Automobile or vehicles are peculiar in nature, there is need to insure them, they are usually insured against accident, against theft, or any other damage that they may incur or sustain during usage. The insurance cover guarantees or serves as an indemnity against loss of vehicle, and damage to the vehicle that can arise from or in connection with the use of vehicles, it also covers third party risks.

What is Automobile Insurance?


This is a policy whereby an insurer(the insurance company) agrees to insure any form of vehicle specified in the policy document against certain risks or damages or against their loss for the insured( the owner of the vehicle) who agrees to pay premium monthly for this service. There are so many types of vehicles, and in so many countries of the world, the government laws are usually put in place to ensure that all vehicles that are road worthy get one form of insurance cover or the other because of prevalent risks associated with them. The vehicles include private cars, commercial vehicles, tricycles, agricultural and forestry vehicles, bicycles, trucks, lorries, earth moving equipment that move on the road, etc. anything that moves on wheels and runs on the road needs to be insured against one form of vehicle insurance or the other.

Types of Auto Insurance.

There are three main covers under vehicle insurance. They are as follows: third party only insurance cover, third party fire and theft insurance, and comprehensive policy cover. We look at them one after the other.

  1. Third party only vehicle insurance- this provides statutory insurance protection, it covers the insured for death or injury to a third party arising from the use of the vehicle as well as damage to property of a third party. It covers all cost and expense as a result of injuries or damages sustained by a third party. It also covers expenses for the death of a third party, and any compensation required to settle the third party.


  1. Third party fire and theft- this aside from third party cover also provides succor in the event of loss or damage to the vehicle as a result of fire or theft. Fire can cause some damages or total loss to the vehicle, the cover guarantees that the cost of the reinstatement and replacement is taken care of. In the event of loss, the company bears part payment according to what is contained in the policy statement

3.   Comprehensive policy-this also covers third-party, fire, and theft, but in addition, covers all forms of loss or damage to the vehicle by any form of accident or collision even own damage (when one accidentally damages own vehicle). This policy covers also medical expenses, personal effects, the cost of replacement, etc. it is universal in nature. The only thing here that makes it special for it to provide this wide cover is payment of high premium. The comprehensive nature of the insurance makes it that the event of loss of vehicle, the insurer after investigation will make a good cost of replacement.


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WP Engine Review


Web hosting is a critical part of the jigsaw when creating an online presence. If you fail to choose appropriately, you could be hurting your online business in the long run. Choosing the right web hosting for your site is akin to house-hunting; all things equal, it doesn’t make any sense renting an apartment in an area with security issues, or an area where it takes so much time for visitors to get to your house.

The same applies to web hosting – web hosts must offer your site security, fast loading times and robust servers that make your hosting experience seamless. This can be especially daunting for WP blogs and site owners whose sites generate loads of traffic. One of the options available to such people is WP engine. WP engine is a web hosting service provider for WP installations and plug-ins only. In this article, I shall be reviewing WP engine – the technicalities and non-technicalities, who it is for, and what you get for what price.

The Technicalities

In my experience using WP Engine to host some websites, here some of the things I loved about WP engine:

Simple to use panel and migration: Can you remember how you felt when you first logged into your cPanel? Well, the feeling is quite the opposite with WP engine panel, if cPanel felt overwhelming, this felt a little underwhelming – and for good reasons. The idea is to remove as many hassles from you and leave you to run your business. Moving my WP site was also a breeze.

Security: Security is a serious matter for all blogs and sites; thankfully, WP engine hosting has got you covered in this regard. With a “Proprietary adaptable intrusion detection and prevention system” to handle threats such as JS/SQL injection attacks and XML-RPC attacks, WP engine keeps your site safe. Additionally, WP engine hosting uses “multiple firewalls”, “network monitoring tools”, and “blocks identified IP addresses of spammers and hackers.”

Speed: With the use of features such as CDN (content delivery network), EverCache system, and the use of a front-end layer would boost the speed of your site. My WP site loading time cut into a third of what it was. Have your images and all kinds of media on your site? Then WP engine might be perfect for you.

A staging site: WP engine hosting allows site owners to test their sites before going live. You can make changes and see how it is before publishing it for the public.

WP engine backup:  WP engine backup ensures your site is backed up daily and also offers a one-click restore point should anything go wrong.

The non-technicalities

For starters, it is only a hosting platform for WP installation and plug-ins. Asides this, if you are running a WP blog/site and you are considering migrating, consider the following factors:

WP engine pricing: WP engine pricing is relatively more expensive than your regular shared server. Cost is always a relative factor for people; however, the deciding factor should be the state of your site. If you are just starting out, then it might be wise to start with a shared hosting. If traffic to the site increases, you can easily migrate your WP sites to a more robust managed WP hosting like WP Engine. You can check out their plans and see which fits your needs.

WP engine support: I must admit that the support was a tad underwhelming in my experience, and it seems the case was similar to others as well. However, the company responded in 2015 by hiring 50% more support staff and increasing access to engineers with more technical knowledge. There is less outrage about WP engine support these days when I have asked around.

WP engine mail: WP engine hosting doesn’t offer any mail hosting. So you cannot have an email that ends with your domain name. You can offset this with hosting your own email accounts. The WP engine mail fails can actually be a drawback for some people.

Last words

Despite the relative difference between WP engine pricing and other options available, WP engine hosting has been designed to power WP sites with loads of traffic in an easy and efficient way. If you are like me that always considers price, you can get extra two months when you pay for 1 year.

Nutritional Guideline

Health Guidelines

This article is your health guideline regarding healthy eating and the risk of a poor diet. Eating properly does matter. The truth is that we have heard about it, however, getting started is the hard part. Here is the good news little changes make difference. When it comes to eating, the simplest way is by starting small, and eating well is very important because:

  • It reduces the chances of one developing diseases like diabetes, heart disease, osteoporosis, and certain cancers
  • It improves our shape, body weight, cholesterol levels, and blood pressure.
  • It ensures good oral health, bone strength, and protection against infections.
  • Provides us with more energy required for the day
  • Enables us to remain healthy and avoid health challenges because of being overweight including stress, infertility, sleep problem, and impotence.

All these are some of the benefits of eating well, but what if one has already exhibited the attitude of eating well? Keep on with it. There is every likelihood for you to make some improvement in some way. Unfortunately, most people eat three-quarter of the recommended amount of fruit and half of the required amount of vegetables daily.

What are the risks of a poor diet and being overweight?

What you eat is about being healthy. It begins by choosing the right food. It is vital for you to enjoy the food you eat and at times, it will not cost you much to eat in a healthy way. There is a connection between the amount of energy used up from the food you consume and your level of physical exercise. Eating more gives you more opportunity of using the additional energy stored in the body as fat. This signifies that the chance of being overweight is high and this, in turn, will increase your risk of disability and other diseases. This health guideline is what you need if you want to avoid the risk poor diet pose to you and your family

The risk to yourself: This may lead to high blood pressure, joint pain, constipation, coronary heart disease, non-insulin dependent diabetes, and being out of breath. This risk multiplies if you drink alcohol, smoke, eat animal fat, and take little exercise.

The risks to your family: Poor life expectancy, development of bad eating habits, and coronary heart disease.

Now, this is the best part of this health guideline in relation to your eating that I love. You must understand the ingredients that make up the diet you eat.

Meat, Fish, and Pulses

The consumption of excess animal fat is the primary cause of ill health. Most of us, our body needs little animal fat; nevertheless, we eat too much. Have you heard about saturated fats? Perhaps you have. They can be found in the meat of pigs, cows, sheep, and products that have their fat and meat in them, such as beef burgers, meat pies, and sausages. The excess consumption of this saturated fat can cause coronary heart disease and overweight. On the other hand, unsaturated fats can be found in duck, chicken, oily fish, eggs, lentils, and beans and foods made from these items.

Milk and Dairy Produce

Yogurt, cheese, and milk are good sources of vitamins, protein, and minerals; however, they have high animal fat in them. It is important to eat dairy produce and milk if you want to achieve a healthy lifestyle. Skimmed or semi-skimmed milk will be a perfect option for adults because it has less fat.


Potatoes, Rice, Bread, and Cereals

These starch foods do not make you get fat unless you serve or cook them with fat. The reality is that these foods provide you with the energy you require to perform the activities of the day. Additionally, they are a good source of vitamins, protein, and minerals. They should be included as part of our main meals and more preferably every meal. If it is possible, you can eat whole grain varieties because of their high content of fiber. These fibers help in preventing constipation and other disorders of the bowel. Potatoes are a good source of vitamin C and help in the prevention of anemia if eaten with foods containing iron. So consume more of bread, potatoes, rice, and cereal every day.

Vegetables and Fruit

The main source of vitamins and minerals in our diet are vegetables. Most people don’t consume the required quantity of vegetables. Vegetables that are locally produced are very cheap, so you don’t have any excuse. Besides vegetables, fruits are very good as they are a good source of vitamins and minerals. Eat a minimum of five portions of fruits daily.

Alternative Medicine for Fitness

More and more people are becoming aware of the side effects posed by the use of traditional allopathic medicines with their ineffectiveness in curing some common disorders. Nevertheless, slowly attention is shifting gradually towards alternative medicine, which does not just cure all ailments but do not pose severe side effects.

What Is Alternative Medicine?

This refers to healing practices, which are not the same as those used in conventional medicine. According to the name, they are alternatives to the orthodox medicine for the treatment of ailments and other diseases. Most of these alternative medicines rely on a general health rather than a singular treatment of an ailment. Because of this, the aim of alternative medicine is to make the body and mind more resistant to diseases and stronger rather than the provision of popular cures like orthodox medicines.

Types of Alternative Medicine Systems

alternative 1

An alternative system has to be divided into certain types, however, this categorization isn’t fixed and concrete, since most procedures follow techniques, use by more than one type. The most common alternative medicine are healing systems, mind-body connections, energy therapies, manipulation and touch, herbal remedies, and dietary supplements. These alternative methods incorporate as follows:

Mind-Body Connections: Practitioners of alternative medicine have the belief that the body and mind have to be harmonized with each other for an individual to remain healthy. Because of this theory, most methods used by alternative medicine make use of techniques that build up the mind and body connection. Some of them fall under the following category.

  • Yoga
  • prayer
  • Meditation
  • hypnosis
  • Biofeedback
  • Art therapy
  • Relaxation therapy

Healing Systems: This is actually an alternative to orthodox medicine because they incorporate different techniques and practices. The healing system has methods such as Ayurveda and traditional Chinese medicine, which dates back to thousands of years before the development of conventional medicine. The healing system of the body is founded on the philosophy that the human acts like a storehouse of energy to cure all the ailments.

Naturopathy: The attention of naturopathy is on treatment based on nature and that aids in the healing of the body by itself. The most common method, which naturopathy incorporates is as follows: massage, yoga, meditation, acupressure, aromatherapy, and herbal remedies.

Ayurveda: This is a botanical medicine, which is as complex as conventional medicine. This alternative medicine began more than 5000 years ago and is still flourishing because of the effectiveness of the cure. In nature, it is holistic and relies on the provision of individual cures to different individuals based on the disorder being suffered by the person. Few of the methods that make use of the alternative methods include meditation, yoga, herbal medicines (botanical medicine), and massage.

Homeopathy: This is a system that has been tested over time and makes use of small doses of some can of substance, which arouses the body into curing itself.

Manipulation and Touch: This makes use of human touch in moving or manipulating some nerves, muscles, or parts of the body such as osteopathy, massage, acupressure, chiropractic, spinal manipulation, and craniosacral Therapy

Energy Therapies: Most alternative medicine methods are based on the theory that in the body there is a constant flow of energy via the body. According to this theory, the blockage of this energy to some area of the body can result to poor health or sickness. The aim of energy therapies is based on the restoration of good health by balancing or unlocking the energy through different procedures. The methods that fall under this category include polarity therapy, magnet therapy, touch therapy, acupuncture, and reiki.

Dietary Supplements and Herbal Remedies: The most comprises of ingredients, which could be herbal or natural, and are used over conventional medicines either as holistic therapy or as a cure. These remedies could include lemon grass, chamomile, gingko, ginseng, selenium, and bentonite clay. These are all botanical medicine. In most situations, these supplement and herbal medicines are secure; however, the notion that there aren’t any side effects when using these herbal medicines and supplements is false. Most of the natural and herb medicines have their own side effects, but if you compare it with conventional medicine side effects, these are generally few.