If one of your friends or family members got a better car insurance premium than you, it isn’t because they know someone in the industry, or they got lucky; all they did was follow these four simple steps to lower auto insurance premiums:
When it comes to car insurance in Canada, many of us pay too much. If you happen to know someone who has the same driving record as you do, yet they are paying less, it isn’t an accident, and no insurance company. What they more than likely did was used these four ways to get the lower rate:
1. RATE COMPARISON
Ummm, let me say state this differently, the SHOPPED! We shop prices for cars, computers, clothes, and these days EVEN gas, but when it comes to car insurance, we get the quote from the insurance rep and say “ok” and pay the rate without even shopping it!
There is a couple of reasons why we do this, and incidentally, they are myths … here is why we don’t shop
Myth #1 – there is no reason to shop because there is no difference between insurance companies when it comes to the coverage. They all charge the same price
Myth #2 – shopping rates are for new drivers who don’t have insurance yet or those people who have had accidents or tickets.
Those myths need to be BLOW OUT OF THE WATER! If you believe them, it costs you money!
If your driving record is clean, you are probably still paying way too much for car insurance because car insurance companies DON’T all charge the same; their rates do vary, and in some cases, they differ a lot.
Take the time to get a Canada car insurance quote
2. Deductibles, consider raising them…
A deductible is the amount of the claim that YOU pay, and then your insurance company pays the rest if you are involved in an accident. We usually take the lower deductible because we want to pay less out of our pocket and have the insurance company kick in more. Good in theory, but, of course, it doesn’t work that way. We are still paying a higher premium. If you go with a higher deductible, it lowers your premium; I mean, we aren’t in accidents every day, right? So, why not elect to pay the higher deductible to save over the long run on our rate?
3. Discount, hey, do you offer any…
There are many insurance discounts you can take advantage of; here are ones to ask for:
Age – when you hit 25, the rate drops. There could be other breaks as well… ask!
Multi-vehicle discount – more than one car insured with the same company
Multi-line discount – insure the car, house, cottage, and boat and get a break if it is with the same company.
Anti-theft discount – get discounts based on the anti-theft devices you have
Low mileage discount – you’re a lower risk if you don’t drive that much.
Occupational discount – depending on the line of work you’re in, you may be one.
Auto club discount: CAA or some of the other auto clubs have discounts.
The key here … If you don’t ask, you don’t get it!
4. Watch your driving…
I know, I know, things happen when you’re on the road. However, keep in mind that your driving record is the key factor insurance company’s use in figuring out your insurance rates. The accidents you happen to get involved in that are your fault, and the traffic tickets all factor in and remain with you for a long time, so pay attention to what you’re doing!
We ALL have to pay for car insurance in Canada; that’s the law. However, we DON’T have to pay huge car insurance premiums; take the time, and use the four keys above; you can save on car insurance in Canada!
James Murdoch blasts US media for unleashing ‘insidious forces’ – Financial Times
James Murdoch has castigated the US media for the “toxic politics” threatening American democracy, saying proprietors are as culpable as politicians who “know the truth but choose instead to propagate lies”.
The remarks by Rupert Murdoch’s youngest son, made in an interview with the Financial Times and a further joint statement with his wife Kathryn, are his strongest public rebuke of America’s news industry since he parted ways with the family business built by his father.
Asked whether America’s dominant conservative news network Fox News had played a role in the riot that rocked Washington last week, James Murdoch said media groups had amplified election disinformation, leaving “a substantial portion” of the public believing “a falsehood”.
“The damage is profound,” Mr Murdoch said. “The sacking of the Capitol is proof positive that what we thought was dangerous is indeed very, very much so. Those outlets that propagate lies to their audience have unleashed insidious and uncontrollable forces that will be with us for years.”
“I hope that those people who didn’t think it was that dangerous now understand, and that they stop,” he added, while noting he had not “seen any evidence of that yet”.
During the interview set up to discuss his latest digital venture in India, Mr Murdoch did not directly mention Fox News, his father, who founded it, or his brother Lachlan, the chief executive of the Fox Corporation.
Fox News did not immediately respond to a request for comment. The network has long stressed the divide between its opinion programming and news coverage.
While many Fox News hosts have championed the policy agenda of Donald Trump, the network’s journalists have often broken stories critical of the president.
James Murdoch, who was chief executive of 21st Century Fox from 2015 to 2019, said he was also speaking on behalf of his wife Kathryn, with whom he has charted an independent path from the conservative politics of the Murdoch empire. The couple were big donors to Joe Biden’s presidential campaign and have backed organisations fighting climate change and fake news.
Rupert Murdoch’s six children each received up to $2bn from the break-up of his media empire and the sale of his entertainment businesses to Walt Disney in 2019. Overlooked in the family succession battle, James went on to use the funds to establish Lupa Systems, an investment vehicle to build a media portfolio.
In August he withdrew completely from the family’s news operations, resigning from the board of News Corp — which owns a stable of titles ranging from the Wall Street Journal to The Sun — because of “disagreements over certain editorial content”.
While his objections are well known, until now he has been relatively guarded with public criticism. James, along with his siblings, still owns a significant share of the family trust, which people close to the Murdochs have speculated might be used to influence the direction of the empire after Rupert relinquishes control.
“Spreading disinformation — whether about the election, public health or climate change — has real world consequences,” James and Kathryn Murdoch said in a joint statement following the FT interview.
“Many media property owners have as much responsibility for this as the elected officials who know the truth but choose instead to propagate lies. We hope the awful scenes we have all been seeing will finally convince those enablers to repudiate the toxic politics they have promoted once and forever.”
When asked whether he saw signs of change, Mr Murdoch replied that he prayed people would “come to their senses” and said there was bound to be “a reckoning” for media.
Owners of news organisations, he said, were “being co-opted by forces that only want to stay in power, or are manipulating our discourse from abroad and are only too happy to make a mess and burn things down”.
Poland proposes social media 'free speech' law – BBC News
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.css-14iz86j-BoldTextfont-weight:bold;Poland’s government has proposed a new law to stop social media platforms deleting content or banning users who do not break Polish laws.
The proposed bill would see social networks fined up to 50 million zloty (£9.8m, $13.4m) for failing to restore deleted posts or accounts.
Justice Minister Zbigniew Ziobro announced the “freedom of speech protection” bill on Friday.
The law would also establish a “freedom of speech council”.
The council would be able to order social networks such as Facebook or Twitter to restore deleted content, or unblock a user’s account following a review, Mr Ziobro said.
Social media users in Poland who had been blocked or had content deleted would be able to complain directly to the platform, which would have to respond within 24 hours.
If a social media company refused to comply with an order, the council would be able to issue a fine of between 50,000 and 50 million zloty.
Mr Ziobro leads a hard-right junior coalition partner in the Polish government. His party claims that traditional Roman Catholic values are under threat from LGBT rights.
He said large internet corporations were increasingly limiting freedom of speech.
“Often, the victims of ideological censorship are also representatives of various groups operating in Poland, whose content is removed or blocked just because they express views and refer to values that are unacceptable,” Mr Ziobro said recently.
Under the proposed bill, members of the free speech council would be appointed for six-year terms by a three-fifths majority vote in parliament, in an attempt to safeguard pluralism, Mr Ziobro said. They would be experts, not politicians.
Poland’s prime minister Mateusz Morawiecki has said that protecting freedom of speech on the internet is a priority for him and has warned against “political correctness”.
“Censorship is not and cannot be accepted,” he wrote on Facebook, which has suspended US President Donald Trump’s account.
On Friday, the Rzeczpospolita daily newspaper quoted an anonymous government source who said Mr Morawiecki was going to lobby the EU to regulate the issue, because domestic regulations would be ineffective without EU-wide backing.
According to Sebastian Kaleta, a deputy justice minister, the measures could come into effect by next January.
Twitter’s banning of President Trump has attracted some criticism in Europe, with German Chancellor Angela Merkel calling it “problematic”.
Sleep, social media and mental health: Western U researchers look for links – Globalnews.ca
Researchers out of Western University in London, Ont., are trying to find out exactly how social media and sleep impact mental health, particularly among young people.
While the interplay between sleep, social media, and mental health has not been confirmed and “warrants further study,” two recently published papers are starting to shed light on how complex the relationship is.
“There is quite a large body of evidence linking poor sleep with adverse health outcomes, especially among adults,” Dr. Saverio Stranges, chair of the department of epidemiology and biostatistics, told Global News.
“However, the evidence among younger people, especially people like adolescents facing critical life transitions, is much more limited.”
One of the studies, which analyzed data from the Canadian National Longitudinal Survey of Children and Youth, found that adolescents who experience difficulties sleeping are at higher risk of developing symptoms of anxiety and depression.
In particular, girls between the ages of 12 and 15 with persistent difficulties sleeping experienced higher rates of anxiety and depression.
“When present, these symptoms can persist into young adulthood and negatively impact relationships, quality of life and employment,” said Stranges.
In another study, associate professor Kelly Anderson looked at previously published studies and reportedly found significant associations between excessive social media use and poor mental health outcomes, as well as between poor sleep quality and negative mental health.
“They are likely all part of a larger process that are feeding back to each other. So, if you aren’t sleeping well, you are probably going to use social media more often, which is going to impact your mental health, which impacts your sleep and so on.”
Foods that help with sleep
Junayd Hussain, one of the contributing authors, says it’s the link between the three that “really interested us.”
“Based on our research, it seemed as though at least part of the negative effects that social media use has on mental health may act through sleep disturbances.”
The researchers say the studies highlight the need for public health initiatives to promote sleep hygiene.
Stranges said that, in terms of public health campaigns, there has been much attention paid to the importance of diet and physical activity and the impacts of smoking and alcohol consumption, but he doesn’t believe sleep hygiene gets the same amount of attention.
“Good sleep habits should be really promoted in the very early stage because otherwise, you know, this may translate to long-term adverse health outcomes. And I think is important also from a public health perspective that we pay more attention to the way we sleep.”
Researchers say one way to promote good sleep hygiene is to limit screen time before bed.
© 2021 Global News, a division of Corus Entertainment Inc.
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