Understand the Benefits of Having the Right Amount of Auto Insurance

When times are tight, one of the first things cut is auto insurance. While a reduction in coverage can save money at times, it’s important to make sure you’re not cutting back too much. If you have too little coverage, you may be under legal limits for your state, and you may be putting your other assets at risk, as well. So how much auto insurance coverage do you really need?

If you’re just starting out in life and have a beater of a car and nothing else to worry about, then minimum state coverage is fine for you. Most states have laws that mandate liability coverage, but some states also require coverage for medical expenses for you and others and pain and suffering. Some states will make you carry insurance to protect you in the case an underinsured or an uninsured motorist hits your car. You should know what exactly your state requires. Minimum requirements under state laws cover bare minimum accidents. If you have a serious accident and someone else is injured, minimum coverage may not be enough to protect you if the injured person’s attorney decides to recover loss via your other assets. When you have a family and home to care for, choose at least 100/300 limits on injury liability for adequate protection.

Besides these types of coverage, there are many other add-ons for any policy. Collision coverage will cover damage to your vehicle if you collide with anything, such as a curb or a retaining wall. Comprehensive coverage will pay for repairs if something like a tree falls onto your vehicle or your car suffers damage from fire, floods, or theft. Before buying auto insurance, make sure your other insurance policies don’t cover some of what your new policy would. While cutting back to save a few bucks may seem like a great idea, consider what you’re giving up.

Helpful Tips for GMAT Prep: Master the Data Sufficiency Portion

For Business School Applicants the GMAT is a critical test designed to test your accumulated knowledge learned during your undergraduate years as well as your aptitude to comprehend verbal and quantitative data quickly and thoroughly. GMAT scores figure highly into the Admission Board’s decision-making process. Studying and taking the GMAT can seem like a daunting task, fortunately there are a variety of gmat prep programs and tips available for those students who want to improve their chances of a good GMAT score and acceptance into a great Business School. One of the most head-scratching sections on the test is the Data Sufficiency portion.

Studying for the Data Sufficiency portion of the GMAT can seem like an impossible task. These questions ask you to determine if you can answer the question with the information given rather than answer the question itself. There are a few tips to learn in order to master the logic behind the question in order to apply them generally across all data sufficiency problems. There are five answer choices to memorize in order to answer a data sufficiency problem.

A question will present two statements with either complimentary or contradictory statements, it is your job to figure out if you have enough information to answer the question given. A great tip to eliminate half of the answers is to follow this pattern.

A) Find out if statement 1 or statement 2 are sufficient without any other information.
B) Find out if both statements together are sufficient, but neither can stand on its own.
C) Each statement is sufficient on its own .
D) Neither statement is sufficient on its own .

Once you have this pattern down you can easily eliminate half of the questions. Of course you will want to practice this pattern over and over. You can buy gmat prep course books or take classes offered year round.

New York’s Finest Luxury Hotel

Are you looking for the best luxury hotel New York has to offer? There are many things to look for when choosing the right hotel.

First, look for a hotel that is conveniently located near local transportation, grocery stores, good restaurants, and nightclubs. The neighborhood tells a lot about the hotel and its guests.

Also, look for a hotel that is unique and beautiful from the inside and outside. Just the average modern hotel won’t do, as those can be found a dime a dozen. Keep your expectations high and see what possibilities appear. Look for something classy, sophisticated, and charming, such as a historical landmark building from the early 1900’s.

Keep your eyes out for rooms that are elegant, luxurious, and tastefully decorated by an interior designer. European furnishings are a welcome feature, as are special bath tubs and lighting fixtures. These small things add significantly to your experience at the hotel.

Another thing to look for are hotels that have excellent restaurants and room service. You never know when you need a midnight snack or may need to host dinner for a guest. Having a steamed shrimp salad with champagne dressing for your business meeting makes it memorable and unique.

Last but not least, look for a hotel that is reasonably priced and competitive with other hotels in its category. You could indulge and show off, but it would be a waste of money. You can still aim to get an affordable yet elegant room.

There is only one hotel in New York that fits these qualifications, and it stands out from the crowd in shining colors. Located in the heart of the Manhattan’s most elegant neighborhood, The Mark Hotel is the hotel of choice recommended for those who are looking for a classy luxury hotel in New York.

New Jersey Condos Going Green

With the ever-looming threat of drastic climate change, environmental agencies have encouraged a recent surge of awareness regarding environmental health on the population of the United States and reformed many consumers into “greenies.” These agencies market the recent movement to take better care of the earth as “going green,” and they are surrounding the population on all sides with reminders and encouragement to “live greener.” In many areas, companies are starting to follow this trend to help conserve the planet and to tap into this new-found, large market of consumers.

In New Jersey, some condo builders have taken green living to new heights. Their lofts, like so many other Jersey City condos, have moved forward into this new, greener world with fierce determination. Some properties that have incorporated green practices are receiving national recognition from companies like the Leadership in Energy and Environmental Design (LEED) for measures taken during the building’s refurbishing and remodeling. Some condo buildings feature grassy, ground-like roofs that help with carbon emissions.

Agencies like the U.S. Green Building Council hope other builders and re-modelers will notice the commendations, publicity, and high levels of social responsibility and consciousness related to creating greener real estate in the Jersey City area. It seems as if those hopes may come to fruition as other builders are looking to reconstruct or build condo properties in the area that will receive LEED certification. By viewing what other green builders have done, new players to the environment-friendly building game can find tips. Most people want to do their part by going green, and being green is a powerful marketing tool. There is a great future ahead for the Jersey City area and its real estate: a brighter, greener future.

Motion Sickness Remedies For Adults and Children

Motion sickness, also known as kinetosis or travel sickness, is a condition in which the vestibular system’s sense of movement disagrees with visually perceived movement. An individual might feel fatigue, dizziness, and nausea. Many people, both young and old, experience motion sickness when they are in boats, cars, or when riding on amusement rides. In many cases, the motion sickness will cause an individual to vomit, yet vomiting doesn’t relieve the nausea. There are several different methods for treating motion sickness in adults and children. Some are natural, some are chemical, and others are electronic.

One natural remedy for motion sickness is to look out of a window on a moving vehicle or boat. Look out in the direction of travel and focus on the horizon. This action helps reorient your body’s sense of balance. If you’re in a dark place, try shutting your eyes and sleeping. If that doesn’t work, try chewing. You could chew food or gum to help relieve the nausea related to motion sickness. It also helps to open a window, if possible. Cool, fresh air can relieve the symptoms and help you avoid strong odors that can make the nausea worse.

Many adults and children turn to chemical help for motion sickness remedies. You can purchase prescription medication as well as over-the-counter medication. Some of the medication comes in tablet form, and other types of medication come in different forms such as transdermal patches. Antihistamine medications sometimes help with motion sickness, although they tend to make an individual drowsy.

Some people take ginger crystals or ginger root to calm an upset stomach, although this remedy is controversial. Some scientists believe that ginger has a placebo effect. NASA has done deep research on motion sickness, since it’s an affliction that frequently affects astronauts. They tend to turn toward electronic means, offering LCD shutter glasses with stroboscopic vision to astronauts.

Cheap Cruises Make For Unique Vacation Opportunities

When the time comes for you to spend your hard earned money on a vacation it would be nice to do something different from the norm. You, like most people, get set in your habits and routines and end up in the same old summer cottage or at the same old resort. While there is nothing wrong with the comfort those places have created for you, it is not always the most exciting vacation. So if you are going to be planning your next vacation, maybe you should think a little outside the box.

One of the best ways to enjoy a vacation is on a cruise ship. They have everything you could want. The food is amazing, they have shows and gambling, dancing and exercise opportunities. And at the end of it all you can dock and see amazing places like the Bahamas or Alaska. There is no shortage of cruises and if you take a peek online you can find cruise offers for next to nothing. It’s one of the best vacations you can plan and for a very reasonable price.

If you have enjoyed much of the United States, perhaps it’s time to travel to Europe. There is more than enough to occupy yourself in the great sights and sounds of Europe. There is the culture of England, the food of Italy, the fine wines of France, and the history of ancient Greece. It’s a wonderful way to spend your days. The price might be a little heavy for you but if you decide to make this the two year vacation you have always wanted then it becomes much more affordable. Talking to a local travel agent can lead you in the direction of an amazing overseas vacation that you will be talking about for years to come.

Cheap Cruises Can be Great Cruises

Cheap doesn’t have to mean you won’t have a great time or be treated like royalty. There are a lot of inexpensive options out there for cruises, and many of them still provide the high level of service that you would expect when you take a cruise to an exotic locale. If you’re looking for cheap cruises make sure you read the fine print before you sign anything or pay any money down to reserve your room. Some cruises charge extra for every little thing. That’s how they manage to say that the cruise is cheap. The cruise price you pay is very inexpensive, but then you have to pay for all kinds of other things.

Fortunately, there are all kinds of cheap cruises where that’s not the case. Many of these are offered in the off-season when there aren’t as many people wanting to take trips. Because the cruise lines aren’t as heavily booked during those times they lower their rates to entice people to travel. That makes perfect sense, and it’s a great way for you to save a lot of money and still have a wonderful trip. The amenities are just as good and the weather is usually nice, as well.

There just aren’t as many people, and you can either spend less for what you’d planned to get or spend the amount you’d planned on and get a bigger, better room or some other kind of amenity that would’ve been out of your reach otherwise. In short, don’t give up on the idea of finding a cheap cruise that still gives you everything you want. There are plenty of choices out there, and until you explore them, you won’t know if you can find what you’re looking for at the price you’re willing and able to pay.

Things to Look for in a Luxury Apartment

Many people like to go to New Jersey for vacation. Others want to live there, especially because of its proximity to New York City. This mid-Atlantic state is bordered by New York and the Atlantic Ocean as well as Pennsylvania and Delaware. It’s the most densely populated state in the United States, making it perfect for apartment living.

Whether you are looking at New Jersey luxury apartments to own, or whether you plan to rent one for a week or month, there are certain factors you want to research before making your purchase or down payment. Think about the uses you have for the luxury apartment. Ask yourself several questions: How many people do you want to live in the apartment? Do you plan to have guests? Do you plan to entertain?

Make sure that the luxury apartment has enough bedrooms to sleep everybody comfortably. Think about privacy. Are there enough bathrooms that people won’t have to wait in line? Are there places where someone can go to rest away from noise? Don’t forget about seating. You will most likely want some formal areas as well as some informal areas for entertainment and general relaxation. Decide whether or not you want a bar in the apartment, and consider what type of kitchen you want to have for entertaining.

Look into the different types of amenities offered in your luxury apartment complex. Walk through the lounge and check out the pool. Locate the fitness center and see if the equipment is up to your standards. Find out whether or not the apartment complex has a business or conference room that you might be able to use when necessary. If you are planning to do entertaining, see what’s offered in the luxury apartment’s game room.

Turning Foreclosures Into Luxury

While the Great Recession has been hitting the Wall Street below the belt and bursting the housing bubble, apartment scavengers have managed to find a dream come true at a deal well below market value. Many people lost homes, apartments, and condos to foreclosure, but buyers are reaping the benefits of the banking industry’s financing mistakes. Once buyers have found little pieces of real estate heaven, more than likely they are going to have to hire a contractor to turn dime-store bargains into New Jersey luxury apartments. Some people will even find deals in current luxury apartment buildings, increasing the odds of making a gain in equity.

Recently foreclosed apartments may need total rehabilitation or minor work to make up for neglected maintenance. Whatever the case, buyers should look for a reasonably priced, reputable, licensed, and insured contractor to assist them through the process. Good references are the best way to find an upright contractor. Ask friends and families for contractor referrals regarding those they’ve used in the past. Many communities will have investment or real estate groups a person can join to obtain quality references. It’s not critical that a contractor have previous dealings with investment property, but one that does will be able to do whatever is necessary to increase the value of a foreclosed property and help owners gain equity right away.

Contractors should listen to buyers’ concerns and needs and finish projects by specified deadlines. Choosing the perfect contractor will not only ensure quality work but aid in property value increase. A quality contractor will have appropriate licenses and insurance. An open, communicative relationship between contractor and owner is important to a project’s success. The contractors should use a specific contract for the job. By choosing the right contactor and maintaining good relations with their contractor, owners can turn a sweet deal into the perfect home.

The Economist Fail

This story is pretty surprising when you consider that The Economist is one of the most respected publications in the world.

Photoshopped photos are a problem everywhere. It’s ruining the glamour business, and we’ve seen it have a big impact in the fashion world.

Now we have a respected magazine photoshopping out a person in a photo in order to make a broad point about a story. But the real photo doesn’t really match the point, so they alter it. Wow.

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