Author : Terje Ellingsen
Do you have many claims? If so, you should do all you can to reduce them or even endeavor to file no claims at all. Why do I bring this issue up in an article about lowering your auto insurance quote? Because the number of claims is the single factor that to the highest degree influences the cost of your insurance premium. Let me give you an example: Let's say you have 5 years of no claim. Most companies will then give you an unbelievable discount of your premium, some of them even 75%! It goes without saying that this is the most powerful way to get cheap insurance.How can an insurance company do this? Look at an insurance company as a big box of money dropped in by people who gets security in return. What the company does is simply to reallocate the money that is left when the payments for damages are deducted.People that have many damages and file many claims, must pay a higher premium and thus get a higher car insurance quote.But a safe driver that avoid claims, is rewarded with a lower one. Fair enough?If you are new to insurance - or even if you have had insurrances for some years, but feel you lack knowledge about it. - I'll advice you to learn the basic auto insurance terminology, before you start to shop around. It can help you, not only to get a low cost insurance but also to make the correct coverage decisions for you. Let's do a little test: Do you need PIP coverage? What does PD coverage mean? What is BI coverage?Do not accept the first quote you getIf you ask an insurance company for a quote, you can be almost hundred percent sure you'll get a better one from at least one other company. Comprehensive marketing research the recent years has shown that prices for a new six-month policy with comparable coverage can vary greatly between different companies. And we are talking about spreads in rates of at least $500So, equipped with this knowledge both you and I know that it pays to do a little legwork and shop around for car insurance.Most insurance companies have a form of questions you must provide answers to in order to get an understanding of your security situation. It is really astonshing, how much the criterias for determining the price can vary between companies. What one company may consider a high risk factor another company may view as a minor risk. So why not take a little time to compare rates for a number of different companies?The first thing you should do before you start this comparison is to go through your insurance coverages and keep your auto insurance policy on hand. Then go online and start to shop around. The internet is probably the most comprehensive, fastest and easiest way to find a decent vehicle insurance quote.And what's even more incredible, many insurance companies now offer some great discounts for buying the policy over the web - a discount that come in addition to the no-claim discount described above.How is this possible? To handle an insurance sale in general cost money for the companies. However, a sale on the internet will cost less money than selling it over the counter. They do not have to involve human resources if you purchase it online. Thus the companies save money on your internet purchase, and a part of this saving is passed on to you as a discount, a significant discount if you buy from the right company.Terje Brooks Ellingsen is a writer and internet publisher. He runs the
website cheap-used-cars.w-eland.com
Terje gives advice and helps people with automotive issues like how to get cheap car insurance and auto owners insurance
in general.
Category : VOIP
วันเสาร์ที่ 17 พฤษภาคม พ.ศ. 2551
วันพฤหัสบดีที่ 15 พฤษภาคม พ.ศ. 2551
High Blood Pressure Alternative Treatment - Supplements and Lifestyle DO Make a BIG Difference
Author : Paul Newland
Hypertension affects over 20% of the population and more and more people are now looking to high blood pressure alternative treatments and lifestyle changes to improve their health. In fact, if you read about the side-effects of your current medication, I’m sure you will be tempted to take a look at alternative treatments as well.High blood pressure, or hypertension, is determined by the amount of blood your heart pumps and the resistance the blood encounters as it is pumped through the arteries. Blood pressure is represented as the systolic pressure (when the heart is contracting) over the diastolic pressure (the pause before the next beat).If your resting blood pressure is consistently over 140/80, you have high blood pressure.High blood pressure is not actually a disease but is an indicator of increased risk of stroke, heart failure, heart attack and kidney failure. It is also associated with coronary heart disease, arteriosclerosis, kidney problems, obesity, diabetes, food allergies and endocrine gland problems which cause hormone imbalances.According to health and longevity expert, Dr Joel Wallach, when considering a high blood pressure alternative treatment the most common reason for high blood pressure is a calcium deficiency. As a result, people suffering calcium deficiency diseases - such as osteoporosis, arthritis, kidney stones, muscle cramps and twitches etc â€" also suffer from high blood pressure.It can be a silent disease, however other symptoms can include dizziness, a red face, headaches, fatigue and ringing in the ears.Diet and Lifestyle for High Blood Pressure Alternative TreatmentThere are some lifestyle and dietary changes you can make, starting immediately:• Drink approximately eight glasses of water per day.• Quit smoking and avoid caffeinated drinks.• Consume a high fibre, low fat diet with plenty of vegetables.• Avoid sugar, refined flour, fried foods and margarine.• Reduce your intake of red meat.• If you're overweight - you need to lose weight and finally,• Stress management can also have a dramatic affect and is being used by a number of medical practitioners.Health Supplements for High Blood Pressure Alternative TreatmentNatural health supplements for helping high blood pressure should include:• Plant derived colloidal minerals - which contain a highly absorbable form of calcium and other minerals and• Calcium and magnesium supplements can work well â€" make sure you buy something high quality because these two minerals are in fact very hard for the body to absorb• Essential fatty acids as fish oil may reduce the 'stickiness' of the blood and help by reducing levels of 'bad cholesterol'.• A good multivitamin complex is useful as a high blood pressure alternative treatment and should contain Coenzyme Q-10, antioxidant vitamins A, C & E and the herb Hawthorne Berry. These provide nutritional support for the cardiovascular system.When combined with a sensible diet, weight loss and some exercise, you will be amazed at the results you can achieve without the use of heavy drugs.
Of course, we always recommend you work with your health care professional - in fact tell him or her you would like to start with a high blood pressure alternative treatment program. That way your medication can be monitored and reduced as the effects of lifestyle and nutrition begin to assist you on your way to better health.Copyright http://www.Global-Longevity.comPaul Newland is a health writer, sports training consultant and martial arts instructor and manages the Global-Longevity.com website.
He is the author of numerous health information books and guides, including the Wellness Report, The Ultimate Antioxidant Report, The Selenium Report, The Bird Flu Report, The Ultimate Nutrient Guide and The Essential Fatty Acid Report and The Ultimate Sports Nutrition Guide - available Free (for a limited time) through Global-Longevity.com
Category : Motivation
Hypertension affects over 20% of the population and more and more people are now looking to high blood pressure alternative treatments and lifestyle changes to improve their health. In fact, if you read about the side-effects of your current medication, I’m sure you will be tempted to take a look at alternative treatments as well.High blood pressure, or hypertension, is determined by the amount of blood your heart pumps and the resistance the blood encounters as it is pumped through the arteries. Blood pressure is represented as the systolic pressure (when the heart is contracting) over the diastolic pressure (the pause before the next beat).If your resting blood pressure is consistently over 140/80, you have high blood pressure.High blood pressure is not actually a disease but is an indicator of increased risk of stroke, heart failure, heart attack and kidney failure. It is also associated with coronary heart disease, arteriosclerosis, kidney problems, obesity, diabetes, food allergies and endocrine gland problems which cause hormone imbalances.According to health and longevity expert, Dr Joel Wallach, when considering a high blood pressure alternative treatment the most common reason for high blood pressure is a calcium deficiency. As a result, people suffering calcium deficiency diseases - such as osteoporosis, arthritis, kidney stones, muscle cramps and twitches etc â€" also suffer from high blood pressure.It can be a silent disease, however other symptoms can include dizziness, a red face, headaches, fatigue and ringing in the ears.Diet and Lifestyle for High Blood Pressure Alternative TreatmentThere are some lifestyle and dietary changes you can make, starting immediately:• Drink approximately eight glasses of water per day.• Quit smoking and avoid caffeinated drinks.• Consume a high fibre, low fat diet with plenty of vegetables.• Avoid sugar, refined flour, fried foods and margarine.• Reduce your intake of red meat.• If you're overweight - you need to lose weight and finally,• Stress management can also have a dramatic affect and is being used by a number of medical practitioners.Health Supplements for High Blood Pressure Alternative TreatmentNatural health supplements for helping high blood pressure should include:• Plant derived colloidal minerals - which contain a highly absorbable form of calcium and other minerals and• Calcium and magnesium supplements can work well â€" make sure you buy something high quality because these two minerals are in fact very hard for the body to absorb• Essential fatty acids as fish oil may reduce the 'stickiness' of the blood and help by reducing levels of 'bad cholesterol'.• A good multivitamin complex is useful as a high blood pressure alternative treatment and should contain Coenzyme Q-10, antioxidant vitamins A, C & E and the herb Hawthorne Berry. These provide nutritional support for the cardiovascular system.When combined with a sensible diet, weight loss and some exercise, you will be amazed at the results you can achieve without the use of heavy drugs.
Of course, we always recommend you work with your health care professional - in fact tell him or her you would like to start with a high blood pressure alternative treatment program. That way your medication can be monitored and reduced as the effects of lifestyle and nutrition begin to assist you on your way to better health.Copyright http://www.Global-Longevity.comPaul Newland is a health writer, sports training consultant and martial arts instructor and manages the Global-Longevity.com website.
He is the author of numerous health information books and guides, including the Wellness Report, The Ultimate Antioxidant Report, The Selenium Report, The Bird Flu Report, The Ultimate Nutrient Guide and The Essential Fatty Acid Report and The Ultimate Sports Nutrition Guide - available Free (for a limited time) through Global-Longevity.com
Category : Motivation
วันจันทร์ที่ 12 พฤษภาคม พ.ศ. 2551
Can Seller Financing Help You Sell Your Property Fast?
Author : Phyllis Espinoza
You may be an investor or rehabber who buys and sells properties frequently, and the quicker you are able to turn around your properties, the more profitable you are. However, when you sell through conventional means, put the property on the market and then try to find buyers who qualify through an institution, it may be 2 months to several months before you find a buyer who qualifies. Meanwhile the property may be sitting vacant and at risk of being vandalized, and you are still paying taxes and insurance on it.
Is there a way of speeding up the process of advertising and selling the property?There is a solution: Advertising your property while offering Seller Financing.By offering Seller Financing you are in a way acting as a bank and extending financing to buyers who would not qualify through an institution due to poor credit, no credit history or past financial problems such as bankruptcy. Seller Financing expands the base of potential buyers for your property, and this alone increases your chances of finding a buyer much more quickly. It also allows you to work out the terms of the new Note with the buyer that are more agreeable for both of you.What happens if at some point you decide you no longer want to act as a bank and receive and manage these monthly payments?What if you do not want your money to be tied up in this way and instead want to re-invest it?There is also a solution: Once you create the new Mortgage Note at closing, you can sell it for Cash by doing a Simultaneous Closing.Many Note investors buy these new Notes for cash at closing or shortly after, a transaction commonly known as a Simultaneous Closing. The seller receives the down payment from the buyer plus his cash from selling the Note, and is free of the property. The Note investor now acts as the bank and receives the monthly payments from the new Note.You will have accomplished all this in about 30 days, as compared to selling the property by conventional means in 2 to 4 months, or more. This allows you to turn your properties around much quicker so that you can consider other investments.If you are a homeowner looking to sell your property quickly because you have been relocated through your job to another city or state, or because of other personal reasons, you may also want to consider using the above techniques. Selling quickly means no traveling back and forth while the property is for sale, no headaches about possible vandalism, no additional taxes or insurance to pay.But this method is not for everybody. A seller willing to go through this process has to face the issues that usually realtors and lenders go through, such as setting the sales price, screening buyer's applications and dealing with title companies. Some people are more willing than others to do this.To make this work, the seller needs to be organized, have the house documents in good order and be willing to do some homework. That's why there are more investors and rehabbers using this technique than there are homeowners. But the ones that venture into this new territory can be well rewarded at the end.If you want to sell your property quickly and get cash on closing, this may be your best way to go!Phyllis Espinoza is an expert in Simultaneous Closings, an emerging field of creative real estate financing, and the owner of the website http://www.simultaneousclosing.com. Her goal is to help as many people as possible by making this useful technique better known.
Category : Finance:Real-Estate-FSBO
You may be an investor or rehabber who buys and sells properties frequently, and the quicker you are able to turn around your properties, the more profitable you are. However, when you sell through conventional means, put the property on the market and then try to find buyers who qualify through an institution, it may be 2 months to several months before you find a buyer who qualifies. Meanwhile the property may be sitting vacant and at risk of being vandalized, and you are still paying taxes and insurance on it.
Is there a way of speeding up the process of advertising and selling the property?There is a solution: Advertising your property while offering Seller Financing.By offering Seller Financing you are in a way acting as a bank and extending financing to buyers who would not qualify through an institution due to poor credit, no credit history or past financial problems such as bankruptcy. Seller Financing expands the base of potential buyers for your property, and this alone increases your chances of finding a buyer much more quickly. It also allows you to work out the terms of the new Note with the buyer that are more agreeable for both of you.What happens if at some point you decide you no longer want to act as a bank and receive and manage these monthly payments?What if you do not want your money to be tied up in this way and instead want to re-invest it?There is also a solution: Once you create the new Mortgage Note at closing, you can sell it for Cash by doing a Simultaneous Closing.Many Note investors buy these new Notes for cash at closing or shortly after, a transaction commonly known as a Simultaneous Closing. The seller receives the down payment from the buyer plus his cash from selling the Note, and is free of the property. The Note investor now acts as the bank and receives the monthly payments from the new Note.You will have accomplished all this in about 30 days, as compared to selling the property by conventional means in 2 to 4 months, or more. This allows you to turn your properties around much quicker so that you can consider other investments.If you are a homeowner looking to sell your property quickly because you have been relocated through your job to another city or state, or because of other personal reasons, you may also want to consider using the above techniques. Selling quickly means no traveling back and forth while the property is for sale, no headaches about possible vandalism, no additional taxes or insurance to pay.But this method is not for everybody. A seller willing to go through this process has to face the issues that usually realtors and lenders go through, such as setting the sales price, screening buyer's applications and dealing with title companies. Some people are more willing than others to do this.To make this work, the seller needs to be organized, have the house documents in good order and be willing to do some homework. That's why there are more investors and rehabbers using this technique than there are homeowners. But the ones that venture into this new territory can be well rewarded at the end.If you want to sell your property quickly and get cash on closing, this may be your best way to go!Phyllis Espinoza is an expert in Simultaneous Closings, an emerging field of creative real estate financing, and the owner of the website http://www.simultaneousclosing.com. Her goal is to help as many people as possible by making this useful technique better known.
Category : Finance:Real-Estate-FSBO
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