For some, Christmas is more than a tree, gifts: Seasonal fanatics have a holiday obsession

By MAGGIE GALEHOUSE HOUSTON CHRONICLE

A hurricane and a recession could easily spread a serious case of the bah, humbugs this season.

But not for the Christmas fanatics. For these self-taught decorators who transform their homes into holiday havens thick with Santas, ornaments and things that go blink in the night, Christmas always arrives early and stays late.
A tale of two Michaels

For every Christmas addict there is an enabler. And between the months of October and December, this pretty much describes Michael Briden and Mike Lowery.

“I have the inspiration, and he has the installation,” Briden deadpans.

Briden is the collector, favoring glass ornaments by Christopher Radko and Santa figurines by Brian Kidwell and Jim Shore. He decorates each of the holiday trees in the Heights bungalow he and Lowery share — no small job, since there’s at least one tree in every downstairs room.

Lowery does the traditional “dad” jobs: hangs garland around the window frames, puts the toppers on each tree before Briden starts to decorate, picks up ornaments on his way home from hunting and fishing trips.

Every year, the two transform their handsome bungalow with sage green walls into a holiday wonderland where first-time guests are hard-pressed to focus on anything but the dé cor. As Lowery says, “Christmas has definitely exploded in this house.”

It helps that the pair co-own Another Place in Time, a garden center in the Heights that sells some of the decorative items and ornaments Briden collects.

Briden, who is also a loan operations manager at Integrity Bank, admits that he is particular about the quality and presentation of his collections.

He likes his Santas to look friendly, not scary. He enjoys creating new vignettes with his Christmas ornaments; this year, Santa’s Sweet Shop appears in his kitchen window, with a jar of gingerbread men and cookies and glass candies. And each of his Christmas trees has a theme, from the hunting and fishing tree in Lowery’s room, to the Grinch tree in the bathroom, to the slim and showy “Feathered Friends” tree in the family room.

The show-stopper is “The Night Before Christmas” tree, which gathers Santas, reindeers, gifts and all the usual Christmas Eve suspects.

When one goes to so much trouble to create a Christmas atmosphere, it’s a shame not to share it. Briden estimates that he and Lowery host half a dozen social gatherings every December so that friends can see the house.

As thrilled as Briden is with this year’s décor, he is always in the market for something new. Gazing at his animal tree, he ticks off the rarer ornaments that adorn it. A buffalo. A rhinoceros. A skunk. A giraffe. But he can’t help but notice what he’s missing.

“I don’t have a platypus,” Briden says, “and I don’t have any dinosaurs.”

The holiday decorating gene is strong with Jennifer Emshoff. Growing up in Klein with a mother who’s a part-time interior designer, she learned early that every holiday deserves festive dé cor and special dishes.

So when Emshoff, a senior contract analyst with El Paso Exploration & Production, moved into her Eastwood bungalow in 2001, it was a fait accompli that the holidays would be well-represented.

Her Christmas decorating schedule begins the day after Thanksgiving at her childhood home, when her mom starts pulling out her own Christmas finery. Emshoff is always on hand to assist.

“I give her all day Friday,” she says, “then I come back and start working on my own house. It takes two full days for the inside and then a night to put up the lights on the outside.”

This year presented a new challenge for Emshoff, who recently transformed her bright blue and yellow living space into a richer, ranchy style, with dark leather and rustic touches. This meant a new backdrop for Christmas.

Dominating the living room is a full-size white tree with shiny, multicolored ornaments, many with a Texas theme. On the floor of the dining room, ranch meets Christmas in a pair of ceramic cowboy boots stuffed with holly and red berries. The formal dining table is set for Christmas dinner and a long kitchen counter that usually serves as the bar has become a winter village.

Read full article: For some, Christmas is more than a tree, gifts

7 Facts on Mortgage Refinancing

By Chris Edison

Getting a refinance on your mortgage is common practice nowadays due to the drop in interest rates and the receptiveness of borrowers toward the idea of refinancing. Although many have vouched for its benefits, house owners should evaluate their personal preferences, financial standing, and current mortgage status and compare these with the various options available before planning their next move.

There are many facts surrounding the concept of refinancing and this article will provide you with an insight of important aspects which you need to know in order to make an informed decision. Refinancing your mortgage is for the long-term and thus needs to be a choice that is thoroughly considered.

1. Penalty Costs
The process of refinancing basically means paying off your current mortgage and obtaining another mortgage at a different interest rate (usually at an adjustable rate) and loan term. This causes penalty costs to be imposed on your current mortgage by your current lender, as you have opted to pay off your loan earlier than agreed upon. Occasionally, depending on the status of your current loan, penalties incurred may be higher than the cost savings obtained from refinancing your mortgage, therefore making the idea of refinancing no longer attractive.

2. Savings on monthly repayments
When you refinance your mortgage, you may most likely switch to a new mortgage structure that will benefit you in the long run, especially with lower monthly repayments. With the availability of Adjustable Rate Mortgages, interests incurred are relatively lower than the traditional Fixed Rate Mortgages, which has been incentive enough for home owners to switch their mortgage loan plans. However, although interest rates may seem to be lower at first glance, home buyers should practice due diligence in tabulating the actual amounts paid over the long term in comparison with their current mortgage repayments.

3. Transactions costs
As with any mortgage transactions, a refinancing exercise will involve transaction costs such as attorney fees, points, appraisal fees, inspection fees and prepayment penalties. All these hike up the cost of refinancing, which need to be balanced out with the cost savings obtained from switching loans in the first place. As a rule of thumb, if you plan to stay in your current property for the long-term, transaction costs will be offset with savings in repayment amounts over the long-run. Therefore, refinancing will then be a good option for you.

4. Tax deduction possible
Refinancing may help you regain tax deductions on interest if you have already used up your allocated amount for tax deductions. Therefore, with a new mortgage, you will be able to deduct interests paid from your taxable income, thus helping to reduce your taxes payable.

5. Get cash out of your equity
Read this full story: 7 Facts on Mortgage Refinancing

Samsung Behold (for T-Mobile) Cell Phone

The head-turning Samsung Behold is a responsive touch-screen cell phone with a few advanced features and a great camera.

Ginny Mies, PC World
PC World
Saturday, December 13, 2008; 12:19 AM

The 3G Samsung Behold ($150 from T-Mobile), the younger sibling of the Samsung Omnia on the Verizon network, is a slick cell phone with a bevy of advanced multimedia features and a responsive touch screen. However, the Behold lacks Wi-Fi and a standard headphone jack, and its Web browser is a bit counterintuitive.

Slightly smaller than the Omnia, the Behold measures 2.1 by 4.1 by 0.5 inches. Weighing 3.9 ounces, it’s light but feels solid in the hand.

The Behold’s 3-inch touch screen takes up the majority of the phone, and three physical keys–end, send, and back–reside underneath. The landscape touch-screen QWERTY keyboard, with generously spaced keys and vibrating feedback, is comfortable to use. I didn’t notice any lag between when I typed and when the results appeared on the screen, a problem I’ve experienced with some other touch-screen keyboards. The Behold’s predictive text feature gives two word choices, but you can also turn predictive text off with a dedicated key on the keyboard. The arrangement includes a few dedicated punctuation keys, as well.

The Behold uses Samsung’s TouchWiz interface, also seen on the Omnia. But unlike the Omnia, which seemed sluggish running Windows Mobile, the Behold is very responsive. The accelerometer, which reacted slowly on the Omnia, flipped from portrait to landscape quickly and smoothly on this handset. I encountered some lag only when I scrolled through lists of contacts or my media library. And otherwise, I found TouchWiz very user-friendly.

The lens for the Behold’s 5-megapixel camera, along with a flash, is located on the phone’s metallic back (which is available in a brushed espresso or light-rose finish). A volume rocker and a headphone/USB jack lie on the left spine of the device, while a dedicated camera key and a phone-lock key sit on the right.

Call quality was very good overall. My contacts sounded loud and clear, and I heard no static or interference. Parties on the other end heard some background noise, but otherwise the sound quality was clean. I experienced no dropped calls.

The Today screen–the Behold’s home screen–has a widget bar running along its left side. You can arrange the widgets in any order, as well as drag one into the main part of the screen to launch its respective app. To end the application, you slide the widget back onto the bar. Available widgets include a calendar, a phone book, a music player, and a clock. But other than rearranging widgets and removing them, you don’t have a lot of room for customization; you can’t add new widgets to the bar or buy new programs (there is no app store), which was disappointing.

The Behold offers a full HTML browser, which is a nice addition for a non-smart-phone handset. The browser is difficult to use on occasion: Scrolling through pages wasn’t as smooth a process as on other touch-screen browsers, and getting the hang of navigating took time. For example, to zoom in on a page, you must touch the magnifying-glass icon at the top of the browser and then select the page size to view. The phone doesn’t do Wi-Fi, either, but that didn’t seem like too big of a loss; Web pages loaded very quickly over T-Mobile’s 3G network.

The Behold’s standout feature is its 5-megapixel camera, with 4X digital zoom and a power LED flash. The camera has four resolution settings, light metering, adjustable ISO, a self-timer, a self-portrait mirror on the back cover, an antishake feature, and a setting for shooting backlit subjects. It also has three fun shooting modes (continuous, panorama, and mosaic), as well as a smile-shot mode that will take another shot if the subject is frowning.

Read the rest of this article - Samsung Behold (for T-Mobile) Cell Phone

Mazda6 is all-new for 2009 and on target for “Car of the Year”

Midsize sedans are no longer blandly styled, boring boxes for driving to work. Today we are seeing emotionally provocative and exciting designs on the common, everyday four-door sedan.

The Chevy Malibu didn’t become the 2008 North American Car of the Year by accident. Interior comfort and fine handling led by a compelling exterior design caught the attention of critics. So who should lead the pack of contenders for the title 2009 Car of the Year? I’d be willing to put money on the 2009 Mazda6.

The emotional design cues that are so essential to attracting buyers to toy cars, such as roadsters and convertibles, are finding their way to the meat-and-potatoes of the car market, the conservative five-passenger everyday driver - the midsize sedan.

With a starting price of $18,550, the glamorous Mazda6 looks like it’s worth twice that amount. There’s a silky sheen that floats over the velvet sheet metal. The Mazda team says the all-new Mazda6 is infused with Japanese values. The exterior glow, as on my dark blue tester, does reflect a harmony with nature, which is so intrinsic to the Japanese culture. The instrumentation gauges were brilliant in reds, purples, blues, whites and blacks without being blinding.

The Mazda6 has a low, flat, planted stance. And if you can imagine delicate ivory inlays in wood and furniture then you will understand the attention to craftsmanship designers say they applied to the details of the new Mazda6.

If you were going to consider the Mazda6, then you would want to test-drive both engine options offered on the 2009 sedan. Available in four trims (SV, Sport, Touring and Grand Touring), the base model is standard with the 2.5-liter, 170-horsepower four-cylinder engine coupled to a six-speed manual transmission.

The top-of-the-line model I drove was equipped with the 3.7-liter V6 mated to a six-speed automatic transmission. This powerful engine developed 272 horsepower at 6250 rpm and 269 pound-feet of torque at 4250 rpm. The EPA figures are estimated at 17 miles per gallon city, 25 mpg highway. The vehicle’s as-tested price was more consistent with its pricey looks at $32,790.

All 2009 Mazda6 sedans come standard with dynamic stability control, side curtain air bags, front seat-mounted side-impact air bags, antilock brakes, air conditioning, plus power windows, mirrors and door locks.

Full story:Mazda6 is all-new for 2009 and on target for “Car of the Year”

Music review: Elliott Carter celebration

If you can judge a prophet by his followers, maybe you can judge a composer by the quality of musicians who are inspired to champion his music. And if that’s so, then Elliott Carter - the subject of a weekendlong celebration at the Yerba Buena Center for the Arts in advance of his 100th birthday Thursday - is doing something right.

The two-day bash, sponsored by San Francisco Performances, included a showing of Frank Scheffer’s documentary film “Elliott Carter: A Labyrinth of Time” and lectures by musicologist Robert Greenberg. But the chief focus, naturally, was the music, which got bold, impassioned and strikingly eloquent performances from artists devoted to Carter’s work.

Saturday’s concert by the Pacifica Quartet - violinists Simin Ganatra and Sibbi Bernhardsson, violist Masumi Per Rostad and cellist Brandon Vamos - was a complete tour through Carter’s string quartets, from the expansive breakthrough of the String Quartet No. 1, written in 1951, to the Fifth Quartet, which joined the catalog in 1995.

And on Sunday afternoon, pianist Ursula Oppens gave a similarly comprehensive overview of the composer’s keyboard works. The recital was anchored by his two major piano compositions - the Piano Sonata (1945-46) and “Night Fantasies” (1980) - and bedecked by a handful of shorter pieces dating from the past 15 years.

What came through most stirringly in both events was the devoted sense of advocacy that Carter seems to engender in performing musicians. As difficult as much of his music is for the listener, the difficulties it entails for instrumentalists - from both a technical and interpretive standpoint - can only be more profound.

Yet here were artists clearly delighted and eager to dedicate themselves to making the best possible case for this music - and succeeding in doing so.

Here is full article: Music review: Elliott Carter celebration

Acacia

ACACIA (a-ka’sha). About 1200 species of acacia are scattered through the warm regions of the world. Most of them are shrubs or small trees. Some are matted plants a few inches high. All are thorny and pod-bearing. The tiny sweet-smelling blossoms cluster together in fluffy balls or cylinder shapes. They range in color from deep yellow to almost white. The leaves are usually grayish and fernlike. The acacia is quick-growing and short-lived.
Australia has about 300 species of acacia. The early settlers called them wattles because they used the pliant branches to make wattle-and-daub huts. The golden wattle is Australia’s national Bower.
In the southwestern United States acacias are grown in many parks and gardens. The ornamental species were imported from Australia. The native catclaw (Texas mimosa) grows wild and (Types Of Flowers )is heartily disliked because of its strong hooked spines. The Arizona Indians, however, made meal of the pods. Smaller acacias are eaten by cattle and horses.
Gum arabic is obtained from an African species (see Gums and Resins). The Australians get tannin, used for tanning leather, from the bark of some species and make furniture of the hard, dark “black-wood” acacia. The wood of an Indian species is the chief source of catechu, a dye for true khaki. France grows several kinds for perfume.
The genus acacia belongs to the mimosa tribe of the pea family . The black locust is sometimes called “false acacia” . The plant that florists call mimosa is actually an acacia.
Read this article: Acacia plant

Unique new product gives peaceful nights for thousands of snorers - stop snoring now, try for free!

Immediate release 14TH November 08

NEW PRODUCT PROMISES RESTFUL NIGHTS FOR THOUSANDS OF SNORERS

A UK company has launched a unique new product designed to offer relief to thousands of people who suffer from a particular type of snoring

The Adkins snoring aid is targeted at “nose snorers” and uses a totally new method which restricts the air flow through the nose.

The product is made of a medical grade soft plastic, consists of a pair of conjoined non latex balls which the user inserts into the nostrils before going to sleep.

Before this discovery, the main school of thought in snoring treatments has been to open up the airway through the nostrils.

Sleep deprivation expert Chris Grant is the man behind the new product. He explained how it works: “The restricted airflow through the nose encourages mouth breathing which reduces the incidence of snoring in those whose snorring is caused by excess airflow across the soft tissues at the back of the nose.”

Designed and produced in the UK, the new product has been successfully tested by many snorers to date and has been endorsed by many users
including a medical doctor.

Dr David Collinge of Oxford confirms that the Adkins snboring aid worked for his wife. He said, “She calls the Adkins snoring aid the “miracle balls” and I must agree. This new product has stopped her snoring, when everything else had failed.”

Former Royal Protection Officer Les Blyth, says, “I had nothing to lose and everything to gain. This new product stopped my snoring and I now sleep soundly with my wife in the same bedroom. It is a brilliant idea, being both comfortable and simple to use.”

Amy Harrington from Essex says, “We never imagined that this new innovation would alleviate snoring to such an extent. Now that we sleep
well, we even feel and look better too.”

Read this: Unique new product gives peaceful nights for thousands of snorers - stop snoring now, try for free!

Homeowners refinance, put savings in piggy banks

When mortgage rates dropped to the lowest levels in almost a year, Warren Zeger seized the opportunity to slash $720 off his monthly mortgage payment by refinancing his home in Potomac, Md.

Just don’t expect him to spend the savings.

“I’d love to tell you I’m going to spend it to help prop up the economy, but we’ve tightened our belts,” said Zeger, 61, a retired attorney. “I plan on holding on to it.”

Zeger echoed homeowners The Associated Press interviewed nationwide who have taken advantage of lower rates since Nov. 25th. They planned to stuff the money they saved under the mattress or pay off bills. Refiinance activity has surged as interest rates tumbled about 1 percentage point to around 5.5 percent in response to the Federal Reserve’s plan to scoop up $600 billion of mortgage-related securities.

“We’ve had a lot homeowners waiting for some time” for this drop in rates, said Ritch Workman, co-owner of Workman Mortgage in Melbourne, Fla.

The Fed’s move was the latest in an unprecedented series of actions to help stabilize the housing and credit markets as well as the broader economy. However, pushing down mortgage rates may only have a muted effect on the economy. That’s because more than a quarter of homeowners with a mortgage can’t qualify for a new loan, and many who can are so financially stretched that little of the money they save will end up in store cash registers.

“If you’re worried about making it month to month and your mortgage is your biggest payment you’re not going out to buy a car and a lot of Christmas gifts,” said Guy Cecala, publisher of Inside Mortgage Finance, a trade publication in Bethesda, Md.

Stuart Cassell in Sarasota, Fla., is putting his $80 monthly refinanse savings into his nest egg, while product development manager Subash Ramnani in Chicago is using the extra $300 a month from his refinancing to pay for graduate school. Jennifer Burke and her husband in Bel Air, Md., are saving the additional $240 a month as they wait out the recession and raise a one-year-old daughter.

Marcus Leef’s $150 monthly savings is going to daycare costs and personal savings. Leef, a consultant in Hartford County, Conn., has seen his stock portfolio plummet 40 percent, his retirement savings plunge by half and his corporate stock tumble by 60 percent this year. He’s not optimistic.

“My view is the economy is in the toilet. It’s going to get worse before it gets better,” he said. “If rates drop another point tomorrow, I’ll (refinance) again the day after.”

Those are the luckiest homeowners. Les Berman, a mortgage broker in Encino, Calif., said most borrowers contacting him have interest-only mortgages and they want to lock into a fixed-rate loan. They’re not saving any money each month if they do that; instead, they’re taking higher payments to get out of riskier loans.

“They want that security. They want to protect themselves against the future,” he said, even if it means shelling out more each month.

Other borrowers, like Eric Dudek in Grand Rapids, Mich., are waiting to see if rates drop further after hearing reports that the government is considering a proposal to lower the rate on 30-year home loans to 4.5 percent by buying more mortgage-backed securities.

“I’m thinking maybe I should hold off, you know?” said Dudek, who would use the savings from a refinancing to pay off student loans.

Read this full story: Homeowners refinance, put savings in piggy banks

Hormone changes can generate migraines

By Paul G. Donohue M.D.
To Your Good Health
December 09, 2008 6:00 AM

DEAR DR. DONOHUE: My daughter, who is 41, has been getting really bad migraine headaches just before her periods. Is it due to menopause?

— V.M.

Her headaches are not due to menopause. They come from her menstrual cycle, and they’re called menstrual migraines. A migraine sufferer often can identify things that give rise to a headache — foods, alcohol, physical exertion, too little sleep, too much sleep, hunger, bright lights and loud noise. For quite a few women, menstrual periods trigger the headache. The sudden drop in the female hormone estrogen that takes place at the time of a menstrual period precipitates headaches in these women.

Your daughter can take medicine prior to her anticipated menstrual period to prevent the headache. Naprosyn or one of the many other nonsteroidal anti-inflammatory drugs, taken two days before the period begins, often can avert menstrual migraines. They should be taken for as long as the headache has lasted in the past.

Another approach is birth-control pills. The ones that stop periods for six months to a year are particularly useful. Seasonale and Lybrel are two such preparations.

Most migraine sufferers are aware of the triptan drugs, medicines that have had a huge impact on migraine treatment. There are seven such drugs, and I won’t mention them all. Maxalt and Relpax are two of these drugs. The triptans should be used as the anti-inflammatory drugs are used — two days before onset of periods and continued for the length of the usual migraine.

DEAR DR. DONOHUE: I have a plantar wart. What do I do for it?

— C.R.

Read this full: Hormone changes can generate migraines

Ferrari 430 16M Scuderia Spider Makes Debut at 2008 Bologna Auto Show

The top has come off the Ferrari 430 Scuderia in honor of the brand’s victory in the 2008 Formula 1 Constructor’s World Championship. Ferrari has announced that it will offer only 499 examples of this lightweight high-performance drop-top. The Scuderia Spider 16M will be available in two new color schemes. The standard will be black and grey, but true racers at heart will opt for a tricolor livery available as part of the Carrozzeria Scaglietti Personalisation Programme. In commemoration of Ferrari’s 16th Constructor’s World title the rear grille will sport a special badge. Inside, a plaque reading “limited series” is mounted just above the air vents at the center of the dashboard. Other features specific to the limited edition include a carbon-fiber roll bar and the implementation of a next generation audio system that can be paired with a customized Ferrari 16GB iPod Touch that can be docked right in front of the dash. Having Scuderia in the name implies that this car isn’t all show and no go. It tips the scales at just 2,954 lbs which is 132 lbs lighter than a F430 Spider. Behind the cockpit resides the sweet-sounding 4.3-liter V-8 cranking out 510 horsepower and linked to the quick-shifting six-speed F1-style gearbox. That 5.7 lb/hp ratio is good for a 0-62 time of only 3.7 seconds and a top speed of 195 mph.
 Read full artcle: Ferrari 430 16M Scuderia Spider Makes Debut at 2008 Bologna Auto Show

What US Expats Need to Know About Paying Taxes

The main opinion considering taxes and American expatriates is that there is no need to worry about paying any more dues to the government. However, the meaningfulness is not that simple, and it is vital that you understand exactly the facts concerning the matter to keep yourself from getting into any legal complications.

The following are the facts involving the Internal Gross income Service and the tax liabilities of an American expat:

The Foreign Earned Income Exclusion

This of obviously, refers to any amount that you may have, or have earned from working in another country besides the US. It includes not just your salary but also any allowance that you may receive as compensation.

To avail of the revenues exclusion, you must meet the following requirements: the first is that you must have lived in that foreign country for at least full year, or have spent at least 330 days from a 12 month epoch. The amount that you can take advantage of can reach up to $80,000. You must, however, file all the necessary papers to the IRS to be a part of this program.

Expats and Self Occupation Tax / the US Social security and Medicare

If you are an expatriate who is employed by a company in the United Sates, it is almost always the case that your proprietor will hold back any Meficare or Social Security.

For those that are their own employers (self employed in other words), you will need to pay up to whatever amount you owe the gate service. Moreover, there is a self employment tax that you will have to pay so that you will be entitled to both Social Security and Medicare.

American Expats Employed by ForeignersIn the mainIf you are working for a corporation in another country, you will not, except in special cases, pay anything to the Internal Revenue Service with respect to your Social Safe keeping, and instead will be covered by that country’s own laws concerning taxation.

Facts about Tax Treaties

If the nation you are in has a tax treaty with the United States, then it is possible that you might have to pay some to the IRS. Currently the US has tax treaties with 60 other nations, and it is therefore crucial that you check if you are covered by this over.
There are several online resources you can check for information concerning this subject, but the best and most reliable place to begin would be at the sanctioned website of the Internal Revenue Service, www.irs.gov

Double Taxation and Foreign Tax Credits

Read full article: What US Expats Need to Know About Paying Taxes

Different Types of Taxi Insurance

Looking at the increasing number of road accidents, as well as vehicle theft, insurance for your vehicle is a must. Getting coverage for a vehicle means that at the time of damage or theft, the company from whom the policy is taken will cover the cost of damages, or will pay for the cost of the vehicle in case of theft. Many of the firms are offering insurance policies on a commercial basis as well, one example being the introduction of taxi insurance in which cover is provided for taxis, cabs and even vans. Private hire insurance policies, as well as public hire insurance policies, are two types of taxi insurance policies available. In comparison to the public hire insurance policy, private hire insurance policies are a lot more expensive as they involve a higher risk.

These types of taxi insurances are very popular these days, as having taxis for public as well as private hire includes a lot of risks, and not opting for any kind of insurance policy will make the running of taxis unaffordable. But one must also be very careful in choosing the company from whom the insurance is obtained, as it is a very specialised field, and very few companies are providing it at genuine prices. Getting a cheap taxi insurance policy may not be a very hard nut to crack because of the competition between the companies.

Obtaining these taxi insurance policies is very easy, as one may register directly over the net or can even consult any executive from the taxi insurance company. The best way to get cheap taxi insurance is to directly get in contact with the wholesale insurance agents as they are well trained and can calculate the minimum amount of premium required to obtain a taxi insurance policy. The prices, or the premium, of the policy is relatively cheap, if there is a good number of a taxis included in the policy. Apart from this, there are three types of taxi insurance policies offered by companies and they are: third party, fully comprehensive, and third party fire & theft.

Read full article: Different Types of Taxi Insurance

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