Every day your life is changing in many ways, and new situations can warrant new levels of protection. Things like increases in your income, increases in your expenses, new purchases, moving, or a new baby can all affect your lifestyle and your needs for all kinds of insurance. Your needs for homeowner's insurance, car insurance, and personal insurance will all change over time, and the New Year is a good time to look at these things and make your changesIn fact, an executive at Insurance.com recommends that people treat taking a more active role in managing their life insurance as a New Year's Resolution this New Year. That does not just mean adjusting your policies on homeowner's insurance, personal life insurance, and auto insurance to meet your changing lifestyle, but also learning to read and understand your policies and shopping around for better policies, better rates, and better providers to see if you are getting the best deal.
It's time to decide on your New Year's Resolution; adequate insurance coverage in all aspects of your life is vital, and you can get that through understanding your current coverage and getting more where needed. Protecting yourself and your family is important to you or else you would not be reading this, so take the steps that are necessary to protect them by making sure that things are taken care of in case of emergencies. You should know:
Life insurance should cover both of you. You may not think that a housewife or husband contributes much financially, but you will be disabused of that notion when you are forced to pay for child care, clean house on your own, and take care of the other things that the at-home partner does. Don't forget to add life insurance to cover your debts Add more insurance to cover a few months of living expenses for emergencies You may want to add additional coverage for your children's' college educations as well, if you are concerned about those funds.
Homeowners Insurance Resolution
It is best to get as much homeowners insurance as you can afford. You should also understand your policy, including what is covered under liability versus what is covered under your actual property insurance.
Your Homeowners Insurance Covers:
The structure of your home The contents of your home Your Liability Insurance Covers: Personal liability Medical payments of people hurt in your home or on your property Damage to others' property Personal injury to others
Auto Insurance Resolution
For a similar reason, you should read and understand your auto insurance policy, and shop around for other policies that might benefit you better or cost less (or even both). Insurance.com suggests this, adding that drivers should ask themselves some questions about themselves and their current auto insurance including:
Does your current car insurance provider offer competitive rates? Is the underwriting agency for your auto insurance provider going through any big changes lately that might affect their ability to pay claims? Are you eligible for discounts at this time through your insurance provider or others, and are you getting all the discounts for which you are eligible? Do you have a 24-hour claim service with your auto insurance provider? Is their staff knowledgeable?
By shopping around and checking out what other auto insurance companies are willing to offer, you can save yourself more time later, as well as money, and even get better service and easier claims processes in the bargain.
Tuesday, August 4, 2009
Canada Car Insurance Money Saving Tip
You can utilize many tips and tricks when you are looking into auto insurance. However, there is one major one that we usually forget to look into that can help you save money:
Those who are shopping for car insurance in Canada usually remember to discuss the obvious factors that can help their premiums with their agent. These are generally driver's training classes they have taken, dropping collision coverage from an older car, using your car only for pleasure and not work, and the like. However, those who get a quote in Canada may forget to mention that they have anti-theft devices installed on their auto. If you do not mention you have this, you may be missing out on some major insurance discounts over the life of your auto insurance premium!
Canadians pay approximately 1.2 billion per year in auto theft costs. This includes legal bills, the insurance costs, as well as any medical bills that occur if the theft involved injuries. It is therefore in everybody's best interest, even Canadian insurance companies, to use anti-theft deterrents on your vehicle and to get the insurance discounts associated with having them. Any type of insurance discount gets you more money in your pocket!
You can use three different types of anti-theft devices. When you know and understand them, you can get a better price on your Canadian auto insurance quote:
1. Mechanical - Devices such as a locking bar can prevent the steering wheel from moving, until the owner unlocks it himself or herself.
2. Car alarms - You can install an alarm in your car that causes alarms and lights to go off if someone tries to break into your vehicle.
3. Electronic - These are immobilizers that will cut off the power to the ignition, making the car impossible to start.
These three anti-theft devices probably sound very familiar to us. The most familiar are the electronic immobilizers, as the Government of Canada has just recently made them mandatory. These three categories can be broken down as well into two more categories of anti-theft deterrents:
Active Devices: These anti-theft deterrents require that you have to turn them on yourself to make them operate.
Passive Devices: These come on automatically when the engine is turned off, so you do not have to worry about forgetting. Canadian auto insurance companies prefer that their customers have passive devices as they consider them the better of the two. This is because we do not run the risk of forgetting to turn them on, causing our cars to be stolen.
Take advantage of all the possible discounts you can receive before you settle on a car insurance quote. Write down any anti-theft devices your vehicle may have, what kind it is, and anything else that you believe could save you money on your auto insurance. Ask about each discount. Do not just assume that because an engine immobilizer is now mandatory that you automatically get the discount. Make a point of asking to receive every discount you are entitled to!
Those who are shopping for car insurance in Canada usually remember to discuss the obvious factors that can help their premiums with their agent. These are generally driver's training classes they have taken, dropping collision coverage from an older car, using your car only for pleasure and not work, and the like. However, those who get a quote in Canada may forget to mention that they have anti-theft devices installed on their auto. If you do not mention you have this, you may be missing out on some major insurance discounts over the life of your auto insurance premium!
Canadians pay approximately 1.2 billion per year in auto theft costs. This includes legal bills, the insurance costs, as well as any medical bills that occur if the theft involved injuries. It is therefore in everybody's best interest, even Canadian insurance companies, to use anti-theft deterrents on your vehicle and to get the insurance discounts associated with having them. Any type of insurance discount gets you more money in your pocket!
You can use three different types of anti-theft devices. When you know and understand them, you can get a better price on your Canadian auto insurance quote:
1. Mechanical - Devices such as a locking bar can prevent the steering wheel from moving, until the owner unlocks it himself or herself.
2. Car alarms - You can install an alarm in your car that causes alarms and lights to go off if someone tries to break into your vehicle.
3. Electronic - These are immobilizers that will cut off the power to the ignition, making the car impossible to start.
These three anti-theft devices probably sound very familiar to us. The most familiar are the electronic immobilizers, as the Government of Canada has just recently made them mandatory. These three categories can be broken down as well into two more categories of anti-theft deterrents:
Active Devices: These anti-theft deterrents require that you have to turn them on yourself to make them operate.
Passive Devices: These come on automatically when the engine is turned off, so you do not have to worry about forgetting. Canadian auto insurance companies prefer that their customers have passive devices as they consider them the better of the two. This is because we do not run the risk of forgetting to turn them on, causing our cars to be stolen.
Take advantage of all the possible discounts you can receive before you settle on a car insurance quote. Write down any anti-theft devices your vehicle may have, what kind it is, and anything else that you believe could save you money on your auto insurance. Ask about each discount. Do not just assume that because an engine immobilizer is now mandatory that you automatically get the discount. Make a point of asking to receive every discount you are entitled to!
Fortis Health Insurance
Fortis Health Insurance is a registered trademark of Fortis Health Insurance. Fortis Health Insurance is not affiliated with, nor does it endorse or sponsor, the contents of this webpage or the InsuranceUSA.com website. Trademarks referring to specific providers are used by InsuranceUSA.com for nominative purposes only: to truthfully identify the source of the products about which information is provided. Such trademarks are solely the property of their respective owners. For more than a century, our company, Fortis Health Insurance has focused solely on health insurance coverage. Fortis has a reliable variety of health care coverage available to individuals and families, small group employers, and specialty health insurance coverage. This is perfect for those who are self-employed, or for those working for an employer who does not provide health insurance. You will find that our specialty medical products include international and student health insurance coverage, and that our company provides long term or market leading short term insurance for all needs. Fortis Health Insurance also has a variety of discount plans that include Prescriptions and Dental-Vision. Check our website to see which one of our Fortis Health Insurance services can meet your needs at this time. With this wide variety of available insurance plans, Fortis Heath puts insurance back in the hands of you, the consumer, providing health insurance at an affordable price and as you want it.
Fortis Health's unique approach to health insurance allows you worldwide coverage 24 hours a day. There is no need for referrals to see a specialist. There is a lifetime benefit maximum of $8 million. Fortis Health Insurance allows you the choice of doctors and hospitals from extensive networks. There is also a first-year rate guarantee.
Fortis Health Insurance provides a wide variety of plans for individual policies. The types of plans include Network, Traditional, and Health Savings Account (HSA). For businesses, there are choices of Medical Plans, online management tools for the business owner and employees, and customer service all day, everyday so that your business does not have to skip a beat in today's demanding world. Business Medical plans range from Major Medical, Consumer Choice Plans, Self-Funded Products, and Ancillary Products. Undergraduate and graduate college students who are no longer being covered under their parents' heath care plan can benefit from Fortis Health Insurance as well. Our International Medical plans can also make sure that trip abroad does not interfere with heath coverage, so that you can rest knowing that you are covered not only in the United States, but overseas as well.
Fortis Health Insurance provides Assurant Health's Short Term Medical (STM) insurance and is the national leader in providing short term medical plans for those who are in between jobs, laid off, on strike, waiting for group coverage, seasonal employees, early retirees who are waiting for Medicare to begin, and those waiting for their employee group coverage to start. Fortis Health Insurance provides temporary health insurance plans that can offer coverage for as little as 30 days, or as long as 365 days.
Fortis Health's unique approach to health insurance allows you worldwide coverage 24 hours a day. There is no need for referrals to see a specialist. There is a lifetime benefit maximum of $8 million. Fortis Health Insurance allows you the choice of doctors and hospitals from extensive networks. There is also a first-year rate guarantee.
Fortis Health Insurance provides a wide variety of plans for individual policies. The types of plans include Network, Traditional, and Health Savings Account (HSA). For businesses, there are choices of Medical Plans, online management tools for the business owner and employees, and customer service all day, everyday so that your business does not have to skip a beat in today's demanding world. Business Medical plans range from Major Medical, Consumer Choice Plans, Self-Funded Products, and Ancillary Products. Undergraduate and graduate college students who are no longer being covered under their parents' heath care plan can benefit from Fortis Health Insurance as well. Our International Medical plans can also make sure that trip abroad does not interfere with heath coverage, so that you can rest knowing that you are covered not only in the United States, but overseas as well.
Fortis Health Insurance provides Assurant Health's Short Term Medical (STM) insurance and is the national leader in providing short term medical plans for those who are in between jobs, laid off, on strike, waiting for group coverage, seasonal employees, early retirees who are waiting for Medicare to begin, and those waiting for their employee group coverage to start. Fortis Health Insurance provides temporary health insurance plans that can offer coverage for as little as 30 days, or as long as 365 days.
Google CEO Eric Schmidt leaves Apple’s Board of Directors
In a completely unexpected move, today (August 3, 2009), Google CEO Eric Schmidt has decided to leave the Apple Board of Directors he’s been a part of since April 2009. While Google and Apple have seemed to look at the technology world from almost to completely different viewpoints, it seemed that Schmidt would remain on the Apple board for the foreseeable future.
It’s been known that Schmidt would remove himself from talks on the board when the conversation turned to something in which the two companies competes. For a while, that was limited only to talks of the iPhone. Recently, however, Schmidt has also had to remove himself from conversations about the Mac OS thanks to the recently announced Chrome OS. As Apple CEO Steve Jobs says in the press release, “Eric’s effectiveness as an Apple Board member will be significantly diminished, since he will have to recuse himself from even larger portions of our meetings due to potential conflicts of interest.”
What’s not mentioned is the recent Google Voice/iPhone debacle. It wouldn’t be surprising if Schmidt was upset about the app being rejected. It would be even less surprising if Jobs grew to be infuriated when the FCC decided to step into the situation. Schmidt probably wouldn’t have full sway to get the app put into the App Store, but one could assume he probably would have tried.
Also not mentioned is how this will affect the relations between Apple and Google. Apple integrates Google service such as Maps and YouTube into both the iPhone and parts of its main OS, including iLife and iWork. There is a small chance that those partnerships might be a bit strained going forward. Apple wouldn’t (or at least shouldn’t) take those features out of future releases, but this situation casts a a shadow over possible future integrations. Those integrations will always be available in Android, and presumably Chrome OS, however.
It’s been known that Schmidt would remove himself from talks on the board when the conversation turned to something in which the two companies competes. For a while, that was limited only to talks of the iPhone. Recently, however, Schmidt has also had to remove himself from conversations about the Mac OS thanks to the recently announced Chrome OS. As Apple CEO Steve Jobs says in the press release, “Eric’s effectiveness as an Apple Board member will be significantly diminished, since he will have to recuse himself from even larger portions of our meetings due to potential conflicts of interest.”
What’s not mentioned is the recent Google Voice/iPhone debacle. It wouldn’t be surprising if Schmidt was upset about the app being rejected. It would be even less surprising if Jobs grew to be infuriated when the FCC decided to step into the situation. Schmidt probably wouldn’t have full sway to get the app put into the App Store, but one could assume he probably would have tried.
Also not mentioned is how this will affect the relations between Apple and Google. Apple integrates Google service such as Maps and YouTube into both the iPhone and parts of its main OS, including iLife and iWork. There is a small chance that those partnerships might be a bit strained going forward. Apple wouldn’t (or at least shouldn’t) take those features out of future releases, but this situation casts a a shadow over possible future integrations. Those integrations will always be available in Android, and presumably Chrome OS, however.
Nokia’s second quarter earnings plummet
Nokia has announced that its second-quarter earnings plummeted by 66%. The company blames the recession for the drop, saying demand for its products has diminished due to the economic turmoil. Their net profit was $535 million down from roughly €1.4 billion this time last year. Nokia shares fell 11% as a result of the news.
The company shipped 103 mobile devices this quarter, down 15% from a year ago and prices on their handsets fell to US $88 from US $104 last year. Their North American distribution fell 30%. Facing strong rivals in Apple and RIM, the company says it is trying to transform itself:
The company shipped 103 mobile devices this quarter, down 15% from a year ago and prices on their handsets fell to US $88 from US $104 last year. Their North American distribution fell 30%. Facing strong rivals in Apple and RIM, the company says it is trying to transform itself:
Setting up conferences gets easier
While the Internet has been a valuable tool for small business owners, teleconferences remain a popular way to meet with clients, employees and colleagues. However, in today’s busy world they aren’t always easy to set up. With the increasing popularity of ultra portable notebooks and mobile broadband, the people you need to conference with are as or more likely to be out of the office than in it.FreeConference, a service offering free audio conferences, has announced a new text messaging service that can make it easier. For just $0.45 a message, they will send a text reminder to your phone 15 minutes before your conference. Organizers can send an On Demand message to their phones which will allow them to set up a conference call from their phone quickly and easily.
Tips How to View Private Myspace Profiles
We all notice that if you are a MySpace user, you've come across some profiles that you're dying taboo to view but only to catch out that they're set to private. You realize that the simply way to view their profile is to add them as a friend and hope they accept. Unfortunately, nearly of the time they don't know you and they wont accept your friend request. However, I can show you how to view private profiles on MySpace.I know personally, I've stumbled upon a profile of someone I thought I recognized. All I need to do is look into some more pictures on their profile to be sure. But when I try to view their MySpace profile, I find it's set to private. Now I see the only way I can view their pictures is to send a friend request to them. But we all know that this can be tiresome and most of the time not work at all. If their profile is set to private, they'll most potentially not add you as a friend.Private profiles is a great feature on MySpace, however they can be a real annoying when it comes to finding friends that you haven't seen in a long time, or becoming friends with someone that you think look cool.Fortunately, I came across a site recently in some dark corner of the internet. On this site, you can enter the MySpace user ID and it will return with every picture that user uploaded on their profile, without having to send a friend request or gain access to their private MySpace profile. This is the greatest tool i've found in a long time
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