May 10, 2012

Auto insurance and the car-sharing schemes

Everyone is used to the idea that, if you don't own a big ticket item, you can still get one even though you don't have the cash to buy. This may involve a loan or some other credit arrangement, or you can rent. We have moved from a society in which people used to save until they could afford to buy, to one where you can satisfy your wishes instantly with a good credit score and proof of your identity. When it comes to vehicles, it's either been a case of talking nicely to neighbors to borrow their car in an emergency or go to a rental agency. Now we have moved beyond the carpooling arrangements into car-sharing. This is both good news and bad. At a community level, there are an increasing number of self-help groups who are making their vehicles available to each other. At the top end of the market, established renters like Hertz are making vehicles available on demand. New organizations like Zipcar also leave vehicles in designated places and anyone with a card can get in and drive them away.

The established renters are simply using the existing fleet in a more flexible way to generate money. Satisfactory insurance cover is already in place. But problems have been emerging in the less formal market. If you put your own vehicle into a pool and anyone can drive it, what happens to your own insurance cover? The answer is simple. If you do this on a regular basis and you are paid, this is a commercial use. As a private owner, this invalidates your policy.

Now states like Washington, Oregon and California are producing laws to clarify the insurance situation. In Washington, for example, we now have HB 2384 which requires all organizations offering car-sharing services to carry a minimum of $180,000 liability cover, and at least enough comprehensive and collision cover to pay fair market value should the shared vehicle be a total loss. This protects vehicle owners who can make additional money during tough times without losing their own auto insurance cover. It also imposes tough new requirements on the sharing organizations to ensure the vehicles are properly maintained and safe to drive. The public not only need auto insurance cover, they need to know the vehicles they drive away are safe.

March 13, 2012

India’s most popular jobs are government sector jobs – sarkari naukri in india

Recent survey done by shows that over 70% of Indian youth applies for sarkari naukri (government jobs). Recent financial recession has caused many people lost their jobs that were employed in private companies and now faces uncertain future. On the contrary sarkari nukri is much more stable and reliable as well as gives you financial protection and security.

Many people would argue that government jobs have lost their craze as now many multinational, international companies are outsourcing and moving their business in India and also paying good reasonable salary with protective future and pensions.  I would not disagree with this at all. This is true, but we all have just recently gone through big recession. Although the effect of financial recession was not great in India but still we saw many had lost their jobs and become unemployed and face uncertain future with no jobs. This led to uncertain and unprotected future of the person and family

On the contrary, Government jobs in India offer promising future and reasonably high salary. Sarkari naukri are most secure and reliable lifelong employment and provides protection to not only you but whole family. In unfortunate circumstances like we have already discussed in above paragraph and medical emergencies or even worst death of the employee, sarkari nukri provides replacement jobs to the family member and supply with protection of the financial condition of family. Government employees are also eligible for many other entitlements in a year like holidays package for family, housing facilities, retirement benefits, job security, all eligible govt holidays and much more.
If we are to compare government jobs with privet sector jobs, sarkari nukri always attracts and will continue to attract people attention. With the comparison with privet jobs, sarkari jobs have much less hours of working approximately all government jobs (bank jobs) have around 7-8 hours a day and have many sick, annual and other entitlement leave in a year. On the other hand privet jobs require longer hours of work and will require in future and comparably hard work with no or minimal entitlement of sick or annual leaves.

 As this date, government jobs are still popular option for people in India because of the security, salary and entitlements it has to offer to the people. You can find government jobs in many classifieds website or at