Professional Website Development Services Benefits

To err is human, but to err online can be catastrophic for your business. If you are a brick-and-mortar company, just about to venture into internet waters, you will find numerous website development companies offering a whole host of web development services. However, while approaching a professional website development services company you should be well informed about what exactly you want. As it is said, know thyself and half the battle is already won.

Professional Website development Services: Benefits

Certain factors exist that can greatly enhance your website development process. Working with a professional website development services offers you the following benefits:

Resources: A professionally managed company would have a pool of resources, in terms of finances, manpower, and technological assets that enable them to deliver things cheaper and quicker. Such a company would also have the ability to upgrade to the latest in technology faster than an amateur company.

Clear Communication: The company’s client communication is clear and is considered an area of focus on by a professional company. Initial contracts are properly worded and you can rest assured that there are no doubts on either side. A professional company provides their clients with a structured plan with phase deliverables clearly marked to the clients. On the other hand, amateurs may treat clients like God and accept everything their clients say blindly with no regard to the client’s business objectives or feasibility.

Experience: Having worked for a good number of influential clients, a professional company has a wealth of experience. It can caution you about possible pitfalls and keep your interest in mind at all times; which is not likely to be the case in case of an amateur company jasa pembuatan website.

Product Quality: An amateur company may provide a website with good look and feel. However, a professional website development services company will give you a ‘finished’ product and that is less likely to have any problems in the future. Functionality, content and design are equally considered from the very initial stages of development in order to deliver a high quality product and exceed the client’s expectations.

Relationship building: Professional companies focus on relationship building with their clients. Although the contract ends at the point of sale, additional services are offered to clients to keep them happy and maintain the company’s goodwill. These services may include maintenance and upgrading services. Professional companies are more likely to last longer than amateur companies and do not take a short-term perspective on things.

Leveraging their client base: Professional companies may suggest tie-ups between related companies. They might offer to put your site together with any online services provided by their other clients, thereby, providing you with numerous lucrative networking options and technological collaborations

Income Tax Refunds – The Basics!

An income tax refund is actually a kind of tax rebate. In simple words you can say that it is actually a return on taxes you receive when the amount of tax liability is lesser than the actual tax paid in a single financial year. In this case you can claim maximum refund because you did not declare your investments which could have some amount of tax payments.

Income tax refunds can be very important to the taxpayers and the private investors, provided that the value of the guaranteed refund will be disclosed to them. Mostly, the taxpayers are pushing for augmented disclosure of the income tax refund and the associated value they create in general.

Guaranteed refund can be helpful for a salaried individual as it is likely that his/her company may have deducted surplus tax because he/she have not declared any of the investment to the company. Now people are using their guaranteed refund as a “simple savings plan” and carry on getting money back each year.

How to analyze tax refund?

To analyze whether you are eligible for Income tax refunds or not, you need to file your guaranteed refund documentsSalaried individual can get a form called Form-16 and this document will help you to claim guaranteed refundTax maximum refund must be claimed with one year of the last day of assessment year as Income tax refunds are based on your last year earnings and Tax liability. If you still have to disclose some income, do so ASAP to avoid penalties of any kind from income tax department

How to claim the tax refund?

To claim for it you should be aware of specific types of information, such as frequency of maximum refund of income tax, so they will be able to monitor efficiently and frequently their tax refund issues. You should restrain yourself from buying unnecessary things so they may stir clear of the refund issues bj accountants.

The refund companies should educate their clients on the responsibilities associated with refund issues such as Revised return in the case of missed reporting any income or deductions, importance of date and acknowledgement number of original return filed, the impact of interest charges on partial refunds filing, and the positive and negative side of having large numbers of refunds.

  • To claim for it you must have your Social Security Number (or Individual Taxpayer Identification Number)
  • Your Filing Status
  • The exact whole amount of your tax refund
  • Tax refunds can also be received directly to your bank account upon request.

When to file a Revised Return of Income?

You have to file a revised return of income when you think that you forgot or did not file the correct documents about your investments. A Revised Return of Income request needs to be filed using Form-30. The Income tax department of India has recently taken an initiative where we can check our tax return status from the internet. We just need to browse governments website and view every thing related to our tax information. Using an online service, Income tax returns are filed easily and refunds can be processed swiftly.

Use Sleeping Pills Wisely

Lately, have you been tossing and turning in your bed trying to fall asleep, every night, without any luck?

If yes, you are more than likely suffering from insomnia (poor sleep). You are not alone; millions and millions of individuals around the globe are suffering from this frustrating matter on a daily basis, as well.

Insomnia can be caused by many different factors, such as depression, anxiety, chronic stress, pain, fatigue, tension, psychiatric issues, discomfort at night, or etc. Nobody is exempted from this issue, as it doesn’t discriminate against age or gender; anybody can become a victim of it at any time in life.

In order to have a healthy life, anybody who is dealing with poor sleep must do something about it before it gets out of hand. Thankfully, there are many solutions out-there in the market that can help alleviate this constant agony: Sleeping pills.

You have probably heard of this type of medication before, as it is often considered by countless of people to be the last resort to combat insomnia. This type of pills can be purchased over-the-counter or can also be prescribed by a doctor.

But, if you want to play it safe, it is best to take the physician route, as he/she will be able to find the cause of your insomnia and prescribe you the adequate sleeping pills. It is better to prevent than lament. Doctors usually prescribe sleeping pills for a short period of time, as long-term usage of it can cause serious issues down the road and put your life at risk.

Believe it or not, a great percentage of individuals suffering from insomnia don’t opt to visit a specialized doctor to help them solve this ongoing matter; numerous of insomnia victims prefer to either purchase medication at their nearest drugstore or deal with poor sleep, every day.

But, this is not the way to go if you are trying to save time and money and really help your body. Drugstores don’t carry a grand selection of sleeping pills; the ones that are available, will never be as effective as the ones prescribed by a doctor, as only a certified physician will be able to get to the root of the problem and relieve you from insomnia once in for all.

Between a third and half of the population in the United States complains of poor sleep; therefore, most Americans often opt to intake sleeping pills before going to bed, and a lot of them have had great results when they used it as directed.

So, just like Americans do it, if you are suffering from insomnia, you should consider giving sleeping pills a try, as this type of medication will be very effective at ending your insomnia in a short period of time Xanax next day.

But, just like with any other pill, there are side effects that can occur at any time in Your body from using it, so make sure that You fully understand everything You need to know about sleeping pills before You place one in Your mouth, as this type of medication can cause problems when it is taken by individuals who have serious health conditions.

Sleeping pills have the tendency of making you breathe less deeply and more slowly, which can be dangerous for people who have uncontrolled lung matters such as COPD or asthma.

The most common side effects of prescription sleeping pills are changes in appetite, diarrhea, burning or tingling in the hands, dizziness, difficulty keeping balance, drowsiness, headache, dry mouth of throat, heartburn, unusual dreams, stomach pain or tenderness, weakness, uncontrollable shaking of a part of the body, and etc.

So, if you experience any of these symptoms when taking a sleeping pill, you must immediately stop taking it and call your doctor.

There are new medications with innovative formulations that are coming out on the market, which can help reduce the time a person suffering from insomnia takes to fall asleep. These new drugs seem to work faster than other pills.

So far the sleeping pills in the market are sedative hypnotics: a specific type of drugs to maintain and induce sleep. Sedative hypnotics include barbiturates, benzodiazepines, and various hypnotics.

What Are No Credit Car Loans and How Do You Get Them?

With the handful of credit car loans that continuously grow in number these days, it is easier now to get a car loan that is applicable to your situation. Many of these car loan businesses have flexible terms, which comply according to your financial status, making vehicle financing easier for anyone than ever before.

What are the different types of vehicle loans? What are no credit car loans? What are zero credit auto loans? How are each different or similar to other types of financing?

There are many terms about car financing which you need to educate yourself with. In order to accomplish the first task, allow yourself to learn several definitions of terms that are generally related to car loans. You may find useful websites that provide such information to prospective car buyers and dealers.

One site claims that no credit automotive loan is the least risky and is actually the most reliable type of auto loan. The idea is basically making the car you are going to buy as the collateral itself. There is no other better option for you than this. As well, when you set off to buy a car with no credit at a buy here pay here car lot or even private party, it is yet your first step towards rebuilding your credit history.

As you may already be aware, getting a vehicle loan comes with so many requirements such as important documents that directly reflect your source of income. Of course, it is not that big of a deal if you have them ready on hand. How about if you do not possess any or one of the important documents, such as credit history? Would you still be able to purchase a car through loan? There are indeed more questions about the ubiquitous: what are no credit car loans?

Once no credit loan becomes your record for future financial transactions in car dealings and purchases, dealers and managers might even commend you for taking the level up. Sooner or later, you will eventually obtain some credit, therefore, this first step is quite vital Title loans.

Check on some websites that offer free assessment of your application for no credit automotive car loan. While you are at it, why not address them some questions on your mind even from as basic as ‘what are no credit car financing?’ to ‘how many loans could you make at the same time?’. Usually, these business firms would be willing to walk you through the whole thing, considering that you are trying to get a vehicle financed for the first time.

Seek counsel from your friends and family alike, as they may have a plethora of information and what not too, about the actions you are about to take.

Finally, take care of any outstanding balances on your credit report. This will show lenders that you’re serious about being responsible for your bills. One loan you never want to fall behind in is your student loan. Falling behind on it can lead to a lot of trouble on down the road. A student loan is the only type of loan that you can not go bankrupt on, so no matter what, Uncle Sam is going to get his money. If you are behind on your student loan, do everything possible to catch up. It’ll improve your chances for getting a loan.

Smart Bitcoin Strategies To Accumulate Gold Bullion

I have heard about bitcoin a couple of years back in 2013 and never expected it to grow into a strong cryptocurrency it is today. At the time of writing this article, it is trading on the market at a value higher than gold. This opened a window to many possibilities for me, as I’m already within the market to accumulate this digital currency and gold bullion on a daily basis.

With my experience, I gained knowledge and developed methods to use this cryptocurrency and build a wealth wheel of acquiring gold on a continuous basis using its power.

The following points are methods I use to accumulate bitcoin and gold bullion.

  • Bitcoin news today
  • Find a company that sells gold bullion
  • Open an online bitcoin wallet
  • Start mining bitcoin online or offline
  • Purchase gold bullion with bitcoin

The above are the basic steps to accomplish the process and it requires specific methods to make it successful. In my opinion this is the best bitcoin strategy to accumulate gold and get it delivered to your doorstep every single month.

Find a company that sells gold bullion

There are many online companies on the internet that sells gold bullion, but there are very few that offers incentive programs once you become their client. You need to look for a company that offers much more than only selling gold bullion. This company needs to offer quality products, such as selling gold bullion in small sizes of 1 gram, 2.5 gram and 5 gram. The gold itself must be 24 karat gold, which is the highest quality you get. The incentive programs needs to allow you to earn commissions once you refer people to the company.

Open an online bitcoin wallet

You will need a place to store your bitcoin once you are ready to get started within the cryptocurrency market. There are many online bitcoin wallets available to the public free of charge. Look for a company that offers a wallet to store bitcoin and an offline vault to protect it. There are many hackers trying to break into the wallets of online users and steal all their bitcoin. If you store your bitcoin offline, you will never be a victim of online hackers.

Start mining bitcoin online or offline

There are two main ways to get bitcoin. Mine bitcoin online or offline. To mine bitcoin online is very easy and much simpler than offline methods. I personally use both methods to test the profitability for each. By joining an online bitcoin mining farm would be a great way to get started.

You need to be very cautious on this option as well, because there are thousands of scammers claiming to have bitcoin farm, but in fact does not. These guys create Ponzi schemes and will only steal from you as much as they possibly can. There are also trusted and real companies that has bitcoin farms operating every single day that I personally use.

You can also mine bitcoin offline by purchasing a bitcoin miner, which is computer hardware that you set up at your home. This hardware then gets connected to the Internet and will start mining bitcoin. This bitcoin will then automatically be sent to your online bitcoin wallet.

Purchase gold bullion with bitcoin

Now that you have bitcoin coming in on a daily basis there are very specific ways that needs to be followed to purchase gold bullion from the company you chose. You need to link your bitcoin wallet to a visa card. This card must also be offered to you from your bitcoin wallet company that you chose. Use this card to purchase gold bullion at any time you have enough bitcoin in your online wallet.

The above are very basic steps that I use to make this process a success, and I have never looked back since I started doing it.

What’s Brewing? A Guide to Coffee Capsules

When it comes to coffee perhaps you enjoy convenience but you hate the taste of instant. If that’s the case, then coffee capsules could be the ideal alternative for you. Capsules are one-use pods that contain ground coffee and filters within one small pod that are inserted directly into special coffee capsule machines. Using water, the machine brews the coffee directly into your cup in a matter of seconds. There we have it; the convenience of instant but with the great taste of freshly brewed espresso.

A Growing Coffee Culture

Café culture is booming in Australia and many other countries and cities the world over. Customers today tend to value quality and taste over speed. Many coffee lovers are also very interested in the origin of their coffee and are concerned with particular issues like whether the beans are organic or grown in a fair trade environment. This has influenced how consumers view coffee drinking and the types of coffee they buy to use at home too. Coffee has become a weekend luxury, a social experience – almost like an art-form. Now people can experience all that in the comfort of their own homes.

Why Are Capsules so Good?

Capsules are considered better than ground coffee and instant coffee for convenience, freshness, and ease of use – not to mention the lack of waste. They come in small packages that can be easily popped into the machine. Add water, press a button, and the coffee is ready. There’s no measuring out spoons of coffee, no brewing time, and no storing loose coffee granules in jars. Not only that, but the coffee capsule format keeps the coffee inside fresh, as it isn’t being exposed to air or light. Perfect.

How to Choose the Right Capsules for You

If you choose a specific brand name that only allows its brand name capsules to be used in it, this can greatly limit the flavours and types of coffee you can drink. However, there are some machines that allow different types and brands of pods to be used in the machine, giving you Wholesale CBD Capsules much more variety when buying coffee pods. Take a look at the flavours, intensities, and geographical regions of the coffee available for the machine you’re thinking of buying first to ensure that brand has the kind of coffee you enjoying drinking on offer. Or, pick a machine that can be used with a selection of coffee pod brands to give yourself as much choice as possible.

Where Can I Buy Capsules?

Capsules really are everywhere these days. You can buy them in budget stores like Aldi and Woolworths, as well as cafe boutiques that sell specific high-end coffee brands. You can also purchase coffee pods from online manufacturers like Illy or Nespresso. You can even buy them from websites like eBay or Amazon where they will be a lot cheaper to buy and will be delivered straight to your door.

 

Multiplayer Poker Online

Online poker has seen a rapid growth in the last few years. The game appeals to all. This has lead to a comparative increase in the number of poker players worldwide. Poker is considered a popular card game; people who play this game find it very entertaining. poker is a game of luck, chance, and skill. Depending on a player’s fortune, it can be a financially rewarding activity.

This game is popular amongst professional poker players, amateur and players who have a casual interest in card games. There are different variations in the game of poker, such as Stud, Draw, and Hold’ em, and there is a sizeable following for each of these versions.

Online poker also provides games such as Texas Holdem Poker, Seven Card Stud Poker, Omaha Poker with the Hi/Lo version, Five Card Stud, and Five Card Draw. Online players also have the facility of playing with multiple opponents. It means playing the game with other players. Multi player poker online refers to group of players playing online poker against each other or in teams.
Many websites also offer multiple online poker tournaments. There are separate poker rooms for each game where players can log in, make teams, and compete. Bets can also be placed and there is no limit for betting. Whichever team wins, distributes the money in equal proportions.

All players playing multiplayer poker online can sign up for poker room forums. Even beginners looking to research the basics of the game or a seasoned player looking for more advanced strategies can discuss issues with other poker players. Multiplayer forums cover a diverse range of topics and poker related issues, including advice for new players, tips for multiplayer tournaments, introductions to online gambling wallets like Neteller, as well as reference guides on how to play multiplayer Texas Hold ‘Em and Omaha online.

Gambling Online is Exhilarating and Gamblers Are Having Lots of Fun

It seems that the most widely recognized among online casino games is poker which happens to have a huge number of followers around the globe. With nearly 730 players in the European Poker Tour participating in the London meet, all previous charts and records got busted. What is surprising is that despite the lingering recession the gaming community is seeing a boon in the number of participants from just about one hundred people last year.

In this year’s meet, a few of the popular names in the world of poker have come over.

With the meet being held at the Hilton Metropole this year, attendance ranged from champions Joe Hachem, Chris Moneymaker to celebrities Teddy Sheringham and Boris Becker. The present world champion Chris Eastgate also graced the venue. The most thrilling part was when Chris was downright defeated by Aaron Gustavson and this event triggered passion of poker fans for casino game judi togel online.

It is poker once again

This player from the US won the championship and picked up the mind boggling GBP850, 000 grand prize. It is meets like these that ratchet up the popularity of poker once again and get many average gaming enthusiasts attracted.

These days you can stay home and still be able to play your casino games through your fingertips. And it is not only the pros that are making money playing casino games online, but simple people without any past records of wins that are picking up whopping jackpots regularly.

One of the biggest online slots bonus winner was a retired woman that won a prize of $175,812 in Jacks and Better, a video poker game. She has been quite preoccupied in honing her skills through frequent online playing and fortune seemed to have favored her this time. She started off with a bet of $10 and then moved up to a few hundred dollars until a spade royal flash gave her the jackpot of a lifetime.

How To Identify Severe Dissociative Disorders After Trauma

Tom was stunned. The last he remembered he was at home enjoying a cold Sunday winter morning with his family. And now… well, he found himself at a biker’s bar. Instead of his fashionable trousers and shirt, he was wearing leather chaps and jacket. To his shock, he was holding a cigarette in one hand and a beer in the other. He hated both.

A woman, whom he didn’t recognize, called to him, addressing him as John. She wanted to know if he wanted to join everyone for a ride on the bikes to the mountains. Tom did not know how to answer. John, whoever he was, certainly was not him! Tom had no interests in bikes nor had he ever rode one; he liked driving his BMW if he wanted to go into the mountains with wine, not beer, in the trunk. Something was terribly wrong and he was terrified.

Tom’s experience is not uncommon for those who experience severe dissociative disorders- those experiences, which are not induced by use of drugs, that severely disrupt our memory, identity, perceptions and our ability to function in our daily lives.

DISSOCIATION: FROM MILD TO SEVERE

Dissociation- the experience of feeling spacey, having time go in slow motion, or a sense of floating outside of your body- is a very natural process can happen after trauma; it’s one way that our bodies help us to cope with overwhelming threats. In mild cases, the symptoms are transient; after the threat passes, we return to feeling and acting like ourselves. Some people, however, live their lives in a dissociated state long after the threatening events, which are usually related to prolonged and severe childhood abuse, have passed. By knowing what to look for to help identify severe dissociation, you can better choose the care you need to recover from severe trauma.

5 QUESTIONS TO ASK TO HELP YOU IDENTIFY SEVERE DISSOCIATION

1. Do you experience severe memory loss?

As in the example above, you cannot remember significant things about yourself. These can include: how you arrived at a strange place, your address or other important identifying information, skills you learned as a child or what season it is.

2. Does your physical body or emotions seem unfamiliar?

When this happens, you may feel invisible to others or as though you are viewing yourself as someone in a strange movie. Your mind can become cloudy so that you lose the ability to respond to danger appropriately.

3. Does your environment and all that is happening around you become unreal?
What should be familiar appears very foreign. Even people who are close to you appear as strangers. Objects appear distorted and may change shape or color.

4. Do you feel as though you are split into several different people?

Rather than having beliefs, goals and ideals that are fairly consistent throughout your adult life, you have ongoing intense daily struggles as to who you are and what you think. At times, you may even wonder if you are male or female dissociation Huntington, NY.

5. Have others commented about how your personality changes significantly?

Those close to you notice how you will act, think and feel a certain way then shift to another and very different way of looking and acting. You may use different names, change your penmanship dramatically, speak other languages or perform certain tasks even though you don’t remember learning how to do them. John, in the story above, had very different tastes in dress and habits than the family man named Tom.

HOW ARE DISSOCIATIVE DISORDERS DIAGNOSED?

There are several forms of dissociative disorders with the most serious being Dissociative Identity Disorder, formerly known as Multiple Personality Disorder. Completing a special psychological test that is administered by a person trained in psychological testing usually provides a formal diagnosis. One such test is called the “Steinberg Clinical Interview for DSM-IV Dissociative Disorders” or SCID-D. A sample of this test is in an easy-to-read book entitled The Stranger in the Mirror: Dissociation: The Hidden Epidemic by Marlene Steinberg, MD and Maxine Schnall, © 2001 by Harper Collins Publishers. By completing this sample test, you will know if you should pursue formal testing and work with a therapist trained specifically in dissociative disorders.

Surplus Solar Panels – Some Pros and Cons

There are surplus solar panels that are for sale and there are also companies who give broken or used solar panels. Used solar panel doesn’t mean that it’s no good. There are used solar panels that still work well but due to some small damage on it such as broken or chip in the edge of the solar panel doesn’t work at full capacity. Yet, it may still be able to generate some power.

There are also companies gives free used or surplus panels and some want to dispose by selling their used panels instead of giving it for free and since everyone wants to have them for their home to save from high electric bills and to have a green and friendly environment. Some prefer to buy surplus solar power panels instead of buying a new one which are more expensive.

Especially when a commercial buildings, homeowners and companies are upgrading their units, they are willing to sell used solar panels for cheaper price or some give it for free to people who want it. For them, when the solar energy panels are chipped or scratched, the performance is lessened but there is not truth in it. You can make things work as before if you know how to fix it.

Sometimes, used solar cells can be a wise choice but some comes with many disadvantages which is mainly the uncertainty of how long the solar cells will last that is why it is so important to know the age of the solar cell or solar energy panel.

Usually older cells take up more space per wattage compare to the modern technology solar cells. Surplus or used solar power panels mostly don’t have a great deal because of scratch, cracked, brittle or loss connection and sometimes appear to have condensation under the surface. Although it’s fixable but a good quality surplus panels can give you a less of headache 100 watt flexible solar panel.

Crack, scratch or minor pitting of surplus solar power panels can still generate and deliver their original output but it is better when you buy; bring your friend that has a huge knowledge regarding solar energy panels to be safe. The reason why some people like to have solar panels in their home it’s because of black out and water heater. Surplus or used panels can be an absolute bargain and there are some factors to consider avoiding disappointment either it’s free.

Steps to consider before buying surplus solar power panels:

  1. Since solar energy panels are hard wearing and long lasting in use, it’s important to now the age of usage and make sure that the panel is not damaged and always ask if there is warranty on it and see if it still work good.
  2. Check it and see to it that the technology is not obsolete since solar technology is moving forward so fast. Usually old panels use up more space compare to new solar panels.
  3. Always see to it that the surplus solar power does not have a higher price because they tend to add on cost such as installation or other expenses they had before.

Surplus solar panels can sometimes be found online through the internet and sometimes you can find it in the newspaper in ads page.

Auto Insurance Principles Should Apply to Health Insurance

Many Americans rely on their automobiles to get to work. No automobile means no job, no rent or mortgage money, no food. A single parent, struggling to make ends meet in the suburbs with 100,000 miles on the odometer, would presumably welcome the guaranteed opportunity for low-priced insurance that would take care of every possible repair on her auto until the day that it reaches 200,000 miles or falls apart, whichever comes first. Especially if the insurance is valid regardless of whether she even changes the oil in the interim.

So why aren’t the auto insurance companies writing such coverage, either directly or through used auto dealers? And given the importance of reliable transportation, why isn’t the public demanding such coverage? The answer is that both auto insurers and the public know that such insurance can’t be written for a premium the insured can afford, while still allowing the insurers to stay solvent and make a profit. As a society, we intuitively understand that the costs associated with taking care of every mechanical need of an old automobile, particularly in the absence of regular maintenance, aren’t insurable. Yet we don’t seem to have these same intuitions with respect to health insurance.

If we pull the emotions out of health insurance, which is admittedly hard to do even for this author, and look at health insurance from the economic perspective, there are several insights from auto insurance that can illuminate the design, risk selection, and rating of health insurance.

Auto insurance comes in two forms: the traditional insurance you buy from your agent or direct from an insurance company, and warranties that are purchased from auto manufacturers and dealers. Both are risk transfer and sharing devices and I’ll generically refer to both as insurance. Because auto third-party liability insurance has no equivalent in health insurance, for traditional auto insurance, I’ll examine only collision and comprehensive insurance — insurance covering the vehicle — and not third-party liability insurance.

Bumper to Bumper

The following are some commonly accepted principles from auto bupa medical insurance:

* Bad maintenance voids certain insurance. If an automobile owner never changes the oil, the auto’s power train warranty is void. In fact, not only does the oil need to be changed, the change needs to be performed by a certified mechanic and documented. Collision insurance doesn’t cover cars purposefully driven over a cliff.

* The best insurance is offered for new models. Bumper-to-bumper warranties are offered only on new cars. As they roll off the assembly line, automobiles have a low and relatively consistent risk profile, satisfying the actuarial test for insurance pricing. Furthermore, auto manufacturers usually wrap at least some coverage into the price of the new auto in order to encourage an ongoing relationship with the owner.

* Limited insurance is offered for old model autos. Increasingly limited insurance is offered for old model autos. The bumper-to-bumper warranty expires, the power train warranty eventually expires, and the amount of collision and comprehensive insurance steadily decreases based on the market value of the auto.

* Certain older autos qualify for additional insurance. Certain older autos can qualify for additional coverage, either in terms of warranties for used autos or increased collision and comprehensive insurance for vintage autos. But such insurance is offered only after a careful inspection of the automobile itself.

* No insurance is offered for normal wear and tear. Wiper blades need replacement, brake pads wear out, and bumpers get dings. These aren’t insurable events. To the extent that a new car dealer will sometimes cover some of these costs, we intuitively understand that we’re “paying for it” in the cost of the automobile and that it’s “not really” insurance.

* Accidents are the only insurable event for the oldest automobiles. Accidents are generally insurable events even for the oldest autos; with few exceptions service work isn’t.

* Insurance doesn’t restore all vehicles to pre-accident condition. Auto insurance is limited. If the damage to the auto at any age exceeds the value of the auto, the insurer then pays only the value of the auto. With the exception of vintage autos, the value assigned to the auto goes down over time. So whereas accidents are insurable at any vehicle age, the amount of the accident insurance is increasingly limited.

* Insurance is priced to the risk. Insurance is priced based on the risk profile of both the automobile and the driver. The auto insurer carefully examines both when setting rates.