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Archive of posts published in the category: Money 

Cheap Life Insurance Policies

Life Insurance is an insurance policy that provides an agreed amount of coverage over an agreed term. This gives you an option just in case you should die during the policy term, and an amount from the lump sum is paid out. It is a cost effective way to provide for your family after you are gone. In cheap term life insurance policies, premiums are lower than other plans, but for a fixed term. The best term life insurance plan will usually be affordable. Term life insurance will cover you or your loved ones for a set period ranging anywhere from 5, 10, 20 to 30 years. Upon expiration and if you renew, your premium, or the amount you pay, may increase. Term life insurance is popular today due to its flexibility that allows you to pick a policy when you feel you need it.

Today there are many companies that offer and vouch on their economic and rather cheaper term life insurance policies. But one should always remember that these will offer less financial coverage, and there may be certain issues relating to term limits. Premiums on affordable term life insurance generally remain fixed for the policy duration or limit. Premiums will vary based on the individual. Policies can range from $ 10,000 to $ 1 million or more, which is the amount your beneficies will receive upon your death. Insurance will also cover funeral expenses and other costs. The basic formula is relatively simple: the higher amount of coverage you choose, the higher your premium. Among other factors affecting your premium are pre-existing conditions, age, marital status, children and occupation. Return of premium life insurance has also become a popular option, because it is generally less expensive than whole life and is underwriting in terms. Your paid premiums are returned when the policy expires, if you do not die. Many consider this the best term life insurance policy option due to its flexibility and financial benefits. …


Home Insurance – A Few Things That Make You Pay More

1. Your claims over a period create an impression of your home's risk. If you file for every little thing, your home will soon be assessed as a much higher risk than another comparable property where the owner files fewer claims. This will force you to pay far higher home insurance premiums. So if it's something you can handle with relative ease, do not file a claim. It will do your home insurance rates a world of good.

2. Your credit rating will make you pay more or less. You'll pay higher home insurance rates if you have a poor credit rating. A poor credit rating means that you've not been paying your bills in a timely fashion. No insurer likes this as it shows a pattern you're very likely to repeat in the payment of premiums. This makes you a higher risk to them and you, therefore, are made to pay much more than someone else with the same profile who has an excellent rating. So do your utmost to pay all your bills in a timely manner. You'll attract lower home insurance rates if you do.

3. Smoking increases the risk of a fire in your home. And reports have it that over 23,000 residential fire annually are as a result of smoking. You'll pay less in home insurance if no member of your household smokes. If you were a smoker at the time you bought your policy, you're entitled to a review if you've quit. If your insurer refuses to lower your rate after quitting look for another insurer.

Now that you know a few things that make you pay more, here is something that will lower your home insurance rates …

You could save several hundred of dollars in home insurance by just getting quotes from at least three insurance quotes sites. Using a minimum of three quotes sites increase the chances that you would realize more savings. This is because insurance companies not covered by one site will be covered by the other. And because your chances of receiving lower home insurance quotes are tied to the number of quotes you receive, the more insurers you obtain quotes from, the brighter your chances. …


Things to Look for When Going a Motorcycle Repair School

A passion for motorcycles is a basic requirement for being a successful motorcycle mechanic. In fact, most motorcycle mechanics started their career simply as a hobby. They were motorcycle lovers who were toying with their bikes to make them run more smoothly until they realized that they could earn money doing something they enjoy. Some of them work in repair shops equipped with their own personal experience in motorcycle repair while others further their knowledge and skills by enrolling in a motorcycle repair school. Being a motorcycle mechanic is meticulous work and it can be tough knowing that a rider's life depends very much on one's skills.

When equipment breaks down, a mechanic is responsible for diagnosing the source, nature, and extent of the problem. A highly skilled mechanic is able to diagnose mechanical, electrical, and fuel problems and to troubleshoot quickly. To be able to quickly and accurately diagnose problems is a mark of an expert mechanic and this is also an exhibition of their great problem solving ability, as well as their comprehensive knowledge on how the equipment operates.

A mechanic's job also includes minor tuning or replacement of a single part of the motorcycle. They may also be asked to perform complete engine overhaul, although this job could take many hours as they need to take down the engine and replace defective valves, bearings pistons, and other interior parts. Those who are highly skilled utilize specialized machineries and the most advanced computerized equipment to adjust and tune motorcycles, especially those that are used for racing.

To qualify for a trainee mechanic position, some employers prefer applicants with a high school diploma or the equivalent, but there are also some who accept those with less education as long as they exhibit satisfactory reading, writing, and math abilities. However, due to the growing complexity of motorcycles, those with a diploma or a certificate from a formal training program in motorcycle repair have more employment opportunities. This is why enrolling in a trade school or institute to be a certified motorcycle mechanic could be a wise decision.

Would-be motorcycle technicians can either opt for a technician diploma or an associate degree in applied science or mechanics. By attending a trade school, a student will receive the needed job training and basic credentials to be a motorcycle mechanic. After completing this program, he will be certified as a trained technician in this field.

Meanwhile, the associate degree is designed for mechanisms to earn the educational qualifications that match the needs of their profession. The program can be completed within one or two years. Courses taught in an associate degree include math, basic management, human relations, infrastructure and resources, and hands-on experiences such as disassembling, assembling and overhauling of motorcycle equipment. Online courses are available for those who can not manage to attend an on-campus program.

Because there are many schools that offer motorcycle repair classes, it is important that prospective students choose a school that can develop their full potential and …


Buildings And Contents Insurance Quotes – The Easy Way

Its not the most exciting subject in the world but insuring your home and contents should really be a high priority. After all, the home you have bought is probably the most expensive item you will ever purchase! Then of course there are the contents of your home; furniture, white goods, TV, carpets, clothes, jewellery, curtains… With the possible exception of maybe your car(s) the contents of your home represent the second most expensive items to replace.

Buildings insurance usually covers the basic structure of your house and many fixtures or fittings, garages, drives, fences, walls and sheds or out-buildings and for the more affluent consumers even swimming pools and tennis courts!

Contents insurance, as you may well imagine, covers the contents of your home and in some policies will also cover personal possessions taken outside the home such as cameras, watches and jewellery. Some policies will also include accidental damage, for example spilling paint on carpets or dropping your plasma screen! A contents value of £20 – 30,000 is the minimum amount for most home contents insurance policies and this is normally sufficient.

Due to the recent flooding and unpredictable weather in the UK some home-owners are seeing the costs of insurance rising. But do you really have to pay more or are there ways to reduce the cost of buildings and contents cover?

The first point you should consider is buying insurance on-line. Many companies offer special discounts for internet customers as it is cheaper for them to arrange insurance cover this way. In addition many insurers offer incentives if you take out both buildings and contents cover with them. It is also worth checking with your car insurance company also as there are often discounts for existing customers taking out additional policies.

Check your existing policy and find out if the insurers offer a no claims bonus. No claims bonuses are awarded according to the number of years you have held the insurance and have not made a claim. This can have a significant impact on your renewal quotes over time.

Don’t fall for the hype however! Just because a company advertises a discounted offer does not mean they are the cheapest. Many of the guarantees you see ( of the “if you beat our quote we will give you double the difference in cash” variety), are so full of small print, special terms and exclusions, that they are meaningless.

So, while it’s certainly true that companies offer discounts when you take out buildings and contents cover it does not always follow that this is the cheapest option, for example a 10% discount applied to a very expensive quotation will still leave you with a higher price to pay. As always, the golden rule is to shop around for the best prices and do a like for like comparison on both single policies and combined policies (i.e. buildings and contents together).

By all means, search for the cheapest buildings contents insurance quote you can find, but make …


Small Business Leadership Lessons Learned in the Mud

In October 1066 AD, the Duke of Normandy, William I, was about to lay claim to England on the field of battle against King Harold.

As William led his men ashore in southeast England, on their way to what was to become the historic Battle of Hastings, legend has is that this man-who-would-be-king rather ignominiously stumbled and fell, face-first into the mud . One of the classic truths about leaders, including once and future kings and small business owners, is that stumbling is actually ordained, whether the untimely descent is a mistake we've bought upon ourselves, or an unfortunate circumstance that could happen to anyone.

Consequently, the question is not if we will stumble but how we have after the fall, with mud on our hands. One of my mentors used to say that our character is not measured by the challenges we face or the mistakes we make, but rather how we respond to them.

Back to our Norman invader. With his next action, the future king of England demonstrated how leaders often have to think fast in order to snatch victory form potential disaster: Looking up from the mud, seeing "Bad Omen" written all over the faces of his superstitious men, William stand up, displayed his muddied hands, and claimed, "By the splendor of God, I have taken possession of my realm; the earth of England is in my two hands."

So, when you look up from the mud, how do you have?

Of course, you could complain about how deep the mud is, which may sound like, "How can I grow my business in such a bad economy?"

Or you could make excuses about how the mud caused you to fall, "I do not know which is going to cause me to go out of business first, the Big Box competitors or people buying stuff on the Internet."

And then there's the always-handy option of blaming others for the mud. "Yes, ma'am, I know you bought it from us. But that's a manufacturer's defect.

At least one thing that has not changed in a thousand years is that there are still plenty of people standing around – employees, customers, etc. – watching our behavior when we stumble. And like William's soldiers, these latter-day witnesses are also vital to the success of our empires.

The Norman request at the Battle of Hastings arguably changed the course of history. Who knows what the world would look like today if our hero had become known as William The Whiner, instead of William The Conqueror?

So, when you fall face-down in the metaphorical mud of your battlefield, your future may well depend upon whether you can – as William the Conqueror did – stand up, assess the damage, accept the circumstances, claim the responsibility, remember on what employees and customers depend, and then drive on to win the day.

One last thing: It also does not hurt if, like William, you can think fast.

Write this on a rock … "Leaders …


You Can Be A Successful Affiliate Marketer And Make Money Online

Affiliate marketing is a way to earn a commission by selling someone else's product. It is one of the quickest and easiest ways to earn money online. Most of the time, you receive 50% -75% commission on every item you sell. There is even the potential to earn a residual income depending on what type of offer you are promoting.

Being an affiliate has many benefits.

• There is no need for you to create a product, or design the website.

• You do not need to worry about the marketing, ordering, billing and delivery

• If you send visitors, and they purchase the product, you get paid.

That also leads to the hardest part of affiliate marketing, getting traffic. There are many techniques and ideas, but your main goal should be to keep the visitors so you can send offers to them for as long as you can. This is what is referred to as "list building". This requires time and effort but it is worth every minute you invest.

Article writing is another powerful way to get a lot of generalized traffic. This also takes time and effort, but the results that you can receive is also worth the time. Writing a good article will add credibility to your site as long as you remember a few tips.

There are two main parts of an article. The first is the article itself and the other is the resource box. The article needs to be focused on the topic, or product. It is also important to use keywords throughout the article, but not too many or it becomes "spammy". You do not want to use too many URL's in the article. This is used in the resource box.

The resource box is used to tell information about the writer and is located at the end of the article. It is just as important as your article, and includes a lot more than just the author's name. Therefore, having a well written, informative resource box should be a priority to your article.

Your name is very important, because in time, with more articles under your belt, you will become known in "article circles". You need to include a short sentence about you and the product. It needs to be unique and make the readers want to keep reading.

The call to action is important because it is what leads your readers to the URL. Make sure to include valid, up-to-date contact information. It helps with the integrity of the article.

Writing a great article will give you the opportunity to earn a basic living with internet marketing. It gets you high rankings in search engines as your articles get posted on other websites allowing many others to benefit from your knowledge. …


Tips For Keeping Car Insurance Rates Low

Aside from avoiding being in an accident, there are ways in which car insurance rates can be kept low. However, you sometimes have to be the vigilant one when it comes to finding ways to keep your rates low. In other words, you have to remake the car insurance company that there has to be some way within their system that will allow you to keep a few more bucks in your pocket. This is usually what prompts them to look and see what it is they can do for you, especially if you tell them that another company has got a knockout deal that you would love to take advantage of. That will usually get them up on their toes and make them look for a solution for you.


Insurance companies have discount programs for individuals who meet certain criteria. These discounts can usually save around 10% on a policy and they can be stacked. What that means is that multiple discounts can be applied to the same account. Now you¡¯re probably wondering how the insurance companies can still insure a vehicle if the policyholder qualifies for so many discounts. Well, that is their secret, but the truth is that they do have these things to help you save money. Many people take advantage of them and many fail to. It is not because the insurance company does not want their policyholders to save money. Sometimes they simply do not think about it when the policy is being opened. If they do mention certain discounts to you, they still may not be listing them all.

Below is an example of some of the discounts you can take advantage of:

o Good student discount: This discount applies to college students who maintain a certain grade point average. If you are a parent with a teen driver on your insurance, you can also use this to save some money. You simply bring in grade reports every quarter or semester. Grades have to remain satisfactory in order to keep the discount. If grades drop, the discount is lost. If they go back up, the discount can be reinstated.

o Multi-line discount: This is when you have more than one policy on your account. You may have your homeowner's insurance, life insurance, and car insurance on the same account. Then again, you may have more than one car on your auto insurance and a life insurance policy. The combinations can go on and on and usually involve up to three accounts.

o Automatic debit: This is when you authorize the insurance company to take your payment out of your checking account at the same time each month. This usually saves a few bucks each month.

Common sense

As stated before, maintaining a good driving record can keep car insurance rates low. You can also keep your rates low by not buying new cars for teenagers in your home. You can also be mindful of the insurance rates on any new cars that …


Homeowners Insurance For Mobile Homes In Alaska

Most people do not consider Alaska to be a locale where strong winds occur, but they'd be wrong. Mobile home manufacturers who supply products to this northern of all states must abide by some strict regulations when it comes to construction and how it relates to the wind.

A manufactured home in this state must now be able to withstand 130 miles per hour winds. That provides some peace of mind for people living in Alaska, but in addition to a strong home, they must also purchase homeowner's insurance to protect their investment.

As is the case in every other state, a mobile home owner in Alaska can choose a policy that best meets their individual needs. Some people own more personal belongings than others, or they own things of value that are not covered under a standard mobile home insurance policy. For them, they can purchase a deluxe policy or even add on additional riders that are in place to cover specific items, such as artwork or jewelry.

Mobile homes are designed to be moved from one location to another. Many people take advantage of this mobility and will decide to relocate at some point. It's very important that you speak to your insurance agent about trip insurance. This covers your manufactured home in the event that it is damaged in transit. This is generally not included in a standard policy so it's important to inquire about it before you decide to make a move.

If a person is living in a mobile home community they'll want to seriously consider liability coverage as part of their homeowner's insurance policy. This will generally protect you in the event you cause damage to someone else property. This can occur if you happen to throw a ball that breaks the window on another property or if someone visiting you is hurt while in your home. …


Sending Money To Russian Women

You will receive requests for you to send money. If you do not know the women well, or if you do not feel good about it, do not send money. If money is all she is after, what kind of relationship do you have with her anyway?

Generally speaking, the only money I sent was to people who did not ask for it. My future wife wrote to me, after several months of correspondence, that she was having a terrible time.

The company she was working for had not paid her for several months. There was no heat in the building at the end of winter. Her mother was in the hospital. She was upset and depressed.

I sent her two hundred dollars. She wrote back saying she was upset with me. She said she did not write these things to get money from me – only so that I would understand about her life.

I told her I sent the money to her because I wanted to help her. She said she was going to put the money in the bank for when I arrived.

When I arrived she had the money, but she had used a little of it to buy a nice outfit. Every Russian woman I know, who had money sent to them, spent at least some of it for nice clothes.

You may be sending money for her to take English lessons, but I guarantee some of that money will end up hanging in her closet. Do not fret about it. You have made her very happy. She is only doing it to feel good about herself and to make herself attractive for you.

In short, if you like her and have established a relationship with her, show her you care. Send her presents. Buy her things she can use. Every woman wants you to show her she is special. Do not be a miser or a fool. Use your judgment.

If you are sending money, send it to Western Union.

Do not send money in the mail. It will not get there. I guarantee it. Send the money to be paid in US currency. US currency is more valuable than local currency and she can convert it into local currency at a better rate than Western Union will give her.

Take care in spelling her name exactly. The Western Union bureaucrats in Russia love to send people away for the slightest reason. You will need to send her the identification number on the wire transfer for her to claim the money.

She will also need to know the exact amount you are sending. Make sure the person receiving the money has proper identification or they will not give it to them.

One distressing piece of information is that Belarus was 'taxing' wire transfers at a rate of 9.5% prior to January 1, 2005. As of January 1, 2005, they are now taxing 100%. What this means is none of the money you wire transfer …


Why Full Coverage Auto Insurance is Important

If you have a little time to kill, take a look at the local trial docket of your township, city, or county court. You will discover that there are thousands of drivers in your district that have no auto insurance. What does this mean to you? It means that basic auto insurance is not enough to cover you if you are involved in an accident. There is a very big chance that if you get hit, the other party will not have auto insurance coverage. The cost to repair your vehicle will fall on your shoulders. If you have only basic auto insurance, this means you will have to pay for repairs out of pocket. To fully protect yourself you need uninsured and under-insured motorist coverage. You do not get these insurance add-ons with the lowest level of liability insurance.

You are justified in thinking that the roads are not safe. In the United States, more than a million accidents each year are caused by people without automobile insurance. In America, responsible drivers get full coverage insurance for their automobiles. There are substantial risks involved when driving and responsible drivers want to be protected against those risks.

Full coverage insurance also protects you whenever you are the person at fault. If you are the at-fault party in a vehicle accident, full coverage automobile insurance pays for your damages and the damages done to other parties. If you have only liability coverage, damage done to others will be paid, but you will be personally responsible for damages done to your own car.

Full coverage insurance provides complete protection. If you hit a telephone pole, no problem. You pay the deductible and the insurance company pays the rest. If your car is stolen, no problem. You are covered. An important insurance add-on to full coverage is uninsured and under-insured motorist. These insurance add-ons more fully protect you. If you are hit by an at-fault driver and they have no vehicle insurance, you are covered. If you are hit by an at-fault driver and they do not have enough insurance coverage to pay for damages, you are covered.

One of the best parts of full coverage vehicle insurance is the peace of mind it provides. If you are involved in an accident, sometimes your rental car is free. You do not have to be concerned about things being stolen from your car; your insurance covers that too. Some insurance policies will also cover you in the event of vehicular crime. For example, if you are involved in a drunk driving incident your insurance company may provide legal representation.

Always fully review the terms and conditions of your vehicle insurance policy. Know what is and is not covered. Policies greatly vary between companies and between jurisdictions. For superior protection and peace of mind, always get a full coverage insurance policy. You will be protected against all major risks, and that is what insurance is all about.…