Ways to Save on Car Insurance for Your Renault

According to the World Car Market, Renault is one of the top ten car brands in the world today. With such a quality investment, it’s important to get the right insurance. Even with the growing number of online comparison sites, it’s not always easy to find the right level of cover at an attractive price. Here are some tips that might help you save money on car insurance for your Renault:

1. Don’t hesitate to switch insurers:

There are plenty of people who stick with the same insurer for twenty years. Perhaps they’re happy with the service they’ve obtained in the past, or maybe they like the speed with which their insurer processes claims. That’s fine – if you’re 100% happy with your current insurer, by all means hang on to them. However, if your reason for staying with one company has more to do with apathetic inertia than customer satisfaction, you could be paying too much by not bothering to investigate the competition.

2. Add your most responsible female family member as a named driver on your policy:

The more good drivers that are designated ‘named drivers’ on your policy, the better the insurer likes it. If the added driver is a female with a long, clean driving history and no previous claims, that’s even better. From the insurer’s point of view, adding a responsible driver to your cover helps spread the risk. If the risk is reduced, there’s a chance the cost of your premium may be too. It doesn’t actually matter if this person hardly ever drives your Renault.

3. Practice the fine art of bargaining:

Always ask for a cheaper price on your premium. If you own a smaller car like a Renault Twingo, your insurance shouldn’t be costing you as much as what your neighbour pays for his Hummer. If it is, you need to do some serious negotiating (or find another insurer).

Once you’ve sorted out the fine details and your insurer has provided a price, it’s time for some haggling. The trick is not to ask for too much of a reduction (5-10% is reasonable), because you’ll probably get an outright refusal. Also, if you try the ever-popular “Insurer B will insure me for 20% less” assertion (which you’ve just made up), the person in front of you will suspect that either (a) you’re not a very nice person for lying to them, (b) you are a bit silly for not grabbing that other insurance, or (c) you must have been quoted a very basic, no-frills policy which you’ll be very sorry about later. Most car insurers have a pretty good handle on what everyone else in the business is charging, so don’t assume you know more on the subject than they do.

Even if you only get a premium reduction of 2%, that’s better than nothing. Polite haggling has become more socially acceptable, so don’t be afraid to try it with the car insurance for your Renault.

4. Be sure to provide the insurer with all your good news:

If you have never had to make a car insurance claim, this is something your insurer should know. If you recently completed an advanced driver safety course, this too may help reduce your premium.

How To Pound Out, Or Pop Out, A Car Dent, Diy Auto Body Dent Repair

TOOLS NEEDED:

SOFT HAMMER
(or Ball Peen Hammer)
BODY HAMMERS
HAMMERING DOLLY
(or Solid Metal Piece)
TORCH or LIGHTER
VICE-GRIP PLIERS
36-120 GRIT SANDPAPER
600 GRIT WET/DRY PAPER
SMALL WOOD BLOCK
METAL FILE
SUCTION CUP
DRY ICE
RULER
DRILL & GRIT DISK
SPRAY PRIMER

Auto body dents come in all shapes and sizes, from a large crease, to a shallow depression or just a little ding. One quality they all share is they distort the original shape of the sheet metal. The general definition of a dent is any place where the metal of the cars body has been stretched. So, in order to repair the car body, one has to bring the dent back to its original shape by un-stretching the metal. Depending on the type of dent, one can pop out the dent or pound out the dent.

If youre the DIY (Do It Yourself) type, then you’ll try to repair dents in your car’s body yourself. Before attempting this, compare the costs of hiring a professional with your confidence of doing the job properly yourself…and be honest about your auto body repair experience and ability. If youre one of those people that starts a car project and then gets frustrated half way through because its harder than you thought, (YOU know who you are!) then it is probably best only to risk a dent repair job yourself with an older, less expensive car. That way, the repair costs might already be more than the car’s actual value. Even then, you may only be able to repair fender dents, as they can be removed without anything from the car’s interior getting in the way (IE inner door panels).

There are two main types of car dent repairs: paint restoration repair and dent repair without paint. The first type of dent repair is for minor dents and dings, and paint restoration dent repair is for when serious damage was inflicted on the car body part(s). Many car owners, especially in this economy, are looking for ways to get around paying to take their car to an auto repair shop. With this in mind, Ill cover both DIY small dent removal and large dent repair. Ill put a disclaimer right up front that the following methods with not work for every dent, every time. Yet, there is no harm in trying them to save a buck.

Small Dents & Do It Yourself DIY Fender Dent Repair

SOFT HAMMER DENT REMOVAL:

Most cars today feature a car body so thin and flexible that dents can be created accidentally…by simply leaning on your car! Most very small dents can be easily repaired with a soft hammer. Always aim for the center of the dent, to avoid making new marks on the outer circumference of it, and pound out the depression. NOTE: you may have to view the dent from the underside of the car. With a fender dent, this can only be done by raising the vehicle and removing the wheel under the dent. Then, while hammering with one hand, you can feel the outside of the fender with your other. This allows you to check that the dent is evenly pushed out. If you *still* cant remove the dent, jump ahead to the large dent removal section of this article, as you will have to remove the fender from the car.

TORCH, LIGHTER & HAIR DRYER DENT REMOVAL:
http://metacafe.com/watch/963248/remove_car_dent_with_a_lighter/

You can heat the convex (dented) portion of a car dent with a torch, lighter or hair dryer, until it glows a dull red. Then stop heating it and let the dented surface cool. As the metal cools, the dent will shrink back, and hopefully pop out, leaving the surface very close to original.

SUCTION CUP DENT REMOVAL:

If you are not able to pound out your small dent easily, you may have a medium dent in your car. In that case, you can attach a large suction cup with a handle to the dented car part…and pull out the dent. How does this work? As you squeeze the cup against the car bodys dented surface, you are actually squeezing the air out from underneath it. The resulting vacuum you create causes the suction cup to stick onto the surface. Start by placing the suction cup along the edge of the dent, pulling it out, and slowly working your way inward. If youre still having trouble, you should try tapping the dent with a soft hammer, from the inside, while you pull out the dent from the outside.

DRY ICE DENT REMOVAL:
A How To Video of DRY ICE DENT REMOVAL:
http://metacafe.com/watch/yt-ab5PdrAIKeo/how_to_cure_car_dent_with_dry_ice/

Dry ice may be used to repair a small car dent, and is sold by many grocery stores. (Always remember to use gloves when handling dry ice!) Simply place the dry ice in the center of the dent, wait for it to attach firmly to the car body, and gently pull out the dent. You may have to repeat this procedure several times for the dent to be totally removed.

Large Dents & Do It Yourself DIY Car Dent Repair

OK…the Intro To DIY Dent Removal 101 class ends HERE. The following techniques are for large dents, requiring more car repair experience and skill. Start by removing all bolts from the fender, and taking it off the car body. If you cant remove the fender, there is at least one hidden bolt left intact…find it and remove it. NOTE: Never force the fender off a car. (*Some* mechanics also recommend you drill a hole in the center of the dent, using a 1/8 inch drill bit. This is entirely up to YOU. If you are using a dent repair kit, you will most likely find a plastic adapter and glue gun included, and these would be used for that task.) Once the fender is lifted off, use a heavier hammer to pound out the dents from the fender’s underside. Always start from the CENTER of the dent and use short, small taps on the dent, not long, hard ones. As you pound out the dent, hold a hammer dolly against the outside of the fender to prevent making new protrusions around the dent. If the fender supports are bent, be sure to straighten them back out with vice-grip pliers. After youve successfully fixed the dent, simply re-attach all the bolts and put the fender back on the car.

Body hammers and hammer dollies come in many shapes, sizes and weights. First, examine the dent closely with a ruler for depth and length. Then, always choose the best-shaped and smallest size hammer that will do the job, and the dolly that has the closest curvature to the dented panel. If you don’t have body tools, you can try to use a ball peen hammer and solid scrap metal piece as your dolly. This will take a lot of taps, but wont do as much damage to your car body panel. Since all dents are unique, so is each dent repair, and you truly have to use your own best judgement to get the metal straightened. Start by placing the dolly against the top side of the dent and, swinging the hammer from the underside of the dent, begin tapping with MANY short, small taps.

The fender pictured above has a typical dent in the side: oval-shaped, 3 inches long and 2 inches wide. In that case, they used a hammer with a large, flat round top, to be sure the overall force of the blows would be evenly transmitted over an area of a couple square inches. This helped pound out the dent without creating unsightly, little pin-sized mounds. The head of the hammer should strike the sheet metal flat against its surface, as, at the same time,
you hold the dolly directly over where you are striking.

Note that, after every few taps, you must lift the dolly and examine the dent to be sure the taps are reducing the depth of the dent AND not resulting in little convex dents. If the taps are leaving little mounds on the surface, you must start using a hammer with a larger head. If the dent hasnt moved at all, put the dolly down and hit the inside of the dent harder. After the dent popped out, it left a slight raised section, which is easily seen under the straight edge.

If you pop out the dent, but end up with one spot that stands up too high, dont worry. This is common, and there are two ways to fix this reverse-dent. This time, put the dolly underneath the fender and gently tap the convex (raised) area with the smaller head of the hammer. Repetitive, small hammer hits should level the surface completely.

How To Tell If The Repair Conforms
To The Original Car Body Surface?

Using the body file, you can find the high spots that need additional attention, and very lightly tap them down until the surface returns to its original shape again.

You can now file the once dented area, scraping off the etching primer coating. As you file the surface, take note of which areas are still a little low and which are now a bit too high. Go back and re-do one of the above methods until the dent is removed enough to meet your standards. Then, use a medium grit disk mounted on a drill to grind the paint down to the bare metal for at least one inch around the dent. Next, fill the area with a high quality body filler. Allow that to dry completely, then sand the area with a block of wood wrapped in sandpaper. Prime the area with 6 coats of automotive spray primer. Be sure to allow each coat of primer to dry completely before applying the next one over it. Sand the primer using a 600-grit wet and dry sandpaper to remove scratches. Touch up the area with a matching automotive paint. When applying automotive paint, do so using a spray gun and in a brisk, fluid motion. If the newly painted area is not smooth, re-sand and re-paint it until it is.

How good you need your dent repair to be is really up to each individual. You can keep working the dent until your file shows the metal surface is perfect, or you can leave little low spots to be filled later with body filler. NOTE: Overworking the metal can leave it brittle, and it might begin to crack instead of bend.

Sometimes…Less IS more! *smile* Generally, if you are considered (by yourself or others) to be a Perfectionist, then its probably best to have your car professionally repaired to its original, perfect self. Otherwise, you might find yourself endlessly obsessing and working the dent until it cracks. If your standards are more flexible, youre on a tight budget, and are handy with a hammer, then try our dent repair methods and let us know how it goes…GOOD LUCK!

Starting A Soap Business – Tips For A Fast Start

Does starting a soap business sound like living it up to you? Natural soap certainly does sell well and you really can turn a soap making hobby into a money builder very fast in comparison to many other home scale small business ideas. Here’s the thing, it costs so little to get going that many folks give soap marketing a try. Here are a few real world tips for starting and running a soap making and marketing venture.

Do you really want a business of any sort? Often turning a hobby into a business ruins the hobby and never makes any money either. Do you really want to deal with all that goes into interacting with people and selling? Then there’s volume production to consider. How would you like to move from making dozens of bars of soap to tens of thousands of bars? It may turn into a lot of work. Even making hundreds of soap bars in a fairly short time frame is much like real work.

Licenses and other obstacles need not be a complete stop. Sometimes that’s the first thing business writers want to talk about. Get real… There are very few regulations about making soap. Now cosmetics, like lotions, are a completely different matter. Soap is not highly regulated, so that’s a real plus. Now licenses are something you should look into, but be realistic. To start, you’re probably just working at the hobby level. Don’t let the need for licenses stop you from getting started. Get what you need, but don’t be paralyzed into inaction.

The product is key and here’s why. Here’s the deal. There are plenty of people making soap. Why should anybody buy yours? Can you answer that easily? What you need is a product that truly is different, something that’s unique to you. That’s fairly easy to do with soap if you know how… and you can learn.

Marketing can be relatively easy if you get started a particular way. Making soap is one thing. Selling is quite another. Your plan should include a way to get people to try the product, hopefully a way to get lots of people to try it. There are ways, you know. Then the easy part is following up with customers to get repeat sales. Even though that’s easy, most soap makers don’t do it… probably because they don’t know how.

Can you make money selling soap? Possibly… That’s because there is a good potential profit in a bar of soap. The material cost is quite a bit less than the price a bar of soap brings. But you have to buy materials wisely, plus you have to move a lot of soap in a hurry. Both of those can be done, if you know what you’re doing.

Time Management with Eduardo Duluc

Eduardo Duluc often feels as though he is juggling a thousand responsibilities at once. Between running his multiple companies, keeping up with his philanthropic work, maintaining strong business relationships, making time for his fiance and children, and at some point carving out some space for himself, Eduardo Duluc’s schedule is always planned to the minute. Even if he had no need to sleep, he would still find himself with too much to do.

Many other people also often feel stressed about how to manage everything on their plate at once. It can quickly become overwhelming to see tasks and assignments pile up, and often that does not even include events occurring on the personal and social side of life.

Eduardo Duluc understands that feeling all too well. However, since he does not even have time to indulge it, he knows the importance of creating and maintaining successful time management habits in his life. Here are three of those habits that Eduardo Duluc feels have the potential to benefit others who also have busy schedules:
Be firm with your plans. Nothing gets more hectic than setting dates and times for ten events or appointments, and then finding you have to change them all. Make a good habit of sticking to a set date whenever possible (unless it is absolutely necessary to change it). Otherwise, there is no point in relying on your schedule at all. From that same perspective, Eduardo Duluc advises that you do not confirm a date until you are certain it will work for you.
Try to keep a balance. Eduardo Duluc knows that it can be tempting to spend your whole day working on a single project. That is all well and good – if you only have one project to work on. If you are like most of us, that is not the case. Do not devote too much time to one single thing – not only will you neglect other duties, but you will quickly become burned out.
Fun is important, too! Eduardo Duluc always makes certain to commit time to his family. Not only do they deserve equal portions of his time, being around them is a low stress environment, and helps to keep him sane during his professional pursuits. Eduardo Duluc encourages all those with busy schedules to follow these three tips, in addition to seeking out more help on their own. Managing a busy schedule can be very rewarding when done right – but a disaster if done poorly.

Sources:

http://www.entrepreneur.com/article/219553
http://www.mindtools.com/pages/main/newMN_HTE.htm

The Foundation Of The Hrm-model

Before describing the HRM model, it is important to define the assumptions and attitudes towards HRM and strategy, which the model is based on. The objective is to ensure a critical evaluation of the model and to decide whether the entire model, or maybe only certain elements, can be used in the specific organisation.

The model provides a framework for a HR strategy process and splits the process into seven steps. It is not significant whether the model is applied in a specific organisation, in an exact manner or in an adapted version. The importance is to use the same framework consistently throughout the organisation. When all sections/managers work strategically based on the same model, the management is able to follow the performance of each section/manager and take action when the business strategy is not followed.

Paul Kearns has written numerous books within HRM and he has extensive experience within HR. Based on his knowledge about HRM, he believes that an HR strategy should be based on the following principles:

– “A business strategy should give you a competitive advantage”.

– “A human resource strategy turns the way you manage your people into a competitive advantage”.

– “An HR strategy is a business strategy”.

The strategic basis of the model is that the organisation and its surrounding environments are dynamic and subject to change, which is why the HR strategy should not be expressed as a linear strategy. There are too many uncertain variables, which is why the strategy has to be flexible towards these. The HRM model is a holistic model that seeks to include as many variables as possible. This is connected to a basic assumption about the high degree of complexity in most of the causal relationships, which makes it impossible to objectively predict what happens to activity B if we make changes in activity A.

In terms of strategy, it is more sensible to use a systemic perspective, which entails that an organisation should be viewed in consideration of the system, in which the organisation operates, e.g. more or less all internal and external factors that influence the organisation. In practice, considerations in relation to the strategy may include political decisions, economic conditions, consumer trends etc.

According to the HRM model, an HR strategy should aim at considering all known variables and possible scenarios. This is obviously an idealistic target that is impossible to reach completely. Nevertheless, it should be the ambitious objective, characterising the approach to HR strategy.

There are many possibilities to get a further education in the field of HRM for example through online courses from PROBANA Business School.

1 23 24 25 26 27 752