If You Have One of These Five Most Dangerous Jobs, Life Insurance is a Must

No.1 Commercial Fishing

Based on statistics from the year 2010, the dangers of the high seas has resulted to 116 deaths for every 100,000 commercial fishing personnel. There is a record of 129 deaths as well as 61 injuries for every 100,000 American commercial fishermen in the year 2008 alone. The fishing industry has been suffering from extremely high occupational death rates in the past few years. And probably these workers are the greater part of life insurance carriers.

No.2 Loggers

The death rate in this industry is 91.9 per 100,000. If you think you are cut out to be a logger, there are three things you need to have on your side – luck, reflexes and skills. Whether one is cutting down a big tree as heavy as 10 tons or as high as a 5-storey building, loading heavy trunks or doing other stuff related to your job, you would need to have all of abovementioned things.

No.3 Goldminer

Having to work in an open-pit mine is basically like working inside or being part of a finely tuned machine. Goldminers usually have to drive 200-ton trucks, rummage through rocks or orchestrate explosions to get near the gold. It’s not just goldminers that are exposed to this kind of environment though – other types of miners also have to deal with these dangers day in and day out. The most dangerous mining job goes to mining machine operators though because 38.7 per 100,000 of them die annually.

No.4 Garbage Collectors/Professional Recyclers

Although this job was not even in the top 10 most dangerous jobs 10 years ago, they have become deadlier in recent times. The increasing number of waste in the United States resulted to an increase in collections which means that collectors are usually on the road. Aside from machinery accidents, garbage collectors are also exposed to traffic-related accidents.

No. 5 Roofers

In 2008, there were 34 recorded deaths in every 100,000 American roofers. Although the numbers are still the same, this job is still relatively one of the most dangerous jobs in the United States. Aside from trips and falls, roofers also have to be careful when dealing with hot asphalt.

All these people have the first neccessity of a life insurance protection for their families as a financial investment. Whether you work for an industry that exposes you to danger on a daily basis or you work in an office building where it is relatively safe, getting a life insurance policy is always a good idea.

Volunteering with Children

Volunteering with Children

Working with kids is one of the most fulfilling jobs that are available. When you work with kids you will have the opportunity to shape the life of a child. The influence that you will have on a child will last forever. The small things you do to kids as a favor have a huge impact on their lives. There are many programs out there that give you the chance to work with kids. There are the big brother programs, mentoring programs which are available in your local volunteer centres. There are also government organizations or institutions that help kids, like foster homes and group homes which could be a great resource for you to work in. Some of the activities you could do while you are at home include: forming a child care group; mentoring a child at the local Y; tutoring kids; reading to kids in the library; contact the local homeless assistance centre and help the homeless kids; and help in a local child advocacy group.

When you want to travel abroad and work with kids the opportunities are endless. There are many non profits or not for profit organizations out there which offer you the opportunity to volunteer abroad. You could partner with a volunteer travel agency, a charity organization or a grass root organizations which have programs with kids. The volunteer opportunities are for all ages you could be 18 years up to 60 years old to be able to volunteer. Although many women would prefer this jobs there are also men out there who are embracing these new jobs. When you want to work with kids you should have the following qualities: open and kind demeanor; willing to care for the kids; open minded, patience; and loving. The opportunities are mainly in third world and developing countries, where you will go to Africa, Asia, and South America to volunteer.  The kids who you will work with don’t have any one to care for them, they are not loved and they don’t have any special attention. When you volunteer abroad to work with kids you will be working in:


Orphanage work


Most of the volunteer work that is done with children is in orphanages. Most of the kids are orphaned because of famine, diseases, wars or natural calamities and social calamities. Many of the kids you will be working with are orphans and some could be having only one parent. They are vulnerable as they have no one to take care of them. The children especially in Africa are orphaned because of HIV/AIDS. Their parents die of the disease and their grandparents are left to take care of them. The only institutions available to take care of the kids are orphanages. The orphanages are normally understaffed working with a large number of kids. The ages of the kids in the orphanages range between 1 – 18 years. A large portion of the kids are often younger because the older ones are sponsored and go to boarding school. The kids could also be disabled, suffering from an untreatable disease, mentally handicapped or challenged in some way or the other. As a volunteer you will be required to perform a various number of tasks: providing one on one attention to the kids; helping them with their homework; feeding the kids; washing the kids; playing with the kids and mentoring them. It’s best to volunteer for more than one month because if you volunteer for a shorter period you won’t have any impact on the kids. Also the constant change will affect the kids negatively. When you volunteer with the kids you will form a bond that will last forever and when they are grown up and successful they will also help other unfortunate kids.





Other ways in which you will be involved with kids is through teaching. You will volunteer as a teacher, and educate the children. You will teach the lower grades since it will be easier for you. The lessons will be done in schools where you will have basic resources, and sometimes they won’t be available.  You will have to come up with imaginative ways to engage your students. You will be teaching English, Maths, Social sciences, Music or Physical Education. Also you will be asked to help with their homework; tutoring the slower kids to help them catch up and in some case help in providing lunch.




Improve your car security against theft and get auto insurance discounts

Auto insurance quotes are affected by a huge number of different variables that help the insurers determine the risk of insuring a particular car. All cars are different in terms of safety and security, and very different people drive these cars in different parts of the country. These things are all taken into consideration when calculating auto insurance quotes, and sometimes you can even leave a variable unnoticed but it will still have a huge impact on your insurance costs. Such is the situation with car safety and theft risk, which many people tend to forget about. Whether it is likely for your car being stolen or not, this will have a huge weight in your rates, and you have to know how this risk is determined and how you can manage it effectively.

First of all, it is important to understand why car theft is such a big problem. Well, it’s pretty obvious that having your car stolen is one of the worse things that can happen to you in terms of transportation, and the insurance company isn’t happy either because they will have to reimburse the value of the car (if you have fully comprehensive coverage that is). Thus, if there’s a particular area that is known for high theft rates or your car makes part of the list of the most stolen vehicles, then you’ll automatically get higher auto insurance rates because of the increased risk. Besides, if your car doesn’t have any security features that could prevent theft it is also considered as vulnerable and your premiums will be higher.

When you understand how theft risk affects auto insurance quotes, it is important to understand how you can manage this risk in order to get lower rates.

It is not that complicated as you may imagine. Sure, moving to an area with lower crime rates or buying a car that is not stolen that often is a solution, but it’s a radical one, which not everyone can afford. A much simpler and cheaper solution is improving the security of your vehicle. There are many devices that are used to protect your car from theft and burglary, including alarm systems, digital locks, engine and transmission blockers and other features. Each of these, when installed into your car, will make it harder to steal your car, thus the risk of theft is reduced. The more features of this kind you introduce to the vehicle, the lower is the risk, and the lower premiums you’ll get from your provider. Just make sure to check with your insurer every time when you make an improvement in order to document it properly and get the auto insurance discount you deserve. As you can see, there’s nothing really complicated about vehicle security.

Home insurance and women insuring their personal jewelry

It doesn’t matter who you are nor how careful you claim to be, everyone can lose things they value. Sometimes it will be to gravity as something falls through a drain and is swept away. Sometimes a thief will carry it away. No matter what the cause, you end up the poorer. Worse, of course, if the thing you lose was valuable in emotional terms. Now replacing the thing will not be satisfying. A recent survey of married women found about half the respondents had lost personal jewelry. If you take each item in physical terms, the individual losses were less than $5,000 per item, but the loss in emotional was incalculable. How do you put a monetary value on the distress when you lose the last item that belonged to your mother? Interestingly, just over 65% of the respondents discovered their insurance policy did not cover the loss and could not even replace the physical object with something similar. This emphasizes the need to ensure you have adequate insurance for your personal jewelry.

You need to start with home insurance coverage for both repair and replacement. A precious object that is merely damaged is just as distressing as one that disappears in mysterious circumstances. This leads to the difficult question of valuation. The paper value may not be the same as the emotional value but insurance companies only accept the value of the physical object. In the case of jewelry, this will be the value of any precious metal used in its manufacture plus an additional sum to cover artistic worth. If individual items are objectively valuable, make a separate list and submit it to your insurer with photographs. It may be necessary to pay for a formal appraisal if the cumulative value of all the items is high or individual items are more valuable. In such cases, the appraisal may need to be adjusted every year to reflect changes in the international prices of gold, silver, etc. with each new value written as a rider to your home insurance policy. Ultimately, it comes down to the amount of cover you’re prepared to pay for to feel protected.

Options for high-risk drivers to get adequate insurance coverage

If you are reading this post, you must have been designated a high-risk driver due to this or that factor. You may have too many tickets or been caught driving without insurance. Drivers with DUIs/DWIs are labeled as high-risk by insurance companies. Being a new and young driver can place you in this category. Having this label makes it challenging to find cheap auto insurance. but all it takes a bit of knowledge about the insurance industry and a great quote comparison site. You can actually find a good policy without ever leaving your home.

Shop online, find a company targeting high-risk drivers

Comparison shopping is the fastest way for high-risk drivers to find affordable auto insurance coverage . You should know if you are considered a high-risk driver before requesting quotes. Online quote comparison sites can quickly provide you with competitive offers from reputable insurance providers in your area. There are insurance companies that specifically target high-risk drivers. If you select a quote from a lesser known insurance company, take the time to review the company’s ratings so you are confident you are getting a policy from a reliable provider.

Improve your driving record

There are actions you can take to minimize your perceived future risk to insurance companies. Begin by working to improve your driving record. Avoid further tickets and driving violations. It can take as long as three years to clear your record of certain black marks. Taking a remedial driver education class can help you get lower rates. Spending less time on the road can significantly lower your risk level. Even improving your credit score makes you a better candidate for cheap auto insurance.

Check SR-22 Insurance requirements

If you are labeled a high-risk driver, you must meet SR-22 insurance requirements. This is simply verification submitted to your state’s motor vehicle department confirming your compliance with legal requirements for having insurance. Not all insurance companies provide this service so you may have to find one that has been approved by your state to offer SR-22. Never permit your insurance coverage to lapse. If for any reason this occurs, your insurance company is required by law to report such to the state. It is your responsibility to notify the state if you switch providers or get a new policy. Now you see getting cheap auto insurance is possible even for drivers designated high-risk ones.