How to Find Affordable Car Insurance

It has become well known that consumers can find the most affordable car insurance rates online. The internet has dedicated itself to providing insurance quotes for every state in the USA. By entering just a small amount of information including your zip code, you can obtain insurance quotes from a whole host of providers.
Compare Prices
By reading over the different quotes, you are then equipped to compare prices by some of the leading companies and their competitors. This is a simple and free process, and you will have the ability to choose the provider that suits your needs best.
This is also a very safe and secure process since you will receive your quotes from the providers themselves. The online sites that assist you in this do not ever attempt to get between you and the insurance company. The greatest advantage is that you can see different quotes from different providers and ultimately see who is the most competitive before you start filling out any forms.
Competitive
Since it is common knowledge that this is a very competitive field, you surely understand that these companies are competing for your business. These insurers will try their best to get your business before their competitor does. You should also know that these companies are some of the top insurers in the country.
Affordable car insurance can definitely be found online because of the high amount of traffic these sites get. It is very appealing to most people to find all the insurance information that they need in a simple mouse click. On top of that, it doesn't take long at all to find out the rates and quotes. In 30 minutes or less you can easily acquire 3 of them at least.
Once you do find a provider that suits your vehicle and driver needs, you will be able to send a lower renewal premium at the end of the policy term. Do not make the mistake of renewing with an existing provider without first asking questions regarding your policy. You may be giving away your much needed money for no reason at all. Be sure and always ask questions of your insurance agent. You can never be too informed.
If you want to acquire the best auto insurance online, but still at fantastic rates don't be afraid to do the research. There are plenty of articles online explaining it, and also there are many sites dedicated to providing you with the most current and up to date information on car insurance.

Article Source: http://EzineArticles.com/6841826

Compare Car Insurance Costs For Best Coverage

As a car owner, you now know that the cost in owning a car does not stop with buying it. Apart from registration, other local taxes, fuel, and maybe parking costs, you need to have insurance coverage. Insurance being a significant cost in owning a car, it makes sense to make car insurance comparisons, not just for saving money but also for competing options. In the same way that you looked at a car's features before buying it, so should you also look options after the basic insurance coverage. Make sure that your coverage is for more than simple repairs. The more expensive your car is, the more features it will have that are expensive to repair. Having insurance coverage for expensive equipment ensures that you will not be forced into an expensive cash outlay. Having an expensive car doesn't mean that it's a magnet for car thieves. In a survey of cars most often chosen by car thieves, a luxury model from a German manufacturer ranked very low on the list of car thieves' favorite cars. Using updated lists of the most stolen vehicles, insurance companies adjust the premiums for these cars, reflecting the higher risks with insuring these vehicles. If your car is not a high risk model, make sure that a car insurance comparison reflects this fact.
As you may be aware, the age group a person belongs in is a significant factor affecting how much your insurance coverage will cost. Teenagers combined with high performance cars probably have the highest rates. The same goes for new drivers and entry-level cars, which are a combination proven to be risky for car insurance companies. In a comparison illustrating how insurance companies view young drivers, the cost of insurance between a young driver in a Kia and a 40-year old driving a Corvette only had a two hundred dollars difference. When making car insurance comparisons, the national average insurance costs are a good reference. Bear in mind though that these averages are for a 40-year old driver with a clean driving record. Different factors will add or subtract from the premiums you will have to pay.
Consider the options an insurance company may have, apart from your basic coverage. Making a car insurance comparison will show differences between an aggravating post-accident situation and smooth sailing. Towing or road assistance in an accident may seem like remote possibilities but are a godsend when you need them

Article Source: http://EzineArticles.com/6844168

Car Insurance For Young Drivers Driving You Mad?

Car insurance for young drivers is a costly business these days and many insurers admit that they are less than willing to insure drivers falling into this high risk category.
While statistics are notorious for being 'flexible' those relating to the 17-25 year old age group of drivers are fairly clear. Accounting for only a small amount of drivers on the UK's roads, there is a one in three chance they will be behind the wheel during an accident. With quotes ranging from £2000 - £10000 it's unsurprising that many young drivers find it impossible to buy insurance. Understanding the market and how to access cheaper quotes is crucial for many young drivers and can offer some significant savings.
Busting some Myths
Car insurance for young motorists is cheaper if you are female. Not anymore! Despite statistics showing that the highest risk driving category is actually men between the age of 17 and 25, recent equality rulings have made it impossible for insurance companies to offer lower premiums for women.
There are no ways to cut the cost of car insurance for young drivers. Wrong again. There are a number of simple ways to reduce the cost of your premium - even in your first year of driving.
Adding a young motorist to an older driver's policy is the best way to save money. This can save money, but doesn't allow you to build up your own no claims bonus. A policy in your own name allows you to do this and to benefit from significant reductions in the cost of subsequent years insurance.
Third party is cheaper than fully comprehensive insurance. For experienced drivers this is usually the case - but not so for young drivers. Often the costs can be roughly the same, but fully comprehensive can come with added extras such as breakdown and recovery. The extras can actually make it the most competitive car insurance for young drivers
Finding some solutions
A lower powered, older car will be cheaper to insure than a brand new high performance model. It may not be the car of your dreams, but can help you to gain experience of driving and build up a record of good driving.
Adding security features such as immobilisers, alarms and parking off-road or in a garage can help to reduce the cost of insurance.
Additional driving courses such as Pass Plus can allow you to access significant savings on car insurance for young drivers. The course costs around £150 but some insurers will discount your policy by up to 35%.
Consider 'Pay how you drive' policies. These are few and far between at the moment but are aimed at young drivers, specifically to lower their insurance costs. A smart box is fitted to your car and monitors your speeds, braking, cornering and other driving skills. Good driving is rewarded with excellent rates of car insurance for young drivers.
Comparison shopping is a must for any driver, but especially for car insurance for young drivers. Comparison sites don't always check the same insurers so check a few and look for specialist sites and brokers. The car insurance industry is competitive and there are insurers looking for your business. Some simple steps and a little time invested in hunting down the deals can mean that car insurance for young drivers is still a possibility.

Article Source: http://EzineArticles.com/6842021

Savvy Ways to Find Affordable Car Insurance

Americans spend billions of dollars a year on car insurance and in tight economic times, finding ways to save a few dollars is sanctuary. Too many times consumers choose to stay with the companies they have been with for years either because it is convenient or because they aren't aware of the host of discounts available by other companies. Car insurance companies are tripping over themselves competing for consumer's business. For a little time and some basic research, consumers can find savvy ways to find affordable car insurance.
Many auto drivers are aware of the basic discounts to be had in the car insurance world such as safe driver and driver education savings. The times of there being only a few car insurance companies to choose from though, are long gone. A competitive market equals savings and by conducting a simple Internet search, you will be amazed at how much money is being thrown out the window and into car insurance company's bank accounts.
Before researching affordable car insurance a driver must know their driving record. It is one of the first questions insurance companies will ask and they will find out themselves anyway. Be aware of any violations on your record and also inquire with the Motor Vehicle Administration when any outstanding violations are due to come off. Although accidents remain on driving records forever, many car insurance companies forgive accidents after 3-5 years. Other violations such as hitting a pole (as long as it isn't alcohol induced or otherwise) do get removed after a period of time however, and that can save drivers a lot of money.
Comb over your current policy and see where it can be trimmed. Car insurance companies are like any other salesperson; they want to sell you the most expensive package and still make it look appealing. Speak with the agent about what coverage you truly need and get rid of what it unnecessary. This is also a great time to consider increasing your deductible. As scary as that sounds, many people have great driving records and if you're one of them, banking on the fact that you will not cause an accident can save you hundreds on your policy. Some insurance companies will offer a higher deducible to lower your monthly payments, though they don't advertise it.
If there is more than one car in your household, even if it is a classic or seasonal car, consider a multiple car discount. Tons of car insurance companies will reduce rates for multiple cars (some will even allow not working vehicles to be insured as well) and this equals savings. Also inquire about adding someone as a driver to the policy such as a spouse; often times multiple drivers on one policy can save you money.
One of the biggest money saving tricks when searching for affordable car insurance that many don't know about is mileage. Figure out how many miles you actually drive your vehicle. Many insurance companies base their premiums on the average 10-15,000 miles a year, but many drivers don't come close to that! If you don't work outside the home or only work part-time, you are probably driving less than that average. How many miles away is your job? Know that number before searching for affordable car insurance. Multiply that number by how many days a week you work to get an estimate. Particularly for multiple vehicle homes, mileage is shared by more than one car. If you know you drive considerably less than the average mileage, make this known to your insurance company. The amount of savings will probably shock you.

Article Source: http://EzineArticles.com/6841057

Total Loss Vehicle Settlement - What Happens When Your Car Is Totaled

In our last post I explained how your insurance company would likely determine if your vehicle was a total loss from a covered accident. Understanding how your company makes this determination is important, however, understanding how they will value your car is even more important.
Once your car is determined to be a complete loss, the process that follows can be confusing. I wanted to provide some insight, from an insurer's perspective, that can help you get through the total loss process should you ever find yourself in that situation.
It is important to remember that, if your car is deemed a total loss, your carrier has a duty and obligation to pay you the ACV (Actual Cash Value) or fair market value for your vehicle. Understanding that, we want to be sure you are armed with solid & reliable information in the unfortunate event you find yourself in this situation.
The Value or ACV process:
The ACV or Actual Cash Value of your vehicle is a term that is meant to demonstrate & prove what the fair market value of your vehicle is on the date of the accident. Your carrier will have your car inspected, noting all options & features as well as estimating the condition of the vehicle prior to the accident. Below is a short list of some of the main variables involved when determining the value of your car:

• Year, make & model
• Features or upgrades on the car from the manufacturer
• Is there aftermarket equipment on the car & if there is, does it add or detract from the market value
• Condition rating: estimate of the condition of the vehicle prior to the accident
• Mileage (this, as we all know, can have a substantial impact on value)

Your insurance carrier will then use a 3rd party, such as CCC, to secure a fair market value for your car. Here is a short list of things that a 3rd party will look at when estimating the value:

• All of the vehicle details noted above
• Your zip code, which tells them exactly where you live
• Comps: most insurance companies will require at least 2 solid comparative vehicles

Note that where you live is important as vehicles can have different values based on where you live as the market (where you are) is what dictates what cars like yours would sell for at the time of the accident. Also note that the comps are how a price or value is determined as it is meant to convey what a vehicle like yours, same make/model/year, condition and features, would be worth in it's pre-accident condition.
One question or issue that does come up at times is "there aren't any vehicles exactly like mine where I live, now what?" In this scenario, most of the time the insurance company will then look for a vehicle that is a year newer than yours with similar features & in similar condition. It is usually not permitted to use an older vehicle as a comp in this case.
What if I don't agree with the value?
This is most often one of the biggest challenges when trying to settle a total loss claim: I don't agree with the valuation that my adjuster provided to me. It is ok, though, this happens frequently and if armed with good, accurate information, you can navigate your way through this. Here is how:

• Request a copy of the valuation
• Review the details and ensure it represents your vehicle: options, mileage, condition, etc.
• If you feel the value is truly not accurate, do some research and find a few comps of your own, ensure they are accurate. Provide your supporting information to your carrier for consideration
• If they don't move, advise you are formally disputing the valuation.
• Request that your insurance company issues payment for the "undisputed amount"
• Secure your own independent valuation, your insurance company will get one of their own
• The two of you will then come together and compare the valuations and reach a resolution

I know, you now have a few more questions, thought you might. Let's address those:

1. What do you mean by "undisputed amount?" You don't want your claim halted and, if you have rental coverage and are in a rental car, most insurance companies will only extend rental for a few days after they have made an offer to you to settle your total loss. The undisputed amount example: Valuation comes in at $20,000 but feel your car has a market value of $24,000 but are not disputing it is worth at least the $20,000. So, you accept the $20,000 but continue with the process. This will not prevent you from collecting more money should it be supported but it does get you something right now.
2. If you dispute the value and go down that path, you will have to, at your own cost, have an independent market valuation completed on your car. There are some great companies out there to help you, such as http://www.iada.org/.

I highly recommend that you work directly with your insurance company directly to resolve a dispute like this. Remember, this is a negotiation based on some subjective supporting evidence and some objective information as well, such as the make, model, year and features. The insurance carriers want to settle your claim and will, most of the time, be reasonable and work with you to settle your claim.
In addition, I strongly suggest you review your policy before going down the dispute path so you understand exactly what your policy states as it relates to this type of claim. All policies and companies have differences, some subtle and some not. Your policy will be the guiding rule over your claim so it is important to understand what it says and what your rights are.
You can also refer to your state's Department of Insurance site to see if your state has specific rules and laws as it relates to the handling of a first party total loss claim.
So, in summary, hopefully now you have a better understanding of how a value is obtained, you also have an idea on what you can do if you happen to disagree with the value. Just remember to be sure you are able to support your dispute in value with solid information if you want your company to consider your position. And, recall, this IS a negotiation so be calm and deliberate with your argument and information. I can almost guarantee it will lead to a fair resolution of your total loss claim.

Marc Berry brings over 8 years of direct experience in the auto insurance field, having worked for 2 of the largest and most respected insurance companies in the nation.

Article Source: http://EzineArticles.com/6843089

What Is the Difference Between a Flood Damage and a Water Damage?

Flooding refers to a large deposit of water around a home or building, or when the ground can't support the excess amount of water. At this point, the water will enter into a home or building and create damage. This is referred to as flood damage.
On the other hand, water damage is usually caused by internal issues in a home or building, including, but not limited to toilet over-flows, burst pipes, water heater leaks, broken sprinkler heads, etc.
The difference between flood and water damage to home and business owners', is who is responsible - financially and legally.
Financially, your damage will potentially fall under your insurance company or the Federal Emergency Management Association (FEMA).
FEMA covers homes and buildings in states that are in a "flood zone," or if the flood is in an area that is under a State of Emergency. However, you should always contact FEMA directly and never assume a damage will be covered; as with all government programs, the rules can change based on particular circumstances and policies differ from state to state.
Insurance companies have a policy, which is basically a contract, with the home or business owner stating what will and will not be covered. Generally, insurance companies cover water damages, where the home or business owner could not prevent the hazard.
Unfortunately, many policyholders are shocked when they learn that their claim has been denied when they sustain flood damage. They discover that the insurance company deemed the damage was the result of a "maintenance issue" (what the homeowner could control). Most home and business owners do not even know that there are maintenance issues required of them under their policy. According to the insurance industry, home and building owners are supposed to inspect basements and windows to determine potential leak and flood liabilities!
The most important thing you can do is to carefully review your insurance policy so that you are not caught by surprise for any type of damage that may occur! As well, if you discover any type of water in your home or business, contact a restoration company immediately! The quicker the water is removed, the less damage and expense you will incur.
As you have read, flood damage and water damage are actually two different situations. They make look the same or seem the same, but depending on who is paying are actually worlds apart in definition. If you have water issues in your home or business make sure you understand the situation before you begin.

Article Source: http://EzineArticles.com/6723521

Motorcycle Insurance Rates - How To Reduce Your Costs

If you feel that you're motorcycle insurance rates are too high, then you'll be happy to know that there are plenty of things you can do to lower your monthly premiums and get your insurance bill under control again. Here are five key areas where you can trim a little cost off the top to reduce your motorcycle insurance bill.
Downsize Your Motorcycle
One way that you can reduce your motorcycle insurance rates is by downsizing your motorcycle from a cost as well as a performance standpoint. Cruisers carry much lower insurance premiums than sport bikes because there is less risk involved with riding them. As you may or may not know, risk is one of the key functional items used to calculate insurance premiums.
Motorcycles that have bigger engines and travel at a higher rate of speed are considered to be more risky. This in turn means that the likelihood of getting into an accident is higher and thus there is an increased chance that a claim will be made. For those reasons there is an increased cost associated with insurance riskier motorcycles.
You might also consider buying used versus buying new because used motorcycles are worth less than new motorcycles. Often times new motorcycles must be fully insured if there is a lean against the title. Full coverage is going to be more expensive than that which is required for used motorcycles.
Opt For A Higher Deductible
Another way that you can reduce motorcycle insurance rates is by opting for a higher deductible. When you choose a higher deductible you are agreeing to pay more out of pocket cost when an accident occurs. This means your insurance company will have to pay out less for a claim so they will charge you a lower premium monthly premium. If you feel reasonably confident that you won't ever have to submit a claim, then a higher deductible might be the way to go in order to reduce monthly premium costs.
Don't Over Insure
Choosing too many coverage options or unnecessary coverage options can result in a high monthly insurance bill. Instead, stick to those coverage options that are necessary. Make sure that you are carrying the minimum amounts for required coverage options, and don't under-insure your motorcycle because this could end up being more costly in the long run. Also keep in mind that there are minimum limits that must be met in each state so you should be aware of whether or not your policy meets those requirements.
Bundling Your Insurance
Saving on motorcycle insurance rates is also made possible by bundling insurance policies together under one package. If you have individual auto, home, and motorcycle insurance policies with the one company, consider consolidating them into one policy. Most insurance companies offer package discounts to customers who bundle their policies together. Doing so can drop your monthly premiums substantially depending on the discount percentage your insurance carrier is providing.
Training and Certification
Finally, if you're looking to save money on motorcycle insurance rates, you'll be happy to know that most insurance companies offer discounts to those who participate in a motorcycle safety course. Rider safety training helps you become a safer and more knowledgeable rider. This is something insurance companies like to reward.

Article Source: http://EzineArticles.com/6734369

Caravan Insurance - Some Crucial Information About The General Conditions

We all know the old saying when dealing with financial products that you should "check the fine print" and this can also be extended to caravan insurance, after all these are contracts of law and the potential pitfall of not complying or understanding policy conditions can be very costly.
Caravan insurance, like many others, normally consists of a general policy wording (which applies to all policyholders) and a schedule of insurance which notes the specifics of you as the policyholder, the basis of the contract, your personal and caravan details and any specific endorsements (conditions that you need to comply) applicable to you.
There are basic conditions that would apply to any insurance contract, such as taking all reasonable steps possible to reduce the amount of a loss (effectively if you damage the van you can organise necessary urgent repairs as this will reduce the size of the claim), and if the claim is in any way fraudulent or exaggerated then the cover could be cancelled from the start of the claim declined.
There are also conditions that are applied by different caravan insurers, for example most insurers have security requirements. This can vary from the basic hitch-lock and wheel clamp, to alarms and trackers on higher value vans. Most insurers will insist that if the caravan is left unattended (that being if all of the people in the towing vehicle) and detached then there must be wheel clamp and/or a hitch lock attached to the van. If the van is left unattended whilst attached (say at a service station when you get out to have a coffee) then the general security is to ask for a wheel clamp to be attached.
It is important to check your policy conditions in respect of security, as insurers can decline claims if this is not complied with. Many insurers ask for trackers on certain makes and values of caravans, as an example Hobby Caravans have been difficult to insure in the recent past due to a high theft risk.
Another important note is that if you have an awning you must not leave it up unless the caravan is in use, as in you need to be holidaying with the caravan. The reason behind this is that awnings are not steady and not designed to withstand wintry and stormy conditions.
Almost every insurer exerts an excess into the policies, that being an amount that is deducted from the final claim amount, typically £100. When a claim is settled this figure would automatically be removed from the total.
Insurers would also have, if contents are added onto the policy, a single item limit similar to household insurance. This means that the insurer will not pay more than the agreed amount, typically £250 for the item. Regarding contents, all insurers deduct an amount for wear and tear and to take account of the drop in value.
It must be noted that the above is not an exhaustive list and we will be back with more important points very soon!

Article Source: http://EzineArticles.com/6830394

Options for Getting Car Insurance Quotes Online

In the past, getting car insurance quotes involved going down to your local insurance agent's office and crunching the numbers, then calling around to compare the quote with other insurers after the fact. The process was long, grueling, and incredibly inconvenient. Fortunately, the Internet changed all that. Now, you can simply hop online and get quotes from multiple companies from the comfort of your own home, and you can manage your policy online after you make your selection as well.
Using an Insurance Comparison Site to Get Car Insurance Quotes
A great first step to take when getting a quote for car insurance online is to visit an insurance comparison site. Simply run an Internet search and it will return dozens of listings from which you can choose. Select one from the results and visit the site. Most comparison sites will require you to fill out a form with basic demographic information and a little background about your driving history. Once you've filled out the form, you will have a list of quotes from leading sites all competing for your business. This is a great way to price match all in one place.
There is one caveat, however. When you use insurance comparison sites online, remember that the quotes you are given are just preliminary numbers. You will need to visit the site of the insurance company you select and apply in order to receive the most accurate quote information. This is because an insurance comparison site is just using the basic information that you provide voluntarily in order to gather data for you. Once you actually apply for insurance, the company you choose will do a thorough background check, and the resulting information may be different from what you initially submitted when you visited the comparison site.
Comparing Car Insurance Quotes Yourself
If you would rather compare quotes on your own, you may get a more accurate reflection of what you can expect to pay once you sign up with a company. You will also find out about special offers the company may be running when you request a quote directly through the website instead of through an insurance comparison site. A downside to this option is that you must do the legwork yourself, and visiting every site and entering your personal information multiple times can become time consuming very quickly. Set aside an afternoon to get the job done, and keep track of the insurance companies you checked out along with the quote information you obtain from each one.
When you choose to compare car insurance quotes yourself, you are also opening yourself up to aggressive marketing techniques once you query a company. Each establishment will have your email as well as your mailing address once you submit a request for a quote, so you will likely be bombarded with sales pitches in your inbox and letters in your mailbox for many weeks after your search. Whenever you have the option, opting out of promotional emails while you are searching is a wise decision.

Article Source: http://EzineArticles.com/6846941

What Are The Easy Ways Of Locating The Best Private Hire Taxi Insurance?

Is Insurance Necessary?
There are a lot of people who usually grudge when it is time to pay their insurances. But, if you are a private taxi hire service provider, then it is very important for you to follow the legal state rules for taxi operators and the first and the foremost thing that is required by a cab operator is to get a private hire taxi insurance policy. It is ideal for any taxi owner to get a comprehensive insurance policy that will suit his requirements before commencing his business. A private hire insurance that will take care of the financial obligations of your private taxi damage, covers third party's life and property in case of any untoward accidents and also protects the taxi owner will be the ideal policy that you need to choose.
Online Research
One of the best and the easiest ways of finding cheap taxi insurance company according to your needs and requirements will be the browse the internet. All you need to do is to type the keywords online taxi insurance specifying a particular area in the search engine box provided in the major search engine website and the website will do all the hard work for you in finding out the best minicab taxi insurance company in your specified area. All you need to do is to click on the website link provided in the result page and you will be immediately directed to the website of the company. Price comparison sites also will be an ideal option for you to find the best insurance quote company by carrying out a comparative study of various online insurance companies. Another advantage that you will get out of choosing the ideal taxi insurance company online is that you will be able to locate them by sitting in the comforts of your own home.
Friends And Relatives
One of the ideal options that you can tap to locate your best private hire insurance policy provider will be to ask your friends, colleagues or relatives who have earlier hired similar companies for their insurance needs. By doing so, you will not only be able to find the best private hire taxi insurance company, you will also save a lot of time and money searching different companies. You will also be able to learn more about the insurance company from your friends or relatives and by interacting with them you will be able to judge whether the company will suit your needs and requirements.
Phone Book And Telephone Listings
The phone book and the telephone directory that you have in your homes is also a source from where you will be able to find the details of private hire insurance firms printed. As you scan through these pages, you will be able to locate the phone number and the address of the insurance company. You will need to phone each company individually to know their insurance policy details and their costs. If you find any interesting information, then you can call the insurance agent to your home for further discussions.

Article Source: http://EzineArticles.com/6847412

Car Insurance For Low Cost

Cheapest Companies
There is absolutely no such thing as the cheapest company. Every single driver is rated according to their age, driving history, coverage, vehicle and the area they reside in. In the state of California, every insurance company files their rates with the Department of Insurance which allows open and competitive market. For an experienced, good driver a preferred company can have an outstanding rate, while being super expensive for their young child. The only way to find a great rate is to shop rates with various insurance carriers. You might even consider an insurance agency as opposed to a direct company because you will have endless options with extremely low cost rates. A direct carrier only has one program that you can rate with.
Realizing how the rating process operates will benefit you in savings for your auto insurance shopping. You get an automatic savings when paying in full since this eliminates billing fees throughout your policy period. In addition, purchasing a twelve month term instead of a six month automatically discounts your premium because insurance carriers offer better rates for long term customers. Ask for coverage recommendations to ensure you understand the coverage options that are available to you. Having higher liability limits can actually be acquired without breaking the bank. Most people do not realize that uninsured motorist is really only an extra seven dollars a month.
Getting quotes for a high risk driver usually means paying more for your car insurance. This is why you shop all the high risk auto companies because believe it or not, there are companies that specialize in high risk drivers and hardly charge at all for them. If you have points or violations on your driving record you are automatically considered higher risk. Young drivers, inexperienced drivers and drivers with accidents are also considered higher risk. What one company can charge you- you can get more coverage for half the price with a company that specializes in your situation.
You can also obtain low cost insurance coverage even if you may not have a driver's license. How is this possible? There are certain insurance carriers who's underwriting guidelines allow it. Whether your license is suspended, you don't have a license at all or if you simply have an international ID or license, you are eligible for coverage. So be smart and search online for insurance companies nearest you. Lastly, shop your rates with companies that specialize in your insurance needs.

This was brought to you by Natalie Fanin, insurance specialist from Dependable Auto Insurance Services.
For more information on cheapest insurance rates in California visit our website.
This article was brought to you by Natalie Fanin. http://www.dependableautoins.com
Interests include reading, writing and non-profit organizations.
Sales and business development, including marketing, customer relationship development, policy maintenance, web based sales, team work, and mentoring.

Article Source: http://EzineArticles.com/6843189

Total Loss Vehicle Settlement - What Happens When Your Car Is Totaled

In our last post I explained how your insurance company would likely determine if your vehicle was a total loss from a covered accident. Understanding how your company makes this determination is important, however, understanding how they will value your car is even more important.
Once your car is determined to be a complete loss, the process that follows can be confusing. I wanted to provide some insight, from an insurer's perspective, that can help you get through the total loss process should you ever find yourself in that situation.
It is important to remember that, if your car is deemed a total loss, your carrier has a duty and obligation to pay you the ACV (Actual Cash Value) or fair market value for your vehicle. Understanding that, we want to be sure you are armed with solid & reliable information in the unfortunate event you find yourself in this situation.
The Value or ACV process:
The ACV or Actual Cash Value of your vehicle is a term that is meant to demonstrate & prove what the fair market value of your vehicle is on the date of the accident. Your carrier will have your car inspected, noting all options & features as well as estimating the condition of the vehicle prior to the accident. Below is a short list of some of the main variables involved when determining the value of your car:

• Year, make & model
• Features or upgrades on the car from the manufacturer
• Is there aftermarket equipment on the car & if there is, does it add or detract from the market value
• Condition rating: estimate of the condition of the vehicle prior to the accident
• Mileage (this, as we all know, can have a substantial impact on value)

Your insurance carrier will then use a 3rd party, such as CCC, to secure a fair market value for your car. Here is a short list of things that a 3rd party will look at when estimating the value:

• All of the vehicle details noted above
• Your zip code, which tells them exactly where you live
• Comps: most insurance companies will require at least 2 solid comparative vehicles

Note that where you live is important as vehicles can have different values based on where you live as the market (where you are) is what dictates what cars like yours would sell for at the time of the accident. Also note that the comps are how a price or value is determined as it is meant to convey what a vehicle like yours, same make/model/year, condition and features, would be worth in it's pre-accident condition.
One question or issue that does come up at times is "there aren't any vehicles exactly like mine where I live, now what?" In this scenario, most of the time the insurance company will then look for a vehicle that is a year newer than yours with similar features & in similar condition. It is usually not permitted to use an older vehicle as a comp in this case.
What if I don't agree with the value?
This is most often one of the biggest challenges when trying to settle a total loss claim: I don't agree with the valuation that my adjuster provided to me. It is ok, though, this happens frequently and if armed with good, accurate information, you can navigate your way through this. Here is how:

• Request a copy of the valuation
• Review the details and ensure it represents your vehicle: options, mileage, condition, etc.
• If you feel the value is truly not accurate, do some research and find a few comps of your own, ensure they are accurate. Provide your supporting information to your carrier for consideration
• If they don't move, advise you are formally disputing the valuation.
• Request that your insurance company issues payment for the "undisputed amount"
• Secure your own independent valuation, your insurance company will get one of their own
• The two of you will then come together and compare the valuations and reach a resolution

I know, you now have a few more questions, thought you might. Let's address those:

1. What do you mean by "undisputed amount?" You don't want your claim halted and, if you have rental coverage and are in a rental car, most insurance companies will only extend rental for a few days after they have made an offer to you to settle your total loss. The undisputed amount example: Valuation comes in at $20,000 but feel your car has a market value of $24,000 but are not disputing it is worth at least the $20,000. So, you accept the $20,000 but continue with the process. This will not prevent you from collecting more money should it be supported but it does get you something right now.
2. If you dispute the value and go down that path, you will have to, at your own cost, have an independent market valuation completed on your car. There are some great companies out there to help you, such as http://www.iada.org/.

I highly recommend that you work directly with your insurance company directly to resolve a dispute like this. Remember, this is a negotiation based on some subjective supporting evidence and some objective information as well, such as the make, model, year and features. The insurance carriers want to settle your claim and will, most of the time, be reasonable and work with you to settle your claim.
In addition, I strongly suggest you review your policy before going down the dispute path so you understand exactly what your policy states as it relates to this type of claim. All policies and companies have differences, some subtle and some not. Your policy will be the guiding rule over your claim so it is important to understand what it says and what your rights are.
You can also refer to your state's Department of Insurance site to see if your state has specific rules and laws as it relates to the handling of a first party total loss claim.
So, in summary, hopefully now you have a better understanding of how a value is obtained, you also have an idea on what you can do if you happen to disagree with the value. Just remember to be sure you are able to support your dispute in value with solid information if you want your company to consider your position. And, recall, this IS a negotiation so be calm and deliberate with your argument and information. I can almost guarantee it will lead to a fair resolution of your total loss claim.

Marc Berry brings over 8 years of direct experience in the auto insurance field, having worked for 2 of the largest and most respected insurance companies in the nation.

Article Source: http://EzineArticles.com/6843089

The Problem With Mortgage Payment Protection Insurance?

The greater the need, the less likely you are to have it, this is the paradox associated with Mortgage Payment Protection Insurance.
This is not a clever statistic; just the truth.
There are a few of us left in these credit crunched times that have the "emergency" funds put aside for hard times; you know, the three to six months salary that all the financial adviser's talk about at length. The lucky few that have these funds are likely to be are less sensitive to short term ups and downs, and can probably weather the storm.
Most of the general population need some form of credit to simply survive on a weekly basis; therefore don't have a stash of cash to weather life's ups and downs. In addition, if people need credit regularly, they are probably not saving and therefore would not have the opportunity to build up a stash of protection cash.
When it comes to insurance, particularly Mortgage Payment Protection Insurance, many see the small cost as just giving money away, with no return. You know, "it will never happen to me" reasoning.
Well, its time to wake up and smell the flowers; even the Army, Royal Navy and Air force are making redundancies!
Teachers are not safe; many of them are being made redundant across the country. Many teachers that are being employed are being done so on a short term contracts, which can be difficult to plan your future around.
Unheard of in the past, if it can happen to the groups mentioned above, it really can happen to you. There is also sickness and accident to consider, when can really cripple the finances, and ability to make those all important mortgage payments.
These polices can be tremendous value for money, if you buy right. That means, give the Banks a wide berth. All we are seeing and hearing on the news is how a perfectly good product has been miss -sold; mainly by the banks.
The high street banks have actually put aside millions, in order to pay compensation to those that have been disadvantaged. Examples of grievances connected with the sale of MPPI policies, would be where on an application form for a loan, the customer was asked to tick a box, stating that they did not want a policy! A clear miss-sale, if ever there was one. Even worse, the sale of the redundancy element, or the inclusion at cost, for someone who is self employed.
Now let look at a great example of how a well and informed MPPI policy purchase can alleviate financial hardship, in the event of sickness, accident and or unemployment.
At the time of writing a good friend of mine is claiming on an MPPI policy that he took out albeit grudgingly, on my advice (nagging actually). He had paid five months premiums at £ 52, when the bank gave him the push. The monthly benefit is £ 1700 PCM for 12 months, that's £ 20,400 total benefit for a cost of £ 260.
Now, is it time to re-think about a Mortgage Payment Protection Policy?

Article Source: http://EzineArticles.com/6839788

Take Charge and Avoid Repossession With MPPI

"Your home may be repossessed if you do not keep up repayments on your mortgage"
Well unless you have been orbiting the Earth since 2004, it's highly likely that you have seen the financial health warning that all those involved in property loans are legally obliged to include in any connected financial promotion.
You may well think that this warning and its connotations were obvious, and just common sense (which is incredibly uncommon!), however you would apparently be wrong. The government watchdog, the FSA has tasked itself with increasing financial awareness of mortgage default.
However, notwithstanding the F.S.A s best efforts, the stats make poor reading; informing us that only 18- 20% of mortgage payers had any kind of Mortgage Payment Protection Insurance in place to make the mortgage payment; if they are unable to. Poor result indeed.
Question is, are the stats wrong or do the other have 80% of mortgage payers have at least three to six months net mortgage payments set aside for a rainy day?
Well, based on the level of unsecured debt spread amongst the subject group; doubtful to say the least.
Now "an Englishman's home is his castle", or so the saying goes; and to some extent this is true.
Unlike our mainland European neighbours, where renting is the popular option until the early to late forties, in Britain, we love nothing more than to saddle ourselves, as early as possible with a nice big mortgage, and the responsibility that that entails.
Unfortunately, due to the now defunct Mortgage market, based more on loan to value, than affordability, the so called "non status" and other forms of very cheap easy credit; many now have a slightly larger "castle" than they would have, if the cost and availability of credit had been more realistic.
Now the party is over, and the days of cheap self cert, and other non status lending are well and truly over, many are left with large mortgages, with no where to go and find cheaper loan; they are at the mercy of the lenders generously (or not), and the standard variable rate for the product. Many of these loans were sold on to investors, and had clauses in the contract that allowed the purchasing company to vary the charge rate in some way. Nice.
This means that many borrowers are prioritising how they use their disposable income very carefully, and one of the first cut backs is insurance, particularly MPPI.
High risk strategy to say the least, when many borrowers are desperate to secure a new re-mortgage product, perhaps saving £ 150 per month, what would they do if they could not pay 3/4 of their loan ( that not covered by any potential benefits), due to Accident Sickness or Unemployment?
Well, the 20% of borrowers that have managed to see the wood for the trees, and have prioritised income away, from say, buying your daily sandwich at Prets, into a Mortgage Payment Protection Insurance Policy, just might hold on to their home, if the event of losing their income, due to Accident, Sickness or Unemployment.
If you are one of the 20% of borrowers, who have one of these MPPI policies, that have just been made redundant, you will know that you all you need to do is register for Job Seekers Allowance at the employment centre, send off the form that they issue you with, together with the claims documentation to your insurer.
You will probably also know that once your claim is accepted, the Mortgage Unemployment Insurance Policy; will start to pay a monthly benefit to cover your mortgage, for up to 12 months or until you find a job; whichever is the sooner.
Those of you that do not have a Mortgage Payment Protection Insurance Policy, and have been made redundant, may have to face the prospect of being repossessed. A very sobering thought.
If you do not have an MPPI policy, have no impending redundancy that you know of; maybe it's time to re-prioritise your insurance imperatives and take out a Mortgage Payment Protection Policy; before it's too late.

Article Source: http://EzineArticles.com/6839771

Insuring Yourself for a Move

One of the most important steps when you are preparing for a move is to make sure that you are adequately insured. Many people forget to address this and end up sorry afterwards. When you hire a professional mover, they should always have insurance, not only to protect your items that they are moving, but also the physical property that they are moving things out of and the property that things are being moved into. They should also provide you with proof indicating that their employees are bonded, which means that should you have a theft or claim against one of their employees, you can be certain that you are covered and will be reimbursed for any loss. When using professionals, you may also want to take out additional insurance for particularly valuable items that they are moving or expensive features of the properties involved.
When using a rental truck, a storage unit or portable storage unit, insurance is still a good idea. Rental truck companies generally offer an insurance policy in case you get into an accident or there is damage to the vehicle. Likewise, when you rent monthly space in a storage unit, the storage facility offers insurance against theft and other damage, and portable storage unit companies offer similar insurance policies. It is important that you protect yourself against damage to your property that could occur if it breaks either during the move, and even to property that you are storing in a portable unit on your property. The insurance policy also protects you from having to pay to replace the unit itself if it gets damaged.
Although it is very important to have this type of insurance, there is no need to automatically sign up for it when it is offered to you by a rental truck company or storage company. Many private insurance companies automatically provide you with insurance when you are renting, and there is no reason to pay twice for the same coverage. If you are renting a moving van or truck, check to see if your auto policy covers a short-term truck rental. Similarly, moving insurance is often included within homeowners' policies and renters' insurance policies. It is a good idea to contact your insurance company, not only to make sure that you are adequately covered against all possibilities, but to make sure that you are not doubling up on protection unnecessarily.

How To Buy Condo Insurance For Your Dream House

House insurance policies can be quite difficult to acquire. Condo insurance is important to safeguarding your house, private belongings and avoiding a probable lawsuit against you and your family. You might be aware that your condominium association covers a part of your building and your house repairs, but you are still going to require your own policy. If you are planning to buy condo insurance then you must consider all your coverage requirements. I must tell you that by acquiring apt coverage you can easily save your hard earned money. For this purpose, you need to get in touch with a professional agent. Further in this article, we are going to talk about condo insurance in detail.
If you are planning to buy a condominium insurance then given below are a few instructions in this regard. Don't forget to read the below mentioned points carefully.
- First of all, you got to review your copy of the condo association contract or agreement. You must read all the guidelines carefully so that you are able to find out your responsibilities in accordance with the agreement. A specific portion of the grounds, exposures and buildings are basically covered under the insurance policy. For instance, if the roof gets damaged, the condo association's insurance policy will cover all the damages to the property, but the content inside your house will never be safeguarded.
- Now, you got to evaluate all your coverage requirements. The insurance policy will require covering the complete cost of all the property included within your condo, such as personal and furniture possessions. Prepare a detailed list for the insurance agency with the value of all the items. A nice policy will even proffer personal accountability protection of use coverage.
- Take into account several adding alternatives to your insurance policy. Replacement price coverage does not bring down the value of all the replacing items in your home. You are going to receive the money necessary to replace the item as if it were brand new.
- The next important thing to do here is to review insurance quotes on the net to compare dissimilar companies. You can easily search online to receive quick quotes from different firms in your region. Be certain you have specific land information regarding your condo on hand when enquiring about a quote. A lot of local agents will offer you quote on the telephone. Be certain the quotes are for the similar amount of coverage.
- Choose a deductible that you can afford. Although a bigger deductible leads to lower payments, it is essential to choose an amount you will be able to spend if you require to file an insurance policy claim.
So, these are some of the most essential points to remember regarding purchasing condo in the best possible way. You got to surf the net and check out your prospective options. Read this article carefully. It could be of great help to you. Have a lot of fun and enjoy yourself while buying a proper insurance policy.

Article Source: http://EzineArticles.com/6845944

Samsung UN32D6000 - Three Reasons Why You Should Buy This 32 Inch LED

Looking for a HDTV that gives the value for your hard spent money?The Samsung UN32D6000 will satisfy this condition. Irrespective of whether you have recently renovated or purchased a home, this TV will impart style to your home. A 32 inch TV will certainly fit any given living room without making the room appear cramped up. The additional advantage is that the TV will also fit any given budget. If you are researching various options, you can try this TV and we will tell you it's three wonderful features that will indeed impress you.
The first impressive feature is the looks of this TV. It is sleek, stylish and classy.It will add grandeur to your living room and surely impress your guests. It has a narrow, one inch black classy acrylic trim. While some people may crib about it not supporting 3D, we feel 3D technology is not fully developed yet and has many flaws. The LED TV will take your movie and sport viewing experience to a whole new level. This TV indeed takes the home theatre experience to another level. And since it is a Samsung, you already know about the CMR or the clear motion rate.This CMR is the measure of the TV's picture quality of fast moving images. The UN32D6000 has a CMR of 240. In simpler terms this is an amazing rate. Apart from the impressive CMR, the TV has a dynamic contrast ratio of 5,000,000:1 and a Full HD resolution of 1080p.
The second best feature of the Samsung UN 32D6000 is the syncing feature made possible by the ALLSHARE DLNA. This allows you to enjoy all the internet features without hooking the TV to your computer. All you need is a router and with some technical guidance you can set this feature up. A simple Ethernet connection can also allow you to hook up the TV to the laptop so you can enjoy internet. Also there are 4 HDMI input ports and 3 USB ports that allow for multiple viewing options.
If all this is not enough, the Smart TV functionality of the Samsung UN32D6000 might really sell you on this TV; this allows you to connect to a host of Samsung apps on your HDTV. This way, you can easily search for movies and shows and also connect to your favorite digital content like videos, games and social sites like Facebook etc. Imagine accessing all your apps on the LED TV!
Let us summarize the features of the Samsung UN32D6000 TV. The TV is sleek, thin and visually amazing. This TV is environmental friendly and has lower energy bills. It has the Samsung's innovative 'Touch of Color' that makes the style very attractive-this basically adds a hint of amber to black for a special glow. Your TV will impress even when it is off. The SMART TV helps you enjoy favorite apps. The ALLSHARE DLNA network allows you to access photos and more from your home internet network.

Article Source: http://EzineArticles.com/6843546

Top Tips to Do Up Your Home

When you want to renovate your home, it is a sensible decision to hire a contractor for assistance. The contractor can help you to do the entire revamping of your home with finesse. It is possible that you want to start from scratch, while at most times you just want to do a touch up to give your home a better feel. Whatever the situation, your final objective is to give your home a fresh and warm look.
Check out the following home renovation tips:
Tip No.1: Use the Right Colors
The color you choose for your room can both lighten up your room and make it look bigger or, otherwise. Light shades of yellow, pink, green and blue can lighten up your room and give it a fresh look. Light colors also make your room look more spacious. However, there are instances where darker shades of a color are better.
Your choice of color should befit the purpose of the room. If it is a living room and kitchen, it is advisable to go for darker tones of red, orange and such colors since they stimulate conversation. While light shades of blue, green and beige have a cooling and soothing effect so they are better for bedrooms, where you want to relax.
Tip No. 2: Work up the Walls
An empty wall is plain boring and can make your room look far from exciting. To warm up your room, you can use simple paint colors with a matte or glossy finish, textured wallpapers, acoustic sound panels etc.
Acoustic sound panels are the new thing and make your room look trendy. Acoustic sound panels are best to for noise reduction as they are soundproof panels. These are trendy and come in different designs and textures. You can use these soundproof panels on walls and ceilings.
Tip No. 3: Give it a Touch of Nature
Indoor plants add more color to your home. Plants give your home a very natural and welcoming feel. They also work as a stimulus to soothe our minds and feel relaxed. Plants are a great accessory for your house and can work to connect you with nature. Other than that, the green effect just lightens up your house and beautifies it further.
Tip No. 4: Use Warm Furnishings
It is important that you choose suitable furnishings that suit the purpose of the room. Your living room should have cozy sofas and couches, with coffee tables to give the place a very casual look. Make sure to leave open spaces and not cover up the entire space with furnishings. Furnishings placed at a reasonable distance give your rooms a neater and cleaner look. Excessive furnishings make the rooms look untidy and hamper the entire look.

Article Source: http://EzineArticles.com/6843737

9 Ways to Enjoy the Sound of Silence at Home - Soundproof Your Home

Are you tired of the late night parties in the neighborhood that prevent you from sleeping through the night peacefully? Is it that you live in a high traffic zone and the constant noise pollution has made your life a living hell?
If you answered yes to any of the above questions, you have come to the right place. This article gives strategy that can help you to regain the peace in your life without any change in external noise stimuli.
1. Sound Proof Wall Sheets
You can use sound proofing walls sheets to attach on the wall before you put up the drywall. This can relatively decrease the amount of noise intrusion.
2. Fiberglass Insulation
Fiberglass insulation into hollow wall structures can significantly help to soundproof the house. You can insert the fiberglass and then cover it up with the drywall yourself too, but it is better to get hold of a professional who can do the job efficiently.
3. Door Openings Not Opposite Each other
Make sure not to have door opening in front of each other, the passage of air across from both ends can contribute to noise intrusion.
4. Vinyl Windows
Having vinyl windows is a great way to cut down on external noise. Double or triple layered vinyl windows can help you solve two issues. Firstly, it soundproofs your home. Second, it insulates your house from both heat and cold.
5. Noise Reduction Insulation
Noise reduction insulation with acoustical panels is a great source of mitigating noise pollution. Acoustical panels are made of cotton fabric that absorbs sounds in the environment to a significant level and let you relax at home.
6. Add Furnishings
You can put up curtains and rugs, carpet your entire floor, and place some kind of furnishing in empty hallways. Use soft furniture because it absorbs more sound. You can also decorate your empty hallways with plants. Plants not only help to decrease the noise but also add to the beauty of the place. Plants also help to relieve stress and relax the body.
7. Double-Layered Wall
Put up a second wall inside the current wall. Insert sound insulation clips that ensure to have both walls apart from each other at a certain distance. The space between the two walls absorbs the noise and prevents it from passing through to the other side.
8. Latex Paints
You can buy and apply latex paints. Latex paints are made of fibers that facilitate to reduce sound because of their sound absorbing ability. They are easy to apply just like regular paints so you save yourself an ample amount of money that you would otherwise have to spend if you had to hire a professional.
9. Soundproof Wall Coverings
You can use soundproof wall coverings that are readily available at all home stores. They are also available with paint and wallpaper suppliers. These sound reducing wall coverings are an easy way to sound proof your home with not much labor work

Article Source: http://EzineArticles.com/6843767

Internet Movie Streaming

Have you ever been frustrated at the prospect of trying to hire out the latest blockbuster DVD, having to drive to your closest outlet only to be told "they are all booked out". Now there is an alternative using fast Media Streaming devices via the internet direct to your Plasma television. In this article you can discover which device might suit your needs!
This was my experience recently when trying to rent the Blu-ray Cowboys and Aliens. That got me thinking, what about buying one of the new Media Streamers and attaching it to my Plasma television?
Having a relatively fast internet speed of 11MBytes/sec would allow me to open up a whole new world of digital media, from streaming music files and internet radio to HD movies from the likes of Netflix and Blinkbox. But which device would suit my system, because my internet router is situated in my study upstairs.
I could buy a device like the more expensive D-Link Boxee which includes a wireless connection or spend less money and go for the new Sony SMP-N200 which is more of a straightforward streamer at half the cost.
Further Investigation
Since being released a few years ago the D-Link Boxee which was able to play a wide range of video and music files has undergone a software upgrade. It's cost is £200 and can play high quality audio formats (FLAC and WAV) as well as HD video (inc MKV files).Outputs include two USB sockets to enable it to connect to external devices and that could include an external Hard drive. This would effectively create an inexpensive server. Also the Boxee will communicate with any NAS (Networked Storage Device) on your system which will allow you to browse your library of video,music and media data.
Interestingly, Boxee now has a dedicated BBC iPlayer app onboard which means it is easier to navigate around and as long as you have at least 2MB/sec internet speed, browsing quality should not be a problem.
However what struck my interest the most was the fact that the movie-streaming provider Blinkbox had now signed up to include a dedicated Film app too. YouTube was also catered for and a big plus for music fans the addition of Spotify.
It seems that D-Link are on to a winner here!!
What about a viable alternative? Well as I mentioned earlier the Sony SMP-N200 can provide a simple Smart-TV upgrade.Coming in at just under £99 it can also play a variety of video and audio files, although it will not handle MKV or AAC Files over the network.it will however play both these formats via its USB input.
This device includes wifi and its software menus are easy to navigate around and similar to those found on its Blu-ray players and TVs. A big plus for those of us with older TVs is the fact that the SMP-N200 also sports analogue audio and component video outputs.
If you do own a 3D Flat Screen TV, Sony can also display 3D Video both online and via USB. Whether you are streaming the BBC iPlayer in HD or using its Video Unlimited film service, we have been told the sound and picture quality is superb.

Article Source: http://EzineArticles.com/6840290

Choosing the Best Web Content Editor

A web content editor plays a significant role in online business development. Their work revolves around website content, image and video content of websites. They have extensive knowledge on the various web technologies needed to create marketable web pages for websites. Though their work may vary depending on their skills, they are solely responsible for appropriate creation and placement of relevant content for websites.
To achieve online visibility, content should be the main focus for any online business. Most people visit the internet to look for certain information, products or services. With the right optimized content, online businesses stand a chance of getting traffic by making use of a web content editor to make their content more web-friendly.
Online business owners have to consider some important factors before hiring the services of a content editor. Experience is one of the most important factors to consider especially when dealing with new businesses or already established businesses. This is because experienced editors know exactly what a website needs to boost its overall performance in its niche market.
Quality is also very crucial and the best way to verify this is by checking their client portfolio. Expertise is what you should be looking for in a web content editor. The type of services offered is also important to consider as some editors only specialize in some services while others provide all web content management functions.
Professionalism is also important so as to achieve lasting positive results for your online business. Reputable editors help establish businesses in the market and create a competitive edge above the rest through original and fresh content that keeps website visitors engaged. The more people visit the website, the more the visibility the site gets.
Price should also be considered as hiring a professional web content editor is quite expensive in some countries. Due to this reason, there has been an increase of web editing services on the internet. These outsourcing companies have offered business owners the opportunity to choose among hundreds of providers and also compare the different price packages they offer for their services.
Outsourcing services are much flexible in terms of pricing. By doing enough research online, you can easily get web editing services at affordable prices within your budget. Major companies globally are turning to these outsourcing companies for their web content editing needs mainly due to the cost effectiveness that they offer.
Consider specialization when choosing a web editing company. This is because they are most likely to create a successful online marketing strategy through unique content for your business. A reliable editor values the importance of meeting client deadlines and maintains constant communication with the client.
They should be well equipped with the best and latest web editing skills and embrace new technologies. Their writing skills should be exceptional and results of their work impressive. They should have a proper understanding of the various web editorial policies. Hiring the services of a good web content editor ensures that online businesses achieve success in the highly competitive internet market.

5 Most-Important Writer's Resolutions

The New Year has arrived, and with it, gazillions of resolutions. Writerly ones included, of course! I get tons of emails this time of year from folks recommitting to their book writing goals, which is a great thing. The love of the written word, and how we all connect with it, always warms my heart.
But like dieting resolutions, scaling back a hair will help you successfully meet them. So, let's put our writing resolutions on a diet, so that we can put our power behind making our dreams come true, and focus on the crux of the issue.
Number One: Slow Down. Everyone wants to be published yesterday. That in itself isn't a bad thing-it's one of those goals that keep you slogging through the slough of despond, as John Bunyan would say. But I can promise you this is one of those instances where the tortoise beats the hare. The number-one thing I see that trips writers up is rushing. I always cringe when someone comes back to me with revisions quickly-because I know before seeing them that everything will have to be redone! Hurrying will leave cracks in the walls of your story's structure someone will drive a Mack truth through. And it's a true creativity killer.
Number Two: Take a Publishing-News Fast. Let's face it-the news from publishing is mostly depressing. Major imprints closing down. Editors losing jobs all over the place. The latest news of print sales falling 9 percent last year makes your heart plummet, even though this slack and more has been taken up with e-book sales. Some of us have no choice but to follow the business end of things, but you don't-you can take a nice long fast from this and let your creativity soar. Whenever I'm writing, I let publishing go take a long hike-in the opposite direction from the path I walk.
Number Three: Let your Creativity Soar! Write, write, write, and write. Don't self-edit as you go, just tag along behind your characters and see where they take you. Follow every thread, no matter how whimsical it seems. In fact, the more fantastical in the creative phase, the better! Run with it. Laugh, play, dance with the drama. You will go into book editing and revision way on down the line (so you never have to worry that you'll be embarrassed later about some bone-head move now). For now, be free!
Number Four: Damn the Naysayers. And those are legion! Let their lists of all the ways you can't make it in publishing roll off your shoulders. Easier said than done? Nah. Just let them ramble on and as they're doing so, say (silently), whether to your own demons or those of your mother-in-law: "You're probably right. But at this minute, I'm immersed in novel development; I have a scene, chapter, story to write. I'll get with you later."
Number Five: Remember that Writing Well is a Journey. This is not a sprint, it's a marathon. Our point isn't to be published next week. Our point is to write beautiful stories with characters who leap off the page, and with whom we all want to tag along for their journeys. All we're looking for is progress, growth, the ability to see that what you've written today was better than yesterday, or last week, or last year... And I can absolutely guarantee that if you write, if you read and study your craft, and write again, you will get better.

Article Source: http://EzineArticles.com/6834488

Using Humor to Enhance Public Speaking

1. Use humor to relax and warm up your audience
The opening of your speech must grab the attention of your audience immediately. It must increase the interest of your audience and lead right into your topic. One way to begin is with a humorous story. There is a catch to this...the humorous bit must fit in with your topic. It can't be way out in left field completely cut off from the rest of your speech.
A story is more than a joke. It is longer than a joke and it has to have some background. It needs a punch line which will sashay right into your speech, but be sure to pause and wait for the laugh.
2. Know your audience
You should know several things about your audience:
- the age range - if you are speaking to an audience of older members, they will have different experiences than college students and will find different things amusing.
- the male and female ratio - gym locker room humor might be fine for a male audience, but might not go over so well to an audience of women or even a mixed group of men and women.
- an audience of a particular occupational group - you may be speaking to a group of lawyers, doctors, nurses, accountants or sales people. You could use a story or an anecdote having to do with this special group.
- a political group - if you speak to a political group, tread lightly. If your anecdote or story is offensive to someone or if the topic is controversial to someone, you will usually lose the attention of these listeners
the education level of your audience - their education level will affect the kind of story you tell, the words you use and the way you tell the story. Don't use offensive stories, including those involving inappropriate language or that involve sex, religion, ethnicity or racism. No speaker can become a success by using an off- color presentation. There is a large supply of words that can be selected so there is no need to choose off- color material that you think might get a laugh. Remember you are not a comedian or a clown - you are a public speaker. Such material is bound to offend some of your audience, but if you use appropriate language, it is unlikely to offend anyone.
3. Your story must be funny to you.
Don't tell the story as it is written or the way you have heard it - put it in your own words. Personalize it as though it is something that happened to you. Tell it the way you would tell it in a conversation with a friend. You can embellish it,dress it up. You can insert one-liners here and there making fun of yourself like something that happened to you during exercise or the size of your feet and people will be amused. Be careful not to make fun or put down someone in your audience or of someone, some place or company that listeners admire or you are likely to alienate your audience.
Timely Tips - You have heard "location, location, location" about real estate. With speaking, it is "rehearse, rehearse,rehearse". Tell your story to family and friends. Rehearse your speech in front of a mirror. You will probably get tired of the joke, but if you thought it was funny when you first heard it, chances are that your audience will enjoy it too. Don't laugh at your own story. If your listeners don't think the story is funny, your laughter won't change their minds. Don't introduce your story with "have you heard about..." or "here's a funny story...". A good story will sell itself and it should have an element of surprise. Don't eliminate the surprise. It's important to keep a straight face so you don't give away the punch line. Be confident and keep eye contact with your listeners straight through to the surprise punch line.
Some stories fail. Sometimes a speaker stumbles in telling the story or maybe the story chosen was not suited to the audience. If there are several speakers or a long program, the audience may be tired and inattentive or the sound system acts up and the story loses its tension. After you deliver the punch line, pause, and scan your audience. If you don't get a smile, a chuckle or a laugh, go on with your speech as though the story is meant to be serious. Your audience may accept it as serious and won't notice.
Don't give up. Keep a file of funny things that happen to you or those you see and hear. Draw on them as you prepare your speeches. Your speeches will be enhanced when you learn how to dress them up with humor.

Article Source: http://EzineArticles.com/6718730

Voice Training Can Do Wonders for Your Public Speaking Career

It fascinates me how many people are seeking help in public speaking and presentation skills yet how few realize that their speaking voice is the vehicle for their message. Voice training is not just for actors and politicians. It is something you should strongly consider if you are looking to get on the public speaking circuit.
Not only will you sound better but you will discover a voice that has the ability to last throughout the day and not sap your energy in the process. There is no doubt that public speaking is tiring. The nervous energy it produces can be fatiguing; however, if you learn how to power your sound by means of your chest cavity instead of your throat and vocal folds, you will discover an immediate difference in that respect.
You will also be able to increase your volume without shouting. This is known as projection and is only possible if you are powering your voice by means of your chest cavity. Anything else is called shouting or yelling.
The real issue, however, deals with how you sound. When you hear yourself on your answering machine or voicemail, are you disgusted, shocked, embarrassed. As much as you may wish to ignore what you hear on recording equipment, you should not because everyone else recognizes you that way. It is the truth.
You may find your voice nasal, whiny, weak, wimpy, shrill, loud, too fast, too slow, too soft, or too loud. These are just a few of the adjectives that can describe a voice that is being powered primarily by the throat and/or vocal folds (cords.)

• Voice training means a voice that will probably be deeper in pitch, definitely warmer in quality and resonant. Rich, full, round, mature sounding. Not too old; not too young.

If image matters to you in your pursuit of the stage and the wonderful career of addressing audiences, then do not ignore what your voice on your voicemail is saying to the rest of the world. It is part of the image you project. In fact, it accounts for 37% of the image you are projecting.
Imagine captivating your audience just by the sound of your speaking voice. It can happen to you if you choose to find your 'real' voice, the one that comes from your chest cavity. When that happens, you will not only have a better voice but you will discover the best means of controlling your nervousness, your speed, and every other aspect about your delivery.

Article Source: http://EzineArticles.com/6849732

Get Paid to Play Video Games: No Gimmicks

Gaming has become such a lucrative market. Many online games even require a monthly subscription and allow game makers to continually profit on their games. Very popular games even market to their players both in and out of game to make even more money. It's unfortunate that all of this money goes to the game makers and without you, the player, this would be impossible. It's simply not fair and I believe a change is due. But how do you as a player make money from the games you play when many games will ban you for various ways of making money?
Gaming has become so popular that in some countries it's considered a sport. People love gaming, from computers to consoles and even now smart phones. People play for competition, they also play to relax and unwind and now they can even get paid. People have known about beta testing video games for a long time, there is nothing new there. But what about getting paid to do tasks in game, as in: game tasks. Think of it like they're errands you would do for a friend in the real world, but instead in the virtual world, and for a few dollars.
Think about it, people pay for services in the real world all the time. Iron my clothes, wash my car, mow my grass. We constantly out source things we don't want to do. This same ideology can be witnessed in video games. People don't want to spend vast amounts of time so they buy and sell in-game currency. Unfortunately this is against the terms of service of most games and will get you banned. However, you can still make money by doing things that won't get you banned.
New players need help with all sorts of things. They'd like to be run through instances, taught how to PVE and PVP and they'd love to read your guides. You are only limited by your creativity. Imagine you're a new player and you don't have a lot of time, what would you pay for? They're just like every other consumer with needs, so let's appease them.
Now there are websites that allow you to offer a service, such as running players through an instance and so on. What you do is up to you, be creative, but most importantly, get paid to play video games! The process is simple: someone purchases your service and the money goes to the website for holding until the service is complete and then the website dispenses the money to you. Registration is free and you don't need to supply personal information so it's really a no-risk situation for you.

Optical Cables: Cutting Edge Technology

Typically, optical cables are used for audio connections, but they are also used for a multitude of applications. For instance, they are utilized for computer connections, but new devices create a demand for cables with higher capabilities. This is why manufacturers continuously work to come up with superior cables that are able to meet current needs.
Buyers should invest in good quality cables. Some people are not willing to spend more and would resort to buying cheap cables and devices. However, cheap cables would prove to be cheap in the end. These old cables may no longer be compatible with future devices.
Components of an Optical Cable
This is a cable that is made of optical fibers with strong resin coating which is then encased in a plastic layer. The plastic layer is known as the jacket layer, which gives the cable its' durability but does not affect the signal transmission ability of the optical fibers. The fibers, on the other hand, are made of special types of plastic or glass that are transparent. Hence, the fibers are capable of transmitting light signals or electricity. They allow transmission of huge amounts of data and also make it possible to provide a medium for data transfer through a bandwidth connection.
Protective Coating
Cables that use optical fibers come in different coatings, and the type of coating depends on how the cable will be used. The coating generally serves to protect the fibers inside from the external environment. Protecting the fibers is necessary as they transmit signals, which should remain unchanged as much as possible throughout their journey along the entire length of the cable. Cables that are installed in tough environments need to have stronger protective coverings. Inevitably, most cables pass through various harsh environments from their sources. They may have to be attached along power lines, buried underground, or installed underwater.
Indoor and Outdoor Cables
Cables used for home or studio equipment may only have a light plastic jacket. These consumer grade cables have optical fiber connectors at both ends that allow connection between common devices, say computers and speakers.
Optical cables that have to be used outdoors have loose interiors but more rigid coverings. The combination of loose insides and a firm exterior gives these cables some resistance against the weather and other damaging forces.
Waterproof Sheathing
Generally, cables have waterproof jackets regardless of their type. Outdoor, indoor, home, and industrial cables should have waterproof casings to prevent electrical failures. Moreover, optical fibers must not be exposed to water, which has an ionizing effect on the fibers. Once the fibers come in contact with moisture, their performance is affected. Optical fibers can also suffer from reduced strength and stability once they become wet. Manufacturers ensure that the fibers are completely locked in to prevent seepage of water. This protective sheathing plays a crucial role in underwater cables.
Wide Usage
The market for optical fiber cables ranges from average consumers to huge industries. Manufacturers have answered these needs by creating a wide range of cables to match the diverse needs of buyers.

Article Source: http://EzineArticles.com/6841761

Can Any Other Charger Be Used With a Dell Laptop?

Over the course of time you may have wondered if you always have to use a Dell laptop charger with your Dell laptop. Maybe you've had to buy another charger and you saw one under another brand that was cheaper, or maybe you just happen to have a charger left over from an old computer you used at one time. No matter what the reason, the question's probably crossed your mind at least once if you are a Dell laptop owner.
The answer is an emphatic "No!" When you are going to recharge your Dell laptop you must use an authentic Dell laptop charger or the results could be disastrous.
Now pay attention, because this isn't just some doom and gloom prediction that will probably never come true. If you use any other charger except a Dell Power Supply you are courting disaster. Ignoring all advice against this, some people have opted to use another brand of adapter with a Dell laptop and have regretted it. Here's why you should absolutely never do this:
1. Many laptop manufacturers consider using another type of charger to automatically void the warranty.
2. Different laptops use different power supply types and power settings. That's what makes it dangerous to use a charger that is not the same brand as the laptop.
3. Dell has made their laptop and notebook chargers proprietary. What that means is that you must go back to Dell and buy their make and model of charger. Even the connectors are Dell specific.
4. Even if the charger fits don't use it. There could be subtle differences in the electrical frequencies which might prevent the charger from charging the laptop's battery. The charger could even end up damaging the laptop.
5. If you use a different charger your battery won't charge because there is a regulator inside to prevent you from using another brand. It's also there to prevent a complete meltdown of your laptop, because the frequency and current of the electricity is different for every laptop.
6. If you use a different charger not only could you damage your laptop so severely that it could be rendered irreparable, but you could also cause a fire or even short out the electricity in your home.
Dell laptops and Dell laptop chargers are designed to be compatible only with each other, so if you use another type of power supply you do so at your own risk. When your laptop is damaged by doing this you will have to have it repaired, or even buy another one out of your own money, and that's not a cheap prospect. Besides, why would you want to go with another brand of charger anyhow? Dell keeps its chargers reasonably priced and readily available both online and in stores.

Article Source: http://EzineArticles.com/6839959

Used Network Hardware Fulfills the Demands of a Condensed Budget

A company has the option between purchasing new or used equipment when supporting a business technology infrastructure. Organizations use a local area network or LAN with a high bandwidth to share items such as Internet connections, applications, devices, and data storage among users. The hardware implemented for a LAN can be simple or extensive based upon the number of users and amount of processes being handled. A basic setup will often include computer equipment, peripherals, switches, and workstations for filtering various requests across a Local Area Network (LAN). Redundant components are common throughout a LAN setup to ensure failure does not significantly affect business processes. Large companies may have multiple LAN's working in conjunction with a Wide Area Network (WAN) for advanced connectivity over a large-scale geographical region. Used network hardware allows any organization to acquire what is needed without having to overspend on beneficial technology.
Refurbished Servers: Where Do They Fit Into the Networking Picture?
A LAN links personal computers or devices to other components for sharing among users. They can include a combination of workstations, laptops, computer equipment and peripherals, printers, and other resources. Some businesses set up a system solely for the benefit of increased data security while others desire these components to accomplish specific tasks such as web service management. In general, a LAN or WAN is a tool employed to facilitate communication between users and devices. Individual company needs define the exact purposes behind this type of infrastructure setup. Renovated units are one method of expense control a business has when obtaining them. Any business can take advantage of the price reduction offered by resellers as long as the available equipment meets the exact functionality demands of organizational processes.
Several systems components are employed to accomplish a secure connection to renovated units or components being shared across the system. Either cabling or wireless antennas must be present to manage each connection. While wireless methods are less costly to implement, they also produce slower speeds when being utilized by many connections. A wireless setup can pose security risks and is most often employed for limited laptop connections. Cabling that connects computers goes into switches consisting of one or many NIC cards for fast traffic routing. An administrator can log into these components when needing to manage connections or change settings. Designs determine the number of manageable connections through each individual switch. They may be interconnected and arranged to support a large number of workstations.
A router can then be implemented to connect single or multiple LAN's to a WAN or other larger type of network. Other components such as load balancers may be employed to further manage traffic when resources are being shared for service like a website. Proxies, firewalls, and routers are all components an organization may use to increase security. Workstation counts, outside connections, managed services, and numerous other factors determine what a business will need to create a reliable networking infrastructure. An extensive amount of computer equipment and peripherals may be necessary to meet organizational needs. Used network hardware reduces the total investment a business must make to accommodate the processes and users being managed by this setup.

Article Source: http://EzineArticles.com/6849791

Government's Increasing Role In Today's Internet

Recent studies have highlighted the dangers of today's Internet. Seemingly, innocent queries have turned into incredible hardship for some users. Unsuspecting Internet surfers have unknowingly brought upon themselves a plethora of petty and not so petty criminal activity. The common flim-flam man may now be operating inside that ubiquitous little black box sitting right there in your own home.
To be a victim of a crime you no longer have to be walking down a dark alley or walking to your car in some dimly lit parking lot. A 16-year-old ne'er-do-well or a member of a criminal organization could perpetrate this crime. This crime is called Internet fraud.
Popular keyword research tools have made it possible to obtain thousands of variations of the most popular phrases, words, or terms commonly used by searchers. Although the overall risk for being infected by one of any number of viruses, spyware, and Trojan horses is reportedly, less than 2%, the overall numbers of people affected is growing. Researchers maintain the most contentious websites were over 10% malicious. The worst offenders were offering anything that involves the expression "free," or music downloads, or screen, savers, or free toolbars. This type of website was reportedly over 25% malicious.
Current Internet systems are struggling to keep up with technology that is easily accessible by spammers and criminals, culminating with today's insecure Internet environment which some say has retarded the development of Internet Commerce. Spyware programs nestled inside a seemingly legitimate download, users unable to stop downloads and/or uninstall programs, and social media sites being sabotaged with their clients being redirected to malware sites. These serious problems need to be considered today.
Thievery and fraud are two crime categories that are being expanded daily. Continuing this trend will eventually prompt the federal government to intervene in a more comprehensive manner, such as President Obama's" cyber security initiative." From a law enforcement perspective, policing Internet fraud has its own definitive problems, mainly to do with the international complex and the difficulties related with the investigation and prosecution abroad.
• Are search engines 100% responsible for content?
• Does the consumer have some responsibility for what they download?
• Is it that the Internet merely enables traditional forms of crime to be carried out more extensively?
It may be concluded that some aspects of Internet fraud represents a serious problem, although perhaps not yet in the category of "crisis." Statistically, Internet fraud is of no greater importance than other types of economic crime. Although the number of victims suffering at the hands of online criminals is large, the impact of the problem in the community as a whole is of median importance only. It is crucial to mention there are those who stand to benefit from the depiction of Internet fraud as being in a state of crisis. As well, there are those who may wish to downplay the situation.
It is necessary to recognize change is necessary, but it needs to happen carefully and deliberately. Any positive action will have a reaction. That reactions impact on the internet as a whole is unknown.

Article Source: http://EzineArticles.com/6825779