Lonavala: Weekend Getaway

Lonavala is a popular hill station that is located in Pune, in the state of Maharashtra. There are a number of wonderful tourist attractions in town and many tourists visit it often because of the wonderful scenery found here. There are a number of great hotels in Lonavala that offer some wonderful accommodation that fits the budget and finding a room will not be hard.

Lonavala can be reached easily from most places in the state as it is located on the Mumbai-Pune Expressway and is connected to many towns like Khopoli, Karjat and Talegaon. The town is also well connected to other places in the state by railways and there are a number of trains coming here from places like Mumbai and Pune every day. The train journey from Mumbai can take close to 3 hours and the journey from Pune takes about an hour. There is no airport close to the town, except for at the cities of Pune and Mumbai. A number of tourists from the cities of Mumbai and Pune have started buying homes here, which are usually vacation homes and second homes. This has led to a number of wonderful properties coming up in the hill station where people can buy great places to stay.

There are a number of wonderful spots at Lonavala that offer tourists some wonderful experiences. The Rajmachi point offers you some mesmerizing views of the town and the valley. There are a number of bus services in town that offer great transport between the town and places like Rajmachi Point. The Lonavala Lake is a wonderful place where one can relax and enjoy the scenery and Tiger’s Leap is another wonderful tourist spot in town that offers you some fantastic views of the town. There is also a wonderful wax museum that is located here, which is a great place to visit and popular among many tourists that come here often. There are also a number of popular dams located in town, like the Valvan Dam, the Bushy Dam and the Tungarli Lake and Dam, which are popular spots among tourists visiting the town.

Lonavala is a wonderful place for a weekend getaway or for a wonderful summer vacation, away from the hustle and bustle found in the big cities like Mumbai and Pune. There are a number of things one can do in town and it gives you an opportunity to see some of the most amazing places in the state.



Source by Himanshu Lal

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

Virtual Salesforce Consultant to Boost Your Business

Small to medium businesses can benefit very from being organized and integrating their personnel in a tight, close fashion, ensuring everyone is informed and on the same page, not only just day to day, but up to the minute. Communication within the company as well as conveyances with existing and potential customers is paramount, and having an easy and workable way to keep track of all and change or edit on the go is a must these days. A successful business will be able to manage all communications, and the use of Salesforce to help determine your needs will put your business ahead of the pack.

Customer relationship management (CRM) is a must for businesses; this is an established fact. You must be able to concentrate your full force on creativity and sales, and leave the mundane aspects of email management, database creation and updating, and basic software management to slow you down. Instead, having all this integrated into a software base such as, Salesforce can streamline your company's communications within the office, as well as your connections with customers and clients. The entire communications bundle can be actually looked after the virtual Salesforce consultant, saving you a great deal of money, as you will not make the costly mistakes.

The benefits come into light as you see your business begin to communicate more efficiently, under one software package. The consultant can help you decide which package is best for your business, and how you wish to handle communications. Perhaps the ideal condition for your business is to take it to the cloud, and with the CRM packages available, you will be able to make the most of having your email and documents available to sales personnel and clients anywhere they may be, as long as they have an Internet plug in. Documents are instantly accessible and you are able to see and make changes that are then distributed throughout the cloud, right to your business associates, instantly. No more worried that someone will be left out because something got lost in the mail.

The communications software best designed for you can be a challenge to find the first time. Wasted time in running about trying to do so can lead to lost money. With a Salesforce consultant at your disposal, you are able to get advice on the packages that are best suited for your business model. Your sales representatives and executives will be fully integrated into your communications and customer relations instantly, able to deal with any request generated by the customer and immediately documenting the communication for action or storage. Without customers, there is no business, so it is important to be able to communicate with them both quickly and efficiently, and to have everyone who needs to be on board within communicable distance, even virtually.

The best practices come from having the right information, and getting a Salesforce consulting service to set up the best customer relations management software integration for your business will ensure you get the boost you need to come out on top.



Source by Rakshanda Naz

Online Casinos – A Smarter Way to Make Huge Fortunes

Online casinos, also known as virtual casinos or internet casinos, are online versions of traditional (“brick and mortar”) casinos. Online casinos enable gamblers to play and wager on casino games through the Internet. Online casinos can be divided into three groups based on their interface:

Web-based casinos are websites where users may play casino games without downloading software to the local computer.Download-based casinos are the ones which require the download of the software client in order to play and wager on the casino games offered. Live casinos allow web players to interact with games played in a real world casino environment. Online players can see, hear, and interact with live dealers at tables in casino studios worldwide.

The games offered at online casinos include Baccart (online card game), Blackjack (also known as twenty-one or Pontoon), Craps (previously known as crabs is a casino dice game), Roulette (a casino and gambling game named after the French word meaning “small wheel”), slot machine or Poker machine or fruit machine (a certain type of casino game which has coin-operated machines with three or more reels, which spin when a lever on the side of the machine is pulled) and Video poker (a casino game based on five-card draw poker played on a computerized console which is a similar size to a slot machine).

Depositing cash in an online betting hall is easy. Many betting room brands accept money deposits using a charge card. You can make a deposit by electronic transfer. Check out paying money into gaming room user account with sending a personal check is also an option with most gaming halls. Several internet gambling hall brands accept Prepaid ATM, either for a payment or extraction method or both.

If the term seems appealing to those who wish to enter the tempting world of online gambling, but want to know what are the benefits under its hat, here is a list of possible benefits of online casinos over traditional ones.

You receive a complimentary wagering hall website program for your computer.

Most betting room website brands will allow you to gamble for enjoyment for however long you choose.

You do not have to tip anybody.

Most online gaming hall brands provide new as well as current participant complimentary money incentives.

You may play from your home or the office – providing you`re entitled to do so, naturally.

Online gambling room betting regulations are often more beneficial on the internet than in real gambling halls – chances on wagering hall website are simply more beatable on line than off line.

Online casino websites offer the users newcomer free cash casino incentives, comps point clubs, recurring monthly complimentary cash casino bonuses, voucher codes promoting special offers, top prize drawings etc.

So, now you don’t need to dream of Las Vegas to enjoy the thrill of playing at a casino. The enticing world of Online Casinos is at your fingertip. Just click your mouse and enter a casino enjoying the comforts of you home.



Source by Mansi Aggarwal