Save Money on Car Insurance

If you own a car, you probably have car insurance. It’s one of those “must-haves” for all car owners, not only for your own safety, but for the safety of your car. But what most people don’t realise is all insurers are different which means they all come with a different price tag. The problem is there are so many car insurers out there it can get overwhelming trying to choose the right one. It’s not like choosing a dress or shopping for shoes; car insurance isn’t exactly fun. But it is fun saving money on car insurance so you can go out and buy that dress and those shoes, so here are some tips on how to save money on your car insurance.

What’s it Really Worth
While you might love your car unconditionally, unfortunately that doesn’t add any value to your car. It’s important you know the exact value of your car so you don’t pay more than you should on premiums. Even though the insurer’s website recommends your car is worth a specific amount, the premiums you eventually will be paying will reflect this value. This can be over- or undervalued so make sure you know the exact value of your car so you can pay the right premiums.

Shop Around
This is the most important tip. If you settle on the first insurance policy that lands in your lap, you’re probably going to be paying too much in premiums. There are a bunch of different car insurance comparison websites, so utilise them when trying to find a car insurer.

It’s also a good idea to call around to the insurance companies and ask what the excess would be if you had an accident. Some insurance policies can be up to 50 per cent more expensive for no apparent reason.

Combine Insurances
If you have a house, car, motorbike, and boat, you should choose an insurance provider that will happily combine all your insurance policies which will in turn give you a lower premium. This also includes your health insurance and any additional insurance policies you might have. Unless you are dealing with a car insurance only company, most insurers will offer a combined quote for all your insurance policies. This will also streamline the process if you need to make a claim and deal with the company as you will know the process for the next claim.

Whether you have a convertible car, sports car, family car or van, it’s important you have the right insurance to suit your needs. As with anything you sign up for, make sure you read the fine print so you know exactly what you’re getting into.
Julie works on behalf of UniTrust Insurance, a Perth business insurance company in Dubai specialising in insurance.

Car tyre fitting: Should you fit the new set on the front or rear?

Most of the cars nowadays offer front wheel drive and with this particular driving style, front tyres bear most of the strain, working twice as hard as the rear axle. Tractive, cornering, steering and most of the braking forces are transmitted via front wheels whereas most of the vehicles carry their weight over the front axle due to centre placement of the heavy engines and transmission components.

Let’s assume that vehicle’s geometry coincide with manufacturer’s specifications, most of the workload concentration is on the front axle that would wear them quicker than rear tyres. It’s only wasteful and uneconomical replacing all the four tyres just because the front ones have served their predefined tread limit. This is the reason most of the drivers frequently replace front tyres than rear. Let’s have a look at essentials of car tyre fitting so that you’d do it right!

Confused: Which axle the new pair be fitted to?
A vehicle bearing exactly the same size and fitment on the front and rear axle, the easiest and perhaps the most logical way is replacing front tyres. This is perhaps one of the biggest misconception due to quicker wear of front axles and replacing them would only make them last longer. For driver as well as vehicle’s safety, this is totally the wrong thing to do!

On wet tracks, the total amount of grip a tyre has is directly associated to its functionality on a clear surface so that rubber in the tread may come in contact with the road surface without slipping or aquaplaning. The primary groove functions, a tyre tread is dissipating water to the side so that you may ride smoothly.

So it’s obvious that worn tyre tread grooves won’t clear surface water properly as compared to the new set bearing full tread depth. It’s among the basic principles of car tyre fitting!

Why more rear grip than front is better?
For a clear understanding of this mechanism, it’s important to shed light on vehicle dynamics. During cornering, a vehicle typically experiences one of three dynamic states namely; understeer, oversteer and neutral cornering.

In this case or condition, tyres on the front axle don’t coincide with the exact axle as prescribed by steering rather they “slide” slightly wide.
This particular dynamic is totally opposite of understeer whereas tip/nose of vehicle follows a tighter direction or line than the prescribed steering angle. Lack of rear axle grip causes this!

Neutral handling/cornering
 This is the scenario where nose, tip or direction the vehicle follows the exact line as prescribed by the steering angle.

To manufacture a car with neutral handling especially when it comes to front wheel driving is extremely difficult where weight distribution is also on the anterior.

This is the reason most of the vehicle manufacturers build with natural understeer due to its safer handling characteristic.

In case a vehicle understeers (sliding widely in a corner), assume maximum front grip hasn’t been achieved or exceeded yet. Here, addition of steering angle would corner the vehicle safely.

From expert’s perspective, new car tyre fitting must be performed to the rear.

Antigua & Barbuda: 14 amazing facts you should know!

Antigua and Barbuda are the two stunning islands in the Caribbean. Of the both, Antigua takes the lead when tourism is concerned as it boasts charming village, monuments bearing distinct English accent and amazing sites to explore history of the islands. On the contrary, Barbuda is a star pick when it comes to flora and fauna along the coastal areas,

Antigua and Barbuda served as a refuge for pirates and sailors who left their footprint in the culture and many traditions practiced even today. All things considered, if you’ve a valid Antigua and Barbuda passport, make the most of upcoming summer vacations by flying to the place but for now, let’s have a look at some amazing facts.

  1. Nearest countries are other island nations that includeSt. Kitts and Nevis, French territory of Guadeloupe, Dominica and British regions of Anguilla and Montserrat.
  2. Total area of Antigua and Barbuda is 442 square kilometres that’s 171 square miles.
  3. Official language is English and total population of both islands is approximately 92,300.
  4. Among the both, Antigua is largest encompassing 281 square kilometres whereas Barbuda covers more or less 161 square kilometres.
  5. St. John’s is the largest city and official capital of Antigua and Barbuda. It’s located on the North-western coast of Antigua and a commercial hub with a country’s main seaport.
  6. Both Antigua and Barbuda are low-lying islands of which terrains are encompassed more by limestone formation instead of volcanic activity.
  7. The highest point is Mount Obama formerly known as the Boggy Peak. It’s remnant of a volcanic crater that rises to approximately 1320 feet above the sea level.
  8. The name Boggy Peak was renamed on August 4th, 2009 after the former American President’s birthday on the very day, none other thanBarack Obama.
  9. There aren’t any permanent lakes and rivers of significant size on the island nation. There’re however a few streams formed after mild to moderate rainfall.
  10. With a valid Antigua and Barbuda passport, you can explore the amazing shorelines boasting amazing beaches, lagoons and natural harbours. Islands are rimmed by shoals and reefs with special guided tour to the areas.
  11. The country is dubbed “The Land of 365 Beaches” because you can visit one beach per day for the entire year and have different experiences.
  12. The South-western coast of Barbuda with its Pink Sand Beach is among the beautiful natural attractions of all. The name comes after the champagne-coloured sand that glows in sunlight due to crushed corals spread all across.
  13. On extreme south of Antigua are English Harbour; a natural port and settlement that takes its name after the Royal Navy that established its headquarters on this spot during the 18th century.
  14. Explore Fort James with Antigua and Barbuda passport which was originally constructed by the British in 18th century to guard St. John’s harbour.

There’re many other amazing facts surrounding Antigua and Barbuda but it’s better to explore the island nation on your own and discover the best.

How to Wash Wool?

The most popular wardrobe that supports our winter is wool jumper. Beyond all the positive mumbles like "it's so warm and cozy" and etc., there is sort of a bad reputation of these being notoriously difficult to wash. Practically, cleaning wool isn't all that difficult (if done the right way). For those of you especially the housewives, who are concerned about how to Wash Wool the perfect yet easy way, the right method would be more than effective. So let's dig in and discover what's more in there for you;

Temperature to Wash Wool At:
While checking out the useful stuff on How to Wash Wool, many are often curious about what temperature they should prefer when washing wool. For sure, it's imperative to come up with a suitable temperate so that the water is warm enough to work up the stain and cool enough to prevent any possible damage to the delicate fabric.

Generally, 30 degrees or less is the perfect temperature to wash wool jumpers at. People practice it perhaps just to be on the safe side. But, it's essential if you check the care label on the garment ensuring that you are washing at a temperature that the material can easily withstand.

How to Wash Wool in the Machine?
It's quite simple to wash wool jumpers safely using the mild laundry detergents. Make sure to adjust the machine settings that are mainly designed to mimic the gentle actions just like the traditional hand washing. Just follow the instructions mentioned below;
  • Simply, place the wool jumper into the machine.
  • Add some Good quality but Gentle laundry detergent.
  • Use a mesh laundry bag to protect the wool from the drum.
  • Set the washing machine to either wool cycle or the hand wash cycle.
  • This way, the machine will wash automatically at cooler temperatures and the spin will be much slower to reduce the risk of damage to the material.

Unshrinking the Wool Jumper
In case you have unknowingly shrunk your favorite wool jumper, there are some chances to revive it back by gently unshrinking it. When the jumper is wet after washing, just lay it flat on the bath towel and carefully start stretching it. Make sure to secure the edges with sewing pins, then simply leave it to dry.

First you need to be very careful while washing the wool that it doesn’t shrink. In case it does, then you can use this method as a last resort. Through it’s a revival technique but it might not return to its originality. And also do it carefully or get it done from someone having good hands over such material because there are some chance of damage. While you are dealing with such material, just keep in mind one thing. The correct garment care is the best option to get along with.

Note: in case you prefer the direct traditional hand wash over the machine would, it would simply be a great idea. Hand washing such garments produces great outcomes for sure.

Are you wonder how to wash wool the easiest yet effective way without getting it damaged? Just check this out.

What to have and what not during the course of pregnancy

Pregnancy brings about changes in your physical appearance, emotional state and food habits. You may grow an aversion to certain food, especially in the first trimester. In the later part, you may also grow a craving for food. However, it is very important to note that although you may have grown an aversion to certain or many types of food, you need more nutritious food than before since the foetus developing in your womb needs nutrition. Although the doctor will prescribe folic acid and vitamin capsules to supply the extra nutrition, this may not be enough since your normal food intake shall likely come down drastically, at least in the first trimester. This calls for some healthy recipes for pregnant women that taste good to you and that you can have in ample amount. This will compensate for lack nutrition resulting from the lack of regular diet.

Vegetarian or non-vegetarian food
It all depends on the individual taste. Both vegetarian and non-vegetarian food can be nutritious. However, some women grow an aversion to non-vegetarian food such as egg, fish, chicken and mutton. If you are among them then you can have nutritious veg food. Beans, sprouts, corn, spinach, a variety of vegetable salads, etc. are some of the very nutritious vegetarian food.

Vegetable soup
A vegetable soup made from beans, carrot, beetroot, spinach, and tomato, and spiced up with some onion, coriander, cumin and chilly is one of the most nutritious and tasty pregnancy diet recipes.

1 cup of kidney beans, 1 carrot (grated), 1 beetroot (diced), 250gram spinach (chopped), 2 onions (chopped), 2 tomatoes (mashed), cooking oil, two green chilli, 1 teaspoon coriander powder, 1 tsp cumin powder, 6 cups of water, freshly crushed black pepper and salt to taste.

How to prepare

Heat up 2 tbsps oil in a large pan, and add the chopped onion, carrot, beetroot, and garlic to it. Sauté the mixture until the onions turn translucent. Remember, onions will not become brown or golden brown. Now add the beans and the chopped spinach into the mixture and stir for a maximum of two minutes. Now add green chili, coriander powder and cumin powder and cook for another 2 to 3 minutes until the aroma of raw spice has become subdued. Now stir in tomatoes purée and salt into the mixture and after stirring for another 1 or 2 minutes add the water. Bring the mixture to boil and then let it simmer over medium heat until you can feel that the vegetables have become tender, and the stock has become a little thicker than water. Take it down from flame, add the crushed black pepper and salt, and have it lukewarm. You will love it.

Aloo matar Poha

It is an excellent source of iron, and you need to put the poha in a sieve and keep it under running water for 10 to 15 minutes. Then drain out all the excess water and put in a non-stick pan. Then go on to put the essential masalas in it. Add the onions till it turns brown. You can put potatoes in heat it in medium flame till it is cooked. Then you just need to add a little bit of sugar or salt with it and serve it hot.