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Babolat Tennis Bags Are the Perfect Solution for the Whole Team

Babolat tennis bags are seen on the shoulders of top tennis players as they walk on court.

With humble beginnings in the late 1800s as the inventor of natural gut racquet strings, Babolat didn’t start making tennis racquets, or bags for that matter, till 1995. By placing Babolat products in the hands of juniors, Babolat began a grassroots movement up the ranks until it was soon the brand of Andy Roddick and former men’s world No.1 Rafael Nadal.

The 12 pack Team is the bag of choice for the Babolat pro and junior teams, including Nadal and Roddick. The bag features three main compartments that can each hold up to three racquets. The rear thermal insulated 3 racquet compartment protects racquets and strings from heat warp. A feature that came in handy at this year’s Australian Open where temperatures crested 100 degrees Fahrenheit. The bag also has two smaller pockets for personals and accessories, a new feature that was developed in response to the difficulty of finding keys and cell phones lost in the bottom of previously designed Babolat tennis bags. The two ergonomic, padded shoulder straps are supplemented by a new grab-and-go carrying strap for easy toting whether the bag is full or empty

The red Babolat Team 135 year anniversary bag is used and signed by Nadal. Babolat currently has a promotion for a discounted ($79.95 to $29.95) Babolat Pure Drive Team bag signed by Roddick with the purchase of a Pure Drive tennis racquet.

The rest of the Team Babolat tennis bag line includes a 9 pack, a 6 pack, a 3 pack, a competition bag, a tennis backpack and a travel bag.

The 9 and 6 pack racquet bags are smaller and more manageable for those with smaller frames than the powerhouse pros. Both have two racquet compartments; one featuring thermal insulation and the other holding either racquets or court and travel necessities. All other features of these bags match their larger, 12 pack counterparts, except the inner shoe compartment.

The 3 pack racquet bag is the logical choice for the tennis player who isn’t far from home. It has one large racquet compartment for up to three racquets and two smaller external pockets for personals. One adjustable shoulder strap and one grab-and-go carry handle make carrying a breeze. This bag does not host thermal insulation.

The Babolat Team competition bag has been used by Roddick and the rest of the Babolat team as they travel the world round as a supplement to the Team Babolat tennis bags. This tennis duffel has a sturdy construction, separated shoe and clothing compartments and a large side pouch for immediate-need accessories. Babolat hosts an innovative four-point shoulder system for ergonomic support on long jaunts through airports.

The Babolat Team tennis backpack holds up to two racquets and is the only solution for the player who needs their hands free to manage a bike or motorcycle. This Babolat tennis bag holds up to two racquets, has a rain cover for one and has enough room for clothing, shoes and anything else you need at the court. One front and two side accessory pockets keep personals close at hand. The foam construction padded back panel ensures optimal comfort during a short or long ride.

All of the Team bags come in red, or black, making Babolat tennis bags the perfect solution for school, club or pro teams.

Being Comfortable With Your Home Purchase

Let’s get down to brass tacks with the home buying process. You as a buyer are spending a lot of money and have the right to be comfortable and happy with your purchase right? Of course you do. So essentially the question is what needs to be done in order to ensure that this is so? Well, probably the most important things is communication. It’s a good idea to remember that your realtor is there for more than simply helping with some contracts. Your realtor is your info source of information on anything that you might not know or be familiar with. The more you communicate with your realtor the smoother this process will be.

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Another way to ensure that you are completely happy with the home that you have bought is to never settle for anything less than what you need. This happens a lot when buyers are too eager to purchase quickly and in that quickness, things get overlooked. Remember that this is going to be your home, take the time to learn everything you can about the home in question. Does it have enough room for you and your family? Is there some extra room in case your family grows? Forward planning is an essential part of buying a home, and should never be overlooked.When everything is said and done you should be left feeling like you have made the most intelligent purchase of your life. You should also have a financial arrangement that fits your lifestyle and payment abilities. In order to make this happen you need to be in complete control of your financial life, you should have your credit completely sorted out and dealt with so that there are no bridges that have to be crossed in order to secure the necessary funds for the purchase. Follow the advice of your realtor and the process should be a lot more fun than it is stressful.

Obtaining Insurance For Cars Is Not A Daunting Task

For many people, obtaining insurance for cars is a daunting subject. With so many different   insurance  providers and  insurance  products to choose from, finding the  perfect   solution  for your needs and requirements can border on the impossible… Luckily, insurance companies are going out of their way to make the process as quick and painless as possible, which is a welcome change from a couple of years ago.

While the many different insurance providers can certainly add to the confusion, we actually need to be thankful of the wide variety that we can pick and choose from! The insurance industry is a very competitive industry and this certainly plays to the advantage of the client wanting to obtain car insurance quotes. Each insurance provider is trying to offer a better, more appealing deal than the next, which means that insurance quotes are not only very competitive, but the associated benefits and features are equally impressive!

Obtaining insurance for cars quotes online is one of the easiest ways of getting the job done! By logging onto the internet and visiting one of the many insurance portals, you can quickly and effortlessly obtain anything between 5 and 10 insurance quotes, depending on the particular insurance portal. Once you’ve collected the quotes you can then work through all the offerings from the comfort of your own home or office, before choosing your top 2 or 3 quotes. From there you can then even visit the individual websites of the companies you are interested in, and investigate further details such as the company’s history, customer feedback, claim history etc.

One thing that you have to keep in mind is that most car insurance companies will have no problem negotiating their offer. Therefore, if you receive a quote that you find a little bit steep, but you are satisfied with the company and the rest of the offerings, you should consider making an appointment with an insurance agent at the company and discussing the options with them. If you can show them quotes from other insurance companies with a better offer, even better! As already mentioned, the competition between insurance providers is fierce and such providers will generally do whatever is necessary to hook the client.

Another way to take the best advantage of the competition in the industry, is by making use of a professional insurance broker. These individuals have extensive knowledge of the insurance industry – if there is a special offer or fantastic deal, they know about it! Brokers are generally able to offer you a wide range of products and solutions from different service providers. They are also trained to structure the best package for an individual’s specific needs and requirements, which is of course vitally important! Therefore, when obtaining insurance for cars, do not frown at the number of providers trying to lure you in as a client, rather embrace the opportunity and make sure that you choose the best package for your needs and requirements. Make sure that you have your insurance in place as soon as possible – it is the responsible thing to do!

Health Insurance for the Small Business Owner

More and more, we see people leaving the comfort of a big organization to branch out on their own. Whether they are tired of being micromanaged or are just interested in doing something different, people are making this move in record numbers.

Becoming a business owner comes with many considerations. While small business owners face a number of obstacles, securing health insurance is probably one of the most common. Surveys report that 23% of small business owners state that the rising cost of insurance stifles success. Today, it is estimated that only about 49% of all small companies offer insurance compared to 98% of the larger corporations.

The reality for most small business owners is that the cost of insuring themselves, in addition to staff, would have a dramatic impact on the business. For some people, health insurance is provided by a spouse, but as people get to retirement age, these benefits often go away. Young people may get coverage through their parents, struggle to get and keep an individual policy, or simply go without.

Some Chambers of Commerce in towns and cities across the nation provide options. In this case, if you were a member of the Chamber, you might have some choices for health coverage, but keep in mind that many times these insurance plans are expensive. However, if there were no other resources, it would be a consideration.

While there is no perfect solution to addressing health insurance coverage in your business, the news isn’t all bad. There are a number of reputable and qualified companies dedicated to helping small business owners establish health and other types of insurance. Here are a few recommendations for your consideration:

Health insurance coverage is a big part of putting a business together, whether you intend to only cover yourself or will be offering it as a benefit to employees. Take the time to thoroughly research your options, and include your tax and legal advisors in the process. It is better to understand all the facets and come up with a solution that will remain viable as your company grows.

Life Insurance Protects Your Family

We need coverage on our homes, rentals, automobiles, and even our lives and children’s lives. You may ask what good this is while pointing out how much you do not use your automobile coverage or how much you pay in. The fact is if you get into an accident, you will be glad you have it. You may still be muttering. You will be glad you have it when the person you have gotten into an accident with comes to collect damages. The company will pay out for their repairs and injuries, so you can focus on healing. If you chose to get only liability coverage, you may still be on the hook for your own damage, but you will be glad you avoided the legal trouble in most states and writing a hefty check for the other person. The same goes for  life   insurance .

If your husband or wife were to pass away, the last thing you will want to deal with is money. Yet, funerals cost money. A little foresight will allow you to grieve without the stress of money, taking days off work and planning a funeral. You and your spouse should consider your options before tragedy strikes your home. There are many types of coverage, and depending on what you are looking for, you may want to do a little research. The most promoted policies are term and whole life. They carry different benefits. A whole life policy costs a little more but allows you to build savings. The company will offer a higher percentage rate than a typical saving plan. Another benefit is that you can often borrow against it. You can withdraw the money for a new roof and pay yourselves back. No questions asked, just call and ask for a check.

A term policy is going to cost less. The benefit is that your family can be fully insured for less money a month. You will want to talk with your agent to discuss how much coverage you need. Your agent will discuss other scenarios with you. For instance, what would happen if you were to both pass away and leave your children orphans? They will discuss how much coverage you would want for that. They will inform you on the types of  life   insurance  policies they offer that would protect your family.

Coupled with drawing up a will,  life   insurance  can be a gift you give your family. Like auto insurance, you will wish you never have to use it. If something happens and you need it, you will be glad you took the time to make this important purchase. Take advantage of this to discuss other plans to care for your family in tragedy. Be sure both spouses know where the bills are, all account numbers and any policy numbers. Do anything you can to make a terrible time easier. You will never regret taking the time.

Workers Comp Insurance Isn’t Required in Texas – Does My Business Really Need It?

Texas is the only state in our great union that doesn’t require employers in some form to carry workers comp coverage. Is this good news?

I run across many Texas businesses that choose to go bare. I hear things like, “Hey, my employees work in an office, what’s going to happen? If someone gets a vicious paper cut, I can write a check to the urgent care center. Problem solved, right?”

Educate Yourself on the Risks

Maybe. As long as you are comfortable with the risks. What else can happen to your office employees? Do they ever drive their own vehicles for business purposes? Ever drive to the bank to do a deposit or make a run to Office Depot? Ever go on a sales call? (I know after last quarter’s numbers you sometimes wonder, huh)? What happens if your employee gets in an at-fault accident and sustains serious injuries? Who pays for hospital stays, medications and lost wages if you don’t have Workers Comp? Well let’s see:

Health insurance? Nope. Automobile insurance? No again. General Liability Insurance? Excluded. You guessed it. You do!

A Risk Management Axiom

There is a risk management axiom that you should only retain the level of risk you can pay for. To throw in a little perspective on medical expenses, one of my ten year old twins recently had a little ER visit for doing a head-gravity-ground experiment while playing “touch” football. We were there for an hour and a half. The bill… Over $16,000! How much for a serious auto accident? Hundreds of thousands of dollars? More? Can you write a check for that?

Statutory Compliance

There are a couple of other issues you need to be aware of if you choose to go without workers comp coverage (this is called non-subscription). If you are a non-subscriber, then you are by law required to file a “Form 5” with Texas Department of Insurance every year. Failure to do so carries potential administrative penalties and fines. You can get a copy of a form 5 on the TDI website, or get in touch with me at Austin Insurance and I’ll be happy to send you one.

The Realistic Risk

Perhaps the most realistic exposure to non-subscription is the cost of being sued by an employee for on the job injuries. Even if you are vindicated in court, you will still incur potentially substantial legal fees. Now my attorney is a nice guy, but at $300 an hour I tend to forgo the chit chat.

Furthermore if you are sued by an employee for negligence, then you are severely hamstrung in any legal defense you employ because your attorney will not be able to use many common law defenses that are typically critical in defending negligence suits.

The Solution

The good news is that the level of workers comp fraud has diminished over the last few years and rates have come down. In fact for office workers annual rates are as low as 25 cents per $100 of payroll. Make sure you are protected!