1    Park the car out of direct sunlight. This prevents premature drying which can leave splotches on the paint.
2    Set everything you will need near the car.
3    Fill a bucket with water and add car wash soap in the quantity directed on its bottle.
4    Fill another bucket with plain water.
5    Hose off the car to loosen the dirt. Don't use a strong jet, as this can rub grit over the paint and scratch it.
6    Soak a large wash mitt or sponge in the soapy water, being certain to wash out any dirt in it, and begin applying it to the car. Do not use a brush on the car body -- this will leave little scratches.
7    Wash the car section by section, starting at the top. Circle around the car several times, washing lower areas with each round.
8    Rinse the dirt out of the wash mitt or sponge in the bucket with plain water frequently.
9    After one section is washed, rinse it with the hose before moving on. You don't want the soap to dry on the paint and stain it.
10 As you progress, keep the entire car wet, as this will prevent droplets from drying on the paint and leaving water-spots. You want to be able to dry the car with towels before it air-dries.
11  Scrub the lower body and the wheels last, as these are the dirtiest, grittiest parts. It's a good idea to use a seperate wash mitt or sponge on the bottom six or so inches of the car's body, as this can get especially gritty.
12  Use a long, skinny wheel-brush for cleaning the openings of the wheels. If the wheels are very glossy, instead use a sponge or a mitt to clean them just as you would the car body after hosing off as much of the excess grit. The clear or reflective coating can scratch.
13  Clean the tire sidewalls with a plastic brush to gently remove the excess plasticizer that (as is normal) oozes to the surface of the tire over time to protect the outer layers but can make it brownish.
14  At some point rinse the bottom of the car vigorously, from various angles, with a spray nozzle. This is particularly important when the car has been exposed to salt which, together with even normal atmospheric moisture, can rust the car quickly. It might be best not to do this before a long humid period in case it could speed rusting.
15  Dry the vehicle with fresh towels.

Life insurance transactions, there are four people in the legal sense: the insurer, the insured, the insured and the beneficiary, the insurer is usually an insurance company, the insured and the insured often the same person. For example, Joe Smith bought life insurance, he was insured and the insured; However, if Joe Smith's wife, John Doe Joe Smith by Joe Smith agreed to buy life insurance, John Doe is insured, then someone is insured . Constitute a life insurance contract, insurers and the insured party, the insured person the relationship between the insurance contract. Another important person is the beneficiary of the relationship. Beneficiary because of the death of the insured person to obtain insurance. Not for the benefit of the parties to insurance contracts, whether the benefit of their own can not decide, but by the insured selected, the insured needs to change or designated beneficiary upon consent of the insured, the beneficiary must accept the change.

Life insurance contracts and other insurance contracts, is a specified risk of legal terms and conditions of the contract. In the liability exemption in the agreement, including terms of suicide, including some of the restrictions. Suicide provisions, if the insured is within a certain period of time after (usually one or two years) committed suicide, the insurer does not assume responsibility for payment. Most life insurance contracts have an observation period (usually two years), if the insured dies within this period, the insurer has a legal right to decide to pay the insurance premiums or refund.

When the insured died or reached the age when the insurance contract, the insurer pay the insurance money. One reason people buy life insurance is to prevent death of the insured beneficiaries because of financial difficulties led into. Insurance proceeds to pay for funeral and other death costs, and investment income can be replaced by the salaries of the dead. Another reason for buying life insurance is life insurance can be the family estate planning. To prevent the retirement retirement caused by the impact of reduced income.

Insurer's pricing policy and intended to pay the insurance amount, management fees and profits of the book. Book the amount of insurance benefits by reference to actuarial life table (Life table) to determine. Actuarial methods used in mathematical probability theory and mathematical statistics. Life table is a show that average life (mean residual life) of the form. Typically, the life table consider only the insured's age and gender.

Insurance company from the insured or the insured, where premiums charged, the use of the funds in a given period of principal and interest and to determine the amount of insurance benefits. Therefore, life insurance rates on the insured person's age is very sensitive, because the insurer that the age of the older people to pay premiums for the investment of time is too short.

Harmful habits because of the insurer may have played a negative role in operating results, so the insurance policy allows people in the context of the maximum on the insured person started living Investigate. Insurers will cover in detail before the inquiry and record as much as possible the insured person's lifestyle and health. Under certain conditions, like the high amount of insurance or suspected hide this matter, the insurer will investigate further. Many cases, the insurer of physicians from the insured person is allowed access to get information.

Law and life insurance coverage is not mandatory for all people. The insurance company to determine who can cover, which because of their own health and lifestyle reasons for exclusions. However, if the non-healthy lifestyle, or the risk of sub-standard physical cause can be estimated, the insurance company may agree to cover the fee increases.

When the insured person dies, the beneficiary to the insurance claims submitted by death certificates and forms for claims. If the suspicious death of the insured, the insurer may have killed the insured person meets the provisions of the insurance contract to carry out the investigation.

Insurance coverage for one-off payment sometimes can also be specified in the contract payable in installments, to protect beneficiaries in a certain period of life.