insurance

With gas prices soaring well above $ 3 per gallon many Americans are looking for ways to save money on gas. One such technique for saving money on gas is hypermiling. In this article I will outline 5 techniques to help you save massive amounts of money on gas.

Maintain an efficient speed. – The first technique to save money on gas is to maintain an efficient speed. Although each and every vehicle will have its own unique efficient speed this is usually between 40 and 55 miles per hour. You should test several different speeds for your car to determine which speed it runs most efficiently at.

Keep up on your maintenance. This seems simple enough but keeping up with your cars maintenance can easily save you 90 cents per gallon. Make sure that you schedule regular tune ups, keep proper pressure in your tires and clean dirty air filters.

Lighten your load – The third technique to save money on gas is to lighten your load. Its simple, the less cargo you carry in your car the less resistance your car will face and the more efficient your car will run saving you money at the pump.

Install an aftermarket fuel gauge. – Another technique for improving your gas mileage can be achieved by installing an after the market fuel gauge. After the market fuel gauges can help you determine your fuel efficiency and then allow you to adjust your driving to get the most out of every gallon of gas improving your gas mileage.

Use water to fuel your car. The fifth technique and the one that is most effective is water for gas technology. Simply put this technology allows you to convert your car to run on water as well as gas improving your gas mileage by nearly 60% and helping you save a massive amount [http://www.vehiclesrunwithwater.com] of money on gas. …

Since car insurance is costly, most consumers don’t want to use it. Buying the right coverage is important, but it costs more to get a new car insured. Give below are a few tips that can help you save money on your car insurance. Read on.

Annual Rate

You can check out some websites to compare different insurers online. While you can’t get a quote immediately, you will get a reply soon from the agents of the company. You may want to consider making a relationship with a good independent agent. They will help you check rates of tons of carriers.

Pick a Good Insurer

Saving money is not about looking for the lowest premium. Actually, some providers offer lower rates of premium. However, they end up charging you more at the end. As a result, you pay more for replacing the parts of the original equipment. In some cases, the provider may increase your premiums post an accident.

The Deductible

With a higher deductible, you will have to pay lower premiums. The reason is that you will be paying more in case of a claim. For instance, if you increase your deductible to, say, $500 from $200, you can cut down on your premium by 15 to 30%. So, if you choose $1,000, you will be able to save as much as 40%.

Review Your Coverage

Liability coverage will pay for your property damage and bodily injury in an accident. It’s not a good idea to reduce your liability to the minimums set by the state. While buying more coverage can seem a strange way of saving a lot, you can enjoy this benefit only if you have a big, expensive claim. As a result, your life savings are at risk. What you need to do is consider your personal injury medical payments and protection coverage.

Use the Discounts

Keep in mind that car insurance providers offer discounts based on the fact that the client has a low-risk lifestyle, such as students, new drivers, experienced drivers and affinity members, just to name a few.

Multiple-Policy Holders

Some providers offer hefty discounts provided you buy your renters, homeowners or life-insurance policy as well. However, make sure that you consider total costs of single-insurer packages and premiums of various providers.

Good Credit Score

Some states let insurance providers use your credit rating to set your premiums. What you need to do is check and fix errors on your credit report. If your rating has been affected by job loss, divorce or any other reason, you may ask your provider for an exception.

Choose Your Car Carefully

For auto insurers, vehicle damage may cost a lot. Therefore, the premiums are set based on the auto model. You may want to ask your provider for estimates on different car models.

So, we suggest that you check out these 8 tips if you are going to buy car insurance and want to save some cash with the purchase. Hopefully, you will be able to …

Life insurance plans are designed to make life easy for their beneficiaries. The life insurers study the problems that a person can face and device financial solutions to ease them. One of the big problems many people struggle with is to provide a sound future to their kids. Cost of higher education is really back breaking and is one of the biggest stress causing factors among parents. To ease this problem to a good extent life insurance companies have come up with a specialized plan called child insurance.

Child insurance plans carry dual benefit for the child. First, they help generate a good corpus by investing the premiums in a fund that can either be endowment based or ULIP based. Second, they provide a life cover to the investing parent of which the child is the beneficiary. In case of the death of the policyholder, the insurance company waives off the future premiums and continues to invest in that fund on the policyholder’s behalf. Moreover, it pays a lump sum or period amount for the maintenance of the child. Thus, these plans protect the interest of the child even when you are not with him/her.

Saving money on our own can be difficult as we cannot be that much disciplined unless we enter into a plan which necessitates us to deposit a particular amount or else it would lapse. Such routine is mandatory for systematic saving and investment. The returns from other funds or investments can get spent on other things. That is why it would be better if you have a dedicated child plan in your investment portfolio of which only your child would be the beneficiary.

As per financial experts, investing in such a plan should be started as early as possible to have more time for your money to grow. Ideally you should start comparing child insurance plans of various companies as soon as you know about the pregnancy. There are over a score of companies selling such plans and offer differentiated plans to stay competitive. Effective plan comparison and market research shall ascend you towards the most suitable plan from a reputed company.

For effective comparison you may try services of an insurance web aggregator. On a web aggregator website you can compare plans of scores of companies at a single web location and that too free of cost. Such effective comparison brings more confidence in your purchase and helps you take educated steps in selecting your plan type. Based on such comparison and analysis you can decide whether to go for an Endowment based child plan or a ULIP based child plan. Comparing premiums with your budget you can decide how much cover to go for.

If you are a parent then initiate the process now without wasting further time. Your smart actions now would earn you enormous gratitude from your kid in the future. Don’t miss the opportunity to have that puffed up chest when your kid makes a lucrative career for himself. His …

Growing up it has always been said that one can raise capital or finance business with either its personal savings, gifts or loans from family and friends and this idea continue to persist in modern business but probably in different forms or terminologies.

It is a known fact that, for businesses to expand, it’s prudent that business owners tap financial resources and a variety of financial resources can be utilized, generally broken into two categories, debt and equity.

Equity financing, simply put is raising capital through the sale of shares in an enterprise i.e. the sale of an ownership interest to raise funds for business purposes with the purchasers of the shares being referred as shareholders. In addition to voting rights, shareholders benefit from share ownership in the form of dividends and (hopefully) eventually selling the shares at a profit.

Debt financing on the other hand occurs when a firm raises money for working capital or capital expenditures by selling bonds, bills or notes to individuals and/or institutional investors. In return for lending the money, the individuals or institutions become creditors and receive a promise the principal and interest on the debt will be repaid, later.

Most companies use a combination of debt and equity financing, but the Accountant shares a perspective which can be considered as distinct advantages of equity financing over debt financing. Principal among them are the fact that equity financing carries no repayment obligation and that it provides extra working capital that can be used to grow a company’s business.

Why opt for equity financing?

• Interest is considered a fixed cost which has the potential to raise a company’s break-even point and as such high interest during difficult financial periods can increase the risk of insolvency. Too highly leveraged (that have large amounts of debt as compared to equity) entities for instance often find it difficult to grow because of the high cost of servicing the debt.

• Equity financing does not place any additional financial burden on the company as there are no required monthly payments associated with it, hence a company is likely to have more capital available to invest in growing the business.

• Periodic cash flow is required for both principal and interest payments and this may be difficult for companies with inadequate working capital or liquidity challenges.

• Debt instruments are likely to come with clauses which contains restrictions on the company’s activities, preventing management from pursuing alternative financing options and non-core business opportunities

• A lender is entitled only to repayment of the agreed upon principal of the loan plus interest, and has to a large extent no direct claim on future profits of the business. If the company is successful, the owners reap a larger portion of the rewards than they would if they had sold debt in the company to investors in order to finance the growth.

• The larger a company’s debt-to-equity ratio, the riskier the company is considered by lenders and investors. Accordingly, a business …

If you are looking for a profitable way to create "make money ads" in just seconds you should look into CPA advertising.

The acronym CPA might sound alarming at first glance but, in truth, it reflects, and incredibly easy (and profitable) way to make money on line.

CPA simply stands for "Cost Per Acquisition" or "Cost Per Action".

Cost Per Action means that the user must take a normal action in order to trigger a payment for you. And here comes the fun … with CPA, the action does not have to be the purchase of the product advertised.

In most cases, Cost Per Action offers will ask the user to submit an email or a zip code in order to get a reward. "Cost Per Acquisition", on the other hand, means that the user must actually buy the product or subscription advertised.

Whether or not you're choosing to focus on Cost Per Action or Cost Per Acquisition, CPA marketing simply is a form of advertising that will allow you to quickly create make money ads in any possible niche, even though you are not an expert.

How much money you can make? It really depends on you … and on how you advertise your offers. Pay / lead offers will make you from $ 1.00 to $ 10-15 lead.

Will you get reach?

Again it depends on how much traffic you get and the conversion power of your advertising platform. The advertising platform for your make money ads does not have to be your website. Ifyou have a blog of any kind, by all means, you can simply stick a few banners and links in the most strategic positions.

However, most CPA offers target specific countries and if your user clicks from the wrong country, the offer will not be available.

For this reason, CPA advertising has become really popular on facebook. Next time you login your Facebook account look on those little ads on your right. You'll see that many of them do not ask you to buy anything but to just enter your email a zip code.

Facebook allows you to laser target your prospects choosing country, city, age, interests etc … Also, most people using Facebook are not there to buy anything … most users are there to socialize or network.

This makes CPA marcketing absolutely the perfect way to quickly create laser targeted make money ads in any niche market, and with very little work on your part.

So if you were looking for a fun way to make money on line, CPA could be the perfect choice. After a bit of practice, you'll get better and better and the earnings will accumulate quickly. …

It's too easy to neglect having a marketing strategy and movie distribution plan when producing on an indie film budget. Producers are focused on fleshing out a tight screenplay, firing cast and crew while keeping track of every dollar they spend. Studio budget movies hire goliath companies to develop a marketing strategy and movie distribution plan for their latest blockbuster.

Indie filmmakers have to get creative with their marketing strategy and movie distribution plan so their creative hard work does not just disappear after it's done. I've been learning a lot of good stuff by following what other filmmakers are doing to market a movie in order to make film distribution money.

One movie with a sexually driven theme created artwork and an attention grabbing marketing package that included condoms with the name of the film printed on them. I read they stand out at film festivals with this creative approach. There are also rare indie produced movies that are so damn entertaining they secure meaningful movie distribution without a strong marketing strategy to promote them.

But why take the gamble that your movie will be one of the rare ones? Thinking about a marketing strategy and movie distribution plan early as possible is what successful indie producers do. I do not read entertainment industry trades like The Hollywood Reporter or Variety because they do not have information based off the real life indie cinema scene.

I've been turning to blogs more and more that are ran by indie producers and filmmakers that share what marketing strategies and movie distribution plans have worked for them. I really like reading Indie Slate Magazine and MovieMaker Magazine because they spend time focusing on the business of indie filmmaking not just the creative part of the process.

Creating an online buzz for an indie feature is one of the most effective ways to market a movie without having to spend money you do not have. It only takes personal time to run a movie blog, Twitter account, Facebook page, Google +1 and other popular social networking outlets. Crowd funding for indie movies has really shown that people do respond to online marketing. The effort to keep a movie blog fresh and stay connected with people pays off in the end. Building interest for a movie online is the way to go.

Having an idea of ​​what the movie distribution plan is going to be will depend on what you want as a producer. Are you going to self-distribute or look to land a distribution deal with a company?

Movie self-distribution makes financial sense for smaller budget indie films. Self-distribution allows the creators to keep control of the rights to their movie. Less money has to be made from direct sales to make a real profit from a movie because there are not distribution fees and percentages taken out by a distributor. Many filmmakers have made money for their film investors and themselves from their work through self-distribution combined with an aggressive online marketing …

I can not hear those words without thinking about the old Popeye cartoons, or the Robin Williams version from the big screen. I am what I am , as a result of the thoughts, feelings and actions I've had so far in my life. I also believe we come into this world with a specific purpose that plays a huge role in differentiating us from each other.

In the past few years I certainly feel I've gotten closer to re-discovering what that purpose is. For the first 30+ years of my life, I think I was living up to expectations. I was raised to have great manners, respect my elders, be respectful, be seen – not heard, and a number of other beliefs that my parents instilled in me. Most of those, I most grateful to have learned and adopted. Sometimes though, I wonder how my life would be different if I was not discouraged from speaking up when I had a question, or wanted to voice my opinion.

Now that I'm a parent myself, I'm very conscious of the fact that most of our beliefs that we hold through our lives are formed in our early years (I've heard everything from before the age of 5, to 7 to 10, but regardless of it's at an early age). While I do my best to teach my children to follow their passions, be independent and strong worship, I also by default follow my own programming instinctually.

Did you ever once say "I'll never talk like that when I have kids" and then find yourself sounding like an exact clone of your parents? I know there have been a number of times when I've done myself saying something exactly the way I remember my Dad saying it to me. The challenge is those programs are running automatically on a subconscious level, so replacing them takes a concerted effort.

A big part of that process for me has been following a path of personal development, reading, asking questions and tapping back into who I really am. I've learned to listen to my gut and my instincts more closely. I've done the goal setting and life planning exercises numerous times, and while they all vary slowly I now have a pretty clear picture of what I want my life to look at – and thankfully it's not that much much different than the one I'm living now.

I'm not saying everything about my current life is perfect, but I can definitely see that things are coming together the way I envisioned them, and I know I'm on the right track. The key now, is for me to stay the course. I believe if I'm persistent and committed to creating the life of my dreams, I will achieve it.

Some of the beliefs I've begun to question and challenge over the past couple of years are things like "you must work hard for money" and "money is the root of all evil". I'm not …

“Some folks, not having lived perhaps as much as you, endured as much, or loved as much, simply cannot see the truth of a situation, disagreement, or relationship as clearly as you.

And so, it’s wise to keep in mind, that it’s not their fault.

Can you see this?

The Universe”

Here is the scenario: You work your butt off, years after years, where you struggle, sacrifice, lose out on your social life, miss family events (I wouldn’t recommend that as family always comes first) and at the end, you make it big. However, during your difficult journey, you see your friends enjoying life, living paycheck by paycheck, without any worries about life. They make fun of you because of how dedicated you are to your success, some will even try to convince you that your idea might not be as great as you see it. Your mind is stronger to what your ears hear on a daily basis, which is mostly negative comments towards your dreams. No one really knows how much you endured throughout your challenges and obstacles. To be honest, it is not their fault and you can’t accuse them of not understanding you. You might see them come to you for financial help after you have reach ultimate success, and they might take you for granted for all the new found fortune you’ve been blessed with. They don’t realize what it took for you to get to where you are TODAY. For them, you are the new BANK that was just built in the corner of the street.

Because no one did what you did to accomplish your dreams, they will never know the value of hard work. They may be working very hard at the office, but not remotely close to what you did for your business. They are too afraid to do what you did and do not realize or comprehend how your hard work did all of what you see today. Sometimes, you can’t even realize it as it becomes so distant to you as well. We seem to forget how much work it required because time has passed, and even though you know everything in life requires work, time and patience, you tend to forget all of what was required for you to make it as big as you did. It’s important to help others as well, as you been blessed with not just material wealth, but mental wealth as well. You can redo all of what you see in a heartbeat, including all of the struggling to be successful again. No one can really know what you went though unless they lived with you 24/7. Do not even waste your time in trying to explain that to someone who needs financial help. The amount that you give is really up to you, but make sure you are clear with them that you are not their LOCAL bank where they can withdraw money whenever it’s needed. You need to help others help …

Everyone is making their own way to E-commerce. They haggle to make sure that they reach the top. And if you are one of those who also want to make a name in E-commerce, then you need to exert more effort. You need to be bold and make it big in this industry so that you will not be left out.

Here are tips that would eventually lead you to a successful and profitable e-commerce.

1. Learn how to optimize the search engine. SEO has been the solution for most online business. Just have a knowledge with targeting the most appropriate keywords and you can land on the top rankings for the search engines. You can also gather popular and quality links from other sites that have the same topic as yours.

2. Writing your own sales letter can also turn you into a successful business owner. Give your clients the reason to visit your site. Tickle their curiosity and let them do some action to your advantage. Let them face the fact that there is this need that they need to satisfy by buying your product.

3. You can also make use of these forums. While you are trying to be involved in a hot topic about your product, you can advertise your site on your signature. In that way, you are drawing more traffic to your site while exchanging ideas with other people.

As you can observe, there is not just one way to promote your site. So with so many more options to choose from, there is no reason why you can not make it big in e-commerce. …

Healthy eating is important for everyone, from babies to the elderly. Learning to eat well is more than just eating a variety of foods so that your body gets the proper nutrients. It is also about enjoyment of foods and maintaining a healthy weight. Anyone can eat for good health. It involves 2 simple steps. First is to eat foods from all the different food groups. The second step is to eat a variety of foods from each group every day. Sounds simple. However so many people are not following a healthy eating plan. Busy lifestyles, availability of fast food, advertising and a lack of understanding of what healthy food is, all work against people trying for healthyier eating. Unhealthy eating causes illness and weight problems. Type 2 diabetes is increasing dramatically and is directly linked to the increase in obesity. Heart disease and some cancers are also linked to obesity.

A study by the Medical Journal of Australia found that 56% of Australian adults are considered overweight or obese. This is a 61% increase in obesity since 1991 Un-treated obesity poses significant, even life-threatening health risks.

Everyone understands the importance of having car / home / insurance. Have you considered the importance of nutritional insurance? This means eating the foods that will protect you against future disease, and understanding the benefits nutritional supplements can provide.

If you are currently not following a healthy plan you will be surprised that you are most likely not eating enough. You may need to increase the amount of food you consume.

Daily Food Suggestions

Fruit 2-3 servings, Vegetables 5-7 serves, Protein 3-6 serves, Whole grains 2-3 serves, Dairy 2-3 serves

Antioxidant Super Foods

Antioxidants help prevent cellular damage. Eat plenty of foods rich in antioxidants such as almonds, berries, citrus, carrots, spinach, tomatoes, and bell peppers.

1. Top your cereal with almonds or berries; Add tomatoes to sandwiches, soups or stews; Layer your whole grain bread sandwich with slices of peppers and fresh spinach.

2. Pack a snack bag of nuts, baby carrots, grape tomatoes, and bell pepper slices for a nutritious pick-me-up between meals.

3. Protein snack bars carry easily for quick energy and a tasty treat.

Calcium

Calcium is the super nutrient that keeps bones and teeth strong. Now research shows that low-fat dairy also helps people lose weight! The best sources of calcium come from the cow.

1. Start your day with a protein rich breakfast. Add a bowl of whole grain cereal topped with skim milk and fresh fruit for a breakfast of champions.

2. Snack on low-fat yogurt or cheese between meals for an energizing treat.

3. Calcium-fortified juices and cereals are excellent alternatives to meet your three-a-day requirement.

Fiber

Fiber does wonderful things for the body, from lower cholesterol levels, keeping you regular, and sometimes preventing certain cancers. Grandma called it roughage and we need plenty of it each day.

1. Read food labels to find whole grain breads and cereals that provide three or more grams …