Some Things Your Car Insurance Company Won’t Tell You

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.

What Software Should I Use to Create My CD or DVD Artwork?

After recording your album, having it mastered and pressed, you head over to your disc duplication facility’s website to place your order. Reading up on the ordering process you notice that you have the option to have artwork printed on the disc face, and can also have tray card and insert artwork printed. This is a great idea, as it allows you to give your project a more professional look and feel. You can either hire a print designer, who will hopefully already know all of the proceeding information. Or you can have a go at it yourself, utilizing one of the many different graphics creation programs available. If you are choosing to create your own artwork, read on.

There are many different programs out there that can be used to create print artwork. One of the more popular programs is Adobe Illustrator. Adobe Illustrator is a vector based drawing program, available for both PC and Macintosh computers. You could also use, CorelDRAW, Paint Shop Pro, or even Adobe Photoshop. I will go into a little bit more detail about what the differences are between some of these programs later on in this article, and why some of them are better suited for print design. Here is a list of 3 terms you should be familiar with before starting your artwork project.

1. Raster Graphics

Raster graphics are also known as bitmap graphics. This form of graphics image is a data file or structure representing a generally rectangular grid of pixels, or blocks of color, on a computer monitor, or other display device. Think of a raster images as a checkers board, with each square (pixel) on the board displaying a different color. This collection of colored dots (pixels), in turn form the full picture. The quality of a raster image is determined by the total number of pixels (resolution), and the amount of information in each pixel. Raster graphics are practical for photographs and photo-realistic images because of the way that they display images. Pretty much all photos you will find on the internet, and all photos you take with your digital camera will be raster images. You may want to use photographs for your CD or DVD’s artwork, but you must mind a few certain things:

A. DPI –
I will go into this a bit further in the “DPI” section of this article. In a nutshell, any photograph that you would like to use for print must be 300 DPI (dots per inch) or higher. DPI refers to the density of pixel information in a photograph.

B. Color Mode –
There are two basic modes of color: RGB and CMYK. All you need to know really is that all print artwork must be created as a CMYK document, as this refers to the colors of ink that a printer uses to recreate your artwork. If you create your artwork as an RGB document, the printed document will most likely shift in color. For more info on this, please refer to my last article. What do you need to start a CD duplication project?

2. Vector Graphics

Also known as geometric modeling, this form of graphic uses geometrical primitives such as points, curves, and lines to represent images. Instead of displaying blocks of color to represent a photo vector images rely on set points to determine the outline of an object, using mathematical formulas to determine the curve of the lines between said set points. Vector graphics are ideal for simple or composite drawings that do not need to achieve photo-realism. I suggest that you used vector objects for all of your artwork’s areas that are not photos.

3. DPI

Dots per inch, (DPI) is the number of individual dots of ink a printer can produce within a one-inch space. This translates as, the higher the DPI, the sharper the image. Although, most commercial printers will tell you that anything over 300DPI would be considered “print-quality”. I recommend that you make sure that your artwork is at least 300DPI, with 600DPI being the optimal setting for your artwork.

After all this technical mumbo-jumbo, you’re probably scratching your head, still unsure of what program to use to create your artwork. The truth is you can use pretty much any graphics program to create your artwork, providing that you correctly set the DPI and color mode of your document. Personally, I usually use a combination of Adobe Photoshop & Illustrator to do all of my print artwork. I edit all bitmap images in Photoshop and create all of my vector content in Illustrator, combining the two in Illustrator. My advice is now that you have the basic background knowledge, experiment to figure out what works best for you!

How to Write a Best Man Wedding Speech Toast

Best Man Wedding Speech

Trust me, many calm and collected people who are great at public speaking, get nervous when they are asked to speak at their friends wedding. As the spokes person for the guests of honor, there are many expectations placed on you. So, how do you write a best man wedding speech?

Well, if you are here, then you have been requested to make the best man wedding speech for the wedding day. This is not just any day, but THE day that these two special people (including all their family and friends) will look back on for years to come. After all, when you have been deemed the Best Man, this wedding speech is even more crucial. This means that you know the groom best, and will toast the newlyweds as well at their wedding.

If that is not enough, you are also one of the main coordinators for the wedding reception. You will help organize the details for the wedding and reception to make sure that everything runs smoothly. You are also expected to look after the groom (make sure his breath smells fresh and that he is not drinking excessively). Also as a host you must ensure that guests are having a good time. This means removing any stress or dealing with people that might interrupt the wedding reception. Lastly, there are other people running around with a list of responsibilities. You need to make sure these people are on top of things while enjoying themselves.

So when are you allowed to you have a good time?

I have a feeling that you are beginning to understand why many best man candidates can not handle the tasks required. I am sure that you are flattered to be given the honor as best man to prepare the best man wedding toast, but many find it hard to juggle the direction under all this stress and responsibility.

How to Write a Best Man Wedding Toast

Writing your wedding speech is not what is time consuming. It is making sure everything blends together. Your best man wedding toast will need a theme and the necessary personal, witty, emotional, and meaningful ideas, jokes, and one-liners that make a wedding speech memorable for all the right reasons.

Even for those that are used to writing and delivering speeches alone, this can still be a challenge – and for those not accustomed to public speech etiquette (more so writing the perfectly balanced wedding speech for the big day), just the thought of standing in front of hundreds of strangers with all the focus on your every word is enough to make anyone’s creative juices come to a grinding halt.

Luckily, there is an easier way in the form of an extremely well written and simple to read book by author Tom Haibeck, professional speech-writer.

This book is considered the Bible of Wedding Toasts in the wedding realm. Regis Philbin referred to this book when toasting his daughters wedding and it will help you too. I have checked it out, and this book lays out you need to know about being an incomparable Best Man. This means more than just how to write and deliver the best man wedding speech, but also gives you insight into possible themes, wedding toasts 101, the correct use of humor, how to eliminate your fear of public speaking, how to hold their attention… all this, as well as TONS of written speeches and wedding speech templates.

Would not you like to get the job done quickly and efficiently?

Get Wedding Speech Samples

The main attraction of this package is, of course, the handwritten exquisitely crafted, witty professional wedding speeches (did I mention that there is are easy to use, step-by-step templates, a checklist, and Tom’s top 10 Do’s and Don’ts).

That is not it, there are also tasteful jokes and famous quotes that will help you personalize your best man wedding toast without sounding insincere. That is the difference between this book and all the other canned speeches that I have seen. This one will not make you look fake. Trust me, as a wedding professional I have heard many terribly delivered toasts and few had the natural well versed touch that the bride and groom deserve.

Best Man Wedding Speeches is it Worth It?

Altogether, this is a pretty impressive package. Toms got all the bases covered here, an intense variety of useful info on every single aspect of being a Best Man, from the speech-writing and delivery itself to handling problematic guests to wedding etiquette.

In short: literally everything you will ever need to pull off your responsibilities as Best Man with style and panache are included here.

But do not just take my word for it, feel free to check it out for yourself (and have a look at a couple of those testimonials while you are there, if they do not convince you, then nothing will!)

The verdict? Two thumbs up for Tom Haibeck’s Best Man Speeches; it really is the Best Mans ultimate resource!

Affiliate Programs To Sign Up With

Make money online with affiliate programs can be tough but it can be the most rewarding choice you have ever made. Choosing an affiliate program to start with is the most important part of your online business.

There are so many affiliate programs to choose from. It can be difficult to know which one to sign up with. I personally recommend Clickbank for a comprehensive list of top ranking and highest paying affiliate programs. You will receive a check from Clickbank for your contracts earned twice a month.

If you prefer to receive payments via PayPal, then go to PayDotCom. It is a huge affiliate center with marketplace of products you can promote.

When considering which affiliate programs are best for you, I recommend that you choose one that is specifically related to your site's content and target audience. You can also promote a variety of online digital products as an affiliate. I personally recommend that you choose an affiliate program or products that you are familiar with. This way, it is better for you to recommend these to other. Imagine you are selling something that you know nothing about, you are not going to convince someone to buy it from you.

Personally, I mostly use Clickbank and PayDotCom but I suggest you look around because most companies offered free affiliate programs. Some only allowed affiliates to sell their products after they have purchased it. Whichever websites you are viewing, just scroll down to the bottom and look for affiliate link. Some business owner does not like to display the link in the homepage for everyone to see, so sometimes the affiliate link could have been found in the "about us" page.