Guide To Buying The Right Car Insurance In The UK

Buying and using a vehicle can make commuting, traveling easier and it also liberates you from the compulsion of using public transport. However, it is also necessary that you safeguard the vehicle bought from mishaps and theft by opting for car insurance. Choosing car insurance in the UK is seldom easy. There are so many entities offering car insurance plans and buyers get baffled.

Easing the process of car insurance selection

Whether you have bought a sedan or a luxury SUV, choosing the insurance for the vehicle should not make you jittery! You can simplify the process by opting for services of online insurance comparison and quote service providers. In these sites, you can check out the various vehicle insurance policies and assess and compare them properly. You may check out Money Expert’s car insurance comparison service in this regard.

Various types of car insurance coverage

Not all vehicle insurance policies offer same level of protection. The plans can be segregated into 3 types:

  • Third-party only-It is the basic coverage and covers damages when you collide with vehicle of another person or damage his/her property. However, it does not pay cost for repairing your vehicle.
  • Third Party, Fire & Theft- This type of insurance covers you from third-party related costs and also safeguards from mishaps like theft and fire. It also covers damages caused by theft attempts.
  • Comprehensive- This is the costliest car insurance plan type but it covers the vehicle from all sorts of damages and mishaps.

How to obtain the best car insurance quote online

To ensure you can find the best quote for vehicle insurance online, you need to provide details of the vehicle and personal information. These include:

  • Personal details like age, occupation and the driver’s license.
  • Vehicle Information like model and details including number plate.
  • Claim history for the last 5 years.

How to assess online vehicle insurance comparison and quote providers

You should check a few aspects when seeking service of web based vehicle insurance comparison service providers. First of all, you need to see if the service is being provided free or not. You also need to check the number of insurance companies covered by the online comparison agency.

Tips to obtain car insurance quotes that do not bleed your wallets

If you are not careful, you may have to pay more to get the vehicle insured. Utilize the following tips to obtain wallet friendly vehicle insurance quotes online:

  • You need to pay less to get the car insured when it has proper safety measures embedded. Safety measures like theft alarms and digital locks ensure you pay less amount of money in vehicle insurance.
  • Installing telematics device in the car may help you get lower quotes.
  • You have to pay less in car insurance if you pay annually.

There are a few factors that can impact online car insurance quotes. These include age, type of vehicle bought, gender of the applicant, medical conditions etc. Nevertheless, you can get the right quote by using Money Expert’s car insurance comparison service.

September 18, 2018 at 1:16 PM Leave a comment

The September Swago Board is here!

The digital rewards site Swagbucks is offering big payouts during on their September Swago Board, which runs from September 10th through September 17th at 9am PT! Swago is just like bingo, but in this case you’re filling out squares as you earn points on their site for doing things you already do online. If you’re thinking of trying Swagbucks, this is a great chance to learn all about how the site works and earn bonus points while doing it, meaning you can get more gift cards faster. Here are a few tips:

  • Each square on your Swago Board will contain an action item to complete. They can be anything from getting a search win, completing a survey, or just visiting one of our popular stores!
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have until 12pm PT/3pm ET on Monday, September 17th to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value. Once you’ve achieved a pattern, the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • Each activity you successfully complete on your Swago Board will give you anywhere from 1-20 spins on the Spin & Win Wheel. PLUS, when you submit your board for a bonus you’ll get additional spins. The number of spins will depend on the pattern you complete. The wheel has all sorts of great prizes that you can win, and each spin is a winner!

The Spin & Win Wheel will be available all throughout Swago and you have until 11:59pm PT on Monday, September 17th to use all your spins.

Fill up your board and then submit your pattern to get even more points – if you can fill in the whole board, you get a 500 SB bonus, which is enough for a $5 gift card from the retailer of your choice.

Click here right now and click “Join” to get started! If you don’t already have a Swagbucks account, you’ll be able to quickly sign up; PLUS, if you earn 300 SB before the first of October, you’ll get a bonus 300 SB!

September 7, 2018 at 3:34 PM Leave a comment

Get 300 bonus SB when you sign up for Swagbucks in September

All throughout September you can earn large bonuses when sign up as my referral on Swagbucks. Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching the web, watching videos, shopping, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Target, or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here’s how:

1. Sign up using this link

2. Earn 300 SB total before October 1st, 2018. You’ll get a 300 SB bonus for it!

3. That’s it. It’s super easy, and Swagbucks is for real. I cash out for PayPal almost every month. That’s $25 that I can use for anything I need or want.

September 6, 2018 at 5:03 PM Leave a comment

Become a Business Owner

Stop tossing around the idea of owning a business and take the leap. This is the year that success and fortune await those who aren’t afraid to make moves.  Why put it off another year when today is the best of your life? Men and women of all ages and educational backgrounds make great business owners. Your desire to succeed -and the willingness to make efforts to get that – are more important than anything. If you’re ready to take the step toward success and business ownership, don’t wait any longer.

Gain Independence as a Business Owner

More than 600,000 new businesses open every year.  Owners open these businesses for various reasons. Most cite the desire for independence and more control over their destiny as top reasons. And you do enjoy independance, control, and a plethora of extra benefits as a business owner. Business owners earn great money that goes into their bank account, not the  bosses. They call all the shots and ensure that business is good. And, it is easy to grow the company and expand operations. If you want to grow into a bigger better entity, it’s easy! Why make your boss rich when you can take the big chair and fill the position yourself?

Choosing a Business

Before you take the plunge, research the opportunities available for business owners. Understand your needs and desires for your business. Important questions to ask yourself include:

* What are my interests?

* What are my business goals?

* What are the start-up costs?

* What is the ROI?

* Online-only or brick-and-mortar location?

* Will you hire employees?

There are risks when you open a business, but that is what life is all about. If risks are never taken, you never know what could’ve been. That causes a pretty dull that likely leads to missing out on things that you should’ve experienced.   When you want to cut the risks that come when opening a business, a little research is all that you need. The Internet is always a click away. You’ll find an abundance of information about business opportunities on the web. Take advantage of the information and you’ll open your business with fewer risks.

Business Loans Offer Fast Cash

Starting a business requires money. Nothing in this world is free, especially when it is such a beneficial opportunity. Hopefully you have some of the money needed to start the business. The more money on-hand, the easier it is to get the business off the ground. Use a loan to supply the remaining amount. Personal and business loans are available. To apply for a business loan, you’ll need a business plan and a business identification number. The money you get from a loan can cover many different business expenses.

The Bottom Line

Many people dream of owning their own business. Are you one of these people? If so, it is time to take the necessary steps to become a business owner. Your hopes and dreams can come true but it is up to you to take the first step. What is holding you back from making moves?


August 30, 2018 at 11:22 PM Leave a comment

How to Be Financially Literate

The key to a life of contentment and stability is to acquire financial security. It is no secret that working hard and earning a consistent income are no longer enough to ensure you have a secure future. There are many aspects to personal finance, from budgeting, to avoiding and managing debt, to diversifying money and investing.

The list can go on. If you want to gain a solid financial footing, then acquiring the skills of financial literacy will give you the edge and the means to achieve that goal.

Being financially literate means you know what decisions to take today because many of them will make a huge difference 40 years down the road. It can be valuing your job and setting up a retirement plan. But more than that, you should be able to understand the consequences of your decisions and strive to avoid mistakes and navigate through the risks.

Here are some of the ways to help you become financially literate.

Acquire Ample Knowledge on Finances

Knowledge is one of the most important assets when it comes to financial literacy. Becoming more savvy about money and business will require sufficient know-how on the way the market runs and understanding the impact of every financial decision you make.

One way to do this is to seek the help of a financial advisor. But if you don’t want to shell out cash in exchange for insights, you can always educate yourself by reading. Your resources can range from the financial sections of newspapers and magazines as well as books that will boost your financial prowess. Read as much as you can.

Master the Financial Management Tools

If you want to have everything you need in one place, including your savings, checking, credit cards, and mortgage, then making use of financial management tools will help you manage your personal finances better. It can also help you improve your financial literacy.

Understand the Ways to Earn Money

There are many ways to earn money; four of them are through employment, self-employment, business, and investing. Ismael Wrixen of FE International likens it to a ladder since you can work your way up to being an investor. However, reaching that stage will involve enough resources and specialized knowledge if you want to succeed in that field.

Seek the Advice of the Expert

It is different when you get to talk with those who have ample knowledge on financial literacy. Taking advantage of your network and seeking their advice can go a long way. They may be your parents, relatives, friends, or even your boss, whose valuable knowledge and insights can guide you on your own journey to financial literacy.

Recognize the Danger of Theft

Most of your personal information should be guarded with care, even more so when it comes to finances. When some unsavory individuals get hold of your name, Social Security number, and credit card information, they can commit fraud and other crimes that will imperil not only your finances but also your record. Learn the ways to safeguard your personal information, and stay vigilant.

Invest in a Solid Team

In order to succeed in business, you will need to build and nurture relationships inside and outside of your company. These relationships are not just made up of your customers but also your own employees. You will need a solid and dependable team that can make sure that your organization is running smoothly. Here are some important tips to help you find and keep the people that are a perfect fit for your organizational goals.

  • Implement effective screenings and exams. Depending on the nature of your company operations and what tasks an employee will be handing, these assessments can include physical aptitude exams, substance abuse tests and others.
  • Maintain open communication lines. Because you are just starting out, you will need constant feedback from your team so you’ll know if you are in the right direction in terms of achieving your goals.
  • Create incentive schemes and other engagement programs. Loyal employees are a valuable asset to have so make sure you keep them motivated in their jobs

Startup businesses are full of potential risks and rewards. Always keep an open mind and be flexible so you’ll be able to tackle the different opportunities and threats existing in the rapidly shifting business landscape.

Learn the Ropes through Application

One of the most important skills you should have is being able to navigate around the world of financial matters. It’s not enough that you know. Start by creating your own budget, understanding how credit works, its necessity, and the ways you can improve your credit score, and setting up a checking or savings account is the best course.

You should test how you will fare when it comes to investing. You can do this by setting up your own business. Whether you are a graphic designer or a fashion aficionado, you can always start selling online to jump-start your business and let you practice what you have learned so far. Doing your business online is easier to operate and comes at a lesser cost.

Financial literacy should not be limited to those who have wealth. Ordinary people should make it an obligation to know more about financial matters. Simple money habits, grabbing investment opportunities, and understanding the market trends are life skills that won’t only make you financially literate but also secure your future.

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August 29, 2018 at 9:20 AM 1 comment

5 Ways to Find the Best Bath Towels

As a homeowner, you might have the feeling of upgrading a few areas in your home. This can include furniture, window treatment, and carpet or even you might see the need to replace the tiles. Perhaps your backyard is, and it needs a deck. Note that all these are great options and offer a better chance for a bit of DIY. However, one of the simplest, easiest, less-costly and also most satisfying ways to give one of your frequently used rooms in your home is replacing the set of bath towels.


Bath towels are the most important toiletry products that any homeowner must have. A bath towel is a multi-purpose piece of drapery that is used in various aspect every day. Typically, it comes with a width of 30 inches and a length of 60 inches. High-quality bath towels are made up of different fabrics, and they come in different sizes and shapes.

The work of a bath towel is to help you dry your body after taking a shower. Nevertheless, many people do not pay much attention to what type of towel they should choose for themselves. This is extremely surprising since a bath towel comes into contact with the most delicate and for this reason, it must be chosen with great care. The moment you start the process of searching for the best towel, you will come across numerous options. All the information you need is right here, the important this considers when looking for a bath towel.

Pay attention to the look and feel

Note that numerous things make up for a high-quality bath towel, and for this reason, you must understand what to look for in a good towel. The first thing you need to look at is the grams per square meter (GSM). This is the weight and quality of the bath towel and its density. Previously, you could be advised to pay attention at the thread count, but that can be deceiving because that is just an indicator of how tightly the fabric is woven and not the quality of the fabric. GSM can offer you a great idea of how the bath towel will feel, look and its rate of absorbency.


The levels of GSM – Grams per square Meter

In most cases, towels have a GSM that ranges between 300 and 900. This means that towels with lower GSM are thinner and lighter. A towel that has a GSM of between 300-400 does not make a high-quality bath towel, but it can be used in the kitchen or gym because it absorbs a small amount of water and dries up faster.

Towels that comes with GSM of between 400 and 600 will make a perfect choice for beach towels and bath towels since they have high absorbency. On the other hand, if you need towels of high GSM that ranges between 600 and 900, you will get the thickest and heaviest towels that have the highest absorbency. The only limitation of these towels is that they take a long time to dry.

The Types of fabric

This is yet another significant thing you need to consider when it comes to finding the best set of towels for your home. Currently, you can get towels manufactured from engineered fibers known as microfiber and other made from the cellulose of beech trees known as modal. You will also find towels made from hemp and bamboo.

However, when it comes to quality, feel, performance, durability, and appearance, your best choice should be towels made from 100% cotton. And among the numerous choices, you will have, the largest and excellent selections will be either Turkish, Egyptian or Pima cotton. While the Pima and Egyptian cotton have been dominating the market for a long time, consumers have started to shift to Turkish towels in the past few years. This is because the towels made from Turkish cotton are tight, flat weave, extremely soft and highest absorbency. Additionally, the Turkish cotton takes enough time and efforts to dry then another cotton. The towels are created with numerous colorful patterns and color that make them a preferred choice for establishing a colorful display in your room.


Check out on the production highlights

While Towel patois can be complex in a way, here are some of the common keywords you need to know.

  • Combed cotton: this involves brushing of the cotton to get rid of short fibers to make the fabric soft and enhance its durability.
  • Ring spun cotton: this is where both short and long fibers are firmly twisted to make the towel loops strong and smooth.
  • Twist: this describes how much the yarn of the loop is twisted. Note that a towel with a high twist tends to be more durable, but the one with a low twist increases the surface area, making the towel to be plusher and have a high absorbent.

Make sure you inspect the towel

Note that touching the towel to feel its texture might not help. This is because many manufacturers use fabric softeners to make the towels feel soft, but the coating will peel off after a couple of washes.  Instead, look at the edges to make sure that they are neatly folded and secured with close and safe stitching. This an indication of high-quality craftsmanship and it prevents fraying and assists in prolonging the lifespan of the bath towel.

Even though this is a matter of personal choice, it creates a huge difference. In case you need a super soft and highly absorbent towel, opt for 100% cotton with dense, plush loops of yarn on its surface. On the other hand, if you need a towel that can dry fast and more durable, you can go for a cotton-poly blend or a lighter fabric with shorter loops. Additionally, fluffy loops play a vital role in making the towel feel soft and absorb more water, but the only drawback is that they can take longer to dry.

August 19, 2018 at 1:20 PM Leave a comment

Book Review: Boy on the Beach

Book Description:

Andrew Foster, a real estate developer in San Diego, is a man suddenly haunted by his past. Memories, like specters from his former life of sex, drugs and rock and roll have come crashing into his current world of business in this sunny coastal city. The ominous, repeated appearance of a black SUV at the beach where he meets his sister each week, has triggered fears that it’s payback time for a bad choice he made years ago.

To add to his frustrations, his hopes of a big breakthrough in the San Diego real estate market haven’t come to pass. He’s starting to wonder if his visions of success will ever come true when an investor offers to finance his dream project. Soon things start to fall into place for Andrew in business, life, and even love. He starts dating the beautiful and business-savvy Nicole but even with her at his side he can’t seem to shake the ghosts of his past. As the relationship with Nicole deepens, Andrew opens up to her about the many loves and adventures that have taken him from the crazy days of living in Big Sur and Joshua Tree to business success in San Diego. Her wise insights help him face the character flaws that have caused him to fail in his past relationships.

Rounding out his social life is his once-a-week task of assisting his sister with her nanny job watching a young boy named Chandler. They build sand castles on the beach and enjoy the beauty of nature together. But the now ominous weekly appearance of a strange car at the beach has awakened Andrew’s fears. Is the boy in danger? Or worse, has an enemy from Andrew’s past come seeking revenge and now Chandler’s caught in the middle?

A strange twist of events threatens to destroy Andrew’s dreams, but as he searches for answers, a sudden revelation offers hope of a future he never imagined.

To follow the tour and read reviews, please visit R.D. Maddux’s page on iRead Book Tours.

Book Review:

From the very first chapter Boy on the Beach captured my attention and left me eager to read more. As readers we are introduced to Andrew, the main character of the novel, in the midst of a chase. Andrew revs his engine around steep cliffs, with little more than a woman and a bag of money on the back of his motorcycle. Where are they going? Where did the money come from? Who are they attempting to run from and what type of bloody scene did they witness earlier that day?

The story is told primarily from Andrew’s point of view and it winds back and forth between incidents that occurred thirty-seven years ago and those that are occurring right now, in present day.

The main character is a troubled man with recurrent nightmares of his past. At night the ominous events of his life unfold before him in terrifying ways. Andrew believes that the actions of his former life reign over him. He believes his current misfortunes are a result of his previous choices.

At times he wonders if a curse may have been cast on him. Other times he thinks happiness is simply unattainable as karma is forcing him to pay for prior indiscretions and betrayals.

The author weaves a tapestry of events that mesh the past together with those occurring in present day. While the book begins with that risky motorcycle chase it isn’t until one of the last few chapters that we find out just what Andrew and the girl on the back of the bike were running from.

Between the pages of this novel readers learn a lot about Andrew. I was intrigued by my own desire to learn about a character that is not endearing. If you are like me you won’t cheer for Andrew, but nonetheless you want to find out what happened to him in the past and what will happen from this point forward.

Best of all this book concludes with a surprise ending that wraps up the story in a neat little bow.

Watch the book trailer:
Meet the Author:

R.D. Maddux has story telling in his blood. Since he was young he’s always loved a good tale. He’s been writing seriously since he was in high school and college. His novels range from Mystery and Intrigue to Sci-fi/fantasy. With Boy On The Beach he’s set the story in modern America, to be exact, on the West Coast of California. He’s a native of the golden state and has been a resident of San Diego since 1987. Before that he grew up in northern California and lived in the Sacramento Valley and Bay Area with sojourns in some of the beautiful parts of our state.Living in California for over 60 years he couldn’t help but watch the way things have changed in our culture and the impact this coast makes on the rest of America and the world. So even though Boy On The Beach is fiction, like most serious novels, it is not without a context and comment on issues we all face in our changing world. It takes place in real locations that are very familiar to him and its characters, which are fictional, no doubt have their counterparts in the real world. Boy On The Beach is a story of intrigue, suspense, revenge, love and redemption with flashbacks to the era when sex, drugs and rock and roll set our culture on it’s inevitable journey to our present day. This idea has been rattling around in his heart and mind for a decade and it’s finally coming to the page.Connect with the author: Website ~ Twitter ~ Facebook ~ Instagram

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August 17, 2018 at 8:00 AM Leave a comment

Online Marketing Tips for Cleaning Companies


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You have built a great cleaning business, invested in the most advanced equipment and hired the most qualified team of cleaners available. Your only concern is the slow business and lack of growth in revenue. Like every other business, you need to advertise and market your business. In a world where almost half the population uses the internet in one way or the other, most businesses are starting to take online marketing seriously to grow their business and so should you.

In 2017, the internet influenced retails sales of up to $2.8 trillion and the figure will keep going higher. This goes to show just how much impact a well-crafted online marketing strategy can have on your cleaning business. Here are a few tips that will point you in the right direction and help you catch up with the competition.

Optimize your website

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Before you even start running your online marketing campaign, you need to be sure that your clients can find your cleaning company. One of the most reliable and effective ways to do this is by having a thorough, simple and straightforward website.

When a client is looking for a cleaning service, you want to them to choose you and your website should make it easy for the client to make that decision. Here are a few factors any good cleaning business website should have;

  • Information on the exact services that you offer (consider the type of cleaning; home or corporate, and frequency; once off or regular)
  • Discuss the packages in depth. You can cover more about each package in the subpages.
  • Make sure all the information on the website is accurate
  • Use images to show your clients what you can do for them
  • Let them know that all their transactions are safe and secure

Once you have optimized your website, you can now go full throttle on your online marketing campaign knowing that your clients will find all the information they need to hire you once they get to the website.

Make use of Social Media

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Your greatest online marketing tool should be social media. There are over 3 billion social media users and the number keeps growing. Platforms like Facebook understand their value and have different features that your business could take advantage of to get noticed more easily. One such feature is the Facebook Business Page. In most cases, business owners say they’re not sure what they would post on social media platforms. Here are some great ideas that will give you some traction and help improve engagement among your followers.

  • Photos – get great photos of your staff, before and after photos of places you recently cleaned (with the permission of the client of course), and even photos of your premises. Photos are a major tool for communication online and easily get a lot of attention. It is always a nice idea to make sure that you have an image in most of your posts.
  • Ask questions – question-style posts are a great way to encourage users to interact with your page by responding to questions. The questions should be easy and quick to answer and not take much of your reader’s time.
  • Respond to comments – the only thing social media users love more than interacting with great content is knowing that you care about them. You can show this by responding to comments. Even better, make sure you respond to the comments in a timely and appropriate manner.
  • Tips – You could also share some great tips on cleaning. You don’t need to share your trade secrets but little tips that could make the life of your readers easier. You can even do better by creating demo videos on different cleaning hacks.

When setting up your social media accounts, you should have a few things in mind;

  • Use a wide range of social media platforms
  • Include vital information like contact information and services offered
  • Expect some negative feedback and have an approach for unsatisfied customers

Once you have the business pages up and running, you can start by asking family, friends, and colleagues to like the page before you ask clients.

Search Engine Optimization (SEO)

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This might be a little more complicated than running a Facebook business page but, it is worth your time and effort. Other than social media, the other avenue that potential clients can use to find your business online is by searching for it on Google.

To make the most of Google searches, a good commercial cleaning company website needs to be as close to the top of the rankings as possible. Statistics show that more than 90% of people searching on Google never advance to the page two. To get your website on the first page will take dedication and some investment but, you need to focus your efforts on the following;

  • Optimize your website – start by optimizing your website for SEO. Start by making sure the website is responsive and can be used on different devices. You also need to improve the site loading speed and use quality images. When building content, make sure it is quality content that your readers would love to read and find it useful.
  • Keywords – you need to rank for some of the most commonly search terms related to cleaning businesses. While the search terms are many, you need to focus your energy on ranking for those that are mostly searched. There are different tools you can use like the Google Keyword Planner to help you get the most accurate information.
  • Paid ads – compared to organic listings, paid ads like Google Adwords don’t get as many clicks. However, they are a great funnel for your clients as you work on your organic listings which might take some time to take full effect.

It is practically impossible to discuss more on SEO and Google ranking without getting overly technical. However, understanding these two aspects and improving them can greatly improve your ranking and visibility online.

Get Online Reviews

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Even when marketing your business online, you need to build trust which will make it easier to land more clients. The best way to do this is to ask for reviews from your clients. It might feel uncomfortable to ask for the reviews but most clients leave a review when requested especially when you’re friendly and they are happy with the service.

Sometimes you might get negative reviews but you can easily bounce back by responding quickly and apologizing and effectively addressing the concern. You could even earn a few more clients by how you handle negative reviews.

The immense penetration of the internet has made it easier for cleaning businesses to reach out to their target audience and grow their revenue. However, with so many options, it is easy to get confused and jump on one too many marking options which might consequently lead to your downfall. With these tips, you’re guaranteed of having improved online interaction with your clients and funnel to your website where clients can directly hire you.

August 11, 2018 at 12:09 PM Leave a comment

A Woman’s Guide to Getting a Quote for Your Car Insurance

If you’re a woman who’s getting car insurance for the first time, it’s understandable if you think that this industry is somehow prejudiced against women. But a quick look at North Carolina car insurance quotes and quotes from other states seem to indicate the exact opposite. In North Carolina, car insurance companies are banned from considering gender as a factor when determining car insurance costs.

Factors Considered

Of course, gender isn’t the only factor that’s considered by car insurance companies. They take into account the particular car (year, make, model) you are driving. They check your driving record to see if you have a history of committing driving offenses.

They also check your credit history as it’s been shown that if you’re responsibly paying your credit card charges, you’re also a responsible driver. Your age is considered as well, since it’s well-known that young drivers need to accumulate experience, and the youth are more prone to irresponsible or even reckless behavior.

Why Women are Better Drivers

So what if there are more male driving champions than female champions? On the average roads, women as a group are safer drivers. Here are some reasons why:

  1. Women tend to go for family cars and safe rides. More men are prone to admire sports cars with powerful engines and great speed, which makes them more dangerous on the road. Women are less likely to buy a car that’s more expensive to insure.
  2. Men generally get involved in more accidents than women, while women are less likely to get into a car accident.
  3. Men get more DUIs.
  4. Men drive more miles, as women tend to engage in “joy riding” activities.
  5. Men accounted for 71% of all car accident-related deaths in 2012.
  6. In 2012, 23% of male drivers who got into fatal accidents were also speeding at the time of the accident. But only 14% of women who were involved in fatal crashes were speeding at the time.
  7. A larger percentage of women use their seatbelts, with 88% for women and 84% for men.
  8. In 2012, it was found that 38% of the fatally injured male drivers had a blood alcohol content of at least 0.8%. The percentage was just 20% for women.
  9. Many insurance companies have already figured out that men are more likely to commit moving violations.
  10. Men are more likely to cause deaths in car accidents.

It is true that young adult men are considered a dangerous demographic of them all. Once men go past 25 years of age, insurance companies begin to see them as more settled and mature, so they’re safer on the road. Still, at any age men are considered statistically more likely to practice unsafe or aggressive driving habits, and that’s why many insurance companies tend to charge more for male drivers.

Insurance is all about statistics and playing the odds, and it’s plain mathematics.


In many places, the fact that you’re a woman is a good thing if you’re looking for car insurance. While some states such as North Carolina, Hawaii, and Massachusetts don’t allow gender as a factor for auto insurance quotes, perhaps the time may come that it will be. If you’re a woman, it’s only fair!


Boris Dzhingarov graduated UNWE with major marketing. He writes for several sites online such as,, Boris is the founder of MonetaryLibrary and Cryptoext. You can connect with him at  Twitter, Linkedin.

August 7, 2018 at 9:10 AM Leave a comment

Moving to Edmonton? Here are 5 Neighborhoods to Consider

Unless you already know where you want to live, one of the most challenging parts of house-hunting is in deciding which neighborhoodx to pick. This is especially true when you’re browsing real estate listings in Edmonton as there are just too many great options available.

What makes things worse is that almost every real estate website will tell you a different thing. A quick search online will show you that every real estate authority will have a different list of the best neighborhoods. While this shouldn’t be too surprising since everyone has their own preferences, it can still be a bit annoying for a lot of home buyers as they can confuse you all the more.

So to help simplify your search, we’ve compared several lists and came up with five neighbourhoods that they all agree to be great places to live in. As every expert list has its own priorities and preferences, the fact that these places showed up in multiple lists means that they can offer a lot of great things.

Central McDougall

Located just north of the downtown core, this residential neighborhood offers proximity to a lot of things which makes it a very excellent choice for a neighborhood. It’s near libraries, public transportation, schools, and even hospitals. Practically everything is within reach, so it will be a convenient place to live in.

Real estate properties are also relatively low-priced in the area. This makes it an attractive option for young buyers and those who are on a tight budget but aren’t willing to live too far from the downtown area.


Sitting in the northwest portion of Edmonton is the neighbourhood of Woodcroft. It’s home to the Coronation Park, Westmount Centre, the Telus World of Science, and a branch of the Edmonton Public Library. It’s also unique as it’s composed of a combination of residential and light industrial properties.

This neighborhood has the essential amenities you’ll need to live comfortably. It has schools, recreational facilities, jobs, and other necessities that will make it a convenient place to live in. House prices are very friendly, too, so it can definitely be a great choice for a permanent neighborhood.


Being one of the oldest neighborhoods in Edmonton, it shouldn’t be too surprising that Oliver is also one of the most populated as well. It’s one of the most developed areas in the locale which gives it an interesting history and charm. It sits just west of the downtown core, so it’s also near everything.

However, a lot of Oliver’s residents are quite mobile. This means that if you want to know everyone near you, there’s a good chance that you’ll have a hard time doing so in this neighbourhood as they tend to move a lot.

Queen Mary Park

Originally a part of the Hudson Bay Company reserve, the Queen Mary Park is a residential neighborhood that is found just outside the downtown core. It’s made up of a primarily young community aged 29 to 40 which shouldn’t be too surprising as the area is also mostly occupied by renters.

Most properties in the area, however, are constructed in the 1950s. They’re quite affordable, so they’re still very attractive options to a lot of homebuyers.


As its name suggests, this neighborhood is found just west of the downtown core. Development started in 1910, and it catered primarily to young professionals of the era. Because of this, you can also find a lot of historical homes in the area, a lot of which are charming FourSquare or Craftsman style homes.

Hailed as one of the friendliest neighborhoods in Edmonton, it’s also home to a few charming shops and the beautiful Westmount Park.

These are just a few of the neighborhoods that experts recommend as the best neighborhoods in Edmonton. Check their listings out for yourself and you might just find an excellent property that you’d love to call home.


Boris Dzhingarov graduated UNWE with major marketing. He writes for several sites online such as,, Boris is the founder of MonetaryLibrary and Cryptoext. You can connect with him at  Twitter, Linkedin.

August 7, 2018 at 8:00 AM Leave a comment

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