There are many reasons why you should get women auto insurance. It protects you from the high medical costs, vehicle repair cost and theft. You will also receive allowance as replacement for your income. As a driver, you have the responsibility to keep your passengers excellent. By getting auto insurance, you will be able to have the money to pay for the injury costs of your passengers and property damage. Another reason why you need auto insurance is that it is a requirement of the station department. Every state has a minimum requirement on how grand liability insurance you must recall. It is recommended that you buy more than the minimum requirement so that you will be fully protected from the damage cost.

By looking at the gender of the applicant, the insurance company knows how he or she will handle the car. Women don't get as many speed tickets as men does. Besides, most accidents are caused by men rather than women. Women encounter lesser accidents. The accidents caused by women are less serious compare to men. Due to this fact, their claims are smaller. Women drivers don't accelerate on the highway like men do. They like to drive cautiously and at a slower speed. The largest dissimilarity in the premium occurs on men and women under 30 years weak. There is a smaller difference in the premium cost for men and women over 30 years old. Women wear seatbelts frequently. They always drive shorter distance range instead of long distance range.

Though women automobile insurance is cheaper, there are determined factors that the insurance company take into account when determining the premium cost including driving history and vehicle characteristic If you want to reduce the cost of your car insurance, you should not buy a vehicle that has high horsepower. High performance vehicles will be charged with higher premium charges. Other types of vehicles that are charged with high premium cost include large SUV, and mini car. Besides, car with a long history of being stolen will be charged with high premium cost. If you want to take advantage of cheap car insurance, you should grasp station wagon. The premium cost for a van is low as well.

In the United States, women drivers often have to provide information on the ownership of the vehicle and their marital status. When shopping for women automobile insurance, make sure you discuss with your insurance agent so that he can help you to locate the best insurer. You can employ the insurance quote search engine to find an insurance that contains all the features you need and suit your budget.

You sight them when you’re on vacation. Fast-moving water-toys, ridden by people with wide smiles plastered to their faces. They radiate excitement, fun, and adventure. “Man! I’ve got to have one of those!” you think. “I could be blasting across the water, wind in my hair, free to go wherever I want! Sexy women will swoon as I blast past!”

That’s exactly what I thought, and I acted on those thoughts. Here are the lessons I learned.

What is a waverunner?

Actually, I’m referring to a general family of watercraft that includes any small vehicle where the rider and passenger(s) sit or stand on top of the craft, rather than sitting down in it. Kawasaki started this field with the Jet-Ski® in 1973. This model required the rider to stand up, holding onto handlebars, and riding the craft more or less like a slalom ski. It was invented by a former motorcycle racer (Clayton Jacobson II) to emulate water-skiing without the boat. Unfortunately, the coordination required to stay fair exceeded the ability of many would-be riders, and the Jet-Ski® has become the domain of well-coordinated athletes.

In 1978, the Arctic snowmobile company got in on the game with a “sit-down” version, called the Wet-Bike®. Made and marketed to copy the experience of riding a motorcycle on the water, the Wet-Bike® was popular, but eventually overtaken by a more “water-oriented” version of personal watercraft (PWC).

Yamaha introduced the Waverunner® in 1986, and it has gone on to dominate the style for PWC’s since the mid 1990′s. Based more on standard boat-hull designs, the Waverunner was stable and easy to prance, while still giving you the “wind-in-the-hair” feeling of a motorcycle. Beginners can sit right down on one, and with brief safety and equipment instructions; recall right off. There are many manufacturers of this type of craft now, and they’re often referred to generically as waverunners (lower case). Even Kawasaki sells waverunner-style craft (though they still utilize the name Jet-Ski!). http://www.kawasaki.com/Products/Watercraft.aspx

There’s a new (2007) game in town that looks like fun, called the Deckjet (http://www.deckjetwatercraft.com/). Made to emulate a surfboard with an engine, it may be relegated to the “athletes-only” category, but nonetheless looks like an absolute blast!

Here are links to manufacturers of waverunners.

Bombardier (Sea-Doo): http://www.sea-doo.com/en-US/

Honda: http://powersports.honda.com/watercraft/

Kawasaki: http://www.kawasaki.com/Products/Watercraft.aspx

Yamaha: http://www.yamaha-motor.com/waverunner/products/lifestylehome/home.aspx

How does it work?

Waverunners use a jet-propulsion system to suck water in and blow it out, forcing the craft to move forward. The system consists of a gasoline engine, which drives a propeller that’s housed in a tube (an “impeller”), which has an inlet in the front lower half of the craft, and an outlet at the rear. A small rudder controls the direction of the jet of water, thus controlling the direction of the craft. The rudder is connected to the handlebars, and takes very exiguous effort to turn.

Traditionally, engines in waverunners have been of the “two-stroke” variety (like chainsaws, and old lawn mowers). These engines were simpler, and lighter weight than more modern “four-stroke” motors, but make more noise and pollution. Today, most manufacturers are moving toward four-stroke engines, for better fuel economy and emission-control. They’re also a LOT quieter.

What’s it like?

You approach before your date. Carrying the gas can down the pier, you status down supplies, and climb into water to assign in the gas. After putting your emergency supplies in the stowage areas, you don a life vest, lower the waverunner into the water from the lift, and climb aboard. The seat is wider than a motorcycle, and very soft. You fasten the safety tether to your wrist, tie your hat down securely, and punch the starter button. Beneath you, the engine roars to life. You put the drive into reverse, and back off the bewitch, then head out the inlet to the lake. Once past the “no wake zone” buoy, you grip the lever in front of your right index finger, and start the throttle. The engine roars to full run, and the waverunner digs into the water, coming quickly “on plane”, that state where most of the craft is out of the water, skimming along with little anguish. The craft accelerates like a big motorcycle, pulling your arms out straight. Wind blasts your face, and the straps of your hat tug against your chin. You’re glad for the sunglasses, which help you guage the height of waves, and presence of debris on the water. You slalom back and forth, enjoying the g-forces, as you slice long, graceful arcs through the water, then you hunker down low, and go as fast as you can in a straight line. Nothing on the lake will keep up with you today! The air is definite, and the engine is pulling well. With smooth water, you’ll cruise at over 50 mph.

Heading support to the pier, you remove up your girlfriend, and put in your earplugs. (She screams like a banshee at full throttle! Of course you’ll be at full throttle most of the time…) Together, you sail up the lake, exploring inlets, and watching other boaters. Finally, you pull up at your destination; a restaurant with lake frontage. You let off your girlfriend, and tie up the waverunner like a horse, at a western saloon. Slinging your lifejackets into stowage, and removing your hat, you notice people looking at you, your date, and the waverunner as you enter the restaurant. You know what they’re thinking…. “Man! I gotta have one of those!” Yep, you judge… you’ve gotta….

Which waverunner should I recall?

All the manufacturers make good, reliable waverunners today. Some are better for particular purposes. Often, the choice comes down to personal taste, or the proximity of a particular marina.

If you’re planning family fun, you’ll want a larger unit, capable of carrying passengers and pulling floats. You usually have to get a 3-person pwc to pull a float, and a great engine (800 cc or larger). If you will be spending a LOT of time on the water, assume a newer four-stroke unit, for increased reliability, and decreased fuel use. They’re also easier on the ears (though most people on a waverunner for the first time narrate not even noticing the sound!)

If you’re planning to rush, your best bet is to attend some races, and view what people in your area are using. A big factor will be the availability of support in your dwelling, for whatever brand you choose. Racing involves repairing, so find one people know how to work on!

Big, comfortable waverunners are still remarkably fast, so don’t think that you have to buy a “sport” version to get substantial thrills. My astronomical, comfy family cruiser will occasionally hit 54 mph on smooth water, which feels much faster yet! The big ones like this are a bit more of a handful for turning and maneuvering, but they are nice and stable.

My own waverunner is a 1200cc two stroke, with about 120 horsepower, and feels like a rocket. (I’ve raced cars and motorcycles; the waverunner experience is a lot like a big sport bike.) Newer models go all the way up to turbocharged four cylinder, four stroke versions, with over 200 horsepower!

A significant feature in choosing a waverunner is “where will I be using it? ” Scope out the body of water you judge you’ll be on most frequently, and choose a model supported by a local marina. Having the support of a local marina will ease your mind, and your workload tremendously.

My good friends at Immense Timbers Marina, in Monticello, Indiana (http://www.talltimbers.com/) have been a tremendous help to me.

Beside the waverunner itself, what else will I need, and how much will it cost?

Good question! This is where people often underestimate the cost of any hobby, but especially anything that involves water. Some ancient wisdom is in order here. I cannot properly attribute these quotes, because they most likely originated in ancient times….

“A boat is a hole in the water, through which you pour money….”

“The two happiest days of a boater’s life are the day he buys his first boat…and the day he sells his first boat….”

In addition to the waverunner itself, you’ll need:

Gas & oil : Depending on how hard you ride, and whether you get a two or four stroke, you may need a lot. My own 1200 cc two-stroke waverunner will burn about 10 gallons of fuel per hour, with two people aboard, and riding hard enough to have fun. Figure at least $30.00/hr.

Floatation: Each passenger (and anyone you pull on a float) will have to have an accepted floatation device. Of course, you’ll be too cool to wear the basic orange ones, so figure at least $40.00 per person.

Region to ride: Do you live on the water? Great. No additional expense, assuming you can come by in and out of the water without expense. If you have to use a ramp that charges a fee, figure at least $10.00 per visit. If you have to rent a place to halt on the water, of course, the sky’s the limit.

Boat lift: If you live on the water, you’ll want the waverunner OUT of the water between uses. (I didn’t do this the first year, and you wouldn’t believe the SCUM that’ll grow on perfectly smooth fiberglass!) A small boat lift trustworthy for a pwc will run from $1,000-$3,000 new. I found a used one for $500.00.

Storage: During the winter, you’ll want to store your pwc, preferably indoors, and someplace friendly. If you have to rent storage station, this can bustle from a few hundred to a few thousand dollars, depending on where you’re located.

Transport: If you don’t live on water, or rent a slip on the water, you’ll have to transport the pwc to and from the water. Hopefully, you don’t have to buy a new vehicle to pull your modern trailer. Figure on anywhere between $500.00 to $5,000.00, depending on your taste.

Misc.: The boat will net a device to spend your money. Cleaning supplies, line to tie up to shore, anchors, repair equipment, waterproof containers to carry your stuff, maintenance costs, registration, insurance… I’m sure I’ve forgotten some.

How much do waverunners cost?

I lived on a cop’s salary for 18 years, so I’ve learned to find bargains, and live cheap. I don’t buy new vehicles. New waverunners can be bought anywhere from the high $3,000 range up to nearly $20,000. Used waverunners are available down to around $500.00, if you’re willing to have an older, smaller, slower unit. (Prepare for repair and maintenance bills if you go to the extreme outrageous end.) I ended up with a used, 1998 Yamaha XL1200 Waverunner for $3400. It’s been on the water for 2 years now, with no major failures or expenses, beyond those mentioned above. I love it. (But then, I race cars, so I’m used to throwing away money on a hobby…)

So…. IS it cheaper to rent it??

Yes, probably. Unless you have access to water most of the time, and like to be able to go out on the spur of the moment, and do so frequently. This is the case for me, and I like the freedom of “owning my gain”, so that I don’t have to meet somebody else’s schedule, etc. I don’t have any transportation, storage, or access fees.

Maybe even for me, it would be cheaper, but I prefer to have control…

Even if a spot charges $100/hour, and you rented for 20 hours a year, 3 years in a row, you’d just advance the point of having the investment in an inexpensive waverunner, trailer, storage, license, insurance, and in/out ramp fees. And you wouldn’t have any of the hassles, headaches, and liability.

Safety considerations.

If it’s been a while since your high school “Boater’s safety” class, mediate taking a refresher course. Learn the rules of the water, and your State’s laws, regarding legal operation. Your marina can help you out with this.

Although waverunners are simple enough for children to operate, they should not do so alone. Each state has specific laws regarding the operation of these watercraft by children. If you operate a pwc with a child aboard, make sure they know what to do if thrown off the vehicle. Choose brightly colored floatation devices, so dismounted passengers can be easily seen and avoided by other boaters.

Remember that water is hard when you hit it at high hurry. Hitting the water when thrown from a fast-moving pwc or pull-behind can knock you unconscious or cause injury (including drowning, or being hit by another boat).

Pulling a tube or other floatation “toy” behind the waverunner changes it’s handling dramatically. Start slowly to learn the feel. Know that on the object being pulled, speeds seem exponentially higher. 20-25 mph is blindingly fast when you’re skating along close to the water!

Waverunners suck water in from beneath the craft, and blow it forcefully out the rear. Avoid getting body parts or water debris (floating logs, wood, LINES, etc.) near the inlet or outlet of the pwc.

Learn the proper blueprint for uprighting an overturned pwc, and always wear the safety tether that attaches to your wrist and turns the motor off if you’re thrown overboard.

You’ll want polarized sunglasses (with a strap) or goggles, because wind will blind you at the speeds you can attain. I like a hat for ogle (and head) shade, but they’re difficult to retain on.

Dealing with emergencies.

Before you go out, learn the layout of the lake, including the location of marinas that might be able to help in an emergency. Keep the phone numbers of the marina (and maybe any rescue workers) on a cell phone, put the cell phone in a waterproof box, (with a credit card, and some cash!) and put the box in the waverunner’s storage region. Throw in a small, emergency paddle, in the rare case the waverunner conks out on you in the middle of the lake, and nobody’s around to offer abet. You’ll feel a lot more secure if you take these precautions.

Final thoughts.

My waverunner purchase took a lot of self-education and shopping around. In the end, I paid more for the whole package than I really wanted to, but got off about as well as I could hope for. If I didn’t have people to share the experience with, I’d have sold it after the first year, because you can only blast up and down the lake so many times before it loses it’s appeal. Having family and friends visit and laugh themselves senseless, though, has made it all worthwhile. There’s nothing like the exhaustion that comes from shrieking and laughing with your children. I’m going to keep it.

This coverage may be included in homeowners insurance, renters insurance, or even a credit card’s terms and conditions. It’s possible that you may even have a policy without knowing it. However, thousands of folks who are scared at the prospect of identity theft rob stand-alone policies directly from insurance companies. Are these identity theft insurance policies really worthwhile? My answer is: “almost never.”

Let’s look at them in depth. What do identity theft insurance policies actually cover?

One huge misconception is that identity theft insurance will cover any direct economic losses you incur. That’s simply untrue. All that most identity theft insurance policies do is reimburse victims for the expenses incurred in “righting” the status with banks, merchants, and other parties. In other words, the policy will make the process of reclaiming your identity less expensive. Coverage may include:

- phone calls and faxes
- postage
- photocopies
- notary public fees
- credit report orders
- lost wages for time spent handling the identity theft
- legal fees (for the few and far-between cases where an attorney is needed)
- cost of reapplying for loans that you were denied (as many people don’t find out their identity was stolen until they are denied credit)

While it sounds worthwhile to have these expenses covered, how much time do you realistically expect you’ll need to straighten things out? I had my identity stolen three years ago (through my beget lack of attentiveness) and spent a stout total of about two hours resolving the residence – with no time lost from work. And the financial cost to me? A few postage stamps and some phone calls that were already included in my cell plan.

Even if your identity theft situation is more complicated than mine was, are these benefits worth paying for? First, consider the premiums, which usually range from $50 to $100 per year (for most basic plans offered by major companies like Travelers, Liberty Mutual, Farmers, etc.). Then, remember there’s a deductible interested. Before identity theft insurance policies ever pay out, you may need to front $100, $250, or even $500. Most people’s identity reclamation expenses won’t ever get that high. It’s like carrying collision insurance on your ’85 Toyota that’s worth $487. Furthermore, identity theft insurance policies have limits. Even if you do have an extremely unusual identity theft case that necessitates a lawyer and involves more than a day away from your job, there are caps to legal fees and lost wages compensation.

Remember that insurance companies aren’t selling identity theft coverage because they’re personally concerned about your well-being. They’re out to sock you for a few extra bucks each year, as it lines their already deep pockets. Even if your identity is stolen and you milk the coverage, it is extremely unlikely that the investment will reveal wise. My advice is, unless it’s already inextricably included for “free” along with another policy, don’t buy identity theft insurance.

The four hurry has the option of a five speed manual transmission as well as an automatic. For the past twenty years, Toyota Camry has been one of the best-selling vehicles. Accurate owners have advance back for a third or fourth Camry because of previous experience that inspires a close following.

There are some very attractive attributes that have inspired such loyalty for instance the roomy cabin with a comfortable ride. The Camry is easy-to-drive and continues with a reputation for reliability and low maintenance costs.

There are enough model choices to please everyone. Camry’s hold their resale value as well. The Camry is a sought after mid size family sedan because it looks great and has enough leg room in the rear to even seat adults comfortably a plus as the family grows and matures.

Buyers can get Toyota Camry in an assortment of models. CE is the baseline, SE appeals to the sportier taste, with stiffer suspension, and XLE is for the car buyer seeking a bit of luxury while seating five in comfort. The bottom line Manufacturer’s Retail Price is slightly higher than $19,000 and can range to over $35, 000 fully loaded XLE V-6 package.

All levels advance with standard A/C. power windows, door locks and a CD stereo. Other available features like Bluetooth technology and an excellent audio system, as well as a DVD based navigation system, give a fully equipped Camry the feel of a luxury car.

When considering safety, it is important to impress that the Federal Government has given Camry five stars for both front and side impact safety. The Insurance Institute has awarded its “good” rating for the same thing, and that is the best that can be achieved.

All Camrys have a knee airbag for the driver, along with the other six front, rear and side airbags for a total of seven.

Drivers are reassured by the long history of the Toyota Camry. Many of today’s buyers rode in the Camry as children, and they have memories of its evolution. It is only natural that a trusted family tradition be carried on. Camry inspires loyalty in its owners. It is a trusted friend with a proven track record for safety, comfort and trustworthy looks.

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The easiest way to gash your insurance cost is to lower your coverage. By lowering your liability and comprehensive coverage amounts, you can save hundreds of dollars per year. In an example insurance plan, the driver has bodily injury coverage of 50,000/100,000 and pays $950 per year for this level of coverage. If they were to reduce the coverage to the 25,000/50,000 level, the cost would be reduced to less than $800 per year. Reducing coverage amounts increases your financial risk but reducing unnecessary coverage amounts keeps you fully protected while also saving you money.

In addition to lowing your coverage amounts, increasing your deductible can also cut your insurance cost. Some auto insurance policies include a collision deductible starting at $100. Increasing this number to $500 or $1000 can save the driver a significant amount. Increasing your deductible does not gash your coverage, its impact is felt only when a claim is made on the policy. Increasing your deductible can be especially beneficial for cramped spend drivers or drivers with an accident free record.

Another simple change to reduce costs is to eliminate any small policy additions which may be redundant. Some insurance policies come with small additions such as roadside assistance or rental car allowance. These additions can be useless if you have similar coverage elsewhere. Some drivers will have roadside assistance or rental car allowance through their cell phone policy, car warranty or in-car assistance program such as OnStar.

It is possible to cut your insurance cost while maintaining the same level of coverage. One way to do so is to change insurance providers. With the large variety of car insurance providers, you may find cheaper rates at a different company. Companies like Progressive and Geico provide drivers with an online quote making it easy to compare prices. The same coverage, for the same person can be drastically different at two different companies because of varying company policies and associated costs. If you had an insurance claim four years ago, and your novel company keeps a five-year history, you can save money by switching to a company with a three-year driver history policy.

You may also fetch savings by combing your current policies. If you have homeowners insurance and car insurance through separate companies, you may procure a nice discount by moving your policies to the same provider. Find the company which allows you to join the most policies and gives you the biggest discount for doing so. Combing your car insurance with your health insurance, renters insurance or homeowners insurances can provide a large discount.

Keeping the same coverage but changing your covered car can also back you cut costs. A newer car costs more to insure and rates can be higher depending on the model and type of car. If you trade in your sports car for a sedan, you will fetch significant savings. Cars can also arrive with distinguished savings attached. Models with high safety ratings will yield a bigger insurance discount.

Cutting your insurance cots can also be as simple as searching out all of your eligible discounts. Being a member of a obvious groups, such as depart rewards organization or college alumni associations, can mean savings on car insurance. Ask your group if they provide any insurance discounts as some alumni associations offer up to as much as a 15 percent savings. Some insurance companies also offer military and college graduate discounts.

Remember to keep your policy up to date at all times. Drivers can receive discounts for where they live, how old they are or if they got married. If you move, even with the same state it is important to update your information. Insurance costs are typically cheaper when you live in less populated areas. Drivers can recieve a discount for being married and for being in a household with multiple policies so updating your status can save you money.

Auto insurance for your teen driver will be expensive but there are steps you can grasp to reduce the cost of teen automobile insurance. One design to decrease the cost of automobile insurance for teenagers is not popular with most teens – - choosing a vehicle that is not a sports car, not a brand new vehicle, does not beget a powerful engine and does not have a sound system that would make an Imax theater jealous. In addition to age and driving history, automobile insurance companies take into consideration the vehicle that the driver will be using when quoting rates. As with adults, the vehicle can affect the insurance rate and teens are infamous for wanting rapidly, loud vehicles, which also are a huge distraction for them when driving. Even though it may not be popular with your teen driver, decide a modest, family vehicle for their first car. This will not only lower your automobile insurance (it will still be high) but it could also reduce their risk for an auto accident.

In addition to choosing a vehicle, comparison shopping for auto insurance for teenagers is mandatory to get the best teen auto insurance at the lowest rate. Begin with your current automobile insurance provider and obtain a quote for adding your teen to your policy as well as a quote for a separate auto insurance policy for your teen driver. It is best to obtain quotes for both options, as obtaining a separate policy may be a better value than adding your teen to your insurance policy. Do not forget to ask for specials and discounts from your current company for family insurance coverage and long-standing customers. After you have an insurance quote from your current insurance company, contact several insurance companies and obtain teen insurance quotes to compare prices.

Asking for discounts for the following factors when comparison shopping can also save you money when purchasing auto insurance for teenagers:

1. Taking and passing a Drivers Education Course

2. Good Student Discount – discounts for teen drivers who maintain high grade point averages

3. Passing their driver’s examination with high scores

4. Taking a Defensive Driving Class or Accident Prevention Course

Do not opt to slice insurance coverage to save money – - it is best to pay the shrimp increase to have chubby coverage on your teen driver than to save a few bucks and risk lowering coverage. For more information on how to protect your teen driver read the information provided at Progressive.com and Nationwide.com about teen drivers.

Sources: Centers for Disease Control and Prevention

Let me first congratulate you on behalf of all former small town Mayors (Round Hill, VA, 1996-2000) on being elected to the most remarkable office in the world with the most miniscule set of credentials since Senator Warren Gamaliel Harding in 1920.

But then again, that would be a disservice to Senator Harding as he at least served a complete Senate term (being the first sitting Senator elected President) and had experience in the business world where he, with the support and collaboration of his wife Florence, turned the Marion Daily Star into a successful, revenue-generating, job-creating enterprise. And all of this was achieved in a competitive market, without any type of government bailout or subsidy whatsoever. Who knew such things could be done? But I digress.

Further, I believe I also speak on behalf of all former Mayors when I say that I fervently hope that your time in office turns out better than dreadful Warren’s.

As a broken-down elected official with infinitely more executive experience than you currently posses, let me offer some advice that I’ve accumulated.

1. Taxes – Everyone Is In This Together

Taxes are high (at least for people who actually pay them!) – powerful higher and on a far more intrusive level than ever before. Considerable worse, even, than at the time of our separation from England … see Jefferson, Thomas; Declaration of Independence.

Either everyone should pay something or nobody should pay anything. Given your tax strategy appears to be to free as many people as possible from having any federal tax liability whatsoever, I would suggest you go all out and recommend that the 16th Amendment be repealed and that some other type of tax, such as a consumption tax, be implemented in its place. Given your previous comments that you “… want to make sure … that our tax system is fair …”, I would relate you to Representative John Linder’s proposed Fair Tax Act (HR-25).

2. Lead By Example

Congress has put pressure on the automotive executives to forgo bonuses and to work, essentially, for free. This is a improbable opportunity for you to lead by example by showing that in these hard times that the federal government, too, can tighten its belt. As such, if I were President, I would immediately decree that, like the automotive executives, I would work for a salary of $1/year as would the Vice President, Cabinet Secretaries, and all heads of the other executive agencies. I would send legislation to Congress decreeing that Representatives and Senators would also receive no more than $1/year.

3. There Are Limitations

Each Town in Virginia is granted a Charter by the Virginia legislature. This Charter enumerates (i.e., explicitly lists) the things the Town Government is authorized to do. The Federal Government has a similar construct – the US Constitution. But rather than being “granted” by some legislative authority, the authority comes from “We, the People …” Nowhere in this document does it say that the federal government should provide insurance coverage, health care procedures, or low-interest loans to its citizens or businesses. Nor does it say that Congress has the authority to mandate that private institutions do these things at their gain risk or on their absorb dime. Sadly, this is where we are now. And this is only the tip of the proverbial iceberg. So, my recommendation, stick to what you’re suppose to be doing and let the States do the rest … search for Hamilton, et. al., The Federalist Papers.

4. Everyone Should Be Mad About Something – But Nobody Should Be Mad About Everything

At every Town Council meeting I presided over there was an opportunity – some said too much opportunity – for citizens to address the Council. If we went more than two or three meetings without somebody getting up and ripping us a new one, I became concerned that I wasn’t doing my job. There’s no way that an elected politician – even one elected in non-partisan elections – can develop everyone happy. There are too many constituencies with too many conflicting goals and objectives to make this possible.

So, my advice to you, listen to your critics more than you listen to your supporters. Ask yourself which of these – critics or supporters – have the best interest of the country in mind and which group is advocating policies that promote the founding American ideals of freedom, liberty, independence, and self-sufficiency. When in doubt, side with these ideals.

5. Be Decisive, Be Consistent

There is no voting “present” when you’re the President. There are very few issues that are “above your pay grade.” If there are issues that are outside your authority, see #3, above. If this is the case, say so and let it stand at that. Speak out when support or condemnation on behalf of the people of the United States is warranted. Slit out a policy and stick with it. If you need to change policy, the reasons should be clearly enumerated. Make decisions. And, please, pick up a role model for this characteristic other than John Kerry.

6. Take Responsibility for Your Actions

When you screw up, admit it. When a policy doesn’t have the intended result, change it. When a program doesn’t have the intended result, assassinate it. Nobody likes a finger pointer – especially when the finger is pointed at the American people. Nobody likes wasting their hard-earned money. Even less people like having someone else waste their hard-earned money. If someone acting on your behalf steps out of bounds, send them packing. You’ve promised transparency, let’s hope it happens.

This country has prospered as it has because of the unlimited opportunity it has afforded and the constraint, for the most part, of the government (federal, station, and local) from infringing on the individual rights, liberties, and freedoms of its citizens. I pray that your administration, however long it may be, will continue to uphold this tradition.

Stephen Kuehm, Mayor, Town of Round Hill, VA, 1996-2000

Trade: If you are going to trade your car in, here is some vital information for you. You won’t get anything for your car. I talked to several dealers, and they are giving either “fair” or poor” trade in value for cars. And they use whichever is cheaper, KBB or edmunds. So, that $25k new car you bought last summer, is now valued at around $12k. If you have a gas guzzler, ample luck with that as well. Of course this leave a majority of the people what is called upside down in the payment.

1. Option 1: Sell it yourself to a private buyer. This will get you more for your car, and give you cash to take to the dealer. With credit the arrangement it is, cash is a huge bargaining point.
2. Option 2: Trade it in and take what they give you. This is mostly for people who don’t have the patience to sell one on their own. And if you are selling a gas guzzler, you will be competing with the others trying to sell theirs as well.

So, we have your older car taken care of, its either been sold and you have cash in hand, or you are going down to the dealer with it as a trade. Before you go, browse the internet sites of the dealers you will be going to. A lot of time they have “special internet pricing” available if you contact them online. This helps many ways, it saves gas, lets you get an notion of whats in your price range, and most importantly, gives you the opportunity to research what they are selling.

Once you have found a couple of cars you are interested in, do the following things.

1. Go to Edmunds.com, or KBB.com and get the retail sale price of that car. Compare it with what they are offering for it, try and glean some buying leverage. Know exactly what the dealer should be selling that car for.
2. Go to your bank/credit union. Talk to the loan officer, find out interest rates, what you qualify for, and a guestimate on the payment and terms of that car. Its best to do your own financing with your own bank, instead of the car lot doing it for you. You will probably come by a better rate, and if you go in to the lot, saying you have financing, you can haggle a bit more.
3. Call your insurance provider. The last thing you want is to find out your insurance is going up $60 or so a month because that car is a “high theft” risk, or something else silly.

Now that you have cash/trade, financing, and you know your payment, and insurance, bewitch a few minutes and do a quick analysis of your monthly finances. Make sure you can afford it. Once you have, and you can, its time to head to the dealer. Hopefully, you contacted them through internet sales and have an appointment.

Once you arrive, don’t reveal all your cards, don’t talk down payment, don’t talk trade, anything. If they are pushy, leave, or ask for another sales person. Don’t play their game. Its their rules, their game. Ask to behold the car, ask to test drive it. Drive it with the windows up, radio down, and listen. Roll the windows down and listen. Check the A/C, heat, fans, turn signals, etc. Depending on the dealer, take it to a mechanic of your choice to check it out.

When you get befriend to the dealer, and you decide you want it, point to them the value of their car if it is priced higher then what it should be, ask them to approach down. Chances are they will have to ask their boss, don’t let them go alone! Go with them and show the boss the paper work. Sometimes they will, because they know they can get it back in fee’s etc. Get that price on a deal sheet. Once they have it on a deal sheet, make your down payment offer. After they subtract it, get it signed, call your credit union before they can add the other fees. Pay for the title and tags yourself at the courthouse, no need to pay their fees.

There are many ways to play the game with them, but the main one is don’t give away too much upfront, fall it on them once they give you the lowest note on the vehicle you want.

Safety - Smaller cars often bring up safety concerns The misconception that bigger is much better in a crash is slowly being eroded by safety features and developments that are making lots of smaller cars just as safe as their larger cousins All Smart Fortwos have standard safety features like those discovered in larger vehicles The Smart has four airbags, anti-lock braking system and the protective tridion safety cell It is created to make certain that crashes in these smaller cars are comparable to larger passenger vehicles The Insurance Institute for Highway Safety gave it the highest scores for front and side crash worthiness and roof strength.Comfort - It’s only large sufficient for two, but what room there is appears to be comparable to that of other cars The headroom of the Smart Pure Coupe is 39.7 inches; that puts it within an inch of head room either way compared to a Lincoln Town Automobile, Nissan Maxima, Lexus LS 430, Buick Park Avenue and the Ford Crown Victoria Leg room is also within 1-2 inches.Style - The Smart Pure Coupe is a standout for the reason that of it’s modest, boxy design It is undoubtedly noticeable on the street and has changeable body panels offered in six colors and a range of interior upholstery colors To further customize your Smart, you can pick custom paint or get a vehicle wrap in a selection of designs.Performance - The Pure Coupe has a maximum speed of 90 mph, so it isn’t for those who want to get on the track and cut loose; but it does give 33 mpg city and 41 mpg highway; so, what it lacks in speed, it makes up for in fuel economy.Green - The trend toward eco-friendly vehicle alternatives has everybody wondering what their vehicle is performing for the environment Smart cars are eco-friendly from production on to their life on the road In production, only water soluble pains are utilized The body panels have molded-in color and are recyclable And the Fortwo is classified as an Ultra-Low Emission Vehicle for the reason that of its low exhaust emissions And the incredible fuel economy means less fuel consumption to get you where you require to go.With a beginning price just under $12,000; the Pure Coupe is priced proper for it’s size Overall, the Smart Pure Coupe is the ideal automobile for a couple, singles, students or as a commuting vehicle Resources
Smart USA Internet siteEdmunds.com, Top 10 Cars For Driver/Front-Passenger SpaceDaimler Site, Media Resources　 .

When shopping for auto insurance, be sure to compare apples to apples. Choose on the coverage amounts and options you’d like to have, and compare those same options and amounts with the various companies to gather an accurate comparison. When deciding on coverage amounts, you may want to speak to an insurance agent who you can trust to teach you what you need, and also what you don’t need in an insurance policy. The amount of liability insurance you need is related to your income and assets, so there is no such thing as one size fits all insurance coverage. It’s valuable to find out what your needs are so that your insurance policy protects your assets in the event of a liability claim being filed.

Also check the company’s claims process. Find out if they have a 24 hour claims department. Find out if they have a local claims office. If not, repairs will take longer in the event of an accident. Avoid insurance brokers, because they add on a hefty broker fee of anywhere from $75-$200 to your policy. Look for companies that provide a local agent or representative who will personally handle your claim. Check to see if the insurance company will allow repairs to be made at the facility of your choice, or if you will be forced to choose from their approved list of repair centers. Determine if you need to add towing or roadside assistance to your insurance policy, and also if you would need a rental car in the event of a claim. Some companies include these services in the price of the policy, and others charge an extra fee. Be sure that you know what the charges are before selecting a policy.

When it comes to paying your bill, some companies offer a discount for paying the whole term upfront. Some companies may offer discounts for being a good driver, having more than one car, or having another policy such as a homeowner’s policy with the same company. Be sure to bag out about all the discounts available to you and which ones you may qualify for to ensure you are getting the best designate possible. Discounts may also apply if you are employed by sure companies or have a profession such as a teacher, nurse, or law enforcement officer, so be sure to check with your insurance company for a complete list of discounts.

Once you have gathered quotes from several companies, take some time to compare your results. Carefully review the coverage, charges, claims procedures, company ratings, etc. After you have reviewed all of the information, you can make an educated choice and pick a company that will save you money and also be trustworthy.