4 Things to Check Before You Rent a Car in a Foreign Country

One of the most important things to do is to check the contents of your rental package, including your insurance, roadside assistance, baby seats, GPS, free miles and much more. These are not always included as standard, so it is wise to check exactly what is included before you rent a vehicle from any car hire agency.

Once you have been provided with this information from the company, make sure that it is all written down clearly in a contract so you are sure of what you are getting before you part with your money. Verify these details well before you set off on your vacation so that you are completely sure of what to expect.

The next thing to do when holidaying abroad and using a car hire company is to ensure that you are aware of the driving laws in that particular country. Many countries will drive on different sides of the road, have varied signage, have different kinds of driving culture and so on. These will all affect your experiences on the road on your vacation.

A good car hire company will inform you of all of this, ranging from what to expect from other drivers on the road to how to read signs well so that you do not get lost or take a wrong turn. Information from an insider in the country can be extremely helpful, so make sure to check with natives as well as other people who have already celebrated in that particular country.

It is also a wise idea to check how you are collecting your vehicle before you embark on your plane, train or ferry. Many companies offer airport car hire, where you can simply arrive at the airport and someone will be waiting to hand over the keys to your car. This is a very simple and convenient option that many people choose.

However, do not assume that all companies offer this. It is essential to check and double check the arrangements for picking up your vehicle, whether you have opted for airport car hire pick-up or instead have chosen to collect the vehicle from the agency itself. Having all details in order will ensure that everything goes without a hitch when you disembark from your plane in the country.

Finally, check that you have chosen a vehicle that is perfectly suited to your needs. You may be traveling with a large family, and therefore will need plenty of seats plus ample room for luggage; others may be traveling with an elderly person and therefore need a vehicle that is easy to get in and out of.

Make a thorough list of your requirements beforehand and make sure that your car hire agency is aware of them.

It is not unheard of for agencies to 'swap' your car with another in the same category at the last minute due to demands of other customers or other issues. However, if you have some very specific requirements, you should absolutely ensure that they are respected as part of your contract.

These four pieces of advice can ensure that you vacation abroad goes without a hitch, regardless of where you are traveling to and who with. Make sure that your package includes everything you need, that your airport car hire pick-up is in place, that you have booked the right vehicle for you and that you are aware of driving customs, and you can look forward to a great trip in your rental vehicle.



Source by Ercan Guven

Pay-As-You-Drive Personal Auto Insurance – Recent Developments

California private auto was changed forever in 1988 with the passage of Proposition 103. Among other things the regulations provided that insurance companies must accept all good drivers (as defined by them) and rate auto on 3 primary factors: Driving Safety, Annual Mileage, and Years Driving (rather than age of driver).

Later some 40 other factors would have accepted onto a list of other permitted secondary factors, although insurance score is not one of them. Territories were abolished in factor of some statistically-built bands related to accident frequency and other factors. Occasionally, even the number and differentials between bands would be narrowed.

The effect of the original regulation and the consequential changes was to cause or increase subsidies for a variety of policyholders:

  • Drivers with accidents subsidize good drivers
  • Long annual mileage drivers subsidize short annual mileage drivers
  • Urban drivers subsidize rural drivers
  • Nearly everyone subsidizes low experienced male drivers

The existence of these subsidies causes shortages in the marketplace and influences behavior that may not be desirable. For example, if drivers with accidents pay too much overall, this may cause an incentive to under report accidents. Less data is usually not good – the absence of accidents in the database will extremely raise rates for the next lower level of accident-proneness, as the higher risk drivers seem to belong in the lower accident group based on their statistics.

Other effects of forced subsidies are the introduction of new companies that are specialists in the over-priced segment of the market, increases in the number of drivers in the temporary market, and rate increases for truly good risks.

Pay-as-you-drive insurance:

It is the limited number of categories for annual miles driven that catches the attention of regulators and others wanting a more refined rating plan. Number of miles driven looks like a reasonable way to measure exposure and is easily understood by policyholders. Presumably in combination with "where you drive" (territory, that is. Although this is not "where you drive", it's "where you LIVE"), it would seem to cover a driver's exposure very well (see next section for what research shows).

The new proposed regulation is being touted as a "green" provision, encouraging drivers to drive less by having their insurance coverage apply by mile driven. California Insurance Commissioner Steve Poizner has proposed this optional rating mechanism, allowing insurers to offer a voluntary option for consumers who are interested in pay-as-you-drive coverage.

Consumer groups are opposed, saying that there is not enough protections in the law for protecting the privacy of insured's everyday activities. Some tracking mechanisms include "OnStar" satellite and GPS-based meters similar to those used in cell phones.

Quoting from the article:

"The Environmental Defense Fund estimates that if 30% of Californians participate in this voluntary coverage, California could avoid 55 million tons of CO2 between 2009 and 2020, which is the equivalent of taking 10 million cars off the road. This would save 5.5 billion gallons of gasoline and save Californians $ 40 billion dollars in car-related expenses. Additionally, the California Air Resources Board has recommended the adoption of pay as you drive as one of the means to meet future climate change gas reduction targets. "

Hard to ignore potential emissions reductions like these numbers.

b> But the research shows:

The research shows that pay-as-you-drive insurance may not get at the true exposure to auto insurance claims for each insured. For liability coverages, age / gender combination, along with insurance score and geography are the largest claim level predictors. For property damage coverage, the model of the car takes over as the number on predictor (the others then follow). This information is from a research paper The Relationship of Credit-Based Insurance Scores to Private Passenger Automobile Insurance Loss Propensity, Michael Miller, FCAS and Richard Smith, FCAS, Epic Actuaries, June 2003.

Pros / Cons of Pay-As-You-Drive:
Pros:

  • Exposure for insurance tied to miles driven – easy to understand by drivers
  • The amount you pay for insurance would be directly controlled by the driver, rather than on factors such as sex, age, martial status, etc. that the driver has no control over.
  • The current proposal is for an optional credit, giving low mileage drivers a choice.
  • Reduced emissions

Cons:

  • The amount a driver pays should be as closely tied to his / her exposure to loss as possible, to avoid cross-subsidies and comply with Actuarial Standards and Principles.
  • Tracking mileage is difficult and some methods proposed inspire fear of lack of privacy in some consumers and consumer watchdog groups.

My opinion is that there are better, less complicated ways to refine the rating plan options when it comes to annual mileage, and still emissions lower emissions and "green" policies. One obvious one is to simply increase the number of mileage bands in the current plans and offer "green" discounts (and debits) based on the type of vehicle covered. Discounts for Prius's, debits for Hummers.



Source by Kimberley Ward

Best Free Slot Game, Hurry Up

Slots are considered to be the most popular casino games of all times. Slot machines are also one of the most intense casino games offering the highest payouts and Jackpots. Slot Machines are one of the most sought after games, not only in the casino house but also online. But before you go out and dive into the multitude of slot machine games available, you may want to know which ones are the best to bet. Online slot machines are the easiest games to play in the whole gambling industry. Players are not even required to have any special skills or use any kind of strategies to win the game as they are based purely on luck. The goal of slot machines is come to up with a winning symbol combination in a payline. Some Jackpots featured on Slot machines are triggered by coming up with a specific symbol combination in a payline while other Jackpots are triggered totally at random regardless of the amount wagered. Game reviews and a host of other casino information can be found on various websites and forums dedicated to these. These would be very helpful in searching for a good slot machine to play on. For your convenience, here are some of best online slot games that you can try and enjoy.

Slots games are a fun form of gambling that can be found in casinos all over the world. Basically, a slot game is a type of gambling done on a slot machine. This machine has three or more reel slots and a push button. Reels move when the button is pushed. A coin is inserted, which is validated by the machine. Player’s payoff is decided by the symbols that appear on the face of the machine when the slot button is pushed. Some machines have levers also. There many types of slot machine games for players to enjoy, from the all-time classic Three Reel Classics and Bonus Three Reel Slots to the modern Video Slots and Real Series Video Slots. Three Reel Classics and Bonus Three Reel feature slot machine games which are played with three reels such Bank on It and Pharaoh’s Gold. On the other hand, both Video Slots and Real Series Video Slots feature games played with 5 reels such as Food Fight and Triple Twister. The game also gives away an additional 20 free spins once the player hits the sun symbol. This can be quite a haul since any win that one gets in these free spins are automatically doubled. One thing to note is that you need to download and install the game software from Lucky Nugget’s site to your computer before you can play the game. You can sign up for either a guest account, which gives out points only, or a cash account.

The game also features other well loved standard play items such as the wild symbol and the multiplier. You can play this game either by downloading the game form the company or if you have Flash installed, playing directly on their site. You will still need to register online though. Slots machine strategies- Even though online slots do not require the use of any strategies, there are a few tips that must always be taken into account. The first one is to set a bankroll and never exceed it, no matter what the circumstances are. Secondly, if you ever see yourself in a losing streak, stop playing for the day and come back some other time when your luck may have improved. If you are looking for a simple 3 reel slot that you can play, Cool Back is the right one for you. One great thing about this game is that it has a 6000 coin jackpot, which is higher than any other available 3 reel slot games. You will need to play all the five pay lines in order to get the 6000 coin jackpot.



Source by Angila Al Jes

Affordable Ways of Removing Skin Tags by Use of Home Remedies

There is no medical danger associated with skin tags so far but most people are bothered by them when they spot them almost everywhere on their bodies. What makes things a bit tough and the problem othersome is the lack of insurance covers for this "problem". Removing them can be reliably costed; you can spend a good amount of money getting rid of them completely. And this is the reason why most concerned people are asking which is the best skin tag home remedy they can use.

You can practically remove skin tags from home much more comfortably but be informed that some methods are painful while others are soothing and you can handle them more easily and safely. Skin tags can be removed by the use of extracts from herbal plants such as dermisil normally employed for most tropical treatments. This formulation is gentle and acts on tissues causing the tags since destroying them. They do not harm any other part of the skin.

You can also remove skin tags by tying a piece of string at its bottom for several days until the time it falls off on its own. This is meant to disconnect blood from reaching it since killing the tissues. A sewing string or thread can be used.

Fingernail polish can also be used; this is achieved by covering the tag with fingernail polish 2 times a day. The skin tag shrinks when the polish finally start to dry because causing the tag to leave in less that 2 weeks. Finally, you can use clear scissors or nail clippers to chop skin tags off the skin. After this, rub or apply alcohol at the area. This is a reliably painful skin tag home remedy you can smile with.



Source by Benjamin Jenkins

The Smart Approach to Airbrush Tanning

Before you consider any tanning products, you should consider the risks associated with the products that are available. Natural tanning that is achieved by going out in the sun is simply a crazy decision these days. We’ve all heard of the massive risks that this kind of tanning causes. It’s just not worth it.

Some of the tanning creams on the market may not do damage to your skin, like the sun does, but many of them leave you looking more like an Oompa Loompa than a healthy, tanned person. Many of these tanning products are nothing more than dyes that will leave you looking anything but natural.

Airbrush tanning – the smart, safe alternative

Airbrush tanning is the best medium between the sun and the tanning creams and sprays. The top of the line airbrush tanning products give you a natural, tanned appearance. You don’t end up with the tacky, orange glow that is so common when people use the lower end lotions and sprays. Airbrush tanning interacts with your skin to produce a real tan, but you never have to set foot in the sun or spend time on a tanning bed.

We all want to look great, and a nice tan is certainly attractive. However, you don’t want to risk your health in pursuit of a more attractive appearance. Stick with a high quality airbrush tan to get the best of both worlds. You’ll look great and you won’t be exposing your body to the cancer causing ultraviolet rays of the sun. These tanning products are the best way to avoid the after-effects that the sun has on your skin too. You don’t want to spend years tanning, just to age your skin prematurely do you?



Source by Richard Chapman