might have a satisfying lunch. Then you would just be sleepy while inflicting a setback to your weight loss progress. Between that lunch and dinner, you are guaranteed to feel some hunger. When that happens, you need to resist it: the hunger feeling is temporary. Your efforts will be worth it because they will ensure you are creating a caloric deficit essential for fat loss. As long as you do not overeat at dinner, you will be fine.

Your most effective tool to ensure weight loss progress is learning to temper your hunger. Don’t hesitate to resist the urge to eat when you know you should wait a bit longer. Add exercise to the equation, and you are sure to make progress.

Although managing Type 2 diabetes can be very challenging, it is not a condition you must just live with. Make simple changes to your daily routine – include exercise to help lower both your blood sugar levels and your weight.

Eliminating the Bias in the Recruitment Industry

Individual bias is developed based on social environment, culture, upbringing and moral values. At times, we get negative vibes from a person for no justified reason. Unconsciously these feelings impact our judgments. The point is, without even realizing, such feelings result in wrong decisions. The responsibility of taking the right decision changes in professional life, especially when you are a part of the hiring team. Because the consequences of the wrong decision affect the entire organization in terms of money, time and productivity.

Identification Factors
The identity discrimination should be removed from all the resumes prior to review by the hiring managers. Talent is beyond gender, location, nationality, age, and religion. The assessment of the resumes is supposed to be regardless of these identity priorities. In order to implement a transparent and fair recruitment system, these biased factors have to be eliminated.

Confirmation Bias
It’s a certain mindset when you make a preconceived belief about a candidate and seek for the reasons to prove it. Making decisions in mind, based on your assumptions identified from the resume. For Instance: Assuming a candidate less competent due to her/his grad school is baseless. With such self-created opinions, the hiring managers are not capable to judge the candidates fairly. At times, organizations do miss a true talent by dropping them off prior to making an interview.

Superficial Factors
This happens when the interviewers are judging the candidates based on the obvious factors, the overall appearance and look. For Instance: Weight of the candidate or visible tattoos. These factors shouldn’t be the criteria to decide the suitability for the desired position. One must have to look beyond these obvious factors to discover the candidate’s true worth. Such overrated factors like being physically fit, Decrease Company potential to add great workforce to their organization.

Stereotyping Bias
Unfortunately, each culture is surrounded by stereotypes. This bias defines the hiring based on the belief that certain traits of candidates make them suitable for the job. For Instance: Taking women inferior because of their femininity. Considering candidate’s from certain religion more loyal, labeling certain nationality holders as liars. Such stereotypes are originated from social generalizations and have nothing to do talent scale.

Gut Decisions
This explains making decisions based on “sixth sense” or gut feelings. Don’t let gut feelings take over the charge of decision making. Don’t be too judgmental. Hiring managers have to utilize their tendency to discover a candidate’s talent while overcoming their gut feelings. These decisions led by the sixth sense are purely based on individual emotions and favors, lacking the ethical responsibility towards the company.

Job Description, Salary and Skills: Aeronautical Engineer

Aeronautical engineers, also known as aerospace engineers work in aviation, aerospace or defense sector. They are responsible for producing specifications that help in designing, developing, manufacturing, maintaining and modifying military or civil aircraft and associated systems as well as other aeronautical components. These engineers can also be assigned the tasks of designing aircraft, spacecrafts, missiles, satellites or systems used for national defense.

What does an aerospace engineer do?

Primarily, aeronautical engineers are those who make use of their technical knowledge to refine different factors such as flight safety, fuel efficiency, cost-cutting and address the issues related to environmental impact caused due to air travel. They are also associated with satellites or robots. Individuals aspiring to work in this domain can do a specialization in any of the one domain namely, aerodynamics, system integration, propulsion, materials and structures, and avionics. The different job responsibilities vary from employer to employer and they might be entrusted with various duties. A general idea of the tasks carried out by an aeronautical engineer is as followed:

Making use of scientific and technological principles to design aircraft, components and necessary support equipment
Researching and developing design specifications
Taking help of computer-aided design software (CAD) to create plans
Supervising different tasks like engine installation, instrument or other equipment and assembling the air frames
Participating in flight-test programs to calculate appropriate take-off distances, landing capacities, rate of climb, maneuverability and stall speeds
Taking lead to resolve issues that are generated during design, development or at the time of the testing process
Doing regular inspections, maintenance work, repairs or servicing to ensure full operation of the aircraft in normal as well as emergency situations
Assessing, measuring and preparing notes to improve the performance of the aircraft system, components and other equipment
Taking efforts to modify existing designs to reduce harmful effects on environment by minimizing fuel consumption, pollution and improving existing features for safety
Investigating aircraft accidents to understand the fault, calculate damage caused and giving appropriate answers to the passengers’ families
Publishing specific technical reports of the special projects carried out by collecting relevant information, analyzing and interpreting data and documenting findings
Effective managing of small as well as large-scale projects by allocating timely budgets and scheduling required resources
Communicating technical or regulatory advice to on duty teams, clients, suppliers or other professionals related to the aerospace industry
These engineers are employed in multidisciplinary teams, and their job tasks might vary from writing manual or documentation reports to retesting the existing product to determine new flaws.

How much is the salary range?

As per the United States Bureau of Labor Statistics, the mean annual salary of professionals employed in this sector was $104K. It is estimated that fifty percent of the aerospace professionals usually make between $81K and $125K per annum. The median salary for this occupation has been fixed around $102,429 per year. The salary package also depends on the sector where the individual is employed in – those who had jobs in companies dealing with manufacturing aerospace parts and equipment, draw $97K. Individuals working in the scientific or consulting services had the highest average earnings that is around $115780 per annum, while federal government employees had the salary package of $111K per year. The average salary for an aeronautical engineer has been said to be at $85,276 per year as per the 2017 data.

What are the necessary skills for this profession?

Given the complex and multidisciplinary nature of the job, an employer would certainly look for some prerequisites in a candidate. You need to show a string of technical knowledge and prowess in subjects related to aeronautical engineering, meticulous and methodical approach towards work, strong analytical thinking and problem-solving skills in critical or emergency situations. A passion for aviation, knowledge of safety measures and up-to-date information technological developments in the sector along with excellent written communication and multilingual abilities would be an added advantage.

Aeronautical engineering is a good option for those who love to be above the ground and want to fly high to observe things from a bird’s eye. To get a break in this line of profession, a degree in relevant field and some work experience under the belt would be the best way to make a successful career.

Overweight? You’re Not Making Enough Money

Research shows that not making enough money is associated with being overweight, mainly because there is a significant correlation between an individual’s physical wellness and that person’s mental clarity. Subsequently, there is a link between mental clarity and life satisfaction in regards to income and other primary and tertiary needs as highlighted in Maslow’s theory on the hierarchy of needs.

Here are the reasons why not making enough money may warrant you being overweight:

Lack of time
An individual who does not make enough money is bound to drown in bills and get into debt if they do not work more hours in a day. The consequences of working more hours include reduced time for working out, lack of time to get/prepare healthy meals, and lack of enough time to rest. A combination of these three factors leads to weight gain; leading to obesity.

Poor Mental health
Not making enough money affects the mental well-being of individuals because it causes insecurity of the mind. Poor mental health can lead to depressive tendencies such as addiction, esteem issues, and hence, self-destructive tendencies such as overeating, smoking, and alcohol abuse. Depressive tendencies and drug abuse have been scientifically proven to be risk factors associated with being overweight.
Depression due to lack of enough money also causes demotivation. A demotivated person lacks the energy and intelligence to make healthy choices because they consider their efforts inadequate. A depressed person may also have poor sleeping habits. Poor sleep habits such as oversleeping and lack of adequate sleep are also risk factors of weight gain.

Limited choice
Not making enough money can constrain an individual to particular locations or situations. For example, whereas a person may be interested in working out, the lack of money for a gym membership limits this person’s ability to work with a professional trainer or dietician.
The individual’s choice for food also become limited. Not making enough money comes limits a person to cost-effective foods where healthy alternatives are foregone to spare money for other needs. Healthy foods are more expensive and scarce. On the other hand, unhealthy foods, such as junk foods and soda that are high in unhealthy sugars and calories (risk factors for obesity), are inexpensive and readily available.

Lack of enough money also limits the social mobility of a person, and the access to amenities such as public gyms, playgrounds, or farmers markets.

Information
Illiteracy/ignorance has a direct relationship with low income. Illiteracy is defined as lack of education. Individuals who are uneducated do not know how to access information, and those who can access the information lack the comprehension capability. For example, an illiterate person may not be able to comprehend the labeling information provided by manufacturers on the packaging of the products. However, an ignorant person may also consume unhealthy foods because they do not understand the importance of nutrition or are dismissive about the long-term benefits of physical wellbeing.

Weight Loss – Three Mistakes Many Beginners Make When Dieting

Have you chosen to make some dramatic lifestyle modifications? Would you consider yourself a beginner at following a weight loss plan? If so, it is important you can identify some of the most common mistakes many beginners make when they first start out with their diet. Sadly, some of these mistakes can cost them their success, leading them to toss in the towel and just give up their plan of losing weight altogether.

Steer clear of these, and you will be off to a better path…

Mistake No. 1: Not Learning How To Count Calories And Macros. The first and the most prominent mistake you could make is not counting calories or macronutrients (macros) at all. Yes, it can feel like a drag sometimes, but if you want to ensure you are going to see optimal results, it is worth it to spend some time counting calories and macros.

Counting calories and macros gives you a much better idea of exactly how much you are taking in and, as a result, will allow you to ensure you are not going over your target number each day. If you do go over your daily target, you will not see your desired results, plain and simple.

Mistake No. 2: Too Much, Too Soon. Another issue is the “too much, too soon” error. People think they can overhaul their diet plan entirely, adopting a whole new strategy. Usually, this backfires. Our eating habits are primarily engraved in our behavior patterns, so if we make too many adjustments at once, it just leads to us giving up.

Start small; one change here or there. If you do this then over time, it will add up to more significant results.

Mistake No. 3: Being Too Strict. The last mistake often made is being overly strict. If you never allow yourself some of the foods you enjoy, eventually your body is going to rebel. You are going to be faced with not having any enjoyment with your food choices, and for most people, that is just too much.

Find a way to make a compromise: 90% of the time you eat healthily and 10% of the time you can have a bit more fun with your food. That will be the best route to success.

Keep these points in mind and do your very best to side-step any issues that may throw you off your diet altogether. Before making any final decision about your ideal body weight, consult your doctor or dietitian. If you have been overweight for many years, a realistic body weight might be higher than the BMI recommendations.

Although managing your disease can be very challenging, Type 2 diabetes is not a condition you must just live with. You can make simple changes to your daily routine and lower both your weight and your blood sugar levels. Hang in there, the longer you do it, the easier it gets.

What Are Top 5 Cryptocurrencies Other Than Bitcoin?

Bitcoin has lead the crypto world for so long, and so dominantly that the terms crypto and Bitcoin are often used interchangeably. However, the truth is, the digital currency does not only comprise of Bitcoin. There are numerous other crypto currencies that are part of the crypto world. The purpose of this post is to educate our readers on cryptocurrencies other than Bitcoin to provide them with a wide range of options to choose from – if they intend on making crypto-investments.

So let’s get started with the first name on our list, that is:

Litecoin:

Launched in 2011, Litecoin is often referred to as ‘silver to Bitcoin’s gold.’ Charlie Lee – MIT graduate and former engineer at Google – is the founder of Litecoin.

Similar to Bitcoin, Litecoin is a decentralized, open source payment network which functions without a central authority.

Litecoin is similar to Bitcoin in many ways and often leads people to think: “Why not go with Bitcoin? Both are similar!”. Here’s a catch: the block generation of Litecoin is much faster than that of Bitcoin! and this is the main reason why merchants around the world are becoming more open to accepting Litecoin.

Ethereum:

Another open source, decentralized software platform. The currency was launched in 2015 and enables Smart Contracts and Distributed Applications to be built and run without any downtime.

The applications on Ethereum platform require a specific cryptographic token – Ether. According to the core developers of Ethereum, the token can be used to trade, secure, and decentralize just about anything.

Ethereum experienced an attack in 2016 which saw the currency split into two parts: Ethereum and Ethereum Classic.

In the race of leading cryptocurrencies, Ethereum is second most popular and is right behind Bitcoin.

Zcash:

Zcash came out in the later part of 2016. The currency defines itself as: “if Bitcoin is like http for money, Zcash is https”.

Zcash promises to provide transparency, security, and privacy of transactions. The currency also offers the option of ‘shielded’ transaction so the users can transfer data in the form of encrypted code.

Dash:

Dash is originally a secretive version of Bitcoin. It is also known as ‘Darkcoin’ due to its secretive nature.

Dash is popular for offering an expanded anonymity which allows its users to make transactions impossible to trace.

The currency first appeared on the canvas of digital market in the year 2014. Since then, it has experienced a large fan following over a very short span of time.

Ripple:

With a market capitalization of over $1bn, Ripple is the last name on our list. The currency was launched in 2012 and offers instant, secure, and low-cost payments.

The consensus ledger of Ripple doesn’t require mining, a feature which makes it different from Bitcoin and other mainstream crypto currencies.

The lack of mining reduces the computing power which ultimately minimizes the latency and makes transactions faster.

Wrap Up:

Although Bitcoin continues to lead the pack of crypto, the rivals are picking up the pace. Currencies like Ethereum and Ripple have surpassed Bitcoin in enterprise solutions and are growing in popularity each day. Going by the trend, the other cryptos are here to stay and will soon be giving Bitcoin a real tough time to maintain its stature.

est Part Time Business Ideas for Students

For some part-time job, you don’t have to wait until you have a degree. The best key and strategy for finding a part-time job for a busy college student is to look for those positions that have high-quality positions, flexible schedule and have a trustworthy source.
In home based jobs, there are certain scam websites too which attract you by offering a lot of income but are just fraud. So, as a student, while searching for a job, you need to be aware of these scams.

To perform a part-time job while studying is a daunting task. You have to balance your studies, classes, home works, and a job at the same time.

Here are some best part-time business ideas listed down that can help students in finding a good job:

1. Freelance Content Writer
If someone possesses excellent writing and editing skills, working on various freelancing websites and editing content for websites are the best business ideas for college students. You will be responsible for creating content in one or more subject areas depending upon the nature of the job. Many of the freelancer writers are earning handsome income today from this part-time job.

2. Online Tutor
Serving as an online tutor is the best job for you if you have teaching skills. This is the age of technology. Most of these jobs are work from home and have a flexible schedule. If you have a wealth of knowledge on some subject, you can help students in mastering their tough classes while earning some extra money for you. Teaching others not only benefit them but also increase your knowledge in that particular subject.

3. Social Media Assistant
Social media assistant and social media coordinator are the best part-time business ideas for graduates. Many graduates, often, seek for social media assistant job in order to earn a bulk of the money from the part-time job. The job of social media assistant is to manage social media channels and also to assist companies with content writing, marketing or other services which help their business overall.

4. Online Researcher
Many business professionals hire online researchers for a part-time job. These online researchers research questions were given to them so that the company can deliver client some high-quality answers and personable explanations. For this job, some research expertise and basic knowledge of business are required. If you hold such capabilities, this job is for you.

Bitcoin & It’s Impact On Currency

Bitcoin is a revolutionary kind of currency that was introduced in 2009! It functions by enabling transactions to go through without the need for the middle man. Therefore no banks are required.

You also get the benefit of no transaction fees and no need giving out your real name. With such flexibility bitcoin has become widely accepted by both consumers and merchants. It also can be used to purchase web hosting services, foods online, and just about any service you can think of online.

Bitcoin has impacted much on the currency arena. It can be easily utilized to purchase merchandise anonymously. It also provides the benefits of easy and cheap international payments and is not subjected or limited to any country or regulation.

Some people see Bitcoin as a vehicle for investments and buy Bitcoin by trusting that they will increase in value.

To get Bitcoins, you can purchase on an Exchange marketplace that allows people buy or sell them, utilizing other various currencies.

The transferring of Bitcoins is easily done by forwarding Bitcoins to one another person utilizing mobile apps or their PCs online. It’s just like sending cash digitally.

With Bitcoins you have a currency value that can be stored in what’s called a “digital wallet,” which subsists either within the cloud or on a computer. This digital wallet is like a virtual bank account that lets account holders within it send or receive Bitcoins, purchase goods and services or store them.

Although most bank accounts are insured by the FDIC, Bitcoin wallets are not, yet they are safe, secure and have payment flexibility benefits.

Unlike the US dollar, gold, silver, or some other precious metals, Bitcoins are scarce and this scarcity is algorithmic.

In terms of international remittance Bitcoin is a winner. There is no worry about fraud or security. At some money exchange businesses for instance, migrant workers could utilize Bitcoin to send payments from one nation to another via email.

On the 27th of June in 2014, the US Government was scheduled to auction off about 30,000 BTC that was confiscated from the shutdown of Silk Road, an online black market operation. At that time, the value of Bitcoins was 633.84 dollars. Today, one Bitcoin is worth about $655.48 US dollars around the time that this article was written.

If you take a good look at some the local merchants downtown, the inner cities or online, you will see the Bitcoin logo acceptance in the window or on the door.

Bitcoin is still maturing and is making a tremendous progression towards being one of the most sensible currencies ever created.

Do you think Bitcoins will become a world currency? Do you think the US Government will sell all of the Bitcoins that they possess? Is Bitcoins really secure? How can I get Bitcoins and where? All these questions can be best answered simply by Googling Bitcoins.