Antique Car Insurance Advice

How To Obtain Car Insurance For An Antique Car

Many people choose to restore and show antique cars as a hobby. But even these cars need some type of insurance to protect against accidental damage. This is why many people search for car insurance for an antique car. There are many companies available that provide car insurance for an antique car, with many companies specializing in antique car insurance. By having a wide variety of car insurance companies to choose from, the consumer has the ability to choose the right type of insurance for their needs.

Car Insurance Companies

Many commercial car insurance companies can also provide car insurance for an antique car. Also called collector car insurance, these policies are tailored to the car you are attempting to insure. A car insurance representative will take all of your information and discuss different policy options with you to ensure that you are obtaining the coverage that you need. They will also help you decide which types of coverage are within your target budget and which deductible and limit levels you will need.

Purchasing car insurance for an antique car through a commercial car insurance company will give the policy holder peace of mind, knowing that the company that they have chosen to do business with is an established company with a good reputation. The policy hold may also have their everyday use cars insured with the same company. The security of having an established company provide car insurance for an antique car is well worth the premium that they will charge you to provide insurance for your antique car.

Independent Insurance Companies

There are also many independent insurance companies available to purchase car insurance for an antique car. These companies tend to specialize in antique car insurance and will not insure any other types of cars. Some of these independent insurance companies will only insure a particular type of antique car, so if the car you are attempting to insure is a rare one, if may be difficult to find an insurance provider that will insure it. When choosing an independent insurance company to provide car insurance for an antique car, be sure that the company is a reputable one. You do not want to find that after months of paying the insurance premiums that the company will not or is unable to pay your insurance claim.

Finding car insurance for an antique car can be a lengthy and frustrating process, but the benefits of having insurance for the car far outweighs the initial hassle of finding the insurance. Many antique cars are worth many thousands of dollars and that is a big loss if the car is ever stolen or totaled. Having car insurance for an antique car may be the most valuable insurance that you ever purchase.

Travel and Leisure Book Review – Palm Springs Life – Sun, Fun, Stay, Play

Tired of the weather up North? Well, you are not alone, as every year 100s of thousands of folks come to Palm Springs CA and the surrounding areas to get out of the cold weather, snow, blizzards, ice storms and thundering rain. Why do they call it Palm Springs? And why have people chosen this desert paradise for over 50-years now?

Let’s see, it would take me thousands of words and 100s of pages to explain it all, but it might be better if you go and pick yourself up a picture tourist book from Palm Springs, CA and the neighboring desert cities such as Rancho Mirage, Palm Desert, Indian Wells and La Quinta. Let me recommend the perfect book for you, which also makes a wonderful coffee table piece for your living room:

“Palm Springs Life – 2007-2008 Edition” printed in conjunction with California Prestige Magazine and Hilton Resort Palm Springs. Edited by Milton W. Jones – copyright 2007.

This 380 page volume has gorgeous pictorials on nearly every page, with suggesting to the finest restaurants, spas, golf courses and attractions. You will be amazed that there are so many things to do and see. Whether you are looking for a vacation home, snow-bird rental or just a couple of weeks in a desert paradise, this is one book that will bring it all to life.

All the museums, art galleries and world renowned shopping districts are listed with maps, advice and specialties explained. One thing occurred to me, when I picked up my last copy, this years edition; “What if every tourist destination had a book like this?” Well, with all the traveling that I do, my shelves would be full and I would be a happy man.

How to Start a Car Detailing Business

Those who enjoy automobiles may wish to further their passion by opening their very own car detailing business. Those who take pride in automobile ownership also enjoy having their cars clean, especially during the summer months. By starting your own car detailing business you can reach the large population of those who enjoy having a clean vehicle. Once you start this type of business and have a reputable name for yourself, it may be beneficial to extend your services to farther regions by franchising your business.

There are a few items as well as business know-how you must possess before beginning your business. It is very beneficial to have a location that many people drive past every day; this will bring a large amount of attention to who you are and what you do.

If you are not fortunate enough to have a business on the main strip you can advertise in the local paper, hand out flyers, and offer discount coupons to begin your customer base. Once you have your place of business and a good, reliable staff, you will need the following supplies on hand and keep inventory to ensure you don’t run out:

* Cleaning and drying towels/rags

* Wax, paint cleaner

* Soap, water supply

* Various interior and exterior cleaners,

* Brusher for cleaning, and smaller brushes for interior detailing

* Washer and dryer for cleaning

* Enough garage bays to handle multiple vehicle detailing

Keep in mind that in order to operate year round you must have a heated/cooled bay to work in. It can be very difficult for employees to work in a facility that is either too hot or too cold. Although business may be slower during winter months, waxing is important before winter months, you may have “winter” specials in order to increase business during slower months. Your business should offer multiple types of detailing options, as well as self-serve stations as well. Some owners prefer to work on their own vehicles, so having stations for interior vacuuming and exterior cleaning may be profitable is feasible in your situation.

To ensure your car detailing business is profitable you should enlist the help of someone with a good finance/managerial background. This will ensure good money handling, payments are made on time, and that your business is meeting your expectations. This position can either be the owner’s responsibility or part of the manager’s overall duties. To save on costs the owner may also become the manager.

Once business is well established and profitable, as well as known throughout your community, you may find individuals who want to invest in your business. Once franchising opportunities arise you will have to weigh the decision on how much to charge for franchise fees, as well as a weigh your thoughts on how they should conduct business as it relates to your businesses good name.

Work Wear As Fashion Clothing

Work wear has to be three things: durable, protective and comfortable. These considerations don’t always apply to fashion clothing, as women easily wear shoes that are more akin to torture implements, and men’s shoes that look sophisticated are often uncomfortable. Perhaps it’s no surprise then that work wear has been used to create industrial chic fashion: large boots and caps emblazoned with a work wear manufacturer’s name are about as fashionable as you can get. But how did this come about?

In Japan, their construction work wear is a combination of traditional Japanese clothing and practical European designs. Then in 2005, the designer, Bernhard Willhelm, took from the outfits worn by Japanese construction workers (called Tobis) to create his spring fashion clothing line. From then on, Tobi fashion clothing stores started springing up all over Tokyo, to the point that even children’s clothes were made in the Tobi style. This has also had repercussion in the construction business. Now workers can walk into construction clothing shops and be faced with colourful hardhats and overalls, making the work place also a place of fashion and fun.

One big name in fashion shoes is traditionally a manufacturer of construction vehicles. It seems a giant leap of faith to go straight from manufacturing construction vehicles to releasing a fashion footwear line. Yet, by 2005, the vehicle manufacturer had sold 57 million pairs of shoes over a period of ten years. Experts attribute the brand’s success to their success in creating reliable machinery for the construction industry. People assumed that the footwear would be as tough as their machinery and the shoes are well-respected for their durability and they exude power and strength.

But the real reason for the transformation from dirty and dangerous work to fashion clothing is that work wear suppliers have responded to the demand in the market and started customizing work wear to look mainstream and to suit all tastes. Just like sportswear manufacturers such as Adidas did by creating all different lines of urban fashion clothing, work wear manufacturers have started tapping into the lucrative consumer market too. This is a win-win situation because people are assured of comfort and durability for their everyday activities with work wear lines.

Diamond Holiday Travel Review

Diamond Holiday Travel is the latest multi-level travel company to begin promoting its prelaunch, or in this case pre-prelaunch. I am going to cut to the chase about the details of this company. There is a one time fee of $300 which comes along with a free travel voucher. No inventory or monthly expenses. The overall concept of this company is similar to some of the recent board structure programs we have seen with TVI and Royal Cruise Matrix, where new members only pay a one time fee to become a part of the business. This approach works well considering the attrition rate with MLM is so large.

Diamond Holiday Travel has a revolving matrix compensation plan. I was unable to find a detailed version of how exactly it works on their website but I believe to understand the gist of it. If you sponsor a bunch of people and receive a ton of spillover you will make money. It is as simple as that. This company is new to the network marketing industry and the latest to of many to enter the travel segment. You essentially become a part of travel club which offers many perks to its members and looks to be a good amount of fun as you develop camaraderie with your team and other like-minded travelers.

When I look at Diamond Holiday Travel I see another opportunity where there is potential to make money. However, mostly what I see is a lot of people that are trying to be the first to jump into a pre-launch company in hopes of making a massive residual check. Here is the secret to all MLM companies and Diamond Holiday Travel is no different. Everyone who is successful in an MLM has worked their tail off; there is no get rich quick by finding an opportunity early and sitting on your duff. Diamond Holiday can be a lucrative opportunity for someone looking to join a new company and making an income by putting in strong effort. If you are someone who is moved by the prelaunch approach to marketing the latest opportunity, chances are you will be moving on to the next one in about a month when you don’t see any checks from Diamond.

What Are the Five Most Earning Health Care Jobs?

Doctor, doctor give me the news, I need a good case of health care jobs. Handing out prescriptions, fixing bloody messes and broken bones is where the money is. The more years of schooling in the medical field translate into a better and higher paying jobs in the medical world. Long hours of seeing patients and saving lives. But how much is the labor worth? The paychecks are dispersed on similar levels but some more than others. With millions of medical professions it is hard to determine who gets the bigger paycheck. The top five most earning health care jobs in America right now are specialized medical fields.

The most earnings in a health care career would be in private practices. The professional medical doctors get paid around $306,000 annually. With over eight years of schooling under their belt they tend to find many divisions of vocation. Professional practice like a surgeon, psychiatrist and even clerical work in a hospital qualify under professional practices. There are endless positions to be filled at all locations.

Radiology is another high earning health care profession. A radiologist earns about $386,755 to $600,000 annually. Their job description involves radiation therapy, medical imagery and ultrasonography. They tend to patients needing X-rays and cat scans. They get paid big bucks to analyze the photographs and determine a prognosis. Due to this work being so technical the demand is high.

The next most earning job in health care would be working in a hospital. Registered nurses are on that list of high paying jobs as well. They make about $180,00 a year depending on the number years in practice. Hospitals pay the most and since there are more positions needed in a hospital that is where the work is. Hours are always earned. Nurses are the largest group of health care workers. Although some hospitals run under a union, for the most part they are not unionized.

Pharmaceutical sales representative occupations involve the manufacturing side of medicine. They make about $40,000 to $55,000 a year. Pharmaceutical reps deal with the makers and buyers of a product. They specialize in sales representatives, tending to clients and soliciting accounts, but their patients comes first.

Rehabilitation medical careers are in high demand. They deal with the broken and disabled patients with orthopedic, fractures, injures and neurological problems. Their annual income is around $55,000. Physical therapist and counselors follow a patient through the diagnosis, treatment and recovery and improvement of a patient. It is a mobile journey through way of strategic planning for every patient requiring plenty of time spent together. Their place of work is either in hospitals, clinics or private offices. That grows into an intimate relationship between patient and physician.

The large income health care careers provide make the work appealing. Their paychecks well deserve of the labor and skill they offer the public and private patients. Money aside, health care professional comes with skill and heart to care for others.

Understanding Plus Size Fashion Segments

As fashion and plus size evolve into a recognized and (soon-to-be) respected segment in fashion, so do the idiosyncrasies and nuances of fashion itself, as it pertains to plus size.

You see, ten years ago, plus size only belonged in one lump segment, leaving us fashionistas with very little or if any options for shopping and discerning which pieces were of a “fashionable” standard. However, now, with the amalgamation (yes, I had to use this word) and plethora of fashions within plus size clothing, one could easily find herself lost, frustrated, confused, irritated, or flustered when shopping for an ideal outfit or piece of clothing.


We no longer have “one type” of fashion option for the plus size woman- we have many. However, to better understand and sort through the madness of them all, a budding fashionista must first understand what these newer segments are and learn the identifiers of these to shop smarter, not harder.

No really… WHY?

See, as in the straight- sized market, you will find certain segments within fashion that are grouped together, and for the most part, you know what to expect when shopping from that retailer or specific set of retailers. With the evolution of Plus Size Ready-to-Wear Fashion, the same now holds true. For sake of argument, we will group these segments for plus size fashion as straight sized fashion does to help explain the price discrepancies, size differences, in relation to the integrity and quality of a retailers’ or designers’ garment. The fashion industry is divided into five segments: haute couture, luxury, contemporary, fast fashion, and discount.

* Haute Couture: Synonymous with “high fashion,” haute couture is a derivative of the French term “high sewing.” In France, the label “haute couture” is a protected designation. Designers, who attain this elusive and oft coveted title, produce custom-made clothing for the world’s most influential and wealthiest.
* Luxury: Pret-a-Porter or “Ready to Wear” is one-step down from Haute Couture relative to price and exclusivity, but still serves a discerning and well to do client.
* Contemporary: This fashion forward segment presents mid-priced fashions both fashion forward and quality driven. Oftentimes, these designers interpret fashions from the couture houses, making these fashions readily accessible.
* Fast Fashion: Quickly produced product in a cost efficient manner, delivering “high fashion looking” garments, at the lowest price possible. Relates to the manner of which items from the runway manufactured predominantly overseas with an extremely efficient turnaround.
* Discount: Usually looked at loss leaders, have quickly adapted to the fast fashion concepts leveraging their consumer’s buying power and reputation to fashion exclusive designer collections.

However, the division and classification of what to expect from these segments do not stop there. Please read further into each segment, sans Haute couture, as to understand which designers and brands fall into each classification and what differentiates each one.

Luxury Plus Size Designers

Yes! They do exist! Goods that are of a higher quality and a respective higher price point are the fashion leaders within plus size. Designers such as:

* Anna Scholz
* Cinzia Rocca
* Elena Miro
* Lafayette 148
* Marina Rinaldi
* Peggy Lutz

Are oftentimes carried in either specialty boutiques, specialty department stores such as Saks and Neiman Marcus command, at minimum, a $250 starting point. Expect the finest fabrics, usually imported from overseas, naturally a more conservative cut, with the exception of Anna Scholz and Elena Miro (the only plus size designer to continually show during Milan Fashion Week), impeccably tailored, fully lined, natural fabrics, with exclusivity in feel and wear.

Contemporary Plus Size Designers

Mirroring the contemporary collections represented in Nordstrom, Bloomingdales, and Saks, contemporary plus size fashion offers the fashion forward plus size woman options tailored to her curves at a moderate price point. These designers such as:

* Amanda Uprichard
* David Meister
* Igigi
* Jibri
* Melissa Masse
* Monif C.
* Svoboda

Are often the thoughts leaders, innovators, and risk takers within the plus size fashion segments, as they continually challenge the status quo or the norm in what fashion should be for the discerning plus size woman. This segment’s prices usually range from the low $100’s and can command up to $500 for more specialty pieces. Quality in these fabrics are only a sidestep lower than their luxury counterparts, introducing innovative blends in fabrics, specific silhouettes inspired by the designer’s artistic inspiration, and, like its luxury designers, have more intricate detailing.

Plus Size Fast Fashion Designers

In the light of Forever 21’s counterfeit lawsuits, fast fashion has received a tarnished image although fast fashion provides an amiable compliment to its contemporary counterparts. Popular designers in this segment include:

* Torrid
* Faith 21
* Ashley Stewart
* Lane Bryant
* Evans

With the ability to mass produce up-to-the-minute trends and incredulously low price points, fast fashion provides edgy, often directly inspired from design houses, looks that range from as low as a $10 price point up to a $150 price tag. In order to deliver the trends to the market quickly, the quality, can, at times, be inferior to the luxury and contemporary designers. Expect polyester blends, wool blends, single stitched garments, either a looser silhouette or a variety of shapes that vary from garment to garment. To be worn for the moment, the lifespan of these fast fashion fashions are intended to last for the current season.

Discount Plus Size Designers

Challenging and changing the fashion climate over the last year, discount leaders have created strategic partnerships with Contemporary Designers to bring affordable fashions to the masses. Retailers such as:

* Old Navy
* Wal-Mart
* Target

Have collaborated with the likes of Norma Kamali, Just My Size, Pure Energy, and others to bring quality fashion at an affordable retail price. Discount leaders have allowed women an introduction into fashion options rarely seen and experienced. Discount designers serve as an introduction as well as dispel the notion of plus size fashion not being available. Each segment both provides and serves its purpose for the 60% of us plus size women in the ever diversifying industry of plus size fashion. It is important about knowing the differences in these segments so that you know what to expect when shopping a particular designer or retailer. Learning the difference affords you the ease of a headache or frustration when shopping to put your best curve forward.

Driving Under the Influence for Minors in Texas

As driving schools throughout Texas are doing their best to highlight; the Lone Star State does have issues with drunk driving. For the past several years, Texas has led the country in drunken driving fatalities. Texas is also the only state in the country to consistently clear 1,000 fatalities (1,235 in 2009, 1,258 in 2010, and 1270 in 2011). These statistics aren’t even including alcohol related injury and property damage, which are numbers that climb even higher.

The truth that must be confronted is that Texas has a clear problem with intoxication and driving. Driving schools continue to teach and inform the gravity of the ever increasing drunk driving penalties. Good habits begin in driving school and stretch into the future, as roughly 15% of drunken driving fatalities are due to the impairment of a driver under 21 years old (the legal drinking limit). Harsher laws have been developed in an attempt to curb the increasing mortalities; laws that can severely debilitate a young driver’s financial and driving independence. The following is a rundown of some of the underage drinking and driving laws in Texas, and how those laws can make things harder for a minor who runs the risk and is caught.

Zero Tolerance
Firstly, Texas is a Zero Tolerance state. This means that if a minor who is pulled over under suspicion is found to have ANY DETECTABLE amount of alcohol in their system, they have immediately committed a DUIA (Driving Under the Influence of Alcohol) crime; even if their BAC is under the legal limit. As a minor, they should have no contact with alcohol to begin with, thus driving while drinking any amount is that much more serious.

The Test
When pulled over, the minor will be asked to submit to a breathalyzer test to check their BAC. Once again, if any BAC level is blown, the minor will be charged. However, refusing the test could be much worse. Refusing the breathalyzer, blood test, or field sobriety test will result in IMMEDIATE license suspension for a minimum of 120 days, with suspension increasing for a second and third offense. On top of the suspension, the minor can be placed in jail and held until bond is made or they appear before a magistrate of Juvenile Court.

The penalties themselves are very much reliant on oh the judge’s discretion, though there are definite benchmarks of minimum and maximum. The givens laws for DUIA offenses are:

1st Offense DUIA – Class C misdemeanor with up to a $500.00 fine and between 20-40 hours community service. Driver’s license can be suspended for up to a full year, and completion of an Alcohol Awareness Course at driving school is required. If the minor is under 18, their parent may be required to take the course as well.

2nd Offense DUIA – Class C misdemeanor with up to a $500.00 fine and between 40-60 hours community service. License suspension for up to a full year as well as the Alcohol Awareness Course is required.

3rd Offense DUIA – If the driver is under 17, the DUIA is filed as “Delinquent Conduct.” Punishment is up to a $500.00 fine and between 40-60 hours community service. License will be suspended until the minor is 19 years or older

– If the minor is 17 years or older, the DUIA is a class B misdemeanor that carries a fine of at least $500.00 up to $2,000.00, 40-60 hours community service, and up to 180 days in jail.

The trouble simply is not worth the risk. Thousands of adults and children meet their end each year due to a preventable drunken driving accident. These laws are in place to deter and prevent fatalities so that we can begin to chip away at these regrettable statistics. For more information, contact your local driving school. And remember, Zero Tolerance.

Summer Fashion – Shop For Eyeglasses

When it comes to summer, everybody is unwilling to be lagged behind the vogue. Apart from getting in clothes and accessory of the latest trend, other apparel such as eyeglasses should not be ignored by fashion lovers.

What we have to get to know is where and how to shop for a pair of most suitable glasses. There are two options to choose: online and offline buying. Although online shopping has become increasingly popular, some people still like to do shopping in real stores. However, some specific products, eyeglasses for example, will also urge customers to shop offline. The reasons for people go to local optical store are varied: some enjoy the feeling of putting the glasses on, while some may pay more attention to the convenience of the after-sale service. And there is no exception that these two reasons combined will affect people’s decision more.

But why the number of people who purchase the fashion glasses online has never been seemed to fall? The reasons also can be explained in the following two reasons: the cheap price of online items is the biggest contributory cause to persuade people to buy online, in addition, the comfortable and thrilling experience of online surfing make shopping online easy and convenient. Especially the majority of online stores are secure guaranteed. There are plenty of reputable online optical stores such as eyebuydirect, goggle4u and glassesshop. You can pick whatever types of eyeglasses and enjoy the fantastic and fashionable look.

Generally, virtual try-on or eye doctor service is offered online, therefore, you don’t have to worry about whether the eyewear will fit for you. Such a magic experience will surely provide you unique shopping experience. Are you going to rock the summer fashion?

The 2011 Outlook for the Gold Coast Commercial Construction Industry

The nature of the Gold Coast construction industry is very cyclical and most projects last for 6-12months. Which means successful construction companies need to constantly find new work and build long lasting relationships with valued clients.

In South East Queensland, Brisbane and the Gold Coast continues to provide the bulk of work for medium sized construction companies. In 2010, the majority of works has tended to be the redevelopment of State Schools under the Federal Government’s BER Scheme.

Performance of the Gold Coast Commercial Construction Industry

Australian Government statistics shows how the Gold Coast construction industry has performed over the past 2 years. In 2008/09, the Queensland construction market grew by 8.1%. In 2009/10, the prediction was for a decline of 5.1%, and for this year, 2010/11, the prediction is for a further decline of 2.0%.

The residential markets have been worst hit but a recovery in mid 2010 was expected with a growth of 15.0%. Non residential markets for the 2009-10 year had a 7% increase mainly due to the Governments stimulus package.

The only real growth area was major Civil and Engineering work but this is expected to fall away in the 2010-2011 year. Even though the residential sector has been hard hit, it still represents approximately 45% of ongoing work. Hospital and Health projects were next with 36 % of total works and Educational upgrades accounted for approximately 2% of new projects.

Growth areas for Gold Coast Construction Companies

Looking at the work by area,shows Brisbane has 41%, the Sunshine Coast, Wide Bay, South West and Northern each with approximately 10% and the rest spread evenly over the State. As a rule when Government work falls off, private enterprise generally starts to pick up. This is slowly happening and a lot more projects are ready to start early 2011. The banks play an important role in determining which of these projects go ahead.