Ways To Get The Most Out Of Your Auto Insurance Plan

Auto insurance is not just an important factor for protecting you and your loved ones; it is also illegal not to have it! There are hundred of auto insurance companies out there who claim to offer the best deals in field. This article will help you tell them apart, and find out who protects you most.

Another type of car insurance coverage in your policy, is medical coverage. This coverage takes care of your injuries and those injuries to other people in your car. Some states just make this a optional coverage in your insurance. If you live in a no-fault state, medical payments are replaced by personal injury protection.

Get your insurance quote before you buy a vehicle. This way, you will know in advance how much everything will cost altogether. Find out if buying a slightly different car will change your rates. Every little bit helps, and if you can walk away with a car that has lower rates, you would want to do so.

Before choosing your next car, make sure you understand what it will do to your insurance policy. We all know that some cars will have a higher premium than others, but most people don’t really know which ones are which. Ask your insurance company for recommendations of cars that are lower risk and thus, have a lower insurance premium attached.

Know what the different types of coverage are and what types are available to you in your state. There is body and and property liability, uninsured motorist coverage, coverage of medical expenses, collision and comprehensive coverage. Don’t assume your plan includes all types of coverage. Many insurance companies offer a la carte plans.

There are many different types of auto insurance companies out there. Get quotes from all of them to find out what is the best price. Many companies now offer quotes online, over the phone, or you can go into any insurance agents office and make an appointment to go over your options.

Maintaining a good driving record is key to getting the best insurance premiums possible. An automobile accident quickly raises your insurance rates. Know your own driving limits, and stay away from any situations that you are not comfortable in. For example, if you have a hard time seeing the road late at night, avoid driving during this time.

In the beginning of the article, it was mentioned that auto insurance can be difficult to navigate, but also is illegal not to have. The tips and tricks you just read will help you learn the differences between all the insurance companies, and which one will provide you with the best protection.

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Robots Getting Smarter; Plan To Enter Politics

Robotic IQ is apparently on the up tick.

Now, we read, the accomplished mechanical wonders can drive, as long there’s not too much to steer around, be watchful lifeguards, and mimic human behavior in video games. And how far a leap is it from video games to political shenanigans?

So any number of the brainy bots have been discussing how they might enter what is, legendarily, one of the world’s least demanding occupations in terms of intellect: politics.

One robot revealed his political ambitions, saying, “I’ve been listening to Senators and Members of the House of Representatives, and I seem to have way more information than a lot of them in my database.”

And a particularly ambitious bot noted, “I haven’t heard President Bush say a thing that’s beyond my current chipset, except one word my dictionary doesn’t recognize. He’s convinced me that I could conduct the Presidency almost as a no brainer.”

In a recent survey, Americans were asked, “What do you think would do a better job of running the country, elected officials of the caliber we currently have or highly intelligent robots?”

A substantial majority exclaimed, “Bring on the bots.”

A second question was, “You realize that their intelligence is artificial?”

The usual response was that most people preferred it to what they perceive as the widespread absence of intelligence among the current rafter of politicos.

 

Gas: Where Does the Money Go?

With extremely high gas prices straining consumers’ pockets in recent months, it is only natural for people to wonder where all the money they pay at the pump goes.  Contrary to popular belief, the price of gas is not solely reliant on the price of crude oil.  There are many parties involved in setting the price of the gas you purchase at the pump, and below is a quick run-through on who they are and what portion of the entire price they require.
– Crude oil:  Crude oil suppliers require the largest share of the pie at about 45%.  This share is determined by the oil-exporting nations and the Organization of the Petroleum Exporting Countries (OPEC) in particular.  The price of one barrel of crude oil depends on how much crude oil these oil-exporting countries produce.  Sometimes gas prices rise despite the fact that there is enough crude oil to go around, and this is because of a variety of other factors, one of which is the quality of oil.  Oil can be heavy or light, and sweet or sour.  These words only describe the quality, not the taste, of oil.  For example, light, sweet crude oil is cheaper and easier to refine, but quantities of this kind of oil have been running lower recently.  However, there is still a lot of heavy, sour oil, which means that refineries must spend more money refining it.
– Taxes:  Federal and local taxes take about 31% of the price you pay at the pump.  Federal excise taxes account for about 18 cents per gallon, while state excise taxes require about 20 cents per gallon.  There might also be some additional state sales taxes, along with local and city taxes.
– Refining costs:  Refining crude oil makes up approximately 13% of the price you pay at the gas pump.
– Distribution and marketing:  The costs of transporting and marketing gas make up about 13% of the price of gas.  Crude oil must be transported from oil-producing countries to refineries, then the gasoline must be transported to distribution points, and then lastly to the gas stations that fill your tank.  All of the costs of this shipping and transportation are transferred to you, the end consumer.  Along with all this comes the marketing that is involved in increasing a brand’s awareness and appeal, and these costs are also passed on to the consumer.
– Gas station markups:  There is no set percentage for this number.  Gas stations are at their own discretion as to how much to add on to the price in order to actually make a profit on the gas that they sell.  Some stations (usually the larger ones) will only tack on a couple cents, while others will add a dime or even more.  Some states have laws that prevent stations from adding on less than a specified percentage over the price that the wholesaler sets.  These markups are also dependent on the area where the station is located.  Demographic information such as median income and population affect the decisions that stations make concerning the exact price they set for the gasoline that they sell from their pumps.

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The Secret To Becoming A Star…

A Star is Made: Where does talent really come from?

Reviewing a new 900 page academic book The Cambridge Handbook of Expertise and Expert Performance that will be published this month, Freakonomics authors report some very interesting findings.

(I highly recommend you read this piece if you have an interest in finding out how a star is made in any discipline.)

Here are three conclusions from this massive work:

1. The trait we call talent is highly overrated.

That is, expert performers – whether in memory or surgery, ballet or computer programming – are nearly always made, not born. And yes,

2. Practice does make perfect. And last, my personal favorite:

3. When it comes to choosing a life path, you should do what you love – because if you don’t love it, you are unlikely to work hard enough to get very good.

They add, “Most people naturally don’t like to do things they aren’t ‘good’ at. So they often give up, telling themselves they simply don’t possess the talent for math or skiing or the violin.”

But the truth is this:

“What they really lack is the desire to be good and to undertake the deliberate practice that would make them better.

Joseph Campbell was right when he told his students, “Follow your bliss.”

And yes, especially in your work. If you don’t love your product for example, chances are you won’t do the deliberate practice it takes to learn how to talk about it so that you get good at it.

If you don’t love SOMETHING about your network marketing business enough to spend the time to learn to do it well, your chances of succeeding are slim to none.

So ask yourself, what do you LOVE MADLY about what you’re doing? Is it making a difference in someone’s life? Is it what the income can buy?

Whatever turns you on, will keep you going.

And if it’s nothing special, perhaps this business really isn’t the best thing for you to be doing. Why NOT love what you do? People can tell if you don’t.

One thing’s for sure in our business: The promise of income is NOT enough. Not for the 95% who drop out, that is.

So what else is there that you love enough or are challenged by enough, to keep you practicing deliberately and systematically, like everyone has ever done who excels in something?

 

Car Buying Tips For eBay Motors

There are a lot of perks associated with car shopping online with eBay Motors, including the buyer being able to set the price. In addition, automobile insurance is more affordable on used cars and, with an auction, the buyer pays in full and there is no hassle of a monthly payment. If you do plan to shop for your next car on eBay Motors, take a moment to consider the following tips to help get you started on the road to car shopping success.

First and foremost, check with your car insurance company before deciding to purchase a specific car on eBay Motors or anywhere else. If the cost of car insurance is a major deciding factor, then you will want to be clear about the costs before you commit to purchasing. In addition, it may be helpful to know that SUVs carry a higher insurance cost than that of a car. With that being said, the cost of insurance will be less on a used car than if that same model were purchased new.

Request a CarFax report from the seller and, if they do not have one, request the VIN number so that you may obtain a copy directly. This report is something that every potential car owner needs to have. Why? Because it contains the number of previous owners that a particular car has had, information regarding whether or not the car has ever been involved in a flood or other accident and whether or not the title is clear. There is also more information detailing a car’s history included, which is why no automobile should ever be purchased without a CarFax report.

Before deciding that your car of choice is the deal of a lifetime, take a moment to research it’s value according to Kelly Blue Book. This company is one of the most respected in the industry and instantly provides new or used car values directly from their website. After entering specific information relating to a car, individuals will receive an instant value assessment according to the information provided. This tool will help all potential car owners to find out whether or not a deal is too good to be true or just not too good at all.

Take a moment to consider the car’s fuel mileage. With gasoline prices what they are, it is important to think about how many miles you will get from one gallon of gasoline. The more mileage you have per gallon, the less you will end up spending in gasoline. This is definitely something to think about!

When shopping for cars on eBay Motors, take special notice of the mileage. This is a good indication of how much life the car has left in it or whether you are buying a car that has seen it’s best days. A great number of cars on eBay Motors have very low mileage, but others are well over 100,000.

As a final thought to shopping for cars on eBay Motors, take a moment to make sure that the car you ultimately select is one that will best fit your lifestyle. If you have a large family, for instance, a compact car probably isn’t the best choice. You will need additional space to make sure that everyone is comfortable and to make it ideal for long road trips. At the same time, a single person may be more than happy in a smaller car because of the simple fact that they use much less gasoline than an SUV or similar automobile. When shopping for cars, either new or used, it’s all about lifestyle and which one best fits yours.

 

Get Answers To Your Auto Repair Queries Here

Every driver hates that feeling when they realize that something on their car has stopped working correctly. The stress involved with getting your car repaired is enough to drive you bananas. Luckily, the following article will teach you everything you need to know about choosing a auto repair service that you can rely on.

When you run into car problems, you should first turn to the Internet to learn what the problem could be. You may find that it is an easy to repair problem that you can do on your own. This could save you hundreds of dollars in labor fees if you had to take it to a shop.

Check your radiator frequently. Let the car run briefly, shut the engine, then open the hood. Never open the radiator cap if the engine is running. Check the radiator fluids using a dipstick and remember to always mix the coolant with water before putting it in the radiator.

It is not legal for a mechanic to start working on your car before you officially authorize them to do so, usually by signing a contract. Be careful what you authorize the mechanic to do. You should only sign documents that include a detailed list of the needed repairs and their prices.

Always ask lots of questions when you take your car to get repaired. Don’t let the mechanic intimidate you. Ask why something needs to be fixed or how it will be done. If the mechanic tries to brush you off, doesn’t look at you, or refuses to answer your questions, consider taking your car to someone else.

When you top off your motor oil, avoid spilling oil on your engine by wadding up a couple of paper towels around the oil receptacle on the crank-case. This will absorb drips and spills. Be sure to dispose of your empty oil container and the paper towels responsibly when finished adding oil.

Look out for obvious “red flags” when dealing with a new auto repair company. If they ignore your questions or talk in circles, you’d be wise to not use their services. Having a mechanic you can trust is extremely important; don’t waste your time with one who can’t make you confident in his skills.

These days, there are a countless number of dishonest auto repair services that can’t wait to cheat you out of your hard earned money. Make sure you avoid these business by using the tips mentioned in the article above. Your efforts will be well worth it in the end.

PPC ADVERTISING: HOW TO MAKE YOUR BUSINESS “CLICK”

PPC stands for Pay Per Click – a popular advertising technique on the Internet. Found on websites, advertising networks, and especially on search engines, PPC advertising involves sponsored links that are typically in the form of text ads. These are usually placed close to search results, where an advertiser pays a particular amount to visitors who click on these links or banners and land on the advertiser’s web page. PPC stands for Pay Per Click – a popular advertising technique on the Internet. Found on websites, advertising networks, and especially on search engines, PPC advertising involves sponsored links that are typically in the form of text ads. These are usually placed close to search results, where an advertiser pays a particular amount to visitors who click on these links or banners and land on the advertiser’s web page.
In essence, PPC advertising is all about bidding for the top or leading position on search engine results and listings. Advertisers do this by buying or bidding on keyword phrases that are relevant to their products or services – the higher the bid, the higher the spot on the search results, the more the people will find the ad (and click on it) to go to their websites (this is why some people call it “keyword auctioning”). Advertisers would then pay the bidding price every time a visitor clicks through the website.
PPC advertising is also known under the following names/variations:
· Pay per placement· Pay per performance· Pay per ranking· Pay per position· Cost per click (CPC)
PPC advertising is usually done with the following standard procedures:
1. Setting up an account and/or deposit funds.
2. Creating a keyword list.
3. Choosing (and setting up) an account with a PPC search engine.
4. Bidding on the ad placement, including the search result words or phrases.
5. Writing out an ad copy.
6. Setting up the ‘landing pages’ for your ads.
7. Placing the advertisement in the search engine.
There are many benefits to Pay Per Click advertising, making it an effective way of promoting a business ‘online’. Some of them are listed below:
· Get launched immediately. PPC advertisements are implemented very quickly – they can go ‘online’ within an hour after winning the bid and paying for it.
· Obtain specific, pre-qualified, and quality traffic. PPC provides you with a quality or a well-targeted traffic. Visitors are narrowed down into ‘qualified’ people who are actually looking for specific products and/or services that you offer – those who are more likely to become a ‘lead’ (a convert) and complete a transaction (either by buying your product or subscribing to the service that you are offering.
· Widen your reach. PPC advertising provides additional traffic to your site, aside from the natural or “organic” search engines.
· Track your investment. PPC advertising makes use of a tracking system that will determine exactly who comes to the website and what they do once they arrive – the length of their stay on the site and the number of pages (including the actual pages) that they view. These are valuable tools in determining statistics such as return on investment (ROI), acquisition cost-per-visitor, and conversion rates (the percentage of visitors who are converted into customers or leads).
Below are some important things to consider when planning on a pay per click campaign:
1. Know your product. Take an inventory of the product and/or services that you have to offer (before anything else).
2. Stay within the budget. Determine your daily or monthly budget; and stay with it. This means keeping your budget in mind, avoiding bidding wars if possible.
3. Bid just right. Know how to bid right – a bid that is too high can exhaust all of your money, while a bid that is too low can make you lose that spot.
4. Watch the bottom line. Measure your profit margin against your spending or expenses. Know when to stop and terminate your PPC program – if you spend more on advertising but have little or no sales at all.
5. Find the right keywords. Decide which keyword phrases to opt and bid for. Do some keyword research, either by actually looking at existing search terms or with the use of online keyword suggestion tools, to know which terms are mostly used when searching for items that are related to your business. Focus on specific keywords, not on general ones.
6. Write effective ads. A good PPC ad is that which can persuade and move a searcher. There are several approaches to this:
· Discount offers· Testimonials· Celebrity/famous endorsers· Money-back guarantees· Free trials or sample offers· Freebies· Reverse psychology· Major benefits (“Lose weight”)· Direct instructions (“Click here”)
7. Maintain a professional-looking site. Your web content should be regularly updated and checked for spelling and grammatical errors. There should be no broken links or images. The website should be simple – designed in such a way that it will be easy for visitors to navigate and load. Include contact details to create a good impression among potential customers.
Done properly, PPC advertising can be an effective marketing tool that will maximize the return on your investment.