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January 26th, 2012 by admin | Comments Off

For anyone looking for favorable terms when buying insurance cover of any kind, insurance quotes are always important tools. With the insurance cover being one of the most important types of “investment,” getting workable quotes cannot be underestimated. This is because they play a major role in helping you determine what is fitting for you as they act just the same way as a price tag.

Generally, the cost of insurance cover is determined by a number of factors such as the type of the product that you want to insure. There are many different kinds of covers such as mortgage insurance, car insurance, health insurance and life insurance depending with what you are interested in. many insurance companies will normally give you a form which you are supposed to fill in with some information which will be used to determine the quote you are given. The insurance quotes are normally worked out depending with your requirements for each of the insurance covers you need. For example when you talk of the life insurance cover, things such as age and your current health status will have to play a role in the quote you get.

It is always wise to compare what different companies are offering before settling for a single company as your service provider. This is however possible and time-saving if you make use of the available and reliable insurance quotes available online. The use of these quotes could mean a lot for you as you save thousands of dollars in the process.

The use of the online quotes for the insurance can be useful not only when you are purchasing a new policy but also during the renewal of the insurance policy. This will be so especially if your policy comes with a premium increase as you might be interested in knowing what other companies are offering on the same products. There are many free insurance quotes that will help you in identifying these important comparisons as you get the right rates, fee comparisons, coverage as well as negotiation tools that will best suit your requirements.

Many websites are now offering free quotes from countless companies making it easy for you to get your desired estimations within a few minutes. This is normally designed to make the work easier as it becomes a tool to allow for a healthy competition among the different insurance companies. In fact as a client you can take advantage of this and get the best discounts available in the market.

Whether you are looking for the best cover for your mortgage or car, it is nowadays easy to carry out a thorough research and trace the most suitable deal for yourself. Whether it is for the optional or mandatory coverage, the truth is that you have no reason to make the wrong move or lose hundreds of dollars each year while you could get cheaper rates from some of these companies.

It is important to think of your insurance cover as a vital part of your life planning as you never know what might happen tomorrow. Check out on the many available insurance quotes online and plan your life accordingly.

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January 24th, 2012 by admin | Comments Off

At this years Mille Miglia North American Tribute driver Alain de Cadenet flew up on stage at the finish line with bad breaks. This created a hysterical result… Watch closely!

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January 22nd, 2012 by admin | Comments Off

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January 21st, 2012 by admin | Comments Off

Exactly what is crime? Simply put, crime is an act that violates the rights of a person, or persons, or their property. That’s a rather simplified definition. The actual definition is much too long for this article. But crime is not only a violation of a person or persons; it can also be an act that could endanger the lives or safety of the public in general. An example of that type of crime could include the firing of a weapon inside the city limits. By discharging a firearm in a populated area, you endanger the lives of all who live within the range of that particular weapon. The bullet could ricochet and hurt an innocent bystander, or if fired into the air, it could come down and injure someone. By firing the weapon in a populated area, the person who fired it has demonstrated a wanton and reckless disregard for the safety of others.

Crime affects us all in one way or another. Because of that, society has enacted laws designed to protect every man, woman and child. For instance, the person who shoplifts from the local department store causes all of us to pay higher prices for the products or services we need. Let me explain. When people shoplift it costs the company they steal from money because they had to pay for that product and they got nothing for it. They just lost money. Now imagine four people a day shoplift products totaling $20. In seven days they lost $140. But what if that company has 100 stores nationwide and each store loses $20 a day. That comes to $2000 a day, $14,000 a week. Multiply by 52 weeks a year and you get a whopping $728,000 lost every year. Now they have to implement security measures to control their losses. And it isn’t cheap. They have to install cameras, hire security people to watch the cameras and walk the floor, insurance for those people not to mention the salaries for each of them. On top of all that there is the cost of prosecuting

all those shoplifters.

Many companies spend millions every year to prevent theft. The money lost from stolen products, money spent on security and wages for the security staff has to be made up somewhere. Guess who has to make up the shortage? You guessed it. You, the honest shopper, ends up having to pay higher prices for the products and services you want.

But the price you pay for crime doesn’t stop there. You don’t get off that easy. Once the lawbreaker is prosecuted he/she has to be incarcerated. Housing, clothing and feeding criminals is expensive. In 2007 a local newspaper, The Sacramento Bee, reported that the average annual cost of housing prison inmates in the California prison system was $43,287 per inmate. In 2008 TV station WHAS in Louisville, KY. reported that the average cost of housing an inmate in KY. was $20,000. WHAS also reported that Kentucky has the fastest rising inmate population in the country, causing huge money problems for the people of Kentucky.

Crime costs all of us in higher prices for food, clothing, etc. and in taxes to pay for housing criminals once they are prosecuted.

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January 20th, 2012 by admin | Comments Off

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January 19th, 2012 by admin | Comments Off

I recently visited the wonderful island of Sri Lanka, and found a country full of surprises.

Sri Lanka is situated just south of India, in the Indian Ocean. Once known as the Dominium of Ceylon and often referred to as the tea country, tea plantations abundantly thrive across the island, with spice gardens, banana and coconut palms growing randomly to create a jungle of natural resources.

People, animals and transport seem to co-exist side by side with no animosity towards each other. Dogs wonder aimlessly across or bask in the sun at the side of roads, cows and goats roam around everywhere, even on the beaches (which I found rather amusing) and people are everywhere, whether walking, cycling, using a tuc-tuc, motorbike with 5 astride, in a taxi, bus, car or truck, each takes up a space of the not too wide road. But co-exist they do, there is no anger at being stuck behind a truck, merely a short hooting of the horn to say I am here and would like to pass, politeness abounds and the expression and sounds are all of friendliness, within a country that sorely needs help at redeveloping itself since the tsunami. People are poor and yet happiness is everywhere…. Not just for the child on the hip or the person at their side, but for expats and tourists as well.

Tourists fluctuate towards the resorts and some chance the areas slightly outside of these areas, to experience a quieter less harassed holiday. Small pockets of expats can be found, dotted all over the country. When you bump into these people and chat about life on the island, there is not much to complain about. Yes, sometimes the water gets turned off or the electricity, yes the internet is not as fast as they would like it to be. Isn’t that how most people feel in developed countries anyway: The faster it gets the faster we want it. In this little piece of paradise, expats are not too concerned that it takes a little longer to do things here, the people are prepared to wait, not too hasty to move forward too quickly. There was a lot of talk and concern about the elections and safety within the country and there are still road blockades and police / army personnel with guns wandering around keeping peace if necessary. However, with 70% of the population being Buddhists, the lifestyle is peaceful and life simplistic.

From an expat perspective, I could not fault the lifestyle. As said above, yes there are definite things missing, things are slower, it takes a good 4 – 6 hours to get from Colombo to Galle and similarly to anywhere about 200km’s apart. I cannot say that the roads are particularly in good condition, but in the 10 days that I visited, I did not see one accident. Hardships could include the lack of being able to get from one part of the island to another quickly, the lack of fast internet connection, perhaps the human waste / refuse, which allows for the influx of flies, the dirt which is left to lie around and lastly the lack of funds to rebuild the country to what it was before the Tsunami.

Having said that, I have to look at all the good things that you find there, the beauty of the natural resources, how the nationals and expats are trying to rebuild the country, the beaches, game parks and mountains. This is truly a beautiful part of the world.

Expat Cost of living summary

The currency in Sri Lanka is the Sri Lankan Rupee LKR

The Exchange rate as at 15 January 2010 was $1 = 114.217 Rupees

I am going to break the Cost of living down according to some of the basket items:

Alcohol and Tobacco: Alcohol at Bar, Beer, Cigarettes, Locally Produced Spirit, Whiskey, Wine

Cigarettes (20s) – $3.14 to $9

Domestic Beer(500ml) – $2.50

Imported Beer (330ml) – $5.80

Wine at a bar – $6 a glass

Wine at a shop – $15 (750ml bottle)

Hotels tend to increase the prices of alcohol as it is the one way that they can make a profit. There are many small hotels and restaurants which create a competitive edge to where you can stay.

Clothing: Business Suits, Casual Clothing, Children’s Clothing and footwear, Coats and hats, Evening Wear, Shoe Repairs, Underwear

Casual Long Sleeved Shirt (Men) – $12

Casual Long Sleeved Trousers (Men) – $20

Shorts (Men) – $11

T-Shirt (Men) – $6

Casual Blouse (Women) – $7

Casual Skirt (Women) – $12

Children’s Jeans (Boys) – $5

Children’s Jeans (Girls) – $3.50

Children’s Shirt(Boys) – $5

Children’s Shirt(Girls) – $4

Clothes are extremely cheap, in Colombo a person can get most of the name branded clothing at fairly reasonable prices in Factory shops.

Communication: Home Telephone Rental and Call Charges, Internet Connection and service provider fees, Mobile / Cellular Phone Contract and Calls

Monthly phone rental – $4.36

Phone call rate – $0.05 for a local call

Internet line connection fee – $104 (buy all equipment with installation)

Internet service provider fee – $17 (1 geg free thereafter)

Monthly mobile contract fee – $2.18 (for the year)

Mobile / cellular call rate – 90% of phones are prepaid,

Mobile Phone 100 Minutes Call – $38

- $0.012 – $0.05 sms peak times

Due to so many of the nationals working overseas to send money home, the communication costs are extremely low and there are often special deals or no cost is involved in the actual call.

Education: Creche / Pre-School Fees, High School / College Fees, Primary School Fees, Tertiary Study Fees

Annual Creche fee – $4.36 per month

Annual Primary school fee – $260 – $436 per month

Annual High School fee – $260 – $436 per month

Annual 1st Year Tertiary / University fee – $260 to $436 per month (dependent on which

private school they go to)

Private schooling is the most expensive on the island for expat children to attend, however the rates in comparison to other countries are reasonable. Expats that I came across spoke highly of the education system in the country and were happy with the private education that their children were receiving.

Furniture and Appliances: DVD Player, Fridge Freezer, Iron, Kettle, Toaster, microwave, Light Bulbs, Television, Vacuum Cleaner, Washing Machine

DVD Player – $87

Fridge / Freezer – $489 (LG / Whirlpool – 4 year guarantee)

Iron – $12 cheap to $35 top of the range

Kettle – $20 cheap to $37 top of the range

Microwave – $191

TV 21 inch – $244 (2 year guarantee)

Washing Machine LG – $570

Discounts can be negotiated with stores on all items

Groceries bought in a grocery store: Baby Consumables, Baked Goods, Baking, Canned Foods, Cheese, Cleaning Products, Dairy, Fresh Fruits, Fresh Vegetables, Fruit Juices, Frozen, Meat, Oil & Vinegars, Pet Food, Pre-Prepared Meals, Sauces, Seafood, Snacks, Soft Drinks, Spices & Herbs

Powdered baby formula (400g) – $7

Plain biscuits (100g) – $0.20

Loaf white bread (200g) – $0.70

Cake Flour (1kg) – $2.80

Baked Beans (415g) – $1.92

Tuna (185g) – $2.75

Cheese: Cheddar (250g) – $6.63

Crisps: Pringles (139g) – $2.50

Autowash clothing powder (750g) – $1.57

Dishwash liquid (500g) – $0.87

Clothing Softener (2l) – $5.40

Breakfast Cereal (250g) – $2.45

Butter (227g) – $2.18

Milk (1l) – $1.40

Eggs (12) – $1.80

Orange Juice (1l) – $2.80

Frozen Mixed Vegetables (1kg) – $6.20

Cooking oil (1l) – $3.22

Olive oil (500ml) – $8.28

Can of cola (355ml) – $1.00

Local Fizzy Soft Drink (1l) – $1.30

Local Natural Mineral Water (5l) – $1.08

Tea Bags (200g) – $1.85

Instant Coffee (100g) – $6.75

Local Ground Coffee (200g) – $3.66

Salt (400g) – $0.26

Pepper (400g) – $0.35

Prices were obtained from local grocery stores, there are no big department stores to shop in.

Healthcare: General Practitioner Consultation rates, Hospital Private Ward Daily, Rate, Non-Prescription Medicine, Private Medical Insurance / Medical Aid Contributions

GP Private rate visit with meds – $3.50

Hospital Private ward rates – $28 per day

Dentistry – Tooth extraction – $4.35

Most expats use Bupa or the Sri Lankan Equivalent

Household: House / Flat Mortgage, House / Flat Rental, Household Electricity Consumption, Household Gas / Fuel Consumption, Household Water Consumption, Local Property Rates / Taxes / Levies

Rent 2 bed Apartment City Centre – $700

Rent 2 bed Apartment outside of City Centre – $600

Electricity, Gas, Water, Garbage per – $80 to $90 per month for an average

household, this is expensive when taking household

air conditioning into account

Gas / Fuel – 12 ½ kg bottle – $14

Local property Rates – 8 to 10% of value of property

Expats cannot buy a property directly, this has to be done via a Lawyer who owns the property. Mortgage for locals is 4/5%. This is where most expats find the costs creep in, running the air conditioners is extremely expensive as well as the cost of water.

Miscellaneous: Domestic Help, Dry Cleaning, Linen, Office Supplies, Newspapers and Magazines, Postage Stamps

Domestic Rates – full time per person – $80 average

1 Black inkjet printer cartridge – $14

1 Color inkjet printer cartridge – $21

500 sheets printer paper – $5.23

Local Daily Newspaper – $0.17

International Daily Newspaper – $0.45

International Magazine – $20

International Airmail Stamps – $0.22

Domestic Stamps – $0.12

Domestic help is cheap and most employees either live on the property or close by. Office supplies are reasonable, with CD’s and DVD’s freely available on the street where most locals buy them.

Personal Care: Cosmetics, Haircare, Moisturiser / Sun Block, Nappies, Pain Relief Tablets, Toilet Paper, Toothpaste, Soap / Shampoo / Conditioner

Body lotion (400ml) Vaseline Intensive car – $4.53

Toilet paper 1 ply per roll – $0.50

Toothpaste (200g) – $1.92

Shampoo (200ml) – $2.40

Some of the items that can be purchased can be expensive, like creams, sunblocks and cosmetic creams. Name brand products are the most expensive.

Recreation and Culture: Books, Camera Film, Cinema Ticket, DVD and CD’s, Sports goods, Theatre Ticket

Books paper back – $10

Cinema ticket – $0.50

DVD / CD Imported – $2

Cricket ticket – $0.50 to $8

Theatre Ticket – only in Colombo – $30

Hard cover books are expensive in the country, but paper back books are of a similar cost to the US and UK. Cinema tickets are cheap due to the availability of cheap DVD replicas which can be bought on street corners. International cricket tickets are also kept cheap for the local population.

Restaurants / Meals out / Hotels: Business Dinner, Dinner at Restaurant (non fast food), Hotel Rates, Take Away Drinks & Snacks (fast Food)

Business Dinner excl Alcohol – $22 per person

Dinner / lunch at local restaurant – $8 per person

McDonalds Big Mac – $4.10

Hotel Rates 3* – $8 to $50 pppn

Hotel Rates 4* – $80 to $120 pppn

Hotel Rates 5* – $140 pppn upwards

Take away – Can of cola x 1 – $0.70

Medium pizza – $3.50

Hamburger – $2.00

Coffee – pot x 3 cups – $1.40

As in most countries how much you pay for a meal is dependent on where you go, the local restaurants have great local meals, as well as international flavours, we found a fabulous vegetarian restaurant in Galle, well worth a visit and all prices were fairly cheap. Some restaurants do take advantage of the tourist population and serve sub standard meals. However, most restaurants were good with their portions and meal plans.

Transport: Hire Purchase / Lease of Vehicle, Petrol / Diesel, Public Transport, Service Maintenance, Tyres, Vehicle Insurance, Vehicle Purchase

Hire / Lease car – Sedan Toyota Corolla – $37.14 per day for 1 week

Hire / Lease car – Toyota RAV4 – $46.71 per day for 1 week

Petrol unleaded per litre – $1.23

Diesel per litre – $0.64

Bus Ticket (one way) – $1.00

Taxi Ride – per km – $0.50

Tuc Tuc – 10 km ride – $6.00

Train Ticket 2nd class – $1.57

If you are visiting I would suggest you use the local taxis and tuc-tucs, driving can be a head-ache and unpleasant experience if you are not used to the local norms. However, speeds do not go over 80km on the bigger roads and overall a safe place to drive.

The above detail are some of the items form the basis of the cost of living indexes for each basket group in the Xpatulator calculators, these costs are then used with their indexes and exchange rates to calculate the cost of living in different locations.

For more information on Sri Lanka read more at www.xpatulator.com/outside.cfm.

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January 18th, 2012 by admin | Comments Off

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January 16th, 2012 by admin | Comments Off