Life After Death

Following my accident when I was severely burnt, my last memory was being injected morphine at Staincliffe Hospital, Dewsbury, the place I was born and nearly died; following this I was rushed to Pinderfields Hospital at Wakefield where I was to spend the most painful 13 weeks of my life.

My next memory was awakening and finding me stood in a darkened room and in the far corner was a bed, to which all sorts of electronic equipment were attached beeping away and in the bed seemed to be a person but I just wanted to get away from the place.

Strangely all the pain I had previously suffered was gone like one big nightmare, I remember in my disorientated state somehow leaving the room, into a long deserted corridor, illuminated sparsely with a few night lights.

As I approached the end of the corridor a nurse came out of a nearby staff room, laughing merrily at some joke her and the rest of the staff must have been sharing, as she turned and walked towards me I just froze, however, her eyes showed no acknowledgement of my physical presence as she passed by me.

I called out to her when she was about 15 feet past me but she showed no signs of either seeing me or hearing me, I thought this was a little weird by now, but my instincts told me to find an outside door and get away from this strange place.

After a while travelling through the maze of corridors I found a locked exit, upon trying the door to my amazement I found my hand just passed right through it and to my utter bewilderment I found I could walk right through it, I could feel no warmth or cold, I seemed to myself what I can only describe as a physical point in space that could see and hear but could not interact.

With further astonishment I now found myself perhaps 150 foot up in the air and heading through the night, below I could see the tops of the street lamps and a few cars wondering around, I distinctly remember flying over a railway viaduct and towards the city of Wakefield.

The neon sign over the nightclub called Rooftop Gardens drew me like a magnet being familiar with the place during my many nights out with my friends The Gangster and The Savage One, I must of thought in retrospect that a familiar place would relieve me of all this craziness but I was flying for Gods sake.

I came down to land near the entrance to the club in front of two of the bouncers I remembered from yesteryear I had on many occasions in the past greeted these two individuals however on this occasion they just continued their small talk oblivious to my sudden appearance from the night sky.

I paused to think and reached out with my hand to touch a nearby wall that was adjacent to the clubs entrance but my hand appeared to have no physical substance and just passed into the fabric of the wall.

It was now that the awful truth finally dawned on me… The people unable to see or hear me, The wall, The doors to the hospital, just suppose they were perfectly normal? Just suppose that it was me who had changed? What if for example I had somehow lost my ‘hardness’, my ability to grasp things, even, to make contact with the world – even to be seen?

I mean what is the point in going anywhere if as the final shreds of my rational mind pointed out if you cannot be seen, and what was that mound in that bed in the little hospital room I had left could that have been my physical body?

I didn’t like this line of thought a human being is not separated from his body unless he is dead, then what state was I in now.

It can go through doors without opening them, it can fly like a bird, it does not feel cold or warmth and remarkable these qualities are, they are no good if one cannot be seen. I decided at this point to go back to Pinderfields and see if I could reacquaint myself with my body, surely pain is better than this.

No sooner had this thought occurred to me I found myself moving at incredible speed through the night back to the doors of Pinderfields, it seems in this strange state you travel by thought alone, handy this may be but the novelty soon wears off rapidly.

Now Pinderfields is a big hospital and in my rush to get out of there I had forgotten just where I had left my body (or indeed what was left of it by now)

I just didn’t have a clue which room it was in. I rationalised that it must be somewhere in the burns unit but it was no use asking the doctors or nurses because they couldn’t see me or hear me.

After an extensive search I managed to find the burns unit and by wondering from room to room I finally found the room I had left earlier and there I was lying unconscious, wired up to an whole variety of strange gadgets.

At this point out of pure desperation for something to do, I decided to recite the lord’s prayer something I had learnt many years ago at school.

The very next moment the absolute impossible happened; a tiny pinprick of light at the side of the bed began to grow brighter and brighter, at first not noticing the pin prick of light I thought it was a tiny night light that was the rooms only illumination that was getting brighter.

But then I saw it was coming from beside the white bedside table at the head of the bed, it continued to brighten as I watched, it brightened to such an extent that had it been any ordinary light I would most certainly of been blinded.

The next moment there flooded directly into my mind the words “Stand Up… you are now in the presence of the Son of God”, whereupon out of the light stepped what I could only describe as the most magnificent being I have ever known.

Thankful at last for a little company in this strange situation I joked “That’s it! Just like that… I am with the Son of God… Isn’t there a reception area or something before we meet?”

I felt a presence of Power and pure love that was older than time but yet more modern than anyone I have ever met.

In the first stage of my experience, what I can only refer to as the earthbound state I had lost three of my senses; smell, taste and touch, however in this further stage in the light, time disappeared completely, a bit like in a dream and I was aware of all my thoughts and actions in my life up to the present day as on big whole.

Every moment in my life was recurring before me at one and the same instant as part of some enormous four dimensional sight and sound mural.

I guessed this was my life review.

But emanating from the being projected pure love, up to that point in my life I had come across much laid back always blaming anyone and everyone for the results of my actions

I also saw from a further dimension an observation of my interactions with others from the other persons point.. I also saw parts of the future which was hazy however I distinctly remember being told that a girl I had met but would never marry had an important role in the creation of my son who was very special. I saw all of my educational achievements so far were purely superfluous but it was the way I treated others that was important and I could see the consequence of my lack of interactions with my fellow students at York University (which I had luckily just graduated a month before).

I could see how the other students saw me as weird and very anti social and they tried to avoid me where possible so that they could avoid the negative effect I had on them hence leading to a deeper feeling of depression thus increasing my isolation.

An endless viscous circle that had dominated my life.

I even could see the hurt on my best friend – The Gangsters emotions when he pulled a bird called Cherelle at Rooftop Gardens, but, I had done my best to split them up by pouring a pint of lager on her head and being very rude.

The tapestry of life was in front of me and I could see how my decisions now would effect the future all of my ambitions of being wealthy and having many material possessions was regarded by the being of light with has much distaste as was my lack of enthusiasm for interacting with
my fellow men.

I could see how my life would change and where I had once sought money and possessions I now treasured simply making other peoples lives more pleasurable at the expense of my own wellbeing.

The being of light then turned to me and said via thought dynamics “Michael, What have you done with your life so far?” I replied using my mind “Why didn’t someone tell me this was what life is about?” the being replied “Somebody did nearly 2000 years ago in your linear time – me!”

I suddenly found myself on the move again, this time we didn’t bother about doors it was straight up through the hospital roof, then we flew at incredible speeds across the surface of the earth however there was no wind to slow us and just a few moments later I found myself approaching a city beside a huge expanse of water.

In the city all the streets and offices were unbelievably crowded, and I could see people passing through other people like they wasn’t there.

We walked into a factory and I saw assembly line workers who were putting together lawnmowers enjoying a coffee break while behind them a woman was pleading for a drag of their cigarette as through she wanted it more than anything in the world.

When one of the workers clearly blind and deaf to the women behind him actually took a cigarette out of his packet and began to smoke it, the woman repeatedly snatched at it but, it was as if she was clawing at thin air.

I came to the conclusion that those people must be ghosts, even though they were dead, they remained chained to the material world by the very things they had deemed most important during their lifetimes their jobs, their cigarette smoking their material possessions.

Myself and the being of light moved from city to city visiting endless places he had to show to me, in one house I remember a younger man followed an older man from room to room “I am sorry dad!” he kept saying repeatedly “I did not know it would do this to my mum – I just didn’t understand!”

The older man was carrying a tray filled with tea and toast into a room where a clearly unwell elderly lady was sat up in bed “I AM SORRY” the younger man cried in frustration over and over again but, clearly his agony fell on deaf ears.

“Why is he so sorry?” I enquired to the being of light, referring to the younger mans pleas “He committed the ultimate selfish act” said the being touching his long beard “suicide” he continued with tears welling in the corner of his eyes “and chained to every consequence of their act of cowardice they are well and truly earthbound” he finished but I knew the answer before I asked.

My next visit was back to the night club in Wakefield called Rooftop Gardens where I had visited earlier in my disorientated state, but, without the concept of time earlier and later were meaningless it is a bit like telling someone bind from birth what is like to see.

Inside the nightclub was an impossibly crowded place where I watched ghost alcoholics mingling with living drunks and whenever a drunk lapsed into a drunken stupor a desperately thirsty ghost sprang inside his body so that the two became one.

The living could be distinguished from the ghosts by a faint cocoon of light around him, however when any living being became inebriated their light cocoon faded, enabling one of the many hovering ghosts to take over their body and literally possess the person.

S horrific was the scene that the only words in my mind that could describe this was “hell”

The mingling ghosts with their eyes so set on alcohol desperately clutching at real life beer glasses had blinded themselves to the magnificent being that accompanied me – Indeed the being told me to keep my eyes firmly on him – probably he was aware of my past record.

In this world of thought far beyond space and time (Thought is a more fundamental principle than the illusion of space or time which pale into mere shadows) it can seemingly be either heaven or hell of your own making.

Earthbound ghosts destroyed by hatred, lust and destructive thought patterns find that whatever they think however fleetingly or unwittingly became instantly apparent to all those who was around him and more completely than words could of expressed it and much faster than sound waves could of carried it.

The thought most commonly communicated amongst earthbound spirits was usually selfish thoughts and this by its very act kept the being earthbound, the being it seemed felt only compassion for these unfortunate souls but he knew it was their will not his that kept them there.

I felt like scrooge in The Christmas Carol having this wise being accompany me back to the hospital for the final time, I wanted to start my life again a fresh when I would care far more about other people and not myself.

No longer would money and possessions be my supreme objective but I would live my life with a desire to make other people happy – the old Mad Mick was truly dead and the new one ready for a reincarnation.

We entered the hospital room for the final time and the image of the being and the bed before me faded – the walls that surrounded my little room at Pinderfields became solid again it was early morning and I was informed by a nurse who had come into open the curtains that it was two days since my accident.

The pain was still there but somewhat dulled by the drugs I had been given, It was to be another thirteen weeks before I was released and I had many more strange experiences in there but nothing that could be compared to the one I have shared with you all.

After subsequent research into my favourite subject Physics I have found that with the merging of two theories of the universe Quantum Mechanics and General Relativity it appears that the 3 dimensions of space and one dimension of time is in fact an illusion created by the world of thought.

Spirits who remain earthbound do eventually find that the hatred and envy are the very emotions that keep them there but wouldn’t it be easier to help our fellow human beings while we are alive.

“Lay not up for yourselves treasures on earth” Jesus…

10 Shopping Tips – Fashionable Finds Are Possible For Under $25!

When it comes to shopping sometimes the $20 sandals flatter you more than the $400 designer sandals. Style is not in the price, but in your approach. You can get more for less if you are savvy about your shopping. Fashionable finds are possible for under $25. How do you do it? Here are 10 Tips to think about when you’re out on a shopping expedition:

1. You Can Find Deals in Unexpected Places.

I got a purse for a steal at a Nine West shoe store in New Jersey. Not a shop I would normally think of to buy a purse. But I spotted it in the front window and fell in love. (Although maybe not as deeply as with my husband.) When I went into the store to ask a sales clerk about it, I thought this gorgeous tan satchel would be expensive. It looks like something that would be appropriate in Grace Kelly’s or Audrey Hepburn’s wardrobe closet. But now it’s in my closet.

2. Set Your Budget and Stick with It.

Yes, you’ve probably heard this before. However, forced to work within a box, you will come up with creative ideas. One year for Christmas, I set a working budget of $25 each for my nieces and nephew. Instead of getting them each one gift, I got them a number of small funky gifts and they each had 3 presents to open. It made opening gifts more exciting for them.

3. Read fashion magazines to get an idea of the trends.

Many clothing companies with budget-happy fashion lines will replicate the “look” or “feel” of pricey designer fashion. I read everything from New York magazine and the NY Times Fashion to Vogue, Elle and fashion catalogs to see what’s happening out in the fashion world. Go to your nearest public library and those fashion mags are FREE! If you learn what is cutting edge then believe me you will find cheaper versions of the trends. Or you will learn how to put an outfit together in your own expressive way.

4. You can find reasonably priced gifts at even the most expensive stores.

For example when I go online to Saks Fifth Avenue I can look under the gift category “Under $50.” Today for “$25 and under” I find: a Kate Spade notecard set, a hip style book on Dolce and Gabbana and Fresh waterlily soap—all would make lovely gifts. The price is so reasonable for the soap you could even include a little something else so that the recipient has another gift to open–always more fun. Go to a pricey chocolate shop. Then buy the smallest, but always tasteful box, sometimes under $15. Put it in a nice gift bag with the heavenly scented waterlily soap. Your gift card can read: “You deserve a little elegance in your life.” What friend wouldn’t be flattered.

5. Be open to new opportunities.

When I travel to new cities I like to explore new shops. I usually end up in the artsy section of town. To me that means galleries, museums, maybe a university–and fun shopping. I collect business cards of the stores I love and make notes or take pictures of what they have so I can call them and order from them later. If a town has a college or university it has plenty of stores with low prices to satisfy the students. And me too.

6. Know your own style.

Allow your self the luxury of an expensive item that you just can’t pass on. Especially if it defines “YOU.” Find deals for other purchases. I coveted a $99 sweater from J.Crew, but then I bought a purse for only $20 for a wedding. You can justify the expensive purchase. The sweater will last for years, amortizing into less money. If I wear the sweater often, cost-wise it pays for itself, while the wedding purse I might only use that one time.

7. Accessories are inexpensive ways to refashion the look of your outfit.

An $8.00 leopard print scarf I bought at H&M compliments my chartreuse cardigan, jeans and black boots. It’s a dressy-casual look that suits my style. And the scarf goes just as well with a knit purple dress and heels. A few strategically picked accessories means less outfits to buy.

8. Consider buying your purchases in the months they are traditionally on sale.

If you’re not in a rush to buy new towels then why not wait until January or August. Or if you thinking of painting your bedroom Robin Egg blue, that paint will be cheaper in April.

9. Sign up for email blasts from your favorite stores.

Stores will alert you to their sales and often give email subscribers exclusive discounts. You will learn about sales before the average customer. Then instead of spending a fortune on the skirt you admired earlier in the season you can scoop it up at a bargain.

10. Shop from your home and comparison shop online.

Yeah, why not. Shop in your pjs, my favorite way to shop. What do you think?

Small Bathroom Remodeling Ideas Need Not Always Be Expensive

There are numerous small bathroom remodeling ideas which you can find in the market today but not all can be truly depended on. This is for the fact that the tiny bathrooms are definitely tough to renovate and change into something that looks better. So here are some dependable ideas which you can apply in your own bathroom.

First is very practical advice and that is to never ever cramp up or clutter your tiny bathroom with unnecessary stuff. Take away all impractical appliances and just make everything simple. Choose simple designs as well from your sink, to your mirrors and even down to your shower stall.

When you reduce the sizes of the stuffs inside for your small bathroom remodeling, you can get a lot of more space to move around in. Another great idea would be to take out any accessory that is bulky inside the room. For instance, you may want to consider moving out the bathtub out and just install a shower stall.

You can also consider installing a shower pan and then just surround with a pleasant curtain or just a simple yet durable plastic stall. You can search the Internet for more bathroom shower stall ideas for this one.

Your small bathroom remodeling plans can also be as simple as just changing the hardware around or maybe repaint some sections which could be a great makeover plan. You can also give it a new look by having the tiles changed with new ones of various types you can find in the market today.

All these well stated ideas can be easily implemented especially if you want to pursue a do it yourself project or maybe you suddenly want to save some on your budget. All these are advantageous and won’t necessarily cost a lot than you expect it to be.

To make your small bathroom remodeling plan more effective, you can consider drawing a simple sketch of your small spaced bathroom. One good thing about this tip is that you will be able to see the change that your bathroom will have from its past look to the current and brand new appearance.

If all else fails, just settle for the most affordable and easiest remodeling step which is to paint it new. Just make sure that you choose the right shade of paint and be decided with the theme of your remodeling task for your bathroom.

Car Rentals is a Must For Every Traveler

The Gold Coast is an ideal holiday destination for you and your family. It has everything that can make your holiday down under a memorable one. The Gold coast is arguably the best tourist destination in Australia with almost 10 million tourists enjoying its fabulous surf beaches, unparalleled theme parks and dense rainforests every year.

The most visited tourist spot in the Gold Coast is Surfers Paradise. The place offers you with many entertainment options to explore. You can indulge in various exciting activities like surfing, jet skiing, fishing and parasailing during your trip to Surfers Paradise. Apart from these, Surfers paradise is also well known for its active nightlife and unmatched facilities for beach volleyball, golf and bungee jumping.

Along with the surfers paradise, you will find many other tourist attractions. The American Style Theme Parks are few of them. These parks have in stored some of the most exciting options for you and your family. Dreamworld, Movieworld and Wet n’ Wild are the three most famous theme parks in Gold Coast. While planning a trip to these parks, make sure that you have ample time in your hand because these parks are too big and too wonderful to be done with in a single day.

Gold coast is also the home of some of the most incredible architectural masterpieces. The Q1 Building (world’s tallest residential building), Gold Coast Arts Centre, Ripley’s Believe It or Not Museum are the finest examples. You can’t even afford to miss out the attractions like Tropical Fruit Farm, Sea World and Currumbin Wildlife Sanctuary, during your trip to Gold Coast.

Car rentals gold coast is one of the ways to witness and admire the real beauty of all the tourist attractions. By renting a car, you can visit all these places at your own will. There are many car rentals options that are available for you in Gold Coast. You can go for one way car rental plan, which includes picking the car up from one place and dropping it to the other location. Generally, this plan is preferred by people, who hire cars between airport locations. Another one can be two way rental, which is normally taken up by tourists.

During peak seasons, you might also get some bonus or special offers on your car rental plan. In spite of the plan you choose, make sure that you negotiate with the car rental company.

After all, at the end of the day, it is your money!

The ABT Sportsline Audi R8 Super Car Tuning Program

The Audi R8 has been one of the most anticipated and sought-after cars since it was first introduced by the German automaker during its tour of the world auto shows in 2006. Its sleek lines, and modern design paired with its incredible performance makes it a very competitive model in the exotic car marketplace, while its mid-engined layout and two factory engine options provide the perfect platform for a super car tuning program. The team at ABT Sportsline has developed a range of upgrades that are designed to build upon the factory platform and increase performance dramatically for the German sports car. The range of modifications includes engine tuning, chassis and suspension modifications, aerodynamics, and new wheel and tire options.

One of the most important parts of the super car tuning program by ABT Sportsline for the Audi R8 is the engine upgrade enhancements. Both the 4.2-liter V8 and 5.2-liter V10 engines can be upgraded with a host of modifications. Items that are individual but unique to each engine type include racing air intakes with carbon fiber construction, lightweight stainless steel exhaust systems with racing catalytic converters, sport air filters, new spark plugs, and also carbon fiber engine covers. New ECU software tunes that were engineered by ABT Sportsline optimize the ignition, timing, fuel injection delivery, and other parameters to produce a wider power band with a higher overall output of horsepower and torque. For customers that want an extreme super car tuning program for the Audi R8, the German aftermarket company can install a new supercharger system that will drastically increase power output.

In addition to the engine super car tuning program, the Audi R8 4.2 and R8 5.2 can be outfitted with a range of aerodynamic options that optimize downforce and drag. Upgrades range from new front spoilers and air intakes, side skirts, extended fenders, new rear bumpers and diffusers, and trunk lid spoilers. The increase in downforce helps to improve high-speed stability and handling for better performance on the race track.

There are many chassis options available from ABT Sportsline for both Audi R8 models. The factory suspension can be modified with new coilover setups with adjustable damping, camber, and ride height settings or sport springs for better handling dynamics. New brake systems can range from carbon ceramic to steel rotors with larger six- and four-piston calipers at the front and rear axles. New ABT Sportsline DR and CR lightweight alloy wheels with corresponding high performance tires can be installed for better grip and traction.

All of the new products for the Audi R8 super car tuning programs are currently available from ABT Sportsline and can be purchased as a package if customers choose to do so.

Travel Nursing Benefits

Travel nursing gives you the right opportunity to satisfy your medical aspirations. With travel nursing jobs, you can choose the most stressful and fulfilling process of serving people, located in various states of the United States. All you have to identify a good placement agency where your dreams can be turned into a reality.

There are many traveling agencies who recruit travel nurses to place them in different hospitals and medical facilities in order to fulfill the shortages of medical personnel in different parts of the US. However, the compensation package, accommodation and utilities of each placement agency vary from each other. Being a new phenomenon in the healthcare sector, travel nursing is seen as the bright future for women going for full time nursing career. Normally, traveling nursing jobs are set up for a short term basis but it can be extended after the mutual agreement from both the employer and nurses part.

This can be chosen for many reasons. One of the main reason is this job can fulfill your traveling desires. You gotta see different geographies and feel their difference and exclusive beauty. Secondly, you can experience the working of nurses in different cities or states of the United States. Besides these, you will be awarded with a good and well furnished home, attractive salary package, other allowances and benefits to enjoy a great and high standard of living. Above more, it is the duty of travel agency to help nurses to get their passports, work licenses and other documents in order to work comfortably.

These jobs also offer other advantages including above market payment rates to live and work in a new place or area. It also includes provision of certain utility services, health, dental and workers compensation as well as payroll benefits. Many times a traveling nurse agency also offers 401K and other retirement plans. A travel nurse is paid by the agency it contracts with and the mode of payments is generally by direct bank deposit checks.

So if you are a nurse, trying to make a good career, opting for travel nursing can give you some of the added advantage.

Do You Know The Pros And Cons Of Hemorrhoid Pillows?

Hemorrhoid pillows are popular amongst sufferers today because the use of these pillows helps to relieve the symptoms of itching and pain associated with some types of this ailment.

There are two main types of hemorrhoid pillows:

1-The doughnut cushion: This type of hemorrhoid cushion is commonly called a doughnut or ring cushion because it has an O-shaped design. There is an opening in the middle of the cushion that enables the sufferer to sit on the cushion without allowing direct contact between the inflamed anal tissues and the surface of the pillow.

These doughnut cushions come in inflatable or solid foam styles but the inflatable types are more commonly used than the solid foam types.

2-The support cushion: This second type of hemorrhoid cushion works more like a conventional pillow. This type of pillow also helps to reduce the frictional pressure on the inflamed anal area.

Unlike the doughnut pillow that has a hole in its center to provide an open space for the bum to hang, the support pillow relieves the friction by providing a very soft surface for the sore anal area to sit on. These support pillows also come in inflatable and solid foam designs.

The choice of the pillow that you would like to use is determined largely by your own personal preference as both types are equally effective.

However, before you decide to make use of these pillows it is advisable you know what you stand to gain or lose by making use of them.

Pros of using hemorrhoid pillows

-The use of these pillows provides you with a simple and easy way of relieving your symptoms; they do not have side effects and you need not worry about the fear of using overdose of ingredients unlike when you use other hemorrhoid medications.

-The effect of these pillows is felt very fast; as soon as you sit down on these pillows you will begin to feel relief immediately.

-Hemorrhoid pillows are inexpensive; most of them cost between ten to twenty dollars.

-Inflatable pillows are portable and they are easy to carry around; once they are deflated you can easily fold them into your bag or pocket.

Cons of using hemorrhoid pillows

-The use of these pillows can only address the symptoms of hemorrhoids superficially; they do not address the actual disease itself. They can only help to lessen the symptoms before the effect of more major treatment sets in.

-It is even possible that if you sit on these pillows for too long they can actually worsen your symptoms. Sitting on these pillows for too long can impede blood flow to the anal area and it can also increase the pressure within the bum area.

-If you have large or prolapsed piles using these pillows might actually worsen your symptoms. So if you have huge very painful or prolapsed piles you should consult your physician before you use them.

Although hemorrhoid pillows are good for quick relief of hemorrhoid symptoms, they can not give total cure of the hemorrhoid symptoms and their use is limited mainly to the mild and moderate forms of the disease; their use is not really advisable in the treatment of the severe and giant-sized forms of piles.

What It Takes to Save Money on Car Insurance

You can save money on car insurance and you can do so without going to extraordinary lengths to do so. Insurance costs continue to rise, but you can hold these increases in check by employing several proven strategies that are designed to save you money.

Driving Record

Your auto insurer is likely already familiar with your driving record and has a record of your driving history going back several years. Do not assume that this information is complete or accurate. If you have a flawless driving record, your insurer will typically reward you with a discount of at least 10 percent. Contact your insurer to ensure that your clean driving record is reflected in your current rates.

Insurance Savings

You can enjoy additional insurance savings if you insure at least two vehicles with the same insurance company. Such multi-policy plans result in discounts that are applied to your entire policy. The more cars insured, the deeper your discounts.

You can also realize savings by bundling your insurance plans. For instance, if you own a home or rent an apartment, or have some other insurance plan, your insurer will thank you for you business by offering you a discount on a bundled plan. Ask your insurance represent about discounts for multiple insurance plans or policies.

Life Changes

If you were single last year and are married this year, certain life changes can impact your insurance rates. Let your insurer know about your current marital status if different from last year.

You can also receive discounts if you are a college graduate or if your high school children are excellent students. Discounts for customer loyalty are also given.

Your Information

If you have moved within the past year or have had made some other change such as a reduction of driving points for completing a driver awareness program, then your rates could be adjusted downward. Your credit score may have an effect on what you pay too — the higher your credit score, the lower your insurance rate. The opposite is true too.

Vehicle Considerations

The information your insurer has about your car should be accurate too. Typically, your agent will ask for the vehicle identification number or VIN, a step that will offer detailed information about your car including engine displacement, transmission and trim level. However, if you had aftermarket enhancements completed, including the addition of a security system, your insurer probably is not aware of this. Contact your insurer and review your car details to ensure that it accurately reflects what you are driving.

Motor Traders Need Specialist Insurance

A bump here and a scrape there may not seem like the worst thing in the world, but when it comes to footing the bill to get these minor eventualities fixed, then it is a totally different story. While you want to move the vehicle on to a potential buyer, not many people are going to be too thrilled if they find that there is damage to it while it has been in your possession.

This is where having a good insurance policy can prove to be a godsend, as not only will it be able to fix the initial problem, but you will also be able to sell the vehicle once it get back from the garage.

The first thing to consider is what eventuality you need to have covered for your specific requirements. Many insurers will offer motor trade insurance in a range of different factors which will take into account the value of the car, what make it is and also your individual circumstances. The latter will include whether you are working for a major company or if you are simply a part-time motor trader that requires the cover policy for their own specific.

Insurers usually offer the protection over three different areas which are road risk only motor trade insurance, liability motor trade insurance and combined motor trade insurance. For those who are looking to safeguard against every form of eventuality should seriously consider the combined policy as this will offer you a comprehensive package for all your needs.

The combined cover ensures that you are protected in any form of action that includes money, liabilities, vehicles, tools and pretty much anything else you can think of. It is ideal for those who want their business extensively protected and also recognises a business premises as well as your home as a place of work so you can be flexible about where you conduct your company’s operations.

However, this level of cover may not be for you, and if not, you may want to look into liability motor trade insurance. This is specifically designed for those of you who have members of the public on your premises at any given time. Also with this level of protection it gives sufficient cover for when you are employing members of staff and will safeguard against any eventuality that should happen.

The road risk insurance policy covers a number of different circumstances with the third party only part being the most prevalent. This is needed when you are going to be driving a customer’s vehicle, perhaps when they have brought it in to be sold on. The law states that this type is needed for any motor trader that is looking to carry out a number of actions including buying and selling vehicles for profit or should restore or repair a car.

Insurance is a major aspect for any motor trader so don’t delay and make sure you seek out a quote.