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Tuesday, September 11, 2007

Finding Auto Insurance Comprehensive Coverage

You can go online to easily find and quote auto insurance comprehensive coverage.

The definition could include basically (2) trains of thought. Often the term comprehensive merely applies to thorough physical damage in the event of loss to the vehicle itself. That's when auto insurance comprehensive coverage comes into play.

The other thought relates to overall benefits that include bodily injury, uninsured motorists, medical payments, under insured motorists, comprehensive and collision features. That essentially provides broad and pretty thorough coverage.

A broad range of coverage's naturally determine the final premium to be paid. You can adjust by picking and choosing, then requiting and eventually come up with a tailored policy the suits you and hopefully your pocket book.

Laws require we at minimum carry liability insured and lenders that finance our vehicles insist on comprehensive and collision during the time they are financing your auto that's of course to protect their investment. Once the loan has been paid off you no longer are required to provide that coverage. Of all the elements available that portion of the coverage generally by far is the most expensive.

The costs of insurance are impacted by age, past driving experience, type of use, and what the vehicle is and its costs. It's worth checking out some quotes online before you even purchase a vehicle because in some cases you could be in for a huge shock and may want to re-think your choices.

So when it comes to finding what you need it's quite simple. You go online, type in auto insurance comprehensive coverage and you'll have many resources to use in shopping for your coverage's and do it for free as well. Easy, fast and very convenient.

Learn more about comprehensive auto insurance coverage and free quotes.

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What Are The Different Types Of Boat Insurance Available?

When shopping for boat insurance, you may be surprised to find that there are different types of boat insurance policies available. Many insurance companies will only offer one standard watercraft liability coverage policy, while others will offer optional coverage that you can purchase. In fact, if you have financed your boat, your lender may require you to carry specific optional coverage. There are several different types of coverage that you can add to your policy.

The standard insurance is the watercraft liability insurance coverage which is required by many states. This insurance will cover you in the event that damage is caused to another person or another person's property by actions taken with your boat whether it is during transport or on the water. Again, many states now require this liability coverage, and each state has its own requirements as to how much liability coverage you need to have. Check with your insurance agent to find out what you are required to have.

Watercraft medical payments coverage may also be required in your state. This coverage pays the medical expenses, up to a specific amount, for you and any occupant of your boat which results from a covered accident. Even if this insurance is not required, you should definitely consider it. Medical expenses are quite high. If you think that you cannot afford this coverage, think about whether or not you could afford the medical bills you will have in the event of an accident without the coverage.

Wreck removal and pollution coverage should also be strongly considered. By law, if your vessel is wrecked or sinks, you will be required to remove it. If oil or gas leaks into the lake, river, or ocean, you will be fined just like the big oil companies are fined when they have spills in the ocean! These fines, as well as the wreckage removal and spill cleanup can be quite expensive without this coverage. Don't make the mistake of thinking that something like this won't happen to you!

You should insure yourself against uninsured watercrafts as well. This works just like uninsured motorist insurance when you purchase coverage for your automobiles. If someone who does not have insurance or adequate coverage collides with your boat on the water, your insurance will pay for the replacement of your boat, or for the needed repairs.

Towing and assistance coverage should also be strongly considered. Getting towed back to shore often costs more than having a car towed to a garage! Especially if you are out in the middle of the ocean! You should also ask about coverage to recover your boat and protect it from further damage after a mechanical failure or an accident. These costs do indeed add up. Again, don't make the mistake of thinking that nothing bad will happen, and don't make the mistake of thinking that you cannot afford the coverage. If you can't afford the coverage, you certainly won't be able to afford these expenses!

Most insurance policies should cover your boat, the motor, and the trailer used to transport the boat. Liability coverage isn't the only type of coverage that you need in most cases. You should make sure that you protect your boat, just as you protect your automobiles with coverage that includes theft and vandalism, as well as losses caused by storms, fire, sinking, capsizing, stranding, collision, and even explosions. Talk with your insurance agent to find out what type of insurance is required by your state and what type of coverage they offer. Also talk with your boat dealer and lender to find out what type of coverage you are required to have as well.

CopyRight Ian D. Major 2005.

Ian D. Major makes it easy to understand Boat Insurance, quickly and easily. Learn all you need to know by visiting Why You Need Boat Insurance an entirely FREE source of information about Boat Insurance.

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A Simple Guide To Who Can Benefit From Unemployment Insurance

Very few people have unemployment insurance in terms of the percentage of working age individuals living in the UK at the moment. Far more have house insurance, car insurance and pet insurance, and yet not one of those entities can help you to make it through enforced time off work. If you are made redundant then there is no going back to work and this could seriously endanger your lifestyle, and even your health as a result of the levels of stress.

Unemployment insurance can actually provide a whole host of benefits for certain individuals, although certain characteristics and circumstances can render an individual ineligible for the cover. For example, to hold an unemployment insurance policy and be able to claim on it if the worst should happen, you would have to be between the ages of 18 and 64, although that may change in the future as a result of older individuals being allowed to work well past retirement age if they so wish.

Of course, there is always a waiting period from the time that you take the policy out until the time that you are deemed eligible to claim, and this may be within one to three to six months. If you feel secure where you are at the moment then this would suit you. However, if you are at risk of redundancy and do get laid off during the waiting period, then it is classified as a pre-existing factor and thus an unemployment insurance policy will usually not pay out.

Unemployment insurance actually provides a monthly wage for individuals who have been forced out of work through no fault of their own. However, it is the terms and conditions of the policy documents that stipulate just how long you will have wait for a payout. All terms and conditions are different from company to company. However, any good unemployment insurance policy will protect you to the best of its ability and keep the debts at bay whilst you begin to look for another place of work!

Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of unemployment cover, loan protection insurance and income protection insurance.

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Understanding Battery Life - Part 1

Mobile Computing users (people that use laptops, PDAs, and Smartphones) have one thing in common and that is they all use batteries to power their device. When considering a battery purchase most mobile computing users seek to find the answer to one of the following questions if not all (questions of which relate to the battery); the questions are:

What does the life of the battery mean? How is battery life measured? What factors determine battery life? When does the battery begin to lose life? What factors shorten battery life? Is it better to buy a long life battery?

In part 1 of this article series lets look at the meaning of battery life; how battery life is measured; what factors determine battery life and finally when do batteries begin to lose life.

What does the life of the battery mean?

Battery life is the term that is often used when we speak about how long a battery can last (other terms we often use when speaking about battery life is battery capacity, battery runtime, battery mAh, battery milliamp rating, and battery playtime). All these terms speak about the life of the battery how long the battery will power my PDA (or other mobile computing device) before I have to recharge.

How is battery life measured?

Battery life is a measurement of capacity. What is Battery Capacity? Battery capacity is a reference to the total amount of energy stored within a battery. Battery capacity is rated in Ampere-hours (AH), which is the product of:

AH= Current X Hours to Total Discharge

What factors determine battery life?

The duration of the battery charge is governed by five factors including:

Physical Size - the amount of capacity that can be stored in the casing of any battery depends on the volume and plate area of the actual battery. The more volume and plate area the more capacity you can actually store in a battery.

Temperature - capacity, or energy stored, decreases as a battery gets colder. High temperatures also have an effect on all other aspects of your battery.

Cut off Voltage - To prevent damage to the battery and the device, batteries have an internal mechanism that stops voltage called the cut-off voltage, which is typically limited to 1.67V or 10V for a 12 Volt battery. Letting a battery self-discharge to zero destroys the battery.

Discharge rate - The rate of discharge, the rate at which a battery goes from a full charge to the cut off voltage measured in amperes. As the rate goes up, the capacity goes down.

Battery History - Deep discharging, excessive cycling, age, over charging, under charging, all reduce capacity. Note charging your battery 1 time will reduce capacity as much as 15%-20% depending on your battery's chemistry.

When does the battery begin to lose life?

A battery begins to lose life the very moment is used. Lets clarify a little more so that we are clear with what that technically means! A new battery is NOT: a battery that was charged, connected to a device, been opened from its wrapping or chemically activated in any way. Now be very careful with any assumption you may have where a battery could still be considered new even after it was charged, connected to a device, been opened from its wrapping or chemically activated in any way. Why?

Inside the battery itself is a system designed to produce a chemical reaction. The chemical reaction is designed for a single purpose: to create an electron flow (i.e. electricity) by which the device is powered. The electron flow is measured (or moves at speeds) in amperes, where 1 ampere is the flow of 62,000,000,000,000,000,000 electrons per second! Therefore once the chemical is activated and the flow of electrons takes place, even for a second, then the loss of power and battery degradation begins and there is no stopping it. Once battery degradation begins a battery is considered used and its natural life will deplete in a matter of time.

One note is that a battery only need be connected to a device or have its connectors touched to effectively create a closed circuit for the chemical to potentially activate, at which point of course the battery life will begin to deplete.

In part 2 of the article on Battery life we will look at the factors that shorten the battery life and whether it is better to buy a long life battery or a lesser capacity battery.

Dan Hagopian You have permission to publish this article electronically or in print, free of charge, as long as the bylines are included with link. Dan Hagopian of http://www.batteryship.com is a known electronics author that specializes in portable power gadgets. His work can be found on the BatteryShip blog at http://www.batteryeducation.com He frequently writes about pda batteries, ipod batteries, general battery technology for our mobile world, new fuel cell technology and interesting power related inventions. For further information please visit http://www.batteryship.com where you can also find PDA battery replacement kits, smartphone batteries, twoway radio batteries, barcode scanner batteries, camera batteries, and camcorder batteries.

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Ten Strategic Tips To Entrepreneurs When Considering Becoming A Franchisee

Many of todays business owners are entrepreneurs and many of those entrepreneurs are franchisees. Many of these franchisees are very pleased with their experience and results, but too many others have become victims of the dynamics and realities of franchising. Your Strategic Thinking Business Coach researched the issue and found ten (10) strategic tips to share with entrepreneurs who have decided to become franchisees.

Strategic Tip #1: Assess your readiness and your suitability to be a franchisee. Too many entrepreneurs neglect this assessment. Owning a franchise is not like opening your own business. Buying a franchise means you have become a part of a larger organization and you must adhere to guidelines and structure. For many entrepreneurs, this is not a concept with which they are comfortable.

Strategic Tip #2: Do your due diligence and research the product or service that is being franchised. You need to know all about what you are selling and you need to feel comfortable and confident in selling it.

Strategic Tip #3: Make sure you absolutely understand all the costs involved with the franchise opportunity. There have been too many franchise owners who only looked at the initial outlay of capital and did not consider and plan for the ongoing financial needs of the business. You need to develop a detailed budget that incorporates not only the startup costs, but also the operational and maintenance costs for the first 3 to 5 years.

Strategic Tip #4: It is absolutely critical that you speak with other franchisees and learn their opinions of the franchise business, and their opinions of the strengths, weaknesses, opportunities, threats related to the franchise. You must do this before investing any money in the franchise business.

Strategic Tip #5: Seek outside advice and counsel. Consider hiring a strategic thinking business coach to guide you through your decision making process.

Strategic Tip #6: Retain legal counsel to review the franchise agreement. Select an attorney that is familiar with franchise agreements. Never sign a franchise agreement or any franchise document without legal counsel.

Strategic Tip #7: Insist upon receiving everything in written form. This is especially true when it comes to what the sales representative tells you about all the wonderful things about the franchisor. In other words, get all promises from the franchisor in written form.

Strategic Tip #8: Conduct a SWOT analysis of the franchise opportunity.

Strategic Tip #9: Perform an independent market analysis of the franchise opportunity.

Strategic Tip #10: Develop a strategic plan and a strategic action plan with integrated marketing communications elements and assess the level of time, resources and capital it will take to assure a successful venture.

Your Strategic Thinking Business Coach encourages you to fully realize the benefits of business coaching to strategically and effectively start a new business, on your own or becoming a franchisee.

If you would like to learn more about how a strategic thinking business coach can facilitate and guide you in that endeavor, please contact Glenn Ebersole today through his website at http://www.businesscoach4u.com or by email at jgecoach@aol.com

Glenn Ebersole, Jr. is a multi-faceted professional, who is recognized as a visionary, guide and facilitator in the fields of business coaching, marketing, public relations, management, strategic planning and engineering. Glenn is the Founder and Chief Executive of two Lancaster, PA based consulting practices: The Renaissance Group, a creative marketing, public relations, strategic planning and business development consulting firm and J. G. Ebersole Associates, an independent professional engineering, marketing, and management consulting firm. He is a Certified Facilitator and serves as a business coach and a strategic planning facilitator and consultant to a diverse list of clients. Glenn is also the author of a monthly newsletter, Glenns Guiding Lines Thoughts From Your Strategic Thinking Business Coach and has published more than 275 articles on business.

To find out more about the benefits & rewards of effectively working with a strategic thinking business coach, please contact Glenn Ebersole through his web site at http://www.businesscoach4u.com or jgecoach@aol.com

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Detect Key Logger, Identity Theft Spyware

To detect key logger spyware, you need to know what it is and how it works. Key logger is an invisible software program that identity thieves can use to track your online activity.

It is almost impossible to detect key logger on your computer and even if you're careful you'll never know if it is recording information such as bank account passwords and credit card numbers.

You won't even see your machine slow down or see anything unusual. It just silently watches every keystroke you type in as if the identity thieves were standing over your shoulder.

At least on third of all online scams can now be traced to keylogging. If you type key logger into any Internet search engine you can find several perfectly legal ways to buy and install it.

Several businesses use key logger software to monitor employee activity and parents can use keylogging to check up on the web sites their children are visiting. But in the hands of a hacker wanting to steal your financial information, key loggers are extremely dangerous.

Attackers who use key logger spyware often sell the information to third parties who can funnel money out of bank accounts or charge up credit cards. Hackers who use keylogging to get into one computer at a company have the ability to steal vital information from the entire organization.

The best rule of thumb is to carefully monitor what you download on your computer and what sites you visit. The major sites of banks and retailers are usually relatively safe. But be aware of downloading free software from an unfamiliar site that could leave you vulnerable to a potential hacker.

Here are a few tips to protect you against keylogging:

  • Never open spam e-mail.
  • Do not open e-mail attachments from someone you don't know.
  • Do not click ok on pop-up windows without reading them first.
  • Use a firewall to help prevent any unauthorized computer activity.
  • Run a weekly, full system anti-virus computer scan.

    Computer experts say the number of keylogging crimes is on the rise but there are ways to protect yourself . Detecting key logger spyware and destroying it can be done by installing spyware protection software.

    Becoming aware of the different ways that you can avoid this from happening to you is the first step to protecting yourself.

    Copyright 2005 Spyware Information.com All Rights Reserved.

    This article is provided by http://www.spyware-information.com where you will find free spyware cleaners, downloads, removal software, computer firewalls and valuable tips. For regularly updated articles about adware, spyware and protection from identity theft go to http://spyware-information.com/articles_1.html

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  • College Football Picks Week 1 - Part 1

    Without further delay, here are free College Football Week 1 handicapped selections: Click on the link under our Bio to access our Week 1 BEST BETS along with the rest of our strong Week 1 plays and angles. Here is a small sampling of our work which is now in our tenth year of professional handicapping.

    WEST VIRGINIA(-23) VS. Western Michigan:

    On the small list of championship contenders, the West Virginia Mountaineers open the season at home in front of their raucous fans to face the Western Michigan Broncos. With two potential Heisman trophy contenders in QB Patrick White and RB Steve Slaton, the high powered offense of coach Rich Rodriguez should put up plenty of points to begin what could be a special 2007 season. Looking at it in historical terms, teams that come into the season with legit championship hopes more often than not blitz their opening game opponent, especially if they are at home. The -23 spread is quite large since Western Michigan is not horrible. The MAC has a history of playing teams from the big conferences tough and the Broncos do have the ability to run the football. West Virginia's defense is loaded however and this will nullify the main strength that Western Michigan has. This is a bad matchup all around for Western Michigan based on the matchups and I anticipate a blowout to help jumpstart the championship march West Virginia hopes to make.

    NEBRASKA(-19.5) VS. Nevada:

    This looks like a make or break year for head coach Bill Callahan and the Cornhuskers look talented enogh to save his job. Transfer QB Sam Keller has been groomed to run the West Coast offense and he also has much to prove as as his stay with Arizona was nothing but a struggle, both personally and athletically. Keller is immensely talented and he has what it takes to take this team to great heights. The offense is loaded all around him and if everything clicks, could be one of the top units in college football. Add to the fact that they are playing at home, and this game should be a blowout on a large scale. Using the "EMOTION ADVANTAGE" angle we have been championing for years(check out our website on the under Author Bio below for more on this money winning angle) and this game serves as our first Strong Play of the year(a free BEST BET pick for Week 1 only).

    There is no tougher place to play in almost all of college football than Lincoln, Nebraska. 90,000 will be on hand to usher in the new year and with Callahan and Keller both having a tremendous emotional investment in this season, I expect the Cornhuskers to come out flying on both offense and defense. Nevada is an up and down team from the WAC who don't have anywhere near the offensive prowess that Nebaska has and their smallish, inexperienced defensive backfield will open up large passing lanes for Keller to throw to. Bet the house on Nebraska as you combine the emotional AND strategic advantage that they have over Nevada.

    Cofounder of http://www.yourwinningpicks.com in our tenth year of supplying sports handicapping and fantasy sports information.

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