Plunging into the icy cold water of a lake in the middle of nowhere may not be appealing to everyone. However, wild swimming is currently enjoying something of a boom around the world. In the UK alone, more than 7.5 million people are recognizing the therapeutic benefits of taking to open water and outdoor pools. Never one to miss a trend, several celebrities are also enjoying the benefits of an icy dip. Some famous names, including fashion and beauty product designer Victoria Beckham, have gone to great lengths to boost their health and fitness regime by building their very own lake so they can take up wild swimming privately in their back yards.

Benefits Of Wild Swimming

Immersing yourself in cold water has some distinct health benefits, as a growing number of health influencers, celebrities, athletes and trainers will happily confirm. Some people choose to go wild swimming as a form of cold water therapy. Immersing your body in a large amount of very cold water increases the number of white blood cells in your body, helps to stimulate the lymphatic system, and boosts circulation. This makes it a popular form of therapy for people recovering from an injury. However, for many people, it simply helps them to clear their mind, lower their stress levels, and improve their mental health.

How To Swim Wild And Stay Safe

For wild swimmers who also like to travel, there are lots of great places for wild swimming around the world. However, even for the most experienced swimmer, wild swimming poses its own unique dangers. The risk of drowning is far greater with wild swimming, although it largely depends on where you take your dip. Before you dive in, it’s important that you check out the area first. Warm shallow lakes and river pools are similar to outdoor swimming pools as the water remains still. Moving water with strong currents and tides, however, is where the risk of wild swimming increases, especially if you aren’t a strong swimmer. Check for obstructions such as rocks and fallen trees that could trap you, and if there are weeds, do what you can to avoid them.

Famous Wild Swimmers

Famous names such as Nicole Kidman, Julia Roberts, and Brad Pitt are already known to be keen swimmers. In fact, before he became a Hollywood star, Brad Pitt was on his school’s competitive swim team. But a brave selection of celebrities has already taken the plunge and taken up wild swimming – in their own gardens. Victoria and David Beckham won a planning war with their neighbors to create a 3,000 square meter lake at their $8 million Cotswolds home in the UK for outdoor swimming. Meanwhile, singer Ed Sheeran installed a nature pond at his $5 million estate, along with a jetty for him to dive off.

Wild swimming is really starting to make waves as people look for new ways to keep their minds and body healthy. You need only look to celebrity culture to see its growing popularity.

Can You Win Free Money with Online Casino Bonuses?

The online casino industry is one that has been growing exponentially over the past decade. More and more people are taking their money from in-person casinos and to the online versions. With that said, many people are still unsure of how to navigate the new online landscape. Online casinos can be just as profitable if not more as their land-based brethren, but you need to implement different strategies – including making use of bonuses.

While the online casino industry is still relatively new, there are hundreds of vendors out there, but consumers need to separate the good from the bad. One of the best ways to figure out which sites stand out from the rest is to find the options with great bonuses. Almost all online casinos will have welcome bonuses for new players, but not all of them will be high quality. So, you need to do what you can to find the ones with high-quality welcome bonuses with low wagering requirements.

Can You Make Money at Online Casinos with Bonuses?

That is a question that many people ask themselves before they start to play with money online. It is certainly possible to win money with bonuses at online casinos, but some will give you better chances than others. Inexperienced players will look at a bonus and see how much money it gives them or how many spins they are provided with and judge it purely based on that, but there is more to bonuses than their base value. Bonuses have wagering requirements, withdrawal caps, and game restrictions that you need to worry about. Which conditions a bonus has attached to it will significantly affect how likely it is that you will make a profit.

So, can you make money at online casinos with bonuses? Yes, it is certainly possible, but it is not a good idea to start playing with the idea that you are going to make money. Instead, you should be playing for fun and any money you make will just be a bonus. Only play with money you will be prepared to lose and there will be no pressure to win.

Types of Free Bonuses

When you start to look around for a new online casino to play at, you will realize that there are a few major types of bonuses that are given out to players. Some are better than others, but they all have their pros.

Standard No Deposit Bonuses – Standard no deposit bonuses are, as you would expect, the most common type of bonus. With one of these bonuses, you will be given a set amount of money when you open your account. These bonuses are also sometimes referred to as welcome bonuses, and they are intended to encourage new players to join an online casino. These bonuses are used by top online casinos from all over the world to bring in new players. Unfortunately, these bonuses will usually come with wagering requirements that will prevent you from immediately withdrawing your winnings, but that’s to be expected.

Free Spins – Free spins are also very popular in the online community, especially among players that exclusively play the slots. Players are provided with a set number of spins that they can use for free. Each spin is usually worth around $0.10. So, when looking at the wagering requirements, you can figure out how much you will need to wager from that.

Cashable Bonuses – Cashable bonuses are always popular among players because they let you win real money. However, like with the other bonuses, you can expect there to be wagering requirements attached to them. Additionally, it is common for these types of bonuses to have a cap on winnings. So, even if you reach the cap you will not be able to make use of the rest of your bonus.

Non-Cashable Bonuses – Finally, non-cashable bonuses are the least popular bonuses among players. That is because they do not allow players to take home real money. However, that does not mean that they do not have any value. Non-cashable bonuses let players play games for free, and as a result, players are able to get experience and get comfortable with these games. So, when they are using their own money on these games they will have a better chance of having success.

How to Play and Deal with Wagering Requirements

We have mentioned wagering requirements a few times now, but if you are a new player you might not be familiar with them, and you need to understand them if you want to win big. Wagering requirements are restrictions put in place by online casinos to prevent players from withdrawing their winnings without depositing any money. They force players to make a certain number of bets before they are eligible to make withdrawals. For example, you might receive a bonus with a $10 value, but it has 30 times wagering requirements attached to it. This would mean that you would need to deposit an additional $300 before you would be eligible to withdraw any winnings you received from your bonus. On the other hand, there are many casinos that offer “no wagering requirement bonuses”. But, such bonuses are low in demand from the players.

As you can see, wagering requirements make it much more difficult for players to make a profit. However, they do not make it impossible. Instead, they force players to alter their strategies to give themselves the best chance of being profitable. To implement the best strategy, you will need to know what RTP is. RTP stands for “return to player percentage,” and it refers to the percentage of the time that players make back their money or better on a bet. There are games with RTPs of 97 percent and higher. You can reliably break even in those games, but they do not have large payouts because of the high winning percentages. As a result, you need to play more volatile games if you want to make a big profit.

Generally, you should stick to high RTP games when you are playing with your personal funds. However, when you are using a bonus you can get a little risky by playing low RTP games. You will not have a great chance of winning, but there is no risk to losing, so it is a great time to give it a try. Despite there being a low chance of winning, you still need to know what to do if you win. Many players will be tempted to try to double their winnings after hitting the jackpot, but this is a losing strategy. Instead, you should immediately switch back to high RTP games. You can meet the wagering requirements while playing these games, and you will not risk losing the money you already won.

What Are Game Contributions?

Another thing you need to look out for are game contributions. Game contributions refer to the amount of your bet that are used towards completing your wagering requirements. Most new players would expect their entire bet to contribute to the wagering requirements, but this is not always the case. There are games that only contribute 50 percent, and some that contribute even less. As a result, you need to see how much a game contributes before you start to play. Otherwise, you might be forced to bet even more money before you can make withdrawals.

Keep in mind that if you are playing games that only contribute 50 percent of your bet towards the wagering requirements you will need to wager twice as much as you expected. So, always check game contributions before you start playing.

Keep an Eye Out for Withdrawal Caps

The final thing you need to look out for in bonuses is a withdrawal cap. Withdrawal caps put a ceiling on the amount of money you can win with a bonus. So, if there is a withdrawal cap of $150, you will need to cash out once you hit that number. Once you have won that amount of money, you will not be able to withdraw any more money. So, the rest of your bonus will be void. This is obviously not ideal, so you should look for bonuses without withdrawal caps if you can. Also try to avoid any slots with huge jackpots as the chances are that you won’t be able to receive your winnings which really wouldn’t be fun.

The online casino industry is one that is growing at a tremendous rate. There are hundreds of online casinos to choose from, and almost all of them have bonuses to try to entice players to join them. Since there are so many casinos and bonuses, you need to know what things to look out for. Look for bonuses with low wagering requirements and without withdrawal caps. Then when you are playing be smart about which games you play. By doing these things, you will be giving yourself the best chance to win some free money.

For the fourth year in a row, driver shortage in the trucking industry is a glaring problem that has been identified by the American Transportation Research Institute (ATRI). As a direct consequence, the capacity of the freight market has been constricted this year, not because equipment is lacking, but because of the shortage of qualified drivers. The trucking industry had around 60,000 fewer drivers available to haul loads in 2018. Factors accounting for the scarcity include increased unemployment benefits due to global events, failed drugs tests, and closure of truck schools. 

Supply Capacity Can Boost Salaries

Paul Kroes, market insights leader for Thermo King, says that a 10% contract rate increase could be the norm due to the lack of drivers. He says, “The driver shortage is driving the current environment.” During a presentation of the 2021 transportation market outlook, Kroes showed a chart that indicated the equipment utilization rates for haulers, which typically floats at around 90%. He said that according to the charts, there are “not nearly enough drivers to do the work and the driver shortage will be the driving factor for the foreseeable future.”

Unwarranted Lawsuits

Another factor affecting the trucking industry is the burden imposed by lawsuits. Randy Guillot, chairman of the ATRI and Chief Executive Officer (CEO) of Southeastern Motor Freight and Triple G Express Inc said, “For a number of reasons, 2020 has been a tremendously challenging one for our industry and our country, but as ATRI’s survey lays out, there are a number of issues we must address in addition to the ones put in front of us by this pandemic. From finding and keeping qualified drivers to the increased costs of insurance and burdens imposed on our industry by unwarranted lawsuits, ATRI has identified the issues our industry cares most about and outlines plans for how we can solve them.”

In 2018, an estimated 11% of all motor vehicle crash fatalities involved large trucks. Deaths occurred because of the vulnerability of people traveling in smaller vehicles. Other reasons behind accidents include poor braking capability and driver fatigue. When accidents occur, it is important to know the rights of truck drivers and passengers and read more to learn about motor mishaps and how to deal with them. At any rate, large legal verdicts or ‘nuclear verdicts’ involving sums of over $10 million can have serious negative effects, such as closure of motor carriers due to rising insurance premiums and medical costs. Clearly, “These nuclear verdicts are strangling our industry,” said Chris Spear, President of the American Trucking Associations. He is pushing for a tort reform on truck crash lawsuits.

Rise Of Independent Contractors

It’s not only motor carriers closing due to huge payouts awarded to plaintiffs that’s causing a problem in the industry: many drivers have also left large fleets to pursue higher-paying loads as independent contractors. Kroes of Thermo King said, “In the third quarter of 2020, we had the highest number of net new for-hire carriers ever formed.” Unfortunately, since they were mostly small or single operators, their numbers did not contribute to the capacity of the market.

The trucking industry has been faced with several problems this year, including the high costs of litigation, increasing number of independent contractors, and driver shortage, which is likely to continue in 2021. On the bright side, freight volumes and contract rates will rise, and more qualified drivers will be recruited as soon as commercial driver’s license (CDL) training schools reopen.

In an event wherein people are being involved in accidents and they need to have proper compensation from insurers, the best way to bill their car insurance providers is through filing a car insurance claim. For some people, buy now pay later car insurance will just rip off their budget. Its monthly payments are considered as a financial burden, but once they experience being involved in mishaps; they will be able to see the advantages of having enough car insurance coverage.

Purchasing car insurance policies and filing car insurance claims are sometimes confusing and can be very daunting, but it can be as easy as it can be. Luckily, there are some car insurance companies who give high quality car insurance services by making the filing of car insurance claims simple and easy and they also give updates regarding its progress.

Different Coverage for Different Needs 

There are various types of auto insurance coverage intended for a variety of situations like in cases of fire, vandalism, typhoons or if the car has been stolen. Thus, it means that there is different coverage for different needs. There is a wide range of car insurance coverage that people can add on their respective car insurance policies.

The standard car insurance coverage that most companies require people to have is the liability insurance. Liability insurance will take care of the costs of bodily injuries as well as the damages of the car of the other party in an accident wherein the insured car owner is at fault. This won’t cover the damages done to the insurance policyholder and his/her car. Therefore, it will be the policyholder who will take care of his/her medical expenses as well as the repairs for the car.

In that case, there is a need for car owners to avail collision type of car insurance coverage. This will cover the damages of the car and bodily injuries of the policyholder. Comprehensive coverage on the other hand will cover the damages of the policyholder’s car caused by natural calamities such as hail storms, floods or hurricanes.

Therefore, it is important for policy owners to review what is included on their car insurance policies in order for them to make sure that they’ll be doing the proper filing of car insurance claim.

Traders Car Insurance Information

If ever insured car owners will be involved in mishaps, the first step that they have to take is to contact the police so that they would be able to document and investigate what happened. Traders auto insurance information to the other party involved. Policyholders should never admit that it is their fault.

The police are already documenting the happenings, it is crucial for policy owners to have their own documentation, preferably while still at the scene. It is highly suggested that insured car owners should take pictures of the damages done to their car. It is also a clever idea if the policy owners will go to a nearby hospital and have themselves check. After those steps, they can already call their insurers and notify them about the incident.

Through these, car owners can be confident that they’ll be able to properly bill their car insurance providers.

What Are Private Car Insurance Companies?

Private car insurance companies are insurance agencies that insure non commercial type of cars, driven by private people. The competition between private car insurance companies is very tough. This industry is one of the most competitive and one of the leading industries. What makes private car insurance companies brilliant is that they can always offer great deals and discounts.

Before the birth of the World Wide Web, people have fewer opportunities to easily compare quotes of private car insurance agencies without personally going to their offices. The tendency is that people have to visit each and every company or make multiple phone calls just to get their quotes. Before getting what, they need, people have to suffer understanding the sales dialogues of the representatives, explaining what they exactly need and giving out of information for a couple of times.

Comparison Quotes

Now, there are a lot of changes with regards to the run around in the world of private car insurance industry. Information about private car insurance can now be easily accessed. Just like in traditional car insurance companies, there are a lot of websites that offer comparison of quotes of private car insurance agencies. People with non commercial cars, who want to avoid the hassle of paying high-priced private car insurance policies, find comparison websites as a clever choice when looking for cheap quotes.

There are some people who believe that the deals being given by private car insurance agencies are non-negotiable. This is absolutely false. Private auto insurance agencies have so much to give. As part of their strategy, they first hide their best insurance deals and they apply selective discounting, a privilege enjoyed only by those who have pertinent background about the private auto insurance world. To succeed in the private car insurance world, initially check information from private auto insurance agency websites before getting any information from any insurance company.

Car Insurance Is a Competitive Insurance

Some people think that once you had low-priced private car insurance policy, they can always enjoy those cheap prices. This belief is a total fallacy. Remember that since private car insurance is a very competitive industry, companies will always find a way to steal the spotlight from other companies by simply giving cheap introductory prices. By just the word ‘introductory’, you’ll be able to realize that cheap values are only applied in the first part of the agreement and not for the succeeding parts.

In this case, owners of non-commercial types of cars, have the liberty to switch into another company if they think their current private car insurance company can’t provide the services, especially the discounts that they need all throughout the duration of the contract.

Comparison websites should give you a full view of every company’s policy information, so that you won’t be stock on a specific private car insurance policy that doesn’t give you enough coverage. These sites can also help you ascertain whether you can still negotiate to have discounts or if the coverage that a company offers is worth negotiating for.

With the simple information above, one can make sure to have appropriate deals with the best private car insurance companies in the market.

Proven Tips to Get the Cheapest Auto Insurance for Women

Although women are given the special attributes to get car insurance free first month, there are still factors that may hinder women to lower down expenses on auto insurance. One reason is the discrimination that men earn money more than women. In spite of being a safe driver, the femininity of the women can cause them to spend more. But there are helpful ways for you to obtain the cheapest auto insurance. Below is the list.

• Maintain a good credit history. If the insurer knows that you do everything you can to avoid receiving claims, then they glad to grant you discounts.
• Abide by the rules implied by the insurer especially if they only want you to be safe.
• Use a user-friendly car. Maintain your car always in good condition. If you see wear and tear on it, immediately repair the damages.

Pay Regular Premiums and Don’t Be Late

It may be hard for women to find the cheapest auto insurance, but simply by adhering to the policies of the insurer, you can obtain the cheapest auto insurance in no time.