Cheryl Posner


USA is an ultimate destination for travelers and they often hire cars to either travel for pleasure or business. Before you hire a car, you need to understand that car hire insurance process in the USA is different than any other country. If you are covered already, this is not something that should bother you.

We often feel buying a Collision damage waiver insurance (CDW) is unnecessary. Well agreeably so, but do you know how life saving it becomes at such times when you don’t have any primary insurance in place? 

Read further to get a hang of what the insurance process looks like in the US territory and how it can make your life simpler. 

The best way to move around while on vacation in the United States is with a car. If you are visiting for a short period, hiring is your best option; hence insurance should be taken seriously. This article offers insight on the major insurance needed when hiring a car in the USA.

Collision Damage Waiver

Collision Damage Waiver is like a loss damage waiver, typically sold by car hiring companies, it covers you financially; from damage and theft. 

It’s not compulsory to purchase this insurance, but, it is useful. For instance, say your credit card rental insurance already covers for collision damage; getting claims will take a longer process because you will have to pass through your auto insurance company first. However, with Collision Damage Waiver you’ll engage in a direct transaction. 

Supplemental Liability Insurance

This type of insurance protects you on damages done to other people, their cars, and other properties. If a third party gets injured within the rental period, the Supplemental Liability Insurance will pay for medical expenses. 

The United States takes Supplemental Liability Insurance seriously, so be prepared to buy it if you are renting in any of her States. However you must know; Supplemental Liability Insurance bought within the United States won’t cover you abroad.

You can buy supplemental liability insurance directly from your insurance company, a third party or the umbrella liability insurance.

Personal Accident Insurance

This is the alternate version of the supplementary liability coverage insurance. Rather than cover other people, the personal damage insurance covers you. 

If you have an accident, both you and your passengers get medical, ambulance and death coverage.

However, the personal insurance coverage can overlap with health, life and car insurance policies, so it’s important to read their terms and conditions to avoid paying for a policy that you are already covered for. 

If you are holidaying in the United States,  ensure your travel insurance covers your medical expenses, if it doesn’t, consider getting a personal insurance coverage. 

Personal Effects Coverage

With personal effect coverage, you don’t have to worry if items from the rented car get stolen so long the stolen property is within the set dollar limit.

If you already have rental insurance however, you may not need the personal effects insurance. Thus, It is important to check your policy documents or call the customer care service to know if you have such coverage already.

Car excess waiver rental insurance

In the United States it is compulsory to pay car hiring companies a certain amount “excess” this excess serves as collateral in case there is damage to the rented vehicle. Car excess waiver rental insurance is a policy that will help you cover the excess.

 There is no fixed amount for excess, it varies according to factors like location, vehicle type, and age. Car excess waiver rental insurance keeps you covered.

Car rental excess waiver insurance  insurance can be confusing, but here’s a breakdown of how it works if you already have collision damage waiver you’ll still have to pay for excess in case of damage or theft. 

Excess are expensive ranging from $200 to $5000, but with a car excess waiver rental insurance you’ll already be protected from excess fee.

The car excess waiver rental insurance is just like the travel insurance because you can buy it as a single policy or annual policy (if you are renting frequently). 


Finding out which Insurance is needed when hiring a car in the USA can be tricky, you can’t perform a random pick. You might be buying a policy that you don’t need or a policy that you are already covered for. So, you must do a thorough research first and measure your risks. 

This will help you identify areas that makes you vulnerable and cover them accordingly. Next, you’ll have to decide whether you’ll be buying from the car hire company, credit card coverage, or a third party.  Consider cost too, there are companies that offer discounts. Finally, don’t just make assumptions, if you are not sure of an adequately coverage, buy new insurance. 

Thanks for reading.


There is a new trend in the makeover industry. The good folks over at are telling us more and more that new mothers are coming in for all sorts of procedures that improve their quality of life and appearance.

Some people don’t understand and think that maybe plastic surgery is pure vanity. But the fact of the matter is, your mental state is important, and in this often highly competitive world, self-confidence is highly important. Ultimately these procedures should always of course be done for the benefit of the subject in question, and not to please those around them.

This is the reason why mommy makeovers, as they are called, are rapidly gaining in popularity. Let’s be perfectly honest here: having a baby is far from easy and it takes its physical toll on the mother. For many new mommies, nothing is better for them on a psychological than bouncing back quickly and looking like they never had a baby in the first place, although of course baby and all the blessings he or she brings to the family is very much still there!

Every new mommy is different, and every labor and childbirth is very different as well, so there are a range of procedures that can or may be performed or not as part of any given mommy makeover.

Some common procedures new mommies feel are the most useful are: breast lift, abdominoplasty (tummy tuck), mini abdominoplasty (mini tummy tuck), and liposuction, to various degrees and as needed. Also, sometimes breast augmentation or reduction is indicated, depending on the individual case at hand.

Perhaps the most common necessary and useful procedure that can be done is a much simpler and less invasive procedure: that of laser skin rejuvenation. This procedure, as its name implies, smooths out the skin using a laser, reducing or even eliminating those famously annoying and unwanted stretch marks and other skin blemishes that may have been caused by the pregnancy labor and childbirth processes. It can be very worth it in cases ranging from major to minor skin issues.

If you’re a new mommy, you may feel one or more of these procedures are right for you. Once again, the important thing is that if you do this, you do it for you yourself and not to please anybody else. But your self-confidence is a thing and that thing is important and should not be denied.

There is no doubt about it; your life has changed permanently, and it has changed for the better.

However, that doesn’t mean you have arrived in paradise. Being a new mommy presents several of its own unique and difficult challenges to be overcome, and one of the main ones is adjusting to that stir crazy stay at home lifestyle you will probably be living in the first months of baby’s life.

Keep Working

The first advice, look for side hustles from home. Today’s world has the advantage of being super interconnected. Take advantage of this. You will be busy with baby, no doubt, but you will also have lots of downtime where you are staring at the walls or some TV screen, frustrated. Getting a flexible side hustle of some sort (there are so many literally), will keep your brain from rotting and keep you on an even mental keel, as well as bringing in some always welcome extra funds for baby’s needs and other necessities and luxuries of the world.

Take Baby Out Frequently

By frequently, we mean at least once a day, if possible. Don’t be overly worried about the weather either; just dress baby appropriately for the occasion and you will be fine. The fresh air and the change of environment will do both of you worlds of good.

Walking is also an essential physical activity for all human beings. No matter if one is an Olympic athlete or an office worker, all of us need a certain amount of time walking. It’s impossible to be healthy without that. The sooner you get back into this routine, the better. Of course, if the birth was unusually difficult, you may want to consult your doctor first, but let him or her know you really want to get back into things as soon as possible.

Keep The Home Well Stocked

Whatever you need, make sure you have tons of it, and a constant fresh supply. This of course goes for diapers, formula (if needed), baby food, laundry detergent (you will be doing a LOT of laundry, and the detergent of course has to be infant suitable), bottles, anything else you can think of. Babies have tons of material needs, and running out is not a good outcome! If you don’t have a membership at something like a Costco or BJ’s or Sam’s Club, now would be a great time to take one out, as you will be buying in bulk like never before with baby!

Winter is coming, and that means it’s time to prepare your home, car, and kids. Make sure you load up on ingredients for winter meals and plenty of hot cocoa. Let’s look at a few tips to make winter easier for you and your family.

Keep the Heat In

Winter gets cold, so make sure your heater is in top working order. Schedule a professional maintenance check and avoid costly breakdowns later in the season. It’s also a good time to change out your air filter. A fresh filter ensures that your HVAC system traps the dust and irritants that cause runny noses and coughs.

The south side of your home gets the most sun in the winter, so open the drapes or blinds on that side. At night, close all drapes and blinds to insulate against the cold window glass. Don’t leave kitchen or bath exhaust fans running for extended periods of time. Turn them off when you’re done. Check your vents and make sure nothing like furniture, carpeting, or drapes is blocking the warm air coming into the room.

Stock Essential Supplies

Keep your kitchen stocked with ingredients to make soups and stews. There’s nothing like a hot meal to warm the body on a chilly day. Use spices, herbs, and root vegetables to flavor your winter recipes. While you’re at it, stock up on the supplies you need in case a winter storm downs the power lines.

Some food items to keep on hand include bottled water, peanut butter, canned juices, crackers, bread, and baby food if you have a young child. Also, carrots, squash, apples, raisins, and nuts stay fresh a long time. Keep apples in the fridge for up to a month. Other items important during electrical outages include:

  • Diapers
  • Pet food
  • Flashlights and batteries
  • Extra blankets
  • Jugs of water
  • Salt and sand to spread on driveways and sidewalks
  • Medication supplies to last several days
  • First-aid kit
  • Manual can opener
  • Battery operated radio and clock
  • Cellphone

Keep emergency supplies in your car too in case you get stranded. Check your antifreeze levels, battery, and tires. Always carry jumper cables, small shovels, an ice scraper, and flares in your car.

Bundle up in Layers

Winter means warm clothes, and nothing keeps you warmer better than layers. Make sure your children wear several layers, like t-shirts, sweaters, and jackets, during cold snaps. A good rule for youngsters is to add one more layer than you wear yourself. Keep plenty of hats, gloves, and scarves on hand for bundling up. If you live in an area that expects snow, make sure your family members all have snow boots.

Before the first snowfall, buy a sled. The plastic ones are inexpensive and offer hours of fun for kids and adults. Also, keep plenty of board games on hand and extra batteries for electronic games in anticipation of days when staying indoors is your only choice. Know the signs of hypothermia and frostbite. If you’re shivering, it’s time to go in.

Follow these tips, and remember to bundle up and stay safe this winter.

Traveling is fun but difficult, especially for families. While you’re planning those scenic outings, museum trips, and hotel stays, you sometimes forget to pay attention to nutrition. Forgetting to drink water or eat foods with the right vitamins can actually make your jet lag worse. A tired, dehydrated family isn’t exactly the fun group of people you want to be on vacation with, so figure out some strategies for staying fed and healthy while away from home.

Road trips can be especially difficult. Your options for eating on the road can be dismal when all you pass on the highway are fast-food restaurants and gas stations. To keep from snacking on candy, bring a cooler filled with goodies like hummus, vegetable sticks, and PB&J sandwiches. If you have to eat at the gas station, buy items like dried fruit or nut mixes instead of candy bars and donuts. Once you get to your hotel room, your strategy for health is simple: get a room with a kitchen and do some of your own healthy cooking!

Eating and drinking in foreign countries can cause GI issues. To prevent diarrhea, brush your teeth with bottled water. To keep from getting heartburn thanks to unfamiliar cuisines, don’t eat large meals. Instead, try new foods in snack quantities and don’t eat a lot before going to bed, since that can make reflux worse. Learn more about staying healthy while traveling from Health IQ. The Eating Hacks: Family Vacations quiz is full of great tips!

About Health IQ

HealthIQ’s mission is to improve the health of the world. In pursuit of this mission, they’ve created over 2,000 quizzes and worked with innovative insurance companies to create financial rewards for health conscious people. To date, Health IQ has helped thousand triathletes, vegans, runners, and other health conscious people secure billions in life insurance coverage, and they hope to expand to other financial rewards in the near future.

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It’s common for people to have a hard time maintaining healthy sleep. In fact, it’s one of the biggest problems that many people run into when they’re trying to create a more healthy lifestyle. A significant reason that many people have such a tough time with healthy sleep is that they often just don’t know what it means to have healthy or unhealthy sleep, and they don’t know how to fix it. Here are a few ways you may be able to make your sleep a little healthier.

Only Use Your Bed for Sleep

This is something most sleep experts will recommend right off the bat. Using your bed to do anything other than sleep makes your brain associate it with awake activities. When it’s time to go to sleep, your brain is less likely to respond to your attempts to sleep. Just by moving your activities to a desk or even just the couch, you’ll be more likely to have healthy sleep. Your brain will recognize that lying down means it’s time to go to sleep, which is then more likely to happen.

Create a Routine Every Night

Your brain is hardwired to love routines. That’s how you create a habit; once you start a routine, your brain will automatically fall into that routine every time you start it. Your routine can be anything; maybe you put on your pajamas, then write in a journal, then lay down to go to sleep. After as soon as a few days, your brain will start to associate this routine with sleeping, and you might even start feeling sleepy as soon as you put on your pajamas.

Turn Off the Lights at a Certain Time

This also has to do with creating a routine. Light or lack thereof induces your brain to produce different chemicals, and the chemicals your brain produces without light are the ones that prompt you to start feeling sleepy. When you make a commitment to turn off the lights at a certain time, you’re ensuring that you get to sleep at about that time. If you have smart lights, you can even program them to automatically turn off at a specific time every night.

Avoid Screens for at Least an Hour Before Bed

Computer and cell phone screens are amazing technological feats. However, the blue light they produce can be very damaging for your sleep-wake cycle. That’s why many experts recommend you avoid computers and cell phone screens for at least an hour before you sleep. Consider filling that hour with non-screen-related activities, like putting away the dishes, reading a book, or writing in a physical journal.

Consider Supplements for Sleep

Supplements can be an incredibly useful way to maintain health, and that includes healthy sleep. There are many supplements out there that can help you maintain a healthy sleep cycle. Whether you’re experiencing active sleep problems or you just feel like you could be sleeping a little better, supplements could be a great way to do that.

One beneficial way to add sleep-based supplements to your routine is to use CBD sleep gummies from Charlotte’s Web. These gummies have both CBD and melatonin, which makes them a useful method of helping to maintain healthier sleep cycles. Plus, they’re portable and easy to place on your nightstand so you never forget to take them.


There are many different ways you can increase the healthiness of your sleep. Whether it’s as simple as moving to the couch to work or you decide to add CBD sleep gummies from Charlotte’s Web to your routine, you can implement some of these points to make your sleep healthier and more effective. Try them out either individually or side by side for even better results.