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Mercedes has long looked at the entire U.S. auto market as fair game, meaning it is not just a place where it can sell luxury vehicles, but a place to market low budget vehicles too. Unknown to some American motorists, the Mercedes name is much broader than simply being a luxury make. Like its German rival, Volkswagen, Mercedes sells cars in Europe that compete directly against the Golf as well as against the luxurious VW Phaeton. Still, introducing a budget Benz to America is a psychological hurdle that parent DaimlerChrysler is delaying making a commitment to. Lets take a look at the proposed B Class and the reasons why the model not make it to the U.S. anytime soon.

For starters, the proposed B Class is based upon Mercedes A Class line of cars. Okay, that tells you a lot! In short, the A Class is a true line of compact cars that are popular in Europe. If you were to give serious consideration to purchasing a Volkswagen Golf you would consider the A Class to be its logical competitor. A slightly larger model, the B Class, makes better use of engine placement and design to produce a car that isnt much larger than the A Class on the outside, but is almost as roomy as the S Class is on the inside [when configured as a wagon].

Beyond all of that, the B Class will be built with Mercedes electronic stability program and come equipped with more standard features of any car in its class. Basically, the B Class would be about the size of a Rabbit with all the typical Mercedes gadgets and trim that Mercedes owners prefer. So, if the B Class were to sell in the U.S., most models would likely retail for around $25,000, which is well above the price of a fully loaded Golf.

Published reports via automotive sites and blogs are indicating that the car may not make it to the U.S. due to several concerns. These include:

Cost factor. Mercedes lost plenty of money in 2005 and the company is doing all it can to return to profitability as soon as possible. Preparing any car for the U.S. market takes time and costs money; DaimlerChrysler is loathe to expend money on a project that may not be profitable at the start.

Consumer perception. A very strong psychological aspect must be overcome first and that is consumer perception. While the Mercedes name adorns a variety of vehicle levels in Europe the name is perceived as pure luxury in the U.S. Mercedes remembers Cadillacs attempt in the past to produce a budget Caddy [remember the Cimarron?] and how those attempts failed miserably.

BMW. BMW is also considering importing a budget model, the 1 Series. Expect Mercedes to get serious about the B Class if BMW imports the 1 Series.

Presently, only the sedan and wagon would be imported to the U.S. and any hatch versions would stay in Europe. With available diesel power, the B Class might thrive as customers gravitate to a car capable of cracking 40 miles to the gallon. Introducing the B Class to the American market is a risky proposition, but what is there about selling cars that isnt?

Can you think of ever living without a home? Your answer will definitely be a no. So why not insure the abode where we live. It is the perfect time to buy a home insurance for your home sweet home.

It is easy to think that you will never need a home insurance because nothing might happen to you. But calamities and mishaps come uninvited. In UK, one in three of us will get burgled at some point of our lives; apart from that there are other calamities like earthquake, storm etc. which may threaten our homes, and their contents. So if we dont have home insurance we may be in heavy financial loss.

There are different types of covers that come under home insurance policy. These covers may give protection for basic aspects of your home: the building structure that includes other buildings such as garage; the contents within the house; cover against liability; the costs involved when you have to leave your home for a certain period of home.

In the first area, the building will be protected against damage to any parts of your home, such as walls, windows, doors etc. This includes even damages that may happen to your garages and sheds that are within the compound of your house. But it should be kept in mind that your policy cover will not include costs of the damages done by some objects that was present before the signing of the insurance deal; say for example termites, rats etc.

The contents within your home will also be protected by your home insurance, but before signing your deal the insurer will take a note of all the things and their price that are there in your house. And if you buy any item you should update it with the insurer.

The third is the liability coverage. Say for instance if someone dies or gets injured in your house, your insurance company will pay for the cost of his/ her treatment.

And finally the cover that includes the costs of repair or rebuilding and even replacement of the contents, if you leave your home for a certain period of time. A fire may take place and completely burn down your house; a theft can also take place. Hence, it is better be insured than be sorry.

Now coming to the most important part; it is decision to choose the type of quote that you need to buy for you home. As a consumer, you require to have a detailed knowledge of all the pros and cons of all the home insurance policies that are available in the market.

Nowadays almost all insurance companies have their personal websites. All information can be gathered from those websites. Internet services have made the life of people easier and organized. All you need to do is to search for the right kind of quote and insurance policy.

For farmers, money is often tight. A farmer is at the mercy of the elements, and his or her crop is what feeds his or her entire family. Losing a crop is a terrible thing, but so is losing the equipment that is required to tend to that crop.

For farmers, there is protection against at least a little of that danger, and the protection is well worth the extra dollars spent. It may mean tightening a belt or two to funnel extra money into farming insurance, but the extra effort is worth the rewards should something happen to your livelihood.

A hailstorm could ruin an entire crop, but your farming insurance will help you to recover from what would otherwise be a debilitating loss to your finances and your way of life. The protection offered through the farming insurance might mean that your farm is saved to plant again next year.

Damage to your equipment can be almost as debilitating, if not more so, than damage to the plants that are your life. A tractor that stops running is as much use as a pile of dung in your fields, but your farming insurance can help you to repair or replace the tractor. The same protection extends to the truck that you use to haul farm equipment or the trailer that you transport your animals in.

If you are a rancher then your cattle are protected under a similar policy, meaning that should they become too sick to sell, you will be covered for your losses. Your transport vehicles are protected, and your life can go on as normal after what would normally be a terrible disaster.

Farming insurance also protects your outbuildings from things like fire and flood, almost like a home owner's policy for your barn. The outbuildings themselves and all of their contents should be protected from damage by your farming insurance policy, so that you can rebuild quickly should disaster strike.

Irrigation equipment is also covered under most farming insurance policies, so that if someone takes a detour through your fields and damages your equipment, you are protected. Many farming insurance policies also cover liability insurance, meaning that if someone (like a crop picker or a child on a tour of your farm) is injured while on your property, you are protected from having to pay for the treatment of the injured party.

Protecting yourself from these eventualities now might seem like a waste of money that could be spent elsewhere, but when the worst happens you will be more than glad for the protection that you are offered. A little money spent every month now can be the difference between having a hitch in your giddiup and complete ruin.

That little bit of extra money offers protection from so many diverse disasters, from the ruin of your crops to the death of your animals. The protection ranges from your equipment to your farming vehicles, and covers everything from your outbuildings to your irrigation systems. Farming insurance protects you from disaster.

Check with a local insurance agent to see what you can protect, and what is covered in the best policy for you. Every state has different insurance rules, and each state has a different policy on what crops are insurable on a local level. Spend the money now, and your trees/grape vines/corn are safe for tomorrow.