It was just last week was the first time I had visited OverStock.com in quite some time. The first thing I noticed was there was some changes made. I quickly made note to myself that I wanted to come back and spend some time.

Did you know that OverStock.com was started in 1999 by a  Dr. Patrick M. Byrne. He recognized the potential in liquidating excess inventory through this relativity new media called the Internet. He had the idea of offering a wide range of products at bargain prices of closeout merchandise.

Shortly after their launch there was these neat clean television commercials about OverStock.com. After 10 years of success there are still going strong. The commercials still have the white, clean not nonsense approach to bring visitors to there website, as portrayed in their 10 year commercial.

Once a week we like to go out to eat as a family. This last Friday we were sitting around trying to figure out where we were going to go. Then my wife pulled out an envelope with some coupons she had clipped out of the sales sheets that come in the mail.

After some discussion we went to Arby’s. Each member of our family walked up to the order counter with our coupons in hand. Basic we all told the cashier we wanted what was on the coupon. The coupons that did not include drinks were order separate.

How prepared are you? Do you have a home first aide kit? Do you have enough insurance for when you are involved a major accident?

There is the little home disasters that can affect you day to day living. What about your cell phone dies? Your computer decides not to start. What would you do? When the car will not start in the middle of Wal Mart parking lot? Your son or daughter comes running into the house with a major cut on their hand.

It is a universal principle that if you are a good steward to what you have you will gain more. Those who are bad stewards will lose what they have. You see these people who never seem to have anything nice. They don’t take care of what they have, or they are replace what was stolen from them.

I hang my head low in shame over the amount of stuff I have had stolen or lost over the years. I must admit it was through carelessness on my part. I either did not lock locks or I left valuables in open tempting people to come by and steal from me.

On the first day of February, I set down with James Stocker from Silver Key Insurance INC.  to discuss some basic questions around insurance. I chose James because he handles insurance for auto, home, along with other types insurance. He is not tied into just one or two insurance companies. James has an offering from quite a selection. Thus giving us the most objective look at the important facts about getting auto insurance.

Drivers, in Idaho are required to carry a minimum liability of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident in property damage coverage. This does vary from state as well as the penalties for not having auto insurance. That is why you need to go to auto insurance requirement, state by state to find out what you need.

It is not the miles per gallon divided by the price of gasoline.  There are other factors when it come to

determining the cost of driving your family car per mile.

• The cost of gas divided by the miles per gallon that is gotten by the family car.
• The cost of car needs to be divided by miles expected to be driven over the ownership of the car.
  • Divide the cost of the cost after interest of loan for the car by the number of months of ownership.
  • Divided that number by the number of  average miles driven in month.
• The monthly cost of insurance divided by the average number of miles driver per month.
• Now divide the maintenance cost of the family car by average number of miles driven per month.
• Divide the cost of car wash, parking, and any other costs by the average number of miles driven per month.

Finally, add of all the totals from the above. Then you have the cost it takes to drive your family car per mile.

Just so you will know it cost us 69 cents  per miles to drive our family car down the road. Now it only costs me $7.63 to ride my bike per month. I mean the type of bike you peddle.