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Is Your Car an Asset or a Liability?

Do you love your car?

Did you know that your car is a ‘money pit’?  Let me explain.

Let’s set aside the fact that you love your car (as I do) and let’s look over its true costs as a transportation vehicle.  Aside from the entertainment value that cars add to our lives, we want our cars to safely take us from ‘point A’ to ‘point B’.  That’s the functional purpose of automobiles.

New cars lose their value FAST.  Very fast.  It’s estimated that a new auto will lose 20% of its value as soon as we drive it off the lot.  And after the first year of ownership, the value continues to decline 7% to 12%.  When you put these depreciations together, a new car loses 25% to 35% of its value in its first year!

Therefore, if you buy a new car for ,000 it will be worth only about ,000 by the end of your first year of ownership.  That’s an ,000 loss – ouch!  By the end of your second year of ownership, the value will drop to around ,000 – which is a ,000 loss in only two years.

Plus, insurance rates are higher for new vehicles.  And in some states, vehicle registration costs are considerably higher for a new car – sometimes hundreds of dollars more than a used vehicle.  And of course, we’re losing money on the interest we’re paying for the car loan.  The bigger the loan, the more interest we pay.

But let’s say that instead of buying a new car, you purchase a 2 year old vehicle of the same model (with reasonable mileage).  You won’t have any trouble finding one that looks and drives pretty much like new.  Other than not having the ‘new car smell’, it’s almost the same thing.

But the biggest difference is that by buying a 2 year old model, you’ll be ,000 richer.

But what if you invest that ,000 used car savings and put it in a Mutual Fund for 30 years?  At a conservative 10% annual return, your ,000 will grow to over 4,000 thanks to the magic of compound interest.  Learn more hear on building your wealth http://www.abundance-of-wealth.cup-of-life.com/Financial-Independence.html .

If someone offered to pay you 4,000 to drive a nice used car instead of a new car, would you do it?

While performing locksmith duties in Plano Texas, our company has to open a lot of car doors for women who locked their keys in their cars.  The biggest service our technicians offer is not the actual process of opening the door.  Instead, it is giving reassurance to these women that their safety and security is protected.

We heard from these customers that many of them would like to have a quick and simple list of what to when their keys get locked in the car.  Their first concern, rightfully so, is that their safety is ensured and that help is on the way quickly.

We decided to create a list of safety tips which women of all ages can use when in this situation.

Number One:  Use your cell phone to store these tips!

Your cell phone is a terrific tool to keep you safe.  The first thing you should do is somehow take these tips and put them into your phone.  Depending on the model of cell phone you use, you might be able to upload this online article and store it on your phone (either directly or via a created PDF).  If you do not have that capability, then leave a voice message for yourself on your voice and save it.  Be sure that your saved messages do not automatically erase after a certain number of days.  Finally, you can summarize these tips and text message yourself.  Keep the tips in your text message archive or elsewhere on your phone.

All of the above recommendations are done for one reason: reassurance.  If you lock your keys in your car you may panic especially if the weather is bad, if it is late at night, if you were in a rush to get to work, or if you have to pick up your kids.  Remembering that you have these tips available to you right in your cell phone will give you peace of mind.

Number Two:  Have a preferred locksmith in your cell phone’s contact list and/or contact organizer

It’s one thing to know that you have tips to stay safe in a situation.  It’s even better when you have the number of someone whom you know that you can call that can actually solve the problem!

Whether you have a preferred locksmith, or use your insurance’s roadside assistance, have that number in your phone.  If you left your phone in your locked car then find a reputable service with an easy-to-remember phone number.  When in a panic situation you probably won’t be able to remember all sorts of intricate phone numbers, so find one which is simple and then call it from a nearby phone.

Number Three:  Maintain awareness of your situation

While performing locksmith services in Plano, our technicians noticed that the women who stayed the most calm and solved the problem the fastest were the ones who also knew what was going on around them.  They did not attract too much attention to their situation, they used their cell phones intelligently to let people know what was happening, and they were able to give identifiable landmarks and other useful information in order to let the technicians reach them as quickly as possible.

Number Four:  Preparation

In our daily experience, one of the most panic-inducing situations for women is to be locked out of her car late at night in an unfamiliar place.  Visions of horror movies and violent news stories sometimes come to their minds, and it is understandable for any woman in this situation to be concerned.  A little bit of preparation can be helpful in reducing the magnitude of the concern.

If you usually carry a handbag with you when you leave your car, be sure to keep a small flashlight in it.  This will help you increase visibility late at night so that you are not in darkness during the time you are waiting for help to arrive.

In addition, keep a spare small electrical outlet charger for your cell phone.  Since communication with others who can help you is paramount, you don’t want your cell phone’s battery to die in the middle of your conversations!  Having this spare charger in your hand bag, gym bag, or other bag you may carry will give you reassurance.

Number Five:  Contacting people who can help

If you have your cell phone with you, be sure to call someone you know and let them know where you are.  If they are within reasonable driving distance have them come out to join you so that you have safety with people you trust.

Should you be in a situation where no one you know is nearby, it is late, and you are unfamiliar with the area then it is okay to contact the authorities.  Let them know that you are safe, where you are, and ask them if they can help you with finding a locksmith.  It is much better to focus on safety first, and let them tell you who will be coming to your location so that you know whom to expect.

Hopefully you find these tips useful.  If so, be sure to send them to people you care about so that they, too, may stay safe and get help quickly if they are ever locked out of their cars.

If you haven’t heard of Gran Turismo you’ve either been asleep for a very long time or you’re a woman. According to the official Gran Turismo website, “the detailed and beautiful cars come to life in intricate detail”, and with hundreds of classic cars to choose from you might find yourself spending more time driving your friends and family up the wall playing this addictive game than actual driving.

“The world’s hottest cars from car manufacturers all over the globe, both past and present have been gathered” to create one of the finest real driving simulators for the PS3, reports the Gran Turismo website. Just like the real deal, the game will apparently have “new game-enhancing graphic effects like car damage, weather and the ever-encroaching darkness of night”, according to IncGamers.com, which is why this game could be the perfect remedy to those classic car blues.

We might not all be able to afford the car of our dreams, but how about a virtual one? With 1000+ models to take your fancy, even the most fanatic car-maniacs will find the perfect car to put to the test. The Great British weather can be so unpredictable, which is why we need to save something for those rainy days. When the sun’s out, get behind the wheel of your classic, but when the rain sets in you’ll still be able to get behind the wheel of hundreds more, thanks to the whiz kids at Sony, who have created the perfect solution to winter depression.

Fitting in with the release of 3D and HD, this game is also fitted with the latest digital technologies to provide an almost like for like experience. Polyphony Digital prides itself on creating authentic looking vehicles, which includes a 1950′s Facel Vega HK500, 1960′s Jenson CV8 and 1970′s Alfa Romeo 2000 Sprint Veloce.

With the release date looming, make sure you keep the 2nd November 2010 free in your diary because that’s when the race is finally on!

The bond between an animal and its owner can be as strong as that of human-to-human relationships. In many families, the pet is even included in present giving at Christmas time with millions of pounds spent each festive period, whilst canine companions are even likely to be escorted on domestic family holidays.

Dogs are often referred to as ‘man’s best friend’ and perhaps for good reason. Whilst cats are known for their fervent independence, canines are well understood to be loyal companions that like to accompany their owner wherever they go. This is why the bond between mutt and man/woman may be that little bit more special than any other animal.

Pet care is big business in the UK and across the world. However, it’s estimated that only 15% of pet owners bother taking out insurance for their furry, finned or feathered friends. This could be because people don’t place as much significance on the health of their pets as they do with humans; or, it could mean that they simply don’t consider how much it costs to treat animals for the myriad of ailments that can befall them.

Dogs are capable of eating more than your child’s homework. Curious canines have been known to chomp into anything from Christmas lights to slippers, and depending on how much of the ‘fodder’ they swallow, the vet bill to remedy the situation can run into four figures.

Similarly, a torn ligament can cost close to £2,000, whilst heart conditions and arthritis aren’t exactly cheap to treat either. The point is, animals are just like humans in many respects – they are as susceptible to disease and ailments as we are…if not more so.

So the case for taking out a canine care protection plan is quite a strong one. But dog insurance policies vary in terms of what is covered. So what should you look for in the small print?

For starters, premiums usually increase as a dog ages. And routine treatment is often not included either. Most policies should cover advertising and reward costs should your dog do a disappearing act. It’s perhaps also ensuring legal costs are covered too, in case your over-zealous mutt bites a person or causes a motorist to swerve thus damaging their car.

The type of dog you have too will affect you premiums: Rottweillers, Labradors and Retrievers, for example, are known to attract the most insurance claims, whilst Yorkshire Terriers and Poodles attract the fewest claims.

Dog insurance is a good idea for those concerned about the physical wellbeing of their animal. It’ll also help soften the financial blow in a medical emergency…those vet bills aren’t cheap!

It’s always fun to learn interesting facts about cars. This mode of transportation has made commuting easy, convenient, and comfortable for humans. It has also contributed to the economic growth and progress of the country.

Today, many new cars have entered the Indian car market with a host of high-end car technologies and futuristic features. The industry is progressing but still there are certain car trivia that we may not know, some of which have shown a radical direction to the industry.

Here are the top 15 interesting facts on car and the car industry:

The First Japanese car in the United States was the Honda Accord manufactured in November 1982.

Chevrolet Imphala was one such car that had enjoyed a breaking sales record of more than one million in 1965.

The first cars used lever instead of steering wheel.

The first Porsche 911 was introduced in 1964 and generated a power output of 130 bhp.

An airbag takes only 40 milliseconds to inflate after an accident.

Ferrari makes a maximum of 14 cars every day.

The world’s longest traffic hold-up was between Paris and Lyon on the French Autoroute in 1980. it was about 110 miles long.

The first auto insurance policy was purchased in in 1897 in Westfield, MA.

Tata breaks the world records by producing the world’s cheapest car, Tata Nano.

Windshield wipers were introduced by a woman.

The first self-propelled car was invented by Nicolas Cugnot in 1769. It was designed with three wheels and an engine in the front along with the boiler. The car was able to run at a speed of 6 km/h. The first self-propelled car was first used by French Army to move cannons.

Nicolas Cugnot designed another steam-driven vehicle two years later after he introduced the first steam-driven car. The machine ran well but one day it met an accident with a wall and this incident is recorded to be the first motor-accident.

In the late 18th century, Issac de Rivaz designed several successful steam-powered cars. Then in 1807 he designed the internal combustion engine that used a mixture of hydrogen and oxygen to generate power. He then developed a car using this engine.

The first practical four-stroke engine was invented by the Otto and Langen Company of Deutz, Germany. Nikolaus Otto was working in a grocery store and one day he read about Lenoir’s two-stroke gas-driven internal combustion engine. Otto the started his own workshop supported by Langen in Deutz near Cologne in 1863. There he invented the four-stroke engine in 1876. Later, a German engineer named Gottlieb Daimler carried out much developments in the engine and introduced a practical four-stroke engine in that is still used in various car models.

In 1887, Benz was the first car company to be offered for sale.

It’s a strange fact of life but, when it comes to driving, men feel threatened by women. Ask the average man about how well women drive and you’re likely to get a stream of negatives. Yet, when you ask the insurance industry, you get a completely opposite reply. On every factual test, women drive more safely than men and have way fewer accidents. Why is there this big disconnect? It’s rare to find a stereotype that’s so far removed from reality. In most cases, myths and prejudices are quite limited in geography. Yet the willingness to mock women drivers travels around the world. Whether you’re in China, India or the US, men refuse to allow women to drive them and make jokes about their “poor” driving skills. This goes far beyond the usual sexism and gender prejudices. It seems driving is such a deeply macho activity, women are not supposed to trespass into this male preserve. So, how do we know driving is a male thing? Well, you only have to go on to the roads. Men drive fast and can be aggressive. It’s like all drivers are in a race to get from A to B. That means never giving way, pushing the limit when it comes to overtaking, taking chances when approaching turns and junctions, and assuming laws and regulations do not apply. The result? More traffic accidents. More importantly, because the average speed coming into a collision is higher, more people are seriously injured and the damage to the vehicles is significantly greater. All the evidence shows that women drive more slowly and obey all those annoying laws and regulations designed to maximize the chance of arriving at their destination in one piece. So even if a woman driver is unlucky enough to get into an accident, the lower speed and the defensive driving style means fewer injuries and less damage to the vehicles. Now add in some of those stereotypes. Women are more likely to buy less powerful cars. They are less interested in status and do not invest in “babe magnets” (sorry, that should be “hunk magnets”). So however an insurance company looks at the evidence, women drivers are less likely to be involved in serious accidents. That means their premiums are usually significantly lower than those payable by men of comparable age and driving experience. So here’s a simple statement of fact: women can pay lower premiums on their auto insurance than men! Is this fair? If you ask the majority of men, they would say, “No!”. They prefer everyone to pay the same so that safer women subsidize dangerous men. So many auto insurance policies group all drivers together and divide the risk between them. But if women shop around, they can get lower premiums. The best approach is to go online and use one of the standard search engines to get comparative quotes from all the leading insurers. At a glance, this lets women see the range of premiums offered. The best deals are offered by companies that have separate policies for women or “safer” drivers. Grouping safe drivers together means a lower total pay-out on claims is divided among the group members so all pay lower premiums. Women can make major saving when they buy their auto insurance online.

With a prestige car hire, you can drive a super car. When most people see a Ferrari, Lotus, or a Porsche on the road, few of them stop to consider that they could hire one of those cars. Most of us might never get to own one, but that doesn’t mean we should feel that driving one is beyond the limits of possibility.

Prestige car hire are made strictly to impress. Imagine hiring a Bentley for your wedding day or a Lamborghini on your graduation. You hire one of these cars because they garner attention. Impress a beautiful woman with a ride in a Ferrari, or an important business client with a pick up in a Rolls Royce.

Sports cars offer us the combination of speed, luxury, and safety. People often debate the difference between a sports car and a “sporting” car, for our purposes they are all prestige cars.

A prestige car is anything that can impress. We have already run through some so far, but others might be Aston Martin, Audi, BMW, Mercedes, or a Range Rover. Any of these cars, and many others, have the inherit ability to pass as a status symbol.

There are many ways to find a prestige car hire. You can refer to the Yellow Pages, hotels, airports, auto enthusiasts, or you can look on the Internet. The Internet is probably your best source for finding where to hire a prestige car. You can sort your search in several ways. You can type in the name of the make or model auto that you are looking to hire. You can simply punch in “prestige car hire.” Either of these means should get you plenty of results. Next, sort your “hits” by the city you are in or the one you will be visiting. You should have accessibility to prestige cars at almost any population center, city, or urban area.

There was a time when finding a prestige car hire was a difficult thing, but not any longer. If you can dream of driving it, it is most likely that you can find it for hire.

Hiring these types of vehicles is going to cost you more than a practical car and van hire would. There will be extra insurance charges and additional fees. There will be age restrictions and, quite possibly, distance and destination restrictions, as well. Also, the mileage costs will be much higher. You will fill the car with fuel more often, as these prestige cars do not get high ratings for gas mileage.

Make sure to closely inspect the car before you drive away in it. You will be paying a very high excess (deductible) with this sort of hire and if it comes back with any dents or scratches, they will be your responsibility. Keep the car clean as well, or you will face an additional charge for the agency having to clean it.

Remember to have fun. A prestige car hire may be the only way you ever get to drive one of these cars in your life.

Finding and buying the perfect car is no easy task.

One thing to avoid at all cost is:

Do not sign any papers before you have made your final decision to actually buy the car. I was caught once on that one and I promise myself that it will never happen again!

Here how it went:

 My old Kia caught fire under the dashboard, I stopped the car and pored water on the fire. But the car would not start anymore, So I had it towed to the closest Kia garage and waited for my insurance adjuster to call me back at work. When he called back I was told that my car couldn’t be fixed and that I had to buy another car.

The manager knew that!

 So when I went to get my things from my old car which was actually going in for the spare part dump, they had made a meeting with their salesmen and advised them not to let me walk out of that garage until I signed something.

I was shown their cheapest demonstrator car which was really at a good price.

 But I don’t like blue very much. So I let them know that I wanted to check elsewhere before I made my final decision. So I was told no problem. Just sign here and deposit 100 dollars no string attached. If you decide to buy tomorrow everything will be set and in fifteen minutes your car will be ready to go.

Of course I was coxed to sign by one of their prettiest secretary, with a gorgeous smile, teeth as white as snow, and more qualities of which I don’t want to describe here.

So the sucker did signed and made a deposit of 100 dollars. The next day I did find a better deal and bought a similar car, but I chooses the color I liked, which of course was not blue.

So I went back to the garage to claim back my 100 dollar deposit. I was asked under a rough tone! What deposit? You wasted hours of our valuable time and bought the car somewhere else! Our company’s policy is not to ever return a deposit after you signed. I fought back, but it took me two weeks of constantly harassing those salesmen to get my money back. I think I got lucky. My wife was a big help. They were a bit less aggressive in front of a lady.

So I got it back but was humiliated and treated like a jackass. So! No more! I would advise you to read and remember that little trick that many garagists play on their customers. Of course I will never ever buy a car from those guys again and my car will never be fixed there either.

Steps

1. Make a list of what you’re looking for in a car. Some criteria include appearance, performance, safety, reliability, size, comfort, fuel efficiency, cost, resale value, transmission type, engine size, kilometers/mileage (if buying a used car), as well as color.

2. Organize the list in terms of how important the criteria are to you.

For example, if you had a choice between a slick, cherry-red convertible that has questionable safety standards, and a solid, protective Volvo that would sacrifice its life to save yours – but looks like something your mother would drive – what would you choose?

3. Browse car books and judge models according to your criteria. Make a list of the models that best fit what you’re looking for.

4. Search for your favorite models at car dealerships, in classified ads, and on the Web.

5. Choose a dealership carefully.

 Once you find one you feel would fit your needs, select a salesperson. Visit the dealership, sit at the table and watch how they work with others, and how they talk on the phone to customers, and if they negotiate so that the customer gets a better deal. Also be careful, because many car salesmen can be pushy, they are after all trying to make a sale, so buyer beware. Make sure you check the car carefully for faults, or design problems.

Tips

Check out Consumer Reports It’s arguably the best place to look for impartial reviews, ratings, crash tests, reliability forecasts, and pricing guidelines for new and used cars. Start with their list of recommended cars, research them, pick out a few you like, and then go to the dealer. They also have an excellent guide to new car buying, guide to used car buying. Much of their info is free, but a subscription is well worth it…they review everything from chocolate to computers. When you have done your homework, and know what you want in a car,then visit the dealership.

Act as if you know what you are talking about.

 Do not allow them to sway you from what you are honestly looking for. Be confident and firm, and if they start swaying you to another choice, then just leave.

When you go to a dealership, bring your spouse, or a friend.

 You are more likely to be taken seriously. If you do not have one, then walk in with an air of confidence. If you are a single woman, it is good to bring a male friend who knows about cars, so that you don’t let the dealer mislead you. Sales people will try to take advantage of you, don’t trust them.

Warnings:

Make sure you read the contract completely. Do not sign, unless you understand exactly what you are signing. If you are not sure, then take the contract home, and have an attorney read it. Once you sign, you have bought the vehicle!. Be careful!

Always test drive the car,

 check things like; the sound of the engine, whether the windscreen wipers work, air-conditioning (if applicable), heater, indicators, and lights. Check for cup holders, compartments, the rear boot, the seat quality (no rips or stains), look in the bonnet to make sure nothing funky is going on, Check the comfort of the seats( will this car be comfortable on long trips?), The visibility (is it easy to see other cars?), does it have seat belts, air bags, roof handles, Sun shades, radio (CD or tape), and whether it works.

Always ask yourself if the car you are buying is worth the money they are asking.

If not, make a lower offer, and if they refuse, don’t worry – there are plenty more cars out there, the perfect one is just waiting for you to come along and buy.

New-Car-Buying-Tips

I Believe we can narrow down the New-Car-Buying-Tips to a basic 3 here they are:

1. The Depreciation Factor: Is one of the Most Important, New- Car-Buying-Tips, it might come as a painful surprise, but the fact is, once you drive that wonderful smelling new leather interior car off that dealership lot, your purchase has depreciated by hundreds if not thousands of dollars… Here is an example…

Purchase Price of Car ($ ) 25,000.00

Current Vehicle Age (Years) brand new

Based on owning vehicle for 1 year

Low Rate of Depreciation:

First Year ($ ) 4,500.00

Average Rate of Depreciation:

First Year ($ ) 5.750.00

High Rate of Depreciation:

First Year ($ ) 7,000.00

Do you need smelling salts yet? pretty crazy huh?

2. New-Car-Buying-Tips, Reliability: This for me, is probably one of the most important issue, being a woman, I absolutely want reliability in my vehicle! Gone are the days when if your transportation broke down you shot it! (Western Humor, no Peta calls please!)

You can pretty much be sure that your new car is less likely to run into major mechanical problems, and that your ride, will be almost maintenance free? however, there are those cars which do have problems, you can checkout Auto Beef.com for the most up to date list of the top 20 most problem cars. You also want to be informed about the Lemon Law.

Check out Lemon Law America to see your states specific codes regarding this.

3. Finally we get to the number three spot of New-Car-Buying-Tips (sounds like a music countdown huh?) is it really worth it? one really needs to take into account, Cost, Depreciation, Interest Rate, Insurance, etc. to do this type of calculation (see auto loan calculator) Evaluate carefully, DO NOT MAKE A RASH DECISION! I cannot tell you how many people I have spoken to after purchasing a car, about buyers remorse! and you must remember! Every state is different re; cooling off periods, for example, California does not have one!

So before you sign that contract, (and it will feel like blood is being drawn!) (see most contract car buying scams) make sure you have weighed all the options! (New Car Buyers Checklist).

IMPORTANT TIP: Before you buy any car…talk about it with your friends and those whose judgment you trust! Be specific about Model Brands and all the extras, Price, of course. Rely on that information when you are alone making the final decision. Price is the most common source of buyers remorse and sure as shootin some friend will say “Oh, why didn’t you tell me? I could have gotten you a better deal” Get that better deal before you buy the car on your own.

It’s a question that always comes up when planning and budgeting for a trip. Is the extra expense necessary? Why not save on that premium and spend it on something fun instead? Sure, you could do that, but remember that the cost of purchasing travel insurance is miniscule compared with potentially catastrophic financial losses you could sustain if things go awry. For instance, if you were to break your leg skiing in the U.S. you could face a bill of anything from ,000 to ,000 (£2,500-£25,000) depending on how serious the break is and where you are treated.

California Governor, Arnold Schwarzenegger, did break his leg skiing and was in hospital for five days at a rate of anything from ,000-,000 per day – just for a room and the basics. Add to that the x-rays, tests, medications, physical therapy and crutches. That’s all before paying for the expertise of a surgeon and anesthetist. The total bill could be anything from ,000 to ,000 per day! (£5,000-£8,000). There would be follow-up visits as well, but hopefully by then you would have been repatriated to the UK. Do you carry that sort of money in your back pocket – or would you prefer to have the peace of mind of travel insurance with winter sports coverage?

When the President of the United States travels he has an advance team of Secret Service agents to check everything he might come into contact with for security issues. They work out worst case scenarios, potential hazards, and emergency and evacuation plans. Unless you are someone very important you won’t have the benefit of your own personal advance team!

Schools these days send out ‘advance teams’ of teachers to do security checks of accommodations and locations to be visited by children on school trips. Many children are being deprived of fun, educational and enlightening trips because teachers are scared to death of the liability and would rather avoid it. What if someone stubs their toe, or is emotionally traumatized when a bully brandishes a spider?

There are many crazy reasons why you have to get insurance these days. Pancake Races were canceled in several towns in the UK this year. For centuries people have simply grabbed a frying pan and run through their high streets tossing pancakes to the finish line. They even did it over cobble stone streets! Nowadays someone has to be liable if things go wrong… There have to be risk assessments, fees paid to local governments and paid medical personnel on hand – just in case.

To see some ridiculous instances of lack of personal responsibility look at the Stella Awards – which are given for the most frivolous lawsuits filed in the U.S. They were named after Stella Leibeck, the woman who famously sued McDonalds after she spilled hot coffee in her lap and sustained third degree burns. No mention that maybe it was a little, um, ‘careless’ to place scalding hot coffee between her legs in the first place. Her lawyers won a pay out of close to three million dollars, but a judge later restored a degree of sanity and reduced the amount to around 0,000. Another benefit of travel insurance is that, depending on the policy, it may carry liability benefits of up to £2 million for accidental injury to third parties and property.

It’s the accidents and unforeseen events we can’t avoid that make travel insurance essential. Bags do get lost, people get sick and valuables are lost or stolen. You wouldn’t dream of leaving your house or car uninsured, so why would you go on holiday without travel insurance?

Maybe we should enjoy our travels while we still can… If health and safety issues continue to shut down all our avenues of pleasure we may end up living inside bubbles and no longer have any need for travel insurance!