What Should You Look For in an Auto Insurance Company?

What is a car insurance? What will an auto insurance cover?

Auto insurance companies cover you and your passengers in the event of an accident. But it is up to you to decide the level of cover you will get.

Will the damages to your property be covered by the company? Will all the passengers be covered or only your family? What if your daughter was driving your car?

What questions should you ask your auto insurance company when it comes to auto insurance? This article help you choose between the various insurance policies.

Types of auto insurance

Liability insurance, or third party insurance.

This is general the lowest form of insurance offered by an auto insurance company. This is the basic insurance, if you are involved in an accident, and it is proven to be your fault, the auto insurance company will pay damages to the other party.

The cover offered by the auto insurance company is usually set beforehand. These are the maximum amount the auto insurance company will pay in case of accident

For example the agent will agree on a $10000 coverage per person, (bodily injury) and/or $40000 coverage in bodily injury and/or $10000 in property damage per accident

You need to confirm with your auto insurance company what they will cover and what are the limits.

You might be offered a very low premium by some auto insurance company only to realize that your cover is minimal and unrealistic.

Collision and comprehensive coverage, comprehensive insurance and full comprehensive insurance

An auto insurance company will also offer you a comprehensive insurance, as the name indicates, you will be comprehensively covered.

In simple terms it means that if you are responsible for a collision the insurance company will pay for the repair of the vehicle.

But it is not so simple, an auto insurance company will almost always have the final say on what amount will be paid out, so if it is cheaper to give you market value for the car, then they will.

You might think that your car is worth $1000.00 but the real market value might be $500.00. This is not an uncommon scenario. So if the repair of your car are more than $500.00 then the auto insurance company will simply pay the book value of the car.

You must make sure that the insurance company is not in control of the market value of the car, normally organisations like the AA will give an impartial market value.

As with the third party insurance, the auto insurance company will almost certainly limit the amount that will be paid out, but in general terms, a comprehensive insurance will have higher limits.

Recreation Vehicle

A recreation vehicle needs its own insurance, a Recreation vehicle insurance is not the same as auto insurance.
You should not assume that because your car is comprehensively insured, so is your recreation vehicle.

Other Types of auto insurance

Medical (MedPay), Persona Injury protection (PIP) and no fault cover

This insurance will cover you and your passengers medical expenses in the event of a collision.

The no fault cover means that the auto insurance company will pay regardless of who is at fault. This give you the piece of mind that, at the very least, your family and friends are covered.

PIP is often a minimum requirement in some countries or states, ask your auto insurance company what the requirements are.

Uninsured/Underinsured motorists’ coverage

This cover, (also sometimes a minimum requirement in some states), will cover you if the person at fault is not insured or is underinsured.

You must ask your auto insurance company what you will be charged in case of such a situation. Normally the auto insurance company should not charge you some extra premiums.

Rental reimbursement, towing and labour

Those ‘extras’ often given with a comprehensive insurance is often use by auto insurance companies as specials.

So in case your car is damaged the auto insurance company will pay for rental costs, (sometimes only for a few days).

The auto insurance company might also offer to pay for the towing of your vehicle, (not always included).

As always you should ask your auto insurance company what is included in the cover.

The legal requirements.

Most states, and most countries will require a certain level of cover, from full comprehensive car insurance to third party auto insurance.

In most cases it is up to you, the driver, to ensure that your auto insurance company offers you the minimum required. In most cases the insurance company, (the auto insurance company), is under no obligation to instruct you of the requirements.

 

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If you want to survive in this cutthroat competition in the market, you should stay updated. Especially, when you are in the field of technology, every single hour, there is one of the other update on gadgets or operating systems i.e. software. While it is difficult to keep your eyes on various sources, the best way to stay updated is to subscribe to blogs that cover tha latest information on technology.

Whether you need technology updates for personal or professional use, the latest technology blogs serve the purpose. Such blogs cover the latest news from the electronics companies, product launches, gadget reviews, and many more stuff that you want to know on day-to-day basis.

Staying updated in technology helps you in many ways. If you are an individual, technology blogs update you with the latest gadgets in the market. You may simply search the latest reviews that talk about pros and cons of electronic devices. The reviews can give you idea about which product is better to buy today, and what precautions you should take while using it.

If you run an IT company, subscribing to blogs on technology can help you learn the latest trends in the market. You can guide your team to research and come up with new ideas to be put into your service or product. Technology blogs are the best source to know the features of smartphones, tablets, wearable devices, and the like. In addition, the programmers in your company can learn a lot from technology blogs whenever there is a new operating system announced by Google Android, Windows or Apple.

The latest technology blogs are written by experts in various technologies. A blog is a place where veterans in relevant fields write to share their knowledge and thus, blogs on technology can be trusted for information on technology. For instance, programmers can rely on the blog to know better about the latest iOS SDK by Apple. They can learn the features, and also how to use the SDK to reap all the benefits in their programming.

Technology blogs include the topics on web designing, web development, UI & UX, mobile application development, the latest iOS or Android update, modern devices such as wearables, and other programming languages (like php,.net, Python, Java, etc.). These days, technology blogs also talk about automated mobile app development platforms and cross platform development.

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Search Technologies

Each of us has been faced with the problem of searching for information more than once. Irregardless of the data source we are using (Internet, file system on our hard drive, data base or a global information system of a big company) the problems can be multiple and include the physical volume of the data base searched, the information being unstructured, different file types and also the complexity of accurately wording the search query. We have already reached the stage when the amount of data on one single PC is comparable to the amount of text data stored in a proper library. And as to the unstructured data flows, in future they are only going to increase, and at a very rapid tempo. If for an average user this might be just a minor misfortune, for a big company absence of control over information can mean significant problems. So the necessity to create search systems and technologies simplifying and accelerating access to the necessary information, originated long ago. Such systems are numerous and moreover not every one of them is based on a unique technology. And the task of choosing the right one depends directly on the specific tasks to be solved in the future. While the demand for the perfect data searching and processing tools is steadily growing let’s consider the state of affairs with the supply side.

Not going deeply into the various peculiarities of the technology, all the searching programs and systems can be divided into three groups. These are: global Internet systems, turnkey business solutions (corporate data searching and processing technologies) and simple phrasal or file search on a local computer. Different directions presumably mean different solutions.

Local search

Everything is clear about search on a local PC. It’s not remarkable for any particular functionality features accept for the choice of file type (media, text etc.) and the search destination. Just enter the name of the searched file (or part of text, for example in the Word format) and that’s it. The speed and result depend fully on the text entered into the query line. There is zero intellectuality in this: simply looking through the available files to define their relevance. This is in its sense explicable: what’s the use of creating a sophisticated system for such uncomplicated needs.

Global search technologies

Matters stand totally different with the search systems operating in the global network. One can’t rely simply on looking through the available data. Huge volume (Yandex for instance can boast the indexing capacity of more than 11 terabyte of data) of the global chaos of unstructured information will make the simple search not only ineffective but also long and labor-consuming. That’s why lately the focus has shifted towards optimizing and improving quality characteristics of search. But the scheme is still very simple (except for the secret innovations of every separate system) – the phrasal search through the indexed data base with proper consideration for morphology and synonyms. Undoubtedly, such an approach works but doesn’t solve the problem completely. Reading dozens of various articles dedicated to improving search with the help of Google or Yandex, one can drive at the conclusion that without knowing the hidden opportunities of these systems finding a relevant document by the query is a matter of more than a minute, and sometimes more than an hour. The problem is that such a realization of search is very dependent on the query word or phrase, entered by the user. The more indistinct the query the worse is the search. This has become an axiom, or dogma, whichever you prefer.

Of course, intelligently using the key functions of the search systems and properly defining the phrase by which the documents and sites are searched, it is possible to get acceptable results. But this would be the result of painstaking mental work and time wasted on looking through irrelevant information with a hope to at least find some clues on how to upgrade the search query. In general, the scheme is the following: enter the phrase, look through several results, making sure that the query was not the right one, enter a new phrase and the stages are repeated till the relevancy of results achieves the highest possible level. But even in that case the chances to find the right document are still few. No average user will voluntary go for the sophistication of “advanced search” (although it is equipped with a number of very useful functions such as the choice of language, file format etc.). The best would be to simply insert the word or phrase and get a ready answer, without particular concern for the means of getting it. Let the horse think – it has a big head. Maybe this is not exactly up to the point, but one of the Google search functions is called “I am feeling lucky!” characterizes very well the existent searching technologies. Nevertheless, the technology works, not ideally and not always justifying the hopes, but if you allow for the complexity of searching through the chaos of Internet data volume, it could be acceptable.

Corporate systems

The third on the list are the turnkey solutions based on the searching technologies. They are meant for serious companies and corporations, possessing really large data bases and staffed with all sorts of information systems and documents. In principle, the technologies themselves can also be used for home needs. For example, a programmer working remotely from the office will make good use of the search to access randomly located on his hard drive program source codes. But these are particulars. The main application of the technology is still solving the problem of quickly and accurately searching through large data volumes and working with various information sources. Such systems usually operate by a very simple scheme (although there are undoubtedly numerous unique methods of indexing and processing queries underneath the surface): phrasal search, with proper consideration for all the stem forms, synonyms etc. which once again leads us to the problem of human resource. When using such technology the user should first word the query phrases which are going to be the search criteria and presumably met in the necessary documents to be retrieved. But there is no guarantee that the user will be able to independently choose or remember the correct phrase and furthermore, that the search by this phrase will be satisfactory.

One more key moment is the speed of processing a query. Of course, when using the whole document instead of a couple of words, the accuracy of search increases manifold. But up to date, such an opportunity has not been used because of the high capacity drain of such a process. The point is that search by words or phrases will not provide us with a highly relevant similarity of results. And the search by phrase equal in its length the whole document consumes much time and computer resources. Here is an example: while processing the query by one word there is no considerable difference in speed: whether it’s 0,1 or 0,001 second is not of crucial importance to the user. But when you take an average size document which contains about 2000 unique words, then the search with consideration for morphology (stem forms) and thesaurus (synonyms), as well as generating a relevant list of results in case of search by key words will take several dozens of minutes (which is unacceptable for a user).

The interim summary

As we can see, currently existing systems and search technologies, although properly functioning, don’t solve the problem of search completely. Where speed is acceptable the relevancy leaves more to be desired. If the search is accurate and adequate, it consumes lots of time and resources. It is of course possible to solve the problem by a very obvious manner – by increasing the computer capacity. But equipping the office with dozens of ultra-fast computers which will continuously process phrasal queries consisting of thousands of unique words, struggling through gigabytes of incoming correspondence, technical literature, final reports and other information is more than irrational and disadvantageous. There is a better way.

The unique similar content search

At present many companies are intensively working on developing full text search. The calculation speeds allow creating technologies that enable queries in different exponents and wide array of supplementary conditions. The experience in creating phrasal search provides these companies with an expertise to further develop and perfect the search technology. In particular, one of the most popular searches is the Google, and namely one of its functions called the “similar pages”. Using this function enables the user to view the pages of maximum similarity in their content to the sample one. Functioning in principle, this function does not yet allow getting relevant results – they are mostly vague and of low relevancy and furthermore, sometimes utilizing this function shows complete absence of similar pages as a result. Most probably, this is the result of the chaotic and unstructured nature of information in the Internet. But once the precedent has been created, the advent of the perfect search without a hitch is just a matter of time.

What concerns the corporate data processing and knowledge retrieval systems, here the matters stand much worse. The functioning (not existing on paper) technologies are very few. And no giant or the so called search technology guru has so far succeeded in creating a real similar content search. Maybe, the reason is that it’s not desperately needed, maybe – too hard to implement. But there is a functioning one though.

SoftInform Search Technology, developed by SoftInform, is the technology of searching for documents similar in their content to the sample. It enables fast and accurate search for documents of similar content in any volume of data. The technology is based on the mathematical model of analyzing the document structure and selecting the words, word combinations and text arrays, which results in forming a list of documents of maximum similarity the sample text abstract with the relevancy percent defined. In contrast to the standard phrasal search by the similar content search there is no need to determine the key words beforehand – the search is conducted through the whole document. The technology works with several sources of information that can be stored both in text files of txt, doc, rtf, pdf, htm, html formats, and the information systems of the most popular data bases (Access, MS SQL, Oracle, as well as any SQL-supporting data bases). It also additionally supports the synonyms and important words functions that enable to carry out a more specific search.

The similar search technology enables to significantly cut time wasted on searching and reviewing the same or very similar documents, diminish the processing time at the stage of entering data into the archive by avoiding the duplicate documents and forming sets of data by a certain subject. Another advantage of the SoftInform technology is that it’s not so sensitive to the computer capacity and allows processing data at a very high speed even on ordinary office computers.

This technology is not just a theoretic development. It has been tested and successfully implemented in a project of giving legal advice via phone, where the speed of information retrieval is of crucial importance. And it will undoubtedly be more than useful in any knowledge base, analytical service and support department of any large firm. Universality and effectiveness of the SoftInform Search Technology allows solving a wide spectrum of problems, arising while processing information. These include the fuzziness of information (at the document entering stage it is possible to immediately define whether such a document already belongs to the data base or not) and the similarity analysis of the documents which are already entered into the data base, and the search for semantically similar documents which saves time spent on selecting the appropriate key words and viewing the irrelevant documents.

Perspectives

Besides its primary assignment (fast and high quality search for information in huge volume such as texts, archives, data bases) an Internet direction could also be defined. For example, it is possible to work out an expert system to process incoming correspondence and news which will become an important tool for analysts from different companies. Mainly, this will be possible due to the unique similar content search technology, absent from any of the existent systems so far except for the SearchInform. The problem of spamming search engines with the so called doorways (hidden pages with key words redirecting to the site’s main pages and used to increase the page rating with the search engines) and the e-mail spam problem (a more intellectual analysis would ensure higher level of security) would also be solved with the help of this technology. But the most interesting perspective of the SoftInform Search technology is creating a new Internet search engine, the main competitive advantage of which would be ability to search not just by key words, but also for similar web pages, which will add to the flexibility of search making it more comfortable and efficient.

To draw a conclusion, it could be stated with confidence that the future belongs to the full text search technologies, both in the Internet and the corporate search systems. Unlimited development potential, adequacy of the results and processing speed of any size of query make this technology much more comfortable and in high demand. SoftInform Search technology might not be the pioneer, but it’s a functioning, stable and unique one with no existent analogues (which can be proved by the active Eurasian patent). To my mind, even with the help of the “similar search” it will be difficult to find a similar technology.

The Importance of Public Relations in Food and Travel

Creating a successful public relations campaign is not an easy task by any standards. There are many domains for which such a project can be developed and each one of them requires a completely different approach. In the last couple of years, more and more PR companies have started to focus their attention on a few areas alone, such as food and travel.

Food PR is usually revolving around the immediate need of the consumer, but more importantly around the problems which can appear in certain situations. Nowadays, more and more serious diseases have started to be transmitted through our food supply and getting ill after consuming any type of food is not uncommon. This means that you’ll never know where the next case will appear: maybe from a piece of meat or perhaps from vegetables.

Even if most of these incidents are isolated, the situation remains the same: potential customers will change their opinion based on what they see and hear in the media, not on the actual facts and statistics. This is where public relations come in; a successful campaign will be able to transmit the right message and it will create a bridge between your company and your potential clients.

More importantly than dealing with incidents is making a new brand successful. In this situation, Food PR plays the important role of bringing the product to the attention of the right persons.

In the case of travel public relations, the task is a little more complicated. An entire web has to be created and you need to make the connection between your client, his transportation means, his accommodations and the activities he will partake in while going on a vacation. After that, the right PR campaign needs to stand out among thousands of others and make sure that your company is the one which gets all the attention it deserves. Traveling is no longer a problem for anyone and this is why so many travel agencies are trying their best to make offers which can’t be refused. The right travel PR campaign can tip the scale in your favor even if you are not the market leader, which is something that can’t usually be achieved in most domains.

The power of the right PR strategy can’t be underestimated, especially if you take a look at your competitors. Instead of trying to create a campaign on your own, you should find a company which already knows exactly how to get a head start and grab the attention of the public without too much effort. This way, you will save a lot of time and money and the results you were hoping for will appear sooner than you initially thought.

Travel Food: How to Eat Healthy While on Vacation

Eating healthy while traveling is a priority so when I leave town, food comes with me. Although my husband is always amazed at how much food I can pack into one suitcase, it’s really not as difficult as it seems.

Here’s a list of my food staples that are nutritious and travel well…

Cacao Powder: I use this raw, unsweetened “super-food” (i.e. packed with nutrients and antioxidants) to wake up in the morning instead of pounding coffee. I mix one tablespoon into a cup of hot water, add stevia and either some milk or cream, and it’s like a power-packed cup of hot chocolate, sans the chemicals, caffeine, and sugar.

Sardines: Yes, really, I think most people get sardines confused with anchovies, the small, flat, extremely fishy fish that come on pizzas and in Caesar dressing. Sardines are actually less fishy than tuna and bursting with healthy oils and protein. You can get them cheap (I recently found a cool “10 for $10” deal). In Costa Rica, I discovered that a can of sardines, paired with a large tomato from the local mercado, and drizzled with olive oil, makes for an excellent breakfast.

Kale chips: Now that kale has gone mainstream, you can find it everywhere. Kale chips have become a recent (and favorite) addition to my suitcase because (1) they don’t require refrigeration and (2) they help to ensure I get my daily servings of vegetables.

Vegetable juice: Although not my personal fave, vegetable juice also provides the much-needed daily servings of vegetables, is low-calorie and much cheaper than kale chips.

Sugar-free dried meat sticks. I like these because they travel well in purses, beach bags, and glove compartments and don’t require refrigeration. They’re also great between meals to keep blood sugar stable. I’ve tried several brands but my rule of thumb is to read the labels carefully: Dried meats are notorious for being packed with sugar, so always, always, always make sure to select only the ones without sugar.

Dried edamame: These crunchy nuts are packed with protein and make a great pre-workout snack.

Almonds & sunflower seeds: Nuts and seeds are a traveling must for me. I’ll measure out one- or two-ounce servings, place them into snack-sized baggies, and keep them handy in my purse in case dinner or lunch is delayed (also great snacks for beach days).

Stevia: If they stopped making stevia, I would seriously have to reconsider whether I could go on with life. Although some people find this sweet herb has an unpleasant aftertaste, to me it’s pure heaven. I put it in my morning cacao powder, add it to club soda + lime to make a refreshing soda-like beverage, mix it with lemon + water for a healthy lemonade… I could go on but I think you get it. Fortunately, stevia is everywhere these days so you can get it in powder, tablet, packet, or liquid form and use it instead of the harmful artificial sweeteners and sugar provided by most restaurants.

Whole grains. It can be extremely difficult to find whole grains (or even ones that aren’t filled with sugar such as the standard continental breakfast oatmeal). I travel with packets of instant oatmeal, whole grain crackers, and rice cakes to make sure I’m not eating refined carbs and causing unpleasant blood sugar spikes and cravings.

Beverages: Go down any supermarket aisle and you can find a multitude of options to add a little sum-sum to your water – everything from green tea packets, to electrolyte powders, to fruit flavor drops. I’m personally not a big fan of chemicals but a lot of these options are much better for you than soda. And besides, you’re on vacation… why not live a little?

So you’re probably thinking…

Are you crazy? I’m not packing all that stuff!

Well, you don’t have to. Even I don’t pack all this stuff all the time. For a recent trip to Costa Rica, for example, I packed everything since I wasn’t sure what would be available. For weekend getaways, I tend to just pack my breakfast and snack foods. It’s your trip – make it work for you and keep it healthy!