Vijayan dan isterinya yang kini masing-masing berusia 70 tahun telah mengembar ke 23 negara di dunia daripada hasil pendapatan mereka yang hanya menjual teh tarik di perkampungan kecil, Kochi, India.
Turut disenaraikan dalam ‘Senarai Usahawan Terkaya Forbes’, Vijayan berkata segalanya tercapai selepas perniagaan kecilnya berjaya.
“Ia adalah impian zaman kanak-kanak saya untuk melakukan pengembaraan seluruh dunia. Saya mencari jalan untuk mencapai impian itu dengan mengumpul duit melalui jualan teh di tepi-tepi jalan di Kochi sebagai pendapatan tetap.”
Vijayan mula menjual teh pada tahun 1963 dan menjadi popular. Sekarang, melayani lebih daripada 300 hingga 350 pelanggan setiap hari, Vijayan dan isterinya akan menyimpan Rs 300 (RM18) setiap hari dan menghabiskan sejumlah wang yang sedikit untuk berbelanja.
Gerai teh mereka adalah salah satu tempat minum teh yang paling terkenal di Kerala dan terus dikunjungi dengan pelanggan sepanjang hari dan malam.
Looking For Car Insurance For Women?
Some women have the believe that car insurance is more expensive for them than for men or families, but in fact car insurance for women is based on the driving record, the age of the car, and various other factors. In fact women are frequently quoted lower rates than their male counterparts because of their safer driving records. Certainly every woman has heard a man utter the phrase ""Women drivers"" and roll their eyes to insinuate that women are inferior drivers. However, statistics show that women tend to have fewer accidents on the whole than men do, get fewer tickets for moving violations, and the accidents women have are generally minor.
Tips for Getting Discounts
There are a number of things that women need to point out to the insurance company when they are purchasing auto insurance that may qualify them for discounts if the insurer is aware of these items. Some of these points help the woman gain discounts as well as lower premiums, particularly when they are combined. These include a checklist that includes:
Good driving record and history.
Safety features on the vehicle including anti-lock braking system, air bags, alarms, and tracking chips.
Combined policies, such as home and auto.
Driver age is also important because senior drivers with good driving records are eligible for discounts as well.
Non-smokers also may get discounts on insurance policies.
Tips for Buying Insurance
There are also several items that women need to consider when they are researching car insurance for women, and things that women need to thoroughly research before purchasing. When they pay attention, and compare the services and policies offered by the various insurance companies, eventually they can find the best company to accommodate their insurance needs. Some of these items include:
First, the different types of insurance coverage need to be covered and thoroughly understood.
Second, have a solid understanding of the state's requirements for the type and amount of insurance that needs to be covered.
Third, understand that a higher deductible means lower premiums for the insured.
Fourth, compare combinations of policies, such as combining the home and vehicle insurance because frequently there are discounts for joining the multiple policies.
Understanding Three Basic Types of Coverage
Probably one of the most confusing aspects of purchasing car insurance for women is trying to sort out the different types of coverage. For example, determining the difference between an umbrella policy and a comprehensive or between bodily injury liability and uninsured motorist bodily injury and figuring out what is needed, what is required, and what protects the driver the best. A basic explanation of the basic types follows:
Liability is required by the states and protects the driver, passengers, and other victims and property that are injured or damaged in the accident. It includes such expenses as medical, lost wages, and even to the extent of covering pain and suffering.
Collision is an excellent policy to have because it covers repairs or replacement of the vehicle involved in the accident. If the vehicle is totaled this type of policy covers the market value of the car toward a replacement.
Comprehensive is another great policy that pays for repair or replacing the vehicle if it's damaged in a flood, high winds, or fire, if it's stolen, or damaged due to vandalism.
Certainly within each of these basic types of policies are specific policies that cover explicit areas such as towing and labor, more specific property or bodily injury, and these have varying prices on the premiums as well. It's best to check out the entire range of policies and determine what fits the best.
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