Risks & Rewards Of The Best Commercial Truck Insurance

Risks & Rewards Of The Best Commercial Truck Insurance

Higher risk is associated with the possibility of higher reward.

Much of history was written by those who dared to take risks.

Unfortunately, we live in a world where seemingly capable but ultimately dishonest people leverage the promise of greatness to defraud investors and manipulate the general public.

As the founder of Theranos, once valued at nine billion dollars, Elizabeth Holmes was named by Forbes as the youngest and richest self-made female billionaire in the United States. The following year, Fortune named her in their article, “The World’s 19 Most Disappointing Leaders.” In response to a bombshell report that the lab results of her blood testing invention were falsified, her now infamous words were, “This is what happens when you work to change things, first they think you’re crazy, then they fight you, and then all of a sudden you change the world.” Holmes was sentenced to jail for 11 years on charges of fraud. 

As a graduate of the Massachusetts Institute of Technology and the son of two well-respected Stanford Law Professors, Sam Bankman-Fried had a fall from grace that also made headlines. Bankruptcy had been declared after it was revealed that the former director of an altruistic center had transferred billions of customer funds from his FTX trading platform towards exotic, high-risk investments at his quantitative trading firm Alameda Research—all without disclosure. He had apparently been all too comfortable with risk, mishandling funds without ethical discretion. 

Nasdaq-traded and San Diego-based autonomous truck startup TuSimple lost nearly half of its valuation after an investigation revealed that its CEO may have breached fiduciary duties for their involvement in transferring financial and technical information to a Chinese startup. The news is shocking in an industry that is rife with challenges in the era of COVID and labor tensions.

The American economy relies on trucking. Trucking is a risky business—so much so that the United States Federal Motor Carrier Safety Administration requires that fleets meet insurance requirements in order to operate. Risks of bodily injury and property damage are inherent and must be mitigated to insure or compensate parties in the event that losses occur. Commercial trucking fleets require specialty insurance, which can be found here. Without specific legal documentation and comprehensive insurance coverage, owners and operators are vulnerable to the risk of financial loss that has the potential to severely compromise the viability of the business.

“In addition to filing an application for operating authority, all applicants for motor carrier, freight forwarder, and broker authorities must have specific insurance and legal process agent documents on file before the FMCSA will issue the authorities.”

— United States Federal Motor Carrier Safety Administration
Free A Paper beside a Person Typing on a Laptop Stock Photo

Only the future can tell what comes of today’s risk-takers. For those who take risks, it is important to remember that taking shortcuts to success may offer more immediate fame, power, and money, but rarely without ramifications. Without ethics and risk management, leaders put their businesses in danger of not only destroying their reputations but also the lives of all stakeholders involved. 

Settle Down And Upgrade

Settle Down And Upgrade

The price of real estate continues to rise across the United States and is likely to continue, especially not in California. Real estate markets have become so prolific that Netflix’s award-winning hit show “Selling Sunset”, based in Los Angeles, now has spinoffs in Tampa and Orange County.

The median price of a San Diego home costs $905,000, which requires an approximate household annual income of $166,828. To make San Diego real estate more affordable, president-elect of the San Diego Association of Realtors Frank Powell says “Build, build, build. If we want to solve this cause, as long as there’s no supply and increased demand, like any other product on the market, it’s going to continuously go up.”

San Diego is the third most expensive city when it comes to purchasing a home.

— Source: Visual Capilalist

However, the market may now be leveling out, with home sales slowing down ever so slightly. Ben Graboske, president of Black Knight Data & Analytics says that “25% of major U.S. markets saw growth slow by three percentage points in June, with four decelerating by four or more points in that month alone.” That said, the gap between housing prices and the ability to finance represents “a national shortage of more than 700,000 listings” that could take more than a year to normalize.

Exorbitant house prices aside, it’s hard not to fall in love with the weather and culture of San Diego. Moreover, those who own a home in San Diego may find it hard to justify relocating at this particular time in the market. Some homeowners are enticed by the opportunity to sell their homes, a high-value asset in an eager market, in order to earn capital gains that could be then used to purchase a home in a less expensive area. Others might feel locked in—moving in and of itself can be expensive, and moreover, now might be a time to hold rather than sell a high-value asset that isn’t expected to diminish in value anytime soon.

With so much appreciation for their existing homes and so little desire to leave the nest, many have upgraded their homes and had their backyards transformed by San Diego Landscape Designers. Founded by one of San Diego’s very own, Torrey Pines Landscaping designs and builds stunning gardens, patios, water features, fire features, outdoor kitchens, driveways, entryways, patio covers, planters, and more.

Read Christine B.‘s review of Torrey Pines Landscape Company on Yelp

Many people no longer see their home as a place just for sleeping, eating, and relaxing. Homeowners desire more functionality than ever from their homes, like home office space to replace or supplement a traditional 9-5 office, or outdoor living and dining space to host friends and family get-togethers to replace public dining and entertainment.

There is no better time and place to start a landscaping project than right now. You can give Torrey Pines Landscape Company a call today.

Torrey Pines Landscape Company
5560 Eastgate Mall, San Diego, CA 92121, United States

Synthetic Solutions To Real Problems

Synthetic Solutions To Real Problems

Completely Automated Public Turing test to tell Computers and Humans Apart (CAPTCHA) is a program that is commonly known to be used to verify that you are indeed human and not a robot while accessing a website. 

“Click all the squares that contain traffic lights.”

The application has a bit of a backstory. From 2011, reCAPTCHA was used to digitize millions of New York Times articles that dated as far as 1851. Typing tests asked users to prove their humanity by recognizing obscured or warped text and correctly identifying a string combination of numbers and upper and lower case letters. Optical character recognition programs became more sophisticated, aided by humans answering these CAPTCHA tests. Visual tests followed, requiring that users identify certain objects within a picture split into several squares.

CAPTCHA tests were once as easy as one-click to check off a box. Today, CAPTCHA tests have become a little more rigorous—and a little bit more tedious.

Exactly what is CAPTCHA trying to do?

CAPTCHA tests are mostly used for security, but they’re also used to improve artificial intelligence. The program tests the same content on users around the world and aggregates responses to determine accuracy. This then helps train Google’s artificial intelligence, which is used to improve applications like Google Maps and Google Images.

“In 2014, Google pitted one of its machine learning algorithms against humans in solving the most distorted text CAPTCHAs: the computer got the test right 99.8 percent of the time, while the humans got a mere 33 percent.”

— “WHY CAPTCHAS HAVE GOTTEN SO DIFFICULT“, Verge

It’s no surprise that one of the inventors of CAPTCHA is passionate about education and technology. His inventions have not only taught robots and humans alike. Luis von Ahn is the co-founder of CAPTCHA as well as the popular language-learning application Duolingo. He is the recipient of the prestigious 2018 Lemelson-MIT prize, which awards those whose inventions have significantly improved society.

There is another invention that involves artificiality imitating reality to significantly improve society. Specifically, it has improved the lives of countless homeowners. It saves people the time, money, and hassle of mowing, watering, and treating their lawns. 

Artificial turf is a miracle for those who want everything about a beautiful green lawn without any of the hangups of real lawn maintenance. It may not be real grass, but artificial turf is about as close to having a real lawn maintained by AI robot gardeners. That said, we’re unlikely to see robots doing our gardening any time soon. 

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Synthetic grass not only allows homeowners to be more carefree, but it is also more durable, meaning that it can withstand wear and tear and the elements. Moreover, your lawn will look picture-perfect year-round, which is nearly impossible in many parts of the country. 

There is no shame in fixing a real problem with a synthetic solution. If it makes your life easier, then you deserve to replace your lawn with artificial grass. After all, all revolutionary inventions were borne out of an all-too-common situation that had to be improved. 

Protect Your Home Like Rocky

Protect Your Home Like Rocky

It is uncomfortable to think about the dangers of everyday life. Accidents and tragedies are reported on the news daily. True crime documentaries and podcasts are soaring in viewership and listenership. And it is just because humans love to indulge in our morbid curiosities. In fact, no matter your luck, anything can happen to anyone—and it could happen to you. 

The world ain’t all sunshine and rainbows. It’s a very mean and nasty place and I don’t care how tough you are. It will beat you to your knees and keep you there permanently if you let it. You, me, or nobody is gonna hit as hard as life.

— Rocky Balboa

How can you protect yourself from the dangers of our world? 

Virtual Private Network 

A virtual private network (VPN) encrypts your internet usage data and passes it through a remote server, obscuring your location and identity. It is highly recommended to use a VPN when you are using a public intent connection or whenever you are connected to a network you cannot trust. Beware that VPNs do not serve as malware and they do not directly prevent hacking. But there are many benefits to using a VPN, including being able to set your remote server to a location that is different from where you are based. Although not recommended, many people use VPNs to stream shows and movies that are blocked in their home country.

Two-Factor Authentication

Private accounts with sensitive information are constantly being hacked. And yet, the irony is that most people don’t bother to secure their apps and sites with strong passwords. One of the most common passwords of hacked accounts is:

password

People are lazy with their passwords even though do care about securing their data—it’s just that secure passwords are hard to remember. After all, most people have a hard enough time remembering birthdays or even basic facts about their week.

Two-factor authentication provides an additional layer of security by requiring verification by the user even after the correct password has been entered at login. This means that even if the wrong person correctly manages to guess your password, two-factor authentication will require further verification such as entering a one-time code from an authentication app or a text message from your phone.

Pest Control

If you haven’t looked away from this article yet, bravo for being brave!

Unfortunately, hackers and thieves aren’t the only people trying to make unwelcome entrances into private spaces. 

One of the most problematic and common pests in America is termites, which cause billions of dollars worth of damage annually. Though small and seemingly harmless at first glance, termites will potentially eat anything that is wood or wood-based in your home at an alarmingly fast rate. If you have a termite infestation, we highly recommend calling a professional immediately for termite tenting and control.

Free Modern bedroom interior with mirror and carpet on floor Stock Photo

Delaying professional termite control or attempting at-home remedies will allow the infestation to persist, which can lead to costly structural damage and health hazards. We recommend the seeking the help of Grand Oaks Termite & Pest Control Inc. You can give them a call today:

Grand Oaks Termite & Pest Control Inc
110 S Worthy Dr Glendora, CA 91741

Create A Mini-Golf Course At Home With Synthetic Turf

Create A Mini-Golf Course At Home With Synthetic Turf

Are you one of the many who want to hit the golf course these days? There are many health benefits to outdoor physical activity. Did you know that playing golf lowers stress and improves your mental health? It can also ward off physical ailments such as heart disease and Alzheimer’s.

Undoubtedly, golf is an activity you should be participating in regularly. That’s why creating a mini-golf course in your backyard is a beautiful idea that you will not regret doing.

But how do you achieve that? It turns out that it is very simple with the help of synthetic grass.

The benefits of synthetic grass

Can you create a mini-golf course with synthetic turf? Yes, you can. Synthetic grass completely elevates the landscape, among many other time-saving and cost-saving benefits. The artificial turf-covered golf courses don’t need irrigation. In an era where homeowners are becoming more and more environmentally conscious, artificial grass has become a popular choice for its eco-friendly nature.

Green Grass Field

For some busy homeowners, natural grass simply requires too much money and time to maintain. It can be frustrating to see how it takes no time for weeds to grow and regrow on a freshly manicured lawn, destroying the overall aesthetic of your backyard. However, homeowners don’t need to think about the weeds with synthetic turf. While natural grass requires maintenance year-round, synthetic putting greens in Lake Forest can be used in all four seasons, as it is able to withstand snow, sun, and rain. Synthetic turf has a significant lifespan. Thanks to the fibers forming its structure, artificial grass provides a durable surface to play golf on a natural-looking green field. It’s worth mentioning that artificial turn doesn’t retain water on the surface. Hence, the holding capability of the ground increases and lowers any injuries. Golf is always played with a golf club, which can cause a natural grass golf course to be deformed over time. That said, the good thing about synthetic grass is that it hardly ever looks worn. Designed for professional sports and various other use cases, modern turf allows people to enjoy the outdoors with more comfort and beauty.

Synthetic grass can be installed in one day by experts, allowing homeowners can relax. You run no risk if you take an added step by adding a weed wall cloth upon installation. Artificial turf does not attract pests as natural plants do. Moreover, they do not require watering, which can save significantly on utility costs. The ease of artificial grass lawns simply cannot be achieved with natural grass, not to mention that stunning aesthetic.

Among the many incredible things that you can do in your backyard, installing a mini-golf course is one of the best. Golfing is an outdoor activity that can keep your family healthy in a fun and light-hearted way. Anyone can spend time with friends and loved ones from the comfort of their home. If you would rather spend your summers enjoying the outdoors instead of toiling away at lawn maintenance, call NoMow Turf, Inc. today!

NoMow Turf, Inc. – Synthetic Lawns & Putting Greens
26674 Vista Terrace, Lake Forest, CA 92630, United States