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Get the Best Arizona Homeowners Insurance at the Best Price

Homeowners insurance is a costly but necessary expense to protect your home and personal property from loss. You want to find the best homeowners insurance at the best price for your Arizona home. Here's how to get both.

Find the Best Price

Arizona homeowners insurance rates can vary by hundreds of dollars from one company to another, so it's important to shop around for the best homeowners insurance rate.

The easy way to shop is to visit an insurance comparison website. Once there, you'll fill out a short form with information about your home and insurance needs, such as:

* Home construction details such as the type of foundation, walls, and roof.

* The year your home was built and the square footage of your home.

* How many feet to the nearest fire hydrant and how many miles to the nearest fire station.

* Any safety features in your home, such as deadbolts, smoke alarms, fire extinguishers, and security systems.

* What amounts of coverage you want for your home and for your personal property.

* What deductibles you want, and any discounts you're eligible for.

The best comparison sites allow you to talk with insurance professionals and get answers to your homeowners insurance questions via a chat feature or by toll-free telephone service. (See link below.)

Select the Best Homeowners Insurance Company

Once you fill out the form with information about your home and insurance needs, you'll receive fast homeowners insurance quotes from multiple A-rated homeowners insurance companies.

Now you need to choose the best homeowners insurance company. To evaluate insurance companies, check Arizona's Department of Insurance website (id.state.az.us). This website will tell you how many complaints customers have made about each insurance company.

You can also check ratings from companies such as JD Power and Associates (jdpower.com), AM Best (ambest.com), and Standard & Poors (standardandpoors.com).

By taking these steps, you'll be able to find the best price with the best company for your Arizona homeowners insurance. …

Information on Your Credit Report

Your credit report is a compilation of your credit and financial history prepared by one the three primary credit rating agencies known as Equifax, Equerian and Trans Union. A credit report typically includes facts about your identity, your residential status and address, where you work, your habits of paying bills, and all public record information. Details of the credit report can be categorized into four parts:

Identification Information – Your full name, any known aliases, current and previous addresses, social security number, year of birth, current and past employers, and, if applicable, similar information about your spouse.

Details of Credit – This contains all the financial history in terms of the accounts you have with banks, banks, retailers, credit-card issuers, utility companies, and other lenders. The accounts are listed by type of loan you may have taken which includes mortgage, student loan, revolving credit, installment loan etc. It will also have the date of when the account was opened, your credit limit or the loan amount, any co-signers of the loan and your payment pattern over the past two years.
Public Record Information: State and county court records on bankruptcy, tax liens, or monetary judgments. It will also include civil suits and sentences, bankruptcy records or other legal proceedings by a court.

Recent Inquiries: The names of those who have obtained copies of your credit report within the past year or two years in the case of employment records.

The credit reporting agencies or credit bureaus qualify and sell your credit report to business which need and use it for evaluating your applications for credit, insurance, employment and other purposes allowed by federal law. It is that very important that your credit report contain complete an accurate information of your credit history. It should be check every two to three years to ensure that there are no mistakes or omissions. …

Small Business Health Insurance Providers With the Best Rates

When it's time to select a health care plan for your employees, you need to look at several small business health insurance providers in order to find the one with the best coverage and the best rate.

Some factors you want to consider when you are shopping for medical coverage include the type of insurance, the price, and the company's stability and service.

Type of Insurance

Small business health insurance plans offer group coverage, which is always going to be less expensive than individual coverage. In general, small business health insurance plans fall into one of these two types:

* Fee for Service. With this type of plan, employees receive a fixed reimbursements for medical costs and can choose any doctor or hospital. These are the most expensive type of health insurance.

* Managed Care, such as PPOs (Preferred Provider Organizations) and HMOs (health maintenance organizations). With PPOs and HMOs, employees must choose a doctor and hospital that's part of a health care network. HMOs usually offer fewer choices than PPOs and employees may need approval before they can visit a specialist.

Price

The same type and amount of coverage can vary by thousands of dollars from one company to another. To ensure that you get the best rate, use an insurance comparison website to get quotes from at least three insurance providers. (See link below.)

Stability and Service

You want an insurance company that's going to be able to pay your claims and that will provide good customer service. You can check on the financial stability of insurance companies by checking rating services such as AM Best (ambest.com), and Standard & Poor's (standardandpoors.com).

A good place to check on a company's customer service record is to go to your state's Department of Insurance website or the Better Business Bureau. They will have records of complaints lodged against the company. …

Limited-Edition Flea Bamboo Fly Rod – Is It Worth the Money?

When I was little, I would run to the door as soon as I heard my dad's truck pull into our driveway. Fishing was our favorite pastime as father and daughter, and I could not wait to grab my pole and angle in the fresh waters. Fishing was reserved for life talks and occasional jokes. Being one of many daughters in my family, one-on-0ne time with my dad was special. After his passing in the fall, I remembered our fishing excursions, and I still remember "my" old fishing rod. It was an Orvis Flea Bamboo Fly Rod.

What Makes a Bamboo Fly Rod Special?

A bamboo fly rod is made from bamboo (some call it cane). Tonkin and Calcutta cane are used to make bamboo fly rods. Both are said to be the strongest of all species of bamboo because of their high density fibers. Anglers know that density and flexibility are the key to successful fly fishing. Another reason that rod builders use these species of bamboo is because of its well-spaced nodes, brightness, and its lite weight casting abilities.

The process of making a bamboo rod is quite intense. In fact, it can take over 100 hours to make one rod! Artistians hand-wrap the silk fibers from bamboo strips to create the guide of the rod. Most bamboo rods are handmade, and the Orvis Limited Edition Flea Bamboo Fly rod is no exception.

Because of the extensive time it takes to make one of these special rods, some vintage mint condition bamboo rods cost over $ 15,000. Collector editions such as the Limited Edition Flea Bamboo cost between $ 1,500- $ 7,000. Because they are limited edition rods, their value will only rise over time. I have never had mine appraised, but I can guess that it would fetch a pretty penny as it shows minimal wear.

Features of the Limited Edition Flea Bamboo Fly Rod

Anglers who want a lite weight rod will be please with this beautiful product. Hand made in Vermont for 2008 only, this split bamboo, 4-wt. 6 1/2, agile treasure mixes beauty with capacity.

Split bamboo offers the lightest weight casting capabilities. I have used several different rods, and I find that this bamboo rod is far superior to its competitors'. Weighing in at just 4 oz, this rod is perfect for fishing low water creeks and streams. In fact, many reviewers prefer this rod when fishing in low waters. Tie a tiny fly on the Flea rod, and you have yourself a perfect fishing cohort!

This new version of the original Flea Bamboo Fly Rod offers the same taper specifications as the original bamboo Flea rod. Its updated hardware and hand-engraved nickel- silver sliding reel seat band offer style of yesteryear. A Wes-Jordan style tube, a leather and heavy gauge protective liner and an extra tip complete this fine, hand crafted product.

If you are thinking about purchasing this rod, keep in mind that its value will increase over time. This …

Is This Home Based Business a Scam?

There are hundreds of home based business opportunities out there that promise $ 2,000 per week or more. But you know that things that sound too good to be true usually are. So how do you determine if a certain home based business is a scam? In making this determination, there are three specific criteria you should test for: legitimacy, suitability and marketability.

The easiest way to test a home based business for legitimacy is look up that business in your favorite search engine. Simply type the name of the business into the search box, followed by "legitimacy," "testimonials," or "fraud." This should give you a pretty good indication of whether or not the business is legitimate. But remember, just because you do not find something right away does not mean that negative press is not out there. You should also check out the business with the Better Business Bureau to make sure.

If you find that a home based business is indeed legitimate, the next criterion to test for is suitability . Determining suitability is all about determining if you are qualified and willing to do everything the business entails. Consider a sales-based home business. Just because the best sales person on their team is making $ 2,000 per week, does not mean that you will be just as successful. Take a thorough look into the company, and if it is something you really want to do and know you can do, and then move on to the next test.

The final criteria you should test for in a home based business opportunity is marketability . Testing for marketability simply means determining if you have access to enough potential customers to make the business viable. If the business requires you to sell snow skis to the people in your immediate area and you live in Hawaii, this opportunity is not marketable. Also consider that the market might be seated where you live. Something that sells in one community may not sell in another.

If you test a home based business opportunity and determine that it is legitimate, suitable and marketable, then feel free to be optimistic in your new venture. But try not to set your expectations too high because it is still their job to try and sell you their business. …

Why Your Business Needs Social Media for Influencer Marketing

Influencer marketing can be considered as an effective strategy to attract and engage with the potential and existing customers. Read on the article to find more information about social media and influencer marketing.

You can no longer question the significance of social marketing. Each and every one is using the social marketing agency or channels for personal and professional purpose. Recently, business organizations are taking advantage of social networking sites to increase their influence and stand out in the competitive market. More than just having an online presence, businesses needs to extend their digital storefront to social marketing networking sites in order to take advantage of this powerful technology fad. Majority of the marketers place high hope and value on social marketing optimization and marketing. Not only social marketing features levels the playing field, but also brings more attention to your business.

Rise of social networks have reignited the interest in influencer marketing. In the digital age, celebrities are not only the influencers services, but also a popular blogger or an industry expert can have the strongest influence on buying decisions of consumers. Any individual with an established credibility and large audience can be an influencer. Their trustworthiness, expertise and authenticity can persuade the consumers to engage with your brand. And that is why it is recommended to establish a potential relationship with them and orient your marketing activities around them.

Tapping into the emerging marketing tool is not easy though. Choosing the right social marketing channel is a crucial yet challenging task. The problem is that you can find an overwhelming number of social media sites. Even though they might share similar features, each site demands a unique strategy. Most of us will think about the popular social medias such as Facebook, Reddit and Twitter marketing services. But there are other networks that you should take advantage of such as YouTube. Flickr, Instagram, Tumblr and Pinterest for business marketing. According to the latest facts and figures, Pinterest, Google+, Facebook, Instagram, YouTube and Tumblr are the fastest growing social marketing sites. Pinterest, being a leading referral source for organic traffic, is an impeccable choice to achieve higher search rankings and returns. Carrying out a detailed research and analyzing the objectives can help you pick the relevant channels that best suit your brand. No matter whichever industry you are in, make it a point to use social media to your advantage.…

Misleading Ways to Make Money Online – Personal Reflections – Part III of III

Some people have generated the hype that one can make money by reading emails, clicking on links, Pay Per Post, sharing videos and photographs. Nothing can be far from the truth.

In another article I have indicated how making money by doing surveys is fallacious. The same comments apply more or less to the above mentioned schemes.

I have been involved in a few programs for reading emails. I never got a penny from these. At best it may take years to reach the minimum payout of $ 10.

First, you will not get enough emails. Second, most of them pay less than a cent, or even a quarter of a cent. I know one program paying 1 / 10th of a cent. How ridiculous. With this much of payment, one will be toiling a whole day for a few cents.

Lastly, their minimum payment is $ 10 or more. They have ensured that no one reaches that payout for a very long time.

I am also involved in a few programs aimed at clicking of links. Again, I never got any payment. In one program, I have reached about $ 8 after a long time, with payout at $ 10. I am stuck at this amount because now I do not get any links. I wonder if they do it purposely in order to keep me and others like me out of payment, being so close.

As regards clicking of links, there are not enough. Here again, it may take up to a year or more to reach the payout amount.

I believe something in one Pay Per Click program. I have not reached the payout stage, but I hope I will make it there. Once I am paid, I will write about it in my blog. It is essentially a penny game and it really takes a long time, enough to get discouraged.

Pay Per Post is another scheme run by numerous websites. In this when you write something and post it, you are expected to be paid a penny or two. One popular program in this category is myLot.com. I used to be credited at an average of 3 pennies per post. But now this has gone down to about one cent. I have read from many members on myLot to have experienced similar declines in their credit. I have never been paid on that site so far, with a credit of about $ 7.

I have no personal experience about videos or photographs. However, I have read discouraging reports regarding the latter. Making money with videos might be a better idea.

There are so many variations of the above programs. They keep on appearing in one form or the other.

What one can conclude from my writings is that it is a sheer waste of one's time, resources and aspirations. So before getting discouraged, one should not even think of these false money making schemes.

Question is what do the authors of these programs gain? By …

Make Sure Mortgage Protection Insurance Would Work For You

Mortgage protection insurance can work for you but it can only do the job it was designed to do if it is bought correctly with your circumstances in mind. It is the exclusions which stop the product from working for your particular circumstances and these are what you have to bear in mind before purchasing your policy.

Common exclusions within most mortgage protection insurance polices include only being in part time work, being retired, self-employed or suffering from a pre-existing medical condition at the time the policy is taken out. Of course there are many more and these can be found in the small print of a policy and within the key facts and must be understood.

Providing a mortgage protection insurance policy is suitable for your needs then it can be a lifeline if you were to find yourself out of work due to an accident, sickness or through unforeseen redundancy. You can choose at the afternoon to guard against coming out of work due to accident and sickness only, unemployment only or accident, sickness and unemployment together.

Cover would begin to pay out once you had been out of work, usually for 30 days or more and would then provide you with a tax free monthly income which would continue to meet your monthly mortgage repayments and help you to keep the roof over your head for up to 12 months (and with some providers, for up to 24 months).

Quotes for the cover do vary and it is essential that you get multiple quotes before making the decision to buy. The easiest way to get multiple quotes for comparison is to go with a specialist provider and let them shop around for the cover for you; you do however have to read the small print and understand the key facts of a policy before buying if you want to ensure that mortgage protection insurance would work for you. …

7 Pros and 7 Cons of Audiobooks

I just finished my first audiobook. And it was an experience worth sharing:

I had been reading reviews and blog posts and tweets about Seth Godin’s newest book, Linchpin. Went to a couple of bookshops on my way to work/home; it wasn’t available. So I went to Amazon.com to order one. I was at Amazon after a long time, and was surprised to see the options available: Kindle (ebook download), hardcover, paperback, audio CD and audio download. Audio download looked like the fastest option so I checked it out. It took me to Audible.com – an Amazon company, where an audio download was being offered for just USD7.49 with a new membership! I signed up, paid the money, downloaded the book, and started listening to it right away! The benefits:

1. It’s fast. I was listening to the book after just a few clicks in few minutes.

2. It’s cheap. Book versions were USD13-25.

3. It’s convenient. I copied the file to my iPhone to listen during my commute to and from work.

4. It’s safe. A copy each on my computer, iPhone and backup is likely to last (damage-free) as long as I wish.

5. It takes no space. So less clutter. No worries about whether to keep, sell off, recycle or give-away.

6. It’s environment-friendly. No paper, ink, chemicals.

7. It’s comfortable. For someone who spends a lot of time in front of computers or books, this is a good break for the eyes. You can listen while standing, walking or lying down.

And the disadvantages:

1. You need technology – computer, Internet access, applications like iTunes, and power supply

2. You need a handheld device to maximize the use of audiobooks – iPhone, iPod or any other MP3 player

3. You need a credit card for online purchase

4. You can’t share. I love giving away my books to someone who might enjoy/benefit. Most audiobooks can’t be shared on multiple computers/accounts.

5. You can’t refer as easily. I like to go back to particular passages in my favorite books for inspiration/information/sharing. In audiobooks, you can fast-forward to chapters but it’s difficult to go to the exact passage you are looking for.

6. You can lose it easily – unless you have a good backup system.

7. You become anti-social. Your chances of interesting conversations with strangers greatly diminish if you go around with headphones in your ears.

On balance, I think it depends on your lifestyle, circumstances and even the kind of book you want to read. Please take a few minutes to share your views through comments: Have you tried an audiobook? If not, will you? What other pros and cons can you think of?…

How to Find Affordable Car Insurance in Oregon

Nobody like to pay more for car insurance than they have to, and this is especially true in Oregon, which has some of the highest automobile insurance rates in the country.

There’s really no trick to finding affordable car insurance in Oregon. It’s simply a matter of shopping around and comparing as many different companies as possible.

Thanks to the internet and a variety of free quote services, getting comparisons is not as difficult as it used to be – but it is still tedious and time-consuming.

To save time it is advisable that you have all of the necessary information in front of you before you log onto a car insurance quote site. Having everything at your fingertips will save you a lot of time and headaches.

First, have your driver’s license in front of you. You will need to supply all the “standard” information: name, address, birth date, gender, and martial status. They will also ask for your driving record for the past 5 years. This will include a list of accidents, claims against your present insurance company, and any tickets you have received. Be truthful – they will double-check your answers.

They will also ask about your occupation and the number of years you have been employed, as well as ask questions about your credit history; drivers with good credit get a break on their auto insurance rates.

They’ll want to know how many people will be driving the car and their ages and genders, and they will ask if you rent or own your own home (homeowners often get a slightly lower rate).

In addition they will need information about the car you will be insuring. They will need your vehicle’s year, make, and model, as well as any anti theft devices or safety devices the car has. They will also ask if you own your vehicle or if it is being financed. You will also need to have your vehicle’s VIN number. The VIN number can be found on the driver’s side dash board under the windshield or in the glove compartment on the right hand side.

They’ll want to know if your vehicle is used primarily for business or pleasure and approximately how many miles you drive each week.

Finally they’ll ask about your current insurance and then ask what types of coverages you want and what deductibles you’re considering.

Even though it seems like a lot of information, most of it is fairly standard information that you will know off the top of your head. The rest you will need to gather.

The payoff for the effort you’re making will be affordable car insurance month after month, year after year – and for most people that’s worth an afternoon of online comparison shopping any day!…