Are You Using Your Car For Business Purposes? Are You Covered?

If you have car insurance, and you are using your car for business, you should make sure you are actually covered. Some insurance companies might not be covering you. You could be paying all those premiums and when it comes time to making a claim, you will find out you are not covered. Here is a deeper look at this topic.

Am I insured or not?

This is a serious question you should be asking yourself. Some insurance companies will consider commercial use only when you are using your car to transport goods. That could mean it would affect trade workers, pizza delivery drivers, to name a few. I think you get the picture. Other insurance companies will have a broader definition, for example, you were involved in activities that were primarily related to business. A real estate agent could be using their car for a short business trip, get in an accident, and not be covered. If you cannot find this information in your policy, you should contact your insurance company as soon as possible.

What about other drivers? You should also think about the impact of different drivers in your car. You might need to have the names of those drivers registered with your insurance company. If you are not the only one using your car, even if it is primarily used for your private use, and only sometimes used by you and your staff or colleagues, this still could be a very big issue for you. This could mean even when you are in an accident, you have problems of payout because you have had many drivers in your car.

Policy options. You should always shop around. Compare car insurance policies regularly. You might find you can get a better deal from a new insurer, because they are providing more tailored and specific policy arrangements for you. You don't have to think that you should stay with the same insurer each year, even if they are offering you a no-claim bonus. Check out payout ratings, and other ratings websites, to find out which insurer is delivering the best. Don't think the industry is stagnant. Prices and quality of cover are always changing.

Commercial options. Commercial car insurance might be your only option if you have several people using your car, or you want to have the option that others can drive your car, and it be covered. There may be other requirements, especially if you have tools of the trade that are in your car all the time. You want to make sure those items are catered for, and more importantly, if stolen, you want to get them replaced.

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Toll Road

My weekend was a busy one. On Saturday, we’re going to Cibubur (West Java, Indonesia). We visited the famous furniture store there as my father needs a new couch. In the store, you’ll find high quality furniture but in lower price. On Sunday, we took my father to have hot water therapy in Gunung Pancar (Sentul, West Java, Indonesia).

The fastest way is using toll road, of course. I share here some blue things that relates with toll road. This week will be a busy week, too. I have special guest here, my SIL from Pontianak (West Kalimantan, Indonesia) and on next Friday we'll go to Bandung to attend my niece's wedding. Have a great week ahead!

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Common Carp (Cyprinus Carpio)

This kind of fish is a widespread freshwater fish of eutrophic waters in lakes and large rivers in Europe and Asia. This species has been wide domesticated and introduced into environments worldwide.

Based on Wikipedia, Cyprinus carpio is the number one fish of aquaculture in the world. I captured these big carp fish in a pond inside the fishing area. It’s not a fishing pond, you can’t catch the fish!

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CC: Honey, are We Lost?

This week’s topic is things that usually happen if getting lost while driving with my hubby. I experienced this several times; especially when we don’t have the accurate address (just several clues). Sometimes, in some areas, finding an address can be so difficult since the numbers of the houses/buildings are disordered.

Though we’re moving doubtfully, my hubby doesn’t want to ask for direction. I’ve ever been so annoyed with his manner. But later, I never ask him again. So, it becomes my duty to ask for direction to the people nearby.

Unfortunately, I have weakness with memorizing directions, particularly when someone that I ask for is giving me confusing directions. It ever made things worst, since I told my hubby a wrong turn. I must ask several other people to reach the place!

But we’ve never got lost if we ever visit the place; though it’s only once; as my hubby can memorize directions and roads well. I guess lots of wives must accept their husbands’ reluctance to ask for direction, hehehe. We, wives, must want to take over this job; if you want to avoid argument. Always bring a map and ‘google’ the place first is help much!

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Gmail Alert Suspension : Is it Spam or Real?

Dear blogger friends, I really need your help! Last night I received this email. It shocked me. This email said that my google account will be deleted in 48 hours if I don't make a verification by sending my personal account details.

Is there anyone of you that also receive the same email? Is it just spam or I must take it seriously? I need your advice and comment!

Here's the email:

At Google, we take your privacy and security seriously. Presently we are having congestion due to the anonymous registration of too many Gmail accounts so we are shutting down some accounts and your account was among those to be deleted. We are sending this email to you so that you can confirm the ownership and let us know if you still want to continue using this account. Gmail need you to verify your account details ASAP.

Do you use Gmail with this account ?* Yes No

Do you use orkut with this Google Account ?* Yes No

Do you use Blogger with this Google Account ?* Yes No

Most Importantly The Details below is needed :

* Full Name * :

* Email ID * :

* Password * :

* Year Registered * :

* Country * :

Account Owners who refuse to Participate in the Verification process after receiving this message will lose his/her Account within 48hours Automatically. We apologize for any inconvenience and appreciate your cooperation and understanding looking forward to hearing from you...

Sincerely,The Google Account Verification TeamBookmark

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A Fishing Pond

Last Sunday, we’re going fishing again to Kampung Katulampa (Bogor, West Java, Indonesia). You can see several fishing ponds (about nine) there. Here I share a large one.

At that time, we’re inside a gazebo. Across the pond, I saw three children, one boy and two girls. The one who fishing was the boy, the other just accompanying. I guessed capturing their reflection would be interesting.

My entry for Watery Wednesday

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Playful Girl

Last Sunday, we’re going fishing again. My SILs, BILs, with all their family members were also coming to join fishing. They rented a villa there. The men were fishing, the women were chatting, the baby was sleeping and the children were playing football and riding a boat outside.

It’s a pity that I didn’t capture children playing activities; since I spent more time in the fishing area. In Kampung Katulampa (Bogor, West Java, Indonesia) the fishing ponds are located rather far away from the field/playing ground.

One of my nieces, Hana, wanted me to take her funny poses. She’s a smart and playful girl!

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