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Work hard, play hard just like the song.Pay off your dept aggressively. (I have one job, a job that allows me to collect my earnings each day) I have auto deductions, about $70 each day automatically goes to my credit cards meaning if I keep my auto deductions running every day this year and I had $15,000 in dept, I would pay it before the end of the year.Save money aggressively. I also had $30 of auto deductions coming from my bank to my savings every day. I decided to put that on hold until I pay my cards first. When my debt is paid, I will switch my auto deductions to my savings.When you have a substantial amount in your savings, look into investment opportunities, mutual funds, stocks that provide dividends, your own business.Work hard at whatever you do. Continue to save aggressively. Depending on the type of person you are. Forget about the car itself, I feel it's almost nessesary in order to be in a position one day to get the car or you can put a poster in your room with the Lamborghini you like, hopefully a Huracan or Gallardo so you don't spend as much.Build your experience, get promotions, apply to higher paying jobs. Work your way up the ladder.When you get up to $100,000 plus per year, start thinking about it again and decide, is this still what I want and keep saving aggressively regardless.If you don't make at least $350,000 per year, don't buy the car yet unless you have more than double the cars value in your savings. Keep saving like crazy and gradually try to increase the amount you save daily or weekly. You'll thank me later. Then finance or lease the car if you think your ready and make sure your significant other (if applicable) is ok with the purchase. Also have a contingency plan ready to sell the car if you need to later.Best of luck. Hope this helps. Here's a motivational picture to get you going.PS Don't get very distracted on technology, social media, social life. All this needs to take a big cut to get where you want. Then later make time once you have a nice steady income. Choose partners that will support you and won't hamper you the rest of the way.

PAP vs. BAP...Which is the Best?PAP vs. BAP...Which is the Best?​Often, your clients have a choice about whether to insure their auto(s) under a Personal Auto Policy (PAP) or a Business Auto Policy (BAP)...they may even insist upon one or the other, often due to price. But what about the coverages? Is one better than another? Of course, it depends on each individual situation, but each course of action has its advantages and disadvantages. For example, here is an "Ask an Expert" question recently reviewed by our faculty:"Recently we have had several personal lines customers ask to transfer their personal vehicles to their business auto policies. In both cases, the businesses are solely owned by our personal auto customers, but they are incorporated. The business auto rates are less (at this time) than the personal rates. We are strongly discouraging this transfer, and have explained the problem with titling, registration, ownership, etc. We would like the experts' opinions on the coverage advantages/disadvantages of personal auto vs. business auto with DOC. Thank you!"This question often comes up when insureds have the option of insuring autos under either a Personal Auto Policy (PAP) or a Business Auto Policy (BAP). While there is no definitive correct answer, often the PAP is a superior way to insure the exposure. Again, which form is most appropriate for an insured depends on their particular circumstances.If you'd like to review the policy forms in question, click below to open up the policies in separate windows:ISO 2005 Personal Auto PolicyISO 2006 Business Auto PolicyIf price comparing be sure you're comparing apples with apples by selecting the same coverages...make sure the BAP is priced with Symbol 1 liability and Symbol 8 physical damage, along with UM/UIM and medical payments, plus PIP if applicable. Also make sure you're comparing the same limits and don't forget the need for umbrella coverage...you're probably going to find generally broader coverage and a cheaper price for a Personal Umbrella Policy (PUP) vs. a Commercial Umbrella Policy (CUP) as long as the PUP covers business use of autos. In addition, you might find it difficult to get a CUP issued with a PAP as underlying coverage.Neither policy even talks about registration or title specifically but physical damage is like all property or inland marine policies. The "insured" must have an insurable interest in the property. PAP eligibility is contingent upon "ownership" (as are "acquired autos," unless leased) — however, the ISO Personal Auto Manual does not define "ownership" because this is a legal issue that will vary from state to state, depending on statutory criteria or case law. The same is true for the BAP.Why this is important deals not only with eligibility, but also autos acquired during the policy period. In one instance, like the question cited above, you might have an auto owned by an individual that would like to cover it under a business auto policy of their wholly owned corporation. In another situation, you might have a corporately owned auto that the person wants to cover under a PAP.Using the latter situation as an example, if the corporation acquires a new or replacement auto, is it automatically covered by the PAP? The PAP covers acquired autos when "you" become the owner (or acquire it under at least a six month written lease)...the problem is "you" is defined to be the named insured (an individual, not a corporation) and resident spouse. You don't have to be a rocket scientist (or underwriter or adjuster) to see that this presents a problem.It would be easy to conjure up many scenarios where these type of issues can present problems. So, no matter what course you take, be sure to consult with the insurer to make sure that claims and coverage are what you expect them to be. But, disregarding this issue for the purpose of this article, let's take a quick look at the general advantages and disadvantages of using a PAP or BAP to insure an auto. Here are some ruminations from our PAP and BAP faculty....The Personal Auto PolicyPAP coverage is generally broader and the premium (not counting teenagers and chargeable points) is usually lower. (And it is deductible for income tax purposes. I have one vehicle that I have deducted 90% business use for years that has always been insured under a PAP. Some insureds think they cannot deduct the insurance or depreciate the vehicle on their tax returns. They can. The IRS is most interested in how the vehicle is being used, not how it is insured.)Businesses often get pushed into a BAP for underwriting reasons not coverage/pricing reasons. My business is a corporation so I have nonowned/hired as part of my BOP. I cannot insure vehicles under a PAP using the business name but so what....If I'm driving a vehicle on business while teaching for an IIABA state association and injure someone, me, my corporation and the association I'm working for will be covered as insureds under my PAP and my PUP. My corporation and the association fall under the PAP "omnibus clause" as insureds and do not need to be added as additional insureds. People seem to think that if the vehicle is on the PAP the business itself is not covered for liability. The "omnibus clause" handles that.For some reason agents seem to think that if they have a choice they should always write a BAP in lieu of a PAP and I feel just the opposite. Only underwriting rules should push you to a BAP (trucks, named insured, etc.). PAP provides liability for the use of ANY auto.The PAP does not impose use limitations for family members. Permissive use is not a problem for a family member. The BAP may not afford coverage based on published or spoken use limitations to family members. Your spouse may not be afforded coverage under the BAP as they may not be perceived to have permissive use based on the employer's limitations for use of a company auto.The PAP will not subrogate against a family member. The BAP has no problem with subrogation against the "owner of a hired or non-owned auto" when the BAP pays in excess of the employee's PAP limits when the employee is involved in an accident driving their owned auto in the course of their employer's business.The PAP provides coverage for the use of a non-owned auto and provides the broadest protection available to any covered auto. The BAP requires hired and non-owned coverage election and hired physical damage for coverage to apply.Generally, the PAP provides broader coverage. If you have family members using the auto, don't even think about a BAP...the Individual Named Insured and Drive Other Car endorsements are ripe for errors and omissions. Use of nonowned autos under a BAP is more complex and, if there is a need for rental car coverage, the BAP endorsement is far worse than the unendorsed PAP.From the standpoint of PAP disadvantages, PAP's don't integrate with the CGL for loading and unloading, leaving a potential gap. Only the most recent ISO version gives coverage for business use of non-owned pickups and vans and there's no coverage for business use of non-owned trucks larger than pickups. The PAP does have some eligibility restrictions regarding the type of vehicle but does not have more than a couple of restricted uses, i.e. anyone in an auto business for the use of their customers' vehicles and business use of other than your private passenger vehicle, pickup, van or trailer. Another problem is that many commercial underwriters won't issue a commercial umbrella with an underlying PAP.The Business Auto PolicyThe BAP can be structured to limit use to specified autos or other narrower definitions for a possibly lower premium, but that's not much of an advantage.Perhaps the carrier will allow the named insured to read "ABC, Inc. and John and Mary Jones." Although helping with the named insured issue, this "should" kick out the eligibility for the Individual Named Insured endorsement which provides broader coverage than Drive Other Car (DOC) coverage and is free. DOC has one big problem...the definition of "family member" only applies to MP & UM...it does not apply to liability or physical damage. With the Individual Named Insured endorsement, the coverage is very similar to a PAP.From the standpoint of BAP disadvantages, BAP's don't provide very good coverage for family members, even when endorsed with the Individual Named Insured and Drive Other Car endorsements. Many agents forget to endorse Symbol 8 for physical damage. Monoline BAP's are hard to get from the preferred markets. Generally you need to get the BAP from the same carrier that writes the BOP or CGL, if they offer them. The BAP requires that the use of the vehicle be for the business of the named insured.Here are a couple of related articles:Insuring Personally Owned Autos Under a BAPInsuring Business Owned Autos Under a PAP

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