In the midst of all the debate about environmental issues, we are too often distracted by the hot button climate change. Yet controlling carbon emissions is only one of many different concerns about how we live our lives and the impact our lifestyles have on our environment. If we are to hand over a habitable planet to our children, we have to start thinking about every aspect of the systems currently in use and how we might make them safer. One of the less obvious questions is how we dispose of our unwanted drugs. There are a number of quite different issues. One day, you open the bathroom cabinet and find unexpected rows of half-empty bottles and packs of pills, all of which have passed their use-by dates. For a moment, you pause and wonder whether you should do something. Then your eye catches the toothbrush and life goes on for another month or so. Continue Reading »
It’s a funny thing but most stand-up comedians are men and one of their standard targets is women drivers. Perhaps it’s a reflection of male insecurity, but men like to mock women, particularly when the evidence is that women are safer drivers than men. That’s right. Every piece of evidence shows women get into fewer traffic accidents, have fewer tickets and, if there is an accident, cause less damage. When it comes to collecting details of traffic accidents, there’s no-one more careful to get all the evidence than insurance companies. They make their profit from being right about which groups of drivers are most likely to have an accident and then charging them the right premiums. Ask the actuaries about accidents in a particular make and model of car at a particular time of day or night, and the answer will come back as a set of percentages ranking the classes or groups of drivers as most likely to be involved. By convention, drivers are grouped first according to their age and experience. Young and inexperienced drivers are most likely to have an accident, and this statistical reality encourages insurance companies to impose higher premium rates on them. For these purposes, drivers become “mature” at the age of 25. Is there a standard rate for all young drivers? No, the rate changes depending on who you are and where you live. If you have been through driving instruction courses approved by your state’s insurance companies, have a good GPA and are moving on to college, you have started down the right track for discounts. As the years pass, these discounts will grow if you avoid traffic tickets and accidents. The record shows women are more likely to go through the courses, often have better GPAs and pick up fewer tickets. The only way for young men to get these discounts is to be more like girls of their age, i.e. drive within the law and more slowly. Continue Reading »
“Live your life the way you want to” : This is what we always say to each other. It is true that we must take care of each other and ourselves in order to live longer. If you don’t make any effort, nothing will happen, for sure. We have it a thought before and we keep coming back to this matter because we need to insure the most precious thing of all.
Without any doubt there are lots of insurance companies that are willing to give you a good offer on your insurance. But when you are a newcomer in this, you have no idea where to start from. Here is some information on the insurance related with life. Continue Reading »