Fiber Optic or Wireless – What is best

What Is Fiber Optics Network?

Fiber optic can be regarded as an internet connection technology which is made of optic cables containing thin glass or plastic strands which enable the transmission of digital information in form of light pulses over a long distance with no form of limitation or interference. In essence, this system converts data e.g. text, emails, images, etc. into light pulses which then moves through the cable, from the sender to the receiver. Upon reaching its destination, it is converted back to its original state.  As already mentioned, fiber optic cables are made up of strands of plastic or glass which are considered to be as thin as strands of human hair. These strands are what we refer to as “optical fibers”. Typically, optical fibers consist of a core which is surrounded by a transparent cladding material which has a low refraction index.

Pros of Fiber Optic Network System

  1. Unlimited bandwidth
  2. Long distance signal transmission
  3. Light weight
  4. Transmission security
  5. Better connectivity
  6. Low attenuation

Cons of Wireless Network System

  1. Fiber interface is costly
  2. Physical connection is required
  3. Fiber wires are delicate and are prone to damages which can cause a break in transmission

 

What Is A Wireless Network System?

As its name implies, a wireless network is “wireless”, i.e. transmission of data is done without the use of wires. This network is set up by utilizing frequency generated from radio signals to establish communication among computers or other devices and is often called WLAN. A wireless network first converts data into electromagnetic waves before broadcasting; and instead of utilizing telephone networks or cables for transmission, wireless network makes use of microwave signals. Wireless network is also called fixed wireless as it simply allows data to be transmitted from one fixed point to another.

Pros of Wireless Network System

  1. Increased mobility
  2. Wireless security and scalability
  3. Cost effectiveness
  4. Useful for difficult-to-wire areas

Cons of Wireless Network System

  1. Prone to security breach which can lead to data theft and unwanted intrusion
  2. Limited bandwidth
  3. Users have to stay closer to the network source

 

Fiber Optic vs Wireless

Having considered the basic idea behind fiber optic and wireless networking systems, a comparison of both systems shall now be attempted based on certain highlighted factors.

  1. Speed

Theoretically, it is often stated that wireless network has the ability to transmit data at a speed as fast as that of the optical fiber. However, what obtains in practice clearly reveals that data gets transmitted faster through a fiber optic cable than through a wireless network. The disparity in speed through these two networks becomes highly pronounced when wireless network gets congested. This congestion affects all the connected devices since they share one network and possess the same bandwidth.    It is however a different case for optical fiber as it has unlimited bandwidth and transmits messages faster than WLAN.

  1. Bandwidth

This is another factor that highlights the differences between fibre optic and wireless network. Bandwidth simply indicates the rate at which data can be transmitted from a website to your computer within a particular period of time (data rate of gigabits  per second). Fiber-optic cables have proven to be supporters of high-quality bandwidth. Fiber optic bandwidth is mostly deemed to be unlimited.

On the other hand, since a wireless system transmits its signal through free space and not a medium (such as optical fiber), its operation is largely limited by segments on frequency spectrum which are generally fixed and need licensing for each application. Although this is done with the aim of eradicating signal interference from devices within the same location and frequency, it imposes a sort of limitation on the bandwidth of a wireless system. This limit has a direct effect on the amount of data transferable at any period in time.

  1. Latency

Latency is also referred to as “ping time”. It connotes the duration within which a command is received and the time when the reply is sent. This is another feature which makes fiber optic more desirable than wireless network because as distance increases, fiber optic latency rate also increases. Thus, if the duration for a wireless network’s ping time is 5.4 microseconds, fiber optic rate will be pegged at 8.01 microseconds/mile. The reason for this faster ping time is not farfetched. Light is able to transmit data faster than radio microwave as it does not experience the different interferences which makes microwave signals bounce around before it reaches its destination.

  1.  Distance

The farther a user moves from a wireless broadcast station, the weaker the signal becomes. This simply means that signal on wireless network decreases with distance. On the other hand, signals on a fiber optic remains clear over a wider range of distance. Thus, user A at point A has the same frequency of signal as user B at point Z even if they are several miles apart.

  1. Infrastructure

Infrastructures for wireless networking are mostly installed in discrete places and line-of-sight (LOS) paths are clearly mapped out to ensure easy propagation of microwaves to them through the atmosphere. They are often found in simple locations and can be easily assessed for maintenance purposes. On the other hand, the infrastructures of fibre networking system are majorly distributed from one strategic location to another with fibre-optic cables installed in these specific locations.

  1. Reliability

As long as your device remains connected to fiber optic, fiber utilizes an unadulterated Ethernet connection to transmit to your Internet Service Provider. You do not need a “middleman” to establish a secure and stable connection. As a result of the direct connection and transmission, service becomes more stable and reliable on a fiber optic network as causes of intermediary equipment problems and particularly downtime have been eliminated. As a result, the signal of fiber optic internet connection remains consistent.

In conclusion, although wireless network has quite a number of advantages, fiber optic remains a better alternative in most situations as its pros far outweighs its cons.

The 5 Best Drinks to Beat the Summer Heat

The hot weather is at its peak and we are all melting under the shining sun. In these summer times, we would give anything for a cool, refreshing drink to cool us off. However, many times the cold drink that we opt for ends up increasing our thirst, instead of quenching it. Would you like to have something that really satisfies your inner desire and gives you that refreshed, rejuvenated feel in the hot weather? Well, here are 5 drinks that are a must have during this hot season. Not only do they quench your thirst, but they also calm down your body and refresh your mind in a jiffy!

Melon it up

Melons and watermelons are the highlights of the hot season. Delve into a deliciously refreshing juice made by blending melon into a watery consistency and then chilling it for that extra cold feel. The vitamin C and water content of these fruits act as instant detoxifiers and refresh your body and mind in an instant. Try it as an amazing refresher any day!

Cucumber mint

This drink is one of the easiest refreshments to make. All you need to do is add a couple of slices of cucumber to a glass of chilled water and some mint leaves. Serve ice cold to relieve the stress and warmth of the day. It is one of the ideal drinks as it is high in both detoxifying and hydrating property.

Iced sun tea

Want to claim the benefits of the sun? Make your tea using nothing but the heat of the day for an all-natural super drink. Simply add about 14 green tea bags to a gallon of water with some lemon and mint. Let it stay in the sun for 3-4 hours or as long as it to get to how strong you like your tea. Chill the beverage and enjoy your delicious iced sun tea!

Coconut water

One of the best and tastiest drinks in the summer is coconut water. It is refreshing and full of electrolytes which help replenish these important constituents of your blood. A lot of salts are lost in sweating, but coconut water helps deliver them to your body, preventing dehydration and helping refresh your mind and body.

Ginger drink

It may seem a bit spicy, but a cold ginger drink can actually help you cool down on a hot day. It has a number of antioxidants and detoxifying agents that help the body clear out harmful toxins and normalize the temperature. Even the spice can help your body decrease the thirst!

All of these drinks are some of the must haves in summer. They help to cool you down and also provide some important nutrients that refresh your body in an instant. So, this summer, opt for these refreshments instead of something with a temporary effect. Your body will thank you for it.

Places to visit in Denmark

Remember the times when we are sad and think about going to a happy place where we could just forget all our worries? Well, according to the UN’s World Happiness Report for 2016, you know which country has officially been declared as the happiest country on Earth? It’s Denmark. I guess now you know where to go to find a happy place. Denmark is one of the countries which is full of its own life. From having strong social support systems, beautiful places, low corruption figures, high personal freedom, this country is one of its own kind.

Talking about beautiful places, Denmark has wide variety of beautiful landscapes. Here is a list of some amazing places which you simply can’t miss while you plan on to visit Denmark. Have a look.

Raabjerg Mile:
What is the most beautiful thing about a place? It’s the history it holds. Raabjerg Mile is an impressive scenery of a migrating dune which was formed in the 16th century on the west coast. It got formed because of a great drift of sand. This dune moves at a rate of 15 metres a year towards east. The beauty of this dune is, first, it reflects history, second, it’s just too beautiful to watch. Go there at the time of sunrise or sunset and get amazed by the enthralling view it’s going to give you. It’s going to be one of the best feelings, just seeing there and seeing the enormous view.

Skagen:
If you are planning to go to Denmark, make sure you don’t leave a place behind. Plan on to travel to the very tip of Denmark and you will find the beautiful village of Skagen. It’s a 700 year old (not even kidding) fishing village enriched with its culinary and cultural history. This place is perfect for both relaxation and contemplation. In order to further explore Skagen, a few hundred metres of north, there is a place named, Grenen, which is a combination of two seas, Kattegat and Skagerrak. This beautiful place where two seas are colliding is worth the travel you are going to have for it. You know, there are very few places where you get a chance to see two seas colliding. Skagen is one of them. So, this place is a must while visiting Denmark.

Rold Skov Forest:
The Rold Scov Forest is not only the largest forest of Denmark, but is also a seven league forest with beautiful phenomena of natural places. From Troldeskov (the Troll Fores) having beautiful troll trees to amazing freshwater springs. This is one of the forests which is going to leave you speechless with the enormous beauty that it holds and with so many amazing sites it is going to offer you.

Moaning Bay (Jammerbugten):
If you really want to make your friends jealous what they are missing out for not coming to Denmark, go to Moaning Bay and send them the picture of this place. It’s one of the most amazing places to spend your holidays. You will find Denmark’s largest amusement park named Farup Sommer land here, and of course the beach where number of events take place. It’s up to you what you want to do, whether it’s hiking or mountain bike, with the beautiful view you will be surrounded with, you will love everything there even if you are not doing anything and just sitting.

Denmark is a safe place to travel

Denmark has a very low crime rate and is generally a safe place to travel. But be aware that petty crime like pickpocketing is also happening in Denmark. Driving in Denmark is also safe and the traffic rules are largely the same as in the rest of Europe. Read more on these websites:

 

 

Tips to Stay Stylish and Comfortable this summer

Summer always presents a whole new fashion challenge. From wardrobe to makeup to hair problems, there are many things that can go amiss. Your style can suffer at the very last moment, but there are always ways you can fix them. However, the best part is to use those tips and tricks that will require minimum effort and will last the longest. Here are some fashion tips for summer that will help you stay stylish and hot this summer season!

Chose the fabric wisely

We all know it’s hot and like it or not, your body will sweat! Many high end fashion brands produce clothes that are poly-mixtures and not breathable at all. Many hold on to stains and look bad at the wrong time. To avoid all of this, opt for fabrics like cotton, Pima and supima. These fabrics allow for ventilation, are light and quickly air dry so that no sweat stains are visible. Plus, you will feel much cooler in these fabrics and be able to tolerate the heat well.

Shoes

It’s always best to opt for flat open toed shoes. You know that you will sweat and heels can become slippery and uncomfortable. Often the feet will simply slide and could end up in a fall. The best way to avoid it and also keep your feet aired and happy is by wearing open toed, flat, sandals or slippers. It’s summer after all!

Airy bottoms

Cargo shorts, wide legged pants, flared skirts and mini dresses are all the rage this summer. One reason is that they are extremely comfortable. The wider area allows the air to circulate and gives that relaxing feel that you crave in hot weather. Plus, it also looks very trendy and is one of the fashion statements at the moment. Why not opt for fashion that is stylish as well as comfortable, right?

Hats are your friends

The sun is out and blazing and this can tell on your face. Plus, most of the time, the direct heat causes the temperature of your body to increase to set off a stream of sweat. Large hats are in fashion and it’s the best time to take advantage of these iconic pieces to add some protection and style to your summer outfit. You can add some light embellishments on these hats to add flavor too. We are in love with these flappy head pieces and if you ask us, the bigger, and the better!

All these summer tips and tricks will help you survive the hot heat of the summer this season. Embrace these tips to stand out and live the fashion life comfortably. After all, fashion isn’t just about what looks good. It’s about what’s comfortable and stylish at the same time. Alter your fashion game to make it more summer oriented and enjoy the summer sun to the utmost!

Exploring the six most enchanting coastal towns in Axarquia

In many ways, the undeveloped nature of Axarquia is central to the appeal of this region on the southern tip of mainland Spain. Overflowing with rugged coastline and historical culture, it is also known for being a fascinating encounter where coastal towns are one of the true highlights on every visit. In the mountains there are charming towns like Competa and other “White Towns”. At the same time, there are many coastal towns in the region which can make the planning process a little tricky and so the following are the best coastal towns in Axarquia which should feature on every travel itinerary:

Six enchanting coastal towns to visit in Axarquia

  1. Benajarafe

This charming little coastal town is located just 45 kilometers from the center of Malaga and is a nice example of a quaint town in Spain. Although this town is known as a rather sleepy in the winter months, it  comes alive during the summer and features a long stretch of beach with watersports in the summer and white powdered sands. Along the seafront, there are also many tapas bars available for a bite to eat while inland from the town, the mountains offer a fast escape route from the tourist crowds which frequent the beach. It must also be noted that this mountainous region is worth the visit, for well marked hiking trails and beautiful surroundings offer the perfect excuse to get active.

  1. Torre Del Mar

Located just 28 kilometres from Malaga lies one of the most popular coastal resorts in the whole of Axarquia.  Torre del Mar is a major tourist hotspot, mainly due to its all-year-round warm climate, so it can get quite busy.  However, this is far from being a downside as the happy tourists create an excellent and vibrant atmosphere.  Along the beachfront, there are many bars, restaurants, nightclubs, and supermarkets which ensure there are more than enough reasons to enjoy an extended stay in this particular town. Furthermore, Torre del Mar also holds some historical significance as this town was believed to be part of an ancient Greek settlement called Manake, and while this is still to be confirmed, the remnants suggest this could easily be true.

  1. Algarrobo

If you really want to step back in time and feel part of the local history, Algarrobo offers arguably the most unique experience amongst any of the coastal towns.  Set in the picturesque mountain regions of Axarquia, Algarrobo is a charming little whitewashed village that still retains an old Moorish charm.  The village is situated 3 kilometres from Torre de Mar is the ideal location for some rest and relaxation without being too far from the main attractions and places to see. Another highlight in town is the beach which also happens to be lined with restaurants and local bars for entertainment. And then there is the Route of Sun and Wine which begins in Algarrobo, a famous driving route which takes visitors through the local vineyards in Axarquia before ending in the coastal town of Nerja.

  1. Torrox

Torres is another quiet, peaceful, coastal town which offers an authentic insight into the life of locals. Located just a few kilometres inland and less than twenty minutes drive to the nearest town, Nerja, Torrox too has retained much of the Moorish appearance and culture.  With whitewashed houses and narrow streets, it hosts a sensational view of the coast while once upon a time it was also home to a Moorish castle which was sadly destroyed quite some time ago.  There is however an 18th century hospital and a 19th century sugar factory which are still standing and open for tourists.  One special event that’s hosted here each year is the Festival of Migas where thousands of visitors get together to eat migas, drink wine, and dance the night away.

  1. Nerja

Surrounded by the awe inspiring Sierra Almijara mountain range, Nerja is one on the main popular tourist locations of Axarquia and a must-have stop when planning any travel itinerary in Spain.  This coastal town is often referred to as the “Jewel of the Costa del Sol”, and is located around a half an hour drive from Granada.  Boasting some the best beaches in the area, including the very popular Burriana Beach, Nerja is a great place to visit as part of your trip.  The old part of town is still very much traditional with narrow streets, wrought iron terraces, and whitewashed houses.  Some visitors enjoy hiring a horse-drawn carriage to take them through the town for a truly magical experience.  With shops and restaurants a plenty, there is certainly something for everyone in Nerja.

  1. Rincon de la Victoria

Located in the southwest of Axarquia, just 12 kilometres east of Malaga, this peaceful little fishing village is a great place to soak up some of the culture on offer in southern Spain.  It is also a very laid back town, with several cultural monuments worth exploring, including the Casa Fuerte (Fort) which dates back to 1733 and has now been transformed into both an art gallery and a concert hall.  There are no shortage of shops, restaurants and bars to enjoy in this pretty village either. Furthermore, the Cuerva del Tesoro (Treasure Cave) is situated just outside the village that boasts a series of caverns packed with wonderous stalactites, stalagmites, Palaeolithic paintings, and underground pools for all to see.

Of course these are just a few of the best coastal towns in Axarquia and for the most part, you should find many more while traveling throughout this region.  In fact, this is often the best thing about travel in Axarquia in that the unexpected is often the most underrated and the very same can be said for the coastal towns. Whatever your reasons for wanting to get away, whether it be to relax, to learn about the culture of southern Spain, or just to have some fun, you can be certain that the coastal towns of Axarquia are just as memorable as the scenery in this beautiful part of the world.

 

How to Secure a Private Apartment

home-securityIn an open society your apartment should be the sanctuary for you and your family. Your apartment is the only environment where you have control over who can get close to you or your family. Protecting your apartment and family from criminal intrusion should be high on your list of priorities. But before you make a big purchase on a security system, take a good hard look around your home. A few simple, low- or no-cost measures will significantly deter thief away from targeting your home. “The goal in home security is to make it so that the casual burglar will be deterred”.

HOLD A HOUSEHOLD MEETING

Make home security a habit, with every member of the household—including kids—agreeing to a routine that should include such simple rules as:

  • Use door and window locks. It costs nothing and takes little energy. Make it a habit to lock every door and window when leaving, after entering, and before bedtime.
  • Do not open the door to uninvited or unwelcome visitors.
  • Close and lock the garage door.
  • Secure your home even if you’re doing work around the house and yard.
  • Use your alarm system all the time, even when you take a quick trip to the store or visit next-door neighbors.

cctv

INSTALLATION OF CCTV CAMERA

Having a security camera can be a deterrent for burglars and other intruders. Some of them are bold enough to try to enter the house when you are home while others lurk around and wait for you to leave. Having a security camera is a way to keep them away from your home. If they are bold enough to enter the house anyway, the security cameras can help law enforcement identify the intruders and find them.

ORGANIZE A BURGLARY ALARM SYSTEM

Alarm systems definitely have a place in an apartment security plan and are effective, if used properly. The reason why alarms systems deter burglaries is because they increase the potential and fear of being captured and arrested by the police.  Apartment burglars will usually bypass a unit with visible alarm decals and will look for another property without such a decal. Some people, with alarm systems, feel that these signs and decals are unsightly and will not display them. The risk here is that an uninformed burglar might break a window or door and grab a few quick items before the police can respond. Also, don’t write your alarm passcode on or near the alarm keypad.

burglar alarmsAlarm systems need to be properly installed and maintained. All systems should have an audible horn or bell to be effective in case someone does break in. However, these audible alarms should be programmed to reset automatically after one minute. The criminal will get the message and will be long gone without your neighbors having to listen to your alarm siren for hours, until it is switched off. If you use a central station to monitor your alarm, make sure your response call list is up to date. You can also consider buying a GSM alarm. This will automatically alert you and the responders  However, if you have established and nurtured your neighborhood watch buddy system, you will experience a genuine concern by your neighbor. It is not unusual to have a neighbor wait for the police, allow them inside for an inspection, and secure the residence. A good neighbor can also call friends or relatives for you, if pre-authorized by you.

ADD FOREBODING SIGN

Post security-company signs or window stickers near all entryways—whether you have a security system or not. Maybe you have signs/stickers on hand from a previous contract with a security firm, or maybe you can get some from a friend. In addition, post a few warning like “Beware of Dog” signs in visible spots, say at the front of the house or on a gate to the backyard.

LIGHT UP THE OUTDOORS

home-security-lightingIf you don’t have them already, buy and install outdoor lighting with infrared motion sensors and install one near each point of entry. Replace any burned-out light bulbs and put your porch lights on timers. Find the best bulbs for outdoor uses.

CHECK WINDOWS

Are the window locks operable? If not, get them fixed or replace them. Also consider installing aftermarket window locks, which let you open the window a few inches while still keeping it secure. Another alternative is to use inexpensive window-break alarms

CONCLUSION

Be a Good Neighbor

Good neighbors should look out for each other. Get to know your neighbors on each side of your apartment and the three directly across from you. Invite them into your apartment, communicate often, and establish trust. Good neighbors will watch out for your apartment and vehicle when you are away, if you ask them. They can report suspicious activity to management, to the police, or to you while you are away. Between them, good neighbors can see to it that normal services continue in your absence by allowing authorized vendors to enter your apartment.

Good neighbors can pick up your mail, newspapers, handbills, and can inspect the inside of your apartment periodically to see that all is well. Allowing a neighbor or management to have a key solves the problem of hiding a key outside the door. Experienced burglars know how to look for hidden keys in planter boxes, under doormats, and above the ledge. Requiring a service vendor to contact your neighbor to gain access will send the message that someone is watching. This neighborhood watch technique sets up what is called ‘territoriality.’ This means that your neighbors will take ownership and responsibility for what occurs in your mini-neighborhood. This concept works great in apartment communities. This practice helps deter burglaries and other crimes in a big way. Of course for this to work, you must reciprocate and offer the same services.

The biggest difficulty getting to this level of oversight is taking the first step. You can take it by calling your local crime prevention unit at the police department. Most police departments in large cities have neighborhood watch coordinators to help you set this up. You should invite your adjacent neighbors over to your home for coffee and begin the information exchange. You’ll be amazed how the process runs on automatic from there.

Winter Tyres Tips

wintertiresAs the winter is knocking on your door, it’s time to dress your car with proper winter tyres so it won’t skid away on a snowy or icy road. Here are a few tips on how to choose and maintain winter tyres in order to get maximum efficiency.

Choosing winter tyres

If you are looking for new tyres, you’re about to drown in a sea full of brands, models and technologies, all promising utmost performance for the cold season to come. Let’s face it; tyres aren’t really cheap, so budget has a say in your choice. On the other hand, remember that a quality set of tyres should last around three years, in normal usage conditions. Thus, making a proper investment now will keep you worry free for the next two or three seasons.

Usually, brands like Continental, Dunlop and Michelin provide premium quality tyres that perform well on snow. They do, however, come at a premium price, depending on your wheels’ characteristics.

The rule of the thumb is that more expensive tyres usually perform better, so try to go as high as your budget allows and always choose products from a renowned producer. Don’t get fooled by Chinese or Turkish no-name brands providing cheap alternatives; they are likely to fail when you need them most.

Equipping winter tyres

Now that you’ve chosen a proper winter set for your vehicle, it’s time to put them on. Take your car to a local wheel shop to have them applied. Unless you acquired winter tyres along with rims, you do have to let a technician do the switch. Once the work’s done, make sure that the tyres are equipped according to their direction of rotation. Uni-directional tyres feature an arrow on the tyre sidewall indicating the mounting direction. Equipping them the other way around results in poor performance of the wheels.

There’s a common misconception regarding the pressure required in the tyre. Normally, each tyre producer offers a maximum and minimum pressure value that must be respected when inflating the tyre. During the summer, you should apply a pressure tending towards the upper value, however winter conditions require a lower tyre pressure. A lower pressure creates a larger contact patch resulting in better grip.Take care though not to achieve just minimum tyre pressure. But there are different opinions about that; certified wheel technician should provide accurate insight on the matter.

Final considerations

You have gotten to the point where your car is equipped and ready to overcome the snowy slopes and straights. Or, is it? Always before leaving for a drive on winter roads, remember that not even the best tyres can provide grip similar to dry conditions. It is up to you, the driver, to maintain a speed from which you can safely get the car to a complete halt. Furthermore, in some heavy-snow conditions, it may be required to use snow chains to improve grip even more.

 

A Guide to Car and Motor Insurance

motor-insuranceHuntington News will in a string of articles focus on insurances. Insurances are important to have if things go wrong. But at the same time the wrong insurance will be a waste of money and may be useless when you need it. Our first article will be on how to find the right auto insurance. This article is written for both our US and international readers. Insurances differ in some ways from country to country, so we will try to highlight these differences when they are relevant.

How to Shop for Motor Insurance

For the most ideal transaction, shop around. Obtain numerous car insurance quotes from varied insurance firms prior to you purchasing or renewing your policy. Insurance firms are different; therefore, you can obtain a better transaction elsewhere.

Avoid being scared of changing. You can change insurance firms any time you desire; even at the middle of your car insurance policy period. If you get an improved rate, change and save.

Three kinds of car insurance exist:

  • Third party, that caters for your legal liability in case you destroy another individual’s physical belongings such as (walls, cars, gates, etc.) because of a driving accident.
  • Third Party, Fire and Theft, presents third party cover and includes a couple of helpful sections of cover – fire damage to your vehicle and theft, as well as destruction caused by stealing or attempted stealing.
  • A totally comprehensive policy is inclusive of Third Party, Fire and Theft and shall additionally pay for destruction to your personal car in case of an accident. A lot of perks are available also; for instance, it shall also offer you cover when you drive vehicles belonging to other individuals. This is helpful if you borrow another person’s vehicle and you are not covered by their insurance.

The elements below have an impact on the payment you submit for your premiums

  1. Your work
  1. Your age
  1. Your driving record

The vehicle you drive: The more expensive the car, the higher the premium. Cars of top performance are also more costly to insure, compared to their stock standard counterparts.

Vehicle Location: You shall pay extra if you keep the vehicle in a location where crime is rife or park it at night on the street.

Purpose you utilize the car for: You will pay extra, for instance if you intend to utilize the car for business delivery intents.

The excess set-up you select: The more the excess, the less the premiums.

Satellite Tracking and Gear Locks: Shall assist to lower your premiums.

In case you are purchasing another vehicle, do not overlook to shop around for insurance!

For someone who is purchasing a vehicle for the first time, the procedure can be a hard decision. A lot of purchasers do not know that they should have insurance prior to driving their latest vehicle from the showroom floor.  The financial institutions offering the funds for the purchase shall be adamant about this so as to facilitate the safety of their latest asset.

auto-insuranceDo not simply give in to the initial offer presented to you; obtain a minimum of 3 quotes prior to reaching a decision. Sites like DurchblickerBilforsikring, Chill, and Money Supermarket provide insurance comparison services. But do not forget to contact insurers directly to get quotes from them too. But remember: ‘A lot of finance institutions or banks are associated with an insurance firm or brokerage company. So, new purchasers might experience pressure to obtain insurance cover via the supplier the bank prefers.’

It is vital to be aware that it is not possible to implement this and the client is the one who should decide. This makes it necessary to shop around for quotes that are competitive to make sure you are presented with the most ideal transaction; in regard to cover as well as cost.

‘This is mandatory for youthful drivers, since they are regularly fined for their age and absence of driving experience, leading to increased premiums and excesses.’

Cash purchases are not excluded from the requirement of insuring their latest car. Hijackings and thefts remain a reality and the increasing number of vehicles on the road places all drivers at increased danger of getting into an accident.

Selecting an insurance product which is appropriate in regard to value adds, budget and excess to be paid is a meticulous decision. With the correct advice, it can be made logically and safely.

A lot of youthful, first-time purchasers discover that buying insurance via a direct insurer is in reality, an easy procedure.

It is possible for them to attain a customized insurance solution which meets their particular requirements. Using direct insurance, extra charges are not paid by clients to obtain what they require.

Any driver on the verge of going to buy a new car would be advised to think of the direct insurance advantages, which entail saving time and cost.

Fall Fashion 2016

Fall is an absolutely ideal season for fashionistas to experiment with their fashion tastes and try new and bold trends. This is because fall is all about wearing different trends and trying on different colors. Fashionistas do not play it safe in fall when it comes to experimenting with color schemes, designs, trends etc. Unlike summers and winters, fall does not require you to carry either really summery or heavy clothes. The weather is moderate and therefore you can dress whatever way you want. This is a great perk when it comes to fashion in fall. This gives you the liberty to try different things and colors. Fall fashion this year is full of surprises and fresh trends. In our article today, we will look at some of our favorite fall trends for 2016.

Pumpkin Spice:

Brownish orange color is really trending high for fall fashion 2016. This color totally complements the season and goes with the vibe of it. Brownish orange looks great on all skin tones and complements every body type. From formal or casual clothing, pumpkin color – as we will like to nickname it – looks absolutely breathtaking. A lot of women usually wear colors like black, navy blue, burgundy etc. in this season. Therefore, this color is a breeze of fresh air and a unique touch to the season’s fashion feel.

Pumpkin SpicceSkirt Suits:

Pant suits for women made a lot of waves in the fashion world. They were the perfect corporate wear attire. However, for fall this year, skirt suit has taken the place for pant suits. Skirt suit consists of a three piece attire with a midi skirt, collar shirt (or any other type of shirt) and a blazer/coat, completed with a bow, tie or bow-tie or none. This look is perfect for formal get-togethers and corporate events. It looks effortless and sharp.

fall-fashion-2

Bohemian Chic

Boho fashion has been on top of the fashion charts for a lot of time now and it is not going away any time soon. Bohemian fashion has to do with flowy and feathery looks, floral prints, amazing cuts etc. Bohemian fashion is basically inspired from gypsies and hippies and looks really amazing. Boho fashion is also hot this fall 2016. Flowy skirts with floral printing and other intricate designs and unique cuts is trending. Bohemian fashion is not just restricted to clothing; it also looks great when it comes to hair, jewelry, shoes and even makeup.

Over-the-Ankle Boots:

When Kim Kardashian wears it, it is definitely a style statement already. Over-the-ankle boots are a big hit in the fashion world this fall. Mule heels and peep toed over-the-ankle boots looks especially chic and can be worn with jeans or even with shorts or a dress. Wear this hot trend this season and add a spark to your style quotient.

fall-fashion-3fall-fashion-4

 

 

 

 

 

 

 

 

 

Basic Leggings:

Yes, you are reading it right. Leggings too are a style statement this fall. You can pair a nice and comfy pair of black legging with absolutely anything. You can wear it with a crop-top, a duster coat, a denim jacket, a kimono, anything; the possibilities are endless.

fall-fashion-6

Unlicensed Travel Agents at Work

A standardized law that basically allows agents to sell travel insurance without having the need to flash a license has just been adopted by 31 states in the U.S., after five years of effort by the United States Travel Insurance Association (USTIA) and American Society of Travel Agents (ASTA) to simplify all state laws and regulations about the sale of travel insurance. This so-called standardized law is a model law adopted by the entire NAIC or National Association of Insurance Commissioners that aims to give unlicensed agents the right to do basic sale of travl insurance plans.

The most recent state to adopt the said law is Delaware. It was able to adopt the brand new law last summer, which was officially used on January 2015. The said law allows travel agents to offer insurance to eager travelers who desire to have a reliable travel insurance plan before they leave the country or their hometown.

In large part, through the said law, travel agents are given the opportunity, despite their lack of license, to provide generational information, collect premiums, and process applications filed by clients who want to purchase a reliable insurance plan. This tactic is entirely different from what the law states regarding the role of licensed insurance agents who get to do the following activities: sell, solicit, and negotiate.

In summary, the model law specifies that agents can sell travel insurance to their customers for as long as travel insurance company administrators commit to doing their jobs by ensuring that all of the unlicensed travel agents under its wing are trained to a certain extent. More importantly, administrators are also practically obliged to keep a list of their official agents that are allowed to sell insurance plans in an attempt to disseminate valuable information about travel insurances.

The Vice President and Deputy General Counsel for Allianz Global Assistance, Jack Zemp, had once confirmed that travel agents’ job do not, at all, entail any professional acts that can only be performed by a real insurance agent. Instead, it is a profession primarily focused on organizing quality trips and highlighting the role of travel insurance as an element of any type of trip worthy of purchase. ASTA’s senior, John Pittman, believes that even though unlicensed agents can enjoy a lot of time on their own, they still have to wait for the participation of the insurance provider whenever specific questions about the coverage of the travel insurance has been asked by a customer.

As of now, there are still nineteen states that are not yet adopting the model act of granting unlicensed travel agents the freedom to sell travel insurance plans. Because of this, the aforementioned model act shall not be applicable to any other locations outside the thirty one states any time soon. Thus, an agent has to have a license and retain that same license as he stays on a state where unlicensed travel agents are not allowed to sell anything. According to USTIA’s committee, all those who have purchased travel insurance from unlicensed agents basically have the same benefits as those who have acquired one through the help of licensed travel agents.

In countries such as Denmark car insurances (bilforsikringer), are mandatory. But trave insurances are not. This means that every year people who are not insured get to pay large amounts for treatment if they get injurued on their holiday.

Read more here:

Travel Weekly