You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs
.1. COMPARISON SHOP.Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance department. You can also check consumer guides,insurance agents or companies. This will give you an idea of price ranges and tell you which companies or agents have the lowest prices. But don't shop price alone.The insurer you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of insurers to get a feeling for the quality of their service. Ask them what they would do to lower your costs. Check the financial ratings of the companies too. Then, when you've narrowed the field to three insurers, get price quotes.
.2. ASK FOR HIGHER DEDUCTIBLES.Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.
.3. DROP COLLISION AND/OR COMPREHENSIVE COVERAGES ON OLDER CARS.It may not be cost-effective to have collision or comprehensive coverage on cars worth less than $1000 because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of cars.
.4. ELIMINATE DUPLICATE MEDICAL COVERAGES.If you have adequate health insurance, you may be paying for duplicate medical coverage in your auto policy. In some states, eliminating this coverage could lower your personal injury protection (PIP) cost by up to 40%
.5. BUY A "LOW PROFILE" CAR.Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs. Write to the Insurance Institute for Highway Safety, 1005 North GlebeRoad, Arlington, VA 22201 and ask for the Highway Loss Data Chart.
.6. CONSIDER AREA INSURANCE COST IF YOU ARE MAKING A MOVE.Costs tend to be lowest in rural communities and highest in center cities where there is more traffic congestion
.7. TAKE ADVANTAGE Of LOW MILEAGE DISCOUNTS.Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.
.8. FIND OUT ABOUT AUTOMATIC SEAT BELT OR AIR BAG DISCOUNTS.You may be able to take advantage of discounts on some coverage if you have automatic seat belts and/or air bags.
9. INQUIRE ABOUT OTHER DISCOUNTS.Some insurers offer discounts for more than one car, no accidents in three years, drivers over 50 years of age, driver training courses, anti-theft devices, anti-lock brakes and good grades for students.
Thursday, April 30, 2009
Tuesday, April 28, 2009
Developing Money making Ideas
Ideas. It isn't the billions of ideas, that pop up in the minds of humans around the globe that make money. Very few ideas are worth the time it took for the thought. Most ideas are fleeting"sparks" that go no place and are forgotten before the next day.Of the ideas that are good, very few are followed up and ever end up as a worthwhile development in the market place. Mostpeople are just not oriented to do anything about their ideas,while others believe it would take too much of their time and money to follow through to completion. This leaves the marketplace wide open for the person who learns how to "Create"Profitable Ideas! There are three major formats you can use to create profitableidea:
1. Find something that already exists, the presence of which has never been known before.
2. Invent something. Most inventions are merely new arrangements of things that have already been invented.
3. Alter or improve in any number of different ways something that already exists. As you "Create" ideas, write them down. What you dream up can be your key to great wealth. Keep your mind "open" as you go through each day. What did you notice in the department store that would reduce costs, save money or increase sales if some simple procedure were added or something changed? Ideas for improvements are one of the most valuable things you can contribute to society and at the same time add to your bank account. To create ideas for improvements, consider every possibility and alternative for the thing you want to improve. Learn to create ideas by evaluating all the different aspects of the product, method or concept you are interested in. Put your imagination and subconscious to work and write down your thoughts pertaining to each of the things you expect to improve.Use the New Wealth, "Idea Format" that follows as your guide for creating Money-Making improvements.
Idea Format: List the things you want to improve:- Why should it be improved?- Who will benefit from the improvement?- What is wrong with it at the present time?- Did someone else cause a problem with it?- How do you propose to improve it?- Do you have the facilities to do the work required?- Do you have the know-how to do the work required to improve it?- Exactly what part needs to be improved?- Should it be smaller? Larger?- Should the color be different?- Would more activity help make it better?- Could it be combined with something else to make it more practical?- Would a different basic material work better?- Is it too complicated, could it be simplified?- Would a substitute be more meaningful?- Is it priced too high?- Would a change in personnel help the situation?- Can the shape be changed to advantage?- Can a new marketing plan make the difference?- Is it safe?- Can it be mass produced to bring the unit cost down?- Should the appearance be changed... streamlined?- Is there an adequate guarantee?- What can make it appeal to a bigger audience?- Would new packaging or trade name enhance it?- Can it be made heavier, lighter, higher or lower?- Can it be franchised?- Is there a good maintenance program to back it up?- Can financing be simplified?- List ways to increase production:- List ways to increase sales:- List ways to reduce costs:- List ways to increase efficiency:- List ways to improve quality and increase profits!- What can be done with it to satisfy more people?This New Wealth "Idea Format" will start the ideas "sparking"and as related ideas come to mind write them down in every variation you can think of. Do not judge the good or bad points of the ideas as they materialize to you, just write them down and judge them afterwards. You will stop the flow of ideas if you are critical of your thoughts before you put them on paper. When you have answered everything you can about the product or concept and know how it fits in with your plans, sit down and evaluate all the details you have written.After you have found (created) a good idea, follow it up with questions on what should be your next move in order to do something about it, then act! Get it moving. Expose it to the world with sufficient tests to determine the value!Come up with ideas that are still in the processing stage rather than get stuck on several vague points that may be worked out later as your subconscious goes to work. If your idea fails, so what; you are just that much closer to finalizing another one,then another... until a useful more valuable idea is born. Every manufacturing plant, retailer, attorney, accountant; every business person, large or small, cannot continue to operate in the competitive world of today without someone in the organization constantly coming up with new and better ideas! Old ideas drop by the wayside as new ideas take their place. Old companies without new ideas fade away.Those who learn and know how to create ideas and anticipate the changes needed, as the future evolves, have the opportunity to be a great success with big money-making potential! Another "tool" you can use to help dream up that million idea,is to spend several minutes each evening, relaxed with your eyes closed. Pick any object that comes to mind and try to change it in your "mind's eye". Change it in every manner you can think of to improve it.The following evening pick another subject or object and repeat the process. Soon you will be using 20% of your brain power instead of the 10% normally used by the average person. As your knowledge and "brain power" increase so will your bank account. Just think what we could accomplish if we could get the other 80% of our brain power working? On second thought, let's not try to get 100% efficiency out of your human computer . . . we would probably blow up the world for sure.Protecting Your Idea When you have come up with a good idea, write a full description of it and make a sketch if necessary. Place the written information, the sketch and any other pertinent facts or documents in an envelope addressed to yourself. Have the post office seal the envelope with a date stamp over the flap, then send it to yourself by registered mail. Keep the envelope,unopened, in the event you need to prove ownership. Of course if your product has a properly registered trade mark, has been copyrighted, or you have a U.S. patent you are protected from infringement. A Few Idea "Sparks" !When you come up with an idea, program or product that is so superior in style or performance that it is unbelievable you may need a notarized statement to assure your customer you are offering an honest deal. Make a habit of examining each piece of correspondence you receive, taking care of it right at the time, do what is necessary right then. Never put it aside to be handled a second time if it all practical. This can save more time than anything else for an executive who handles a large amount of correspondence and mail. You can also save many more hours each week by doing several of the most important things that need to be done each day before you take up other, time consuming important details. Another good way to "spark" ideas is to go through the classified and want ads in the newspaper ... Also the yellow pages of your telephone directory. As you read, think of something that would be of value to the company or person, or enhance the item you are reading about.In summary, learn to develop ideas from observing everyday things and details. Think of what could make something better. Dwell on things that have a large marketing audience, something that everyone needs and wants. Write your ideas down. Put a pencil and pad at your night stand. When you remember a good dream... don't just lay there, by morning you will forget it...Jot it down on the pad. You will be surprised what you can dream up! Maybe the million dollar idea will magically appear on your pad tomorrow morning!
1. Find something that already exists, the presence of which has never been known before.
2. Invent something. Most inventions are merely new arrangements of things that have already been invented.
3. Alter or improve in any number of different ways something that already exists. As you "Create" ideas, write them down. What you dream up can be your key to great wealth. Keep your mind "open" as you go through each day. What did you notice in the department store that would reduce costs, save money or increase sales if some simple procedure were added or something changed? Ideas for improvements are one of the most valuable things you can contribute to society and at the same time add to your bank account. To create ideas for improvements, consider every possibility and alternative for the thing you want to improve. Learn to create ideas by evaluating all the different aspects of the product, method or concept you are interested in. Put your imagination and subconscious to work and write down your thoughts pertaining to each of the things you expect to improve.Use the New Wealth, "Idea Format" that follows as your guide for creating Money-Making improvements.
Idea Format: List the things you want to improve:- Why should it be improved?- Who will benefit from the improvement?- What is wrong with it at the present time?- Did someone else cause a problem with it?- How do you propose to improve it?- Do you have the facilities to do the work required?- Do you have the know-how to do the work required to improve it?- Exactly what part needs to be improved?- Should it be smaller? Larger?- Should the color be different?- Would more activity help make it better?- Could it be combined with something else to make it more practical?- Would a different basic material work better?- Is it too complicated, could it be simplified?- Would a substitute be more meaningful?- Is it priced too high?- Would a change in personnel help the situation?- Can the shape be changed to advantage?- Can a new marketing plan make the difference?- Is it safe?- Can it be mass produced to bring the unit cost down?- Should the appearance be changed... streamlined?- Is there an adequate guarantee?- What can make it appeal to a bigger audience?- Would new packaging or trade name enhance it?- Can it be made heavier, lighter, higher or lower?- Can it be franchised?- Is there a good maintenance program to back it up?- Can financing be simplified?- List ways to increase production:- List ways to increase sales:- List ways to reduce costs:- List ways to increase efficiency:- List ways to improve quality and increase profits!- What can be done with it to satisfy more people?This New Wealth "Idea Format" will start the ideas "sparking"and as related ideas come to mind write them down in every variation you can think of. Do not judge the good or bad points of the ideas as they materialize to you, just write them down and judge them afterwards. You will stop the flow of ideas if you are critical of your thoughts before you put them on paper. When you have answered everything you can about the product or concept and know how it fits in with your plans, sit down and evaluate all the details you have written.After you have found (created) a good idea, follow it up with questions on what should be your next move in order to do something about it, then act! Get it moving. Expose it to the world with sufficient tests to determine the value!Come up with ideas that are still in the processing stage rather than get stuck on several vague points that may be worked out later as your subconscious goes to work. If your idea fails, so what; you are just that much closer to finalizing another one,then another... until a useful more valuable idea is born. Every manufacturing plant, retailer, attorney, accountant; every business person, large or small, cannot continue to operate in the competitive world of today without someone in the organization constantly coming up with new and better ideas! Old ideas drop by the wayside as new ideas take their place. Old companies without new ideas fade away.Those who learn and know how to create ideas and anticipate the changes needed, as the future evolves, have the opportunity to be a great success with big money-making potential! Another "tool" you can use to help dream up that million idea,is to spend several minutes each evening, relaxed with your eyes closed. Pick any object that comes to mind and try to change it in your "mind's eye". Change it in every manner you can think of to improve it.The following evening pick another subject or object and repeat the process. Soon you will be using 20% of your brain power instead of the 10% normally used by the average person. As your knowledge and "brain power" increase so will your bank account. Just think what we could accomplish if we could get the other 80% of our brain power working? On second thought, let's not try to get 100% efficiency out of your human computer . . . we would probably blow up the world for sure.Protecting Your Idea When you have come up with a good idea, write a full description of it and make a sketch if necessary. Place the written information, the sketch and any other pertinent facts or documents in an envelope addressed to yourself. Have the post office seal the envelope with a date stamp over the flap, then send it to yourself by registered mail. Keep the envelope,unopened, in the event you need to prove ownership. Of course if your product has a properly registered trade mark, has been copyrighted, or you have a U.S. patent you are protected from infringement. A Few Idea "Sparks" !When you come up with an idea, program or product that is so superior in style or performance that it is unbelievable you may need a notarized statement to assure your customer you are offering an honest deal. Make a habit of examining each piece of correspondence you receive, taking care of it right at the time, do what is necessary right then. Never put it aside to be handled a second time if it all practical. This can save more time than anything else for an executive who handles a large amount of correspondence and mail. You can also save many more hours each week by doing several of the most important things that need to be done each day before you take up other, time consuming important details. Another good way to "spark" ideas is to go through the classified and want ads in the newspaper ... Also the yellow pages of your telephone directory. As you read, think of something that would be of value to the company or person, or enhance the item you are reading about.In summary, learn to develop ideas from observing everyday things and details. Think of what could make something better. Dwell on things that have a large marketing audience, something that everyone needs and wants. Write your ideas down. Put a pencil and pad at your night stand. When you remember a good dream... don't just lay there, by morning you will forget it...Jot it down on the pad. You will be surprised what you can dream up! Maybe the million dollar idea will magically appear on your pad tomorrow morning!
Wednesday, April 8, 2009
How to Change Your Financial Behavior of Overspending
I felt it important to share the attached article by Colon with you. It is so well written the only additional comment to Improve earnings.Follow this blog we will show you how.
Everyone has to become accountable for our terrible financial behavior and wild money spending habits. What is really happening is that we're piling up to much debt on our cell phones and living large with cruises, cars, clothes, cosmetics and liquor financed on our credit cards. Let's look at 8 ways that can help you change your financial behavior:
- Admit your mistakes. We've all been shamed by some financed fiasco at some time when we've gotten scammed, overcharged or when we overspent on bad deals. Schools never taught you how to handle money in the first place so don't beat yourself up about it.
- Get help. Get a second job and devote that money to bill payments.
- Teach yourself. Take a class, pick up a financial magazine, surf the financial web sites and change the channel to a business financial talk show. Teaching yourself won't solve lifelong money problems but they will help you to start thinking about better ways to handle your money.
- Do some plastic cut up. Plan to pay off at least one or more credit cards with a large balance before the end of the year. Make a pledge to yourself, your loved ones, that you will free yourself of these plastic cards of voluntary slavery.
- Adjust your expectations. Quick fixes will not cure the habits of three generations groomed by buy now, pay later marketing. Plan on a three year turnaround period for new habits, mind-sets and results to make a complete change in your personal profitability.
- Turn book club into prosperity clubs. Share savings tips and credit card info, and help each other with the bailout of the leaky financial boat you're all in. Remember, true sisterhood or brotherhood means we sink or survive together.
- Apply discipline to our institutions. Getting honest about managing our finances has to be a personal as well as an institutional matter if we want to be respected as responsible and accountable adults and organizations.
- Demand more financial education. Maybe more media solutions; radio stations and definitely daily saturation reports on our financial lifestyle and solutions is the only way to break through this blind spot.
To bring this to a close, you must become accountable and responsible for your actions when it comes to overspending financial behaviors. Being in debt can be very tough to overcome and it can linger with you for the rest of your life if you don't think about making a change.
Colon Bolden is a top internet marketer in the 2x2 Prosperity Formula home business industry. Colon enjoys working with other internet marketers around the world. He devotes the time, energy, and effort into his team and works with them to ensure success. If you're searching to create prosperity in your life, visit Colon's 2x2 Prosperity Formula opportunity.
Article Source: http://EzineArticles.com/?expert=Colon_Bolden
Chantentor
Everyone has to become accountable for our terrible financial behavior and wild money spending habits. What is really happening is that we're piling up to much debt on our cell phones and living large with cruises, cars, clothes, cosmetics and liquor financed on our credit cards. Let's look at 8 ways that can help you change your financial behavior:
- Admit your mistakes. We've all been shamed by some financed fiasco at some time when we've gotten scammed, overcharged or when we overspent on bad deals. Schools never taught you how to handle money in the first place so don't beat yourself up about it.
- Get help. Get a second job and devote that money to bill payments.
- Teach yourself. Take a class, pick up a financial magazine, surf the financial web sites and change the channel to a business financial talk show. Teaching yourself won't solve lifelong money problems but they will help you to start thinking about better ways to handle your money.
- Do some plastic cut up. Plan to pay off at least one or more credit cards with a large balance before the end of the year. Make a pledge to yourself, your loved ones, that you will free yourself of these plastic cards of voluntary slavery.
- Adjust your expectations. Quick fixes will not cure the habits of three generations groomed by buy now, pay later marketing. Plan on a three year turnaround period for new habits, mind-sets and results to make a complete change in your personal profitability.
- Turn book club into prosperity clubs. Share savings tips and credit card info, and help each other with the bailout of the leaky financial boat you're all in. Remember, true sisterhood or brotherhood means we sink or survive together.
- Apply discipline to our institutions. Getting honest about managing our finances has to be a personal as well as an institutional matter if we want to be respected as responsible and accountable adults and organizations.
- Demand more financial education. Maybe more media solutions; radio stations and definitely daily saturation reports on our financial lifestyle and solutions is the only way to break through this blind spot.
To bring this to a close, you must become accountable and responsible for your actions when it comes to overspending financial behaviors. Being in debt can be very tough to overcome and it can linger with you for the rest of your life if you don't think about making a change.
Colon Bolden is a top internet marketer in the 2x2 Prosperity Formula home business industry. Colon enjoys working with other internet marketers around the world. He devotes the time, energy, and effort into his team and works with them to ensure success. If you're searching to create prosperity in your life, visit Colon's 2x2 Prosperity Formula opportunity.
Article Source: http://EzineArticles.com/?expert=Colon_Bolden
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