Who Do You Trust?

This afternoon I was thinking back to how things worked out for my step-dad, a self made millionaire, and how the things that happened to him over the years affected his judgement and values later in life, especially about money.

He was a kid during the Great Depression, but that affected him for the rest of his life. His mother abandoned all her 3 of her kids and took off, so he was raised by his grandmother. He dropped out of school after the fourth grade so he could earn money and help the family survive. He was driving his grandmother’s car when he was just 10 years old and glued pieces of lumber to the pedals so he could reach them.

He never trusted banks or the stock market after the big crash. The only investments he made were low risk cds and he never put more than $100,000 in any one bank account, as the FDIC only insures deposits up to $100,000.

When I tried to explain to him that a certificate of deposit is an option and that the maturity dates could be planned for maximum benefit and taxes, he would get upset and tell me that I didn’t know what was talking about. So I wasn’t able to help him much, but at least I tried.

Up the Ante

Advertisement has been around for as long as people have had a product to sell. In ancient Egypt, people used to write advertisements on pieces of papyrus. The Greeks and the Romans would paint their advertisements on walls. Meanwhile, the Chinese would take bamboo instruments into the markets, perform for the audience, then invite them to buy at a local store. Even the Europeans of the middle Ages would take images of their product to market to help lure customers into nearby stores.

Times have changed, though, and the 21st century has seen advertising budgets shift away from physical media into the electronic realm. If you’re thinking about taking your advertisements to the next level, it may be time to think about hiring crew for video production. Video advertisement has become increasingly common since its introduction in the 1940s, and has made up the largest part of the ad budget for many major companies.

A well-produced video spot can grab new customers and help retain old ones. Through an engaging format and a clear message, you can help get word out about your business to a large potential audience. If it’s time for your business to expand, consider a video advertisement.

Breaking Up is Hard To Do

When I decided to move away from the Washington DC area, I wrote down a short list of places that I wanted to consider for my new home. I tried to keep an open mind to the job opportunities and focused on the quality of life that I was looking for at the time.

There have been several opportunities for me to move to Arizona and I do love it there. But if you are familiar with the current housing crisis, you know that the Phoenix area is in the top 5 of our country’s worst markets. The foreclosure rate in Phoenix is horrendous, and I realized that the market was way out of control when I went out there for job interviews.

Any time you have high unemployment and a large number of home foreclosures you have several other things happen. The crime rate goes up and the divorce rate goes up. The amount of stress on a relationship during this economic downturn is often the straw that breaks the camel’s back, as they say.

How to Prepare for an Estate Sale

Preparing for an estate sale can seem like an overwhelming task. Most people have no experience in such matters and don’t know where to start. If you have an estate to liquidate, look for a company that is specializing in on-site sales. They will come to the home, price the items you wish to sell and advertise for you. Here are a few tips to help you prepare for an estate sale.

Decide What to Sell

This will probably be the hardest thing to do. The family will need to remove anything that is not to be sold. Don’t worry about what is valuable and what isn’t. Something that is not valuable to you may be just what someone is looking for to finish out a collection.

Don’t Throw Anything Away

When in doubt, leave the item there. The company running the estate sale will price everything and will have the expertise to decide what trash is and what treasure is. They are also aware of the market in your area and what items may be perfect for selling. Even old postcards and toys may be saleable.

Don’t Clean Any Items

Sometimes cleaning can damage an item that may be valuable. It is best to let the company managing your estate sale to clean and prepare all the items for sale.

Analysing Road Traffic Accident Statistics

Analysing Road Traffic Accident Statistics
Analysing Road Traffic Accident Statistics

It will come as no great surprise to you that cyclists are at greater risk of injury on the road, than almost any other category of road user (except perhaps motorcycles). If you have been involved in a road traffic accident that was not your fault, and you are looking for a solicitor to assist you in pursuing a personal injury claim, look no further than the Free Legal Advice Centre, whose video-based information site is a great resource for people who are seeking all kinds of legal advice.

Some statistics

In 2013, the most recent full year for which statistics are available, there were 252,913 reported road accidents of all severities. There may, in fact, have been more accidents – but this is the number of accidents which the Department of Transport can verifiably include in their data.

Of this 252,913, 185,769 (73.45%) involved cars; 19,538 (7.73%) involved motorcycles; and 20,049 (7.93%) involved pedal cycles. The remainder involved buses, coaches, vans, light and heavy goods vehicles, and cases in which the vehicle type was not reported.

As you can see, cyclists are slightly more likely to be involved in an accident than motorcyclist, but much less likely than occupants of a car. However, when you look at the number of accidents compared to the rate of accidents per billion vehicle miles you get a slightly different picture. Analysing the statistics this way allows you to take into consideration the number of cars on the road, in comparison with cycles, and the number of journeys undertaken by both.

  •  Number of car accidents (of all severities) per billion vehicle miles: 774
  •  Number of motorcycle accidents per billion vehicle miles: 7,264
  • Number of cycle accidents per billion vehicle miles: 6,407

We can see from this breakdown that motorcycles and pedal cycles are far more likely to become involved in an accident than cars.

But what of the dangers to each respective vehicle user?

  •  Number of fatal car accidents per billion vehicle miles: 7.5
  • Number of fatal motorcycle accidents per billion vehicle miles: 132
  • Number of fatal cycle accidents per billion vehicle miles: 39

From this analysis we can see that the chances of being fatally injured in a car accident is relatively low; in a cycling accident is somewhat higher; and in a motorcycle accident substantially higher.

Breaking down the data

There are many other ways of breaking the data down, and this can be useful in targeting safety campaigns. For example, the age group most at risk (in terms of highest numbers) of being involved in a car accident, are those aged 40-49. This is true for both male and female drivers; however, this number could be inflated by the fact that men and women of this age bracket are more likely to own cars than younger or older people, and that they are possibly more likely to drive longer distances.

By breaking down the data like this we can, for example, target particular driving campaigns at this age group of drivers.