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Smart Tips For Improved Winter Driving
The beauty and excitement of winter's weather also bring with them the dangers and hazards of winter driving. Fog, rain, snow, sleet and ice each present different challenges for motorists. It's best to stay off the roads when severe conditions occur; however, often you have no choice but to brave the elements. To help you along your journeys, read these seven guidelines to staying safe and secure this winter season.
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Helpful Hints to Lower Home Energy Costs
It's likely you've seen your heat bill increase over the past few months and have started to consider how you can better control your costs. While keeping your house warm and toasty will inevitably take a significant bite out of your income, don't give up hope! Take a minute now to learn how you can keep you winter energy costs to a minimum.
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Ensure Your New Year's Resolution Success
It's easy to make New Year's resolutions but keeping them can be challenging. Psychologists have researched the phenomenon of New Year's resolutions, and the findings tell us three basic things: most Americans make at least one resolution; within a few months, half the resolutions are broken; and, in the end, only 20% of resolutions are completely achieved. But, fear not, resolution makers -- Here are nine keys to successful (and lasting!) New Year's resolutions.
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Why You Need Life Insurance
Many people have made a New Year's resolution to purchase life insurance in the coming year. A wise idea, but too many people will end up finding reasons to not follow through on that goal. Why? No one likes to bet against him or herself. But, truth be told, the future is unknown and it's critical to protect the people you love. While buying life insurance can be complex, the rewards of protecting yourself and your family can outweigh the pain. Take a look at the top five excuses for not purchasing life insurance and why they are just that - excuses.
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| Ask the Expert |
 Will my auto insurance cover me if something were to happen while driving someone else's car?
There are three things to consider when asking this question: the car owner's policy, the state you live in, and whether you have permission to drive the car or not.
Generally, auto insurance covers the owner and the owner's car. Many policies will cover any driver of the insured vehicle, as long as the driver had permission to drive the car. In the case that the car was borrowed without the owner's permission or stolen, the car owner's insurance would not be affected by the driver's actions. So, if you crash a friend's car that you were driving without their permission, your insurance will be affected rather than the car owner's.
Not all policies, however, will cover anyone who drives a car. Some policies are written to only cover certain people named on the policy. And the state you live in can play a role in all this as well as different areas have different rules.
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