There may be such a thing as having the absolute best job.
The research team at CareerCast thinks a particular role’s attractiveness comes down to a variety of measurable factors.
Using data from Bureau of Labor Statistics and other resources, CareerCast ranked the 200 most common jobs in the U.S. according to several key factors, including median salary, expected job growth over the coming years, level of competition, amount of physical work required, safety hazards and amount of stress.
The team used these factors to determine an overall score for each job and come up with the top 10 professions.
“The best jobs do underscore that while college may not be the golden ticket in the labor force that it once was,” CareerCast online editor Kyle Kensing tells CNBC, “it’s still incredibly valuable for getting into high-growth, high-paid careers.”
Here are the 10 best jobs in 2017, according to the report:
The government makes it hard to sell cars in the United States, but they’ve left open one huge loophole for cars you build yourself — i.e. kit cars.
10.) Caterham 7
Why It’s Cool: Along with the myriad Cobra variants out there, the Lotus 7 is the granddaddy of kit cars. When it was originally introduced in 1957 it was offered in England as a kit car in order to avoid the new car tax; since production shifted from Lotus to Caterham in 1973, the option to build your own 7 remains. In the United States Caterhams are only sold as kits, though those of us who are less mechanically inclined can pay a dealer or recommended local builder to put them together. However you get yours on the road, there’s no substitute. A Caterham, at any trim or performance level, is an experience.
9.) Manta Montage
Why It’s Cool: Edited together from Beetle bits, the Montage was one of a million different takes on bug-based kit cars of the 1970s. They weren’t particularly quick, or comfortable, but man did they look cool. If you really wanted something that almost sort of looked just like a McLaren M8B, the Montage was for you.
8.) SDR V-Storm WR3
Why It’s Cool: What looks like an Ariel Atom, but is built in a shed, and seats three? If you said the SDR V-Storm, you’re right! The V-Storm gets its go from either an Aprilia RSV1000 v-twin or unnamed Subaru motor in the back, and enough room for you and two of your closest friends (literally) up front. I’d be willing to bet that the V-Storm is one quick little car. If you grew up playing with Erector sets, snapping one together should be fairly straightforward.
7.) Noble M12
Why It’s Cool: Nobles were mostly assembled in South Africa, and then shipped here in a big box without a mechanical heart. All you have to do to make it road legal is to drop in a Ford Duratec V6 engine and maybe add a supercharger or two. This is the snap-together model of kit cars. Little skill needed for maximum fun.
6.) Bradley GT
Why It’s Cool: Like so many of its counterparts, the Bradley GT took a swoopy fiberglass body and wrapped it around either Beetle or Corvair mehanical bits. It had either gullwing doors or T-tops, and almost resembled a De Tomaso Pantera from the front. A little. If you squint. Later in the company’s life, the Bradley would become an electric kit car, but the company folded and production stopped in 1981.
Why It’s Cool: The neon-colored official Nova history page suggests “Ferrari-status motoring at mini-car prices.” And while I don’t doubt that these can be had for very little money, I do doubt a little performance claims like that from a Volkswagen powertrain. That’s not so say a Nova wouldn’t be a fun car- quite the contrary. Who wouldn’t have fun stepping out of that spaceship-looking canopy or tossing around what I’m sure is a very light car on some twisty roads? The Nova proved so popular that its creators licensed the design out for kit production in a ton of different countries under a ton of different names. The Stirling kit car here in America is the same as the Nova in England, and is the same as the Australian Purvis Eureka, and the Tarantula in Zimbabwe.
4.) Meyers Manx
Why It’s Cool: When his Volkswagen-birthed creation proved too popular for Bruce Meyers to keep up with demand, he took the newly-minted imitators to court. The judge ruled against him, and now Manx-inspired vehicles number in the hundreds of thousands. But there’s only one company making originals and newly-cerated variations on the theme. Meyers now make a couple of different Manx-inspired models, but the original is still by far the best.
3.) Factory Five Cobra
Why It’s Cool: Cobras are sweet. The pride that comes from building your own car is sweet. Why not combine the two? Factory Five has been selling kits and turnkey assembled cars for years now, and they’re one of the best in the business. Their Cobras look good, can take pretty much any engine ever in them, and are always ridiculously quick.
2.) Ultima GTR
Why It’s Cool: If outright speed and outrageous handling is what you’re into though, look no further than the Ultima. This thing holds all kinds of speed records and lap records, and looks like a mini Le Mans prototype (from the last decade, but who’s gonna care?) to boot. Just add engine.
1.) Local Motors Rally Fighter
Why It’s Cool: The Local Motors Rally Fighter changes everything we know about building a kit car. The Local Motors folks have you come to their factory in Arizona, where you go through an intensive six-day build assisted by their trained specialists on site. The factory looks beautiful, there’s a huge assortment of every tool you’d need, and at the end of the process, you get a custom DVD of yourself running around the chassis bolting things on. And then, when it’s all done, you get an off-road monster with a clean-burning diesel BMW engine or a giant American 6.2 liter V8 producing 430 horsepower. Awesome.
Millennials are now the most prevalent generation in the country, and the group is quickly driving purchasing trends across various industry sectors. Although a majority of insurance agencies have an online presence nowadays, having a website may no longer be enough when servicing the over 75 million millennials in the US.
Phillip Long, internet marketing product manager at Insurance Technologies Corporation (ITC) offers five tips on how insurance agencies can stand out to the millennial crowd.
Clean website design
“The ideal modern website is something very clean: minimal colors, clear calls to action and powerful verbiage wins over millennials,” says Long.
With modern web designs featuring less graphics and content, a simple design goes a long way in today’s marketplace. “When in doubt, refer to the KISS principle,” suggests Long.
Technology has enabled the average person to take their life on the go with internet-connected devices allowing consumers to research and transact business while on the run.
“You want to give a millennial searcher the option to take something with them if they are on the go,” he says. “Create downloadable content that can be read or accessed later when they have time. Infographics are very popular for this. Make it short, informational and interesting.”
According to Long, 88% of millennials get their news from Facebook, creating a large audience for insurance agencies looking to expand their social media presence.
Long recommends following the 80/20 rule when using social media as a marketing platform – 80% non self-promotional posts mixed with 20% self-promotional posts.
“Stand out on social media,” Long continues. “Don’t be like every other agent out there. Use video marketing and provide useful, relevant information. If given a choice, millennials will choose value over price. Provide that extra value with social media.”
Millennials are savvy online shoppers, and third party reviews have a large influence over their purchasing decisions.
“The worst insurance agency can have the best marketing in the world. But, if their clients leave horrible reviews, millennials will take notice,” Long says.
By building positive online reviews and testimonials, and having those readily accessible for potential customers to peruse, insurance agencies can establish a better brand presence online.
Do it all online
Finally, Long emphasizes the importance of businesses offering a mobile-friendly buying process.
“Mobile traffic across the web has officially surpassed desktop traffic. This is due to younger generations and their smartphone usage. If possible, try and make an online-only or mobile-friendly buying process. With online shopping, the fewer steps, the better,” he concludes.
BBQ, Bar-B-Que, Barbecue. No matter how you slice it, it’s a way of life here in Tennessee. This is a southern state that has is fair share of fantastic food and hospitable people, but when you join the two? Magic. Absolute culinary magic. Take a look!
PS? We consider all these meaty joints to be number one, so we’ve put this list together in no particular order. Tell us which one YOU think is the best in the comments below!
Far from its humble beginnings, the concept of life insurance has exploded in recent years into something much more far-reaching than a mere death benefit for a grieving family. It is a tool of businesses to preserve and pass on assets, a tool of individuals to strengthen retirement goals, and a tool for families to combat risks. Let’s take a look at the humble beginnings of this versatile tool and follow its progress into the dynamic product that it is today.
The Law of Large Numbers
The concept of life insurance is based on the law of large numbers. This basically means that the larger the group of people you have, the easier it is to spread the financial burden of risk to members. A group of 100,000 people only need to contribute $10 each in order to create a financial reserve of $1,000,000 where as a group of 100 people must contribute $10,000 each for the same result. Creating large groups in which each member contributed a small amount of money allowed there to be a significant benefit to a widow after the death of her spouse without creating poverty in other members.
Life Insurance—The Beginnings
Life insurance began as a loosely organized way to help widows and their children survive after the loss of a home’s breadwinner. Hundreds of years ago, women were not able to inherit land—and many peasant families had none to be inherited. As working men died, they left no one to care for and support their families so churches and other groups organized funds for the payment of their support. Some of these groups didn’t provide complete financial support for the widows, but just burial benefits for the recently deceased. Eventually, the clubs even expanded to offer other benefits like disability and dismemberment payments.
Life Insurance—The Middle Years
During the 1800’s, some companies determined that taking a premium in exchange for the promise of an insurance benefit was a more efficient and dependable way to offer a life insurance policy to a surviving spouse. This progress followed the Great Fire in New York in 1835 that left many families bereft emotionally and financially. During this time the face of insurance was changing as the automobile was making an impact and its insurance policies (created based on the historical policies of ship captains on the cargo their vessels carried) were becoming more and more popular.
Life insurance quickly grew from being an occasional policy of the rich to a necessity in every family—something that could not be said for auto insurance. It was offered as a benefit by employers and provided by unions. In the 1900s inexpensive burial policies became very popular with door-to-door salesmen selling them and collecting the premiums.
Now life insurance has become as sleek and modern as the latest Apple gadget. Insurance premiums can be taken directly out of your bank account without you having to write a check and policies can be purchased online and issued electronically—without a piece of paper touching your fingertips.
Even the benefit itself has changed. While life insurance’s main attraction is still its death benefit, there are many other benefits you can add on in the form of insurance riders. These include additional death benefits for spouses and children, accelerated benefits that allow you to access your funds after you are diagnosed with a terminal illness and accidental death benefits that double your death benefit should you die in an accident.
Life insurance policies are more frequently being considered investments that are to be considered in a family’s net worth. Their cash value accrual methods range from simple, fixed growth to variable growth that relies on the movement of the stock market to help your accumulation along.
No matter what you need your life insurance policy for or what benefits and riders you decide to take advantage of, it is a vital part of your family’s financial future. What was once merely a tool to help bury individuals and provide menial support to grieving widows has become a dynamic force offering the potential for a sophisticated tool in an effort to preserve wealth as well as a utilitarian product to ensure a way of life.
According to the latest Fannie Mae projections in July’s Multifamily Market Commentary, new multifamily rental construction remains strong with 10 percent year-over-year growth. Conversely, single-family housing construction continues its downward trend. With inventory tightening in an already constrained market and home prices inflating, it would appear that an affordability crisis is looming. Millennials, in particular, are finding it increasingly difficult to join an exclusive strata of first-time homebuyers, resorting to renting in higher-priced, choice neighborhoods closer to work and play.
Single-family housing has struggled to rebound to pre-recession new-start totals. When coupled with a cross-generational shift toward the rental lifestyle, multifamily developers are driving full-steam ahead to build in line with steady demand. In fact, Moody’s Analytics forecasts that multifamily starts will continue to increase through 2017 (549,000 units) with a slight dip in 2018 (521,000). This far exceeds the 1989-2008 average annual rate of 260,000 new starts.
Fannie Mae and others have painted a picture in stark contrast for the single-family housing market despite substantial economic recovery. There are several factors contributing to prospective homebuyers turning to the rental market:
Affordability: Lack of affordable housing options in close proximity to employment centers, mass transit and entertainment districts.
“Toe-dipping” too costly an endeavor for Millennials: What were once considered “starter homes” are easy pickings for older generations with higher net worth to purchase, update and upgrade. This prices out the younger generation already saddled by student debt and stagnant wages.
Slowing single-family construction: The lack of new builds constricts what is an already tightened supply, creating artificial inflation for homes already on the market.
Jobs, jobs, jobs: According to the Department of Labor’s most recent numbers, the hiring trend seen earlier this year has slowed considerably. The lack of new opportunities isn’t just affecting those out of work – it points to minimal upward mobility for the gainfully employed and speaks to broader economic skepticism.
Lifestyle preferences: A study commissioned by Ernst & Young found that globally, 47 percent of Millennials reported an increase in working hours within the last five years. Many Millennials are turning to rental properties for convenience and flexibility. Around-the-clock maintenance and concierge services are more attractive than time-intensive home ownership alternatives.
It’s easy to see how an entire generation is disenfranchised with the traditional “house with a white picket fence,” instead opting for the rental lifestyle that accommodates their specific needs and preferences. That same Ernst & Young study coined Millennials as “Generation Go,” and buying in the more affordable suburbs and exurbs can be a challenge to justify while pursuing an aspirational lifestyle. These generational factors continue to fuel robust rental demand on a national scale and, as such, there are great opportunities for apartment owners and marketers to capitalize on the concurrently favorable market conditions.
You work hard to pay your rent and buy things to furnish and decorate your home. And just because you don’t own the property you live in, that doesn’t mean that you don’t have anything worth protecting. Renters insurance allows you the protection of your financial future that you need—even when you don’t own property. If you are considering renters insurance for the first time, then there are a few things you should know before meeting with your agent.
Lesson 1: Contents
One of the main priorities for many renters insurance shoppers is to get protection for their possessions. Their furniture, stereo equipment, computers, jewelry—all the stuff that sits inside the apartment exposed to risks all day. The contents coverage in a renters insurance policy covers all these items. But that is a really short list. Contents covers everything you own within the apartment, unless is it expressly excluded in the policy. From small appliances to clothes, area rugs to wall hangings—everything that is yours. Contents coverage does not cover the appliances in the apartment if they belong to the property owner. It also does not cover furniture in apartments that came furnished. It is simply meant to give you, the renter, protection for those items you own—not from your liability to any damage that occurs to the landlord’s property.
Lesson 2: Liability
While in your apartment, any number of events could occur that cause damage to your landlord’s property. Floods, leaks, and normal wear and tear are all expected and are considered to be the landlord’s responsibility to cover financially. But what if you do something negligent that exposes your landlord to damages they otherwise would not have endured? For instance, let’s say you leave the bathtub running and it spills over and ruins your floor—and your downstairs’ neighbor’s ceiling? Or you overcook some pasta and start a fire? The damages from these events would be considered your fault and you, therefore, would be liable to pay for the damages that they cause. With renters insurance liability coverage, you have a recourse to help you pay your landlord back for these damages without reaching into your own pocket.
Lesson 3: Loss of Use
There are many events that can happen which are completely outside your control—and when you live in an apartment, there is even more opportunity for these uncontrollable events to occur. So if your apartment should become uninhabitable through no fault of your own, for instance if your landlord wants to tent the building or there is a fire that displaces you, then loss of use coverage will pay a reasonable amount for your temporary living arrangements.
Lesson 4: Medical Payments
If someone is injured in your apartment, through no fault or neglect of your landlord, then you could be found responsible for paying his or her medical bills. Medical payments coverage in a renters policy will make these payments for you so that you do not have to pay out-of-pocket.
Lesson 5: Deductibles and Limits
When you take out your renters insurance policy, you will be asked to choose a deductible and a limit for the coverages you choose. Your deductible is the amount of money that you must pay out-of-pocket before the insurance company will step in and make payments. Choosing a high deductible lessens the insurance company’s risk and will result in a less expensive policy, but it will also mean that you have more financial responsibility when things go wrong.
Your limits are the maximum amounts that your renters insurance policy will pay for each type of claim. If your limits are low, it will result in a less expensive policy since the insurance company will be guaranteeing smaller payments for insurable events, but it could also mean that you don’t get reimbursed as much as you should when things go wrong, or that you have more personal liability if your limits are lower than you are found to owe for medical payments or damage to the property.
You take your life seriously. You get up for work every day, pay your bills—heck, sometimes you even force down a vegetable at meal time. If you haven’t already, it might be time for you to take the next step in taking your life seriously and get a renters insurance policy. After all, it is one of the best ways to protect and preserve your financial future.
A surety bond is defined as a contract among at least three parties: the obligee: the party who is the recipient of an obligation. the principal: the primary party who will perform the contractual obligation. the surety: who assures the obligee that the principal can perform the task.
There are many different types of bonds. Below are examples of the types of bonds AmeriAgency writes.
Auto, boat, implement, trailer, etc.
• Certificate of title
• Motor vehicle dealer FARMERS, AGRICULTURE DEALERS AND OTHER COMMERCIAL AGRIBUSINESSES
grain, livestock, milk, poultry, etc.
• Distilled spirits/wineries
• Fuel tax
• Grain warehouse
• Packers and stockyards FINANCIAL INSTITUTIONS
• Lost securities
• Mortgage broker
• Notary public INSURANCE AGENTS
• Mortgage broker dealer
• Notary public
• Vehicle title agent NURSING HOMES
• Employee dishonesty
• Resident fund/trust accounts PROFESSIONAL OFFICES AND NON-PROFIT ORGANIZATIONS
• Employee dishonesty
• ERISA PUBLIC EMPLOYEES
Board members, clerks,
sheriffs, treasurers, etc.
• Notary public
• Public official
You are a responsible individual and have car and home insurance that should cover most unexpected circumstances. You have your independent insurance agent review your policies every year because you want to make sure your insurance would cover the costs of an incident.
But, what about the unusual circumstances? Let’s talk about that teenager down the road that got a new sports car. The teenager is a responsible driver, so you aren’t too worried. But perhaps it’s an icy day and you’re pulling out of your driveway and slide down the street a few yards just as that teenager with the new sports car is coming down the street. You hit that gorgeous new car sending it sliding into another car parked on the street, which slides and hits another car, which slides and hits a house.
All you can hear is dollar signs as you look at the damage. Will your car insurance cover all this damage? It might if your coverage limits are high enough. But if they aren’t, then your savings account could be drained by these costs.
Don’t panic! There is a way to protect yourself from these types of extreme circumstances. If you have an umbrella insurance policy, it can cover you above and beyond what your home and car insurance will pay. So, if your insurance covers you for $500,000 per accident and the damage to that gorgeous new car and the other cars and house exceeds that limitation, your umbrella insurance policy kicks in to help pay the rest.
For a reasonable fee each month, you can have an umbrella insurance policy that helps cover you for one million or even more beyond what your house and car insurance will cover. We know unusual circumstances rarely happen, but why gamble with your bank account? Get an umbrella insurance policy and protect your hard-earned money.