Did you realize that teenager drivers are affecting insurance premiums for all motorists? In addition, other awful drivers can affect your premiums too. While it might not seem fair, the reality is more and more people, especially teenagers, are distracted while behind the wheel.
Messaging, while at the same time driving, is very risky behavior that more young drivers are engaging in. According to DirectAutoInsurance.org, vehicular deaths related to distracted driving is one of the leading causes of deaths for motorists under 20 years old. Sadly, an ever-increasing number of individuals are taking part in this terrible conduct, including adults. This behavior is responsible for over 1.6 million accidents and 400,000 injuries for each year.
The National Safety Council estimates that almost one out of four accidents are due to distracted driving. Along these lines, the quantity of accidents has gone up over 14% since 2014. In addition to the fact that the roadways are riskier to drive in than ever before, it is also becoming more costly to drive. One of the main reasons is an escalation in auto insurance premiums.
Teenagers Drive Distracted the Most
New tests demonstrate that individuals are prone to taking their eyes off the road, even in heavy traffic. Not only does it make driving conditions unsafe, but it also is contributing to an increase in accidents. Since distracted driving behaviors are one of the main sources of accidents and deaths every year, car insurance companies have had no choice but to raise premiums. All drivers, including those that do not engage in distracted driving, need to pay more for their auto insurance. Some insurers are now losing money, with a big portion of the blame placed on increasing distracted driving-related accidents.
Surge Powers, the leader of Burke, Powers and Harty law firm is seeing more legal cases each year related to major injuries caused by distracted motorists. This is influencing bigger premium increases each year by a majority of insurers. All things considered, a car insurance plan costs about $926 every year on average. Since 2011 until 2018, that rate has gone up annually by 16%. Young people are the greatest guilty parties of driving while under the influence of their cell phone. Sadly, everybody pays the cost for it.
Why Does Texting and Driving Hurt My Car Insurance Premiums?
Do you text and drive? If you are honest and this is the truth, there’s one thing you should do. You should stop this dangerous behavior immediately. Messaging on your phone while driving puts you and everyone on the road around you at risk of getting into a serious accident or even worse killed. Several insurance organizations have begun tracking mobile phone use for the drivers that they cover. You might be followed because of your terrible conduct and receive a hefty penalty.
One case of this is Allstate and Loya insurance. They utilize something many refer to as Arity. It’s a tracking AI that decides if drivers are utilizing their telephones while driving. Arity investigated more than 160 million cases and discovered that the individuals who used their telephone while driving were engaged in much more risky driving while on the road. In the event that you don’t text and drive, you may feel relieved. In any case, you are just as affected financially as those who do text and drive.
Will My Rates Be Unaffected If I Don’t Text and Drive?
A wide range of components dictates vehicle Insurance rates. This includes your nearby neighborhood, your age, your education, your driving history, and your income. One of the last classifications that these organizations will check is the probability a customer will engage in texting and driving. Since such a large number of individuals are doing this in recent years, sophisticated algorithms are used to determine risk and premiums. If you do not text and drive, you might pay a little less, but overall you will be paying more than if this issue did not exist.
Should I Expect My Insurance Premiums to Rise in the Near Future?
Everything depend on what state you live in. Throughout the whole country, premiums have gone up about 23% since 2011 and they keep going up at the present day. North Carolina residents experienced substantial premium increases. In 2016 alone, their rates went up by 9%. This is because of a dramatic increase in distracted driving accidents. Sadly, many people on a tight budget in this state have been forced not to drive because insurance rates that are too costly.
There’s an ever-increasing number of vehicle accidents due to texting. State Farm insurance company reports that 40% of all drivers confess to Texting and driving. Despite the dangers, people just can’t put down their cell phones, even while driving. This is unquestionably a major factor bringing about more and more accidents. If you’re a high school aged motorist, you will probably see an enormous increment in your Insurance rate over the next couple years, unless this trend reverses.
How to Pay Less for Auto Insurance Coverage
The best thing you can do in this circumstance is raised your credit score. If your score is under 650, you will end up paying about 20% or more for coverage. Get your score over 700 and watch your rates go down a lot. Also, drive an older car with a 4-cylinder engine. Nest, take the time to search for the cheapest rates both offline and online. Compare at least 10 car insurance quotes and see who has the best pricing for the coverage you need. Lastly, never text and engage in distracted activities behind the wheel. This will prevent many accidents and help keep your premiums down.
Selling a Distressed Property? We Buy Houses Companies Can Help
Understanding Distressed Properties
Before we delve into the heart of the matter, let’s first understand what distressed properties are. Distressed properties are real estate assets that are under the threat of foreclosure due to non-payment of mortgage loans or are already owned by the bank because the homeowner couldn’t keep up with the mortgage payments. They can also refer to properties that require extensive repairs, making it difficult for the owner to sell the property on the open market.
However, there’s good news for homeowners in such a situation. There are companies known as “cash home buyers in Charlotte” that provide a quick, convenient solution for homeowners looking to sell their distressed properties. These are real estate investors who buy homes directly from the owners, offering cash upfront.
Why Sell to Cash Home Buyers
A Quick Sale
One of the most significant advantages of selling your home to cash home buyers is the speed of the sale. Traditional real estate transactions can take anywhere from a few weeks to several months. However, cash home buyers can close the deal within a week or even less.
No Need for Repairs
Another benefit of selling your home to a cash buyer is that they buy houses “as is.” This means you won’t have to worry about making expensive repairs or renovations before selling the property. This is particularly beneficial if you own a distressed property that needs extensive work.
How the Process Works
Step 1: Initial Contact
The process begins when the homeowner contacts the cash home-buying company. This can be done through a phone call or by filling out a form on the company’s website.
Step 2: Property Evaluation
Next, the cash home-buying company will evaluate the property. This usually involves a home visit by a representative from the company. They will inspect the house to assess its condition and determine its market value.
Step 3: Cash Offer
After the evaluation, the cash home-buying company will present the homeowner with a no-obligation cash offer. The offer will typically be less than the market value of the property, but the speed and convenience of the sale often outweigh this aspect.
Step 4: Closing the Deal
If the homeowner accepts the offer, the company will then proceed to close the deal. This usually happens at a local title company. The homeowner will receive the cash payment, and the ownership of the house will be transferred to the cash home-buying company.
When It Makes Sense to Sell to a Cash Home Buyer
Selling your house to a cash home buyer is an excellent option if you need to sell your home quickly or if your house is in poor condition. This could be due to various reasons such as avoiding foreclosure, resolving a divorce settlement, moving to a new location, or simply not wanting to deal with the hassle of selling on the open market.
It’s essential to remember that while cash home buyers offer less than the market value of your property, the quick sale, convenience, and saving costs on repairs often make this a worthwhile option for homeowners looking to sell their distressed property.
In conclusion, “We Buy Houses” companies offer a viable solution for homeowners looking to sell their distressed properties quickly and conveniently. The process is straightforward, hassle-free, and can be completed in a fraction of the time it takes to sell a home through traditional real estate transactions.
While these companies won’t offer you the full market value for your property, the benefits of quick cash, no obligation offers, no need for repairs, and speedy closure make them a compelling option for distressed homeowners. Make sure to do your research and choose a reputable company that offers fair cash offers and has a track record of successful transactions.
In this way, you can avoid the stress and uncertainty that often come with selling distressed property and move forward to the next chapter of your life with more ease and peace of mind.
Win-Win Wedding Party Entrance Songs to Get the Party Started
Not every couple has a favorite song suitable for the first wedding entrance. If you’re having trouble choosing a romantic composition and need inspiration and ideas urgently, we’ll be happy to help. In this collection, wedding party entrance songs that have long been real hits remain relevant until now.
Do You Really Need Spend Time For Selecting a Wedding Song?
The wedding party entrance songs are the most memorable moments at a ceremony. The composition sets the tone and mood for the upcoming event. The music must suit the style of your couple. And if you like retro, you should not choose Rihanna or Lady Gaga but rather take something from the classics.
Top 10 Most Popular Wedding Entrance Songs 2023/24
- A Thousand Years — Christina Perri.
- I Don’t Want To Miss A Thing — Aerosmith.
- You Are The Best Thing — Ray LaMontagne.
- Beautiful Day — U2.
- Marry Me — Train.
- You Are the Love of My Life — Sam Cooke.
- Can’t Help Falling in Love — Elvis Presley.
- At Last — Etta James.
- I Choose You — Sara Bareilles.
- I’m Yours — Stevie Wonder.
How to Select Songs for Wedding Party Entrance?
Your entrance at the altar is one of the central moments on the wedding day, meaning the musical accompaniment must be perfect. Make sure all the guests take out their smartphones to film this main event at the ceremony so that your task is to provide them with the ideal soundtrack.
First, imagine how you see your entrance at the wedding: traditional — with your father, spectacularly accompanied by bridesmaids, or unusual — for example, getting out of a retro car right in front of the podium. When you imagine this moment, you will feel the mood you want to share with the guests. This will be the starting point for finding wedding entrance songs for bridal party.
General Wedding Style
When choosing melodies for the bride and groom, some couples consider the style of the celebration. A country-style composition at a country wedding often accompanies the bride’s entrance. At an urban chic or loft celebration, covers of modern hits about love are usually used.
Another way to choose the right wedding party entrance songs is to review wedding scenes from cult melodramas and select a composition that best matches your ceremony’s atmosphere. So, how do you appear to your guests, luxurious and stylish or romantic and exciting?
Music for a wedding is not always only trendy compositions from the best DJs. This music is close to you in spirit and mood, the beginning of your event, and its general atmosphere, which is transmitted to the guests. Therefore, for key moments, select wedding party entrance songs you will later remember with trepidation in your soul.
Events For October
The Statue of Liberty’s birthday, Oktoberfest, Open House New York, pumpkins, Halloween and more wait for your attention this October.
Events this month include:
- An intimate “Evening with Brian Stokes Mitchell” (October 5).
- 2023 Herbie Hancock Institute of Jazz International Piano Competition (October 14 and 15)
- Actress and creator of the “Red Table Talk” series Jada Pinkett Smith (October 16).
Magic Hour at the Moxy Times Square, 485 7th Ave, has pink theme’s right now it’s “Pink Pumpkin Patch.”
Open Streets Columbus Avenue, every Sunday from 68th to 77th street from 11 a.m. – 7 p.m.
- October 1, 2023
- October 8, 2023
- October 15, 2023
- October 22, 2023
- October 29, 2023
Until 10/15: Hispanic Heritage Month. Look for parades, events, film festivals, and more.
Until 10/31: OctoberFest the Loreley Beer Garden, 7 Rivington Street (between Bowery and Chrystie) will be serving sausages and pretzels as well as German beer from liter steins and boots. On Sundays at 3 p.m., there’s a delicious free pig roast. There’s also a haunted beer garden starting on 10/18.
Until, 11/1: The Color Factory has 14 immersive exhibits that engage all the senses in an exploration of the art and science of color. The museum works with local artists, designers and creatives to bring the designs to life. This Soho immersive art museum will present Haunted Hues, a Halloween-themed takeover.
Until 11/4: Blood Manor, haunted house’s 20th season at 359 Broadway. This year three new rooms, and brand-new costumes by designers from Abracadabra, Manhattan’s iconic Halloween store. Immersive experience, professional actors, set designers and makeup artists, with twisted characters and jumpscares at every turn.
Until 1/7/24: Manet/Degas, this exhibition examines one of the most significant artistic dialogues in modern art history: the close and sometimes tumultuous relationship between Édouard Manet and Edgar Degas. Born only two years apart, Manet (1832–1883) and Degas (1834–1917) were friends, rivals, and, at times, antagonists who worked to define modern painting in France. Through more than 150 paintings and works on paper.
10/3: Rooftop Cinema Club Midtown, 60 West 37th Street, will present Mean Girls, Rosemary’s Baby, Paranormal, The Exorcist, The Shining, American Psycho and other cult classics as well as Hocus Pocus and Halloween.
10/4 – 11/11:”Dreams of Dracula: An Immersive Masquerade Experience” recreates the classic Dracula universe as a brand new vampire theatrical adventure. Head to Musica NYC, 637 West 50th Street. Two floors and six rooms across 25,000 square feet for a heady mix of immersive theater, dance and decadent masquerade.
10/ 5 – 6: NYC pop-up “Love Me (Bar)Tender,” with Elvis-themed cocktails, music from Memphis bands and a photobooth. It’s sold out, but sign up here to get alerts.
10/6 – 8: The New Yorker Festival. Julia Louis-Dreyfus, Misty Copeland and more. Live conversations, musical performances, and more, hosted by the magazine’s acclaimed writers and editors. The Festival brings together today’s most influential voices for a one-of-a-kind event in New York City.
10/12 – 15: The Food Network New York City Wine & Food Festival has 80-plus events that include more than 500 chefs from around the world. Tastings, classes, dinners, late-night parties, drag brunches and demonstrations. Across the boroughs. This year, The Cookout, will celebrate hip-hop’s 50th Anniversary.
10/17 – 31: Black Lagoon is a Halloween pop-up cocktail bar at Pretty Ricky’s (101 Rivington Street). The experience features a curated cocktail menu of eerie Halloween-themed drinks created by Ramage and Hayes, macabre dens festooned with frightfully fun decor.
10/20- 27: Open House New York Weekend Festival. Access the city’s main buildings for 3 days. All sorts of buildings can be visited, from the very historic to modern apartments or industrial buildings that are scattered all over the five boroughs. There will be tours, lectures, performances and events around the meaning of architecture and urban design. All the information about this cool event can be found here.
10/27: The Balloon Museum is officially set to take over Pier 36 at The Seaport in 80,000-square-foot space, and is scheduled to run through January 14, 2024. You can expect a 4,000-square-foot ball pit, inflatable lava lamps and the sorts of infinity rooms that you’ll itch to post about on Instagram.
10/31: The Village Halloween Parade where zombies, ghouls, witches, monsters, giant puppets and more take to the streets for a night of costumed revelry. The parade rolls out at 7pm. Sixth Ave becomes most congested with spectators between Bleeker and 14th Sts, so we suggest setting up camp at either the head (Spring to W Houston Sts) or tail (14th St to 16th St) of the parade.
10/31: The Annual Pumpkin Flotilla at Central Park. As is gets dark around 6:30 pm, carved pumpkins are released into the Harlem Meer and will be float around for 30 minutes. The spectacle draws hundreds of visitors to the northeast corner of Central Park.
Halloween Delights with Skrewball Peanut Butter Whiskey
Boo! It’s time to get your Halloween on with a sweet and sinfully delicious delight – Skrewball Peanut Butter Whiskey.
Spooky cocktails with rich flavors and bold tastes will have your festive spirit soaring this year. Try these phenomenal recipes to make the most of an incredible holiday.
- 1 ¼ oz. Skrewball Peanut Butter Whiskey
- ¾ oz. coffee liqueur
- ½ oz. pumpkin syrup
- 2 oz. espresso
- Dash of pumpkin spice
- Combine 1 ¼ oz. Skrewball, ¾ oz. coffee liqueur, ½ oz. pumpkin syrup, 2 oz. espresso & a dash of
pumpkin spice into a shaker with ice.
- Shake vigorously.
- Strain into coupe glass.
- Sprinkle with pumpkin spice & drizzle with chocolate.
- 1 ½ Skrewball Peanut Butter Whiskey
- ½ oz. pumpkin spice syrup
- 1 sugar cube
- 1 tbsp. butter
- 4 oz. hot water
- Star anise
- Cinnamon sugar
- Add sugar, butter and hot water to mug and stir until dissolved.
- Add Skrewball, pumpkin spice syrup, star anise and stir.
- Sprinkle with cinnamon sugar.
- 1 ½ oz. Skrewball Peanut Butter Whiskey
- ¾ oz. Zaya Gran Reserva Rum
- ½ oz. orange juice
- ½ oz. pineapple juice
- ½ oz. pumpkin cream of coconut mix*
- 3 pineapple top leaves
- Pumpkin spice
- For the pumpkin cream of coconut, blend all ingredients to taste.
- To make the cocktail, shake all ingredients together in a shaker with ice and pour into cocktail glass.
- Garnish with three pineapple leaves and powdered pumpkin spice.
Pumpkin Cream of Coconut Mix Ingredients:
- 15 oz. can pumpkin puree
- 15 oz. can cream of coconut
- 2 dashes vanilla extract
- 1 tsp. cinnamon
- ¾ tsp. nutmeg
- 3 tbsp. sugar
The Mayor of Times Square Interviews Billionaire John Catsimatidis on The Motivation Show Podcast
John Catsimatidis went from rags to riches to become the CEO of the Red Apple Group where he began his meteoric rise to billionaire status as the founder of the Gristedes supermarket chain in New York City. As a child immigrant from very modest beginnings, he struggled to learn English. He worked at a Sloan’s Supermarket without a pay check where he had to hustle for tips. He went on to own one small grocery store and turned it into a sprawling empire. He has gone on to be wildly successful in other industries including real estate, energy, sports and media as the owner of WABC Radio in NYC. His book is How Far Do You Want To Go: Lessons from a Common-Sense Billionaire. If you ever dreamed of hitting the Lotto, dream on…or learn the blueprint from this book on how to get to the top…the very top.
Here are excerpts from the riveting, exclusive interview:
Eli Marcus: Tell us what life like was like growing up in West Harlem, John?
John Catsimatidis: Well, it was a mixed community. I was in West Harlem by City College. I went to PS 192. We had Irish. We had Hispanics. Dominicans. Blacks. Italians. Greeks. We had almost everybody. We all played together. We all had a good time together. There was no such thing as prejudice and there was no such thing as crime. It was a great melting pot.
Eli Marcus: What inspired you to write this book and what are the main takeaways you wish for our audience to learn from reading it?
John Catsimatidis: I wanted my kids and grandkids someday to know where they came from. I want them to have respect for their forefathers. The other aspect is to help make a difference in young kids. You know who is buying this book? A lot of grandfathers. A lot of grandmothers for their grandkids. A lot of fathers, mothers for their kids. We are hoping that it will make a difference in these kids’ lives. That was very important to me. Someday if I have grandkids that they know where their origins are from. I remember before my dad passed away that we sat down and wrote everything down. The 1860’s. About his great grandfather, about his grandfather. So it makes a difference. We did a DNA test. I’m 28% Italian. 60% Macedonian Greek. 6% Jewish. The definition of my 6% Jewish is either one of my great grandmothers or great grandfathers was Jewish. That’s what 6% means.
Eli Marcus: John, what do you believe are your secrets or not so secret principles that have enabled you to build not only a successful business empire but a very successful personal life as well?
John Catsimatidis: My parents taught me never to do anything to shame the family name. My father worked two jobs to never have to go to his brothers to shame himself on asking his two brothers. He worked Monday thru Friday as a busboy. The reason he worked as a busboy is that he didn’t speak English properly.
Eli Marcus: What is your idea of common sense that you allude to in the subtitle of your book?
John Catsimatidis: How to do the right thing. It’s not about being a Democrat. Not about being a Republican. I was Bill Clinton Democrat. I ran his campaigns in the New York area for quite a few years. I started as a Democrat. I helped run Jerry Nadler’s campaign for Borough President against David Dinkins. Since my daughter married a Republican, we wanted to have peace around the Thanksgiving table. When I ran for Mayor, I ran as a Republican liberal.
Eli Marcus: In the book, you say that you were insecure in public School. It’s hard to believe that John Catsimatidis was insecure.
John Catsimatidis: Well, with a name like Catsimatidis, there were not many Catsimatidis’s around. People were always cutting their name short. There is no such thing as a Pappas. It used to be a bigger, longer name. We never cut down our name.
Eli Marcus: What role does collaborating with others play in your life and do you have a prime example that comes to mind of a particularly mutually successful collaboration that stand out to you?
John Catsimatidis: I believe in communications. I believe in talking. Whether it’s Democrats or Republicans I believe that everybody, they should all sit down with each other. We work very closely with other radio stations. We’re syndicated in over 250 stations around the country. Our stream can be heard in 50 states, 173 countries.
Eli Marcus: Can you tell us what is the sink or swim theory you learned from your cousin in Greece when you visited there?
John Catsimatidis: I didn’t know how to swim. Forget about it. I’m the kid from Harlem. We didn’t have any swimming pools or go to the beaches much. So we were on the dock on the island I was born. We went there to spend two weeks. My cousin taught me how to swim. He threw me off the pier! What is the ole expression? Sink or swim!
To listen to the entire interview on The Motivation Show podcast, click here: https://open.spotify.com/show/3NVmTDAvGbzooN8TCW7tuN.
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