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We don’t think much of hauling services in our daily lives, but they are crucial to our civilization. When the trash is piling up, who are you going to call? If you’ve ever tried to get rid of a microwave, refrigerator or air conditioner, you know the true value of hauling companies. There are laws and regulations that need to be followed, and they know all of the details about how to get rid of these types of items properly.

Types
There are many different types of hauling services. Some companies haul away rubbish and remainders that are left after a construction project is completed, while others haul trash for major businesses and apartment complexes. Additionally, hauling services include tow truck businesses, moving services and vehicle transporters (hauling a car, boat, RV or other large vehicle cross country or overseas).

Who Hires Hauling Services?
Large retail businesses like Wal-Mart and Home Depot who get rid of a lot of trash and unneeded rubbish need hauling services frequently. They have dumpsters behind their stores that get filled with trash quickly and need to be taken away on a regular basis, sometimes daily. There are also boxes, recyclables and broken items that can’t be put back on the sales floor or returned. Apartment complexes are also frequent customers of hauling services. Residents have to dump their garbage in one common dumpster, which needs to be emptied frequently. Other customers of hauling services include individuals who are moving, building crews and municipalities who are responsible for removing trash created by their residents.

Hauling Equipment
Hauling services usually require a large investment in equipment, namely trucks and hauling tools. A rubbish and trash hauler will need specialized dumpster trucks that are built to pick up entire dumpsters and either empty them or haul them away. Towing businesses have to purchase wreckers, which are the tow trucks equipped with tow bars that allow the driver to drag an automobile behind using its own wheels, and flatbed tow carrier trucks that pull cars, SUVs and motorcycles up onto a flat surface for hauling. There are also heavy-duty tow trucks that are powerful enough to pull huge trailer trucks. Moving services and vehicle transporters usually employ standard trailer trucks to perform hauling duties.

Considerations
Hauling services will forever be needed. The standard individual does not have the equipment or capacity to haul items on his own. Commercial locations have to keep up with state and local laws regarding trash removal, so they must keep ongoing contracts with hauling services.

Starting a Hauling Service Business
If looking into this type of business, it’s important to remember that hauling is hard work that usually requires a serious physical commitment from the owner and employees. Many hauling services get their business from customer referrals and by advertising their services on their hauling trucks, as in the case of U-Haul

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Few consumers are aware that insurance companies typically use credit information when evaluating an auto insurance application. According to the Insurance Information Institute, insurance companies have recognized a connection between credit history and claims risk. Those with poor credit scores are 40 percent more likely to file claims than those with clean credit histories. Although getting auto insurance with bad credit can be a challenge, there are ways for credit-challenged consumers to get the coverage they need.

Obtain a copy of your credit report from Equifax, Experian or TransUnion. Review the information contained in the report carefully. If you find erroneous data, write a letter to these credit bureaus asking them to investigate and remove the data. This can help your odds of obtaining car insurance through a standard company, and can allow you to obtain coverage at lower rates.

Shop for quotes from several companies. You can obtain quotes online or use an insurance broker to obtain multiple quotes quickly. If you use a broker, let him know that you have bad credit. He will be able to select companies that accept credit-challenged applicants. You can then compare quotes and coverages to get the best deal for your money. Make sure you compare policies with similar coverages, so you can make a fair choice.

Ask a captive agent if her company offers “no credit check” auto insurance programs. Some companies offer “no credit check” options, even if they typically use credit scoring to determine acceptability and premium rates. Keep in mind that insurance companies usually charge higher premium rates for “no credit check” programs.

Contact “direct writers,” which provide quotes and sell policies via the telephone or Internet rather than through field agents. Some of these companies do not use credit information when evaluating applicants. This also gives you the advantage of being able to purchase your auto insurance policy without leaving your home or office.

Look for “high risk” insurance companies. These companies specialize in helping consumers with poor driving histories, bad credit and other challenges. Most high risk companies do not pull credit reports. These insurance companies typically charge higher premiums than standard companies, so explore other options before buying a policy from a high risk auto insurer.

Keep your driving record clean. Companies will sometimes accept credit-challenged applicants who demonstrate safe driving skills. A good driving history can help make up for past credit problems.

Expediter services transport time-sensitive freight for manufacturers around the country. Often a company needs to send products quickly. Expediter vehicles can deliver to areas that large vehicles are unable to because of regulations or limited space. You can start your own expediter company if you have a van or small truck, but you must make sure you have the necessary licenses before you begin.

Talk to other expediters about their work. A successful expediting company requires dedication and you could be away from home for days delivering freight. Talking with others will help you decide if expediting is right for you. You can find expediters to talk to by going to local truck stops and online forums.

Apply for a free Employer Identification Number . Your EIN is your business Social Security number for taxes. File for your EIN using your business name.

Incorporate your company. According to the Internal Revenue Service, “LLCs are popular because, similar to a corporation, owners have limited personal liability for the debts and actions of the LLC.” An LLC will suffice in most states for personal asset protection although as the owner, you will have to guarantee any debts that the company incurs. Apply for incorporation through the secretary of state in your home state. The cost varies from state to state.

Apply for a U.S. Department of Transportation number. Each motor carrier must have a USDOT number. File for your USDOT number under your business name. There is no cost to receive a number.

Contracting with an established company (lease-on) with your small truck or van to gain first-hand knowledge about everything from paperwork to potential earnings. As a lease owner, you will have the opportunity to know the load’s gross revenue. Do not contract with a company with the intention of stealing their client base. Most company’s have a “no-compete” clause in their contracts, which prevent you from legally obtaining freight from one of their customers for at least two years. Look in your local newspaper’s classified ad section to find local company to lease with, or apply with a company online.

Apply for operating authority . The U.S. government requires all interstate carriers to obtain Motor Carrier (MC) number from the Federal Motor Carrier Safety Administration. After you receive your MC number, you will need insurance as well as hiring process agents. A process agent represent your company and cab accept legal documents for you in every state. It costs $300 to apply for your MC number. The cost of insurance will depend on the amount of coverage, your driving history and the amount of time you’ve been in the business. You can locate a service that provides process agents through the FMCSA. A process agent service will cost $50 or less.

Apply for any local permits your city or county requires.
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Commercial trucking companies are part of the US economic infrastructure, moving goods across the United States 365 days a year. There are no direct government grants for commercial trucking companies, however there are federally-funded grant programs to help commercial trucking companies obtain the financing needed to operate their businesses.

Industry Statistics
According to www.truckinfo.net, in fiscal year 2008-2009, the total revenue for the American trucking industry was estimated around 225.5 billion dollars. Common carrier and for hire commercial trucking companies generated 97.9 billion dollars of revenue which out-gained air transportation by 19 billion dollars. Private trucking fleets generated revenue estimated at 121 billion dollars.

DOT Certification
THE DOT provides grant funding to state DOT agencies for business development. This funding creates financial programs for businesses that do commercial trucking. A requirement is that commercial trucking companies be certified and approved by the USDOT to operate as a commercial or private carrier.

Types of programs
There are several types of programs funded through the USDOT and the SBA. An example of a grant funded program is the DOT Short Lending program. To apply for this program, a commercial trucking or transportation business must not be a start-up business and must have obtained special certifications through the USDOT and SBA. The maximum loan amount for commercial trucking companies is $750,000. The loan is treated as a revolving credit line.

SBA financing programs
The SBA has several programs that are financed by federal funding to help commercial trucking companies obtain operating funds. The 7(a) Loan Guaranty program can be used to assist in annual operating cash and the 8(a) Loan program can be used to obtain working capital loans and loans for fleet management and maintenance equipment.

Government procurement contracts
Your commercial trucking business can use the government procurement system set up by the USDOT. You can participate as a contractor or sub-contractor, which opens your firm up to many financial opportunities. Many commercial trucking companies funded their business with a basic procurement contract while establishing business relationships with vendors. If your company needs a loan, a procurement contract can act as collateral to obtain a loan or line of credit.

Take Advantage
If you own a trucking company, the best financing is through affiliation with the programs developed by the federal government. These programs also have provide business development modules in areas of technical training and import and export development services to the transportation industry. Become affiliated with a USDOT specialist by contacting your state or federal DOT office.

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A G1 test is the written theoretical test that drivers must take before getting behind the wheel of a car in Canada. The test is the first step in getting a full license. After the G1 test is completed, the driver must drive with an experienced driver until the G2 test has been completed. The G1 test does not give drivers a full license and a driver cannot drive alone based on passing the G1 license

Contact the Ministry of Transportation in the province of residence to learn the minimum age for taking the G1 test. While it is usually 16 in most provinces, it is better to be sure before beginning preparation for studying. You can find the telephone number of your province’s Ministry of Transportation in the telephone directory or by doing a Google search online.

Read the driver’s handbook for the province in which the G1 test will be taken. It is important to read the right handbook, as there may be different rules for each province. For example, tractors are more common in the prairie provinces than in Ontario and there are specific rules regarding passing them on the road.

Take notes while reading the handbook. Focus on basic driving maneuvers, meanings of traffic signs, the responsibilities of the driver, basic rules of the road and emergency situations.

Attend driving education classes to put the theory into practice, if feeling unsure about the theoretical handbook material. These courses may be offered by school districts, community programs or driver’s education courses offered through the Ministry of Transportation. Research each program available in the local community. The courses are often required before taking the G2 test, which is the actual road test.

Contact the local department of the Ministry of Transportation to schedule your test. Depending on where the test is taken, there may be specific times when you can take the test. In some places, you can just walk in and take the test on the spot.

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Pickup truck tires are rated and tested by many automotive and consumer research companies. To rate the tires you need or are considering, decide how you use your truck (off-road, for instance), the everyday driving conditions you encounter (freeway traffic, inner city driving) and other factors, such as tread wear warranties and price. A good baseline when shopping for and rating tires for your pickup is to ask yourself how you would rate your current tires. Decide the pros and cons of your current tires especially the cost and decide what you need and want in a new tire.

Choose a tire based on how you spend the majority of the time driving. If you spend a lot of time off-roading, compare and rate tires in this category. If you spend most of your time commuting to and from work on the freeway, consider such factors as road noise, tread wear and all-weather characteristics.

Pick a tire model based on the wheels you have. If you ride on custom rims, you’ll probably want a sportier look in your tire. The overall look of your truck also is a consideration. If it’s a work truck, chances are you’ll want a tire that tests well in mud-stick tests but don’t care about high noise levels on the freeway. For example, Petersen’s 4-Wheel & Off-Road says Pitbull Maddog Mud Tires are “built for heavy-duty trucks with a high load rating, and, like any good hound, they’re not afraid to make some noise. All things considered, we’ll keep them around and will surely put many more miles on them, but, like a special needs critter, they’re not for everyone.” These are not tires for a truck that spends its time driving the kids to soccer practice every day.

Buy a tire that has good steering response, cornering ability and traction on wet pavement if you drive a lot on winding country or mountain roads. You wouldn’t choose the Dunlop Signature CS, which Tire Track rates as having “quiet and comfortable ride quality” but is lacking in “steering response, cornering stability and wet traction.”

Compare the load capacity ratings of tire reviewers. Nothing will impact your tire performance more than the weight of both your truck and payload.

Read reviews. There are hundreds of magazines and online sites that rate pickup truck tires. Know what you want and what you can spend, then read some reviews. The amount of material available is staggering.

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Insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; the insured, or policyholder, is the person or entity buying the insurance policy. The amount to be charged for a certain amount of insurance coverage is called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

Age
Age has a great effect on all types of insurance policies. In auto insurance, your age helps to determine your driving experience and potential risk. In general, auto insurance companies consider young, inexperienced drivers to be higher risks than older, more mature drivers. Life insurance policies generally rate younger policyholders with less risk than older policyholders. Younger policyholders generally have a less expensive life insurance policy because they are generally thought to be healthier, and therefore, a healthier risk.

Location
Location can be an important factor for many policies. Insurance companies often research and analyze locations for statistical information. If you reside in an area whose statistics show a high rate of criminal activity and theft, your business and auto insurance costs may increase. These rate increases are due to the rise in insurance risk. The same business or auto insurance policy may be substantially less in a community with little criminal activity and theft.

Career
Your career or overall industry can have an effect on your insurance rates as well. While your position may affect one policy, it may not affect another. For instance, an air traffic controller experiences high stress levels on a daily basis. This continuous stress can have an effect on the individual’s overall health. Therefore, this individual may find subtle increases in life and health insurance policies. However, the same air traffic controller may have an inexpensive auto insurance policy because this aspect does not affect his or her driving abilities.

Insurable Asset
Insurable assets have a great effect on your policy’s rates. These aspects vary from policy to policy and person to person. In auto insurance, the insurable asset is the policyholder’s vehicle or vehicles. Sports cars, sport utility vehicles and expensive luxury vehicles are generally highly rated and result in higher premiums. However, the policyholder’s combination of other factors, discounts and coverage selections can result in a lower premium. Sports cars and sport utility vehicles usually result in high premiums because they are more apt to be involved in accidents that result in excessive damages and injuries. In life insurance, the insurable asset is the person. The healthier the person, the less expensive the premium will be. If the person is a nonsmoker who exercises regularly and visits their doctor routinely, the person will be more likely to obtain a less expensive policy. In home policies, the age of the home, the type of roofing and security features help to determine the premium rates. The home is the insurable asset, and its risk is dependent upon its specifics.

Credit
Although credit is not used as a rating factor, credit can be used to determine the payment plans made available to the policyholder. Insurance carriers use an insurance credit score, which is generated by using factors from your credit report. Each carrier has the opportunity to use their own criteria and credit report selections. Additionally, each carrier uses its own combination of rating factors to determine your score. Therefore, your insurance credit score can be different with each carrier.

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