Liability insurance is very important and most state auto insurance laws require that an individual maintain at least liability insurance on their automobile. What it does is protect you against costs that are associated with the damage and injury of another in an automobile accident in which you may be deemed at fault.

There are two parts to the policy. There is property damage liability and bodily injury liability. It is pretty easy to guess that property damage liability is going to protect you against any cost and damage that is associated with damaging another person’s physical property and that bodily injury liability is going to protect you against the personal injury inflicted on someone else as a result of the accident.

Usually, there are some numbers that a person may see on their policy. These numbers usually look like this: 50/100/25. Now what this means is that the policy is split up into three different amounts each policy can be different depending on what the individual chose when they opened the policy. In this case, 50/100/25 means that the insurance will pay for the bodily injury of an individual in an amount up to $50,000, will pay for the bodily injury costs on everyone in a vehicle in an amount up to $100,000, and will pay property damage costs up to $25,000.

Every vehicle requires its own level of liability insurance depending on what state you are located in. It is important to know what your state’s auto insurance requirements are so that you have an idea of what you would have to pay in your insurance premium.

The cost

Liability insurance is cheaper than full coverage insurance that also includes damages from theft, natural disaster, and vandalism. Liability only covers costs associated with an accident so that you do not lose your hard earned assets in a lawsuit. There are have been cases in which a person has been sued for more that what they have in coverage, but the liability insurance does lessen the blow. However, a person can pay for different levels of liability insurance to ensure that they will not be “taken for everything they’ve got.” Not having enough insurance can still have a heavy impact on a person’s life when an accident occurs.

No one intends on hurting another and they usually do not purposely engage in an auto accident because there is so much trouble involved, including the possible loss of the vehicle. That is why it is important to carefully assess how much car insurance you think you will need. Liability insurance is rather affordable. Some states have a minimum requirement of 20/40/10, but you could carry something such as a 50/100/50 if you think you need it. The cost is still not going to be much.

Just remember…

Don’t forget that if you set your limits too low you could be setting yourself up for financial disaster even though you have insurance. This is to be considered carefully. It is easy …

The company where I was working was taken over by a British multinational company in the mid 1990s. The newly appointed Managing Director from UK, during one of his visits to the plant, inquired how Gujarati people eat food at home. Having heard the response, he decided to sit down on the floor and have Gujarati food, along with all the senior colleagues of the plant.

What was the Managing Director trying to do? He was trying to appreciate the cultural norms of the new place and show his willingness to embrace. Such a behavior by the Managing Director obviously helped the local management open up more during subsequent discussions.

In the last 2 decades, cross-cultural challenges in the international business management have become prominent as the companies have started expanding across the territorial boundaries. Even leading management schools in India have started incorporating cross-cultural challenges as part of the curriculum of the international business management.

“Culture” being one of my interest areas, I recently had accepted an invitation to educate the students of a Diploma program on the International Business Management, on the topic of cross-cultural challenges. For my preparations, I browsed through many books on the subject. My knowledge-base got enriched substantially as the treasure of information contained in these books, was invaluable and highly relevant.

This article is an effort to present, some of the relevant issues related to the cross-cultural challenges in the International Business Management.

What is “Culture”?

Culture is the “acquired knowledge that people use to anticipate events and interpret experiences for generating acceptable social & professional behaviors. This knowledge forms values, creates attitudes and influences behaviors”. Culture is learned through experiences and shared by a large number of people in the society. Further, culture is transferred from one generation to another.

What are the core components of “Culture”?

  • Power distribution – Whether the members of the society follow the hierarchical approach or the egalitarian ideology?
  • Social relationships – Are people more individualistic or they believe in collectivism?
  • Environmental relationships – Do people exploit the environment for their socioeconomic purposes or do they strive to live in harmony with the surroundings?
  • Work patterns – Do people perform one task at a time or they take up multiple tasks at a time?
  • Uncertainty & social control – Whether the members of the society like to avoid uncertainty and be rule-bound or whether the members of the society are more relationship-based and like to deal with the uncertainties as & when they arise?

What are the critical issues that generally surface in cross-cultural teams?

  • Inadequate trust – For example, on one hand a Chinese manager wonders why his Indian teammates speak in Hindi in the office and on the other hand, his teammates argue that when the manager is not around, why they can’t speak in English?
  • Perception – For instance, people from advanced countries consider people from less-developed countries inferior or vice-versa.
  • Inaccurate biases – For example, “Japanese people make decisions in the group” or

Make Six Figures as a Personal Trainer and Have a Life

How much do top-of-the-line personal trainers make? Well, when I compare what I make as a personal trainer to the millions so many people on the Internet claim to be earning in the fitness industry, it feels like chump change. For example, I got a hard-sell automated e-mail message from a fitness marketer a while back, in which he claimed he’s a millionaire and that one of his friends is earning more than 150k–a month. I don’t make much more than that a year as a personal trainer so I know that such “success stories” can make you feel as though you’re heading down the wrong career path. So why pursue top-level training? Why should someone want to be a personal trainer and earn just 100K? Well the answer has nothing to do with money.

Don’t get me wrong; income’s important, but there are other things to consider, such as:

– What’s your take-home pay?

– How many hours do you work?

– Do you enjoy your job?

– Where are you headed, professionally?

– Are you the kind of person you want to be?

– Does your work fulfill or bore you?

These are the factors to weigh when deciding how much importance to place on how much you earn because they’re what being a top-level trainer is about. It has nothing to do with the income, because when you take all the factors into account, what this profession offers you is way more than just what the 100K represents.

Not that anything’s wrong with earning six-figures…After all, a $100,000 income has a certain cache and significance in America.

It signifies membership into the consumer society. You can now participate in and enjoy what people call the American dream and way of life. When you stop to think about it, our entire consumer society and marketing is devoted to these six figure earners. For example:

– You can afford payments on a Mercedes Benz.

– You can save enough to buy a home.

– You can afford to build a high-fashion wardrobe.

– You can take vacations to places to domestic resorts and abroad.

– You can afford to put away about 10% of your income each year.

Is all this superficial? Yeah, but if you can’t have or do these things, you’re going to feel left out, as though you’re one of the un-cool kids that can’t get into the party. But, consider the price of admission to that party. We get to feeling it’ll take millions of dollars to live a comfortable and appealing lifestyle. So, we wind up working for years

on end and sacrificing the best years of over lives and countless other things to get the kind of lives we want but wind up squandering much of them in that pursuit. We fail to realize is that just a simple plan to six figures in earnings would have got us there! I remember …

Trimming down and maintaining your ideal weight can be hideously difficult. From eating the right food to choosing the right exercise and everything in between, one may invariably forget one pertinent detail or make a mistake regarding their diet and end up 10 pounds overweight or with bulging biceps when all you really wanted was to tone your muscles.

While the fee that a personal trainer may charge may make your knees bulk, wait till you read and learn about the benefits of hiring one.

Accurate Fitness Evaluation. Let’s face it; a lot of us tend to over- or under-estimate our physical abilities and therefore end up with strained muscles and joints (which can lead to health problems) or a lax exercise regime (which lengthens the time enabling us to reach our fitness goals). However, with a personal trainer, your physical fitness will be accurately evaluated and you can be quite sure that whatever fitness program you end up with is the ideal one for you.

Motivation. It really is easier to exercise with someone around and a personal trainer is just the right person to have on your side if you have a fitness goal you’re sweating to attain. A personal trainer will know exactly when he has to act as a tough general, a great source of encouragement and inspiration or simply as a friend to talk to and listen to your personal health woes.

Customized Fitness Program. Contrary to popular opinion, there’s no such thing as an exercise or diet program that fits all. In short, what may work for others may not work for you and what may take others weeks to achieve may mean one year’s worth of effort in your part. But how will you be able to determine what fitness program is best for you unless you consult an expert?

Safety.A lot of accidents can happen during unsupervised exercises so having a personal trainer will ensure that you are using health club equipment the right way. Not only does this prevent serious physical injuries, it ensures that you get the most out of your exercise routines.

The Need for Change. Perhaps one of the things that hits even the most health-conscious individual is boredom! Sometimes, all that one needs is a little change in one’s exercise routine and with a personal trainer beside you, he or she can can come up with different exercise programs, all geared towards keeping you active and interested in going to the gym.

What to Look for in a Personal Trainer

So are you convinced now that a personal trainer is what you have been needing all this time? If so, following are some of the items you should look for in a personal trainer.

oEducation. Remember, you are relying on this individual to guide you in your fitness goals. As such, it is important that he or she is certified by reputable fitness organization such as ACSM or NSCA.

oExperience. It builds one’s trust and confidence …

Whenever we are looking for a particular bank product, we of course always want the best for ourselves. There are numerous services that banks offer. The following article intends to outline 10 of the principal services that banks offer and the reasons why we would want the best in each one … for ourselves!

Wanting the best for ourselves is especially true when we are looking for a means to entrust the safe keeping of our money. So where is the best place for your money? Give it to a friend? Put it in a piggy bank? Hide it in a particular place where only you know? Put it into a bank? Well these are some of the possible places and means wherein you can keep your money. But there is one thing that these ways have in common: they are all actually risky. They are all risky in the sense that the money you have entrusted to them are in danger of being spent, destroyed or will be worth less to you when you take the money back.

Of course, entrusting your money to a reliable and trusted bank is one of the most trusted ways to keep your money safe. Of course to do this, you have to open a savings account first before you are allowed to deposit your money with a bank.

Before opening a bank account, it is best practice to carry out any research about any prospective bank. If you think you are satisfied with your research and think that the bank you have chosen can meet all your business and personal needs, then this will be the time for you to enroll yourself and begin to make your deposits.

I Now Have A Bank Account!

Now, you and your money are already relatively safe and secure. I have to congratulate you for finding the best bank for you. However, I would like to reiterate here that all banks vary in the services they provide. A good example of the common services offered is the savings account. This is basically the initial service one can ever have when joining a bank. With regards to services, there are also some cases where some banks offer one type of service and others do not.

10 Services Offered By Banks

For you to have a clear view of a bank's services, I have included 10 of the services that most banks offer to consumer banking customers.

  1. Savings and other Accounts
  2. Online Banking
  3. Wire Services (includes customer care service)
  4. Payroll
  5. CDs
  6. Payments
  7. Collection
  8. Transfer of Funds
  9. Bill Payments
  10. Loans

Risk management in financial planning is the systematic approach to the discovery and treatment of risk. The objective is to minimize worry by dealing with the possible losses before they happen.

The process involves:

Step 1: Identification

Step 2: Measurement

Step 3: Method

Step 4: Administration

Risk Identification

The process begins by identifying all potential losses that can cause serious financial problems.

(1) Property Losses – The direct loss that requires replacement or repair and indirect loss that requires additional expenses as a result of the loss.

(For example, the damage of the car incurs repair cost and additional expenses to rent another car while the car is being repaired.)

(2) Liability Losses – It arises from the damage of other’ property or personal injury to others.

(For example, the damage to public property as a result of a car accident.)

(3) Personal Losses – The loss of earning power due to death, disability, sickness or unemployment and the extra expenses incurred as a result of injury or illness.

(For example, the loss of employment due to cancer and the required treatment cost in addition to normal living expenses.)

Risk Measurement

Subsequently, the maximum possible loss (i.e. the severity) associated with the event as well as the probability of occurrence (i.e. the frequency) is quantified.

(1) Property Risk – The replacement cost necessary to replace or repair the damaged asset is estimated by a comparable asset at the current price. Indirect expenses for alternative arrangements like accommodation, food, transport, etc, needs to be taken into account.

(2) Liability Risk – This is considered to be unlimited as it will depend upon the severity of the event and the amount the court awards to the aggrieved party.

(3) Personal Risk – Estimate the present value of the required living expenses and additional expenses per year and computing it over a predetermined number of years at some assumed interest rate and inflation.

Methods Of Treating Risk

A combination of all or several techniques are used together to treat the risk.

(1) Avoidance – The complete elimination of the activity.

This is the most powerful technique, but also the most difficult and may sometimes be impractical. In addition, care must be taken that avoidance of one risk does not create another.

(For example, to avoid the risk associated with flying, never take a flight on the plane.)

(2) Segregation – Separating the risk.

This is a simple technique that involves not putting all your eggs in one basket.

(For example, to avoid both parents dying in a car crash together, travel in separate vehicles.)

(3) Duplication – Have more than one.

This technique requires preparation of additional back up(s).

(For example, to avoid the loss of use of a car, have 2 or more cars.)

(4) Prevention – Forestall the risk from happening.

This technique aims to reduce the frequency of the loss occurring.

(For example, to prevent fires, keep matches away from children.)

(5) Reduction – Minimize the magnitude of loss.

This …

At 16, each child leaving school gets a Record of Achievement folder. The National Record of achievement or NRA is recognised throughout the UK and can be used as evidence of the holder’s achievements whilst at school.

The NRA can be taken to job interviews, colleges, apprenticeships or whatever route you plan to take on leaving school. It shows other people how you’ve spent your time in education and the positive things that you have to offer. The NRA is also a useful way to see what you’ve achieved so far in black and white and think about what to do next.

Before the NRA

There are a number of processes that lead up to you receiving your NRA.

Throughout your time at school you’ll be required to take part in a number of activities relating to the National Record of Achievement Folder, these will include:

  • Keeping evidence of achievements and building a portfolio
  • Assessment of your progress through reports and examination
  • Planning your next actions and setting targets to improve your NRA

What does the Record of Achievement Folder Look Like?

The NRA is generally presented in a burgundy folder, but your school may have chosen a different type of folder for their students. A number of standard sheets should be placed inside the folder including:

  • Your name, address and personal details
  • A summary of your educational achievements
  • A personal statement

You can also include any other records that could be useful when applying for a job, apprenticeship or college place, such as:

  • Credits and qualifications
  • Work experience history
  • Employment history
  • Awards
  • Attendance records

In addition the NRA will include an Accreditation Certificate which demonstrates that your school has monitored and organised the processes of achievement correctly.

Now What?

You should be preparing your Record of Achievement folder throughout year 11 as job and college interviews can happen quite quickly. In most cases if you’re planning to attend college, interviews will start around Christmas time so your NRA needs to be prepared by then.

Take evidence of anything you feel may be relevant to what you want to do. For example, if you want to study English then take photocopies of your most impressive essays. If you’re planning to find an apprenticeship in the building trade then take photos of the things you learn or anything you make at school which could support your application.

However, it’s also important to tailor your NRA so it’s fit for purpose. In other words be selective about what you include when you’re showing it to different people. For instance, if you’re planning a practical apprenticeship your interviewer will want to know your GCSE grades and see evidence of your practical achievements, they won’t want to read your essay on Richard III.

During year’s 10 and 11 you’re entitled to lots of help with your NRA. Your personal tutor should have at least three meetings with you to look at your folder and help you get organised. In addition, you’ll get help writing …

Would you pass a safety test? As a woman, do you feel safe while traveling, going to the supermarket, getting in and out of your car, or even sitting at home watching TV? Do you live your life in a safe mode or do you believe that nothing untoward will ever happen to you? It behooves us all, women and men alike, to develop our own personal safety plan.

I like to live my life by following what I call the Three A’s…be Alert, be Aware and Always be at the ready. The following tips are mostly common sense but always bear repeating. We can no longer enjoy the luxury of safety. We must take the initiative and look out for ourselves.

Staying alert to our surroundings, to everyone in our immediate environs, is of utmost importance. Too often we walk by people with our head down, totally ignoring who is coming our way or walking past us. This is a mistake and could lead to a fatal mistake. Pretend you’re a law enforcement officer. What do they do when they’re out in public? They are alert. They look people in the eye, noticing their movements, their facial expressions, making a mental note of their facial characteristics, how they’re dressed. The majority of the time this may turn out to be an exercise in futility but we never know when this information that we’ve assimilated may come in handy. We never set out for the day thinking that we might be a victim of a crime or a witness to a crime.

Here are some tips to Always keep in mind:

· If your big concern is rape, remember that most rapists (according to the rapists themselves) look for women with hairstyles that make it easy to grab them – a long ponytail or braid or any hairstyle that can easily be grabbed. Rapists like women with long hair. I’m not advising that women cut their hair off, but just be aware of your hairstyle as you go about your daily activities.

· Keep your cell phone easily Accessible so you don’t have to search through your purse looking for it, thereby being distracted from your surroundings.

· Be especially Alert in parking lots, even at your neighborhood grocery store. Public restrooms are other places where we’re particularly vulnerable.

· If you’re confronted by someone you feel is suspicious, talk to them, ask them a question, look them earnestly in the face, studying their looks. This will let any potential rapist know that you could identify them in a police lineup.

· If you feel that someone is approaching you in a threatening manner, hold your hands out in front of you and yell “Stop.” Let them know you will not be an easy target. Rapists don’t want anyone who is going to be a problem.

· Always carry pepper spray with you and make sure it is handy at all times. You don’t want to be searching through your …

If you are considering starting any new business venture, or getting into MLM/Network Marketing in particular, you owe it to yourself to read this article — particularly if you are a newbie.

These days, most people are familiar with MLM/Network Marketing. However, most have never heard of Cooperative Marketing. Those that aren’t may find the content herein to be shocking and amazing, if not revelatory and potentially life-changing.

Cooperative Marketing has been around for a long time in the mainstream business world, but it is relatively new to the “home-based business” world. The term can mean many things, but in general it means that the retailer is receiving marketing assistance from the manufacturer, supplier or other large-scale enterprise. Such advertising “co-ops” are common in many brick-and-mortar industries, including the grocery, insurance and publishing businesses.

In the case of a home based business, it means the company you are working with is taking on a major burden that normally would fall to you: the marketing of the product. In fact, the better Cooperative Marketing companies do much more than this, including actual selling, distribution and customer service. To date, only a relative handful of companies use this business model (compared to the hundreds of MLMs out there).

More’s the pity, because a growing number of “work at home” authorities consider it the far superior business model — both for the companies in question and for their individual representatives. Though the two business models have many similarities, they are more clearly defined by their differences, which are explored in this article.


As you probably know, the MLM/Network Marketing business is a huge industry. Many household names (Amway, Avon, Mary Kay, Herbalife, Shaklee, etc.) have had tremendous success using this business model, and many thousands of representatives (also called associates or distributors) have built profitable businesses in the industry. A smaller but still sizable number have built successful enough businesses to live very, very well indeed.

The MLM/Network Marketing business is based on the idea that reps are responsible for just about everything in their business, other than producing the product and handling commissions and bonuses. The company does these last chores, while the representative must undertake tasks which many find difficult and even onerous.

First, reps must find their own customers. Second, they must find new people to join their businesses with them. This is known as building a downline, and great success in the industry is predicated on having a large and thriving one. Specific business plans vary from company to company, but generally speaking you will not reach the top of the leader boards by selling alone. Third, reps may be required to order certain minimal levels of product every month, warehouse those products, distribute them, handle returns, etc.

While it is true many people have had great success in MLM/Network Marketing, it is also true that a far greater number have had little or no success. The plain truth is, not everyone is cut out …

The guy that is so “Sporty”. She is so “Classy”. We often hear such remarks. But have you wondered what exactly these styles means? Have you wondered, what traits, dressing styles go along with each of these style quotients? Read on to know more about 8 different such style quotients:


Your life is over burdened with work commitments to even spare time for your looks. Appearance is secondary or tertiary in your list. You prefer easy and comfortable clothing over the fashionable ones. You generally do not co-ordinate what you wear, more so in such a hurry or dislike to check your reflection on the mirror. You pick up the most comfortable pair of clothes on display and do not mind walking out in slippers. You generally window shop without much personal interest. Whatever glitters does not catch your eye. You priority is your work and practicality and feasibility and the comfort that it offers. You love who are, and have no qualms or regret about it!


You like to let your hair down at most of the times, are extremely comfortable in your skin and value comfort over anything! You don’t fancy products in vogue always; it has to suit your personal taste to land up in your wardrobe. You prefer to chill out with your peeps over cold coffee or beer (if you are within the permissible limit), gossip, catch up with latest releases in your shorts! You are laid back when it comes to fashion, so you mellow your style to keep the fun factor intact while making yourself an easy combo to slip on! You love colors and free-flowing silhouettes. You love wavy prints and strut around in your shorts with your sport shoes or casual t-shirts on!

The Girl/Boy Next Door:

Your sparkling eyes and dimpled smile do all the talking! You have easy, uncomplicated and appealing way with others; traits which are easily recognizable by your baggy jeans, sweat-shirts and carelessly ruffled hair! You have an easy-going air about yourself which is reflected by your gestures and attire alike. You love to share a laugh with everyone around you, eat out with your girls and also occasionally gossip/ bitch about other girls. You love to receive and give flowers, chocolates make you go weak in the knees and you love your old and faded jeans way more than anything in your life! You are recognized around for your pony tails and the cute ear piercing and did we stress on the fact your “cute” smile!


You are extremely active and like to reflect the same from your sense of dressing. Functionality rules foremost than fashion and a colorful closet is also your asset! You love your track pants and drool/ window shop every time you pass by an Adidas, Nike, Puma or Reebok store. Cool Athletes have influenced you enough with their athletic looks in shorts or mini-skirts to make you take notice of yourself. Sport-stars and their sporty style appeal …