Getting Low Auto Insurance Rates – Cheap Car Insurance Policies

First of all, avoid being in an accident. Having a clean accident-free driving record is a big plus for negotiating lower rates from your auto insurance provider. That you are a good driver makes the risk level for the insurance agency to be relatively low thereby giving you more power to make certain demands especially on lower rate considerations.

Also having a clean driving record will make you top choice and a better client to the insurance companies around.

You should endeavor to understand some of the value added services that auto insurance companies provide. Most times, these services help you save both time and money. A good insurance company will certainly love to have smiling customers and one of the greatest means for achieving this is to increase service value while maintaining price points or even lowering the overall price.

You can save more if you have multiple policies running on the same account. For example you can have a life insurance policy, home renters insurance and your auto insurance policy all being active in the same account. This will typically prompt for a lower rate negotiation.

Insurance companies will cross check on some of your personal behaviors and habits. If you have a record of getting drunk on alcohol or excessive speeding with friends and over loading vehicles, then your record is that of a high risk for the insurance companies. Having a non-destructive record will certainly give you more points for lower rates. The first step for you to get your lower rates is to get free auto insurance quotes from trusted agents online.

Where To Start?

How to Talk to Your Spouse Who Says You Work Too Much

Strong marriages and relationships require attention from both partners. This balance of attention to spouse versus earning a living or furthering your career can be difficult to find. And, once you have found a balance that works in your relationship, things change and you have to find the balance again.

Why do some people overwork? The Overworking Spouse may be under considerable stress on the job, or may have a boss that demands long hours. Or maybe there are layoffs coming up and the less productive workers are the first to go. Maybe one partner has to work long hours just to support the family. On the other hand, the overworking spouse may be strongly identifying with career advancement to the exclusion of the marriage. Of course, we should be involved in work that is worthwhile, fulfilling and financially rewarding but over focus can put the marriage at risk.

What can happen when you put your work/career first? Your spouse may be feeling emotionally disconnected from you and lonely. There may be a buildup of resentment which can lead to anger and finally bitterness-towards you. This situation often leads to unhappiness and discord for the entire family.

As a psychologist who has worked for 20 years counseling couples in my therapy practice in North St. Paul, MN, I met with Amy and Josh with just this complaint. Amy was complaining that she was overburdened because Josh worked too much and left her with the responsibilities of home, children, and her own 40-hour job. He knew she was right but he felt defensive when she tried to tell him how to manage his work schedule. He’d started complaining that when wasn’t very affectionate lately and always blamed her disinterest in their physical intimacy on fatigue. He asked to meet with me individually after Amy had had a session to talk about her “side”of the problem. He was appreciative that she was not as naggy as she had been in the past, but he still felt blamed and criticized.

When Josh and I met, we talked of the reasons that he was spending so much time at work. The usual reasons people overwork is that they are feeling under considerable stress on the job, or may have a boss that demands long hours. Or maybe there are layoffs coming up and the less productive works are the first to go. Maybe one partner has to work long hours just to support the family. On the hand, the overworking spouse may be strongly identifying with career advancement to the exclusion of the marriage.

Drs. John and Julie Gottman, in their book 10 Lessons to Transform Your Marriage, suggest the following questions:

1.What does your work mean to you?

2.What pleasure or satisfaction does work bring to you?

3.What need does working fulfill in your life?

4.Does your work related to some personal legacy you would like to contribute to the world?

In a discussion with Josh, he pointed out that he was trying to make headway in his career now, while he was still young and had the energy. He knew his wife was doing a good job parenting their two small children (3 years and 9 months) so he wanted to focus on earning good money for his family. At first, he couldn’t understand why Amy was complaining so much because he was doing all this work for her and their children. He felt it was his responsibility. He wanted to provide his children with a fund for their education.

I suggested he consider the questions listed above. He said that his work is very satisfying in that he felt very confident and capable at work. He also wanted to meet his father’s expectations who had had a successful career. His older two brothers had moved from job to job and he knew his father was disappointed that they had difficulty supporting their families.

It was important for Josh to understand the underlying reasons for his excessive hours at work. He did not have a demanding boss and he was in no threat of a layoff. He just wanted to do the right thing. He had not thought of himself as having value over and above that of a worker and wage earner. He resigned himself to have a discussion with Amy. He said he would try to listen carefully about what Amy was longing for when she complained to him. I suggested he try to imagine the experiences she wanted to have with him and not to focus on her criticisms.

When Amy and Josh came for the next couple’s session, they wanted to further discuss the overworking situation. (They no longer saw the problem as residing inside one of them but as a problem the two of them need to figure out.) Any was able to explain to him what she missed when he work so much. He came to get a sense that his contribution to their family was not solely a financial responsibility. He heard her tell him he was also loved, appreciated, and needed as a friend, confidant and co-parent. She especially enjoyed his easy humor with their children and felt he was the only one who would be able to provide that.

This was a difficult issue for this couple and it was not resolved quickly. They were able to discuss their needs and wants in a different way when they addressed the questions about the underlying reasons for their positions.

Culinary Arts Education – Degrees For a Job in the Hospitality Industry

There are many people that dream of a career in the hospitality industry and the most popular job is, of course, the head chef. To attain this role within a quality restaurant you will need to go through a culinary arts education course that will prepare you for working as a professional chef. These courses include the actual hands on preparation of food as well as the theories and lessons you will need to work in the industry. The courses run for anywhere from three to five years and even longer in you choose to complete a double degree.

There are many schools offering culinary education including everything from local community colleges through to world class cooking schools such as Le Cordon Bleu. Most of these schools offer professional degrees in culinary arts and will provide you with an opportunity to get a great job in the industry. However, it is more than likely you will need to get experience as an assistant, or sous chef, before you will be promoted or offered a job as a head chef. Like most other graduates you will need to make your way up the industry until you reach the top.

It is important to compare the different culinary arts education courses that are offered. Consider that some of the courses will not offer a formal degree so it is a good idea to put plenty of research into your decision. Create a short list of schools as it is a good idea to apply to more than one school in case you are not accepted by your first choice.

Technical Writing – How to Write Project Justification Documents

As part of building the overall project scope a technical author will first need to lay out the justification documentation. This document which can also be considered a “business case” lays out the fundamental reasons for implementing the project. Here’s a simple guide on creating a project justification.

State the Problem

Businesses don’t carry out projects for fun; they perform them in order to solve a specific issue or issues. You need to describe the problem clearly and accurately at the start of your document so that you can then present the solution to that problem.

For example if you intend to implement a new HRMS (Human Resource Management System) your problem may be; “The HR team currently spends nearly 80% of its time on non-productive administrative tasks, reducing the effectiveness of the function dramatically.”

State the Solution

This should be a simple statement to define your project. This enables your reader to understand what it is you’re proposing.

“We intend to implement an automated HRMS system to reduce manual administration by half.”

Supply Supporting Information

The problem and solution aren’t going to justify your project to the stakeholders and decision makers, so you need to provide the right level of information to enable them to support your recommendation.

Examples of the kind of information you should use:

  • Market Demand – Not always the strongest argument, but if you can show that all your competitors are implementing similar systems, it certainly suggests that it may be worth considering in your organisation.
  • Business Need – In this example the business need is clear, the HR team are spending the majority of their work time on non-specialist tasks and that costs money.
  • Customer Demands - what is it that your customers are screaming out for? Don’t forget to include internal customers as well as external ones.
  • Technological Progression – what’s going on in the world around you, is there are compelling case to be told in terms of the way IT and systems are developing?
  • Legal – Don’t forget the all important obligation to the law, if you can show that your project brings compliance or makes it easier to comply with those requirements you have a stronger case.

Writing a business case or project justification is an essential part of the larger project scoping process. Ideally you should write this early in the lifecycle of your project to help you obtain funding and support. You will also then be able to clearly identify the objectives of your task so that team members have a clear message to take away.