Browse Day by November 8, 2018
Business

Moving To San Diego from Outside of The US-At A Glance

Many people are familiar with some type of move whether it be a local move or a cross country move. However, few have experience with moving overseas and dealing with international moving companies. This realization often leads to some concern about how these moves are different and what they will need to do. To help take some of the surprise out of these companies and overseas moves, we have put together a list of areas where these companies are unique.Come watch and join us at-best services for planning a move to San Diego from outside of the country.

Increased amount of paperwork.

There is simply no getting around it, there is much more paperwork involved from moving from one country to another. In the post 9/11 world, this paperwork has only increased and can be overwhelming if you do not prepare yourself for it. Fortunately, these moving companies are here to help you locate all the right documents so you should take advantage of this. We do recommend that you give yourself far more time than you would with other kinds of moves because of the increased paperwork and other things that will need to be done.

Belongings must be packed and protected for the long haul.

With an overseas move, your belongings will be exposed to more risk as they are taken by boat to yoru new home. Obviously, they will be at greater risk because the roadways will not only be used but also the open sea. This means greater risk to damage to your belongings because of storms, modern day pirates and more. This is why it is important your items are well protected by being packed very well, but also there will be a great need to get full insurance protection. This protection can help protect you in the event that the ship goes down or your belongings are damaged while in transport. However, its biggest benefit will be the added peace of mind it offers.

Dealing with taxes and port customs.

As you might guess the taxes are higher with these type of moves and you will have to deal with getting through customs. This means the overall bill will be higher and the time spent needed to get everything approved will be longer. Fortunately, this is old hat to these overseas movers and they can help you better navigate these processes. By keeping these differences in mind, you should have a greater understanding of international moving companies. Although we have described the differences here, there are in most other ways very similar to regular long distance movers.

 

Personal Injury, Traffic Rules

Handle Your Car Accident Recovery Using insurance Coverage

If you do not have minimum liability insurance coverage, you will not be entitled to general damages (pain & suffering, emotional distress, loss of enjoyment of life, etc.), and you may lose your drivers license, and a fine. Even if the accident was not your fault!

Most personal injury attorneys will not represent you on a contingency basis unless you had liability insurance at the time of accident, because the value of your case is limited to out of pocket losses only such as: Property Damage, Medical Expenses, Medication Expenses, Loss of Wages, etc. I strongly suggest you to visit  recovering from a car accident.

TYPES OF INSURANCE COVERAGE’S

There are many options when it comes to purchasing automobile, motorcycle, and other motor vehicle insurance. Like the old saying goes, you usually get what you pay for. This section is not meant to be a treatise on auto or other motor vehicle insurance coverage. However, we will generally discuss the different types of motor vehicle insurance coverage.

Liability Insurance Coverage: As discussed above, this coverage is required by law. This insurance coverage will cover you for any losses that you may have caused to others, up to the dollar amount of your insurance coverage, for any accident that is your fault. Some policies cover you for any car that you drive, including rental cars, and some policies only cover you for a specific car. Make sure you check with your insurance company as to any limitations on your coverage, and actually read the policy to confirm what you are told. We recommend that you obtain as much liability insurance coverage as possible because in the modern era, cars and medical expenses have become outrageously expensive. A simple automobile accident could have $20,000.00 in property damage, and $30,000.00 in medical expenses. If you only carry the minimum insurance coverage allowed by law, you could be on the hook for the balance of any damage that you cause. Some liability coverage’s also exclude members of your household or immediate family members who live with you from “suing you” the driver and/or recovering from your liability policy even if the accident is your fault. We again recommend that you check with your insurance company. You want to make sure that your coverage includes your passengers and family members that may be injured in an auto accident. Top

Comprehensive and Collision Coverage (Comp/Coll): This type of coverage will cover the damage to your vehicle if you are in an accident that is your fault up to the “Fair Market Value,” of your vehicle. It will also cover your vehicle up to Fair Market Value if it is stolen. Some Comprehensive and Collision coverage’s will cover damage to your car even if the accident was not your fault. Check with your insurance company as discussed above. If the cost of repairing your vehicle exceeds the Fair Markey Value of your vehicle, than the insurance company will consider your car to be a “total loss,” and only pay you Fair Market Value for your care. Now what is Fair Market Value? Fair Market Value is the amount of money that your vehicle is actually worth on the street. Many people confuse this issue.

You may have paid $35,000.00 for your car, and you may owe $30,000.00 on you car, however, once you drive the car or vehicle off of the dealers lot, it automatically decreases in value. Although you have paid the above amount for your car, and you may owe the above amount for your car, the Fair Market Value of you car may only be $15,000.00! Insurance companies value your car on many factors which include but are not limited too: Year, Make, Model, Mileage, Condition, What identical or similar cars are selling for in your area, etc. Many times people find out the hard way when their car is totaled or the repair cost exceed the Fair Market Value of the car, that the amount you receive from the insurance company is way below the amount owed on the car. In today’s market where new cars average $30,000.00, this situation is not uncommon, especially when the cost of repairing simple bumper damage may exceed $5,000.00. We recommend that you always purchase Comprehensive and Collision Insurance. Without this type of coverage, you will get nothing for your property damage if the accident is your fault, and/or you will be at the mercy of the other drivers insurance company if you are not at fault. Check with your insurance company and read your policy for any limitations of coverage. Top

GAP Insurance Coverage: This type of Insurance policy covers the difference between the Fair Market Value of your vehicle, as discussed in the Comprehensive and Collision section above, and what you actually owe on the car. When you purchase a new or used vehicle on credit from a dealer, more often than not you are required to not only purchase Comprehensive and Collision insurance, but you are also required to purchase GAP insurance so that the finance company knows that will be paid in full if the car is totaled. Regardless of whether it is required or not, we always recommend purchasing GAP Insurance coverage if you owe a third party money for a car. As discussed above in the Comprehensive and Collision Section, you do not want to get stuck paying thousand’s of dollars on a car mortgage after an accident, when your car has been declared a total loss after an accident. We cannot tell you how many times victims of accidents find out the hard way that their insurance company will not pay enough money on a property damage claim, to cover what is owed on the vehicle. Nobody wants to get stuck for thousands of dollars in payments on a vehicle they no longer own. We recommend getting GAP Insurance on your vehicle if you owe money on the vehicle. Top

Under Insured Coverage: This type of insurance coverage will cover you for the difference between your actual damages, and the at fault persons insurance coverage. In other words, let say you are hit by a person who has minimum insurance coverage, (10k/15k/30k) who is at fault in the accident. Under normal circumstances the most you will be able to recover from their insurance company is for your injuries, and out of pocket loss, etc., is $15,000.00. Let’s say your actual medical bills and out of pocket loss is $100,000.00. What are you going to do? If the person who hit’s you does not have any assets there is little chance that you will ever collect the $95,000.00 difference from them if you sue to get a judgment. If you do get a judgment, they could declare bankruptcy and discharge the debt they owe to you in it’s entirety. We find that in many instances, an at fault persons coverage is not enough to cover our client’s actual damages and they get stuck in the catch 22 situation discussed above. We believe that it is always better to error on the side of caution. We always recommend purchasing Under Insured Coverage for a minimum of $100,000.00 or more. The more the better. This is your way of insuring yourself, against an at fault persons deficient coverage. Top

Uninsured Motorist Coverage/Bodily Injury (UM/BI): The name speaks for itself. This type of insurance coverage will cover you for your “non-property” related damages if the other motorist who is “at fault,” has no liability insurance. In the State of California we feel that this type of coverage is mandatory due to the vast amount of people driving around illegally without insurance. This coverage will also cover hit and runs. We recommend purchasing the most UM/BI coverage you can afford and at least a minimum of $100,000.00. If you are in an accident and the other motorist is uninsured, this coverage will be your only recourse in many instances. Do not drive in California without some kind of UM/BI coverage. Top

Uninsured Motorist Coverage/Property Damage (UM/PD): This is the same as UM/BI discussed above except this insurance will cover you for the Property Damage to your vehicle if you are hit by an “at fault” or “hit and run” driver. As discussed above, some Comp/Collision insurance policies will cover you if your vehicle is damaged or totaled by an at fault uninsured motorist, but some will not! We always recommend to error on the side of caution and purchase insurance to cover you in this instance. We have seen many accident victims lose their vehicles in accidents due to the fault of hit and run or uninsured motorist, and get stuck with no vehicle and massive vehicle payments because they did not have the proper insurance. We always recommend that you insure your body and your property against the uninsured motorist, and hit and run driver. Just like Comprehensive and Collision mentioned above, this coverage will on cover your vehicle up to the fair market value of your vehicle. Even if you may have paid and/or owe $30,000.00 on your vehicle, and your buy $30,000.00 UM/PD coverage on your vehicle, the insurance companies will only cover you for the Fair Market Value of your vehicle only with this coverage.

Rental Car Coverage: This type of coverage will pay you a certain amount of money per day to procure a rental car in case you are in an accident. Check with your insurance company to ensure that you will be covered both when you are at fault, or the other person is at fault. Sometimes insurance companies will require you to pay for a rental car out of your own pocket and then submit bills to them for reimbursement. Most of the time this type of coverage only pays $20.00 to $30.00 per day up to a dollar maximum, or for a maximum of 30 days. In many instances, the cost of getting a rental car and insuring the rental car against loss, will exceed your rental car coverage policy. However, we always recommend buying rental car coverage in your insurance policy. We cannot tell you how many times we are faced with client’s who were not at fault in an accident, and they have lost their only transportation. If the at fault motorist’s insurance does not immediately cover you for rental car payments, you will be stuck paying the entire amount on your own until either your vehicle is repaired, or you procure another vehicle. We know this is not fair. This is why we always recommend getting Rental Car Insurance Coverage. Top

Medical Payment Insurance (Med Pay): This type of insurance pays for your medical bills if you are in an Auto Accident. Many people already have Normal Medical or Health Insurance. However, often times there are co-payments that have to be met, and/or deductibles, as well as medication cost that your medical insurance will not cover. It is important to get as much Med Pay insurance as possible. When you are injured in an auto accident, often times Med Pay is the first payment your insurance company will make to you. Usually they will automatically pay this amount when presented with medical bills. We recommend getting this coverage.

Deductibles: Most Comprehensive/Collision, and Uninsured Motorist coverage’s have deductibles, meaning that you have to pay the first $500.00, $1,000.00 to $2,000.00 of any damages on these types of claims and your insurance will cover the difference. You can even pay for zero deductible insurance coverage. The bottom line here is let’s say you have a fender bender with $900.00 property damage with a $1,000.00 deductible, and you have Comp/Collision coverage. You insurance company will accept the claim, but since you have a $1,000.00 deductible, you will get no money because you have to pay the first $1,000.00 since that is your deductible. The issue of deductibles is one of personal choice. Usually your premiums are lower with a higher deductible, but then again, you will have to pay a higher price or receive a lower settlement if you have a higher deductible. If you can afford it, we recommend getting a low deductible. We have seen clients who opted for high deductibles, lost their jobs, and than had an accident. They were not able to get their vehicles out of the auto body shop until they covered the deductible. You get the picture, the whole purpose of insurance is to protect yourself in case of lose. It may be better to pay a bit more for a lower deductible when you have a job and money, then risk not being able to cover the deductible in bad times. Top

State Disability Insurance, Other Disability Insurance: If you are injured after an auto or motor vehicle accident, you will most likely be out of work for some time. Personal Injury cases are not settled overnight especially if litigation is necessary. Cases can sometimes take 1 to 2 years or more to resolve. If you are placed in an off work status by your doctor, we highly recommend that you apply for California State Disability Insurance (SDI). (You must be eligible) SDI will not cover the entire amount of your lost wages, but it is better than receiving nothing if you cannot work. You are eligible to apply for SDI after two weeks of being disabled, and your doctor will need to fill out the necessary forms to provide to the State.

Business

The Basics of Solar Panels Installation

choosing solar panels for your homeThe easiest way to reduce your electricity bill with renewable energy is to tap into the limitless potential of solar energy. However, solar panels installation can be a frustrating, costly exercise if you’re not careful. To help you avoid your solar upgrade becoming a major problem for your family, here are some installation and preparation tips.

Before You Install Solar Power

Before considering solar panels installation, first consider the factors that go into choosing a solar system and the cost of that installation. For the average home, operating on moderate electricity use, a solar system will cost about $9 per watt of production. If you use a lot of electricity but your bills are not that big already, this will be a major expense. Find additional info regarding choosing solar panels for your home.

Some regions, such as the Pacific Northwest already operate on relatively low electricity costs due to the use of renewable energy like Hydroelectric power. The cost of installing solar panels would far outweigh the benefits.

However, in other regions, such as the northeast where coal and gas are used to produce electricity, prices continue to rise year after year, and solar power is becoming an ever more viable option.

The Basics of Solar Panels Installation

Once you’ve decided how much electricity you need from your solar panels and whether the economics work out for your family, it’s time to start installing your panels. You’ll need a few parts first, including:

• Solar Panels
• Mounting Brackets
• Wiring
• Batteries
• Charge Controller
• Inverter
• Generator
• Grounding Tools
• Junction Boxes
• Disconnects
• Overcurrent Protection

Unfortunately, if you were looking for a weekend project, solar panels installation is a relatively complex, time consuming process, if only because of the complexity of electrical systems. Before you can truly start installation, you will also need to acquire whatever permits your local municipality requires. In some cases, you may need regular inspection to observe the installation process, or you may be required to hire a contractor.

choosing solar panels for your home

The panels themselves should ideally be placed on your roof at a forty-five degree angle facing south. A southern exposure is best to optimize the amount of sunlight they receive throughout the year. In the winter especially a northern exposure will result in very little absorbance.

The batteries and generator are not completely necessary unless you plan on disconnecting your home from the power grid completely. In this case, you’ll need to back-up the power you’re generating from your panels. When the sun isn’t out, those batteries will provide backup power to your home, and when the batteries start to run dry, your generator can kick in and recharge the battery.

Business

Siding & Window Installation-Some Insights

Most homeowners want to do what they can to ensure that their homes are beautiful and secure, and this usually involves making some improvements. While a full-scale remodel is not always necessary, changing a few of your home’s elements can make a big difference. Two of the best remodeling projects that homeowners can undertake to improve their homes are installing siding and adding new windows.Browse this site listing about-Hired them for siding & window installation – amazing job!

Adding siding to a home can make a big difference in how it appears to the outside world. With beautiful, seamless new siding, homeowners can look forward to finally having that invaluable curb appeal they’ve always wanted. However, not only will siding make a home more beautiful, but it will also work to protect it from a wide range of threats. Siding is great at protecting a home from the elements, so homeowners can make sure that the structure of their home is not damaged during a storm or other inclement weather.

Adding new windows to your home will change the way it looks from both the interior and the exterior, which means that both your family and your neighbors will be able to admire these changes. New windows will be a great complement to your siding, not to mention the fact that they’ll allow a lot of natural light to pour into your home, making it a more enjoyable space for you and your family to spend time. With new windows, it will also be much easier for you to relax and enjoy the view of your yard.

Making improvements such as installing windows and house siding will do a lot to increase the value of a home. When buyers are looking for new properties, they want something that looks beautiful while still serving the practical function of sheltering their families from harm. New windows and house siding can offer both of these things, and buyers will be willing to pay a lot more if you’ve recently made such improvements to your home.

Pro tip: If you really want to impress buyers, you might also consider putting a new roof on. Roof replacement can seriously up the value of your home and will add to the beautiful, finished look of new windows and siding.

If you’ve been contemplating installing windows, going through with roof replacement, or making other improvements to your home, there’s no reason to hesitate. Even if you plan to stay in your home, these changes will benefit you and your family for years to come. If you do happen to decide that you want to sell, buyers will love the improvements that you’ve made, and you’re likely to make a much bigger profit on your sale.