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Excerpt: Leaping into production in 1958, the Donald Healey Sprite was a low cost sports car which used existing BMC parts to ensure over heads of the cars productions remained low. The Austin Healey Sprite would prove to be a big success. The commonly named “Austin Frogeye”, the Mark I Sprite, was a massive success in its three years of production, with no other car competing on price or performance. As its widely used nick name suggests, the distinctive look of the Mark I Sprite owed itself to the round headlamps on the bonnet of the car, nicked named “frog-eye” headlamps….

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Excerpt: International organizations are now more or less agreed we have an epidemic of obesity! So, for the research community, the big question is which diet to recommend. Note the “recommend”. There’s no willingness in any government to try forcing a change in what we eat. The best first step is to recommend the most effective diet based on the best available evidence. There are a number to choose from under the general headings of low-carb, high-protein, high-fat diets. The problem with much of the current evidence is the small number of people enrolled in short-term trials. To be able…

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Excerpt: When you are searching for low cost health insurance an HMO plan is likely to come across your radar. HMOs, or health maintenance organization plans, offer some of the lowest cost full coverage insurance benefits but they have certain drawbacks. With an HMO, you will be treated exclusively by doctors and medical treatment centers that are in the HMO network. If you receive treatment from someone outside of this network, unless it is an unpreventable emergency, your claim is likely to be denied. Unlike a PPO, HMOs do not offer any coverage for treatment received outside the network unless it is…

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Excerpt: As we await the results of the biggest US Presidential Election we have ever seen, I have found an interesting article on how car choice reflects how Americans vote.Kelley Blue Book Market Research surveyed almost 12,000 US car owners and how they planned to vote in the election. They found that owners of larger trucks and traditional luxury cars are more likely to vote for John McCain, while owners of hybrids and station wagons are more likely to vote for Barack Obama.Backers of Arizona senator McCain typically own American brands – GMC (61%), Chevrolet (60%), Buick and Dodge (58%). McCain…

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Excerpt: One of the more reassuring myths we have today is that it’s always possible to achieve certainty. Even if it’s only being wise after the event, we can always tell who was at fault, who deserved to win, and so on. This gives us all a pleasant feeling of security. If we feel someone somewhere is in control of “things”, we are trusting and more confident “things” will turn out right. Except, of course, there’s no such thing as absolutely certainty. As anyone with even the vaguest interest in sports or gambling and setting odds will tell you, everything can…

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Excerpt: It does not matter which part of the country you look at, the recession has been biting hard. One of the less obvious effects has been the fall in the amount of tax revenue collected by city councils and state governments. Property taxes? Well, no properties have held their value and many are unoccupied and awaiting sale. The take from local sales taxes and other sources have also fallen. There are deficits everywhere. No one wants to raise any of the taxes. Everyone in politics is therefore playing the game of finding cuts to public services. Except, every now and…

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Excerpt: There are many aspects of your health and habits that must be taken into consideration when you have a health insurance policy underwritten. These things work together to create the general risk that you life presents to the insurance company. It is not until all these factors are considered that your insurance agency can determine whether or not to issue your policy and what premiums to charge. Here are some of the main factors that health insurance underwriters consider when reviewing your health insurance application for approval. Your medications: The meds you take give a good insight not only on the…

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Excerpt: You cannot be sure that you’ve gotten the best health insurance coverage unless you understand health insurance terminology. Here are some of the most commonly used terms in the health insurance industry. COBRA: The Act that allows for continuation of group coverage for a limited time after you leave the group. Co-insurance: The amount you must pay for treatment after copayments and deductibles. Copayment: The fixed amount that you must pay out-of-pocket for physician visits, medical procedures and prescription medications. Deductible: The out-of-pocket amount you must pay before your policy benefits start kicking in. Exclusions: Any medical conditions or illnesses whose expenses are not covered…

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Excerpt: When your auto insurance policy is underwritten, your insurance underwriter attempts to figure out whether or not you should be approved for the policy, what you should be charged and if there should be any special amendments to your policy. Many different factors and traits are considered during this process including: Your motor vehicle report: Your motor vehicle report (MVR) is a report that shows your driving record. It shows all the tickets you’ve gotten for reckless driving, speeding, and not obeying general traffic laws. This report is extremely important in determining how risky you are to insure. If you have…

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Excerpt: One of the most basic and popular types of life insurance policies available is the whole life insurance policy. Whole life insurance policies pay out a death benefit over your entire life, unlike term policies which only pay for a certain period of time. In addition, they accrue cash values. Life Coverage in A Whole Life Policy Whole life (or permanent life) insurance policies generally require medical underwriting and offers a death benefit for you entire life, as long as you pay your premiums in full and on time. If your health changes and you become uninsurable, it won’t matter as long…