Giraffes fighting

Tips on Lowering Car Insurance

One of the best ways to keep your auto insurance costs down is to have a good driving record. But that’s far from the only factor.

1. Shop Around - Prices vary from company to company, so it pays to shop around. Get quotes from different types of insurance companies: some sell through their own agents; some sell through independent agents who offer policies from several insurance companies; and others do not use agents at all, but sell directly to consumers over the phone or via the Internet. You can call companies directly or access information online. Your state insurance department may also provide comparison price info on major insurers. Check the financial health of insurance companies with rating companies such as A.M. Best and Standard & Poor’s and consult consumer magazines.

2. Before You Buy a Car, Compare Insurance Costs - Before you buy a new or used car, check into insurance costs. Car insurance premiums are based in part on the car’s sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. For instance, daytime running lights and anti-theft devices can result in insurance discounts. Check out the Insurance Institute for Highway Safety for more information on the cars that are cheapest to insure.

3. Ask for Higher Deductibles - Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15-30 percent; going to a $1,000 deductible could save you 40% or more.

4. Reduce Coverage on Older Cars - Consider dropping collision and/or comprehensive coverage on older cars. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective. Auto dealers and banks can tell you the worth of cars. Or you can look it up online at Kelley’s Blue Book.

5. Buy Homeowners and Auto Coverage Together - Many insurers will give you a break if you buy two or more types of insurance. You may also get a reduction if you have more than one vehicle insured with the same company. Multi-policy discounts are worth looking into.

Critic Stole Star Wars

One of the great things about Star Wars is the thriving 'Expanded Universe' that is continually growing through books, comics, and games. With dozens of titles, it is easy to understand that the cast of characters has grown beyond who we see in the movies.

As part of an ongoing series, I will be looking at some of the major characters from the Expanded Universe. This week's focus is Rebel Squadron pilot and Jedi Knight Corran Horn.

Corran Horn stands out as a major character in the Star Wars Universe, but has never been seen in any of the Star Wars movies. Like Mara Jade, Corran has become a fixture of the Star Wars Universe for book and comic readers, but unlike Mara, he did it as a leading character of several stories.

Corran was created by author Michael Stackpole as the lead character in his surprising good X-Wing book series. I say surprisingly good not for Stackpole's abilities, but for the way the book series was set up.All the Fans down in Fanville loved Star Wars a lot - but the Critic who lived just north of Fanville did not!

While it was true that no one quite knew the reason he hated Lucas and declared the prequels an act of treason. Some said it was because his tie was tied too tight - others because his glasses just didn’t let him see right. All that was known was the bitterness of his film reviews arguing how the Force now only inspired him to take a snooze.

How To Start Bid And Win

You can bid on an item without attending an auction personally by submitting an "absentee bid". The bid is submitted on an item prior to the auction starting by whatever means the auctioneer has specified.

Whether you're in the market for an antique typewriter or a high-end laptop, you're bound to find the item you're looking for at one of the many auction sites on the Web. Most auction transactions are easy and smooth. However, auction fraud is on the rise. You may find that the item you receive is not what the seller promised. Or, you may never receive the item that you won the bid on. You may even discover that a seller has used your information to steal your personal information or your identity. Fortunately, you can help to prevent auction fraud by doing a little research and by following these tips.

If you've never used an online auction site, read the site's help file before you place a bid. Also, make sure you understand the site's privacy statement and its user agreement. For example, once you place a bid, most auction sites will not let you back out of the deal if you win the item. Check for insurances and guarantees. Some sites will reimburse your money if you've been scammed.

How to make online successful relationship Part-2

Compared to the "real world" dating, some people view online dating as less safe. Nothing can be further from the truth!

The opinion probably persists due to the fact that in real life we usually meet people who were introduced to us by someone we know and trust, or in a transparent situation, such as at work or school/university.

But because no one introduces you to your online dates, this does not mean online dating is unsafe - quite the opposite!

In fact, meeting someone online is much safer than meeting someone at your local bar: you cannot get hurt by sitting in front of your computer.
All you need to do to make online dating work for you is to exercise some caution. You would not let a stranger into your home and your private life, without getting to know them first, would you? Don't do it online, either.

How to make online successful relationship

It is possible to find the right man or woman for you on the Internet. Online dating has brought thousands of couples together who would otherwise never even have met. When you attempt to start an online friendship, it is in the hopes that it will turn into a healthy romantic relationship.The first question that you need to ask of a prospective date is, "What is the biggest mistake that you could make with online dating?".

The answer to that will likely reveal a lot to you. Such as what their attitude is towards the opposite sex and online dating in general, and what issues were really important to them in previous relationships. Another question that should give you insight into their online dating experiences is to ask how they are liking online dating so far. Not only will you learn more about them, but you can also learn what to do and not to do yourself.

You should also diplomatically, at the appropriate moment, ask how your prospect's previous relationship ended. If they blame their ex or take full responsibility for the breakup themselves, then that is the sign for you to move on to the next person. After all, the answer you really should be getting is that the couple simply grew apart or that they mutually agreed to end the relationship. People who lay the fault entirely at their former partner's doorstep still have unresolved issues and it is unlikely that they are ready for a new relationship, even though they may appear to want one. If they claim that they are entirely to blame for the demise of the relationship, then it is possible that you will risk getting the same results if you pursue a relationship with this person.

Keep in mind that online dating is a process that requires patience and perseverance and that you will not get instant results, despite the fact that the Internet is commonly associated with speed and ease. And do not forget that the objective of your email exchanges, chats and phone calls is to get to know each other better. Your goal is to find out what kind of person you are dealing with before you decide to meet face-to-face - the online dating moment of truth. So do not be afraid to ask questions and reply to questions as honestly as you can. It will save you time, trouble and possibly even heartache in the long run and improve your online dating experience tremendously.

Life Insurance Money Saving

Life insurance, specifically Term Life, is arguably one of the best values in the entire financial services arena. Where else can you go and get hundreds of thousands of dollars in protection for literally pennies per day? Rates for Term Life insurance remain at all-time lows, and now is the time to lock in the best prices.

When you are buying life insurance you need to make sure that you get the best possible policy. Remember, you are not buying life insurance for yourself; instead you are buying it for your family, and the people who you will be taking care of if something should happen. For this reason, buying the best life insurance policy that you can is quite important. This way you will know that your family is safe no matter what.

Finally, make sure that you know what is included with your policy. Do not make the mistake of thinking that you know what your policy covers without reading over it very carefully. Overall, when you buy life insurance you need to do your homework. This way you will end up with a policy that best suits your needs. Life insurance is very important if you want to keep your family safe if you die. For this reason, you should take the buying process very seriously.

Nikki-Articles

Cell phones are a great tool

Hello friends Its a true that electronics Accessories have a greater role in our busy life schedule. Laptop, Cell phones, data modems and wireless etc... But could you know How to pick these electronics Accessories.
Ok, I am telling you friends. We talk here How to Pick a cell phone and how to maximize its productivities. Picking the right cell phone has as much to do with personality as it does with needs. Handsets vary from the feature-rich and slickly styled to the strictly functional and unassuming. Ultimately, though, it's a personal choice, and you'll want to buy a handset that is right for you--one that you'll enjoy using and carrying around. And while there are many factors to consider, it all boils down to which handset will offer the best blend of design, features, and performance.

Cell Phone productivity control

Control your calls :- Don't be compulsive and answer every call, anywhere, anytime. "There is an appointed time for everything.
Control your costs - and be considerate :- Even the best calling plans cost money - and time. Be a good steward of your time, and the time of others, by keeping your calls on target. Don't make calls just because you have "free minutes" or free time.
Do one thing at a time :- Don't engage in complex conversations while driving, or while doing anything else. Even if you can keep your car on the road, you can't give your customer or colleague your full attention and offer your best perspective if you are doing two things at once.
Keep your calls private :- When you talk on your cell phone in a public place, everyone within earshot is a potential eavesdropper. Worse yet, some cell phone users believe they need to shout to be heard. At best, talking loudly in restaurants, movie theaters, and other public places is rude, but it can also cost you money.

Finally, remember that you'll want to enjoy using your cell phone and carrying it around. So go for an interface that's attractive and easy to use, and pick a color and shape you won't mind holding in your hand. And since some handsets are more rugged than others, find something that fits your activity level.

General Financial Planning

At its simplest level, financial aid is money provided to help bridge the gap between your family's own resources and the amount needed to pay for the cost of attending Mercer University. The primary responsibility for meeting the cost of a Mercer education rests with the student and his/her family. Eligibility for financial aid is based on Mercer University's cost minus the amount the Federal Government expects your family to contribute towards that cost. The formula for determining this contribution, as written into federal law, takes into account your family income and assets

To receive federal funds administered by the Office of Student Financial Aid, you must have a high school diploma (or equivalent), be enrolled as a regular student (e.g. not a special admit, transient or audit student) in a degree-granting program at least half-time (6 hours), have a valid social security number, be a US citizen or eligible non-citizen and be making satisfactory academic progress toward completion of your degree. You must not owe a refund on any federal grant and must not be in default on any student loan previously received. You must be registered with the Selective Service and the Immigration and Naturalization Service if required by law to do so. You must not have been rendered ineligible for federal aid as a result of a drug conviction. Suspected cases of fraud or abuse will be reported to the US Office of Inspector General.

Federal regulations require that we verify the accuracy of information provided. As a result, many applicants must submit tax returns and other requested documents. If you do not provide these materials in a timely manner, you will not receive financial aid.

How To Find Cheap Airfare

Air Travel is a form of traveling using an airplane.
The comfort on traveling by air depends on several factors starting with the airport, the choice of airline and the Travel class.
Any Air Travel starts and ends at an airport. The typical procedure is check-in, Airport security check of baggage and passengers before entering the gate, boarding, flying, border control and pick-up of luggage.

Find Cheap Air Travel
To find cheap airfare, you need to do a little research. The travel agencies just can't compete with the discount sites any longer.

Competition in the flight industry can only be a good thing for the consumer, most people would say. Or is it ?. Too much competition amongst major airlines can force these flight companies to fold. If major airline companies fold it's not a good thing for the consumer. It gives monopoly to its former competitors and this can result in high priced plane tickets. Its the game of snuffing each other out to win the market for the real kill. Only the strongest will survive.

We have seen in recent times, many major airlines go into administration, either due to bad management, competition and the ever rising cost of fuel. I am still waiting for someone to invent an passenger plane that runs on electricity, wouldn't that be grand. Just add two huge rechargeable energizer batteries before take off.

For domestic flights I'll buy a ticket, as long as the price is cheap, seating is reasonably comfortable and the rest are all frills. Eighteen hour International flights are a different story, here you look for the frills at cheap prices.

Tobacco smoking


Tobacco smoking, usually referred to as "smoking", is the act of burning the dried or cured leaves of the tobacco plant and inhaling the smoke for pleasure or ritualistic purposes, or out of habit and to satisfy addiction. The practice was common among Native Americans throughout North and South America, and was later introduced to the rest of the world via trade following European exploration of the Americas.

Tobacco smoke contains nicotine, an addictive stimulant which temporarily improves alertness, memory, and mood, but also forms a strong physical and psychological chemical dependence (addiction). Nicotine, like any stimulant, can also increase anxiety, restlessness, and disturb metabolism. Medical research has determined that smoking is a major contributing factor towards many health problems, particularly lung cancer (which has a survival percentage of 16.4%), emphysema, and cardiovascular disease.[1][2] Many countries regulate or restrict tobacco sales and advertising and require warnings to be placed prominently on the product packaging. Many governments now ban smoking in a variety of public venues due to health impacts on non-smokers breathing second-hand smoke.

History
One of the oldest and deep rooted traditions in Turkey is the Nargile (Hookah), with both men and women finding great pleasure in smoking the waterpipe. The nargile started a whole new culture which endured for many, many years. Even today the nargile gives enjoyment to a special breed of smokers. The original nargile came from India, but it was rather primitive as it was made out of coconut shell. Its popularity spread to Iran and then to the rest of the Arab world. ~~~~Learn More

The Intelligent Betting Method

When most people place a bet they will stake a set amount on a particular outcome, e.g. that Team A will beat Team B, but in order to make any money they are going to have to either get lucky or have some kind of insider knowledge! The technique of matched betting on the other hand, involves not just placing a bet as a punter, but also laying a bet as a bookmaker would, which the advent of betting exchanges has allowed any average Joe to do. Properly used, matched betting can be used to eliminate the element of luck and make guaranteed no risk returns.

The Technique
When you place a bet you "back" the outcome you have chosen. For example, you might back Team A with £10 (* Any currency works the same, GBP is used for the purposes of this article) to beat Team B at odds of 3 to 1. If Team A does indeed beat Team B, you would receive £30 winnings and the return of your £10 stake (total £40). If you lose because Team A does not beat Team B then the bookmaker will keep you £10 stake.

Consider for a moment, however, what would your position be if you were the bookmaker? If Team A beat Team B you would have to pay out £30 in winnings and return the £10 stake. But, if Team A did not beat Team B then you would be entitled to keep the £10 stake for a £10 profit. The process of offering a bet to someone, just as a bookmaker does, is know as 'laying' a bet.

Acting as both the punter and bookmaker leads to a rather strange conclusion. Some of you may have already spotted this, but whatever the outcome, the back bet and the lay bet cancel each other out. In each case the net result is £0.

Expected Profits
Does this sound to good to be true? Well it is and it isn't. There are a couple of minor points worth bearing in mind. The neat examples used to illustrate the technique of matched betting do not reflect reality 100%.
For example, you will need to use betting exchanges to lay bets that charge commission of between 1 and 5 percent, and sometimes may struggle to find identical odds. Nevertheless, it is possible to use Matched Betting to gain a guaranteed profit of between 95 to 75 percent of the value of the free bet you receive. There are hundreds of free bet offers out there so the possibility is there for substantial profits.
For More info visit http://www.partybets.com/