Moving? Don’t Get Snarled in Texas Traffic!

Many people like to wait for a weekday, if they can, to move from one home or office to another, or to move items into or out of a Texas self storage unit. Self storage facilities and moving companies alike tend to be less busy on weekdays than they are on weekends. Be careful, though — do not make plans to move on a weekday to save yourself time, only to wind up getting snarled in rush hour or construction traffic.

To find up-to-the-minute information about construction-related traffic delays and rush hour traffic flow, try checking the city traffic website for the city you are moving into and the city you are moving out of. Most traffic websites include a list of recent traffic incidents and road closures, a construction report, and reports on the average speed at which highways are moving. Many also show the route maps and locations of transit centers and “park and ride” centers, which can be very useful if you are taking a bus to your local moving company before renting a moving truck.

Many traffic sites also are accessible via mobile phone.

Here are some of the most commonly used traffic and construction links to get you started:

– If you live near Houston, San Antonio, or El Paso, you can get your traffic information from a “smart highway” or Intelligent Transportation Site, which uses highway cameras to provide information about current travel times, lane closures, and traffic incidents. These sites also offer emergency information. In addition, Houston Transtar also has links to the Houston/Galveston Area National Weather Service and the National Hurricane Center, in case you are moving during the Atlantic hurricane season. The “Hurricane Information and Links” page even includes evacuation route maps. San Antonio’s TransGuide includes links to roadside assistance and the phone number for the Stranded Motorist Hotline. El Paso’s TransVista also includes a link to El Paso’s public transportation website, Sun Metro.

– DalTrans. The Dallas/Fort Worth traffic site is still in the beta stage, so you may have to be a little patient with it. You can discuss any problems that arise at the DFW Traffic Data Discussion Forum, a Google group. DalTrans does have close-up street maps of the downtown areas for Dallas and Fort Worth. It also has special pages set up for browsers that use KML (Keyhole Markup Language, like the files used by Google Earth), so that if you want to see DalTrans maps on your iPhone, for example, you can simply point it to the KML version of the site. You can get Arlington and Plano traffic information here too, or you can check the City of Arlington Traffic Update. Plano does not have a city traffic site, but Topix has a traffic site for Plano that includes current traffic incidents and a “jam factor” for each highway, indicating the average speed at current conditions and the level of congestion.

– Navteq Traffic.com (Austin). Austin does not yet have a dedicated city traffic site. But if you are willing to sign up for a free account, you can get the same information from Traffic.com. If you plan to make the same drive regularly, you can sign up to receive SMS or email alerts warning you when traffic will be particularly slow. If you prefer, you can view a list of traffic incidents at the Austin-Travis County Traffic Report Page. For road closures, go to Roadworks, which lists construction-related road closures, closures for special events, and county and state road closures.

– Corpus Christi’s traffic site offers little local information, but has a link to a county and state roadway database.

Good luck with your move, and — don’t get stuck in traffic.

The Canyon of Incumbrance – Young Texas And I Crawl Out of Debt

I’m not going to lie. Sure, I’ll admit it. I’ve been pushed past the point of shame, and have fallen straight into the abyss prominently named, “The Lonely Canyon Of Incumbrance.” I’m one of those people.

Yes, in my youth, I made some financial blunders and managed to sink myself into a molehill of debt. I refuse to call it a “mountain” — I refuse! It would only discourage me. But, between student loans and credit cards that got me through tough times (and a few luxurious ones), my “molehill” has added up to more than I want to mumble out loud. Let’s just say that at this point, I skim over the “account summary” section of my bills and go straight to “minimum due.”

Looking around my dark and scary abyss, though, I realize I’m in good company. Ninety-seven percent of bankruptcies declared in this country are non-business related, and millions of Americans have had to do it. Unsecured consumer debt has risen to an all-time high of $2 trillion, the highest in the world. Factor in mortgages — a type of secured debt — and we’re up to $9 trillion. Texas is plagued by debt, too. No wonder so many of us can’t afford those high premium health insurance policies. (Texas leads the nation with nearly 25% uninsured across the state – that’s 5.4 million.)

I won’t say it’s not my fault. Of course it is. Credit cards were easy; student loans were even easier. And while I worked all through college, somehow the red column in my non-existent financial ledger still added up to an atrocious figure.

Part of the problem, I truly believe, is that with credit cards so easy to get and use nowadays, our generation is forgetting how to manage money. We want what we want, and we want it now. Damnit. Credit card companies know this. They’re marketing to college students like never before, and the millions of students in Austin, Dallas, and Houston can attest to this.

After realizing I couldn’t afford health insurance and save my credit at the same time, I decided to start accumulating sound advice on financial planning, instead. After several free consultations with credit counselors, I knew there was hope. All I had to do was budget.

It sounds so terribly easy. “Of course,” you say. “I do budget.” But you may not be budgeting as well as you think. Three dollars a day on your favorite mocha frappuccino adds up to 90 bucks a month, which accumulates to about $1,000 every year. An extra $100 for that snazzy cell phone, when you could get a free one from the provider, is money you could be using to pay off a high-interest credit card. That doesn’t mean you can never have your mocha. It does mean outlining a realistic budget for it.

(1) Decipher what you really need, versus what you really want.

Everyone must have food, shelter, clothing, and, for most working individuals, some kind of transportation allowance.

Housing

In general, shelter should take about one-third of your income. With the recent rise in housing costs, this may not be realistic, but do the best you can. Be willing to take an apartment without a view for a little while. If you save a little extra on rent, you’ll be a lot closer to buying your own place in a few years.

Food

Reduce costs on food by buying non-perishables in bulk when possible (which can be done by joining a wholesale club, or special ordering products through a grocery store), sign up for membership discounts at those grocery stores (which are almost always free and painless), and use coupons! (Think of those extra three bucks as a cappuccino.) Watch for sales and stock-up on good deals.

Co-op groceries are also a great way to cut food costs. Some offer work exchange opportunities in lieu of paying membership fees, and even if there is a small sign-up charge, the savings and profit-shares you’ll get over the years will be worth it.

Plan meals ahead, and be willing to cook. Ready-made meals are generally more expensive, as well as less nutritious. Taking your lunch to work, and while out on day trips, can save thousands of dollars a year. If you have the space, grow your own herbs and produce, too. It’s fun, cheap, and quite easy once you know what you’re doing.

Transportation

Public transportation is a great invention. It’s environmentally friendly, and generally a lot cheaper than owning your own vehicle, particularly in large cities. Many employers even offer incentives, such as discount transportation passes, for taking the bus or subway to work.

If public transportation isn’t realistic, research carefully before buying a vehicle. Look not only into in-city fuel efficiency — which is different from how much gas the vehicle will use on the highway — but also warranties, maintenance schedules, and loan interest rates.

Look into buying a used car directly from the owner, as well. It’ll save you the dealership mark-up, and the seller can set a much better price for him or herself than a trade-in would provide. Just make sure to have a mechanic thoroughly check the vehicle over first.

Pay Down High-Interest Debt

High-interest debt eats more income than you probably even want to think about it. Credit card companies are happy to accept minimum payments, because it means they’re collecting amazing profits on excessive interest rates. Would you buy something if it was, say, 16%, 25%, or 35% higher than the ticket price? Well, that’s exactly what you’re doing when you charge something you won’t be able to pay off within the grace period.

To make it worse, most credit cards pay off lower interest rates first. That means if you transferred a balance onto your card for a great, low interest rate, but still have debt at a higher interest rate on the same card (or continue charging on that card), you won’t be able to pay down the higher interest rate until the entire balance of the lower interest rate is cleared.

While you should put something into a savings or money market account for emergencies, you’re losing money if you invest in those before paying down high-interest debt. It just doesn’t make sense to plunk $1,000 into an account earning 5% interest, when you could use that grand to pay off debt accruing three, four, five, or even six times faster.

Budget For Fun

It’s great to think you’re not going to spend any money on entertainment until your credit cards are paid off, or that last car payment is made, but it’s just not realistic. To keep yourself from splurging big time after months of deprivation, budget for fun, even if it’s only fifty dollars a month. Don’t be extravagant, and you’ll be alright. Walk out the door with a modest, set amount in cash after all your bills are paid, and leave all your credit and bank cards at home. This way, there’s no impulse buying or intoxication-induced spending.

Take It Away!

One of the easiest ways to trip up is having too much cash on hand. Use direct deposit. Most of the time it’s a free service provided by your bank, and it may even allow you to monitor and pay bills online. Many banks will also set up an automatic transfer from your checking account to a savings account every month. It’s a simple way to save for emergencies without having to think about it.

Ask For Help

It’s okay! Have you seen all the commercials for debt management lately? That should tell you you’re not alone. Ask your bank about good credit counselors, and check out non-profit debt management companies. Ask friends or family members that are better off than you financially, and listen to sound advice. If this article bears personal significance, you’ve gone past the point of pride, honey.

With the right plan of action and proper execution, we’ll get out of this. I promise it’s possible; with the proper mind set, crunching the numbers can give you as much hope as dread. Hell, with good retirement accounts, we’ll even go out millionaires.

Snowbird Life and Cost Differences Under Four Kinds of RV/MH-Park Ownership in Southern Texas

Most of the RV/MH parks used by the annually migrating “snowbirds” in south Texas, i.e., near to or further south of San Antonio, are managed under four kinds of ownership: 1) large corporate, 2) small corporate, 3) family or individual, and 4) cooperative. In some ways, the basic living arrangements in all of these parks is similar.

For example, most of the parks own all of the land within their boundaries. Most provide both RV-rental lots and permanent sites for mobile-home owners. Most also provide some kind of indoor-outdoor facilities, like recreation halls, swimming pools, and areas for dining, crafts, exercise, dances, games, garage sales, and live entertainment. Still, small differences in living costs exist under each kind of ownership. Here is a summary of each.

1. Large Corporate (owns many parks in different parts of the country or globe)

These fenced and gated parks are comparatively large with occupant populations near 2000 more or less. They offer extensive activities to their occupants, which can include beauty/barber shops, large craft or workshop buildings, convenience stores, sporting activities, dance halls, restaurants, churches, and bus tour directors.

Their in-season rental and annual dues fees can run from $1000 to $3000 per month higher than those of the average-size or smaller parks. These fees are well spent, however, if their occupants want multitudinous things do along with the luxury of having almost everything provided by the parks. These higher fees also cover most of the park’s routine and unexpected upkeep costs as well any costs for providing community lives similar to the typical American small towns.

2. Small corporate (owns two or more)

These fenced parks are numerous with populations near 500 to 1000 on the average. They can be owned by a small company, family, or an individual, and can have one-to-four sister parks under the same ownership. These sister parks might sit adjacent to each other, while others can be several miles apart. These can cost $500-to-$1000/month more than the smaller parks.

Each is managed similarly and can offer similar amenities, like, the recreational and social activities mentioned earlier. Yet, they are not totally the same because their occupants can form their own themes. For example, one park might be geared toward traditional Canadian activities, while others focus on hobbies, like, woodworking, crafts, bowling, or golf.

These parks appeal to many Winter Texans who want their specific activities and community relationships.

3. Family or individual (owns one or two parks, which can be organized or not)

These parks can be owned by one family or, in some cases, by fairly wealthy people who use them for tax writeoffs. They can range from being fenced and well-organized to being unorganized, depending on the owners and the occupants themselves, who form their own community themes.

The organized ones will have recreation halls with many of the simpler indoor/outdoor amenities, activities, and entertainments (e.g., bingo, cards, dominoes, pocket pool, puzzles, crafts, shuffle board, horse shoes, walking and swimming).

The unorganized ones basically rent-out RV lots and/or small apartments and mobile homes. Generally, they will not have multiple-use recreation halls or swimming pools. But they might have enclosed pavilions or large rooms in which the occupants can gather for their own small-scale social activities. These occupants focus mostly on getting out of the cold, and not so much on having lots to do socially.

The lots and homes in these parks can rent for $150 to $1400/month, and their home ownership dues are less than the highly organized parks described above.

4. Cooperatives (occupant owned)

Unlike the parks above, the mobile home and rental-lot owners in these parks have certificates of ownership for the lands beneath their homes, which gives them vested interests in the overall welfare of the parks. If a local government or large corporation buys one of these parks for any reason, a proportional amount of the proceeds goes to the individual lot owners.

These parks are run by an elected board of annual occupant directors who draft the park’s bylaws, regulations, and approve office staffs to handle the routine business and maintenance needs of the park. The directors have staggered terms, while all the unit owners consist of the voting board. Under these arrangements, these communities are highly active and involved.

The cost to live in these parks can be fairly reasonable, depending on the number of buildings and facilities provided by them. In certain places, the ownership dues can be less than $1500 annually. However, for them to maintain their upkeep, volunteerism, assessments and fundraisers can be common.

Visitors Guide to Houston, Texas, USA

The city of Houston is America’s fourth-largest city and although a spreading
location, much of the appeal is concentrated in the city center, between the
downtown district and the Galleria Mall. Houston is a young and vibrant city, with a
host of restaurants, bars and nightclubs. Close to the Gulf Coast Cities, Houston is
also home to a number of exceptional museums, popular festivals and regular well-
attended sporting events at the city’s stadium.

Houston is a large and important city, incorporating a number of local communities
and historical neighborhoods. Amongst these districts are Downtown – the center of
Houston, full of entertainment, shops and restaurants; Midtown – easily reached by
the city’s light railway; and Uptown – one of the liveliest and most animated areas of
the city, featuring the enormous cosmopolitan Galleria shopping mall.
Other notable areas of Houston include the Museum District – home to an unusual
concentration of exceptional museums and art galleries; the Theater District – one
of America’s most notable clusters of top theaters, in central downtown; and also
the Heights – on the northwest side of downtown, with many historic buildings and
specialty shops.

Houston Tourism:
Tourist attractions in Houston are plentiful, making Houston a particularly enjoyable
place to visit. Facilities include many striking buildings and monuments, historical
museums and traditional art galleries, must-see sights and numerous recreational
activities, which are particularly popular in the city’s many parklands, such as
Hermann Park, Memorial Park and Sam Houston Park.

Top attractions include Bayou Bend Collection and Gardens, Downtown Aquarium,
Houston Zoo, Space Center Houston and Byzantine Fresco Chapel Museum, Houston
Museum of Natural Science (HMNS) and the JP Morgan Chase Tower Observation
Deck. Museums worth a visit include Houston’s Lawndale Art Center, Museum of
Fine Arts, Contemporary Arts Museum and the Rice University Art Gallery. There are
also a number of seasonal theater productions that are always popular with visitors
to Houston.

Houston Transport:
Around Houston, public transport is well organized and a number of major freeways
and interstates are nearby. The city contains a large train station along Washington
Avenue, with regular Amtrak trains arriving and departing each day, traveling to a
range of cities, including Los Angeles. Further transport options include Greyhound
buses, the local METRO bus network, the METRORail tram service, car rental and
taxicabs.

George Bush Intercontinental Airport Houston (IAH) stands around 22 miles / 33 km
on the north side of the city center and is an important transport hub. With four
terminals and many passengers arriving each day from all over the world, Houston
Airport provides a range of convenient ground transport, which includes shuttle
buses, taxis and car rental options. Also nearby, the William P. Hobby Airport (HOU)
is a smaller airport with mainly domestic airlines, located to the southeast of the
city’s downtown district.

Houston Hotels:
Being a modern, important and large cosmopolitan city, Houston’s accommodation
more than meets expectations. With a simply vast selection of well-placed hotels,
there is plenty to suit visitors, although advance reservations are sensible. Hotels
can be found close to both airports, along nearby highways and throughout the city
center, with all main brands well represented. Camping grounds are also available
for holidaymakers with RVs, and the Houston International Hostel along Crawford
Street is popular with budget travelers.

Houston Restaurants:
Dining in Houston is massive and there are around 5,000 restaurants and eateries
to choose from in Houston, with a wide range of different cuisines readily available
for all palates. Many of the city’s most popular restaurants can be found in the
downtown area, the Richmond Entertainment district, and in the uptown district –
particularly along Richmond Avenue. International cuisine on offer in Houston
includes French, Indian, Italian, Mexican, Spanish and Thai, together with traditional
Texan dishes and American diners. Chinatown is the place to head for authentic
Chinese restaurants and shopping malls have become a popular place to eat in
Houston and often include large, open-plan food courts, with a number of options,
including fast food.

Houston Shopping:
Houston is an impressive, vibrant shopping destination offering a large selection of
shops and stores. Facilities include many popular designer outlets and fashion
boutiques, together with well-known department stores and enormous shopping
malls. Popular shopping areas include Chinatown, Main Street, Westheimer, Uptown
Park Boulevard and Rice Village close to the Museum District. Worth a visit are the
River Oaks Center between Woodhead and Shepherd, Alabama and Westheimer, and
the University Village, close to Rice University.

Houston Weather:
The city has a subtropical and fairly humid climate, with sunny, hot summer weather
and cooler winters. Temperatures during July and August are at their hottest and
can peak at highs of around 35°C / 95°F. Spring in Houston is a mild
season and a busy time of the year, when many visitors arrive in Houston. Winters
in Houston are cool, although the temperatures stay well above freezing. January is
the coldest month when daytime temperatures average around 16°C /
61°F, although lows of less than 10°C / 50°F may be
experienced.

Five Off Beat & Inexpensive Texas Road Trip Ideas

When out of state tourists think of Texas road trips, only a few hot spots come to mind: The Alamo, Austin night life, and that is about it. I wanted to point out some other lesser-known city and outside attractions that might make for an interesting road trip.

Schlitterbahn – For your summer time road trip, drive your water-amusement-park-lovin’ self down to New Braunfels, Texas and get your feet wet in this German themed oasis of fun. There are two parts to this park, and I personally enjoy the older classic part. I don’t know, there is just something nostalgic about that muddy water tube slides and river tubing.

I am sure the kids and the wife would prefer the newer part with a man-made river of the chlorinated persuasion one can lounge on alligator floaty on all day. It keeps you moving whether you want to or not. There are also huge slides that make for a real tongue swallower!

Tubing on the Guadalupe River – While in the area, this is definitely something to write home about a Texas favorite. There are several different routes ranging from one hour to four that will make your day on the river a time flexible reality. You can even drink beer while tubing, but be careful and don’t get carried away (no pun intended). As a recent rule, they do limit it to one six pack per person.

I’d advise doing some research online for quality “float the river” tips. For inner tube coupons from various providers, type in Tubing on the Guadalupe River in Google without quotes. Bring a picnic basket and you family can have a pretty inexpensive day of fun.

San Antonio’s Haunted Railroad Crossing – After tubing all day, you still have time to make a trip that night an hour away in San Antonio. South of San Antonio, in a low key neighborhood not too far from the San Juan Mission is an intersection of roadway and railroad track that has become known in a catalog of American ghost lore.

In 1941, a catholic school bus full of kids made its way down the road and toward the intersection. It stalled on the railroad tracks and a speeding train crushed the bus, sacrificing all of the children. The bus driver, a nun, survived, until she went insane and committed suicide.

Since the accident over 60 years ago (as the story goes), any vehicle stopped on the railroad tracks will be pushed by tiny unseen hands across the tracks to safety. This is the only part of the city where ghost children help with your defensive driving in San Antonio. Try using baby power on your bumper, so you can see their prints! This is definitely spooky, and from experience it works too!

In the last ten years, the railroad crossing has grown has grown rapidly in popularity, with tourists visiting nightly mostly due to online ghost and haunting stories research.

Fredericksburg, Texas – If you’re not down for ghost chases, here is a little less paranormal sabbatical, for the next day in your vacation. Known for bed and breakfast houses and antique stores, Fredericksburg, Texas is a small town located in Gillespie County (almost the exact middle of Texas). A perfect get away for you and your honey after a day on the river. They have over 300 accommodations for a town with 8,911 in population.

Only 63 miles north of San Antonio and 67 miles west of Austin, you could make a half day of a visit, the whole day and spend the night in a bed and breakfast. There are also quite a few hunting and fishing opportunities. Men, you might save that for another road trip with your buddies when you aren’t with your wife or significant other.

Luckenbach, Texas – While in Fredericksburg you might as well hit Luckenbach not very far away. “Everybody’s somebody in Luckenbach, Texas” because it is officially Texas’ smallest town with an official government census population in 1970 of 3. Waylon and Willy sang about it.

The oldest building in town is a general store/saloon opened in 1849 by Minna Engel, whose father was an itinerant preacher from Germany. The store is also a gift shop where you can get a shirt and a shot glass, your merit badge to any city along your Texas road trip.

There you have it folks, five off beat and inexpensive Texas road trip ideas.

Online Bank CD Rates TX (Texas)

So today we’ll bring you some On-line CD Rates in TX. Texas is a big state, so does that mean huge interest rates. I’ve heard their cockroaches are as big as skateboards and their spiders are as large as cars. My favorite are the Bus sized Jackolopes. But I digress. Let’s check out the certificate rates.

USAA Federal Savings Bank – San Antonio, TX (FDIC# 32188)
USAA was established on 1983. They are about $32.6 Billion and nicely profitable. Maybe it is a Texas thing. Big states, big profit. They are native to TX. Maybe a healthy heaping of good ‘ol Texas pride will help the rates. USAA FSB has a 1-Year at 2.25% APY and a 2-year at 2.45% APY. So, So. A 4-year Jumbo IRA is paying 3.00% APY. With Fed funds at practically 0%, that is pretty good. Although USAA is not open to everyone. You have to be a part of the military or a family member of someone in the military.

Comerica Bank – Dallas, TX (FDIC# 983)
First, check-out the FDIC#. established on March 5, 1849. That is old. They were originally The Detroit Bank and Trust company. They switched their name in 1982 to Comerica Bank-detroit (Yes, with a little “d”). They gulped down just about every bank in Michigan. In 1991, they removed “-detroit”. They continued gobbling up banks in MI,CA, FL, and TX. Finally, in 2007 Comerica Bank moved to TX. They are big, about $67.6 Billion, but they aren’t native to TX. They have 1.00% APY for up to 1Y and a 2.00$ APY for a 2-year CD to 10-year CD. They were profitable for the year though. That is rare these days.

The American National Bank of Texas – Terrell, TX (FDIC# 23474)
I just loved the name of the bank. But hopefully, it doesn’t become an omen for nationalizing the banking system. ANB of TX is about $2 Billion in assets and also profitable. So from what I found, for the most part, TX has a solid set of banks. American National was established on 1981. With a name like, “The American National Bank”, I thought for sure this would be an oldie. Rate data wasn’t available on their website.

Guaranty Bank – Dallas, TX (FDIC# 32618)
Guaranty Bank has an interesting product, the JumboUp CD. It is a set-up CD and only requires an initial deposit of $10,000. They have a 16-month and 24-month option. The rates step-up every 4-months and 6-months respectively. The interest rates average out to a respective 2.22% APY and 2.32% APY. One problem is, Guaranty Bank also has a 1-year and 16-month CD that are paying a better} yield. However, the step-up (or JumboUp) 24-month CD pays a higher yield than the fixed 2-year term. They were established on 1988. They are about $15 Billion in assets. They do have a loss of about $420 Million. Ouch! That is way down from an $89 Million dollar profit in 2007. Stay away from the Riverboats

Texas Capital Bank, NA – Dallas, TX (FDIC# 34383)
Texas Capital is one of the babies of the bunch. They were established on 1997, but are already $5.1 Billion in assets. And another profitable Texas Bank. But unfortunately, the on-line rates are awful. Top rate is 1.21% APY. I’m really starting to worry here.

Statute of Limitation

If you have been hurt in an accident, it is important to seek legal action quickly. The court system will only accept cases for a certain amount of time after the incident occurs. This is more formally known as a statute of limitations which dictates the period in which legal remedy can be sought. After the period expires, an injured person has no right to seek compensation for damages. Therefore, it is important to be aware of your state’s limitations.

There are many different statutes which apply to varying types of injuries, so it is important to consult an experienced lawyer in your area, so you are knowledgeable of the time frame you have to work within.

Within the state of Texas, professional malpractice claims including medical malpractice are to be filed within 2 years. The personal injury statute is 2 years. There is a 4 year period in which a fraud case can be filed. Libel, slander, and defamation are limited to one year after the fact. Injury to personal property is given 2 years. Lastly, contract cases must be filed within 4 years. These are only general guidelines, so it is important to consult and experienced attorney. Also, be aware that multiple cases can stem from the same incident. As in most cases, there are exceptions to the rules for specific situations. A knowledgeable lawyer should be able to counsel you as to what your options are for your specific case.

There is also a statute of repose which is not to be confused with a statute of limitations. The statue of repose sets a time frame in which a suit cannot be filed generally based on the creation of the product. Therefore, for a manufacturer of a bus might have a 20 year statute of repose after the date of manufacture, meaning if the bus is 21 years old and defective, a case may not be filed.

In general, the time frame from of the statute starts at the time of the incident. However, if the injury from the incident is not found till later the discovery rule allows the statute to start from the time the injury is found. In addition, if the injured party was a minor, the statute is “tolled”. This means the running period starts when the minor becomes an adult. Tolling can also occur for victims which are mentally incompetent because of the incident, for instance a coma victim.

Interesting Auto Insurance Law Facts

The law regarding auto insurance Texas is as follows: The minimum liability for bodily injury liability limit is set at United States Dollars 25 000, a maximum of United States Dollars 50 000 for each accident and the limit for property damage is U.S. D. 25 000. This is generally termed 25/50/25 coverage.

Insurance coverage in Texas requirements for higher coverage went into effect in April first 2008. A tort system is followed in Texas, this means that someone has be found guilty of the accident and then they and the insurance company they are underwritten by is liable for the damages. The specifics of the tort system do differ from county to county.

There is priceless cover at hand to cover bodily damage caused by a driver of a motor vehicle that is either not insured or under insured. This is not mandatory in Texas however it is highly recommended to purchase this cover.

Certain online insurance companies offer the option of selecting the minimum required package for that particular state. You can also tailor make a package to suite your needs. Most companies have licensed agents to help you throughout the process of obtaining insurance.

Insurance premiums in 2008 in Texas averaged U.S. D. 846.93 this was 1.10 percent up from the year before.. Liability cover was on average United States Dollars 476.39, Collision cover was United States Dollars 321.19. Comprehensive cover was lower at U.S. D. 146.50 on average. The Texan average was lower than sixteen states and was higher than thirty three states.

Various factors such as speed limits in highways and cities, blood alcohol percentage. Also the driver and passengers are prevented from having open alcohol in their possession whilst in a moving vehicle. Hand held cell phones are not banned. Bus drivers need a licensed driver present if they are 17 years old.

People who are caught driving drunk have their licenses suspended for 90 days. There are instances whereby driving privileges are reinstated during the period of suspension. Data collated regarding insurance premiums is as follows:

2008 average premium United States Dollars 849.932007 average premium U.S. $ 837.402007 -2008 percentage change was 1.10 percent.

The collision cost in 2008 was United States Dollars 321.19. Liability cost for 2008 was United States Dollars 476.39. The comprehensive cost for 2008 was U.S. D. 146.50 whilst the premium rank was 17.

There are a variety of websites available on the internet where one can search for information and the best premiums available to you. You are sure to find something that will suit both your needs and your budget to an absolute.

Seeing the Big Picture at Austin’s IMAX Theater

If you want to see a plain, old movie, you can find any number of theatres playing all sorts of mainstream films throughout Austin. Action, horror, romance and drama are only a short walk, bus ride or car trip away. But when you’ve finished seeing the show, you may wish that there had been a little more flair and panache to truly make that 10-dollar ticket worth it. You’ll be mildly disappointed (even if tit was the best film of the year) as you wander home, thinking you should have made a different choice. You should have gone to the Bob Bullock Texas History Museum and seen a film in Austin’s only IMAX theatre.

IMAX technology uses the film frame ten times the size of the conventional 35mm film – in fact, it is the largest in the industry – to give viewers a truly unique motion picture format. The impact and size of the images alone send viewers into sheer thrill and intrigue, as they watch scene after scene of whatever may currently be featured.

The lineup changes from time to time, with shows such as U23D, but there is always one mainstay: Texas the Big Picture, funded by the Texas State History Museum, ExxonMobil and the State of Texas, is a film that retells the story of Texas, including the myth, the majesty and the magnitude of the state, in a way no other theatre could. Its information stretches from the Rio Grande and Western Texas to the Gulf of Mexico. It is truly a big film, on a big screen, offering you the big picture.

If you want to see the film or another, you should keep in mind that there is no late seating at IMAX, so arrive on time. However, you probably don’t have to worry about not getting a seat – the theatre is able to seat 389 people. As a highly accessible site, the theatre welcomes individual with additional needs: assisted living devices, Rear Window captioning and Audio Description for the visually impaired are available upon request. And with a lobby that can easily hold 150 individuals, large groups are also ushered in with great enthusiasm and excitement.

Events are also a common occurrence at the IMAX. The lobby and high number of seats make it an ideal location for dinner and a movie with 100 of your closest friends and colleagues. If you would like to reserve the area, you can contact the theatre for dates and time availability. Packages, which could include any other portion of the museum, can be arranged with your interests in mind. The possibility is at your finger tips – you simply must act, and act fast to obtain the tickets, because once word spreads, there will be no keeping the hoards out.

So if you’re looking for a one of a kind, thrilling hour, consider Austin’s IMAX. It will take you for a trip beyond your wildest dreams. Of course, if you would rather wander down to the regular theatre, by all means. But be aware that if not boredom, monotony awaits.

Top 10 Things to Do in Dallas, Texas

1. Dallas Arboretum & Botanical Gardens

This garden spans through 66 acre of land and offers interesting sites including the amazing 8 acre Rory Meyers Children’s Adventure Garden as well as the Children’s Garden Cafe. The garden has a lot of picnic areas with well-trimmed grasses. However, no active sports are allowed in this garden.

2. Perot Museum of Nature and Science

The Perot Museum of Nature and Science is one good place to visit and it is a home to five floors of 11 permanent exhibit halls which encompass state-of-art video and 3D computer animations and real time simulations. It also features a children’s museum, a playground and walled enclosures for fun and activities

3. American Airlines Center

This is a multiuse arena which serves as home to the Dallas Stars and Dallas Mavericks. The arena has been in constant use for live plays and entertainments till date. It offers super clean facilities and is furnished with up to 21,000 comfy seating.

4. The Texas Theatre

This is such like a peak into Dallas history resuscitated back into life as it has gained historical recognition being the place of Lee Oswald’s hideout during his assassination of President John F. Kennedy and killing of police officer J.D Tippit. It is the first Dallas air conditioned theatre and is equipped with comfortable seating, state-of-art facilities and a very serene atmosphere.

5. Reunion Tower

This is an exciting place to have a compact view of Dallas along with its beauty from above. It is a famous tower and as such one of the top revered Dallas landmarks reaching a height of 561 feet. The Reunion Tower is the 15th tallest building in Dallas and has the renowned chef Wolfgang Puck’s Five Sixty restaurant located at the top of the tower.

6. Adventure Landing

This is an electrifying place packed with lots of fun for both kids and adults. The Adventure Landing comprise of three mini-golf courses, monster Video, speedway go-karts, Redemption Gaming Arcade and a laser tag room. The place offers a wide range of onsite food services along with a number of snack bars.

7. Dallas Zoo

The zoo is claimed to be one of only 10 zoos to have koalas in the United States. The park started with just two deer and two mountain lions in 1888 and is a home to over 2,000 animals today, being one of the biggest zoos in Texas.

8. White Rock Lake Park

The White Rock Lake Park is situated at 5 miles northeast of downtown and is a good place to work out your sneakers on the 9.33-mile track that brings you all around the beauty of the park. The White Rock Lake Park is a refreshing place to enjoy and feel nature in its best shape.

9. Galleria Dallas

The Galleria Dallas is an exception to any place described as dull as it is a mega-mall laced with several dots of entertainment and fun. It is one of the city’s most glamorous center furnished with four floors of boutiques, candy stores, restaurants and lots more.

10. Sixth Floor Museum

The Sixth Floor Museum features photographs, film captures, and artifacts which illustrates the legacy of President John F. Kennedy as a renowned and the most influential icons of the United states. The museum gives a comprehensive guide into Kennedy’s life. It also houses an extensive collection of books, artifacts and audiovisual resources.