How Motor Fleet Insurance Works

Motor Fleet insurance in a nutshell is obtaining coverage for three or more vehicles that are covered under the same policy. This then is applied as a single policy for all vehicles, rather than identical individual policies. This policy is applicable for people who own multiple vehicles, and helps to avoid the complications that arise when you have different sets of policies for several vehicles; it keeps things nice and streamlined for you as the policy holder! Whatever it's cars, motorcycles, vans, motor homes, all of them can be insured under motor fleet insurance.

Need for insurance

Need for insurance? Firstly it's a legal requirement! However, it can spiral and potentially become unmanageable when you need to handle different policies for different vehicles. To eradicate such situations you need to Compare Fleet Insurance so that your vehicles have single cover, and then decide which fleet insurance is most applicable to you. Although the number of vehicles may change according to the requirements of the policy, if you have three or more vehicles you are eligible for this type of policy. Fleet insurance has been around for many years now, however market competition means that today's cover is more comprehensive than ever.

Business and other customers

For a larger family, with each member owning one vehicle, the policy of fleet insurance comes to help. As a matter of fact, you can feel the benefits of this policy if many members of the same family each have vehicles. However, this policy only works for a business which has three or more vehicles that are used often for the operations of the business. For instance, you may run a cab company or need to send several vehicles to pick up employees that arrive at your city from different corners of the globe. Obtaining Motor Fleet Insurance Quotes is the best way to procure a policy which suffices your requirements. Whether you are a business owner or part of a big family, this policy suits the preferences of vehicle owners.

Coverage you get

When compared with the features of the other policies which insure your vehicle, fleet insurance often offers better and comprehensive coverage. Whether it is breakdown of the vehicle, thefts due to their parties, loss of keys, accidents due to fire, assistance for windscreen replacements and the injuries that the vehicle owner may suffer, all of it comes under a single policy. However, the opportunities may vary according to the amount of premium that you are willing to pay.

Factors affecting the premium

There are different factors that can affect the premium amount such as the kind of business you run, the length of business operations, the mileage, age and condition of the vehicle. In addition to this, the young drivers will not see the same coverage for the price their parents pay, for example.

Cost-effective and convenient

Of the advantages of motor fleet insurance, the primary is the relief that you get from handling different policies for several vehicles, and although a single premium may look expensive on paper, it has the potential to save you a lot of money in the long run .

Sales Force Software Benefits Employees and Owners

The Commission is one form of incentive. Employees who are involved in sales receive their monthly salary plus commission per month as part of their compensation. In a large organization that has many sales employees, it is quite difficult to monitor sales amount with their respective quota of each employee which is the reason why managers hire more employees to do the administrative work of their sales people. More employees mean more manpower cost to the company.

One way by which a company can cut cost is through the use of Sales Force Software. Aside from no longer needing more employees to do the administrative work and monitoring work of people who focus on closing the deals, it will be able to enable the sales people to do what they are supposed to do but more effectively and more efficiently. It also enables managers to monitor the sales of their people and give what is due them. Thus, employees no longer waste time checking and rechecking what has been given them which will enable them to focus more on their work. There are many kinds of versions of the software available. All you need to do is find the one that will fit you and the type of industry that you are in. That is one way by which you can determine which sales software to get.

From an owner's point of view, a sales force software is a necessity. It will be able to give accurate numbers on the performance of the sales employees which will enable them to manage their people well. Aside from giving proper incentives, they will be able to give other forms of motivation to inspire their workers to work well or if the numbers show that there is a dip in the performance, the owners will be able to nip it in the bud which is why this software is considered as an effective tool for sales management.

Developing Innovative Products

Phase 0: Feasibility Analysis

The goal of this phase is to identify existing technology to achieve the intended high-level function. If technology can be purchased as opposed to developed, the scope of consequent development forms changes.

Simply put, product development companies research and assess the probability that the current technology can be used to reach the intended functionality of the product. By doing this, the development efforts are reduced, which in financial terms represent a great reduction in development costs.

Moreover, if the technology is not yet available, then the assessment can result in longer development cycles and the focus moves into creating the new technology (if humanly possible) that can accomplish the functionality of the product.

This is an important part of the in any product development process because it is safer and financially responsible to understand the constants that a product can have prior to starting a full development cycle. A feasibility study can cost between 7-15 thousand dollars. It may be sound very expensive for some, but when it is much better than investing $ 100k + to end up with a product that no manufacturer is able to produce.

Phase 1: Specification or PRD (Product Requirements Document) development

If your product is feasible, congratulations! you are a step closer to creating your product and you can move into documenting what is going to go into the product itself, aka the guts (product objective, core components, intended end-user, aesthetics, User interphase, etc).

In this phase, product design and engineering focus on documenting the critical functionality, constitutions, and inputs to the design. This is a critical step to keep development focused, identify the high-risk areas, and ensure that scope creep is minimized later.

This document will help you communicate the key features of your product and how they are provided to work to all members of your team. This will ensure that you keep everyone involved on the same page.

Without one, you are more likely to stay off track and miss deadlines. think about the PRD as your project management breakdown structure (BDS)

Phase 2: Concept Development

Initial shape development work identifies options for form, as well as possible approaches for complex mechanical engineering challenges. Initial flowchart of software / firmware also happens here, as well as concept design level user interface work. Aesthetic prototypes may be included in this Phase, if appropriate. Prototype in this phase will not typically be functional.

Phase 3: Initial Design and Engineering

Based on decisions made at the end a concept development phase, actual product design and engineering programming can start. In this phase, Level 1 prototypes are often used to test approaches to technical challenges.

Phase 4: Design Iteration

This part of the project is where we focus on rapid cycles, quickly developing designs and prototypes, as the depth of engineering work increases. This phase can include Level 2 and 3 prototypes, typically through multiple cycles. Some products require as many as twenty prototype cycles in this phase. Others may only require two or three.

Phase 5: Design Finalization / Optimization

With all claims tested and validated, the design can be finalized and then optimized for production. To properly optimize for production, product design and engineering teams take into account the target production volumes, as well as the requirements of the manufacturer. Regulatory work may start in this phase.

Phase 6: Manufacturing Start and Support

Before production starts, tooling is produced, and initial units are inspected. Final changes are negotiated with the manufacturer. Regulatory work also should wrap up in this phase.

Why Different Types of Vehicles Need Very Specific Commercial Auto Insurance Coverage

If you're a small business owner operating a commercial vehicle, then you may believe that obtaining the right insurance is as simple and straightforward as obtaining "commercial auto insurance". However, that's actually a broad classification which houses many dozens of different types of policies.

While it's not as straightforward as a result, the good news is that you're ensured of always finding a specific policy which matches up with what you're doing. For example, you need to consider the different risks that you face with very different types of vehicles, as well as different risks based upon different industries, and services being performed.

Let's take a look at a few different vehicles and industries to demonstrate this point, starting with non-emergency medical transportation. These are specially equipped vehicles, typically vans although in some cases small buses, which provide assistance for individuals who are perhaps disabled and could not ride in a regular car.

Providing this service adds on different risk factors, the equipment which has been installed in these vehicles adds new risks, and changes the value of the vehicle, and so forth. Certainly a non-emergency medical transportation offering daily ride services to two individuals in wheelchairs needs a different policy than a construction worker with a van equipped with the tools of his trade.

Another interesting example to consider is the burgeoning world of food truck companies. Food trucks are greatly different from other trucks, and even other semi-related trucks, such as ice cream trucks, or refrigerated trucks.

With food trucks, you're actually preparing the food in that vehicle. That means there is cooking equipment, heat and energy sources, open flames, knives, and the people back there doing the cooking. Sounds like there's a whole load of unique risks and specifications that food truck insurance policies would need to cover as opposed to a vehicle such as a pickup truck or 18 wheeler.

Of course, these are just a few examples to clarify the point that all specialty vehicles and different industries face their own risks and challenges. Therefore, generic commercial auto or truck insurance is simply a term, whereas the coverage you need will be fine-tuned to your profession.

When you're shopping for commercial auto or truck insurance, don't try to go it alone. Consult with an experienced insurance agent who can help you find the policy which is the exact "just right" fit for you, your business, whatever type of vehicle you're operating, and whatever you're actually doing with it.

Call Center - More Than Just a Career

Call center workers across the world enjoy the one of a kind taste of accomplishment. Millions of people are employed in this industry because of the blissful way in lifting the career opportunity. Yuppie workers especially Filipinos believed that working in a call center are more than just a career.

The picture of the Philippine economy is never before before when the outsourcing industry came in. It was an open book that the country is struggling against millions of people who are unemployed. The unemployment and unemployment rate was the battle cry of the Filipino especially that poverty led the cause-oriented and militant groups to dramatize their concerns by staging a street protest.

Militant groups underscored their outline to the government to consider their sentiment by urging the Senate and the House of Representatives to pass a law that will add 125 pesos to the previous 198 pesos in terms of the daily minimum wage. In Metro Manila, the existing minimum wage is 360 pesos a day.

On the other hand, workers in the Visayas and Mindanao set by the Regional Tripartite Wages and Productivity Board (RTWPB) are receiving a minimum wage of 209 pesos every day. The setting up of a competitive salary hike to every Filipino worker is a long demand since the previous governance.

But the entry of contact centers and the BPO (business process outsourcing) companies in the Philippines save the Filipino workers from receiving poor pay and benefits. This is a magnificent development today because yuppie and fresh graduations are welcomed to work in any of the call center in the Philippines. And also, the starting pay is bigger with night differential, overtime pay, responsibilities, and fringe benefits.

For the past years, Filipino contact center workers provided their skills and competency in understanding the concerns of their customers as far as the United States, Canada, United Kingdom, and Australia. The opportunity continues to receive positive feedback in every client that caters by the call center workers.

Aside of the attractive pay, BPO workers receive discounts in shopping malls, spa, disco bar, restaurants, and even travel opportunity to any of their favorite destinations. This is true because contact centers usually usually tie up in different kinds of establishments which is part of helping their employees enjoy the lifestyle. In addition, facilities like fitness gym, entertainment area, sleeping quarters, and spa are also offered by some major call center companies.

Imagine the joy and excitement in boosting your lifestyle. This is the reason why Filipino workers want to build their promising career in call centers. Hundreds of seats are offered by these outsourcing companies in response to the increasing demand of the customer relationship management.

Filipinos should be proud that off-shoring business continues to receive wonderful feedback from the international investors. To date, thousands of Filipinos are engaged in this job and continue to dominate in the global market. The expanded services like outbound and inbound, chat support, web content writing, and other jobs related to BPO jobs can be handled by Filipino workers with no hassle.

SAS for a Great Career

SAS certification has assisted thousands of candidates by enhancing their level of personal development. The popularity of SAS is noticeable as it deals with different types of structured and unstructured data belonging to different destinations. It is one of the customized integrated tools used for predictive modeling, data mining, and analyzing multivariate and forecasting purposes.

Working of SAS

The major industrial sectors using SAS are banking, pharmaceuticals, education, government and other commercial sectors. For users' convenience, the SAS data is saved in HTML, RTF and PDF formats. However, the original data is either available in SAS format or tabulated Excel format. The data in rows are referred to OBSERVATION and columns as VARIABLES. In addition, the data is comprised of two phases; compilation phase and execution phase. This business-intelligence-software programming offers the facilities to manage and analyze enormous data sets with just the click of a few buttons or programming.

The compatibility of SAS over flat and un-formatted files encourages users to use the software in various data analysis disciplines. Here are the industrial sectors listed below, which have explored SAS reliability:

• Financial analysis, Publication, Psychological testing, Sales forecasting


• Study consumer behavior, financial risk analysis, Academic research


• Website, Data analysis, Business Intelligence


• Banking and Pharmaceutical analysis

Participants, who have high career aspirations, can opt for a SAS Global Certification program. There are ten best reasons provided below to become SAS certified professional:

1. SAS certification helps to develop logical thinking and changes your perception when you look at the data.


2. It empowers your industry validation and SAS expertise.


3. Develops rapport with your employer and enhance the chance of personal growth in an organization.


4. It offers a good career and strengthens earning power.


5. SAS credential comes with a digital badge, which is easy to share documentation.


6. SAS certification makes you ready for immediate relevancy to real-world needs.


7. SAS is in high demand around the global industry.


8. Defined training paths and certification assist in easy preparation at affordable prices.


9. SAS certified individuals have the plethora of opportunities available in the field.


10. SAS certified participants are listed in the Directory of SAS Certified Professionals, which has the access to all employers that validate your credentials.

Acquiring a SAS certification validates SAS skills in Programming, Analytics, Data Science, Administration, Data Management and Enterprise Business Intelligence.

Aspirants keen to understand SAS, skill the programming, and want to master the technology, they must opt for SAS training course for the beginners. Later, opting for advanced SAS training and certification will assist them in finding a great and exciting career ahead.

Steps on How to Wire a House

Sometimes we encounter unnecessary events in our house such as electrical faulty wiring. It damages our bulbs, appliances and even the wiring itself that usually causes a fire.

Even if we are not specialized in electrical wiring anybody of us can be an electrician. We can do such basic installation into our house just to follow a simple yet very cautious instruction for our safety.

Here are some basic steps on how to wire a house:

Step 1


Be sure to have the necessary electrical tools. Bring the following to be used:

A. Pliers


B. Side Cutters


C. Circuit Tester


D. Electrical Tape and tape measures


E. Wire stripper


F. Screwdrivers- both Flat bladed and Phillip head


G. Wire, Cables, and Tape measures


H. Safety goggles

Note: There are many list of equipments used in electrical wiring. Never use low class tools, it can lead you to an electrical accident.

Step 2


Sketch your electrical plan. Analyze and design efficiently what you have drawn and organize it step by step. This will make your work faster.

Step 3


Set up your wiring lane within the house. Decide the area to place your switches, fixtures, and outlets. Put switches close to the door for easy used. Make sure it does not block the other materials in your home. Keep it simple.

Step 4


Set up wires, cables, switches, and outlet. Connect and place them accurately on you wall or ceilings. Use the necessary tools to do it.

Note: Be sure that your electrical power supply is off upon wiring to avoid electrical dangers.

Step 5


Connect the wires properly. Same color must connect to each other. Tape the wires properly. Avoid the exposure of open wires.

Step 6


Evaluate voltage requirement of your appliances and equipments so that you can choose the right range of your circuit breakers.

Step 7


Test existing connections. Check wires if still working. You can use this to save your money, time, and energy. If not, replace or establish a new wiring system.

Step 8


Study the existing ordinances and laws in your respective state before installation of wires. These keep everything to be safe and avoid hazards in your home. Know the basic Electrical Code.

Step 9


Protect yourself properly. Wear gloves and goggles when you work on your electrical wiring. This will guard you from possible incident such as electric shocks.

Step 10


Set up your circuit breakers. Please take note that every wiring system you connected has its own fuse and circuit breakers. It has important roles to protect your home from possible incidents.

If you have already done the steps and connections ensure that it passed the safety standards. This is very important to avoid fire or explosion upon testing your electrical wiring. Make sure you tested all the electrical connection, switches, fuse, and outlet. After checking the possibilities of improper work you might have done, test your wiring if it is actually working.