Motor Insurance Quotes – Are Motor Insurance Quotes Legally Binding?

Q: Are the motor insurance quotes I receive from insurance companies binding? If so for how long?

A: The answer to that is yes and no. Let us explain. If you receive motor insurance quotes from an insurance company – then that is the price they are going to charge you. However, they are not legally bound to quote you the same price if you call them back three days later.

It is likely you will receive the same quote from the same company provided there were no incidents from when you first received the quote, but just because it is likely doesn’t mean that the company is bound to stand to by the earlier quote.

A good way to find out how long the quoted rate is good for is to ask the agent or representative who is giving you the quote. Be wary of a hard sell at this point however as the agent is going to realize you will be requesting quotes from other companies.

Motor insurance quotes are liable to change suddenly due to market changes, new insurance legislation, or a driving offense that may have occurred. To avoid this we recommend doing all of your insurance shopping over a one or two day span. This will ensure you get the price that was quoted to you.

Lastly, we strongly recommend that you take comparison shopping seriously when it comes to finding the best deal on auto insurance. While it may sound like common sense, there are many drivers who don’t take the time to compare quotes from different companies and end up overpaying for their coverage as a result.

Which Wood is Best For Outdoor Furniture – Teak Or Cedar?

If you are looking to landscape your backyard, reinvigorate your tired porch or patio, or even create a warm and welcoming living area out of that new deck, you may need some new furniture.  After all what good is having a great place to entertain if your guests don’t feel comfortable while they’re there?  When you need a few chairs to fill some space on the porch, or that plush, comfortable, deep seating sofa for the veranda, chances are that Teak or Cedar will be your best choice for this outdoor living furniture.  Which to choose will depend on a variety of factors however most importantly you will need to consider the look you are hoping to achieve, maintenance required, and the price you can expect to pay in order find the best fit. So read below and you’ll be lounging by your new poolside bar in a new sun lounger in no time at all!

The Look

One of the most important features of any new furniture is the appearance that it gives off.  Is your outdoor patio living space better suited for a rustic appeal or luxurious contemporary style?  Perhaps neither.  Maybe just a simple, yet warm, elegance speaks to you more.  But whether you’re looking to create a fun, relaxing environment with a pool side bar and some sun loungers or a simple conversational seating area you will have many choices with both Teak and Cedar.

Cedar usually has a very natural look, accenting your living area with soft red, light brown, and gray tones.  Lightweight and porous, cedar can easily accept a stain, sealer, or even paint, but most commonly is left in a raw finely sanded finish to preserve its natural look, feel, and smell.  Cedar is aromatic by nature which not only adds to the ambiance of a relaxing evening, but also helps preserve and protect the wood from insects and weather.

Teak is almost the polar opposite of cedar in terms of just about everything.  Teak is by nature a hardwood and as such, is more dense and heavy than cedar.  Grown exclusively in subtropical and tropical regions, and most commonly in the dense jungle of Indonesia and other Asian countries, teak is almost always imported and therefore is also more rare.  As a result of the exoticism associated with teak furniture it has achieved a perception of rarity and wealth and thus portrays a look of luxury and prestige.   Teak outdoor furniture is commonly purchased in one of two ways.  It can either be oiled, to achieve a darker “stained” look, or it can be left in its natural unfinished state where it will gracefully age and turn a soft patina gray color.  This color, unique to teak furniture, contributes to its exotic appeal.

Maintenance

Another very important factor to consider when deciding to purchase outdoor patio furniture is the level of maintenance that you wish to employ in living with your new furniture.  Luckily the maintenance factor, or lack of, is one of the main reasons that both teak wood and cedar wood are top choices of furniture manufacturers and consumers. 

Cedar, by nature is a very resilient wood whose properties help to resist weather of all climates but specifically heavily climates with heavy precipitation.  Snow, sleet, and rain are no concern for the long lasting properties of cedar, which will maintain its brilliance for many years.  This is one of the reasons why leaving cedar furniture in a sanded unfinished state is by far the most popular finish.  Like with many other woods though, some wish to finish their cedar furniture to achieve an altogether different look.  Several refinishing options are listed below in order of popularity.

  1. Stain - many prefer the finished look of a nice stain on their outdoor furniture.  The benefits of using a stain include being able to change the color of the furniture to virtually any color for which stain is available.  Stains are now offered in many shades through the dark to light color spectrum.  The stain may also provide a slight protection from the elements although with cedar it’s not really necessary and so mainly should just be used to alter the color.  The disadvantages of stain are that in order to maintain the original stained look, the stain needs to be reapplied every 2-3 years as the stain itself is not as resilient against the suns UV rays and weather elements as the wood is.
  2. Sealer – some prefer to “lock in” the natural look of their cedar furniture and so choose to use a high end sealer.  Sealers are made by many companies and are available at any hardware or big box store.  The sealer will prevent the cedar patio furniture from fading and will slow down the aging process.  Keep in mind though that this aging is often a desired affect of the cedar.  The downside to sealing the cedar furniture is consistent with the drawback to using a stain.  In order to maintain its effectiveness, it must be reapplied every 2-3 years which can be tedious and cumbersome.
  3. Paint – like any wood surface, cedar can be painted with a fine outdoor wood paint.  This is not as common as staining or sealing the furniture because paint will crack and chip, and also drastically alters the appearance of the furniture from its natural state.  Once the paint cracks and chips the entire painted surface must be completely sanded and repainted, sealed, or stained.

Teak is also a very weather resistant and ultra resilient wood due in part to its propensity to secrete a natural teak oil which helps to self condition it and protect against the harsh demands of a wet and/or humid climate.  Many shipbuilders choose teak as a main wood for the decks of their ships for this very reason.  Many sunken ships have been raised from the depths of the ocean only to show the teak beautifully preserved and in tact.  It’s this property that makes teak more commonly found in its natural unfinished state as there is no functional reason to apply any external finish to the surface.  Some customers however choose to apply additional amounts of this teak oil to achieve a darker more stained look.  While this will preserve the “new” look of the furniture it must be reapplied every 2-3 years to maintain this appearance and so can become burdensome.  Also by leaving the teak in its natural state, the often desired patina gray look is naturally achieved where it cannot be, if a teak oil or other finish is applied to the surface of the furniture.

Price

While price is often a concern for consumers, sometimes it is not such a factor for consumers of wood patio furniture.  As with everything else, price is a measure of perceived value.  The more valuable a product is perceived to be in the mind of the consumer, the more it will cost.  This reason alone is why both teak and cedar patio furniture are generally more expensive than other common outdoor furniture materials such as plastic, wicker, or rattan furniture.  Teak and cedar themselves have a price difference too though which can be quite significant depending on the individual furniture item.  Here’s why.

Cedar – because of its lightweight, proximity, ease to harvest and availability, cedar is the cheaper choice of the two wood furniture types.  While it will last a long time and is very durable, typically teak will last longer.

Teak – for all of the reasons opposite cedar, teak is the more valuable wood.  Simply not having the availability of cedar or other woods helps to create this elite, rare, sort of feeling that teak carries with it, which raises the price.  The purchase of teak furniture is often perceived as a sign of affluence or wealth because teak has a widely known reputation for commanding a higher price.  More expensive to harvest, more expensive to ship, and its long lasting appeal coupled with its novelty together contribute to its higher cost to produce which in turn creates a higher price for the consumer.

In summary, “better” or “best” can only be determined by the customer.  However taking appearance, maintenance, and price into consideration, teak and cedar can easily be compared and contrasted for similarities and differences.  Cedar, the more light weight, commonly used wood makes great patio furniture because of its ability to resist insects, rot, and weather elements (specifically rain, sleet, and snow) and also because it is relatively inexpensive to produce.  Teak, the hardwood of the two, is more exotic, rare, and will last longer.  Therefore, it commands a higher price, but also delivers a greater perceived value in terms of prestige, longevity, and maintenance free ownership experience.

The Importance of Employment Tests

It is a known fact that the success of an employer and a company as a whole depends largely on the quality and reliability of its employees. This is the reason why employers must invest time and even money in the recruitment and interview process. Doing so would ensure that only the best possible candidate will be considered for a particular job.

When it comes to screening of potential employees, no other tool does it better than employment tests. These tests can measure what is called the KSA – knowledge, skills and abilities of the job candidates. Employment tests in this context are generally written or automated tests, but also include interviews, personality tests, skill tests, psychological tests, performance tests, medical examinations, agility tests, and so on.

A hiring process that is poorly designed is much like a recruitment process based on flipping a coin. Employers are well-aware that the impact of inefficient recruitment decisions can have costly and detrimental outcomes, which may include expensive training costs, decrease in overall productivity, increase in employee replacement, and increase in legal exposure.

Benefits of Efficient Assessments Incorporating assessment tests ensure that your company is making better hiring decisions. It can determine whether or not an employee can meet your criterion for maintaining high productivity. Consequently, pre-employment tests can reduce expensive and time-consuming recruitment steps by straightforwardly narrowing down the choices that will include only candidates who are best fit for the job. Because job fitting is greatly improved, this scenario can also increase the chances of retaining your employees for far longer periods of time. Furthermore, a well-developed pre-employment testing program can present a professional and positive image for your company, and will decrease the risk of hiring complaints.

Although pre-employment tests are basically a tool that protects employers, it can be just as important for them as for the applicant. It would be a shameful waste of time, effort, and even money to prepare for the responsibilities and challenges of a new job, yet find out later on that one is not capable of performing the tasks on hand and is bound for failure.

The benefits of pre-employment testing are endless. However, employers must know that these tests have certain limitations. For one, written tests must only measure skills that are important for the job description that a candidate is applying for. For this, employers must carefully design their pre-employment testing program. Pre-employment tests not properly designed may create an impression of being discriminatory, and this is something employers must avoid at all times.

Designing testing tools take time and experience. If these two are something your company does not have, you can easily find pre-employment testing software packages on the market. These pre-employment tests have been designed by professionals with expertise and experience in the field of recruitment, and thus can efficiently evaluate the general knowledge, office skills, personality, and so on, of a potential job candidate. There are various types of pre-employment test to choose from, and there will surely be one that best fits your needs as an employer.

Clearly, organizations that have a carefully well-developed testing program that best meets their exact needs will have competitive advantage. Employment tests allow employers to make the best hiring decisions and will consequently improve business revenue, productivity, and overall business outcomes.

What Is Car Body Glass Coating?

Glass coating is an inorganic material made of a Silica or a Quartz-Silane-based compound. It is used to protect the painted surfaces of car bodies. It is less likely to stain. Unlike traditional wax, its luster and protection can be long-lasting once it is applied. This is because they do not contain materials that oxidize (bind with oxygen). Oxidation weakens the original protection and shine of many car products, thus rendering the car surface prone to damage. It is easy to maintain, provides clean, shiny surfaces and long-lasting protection.

What is the difference between coating and wax?

The main component of wax is carnauba wax oil, which is extracted from palm trees. In recent years, some waxes have added petroleum. Higher quality waxes contain more carnauba oil. Carnauba wax is oil based, so it has water-repellent characteristics and can obscure scratches. However, there are also disadvantages. Waxes can easily become dirty because oil has a high viscosity (thick and sticky). This means dirt can stick to it. Also, wax can easily melt and deteriorate because it is sensitive to heat. Sunshine or engine heat can promote deterioration and cause wax to melt off the car’s surface. Wax can also break down in the rain or when the car is washed.

On the other hand, coating has a chemical composition of silicon, silica, fluorine and titanium. These molecules form a film coating that penetrates between the molecules of the car’s painted surface, creating a very powerful protective layer. Resistant to dirt, heat and rain, coating’s protection and shine will last over a longer period than wax.

There are various kinds of coatings that range in application complexity from simple, which any consumer can apply, to products for professional use only.

During its application, if the car’s surface is dirty and rough, materials will not adhere to car body paint, so surface preparation before application is important.

Types of Glass Coatings

Glass-based coatings can be broadly divided into two categories: quartz-silane based coatings and silica-based coatings.

The quartz-silane-based glass coating, also known as “completely cured glass film type” achieves very high gloss and strong durability. It protects the car body by creating a cured coating of silica on the car’s surface. However, it takes about three weeks for the coating to be fully cured, which is a drawback. It is also expensive because it takes a long time for the product to be formulated.

The silica-based glass coating, also known as “glass fiber type “, also makes a film, coating the surface of the car body. It is fixed to a silicon polymer molecule. It is an easy formulation and, therefore, is costs less to produce. However, its durability and water repellency is inferior compared to the quartz-silane-based.

In addition, some of the fluorine-based coatings, such as Teflon, are used to coat car bodies. They are excellent in durability. However, they are inferior compared to glass coatings and more expensive to formulate. As a result, glass coatings are on the cutting edge of technology’s focus of exploration.

A Glass Coating Hybrid

Currently, there is debate about whether hydrophilic (attracts water) products are more effective than hydrophobic (repels water) products for car care. Glass is hydrophilic. The new types of glass coatings are hybrids, adding a silicone resin layer to the existing glass layer to change the hydrophilic trait of glass to hydrophobic, thus creating a strong water repellant product.