Puerto Rico Jeyy: Aug 25, 2007

Saturday, August 25, 2007

Make Savings On Your Car Insurance By Raising The Excess

When buying car insurance, the type and the insurer that you decide to go with will depend on the amount that you are asked to pay in premiums. On saying this, whichever form of insurance you decide to take, whether fully comprehensive or third party fire and theft, you can save money on it if you just follow some simple common sense.

In some cases you save yourself just a few pounds per year, while others will help you shave a hundred or more from your car insurance premiums over the year.

The premium you are quoted and are asked to pay will depend on various factors and one of the factors which can make a big difference to how much you pay in premiums is the amount of excess which you are willing to stand to should you need to make a claim. All companies will ask that you pay so much towards the cost of the repairs to your car and the more you are willing to pay for this, the cheaper the premium will be.

However, when considering this as an option to go for a way to reduce the premiums on your car insurance, you will have to determine if you think the risk would be worthwhile. If your driving and safety record is immaculate then this is in your favour. However if you have claimed before then it might not be in your best interests to try and bring down your car insurance premium this way unless you are willing to stump up a bigger excess.

If you are thinking of making savings this way then perhaps you could put the money aside which you have stated as your excess. This will ensure that should the unthinkable happen you wont have to worry about finding the money.

When you have decided how much you wish pay for your excess then it is imperative that you shop around for the cheapest car insurance premium possible. You should get quotes from as many insurers as you can or use an independent broker to find the right policy for you.

Also take into account any exclusions within policies, as very often these are hidden in the small print of the policy and aren't clearly listed. This can save you money in the long run.

With a little bit of knowledge and forethought you can make savings on your premium by getting the best deal possible on your car insurance simply by raising the amount of excess you pay.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value car insurance, ensuring that their clients have the protection they need, without leaving a hole in their pocket.

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Podcasting From Small Town Receives Big Attention

Whatever the subject matter may be, podcasting has empowered the masses. With more than 24,000 podcasters listed in many of the top podcasting directories, its a very large pond and tough for most independent podcasters to stand out from the crowd.

Given there are thousands of listening choices, a podcast based in the small town of Fort Dodge, Iowa continues to receive high praise both domestically and abroad.

Last year, You Are The Guest podcast received international praise from one of the most important and widely respected newspapers in the world. Frances Le Monde wrote that the news and political opinion talk show based in the small Iowa town of 25,000 people was very original and gave it a 10 out of 10 rating.

In a recent article, USA WEEKEND invited 3 celebrities to name their favorite podcasts and tell why they liked them. Alan Colmes, radio personality and best known as the co-host of Fox News Channels Hannity and Colmes singled out You Are The Guest saying, "I've always thought that anybody can be made to sound interesting, and, thus, be a good guest. This podcast proves my point - everybody has a story worth telling."

The unique appeal of the show is that anyone can be a guest. You Are The Guest features people from the United States and around the world who give their opinions on everything from the Iraq War, political corruption and conspiracies, to who they think the next President of the United States will be. You don't have to be rich or famous to be on, and you can be part of podcasting without having your own show.

You Are The Guest is a weekly podcast and can be found at iTunes, Yahoo! Podcasts, Podcast Pickle, and all of the major podcasting directories around the world. The show is free to subscribers and may be listened to at the shows website at http://www.youaretheguest.com.

Bill Grady is a former President of the Iowa Broadcasters Association and his stations were recipients of multiple National Association of Broadcasters awards for excellence.

Bill is the creator and host for the popular podcast You Are The Guest which has listeners in over 40 countries around the world and was one of the first podcasts to be available as a direct download to cellphone subscribers.

You can listen to his podcast at http://www.youaretheguest.com. People may also sign up to be a potential guest at the You Are The Guest website as well.

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Ramp Up Annuity Sales Using Secret Tool

Lots of annuity sales with this Tool. Most of our competitors hammer us and our prospects about the surrender penalties in annuities.

7 years, 10 years, 17 years - YIKES!

I look at it differently. I love surrender penalties because they provide me with lots of future prospects and clients. How can that be?

It is the exclusion ratio. The exclusion ratio has made more annuity sales for me that anything I can ever think of. The exclusion ratio is a benefit we should all make certain our clients and prospects are aware of. Explain it this way:

If you convert accumulated funds in an annuity to an income stream you can access the exclusion ratio. The exclusion ratio is the percentage of income that is excluded from tax liability.

I like this example

A $50,000 deposit has grown to a value of $100,000.

If the annuitant takes any funds from this account it is 100% taxable at ordinary income tax rates.

In our example lets pretend that the annuitant selects a 10 year payout and we will round off the calculations for the sake of illustration.

$100,000 will provide an annual payment of $10,000 for 10 years.
$5,000 basis and not taxable, $5,000 interest and taxable.

The $5,000 basis is the exclusion ratio.

Because we have accessed the exclusion ratio we can spread out the tax liability over the selected time period which in our example is 10 years. This means that only 50% of the income received is taxable. By spreading out the payment we have spread out the tax liability!

An annual payment of $10,000 will only have 50% tax liability. Mrs. Prospect, this allows you to completely manage your annual tax liability and to take advantage of the Exclusion Ratio. How about selling the exclusion ratio to the client for the beneficiary?

Mrs. Prospect did you know that when your daughter receives these funds as your beneficiary she can also access the exclusion ratio?

Your beneficiary can accept the funds out over a fixed period of time and spread the tax liability over the payout period.

When a prospect asks me about surrender period I always say this:

Mrs. Prospect, you cannot enjoy the benefits of this contract unless you allow the insurance company to hold your funds. There are many benefits you can enjoy with this product, have you ever heard of the exclusion ratio?

I use the power of the contract and the exclusion ratio to explain the need for surrender period. Easy to explain and makes for very happy clients. This is especially good when someone comes to me with an existing annuity. Often times they are not happy and did not understand the time period for the surrender penalties. I would say this..

Mrs. Prospect, unfortunately your agent did not really understand your contract well enough. It is really not his fault; he probably did not have access to the training that I have had. Let me explain a terrific benefit of your contract, the exclusion ratio.

Once I am able to explain this powerful benefit it is easy to sell another annuity to her. The benefits of the contact sell the annuity for me.

Bill Broich is a 30 year annuity salesman who helps agents increase their annuity sales. Visit his website to learn more. Annuity.com.

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Web Site Hosting MySQL PHP Explained

Web site hosting, MySQL and PHP all work together to create a dynamic and comprehensive web site. A good web hosting company will have PHP and MySQL with in its package. Though its important to remember that there are various examples of packages available to the purchaser.

Which web site hosting MySQL PHP set up you require does really depend on the type of web site it is that you have in mind. Web hosting on its own is as basic as it gets, nothing much more than somewhere to host your web site creation with maybe the added bonus of a email account and/or a web site builder software creator.

When you look deeper into the more professional side of the business of online marketing then you quickly discover that PHP coupled with MySQL is the most commonly used set up for those who have dynamic web sites. By dynamic I mean web sites that have opt in forms, or membership sites that require more advanced scripting and the ability to store data for immediate retrieval.

Having Web site hosting MySQL PHP all together will give the web site creator a massive range of flexibility for what they can achieve on their web site. It must be noted that its all very well having Web site hosting, MySQL and PHP, they must all be compatible.

You see PHP comes in different versions as does the type of web hosting available. If you are purchasing all in a package then no problem, they will all be set up to work together. It on the other hand you are putting together a bespoke hosting package, then be aware of the version of PHP and check that the hosting package supports this. And also make sure MySQL is available as SQL comes in various formats.

Get everything sorted out before purchase, check and double check and there is no reason you should have any problems with your desired Web site hosting MySQL PHP.

Find Out More About The VodaHost Experience Here http://hubpages.com/hub/reliable_web_hosting_service

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Ethics in Advertising

Making money and corrupting the morals of a minor at the same time is not my idea of ethical advertising. Recently a television ad depicted a small boy breaking a window so the owner's wife could upgrade to their own style of window. There were several messages inherent in this ad that bother me.

First, it says that it is O.K. to destroy other people's property if the owner gets someone else to do it. It's like arson, but without the fire. Then, if you lie to the insurance company (and your husband) and say it was an accident, you can use the money to buy a new window.

Of course, since the damage will be over a thousand dollars, the crime is now a felony. Felons can't hold government jobs and are marked for life. Oh, yeah, insurance fraud is a crime, too. But who would fall for such an idea? You'd have to find a little kid, give him money and get him to promise not to tell who paid him and why. All eight year old children have to face life's decisions sometime, don't they?

Now, some ad executive decided to put these ideas on the tube so that millions of people see it, including a lot of kids. So what if the cost of insurance goes up, the cost of the TV ad is tacked on to the price of the product and everybody makes a profit? That's a good thing, isn't it?

Did you ever buy something advertised on TV or in a magazine and was disappointed with the quality or the performance of the product? While it is impossible to change the way some companies advertise their products, here are a few clues that will warn you away from being cheated. Over-the-counter medications are prime examples of the old carnival pitch. If words like 'sometimes', helpful', bigger', or 'more effective are used, then you know that without a comparative study and the percentages to go with them, these modifiers serve only to put a positive spin on the product.

When a medication is helpful, does that mean one per cent of the time or ninety percent of the time? How often is sometimes and bigger than what? Products touted as 'amazing' or 'fantastic' get your adrenaline going, but don't let it get to your wallet. Personal recommendations are purely anecdotal and have nothing to do with a comparative blind study. Adjectives like 'incomparable', 'incredible' and 'unbelievable' often mean exactly what they say. Skin products are rampant with false claims and mythical properties. In science class, we learned that the human skin is practically impervious to anything you put on it except for some acids or strong alkali. A simple softening hand lotion is all you'll ever need and then only in unusual circumstances. Hair shampoo is another catch-all for superlatives. A bar of hand soap in soft water will wash your hair fifty times for eighty cents and do a great job.

I once ordered three 'Multi-fruit trees' from a magazine ad. The picture showed apples , pears, cherries and peaches growing from the same tree! I paid my $5.95 and received three dried out sticks wrapped in spaghum moss. Not even Darwin himself could resurrect these specimens. Other similar items found their place in the attic, like FM transmitters (Fool your friends with your voice on the radio!), instant breast enhancers, fifteen watt bulbs that last forever, and an all-purpose stain remover that supposedly helps remove (almost) any stain. So don't be taken in by the seemingly wonderful qualities of 'bargain' products. Rely on scientific studies, consumer reports and trial and error. If that doesn't work, ask your mother.

Great age allows for making a lot of mistakes. I hope I learned from some of them.

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Accounting Outsourcing Services Help You Keep Your Finances In Check

Dealing with numbers whole day can be quite a tiresome task for many but it is an essential part of a business. The numbers add up to the profit earned or the expense incurred and the primary rule for any business to succeed is to keep the incomes high while minimizing expenses. Accounting therefore plays a crucial role in every business whether big or small and the accounts division is one of the most important divisions in a company. Qualified accountants are hired by a company to maintain regular accounts on a day to day basis so that the senior management or the owner has an exact idea of the financial standing of the business on any given day.

However the increasing cut-throat competition and the amount of multitasking required in keeping a business ahead of its competitors requires a lot of time and money to be invested. In such a scenario a business would like to optimize its resources in every way possible and hiring accounting outsourcing services can play a key role in the optimization of resources for any business. In fact accounting outsourcing services have become the norm of the day for many organizations and countries like India and China are leading the race in providing these professional accounting outsourcing services. More and more companies have realized the practicality of outsourcing the accounts job as it helps to cut down on the money and time spent on maintaining regular accounts accurately by an in-house staff.

Accounting outsourcing services enable a firm to get the expertise of accounting professionals who are well acquainted with the latest accounting softwares available in the market and can competently maintain accounts using the clients preferred software. Also each and every transaction is properly recorded and accounts prepared with great accuracy while ensuring that the sensitive financial data is handled with utmost confidentiality. The financial consultancy and accounting reports provided by the vendor hired for accounting outsourcing services, enable the decision makers of a firm to carefully weigh the financial status of the company before deciding on further strategies and future course of action. The accounting details help a business owner find out the current financial trend and pinpoint areas of profit or loss. He can accordingly curtail certain expenditures that are loss generating and increase investment in profit making divisions.

The major advantage of accounting outsourcing services can be felt during the time of filing tax returns and auditing the financial records of a company. The firm providing accounting outsourcing services ensures that the parent company has all its financial records in place for ready reference at the time of filing the taxes. The transparency that is maintained through such accounting outsourcing records also helps the company to gain a good reputation among not only the auditors and financial institutions but the general public as well. Also most accounting outsourcing firms provide customized and round-the-clock service to its clients hence a business can rest assured about up-to-date records with great accuracy and completely confidential in nature. This can give any firm the competitive edge that it needs to stay ahead in the race. It is essential that the firm uses the accounting outsourcing service provider as an important tool that contributes towards running the business successfully.

Michelle Barkley is a CPA who advises people on tax preparation and tax calculation. She specializes in Bookkeeping outsourcing,Tax return preparation and Accounting outsourcing services.To know more about Accounting outsourcing services and to use the services visit http://www.ifrworld.com

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Stun Guns are Safe and Reliable

Have you questioned your safety? Or what you would do if it was threatened? Contemplating a method of protection is a very serious undertaking and it is becoming an absolute necessity in todays changing times.

As crime rates rise and the forms of personal crime become more and more severe, the simple belief that someone else will protect you is bordering on nave. Have you considered whether you could defend yourself from an attacker?

You likely could, but not without a little planning beforehand. Gaining confidence in your ability to protect yourself means knowing that you have a strategy that will work under any circumstance. For many of us, this involves the use of a tool that is simple and reliable, such as a stun gun.

If you are considering such a purchase, you need to evaluate your options very carefully. At first, you may believe that your personal strength would be enough protection, but what if you were injured or otherwise incapacitated? A tool that requires minimal strength such as a stun gun is a reliable tool for all strength levels.

Until put in the situation, no one can know how they will respond to a threat to their personal safety. A stun gun requires minimal pressure on the trigger and only a short period of contact with the attacker. This ensures that regardless of the situation you will be able stop the attack. Stun guns are also reliable because of their simplicity. A stun gun sends a voltage of electricity through the attackers body that impedes their muscles function. This tool will have the desired effect regardless of the attackers size or the body part that it comes in contact with.

In addition to ease of use and reliability, stun guns are also one of the safest self-defense tools. All models come with safety features to make certain that the tool will not be activated accidentally. The tools are also safe for the attacker because their objective is to give you time to reach safety rather than create permanent damage.

Although very powerful, stun guns deliver a current that is strong enough to immobilize the attacker for a long period of time without leaving permanent damage. A stun gun shock will not harm the heart or other organs, and does not create any other lasting effects.

Now that you know the benefits of this tool, it is time to find a sales provider.

RESOURCE BOX:

BLJ's Enterprises is a top provider of self defense tools, including stun guns, in the United States. At their website, http://www.bljsselfdefense.com, you will find quality products as well as free in-depth information regarding personal protection. Because BLJ's Enterprises is dedicated to matching everyone with the right self defense method, customer comments and questions can be directed to Barry Jenkins himself at barry@bljsselfdefense.com.

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Develop Your Forex Strategy - Every Candle Tells A Story

Ignore candlesticks at your peril when developing your Forex strategy. Candlesticks contain a huge amount of information about the market. Learn to read candlesticks like a book and greatly enhance the profitability of your Forex strategy.

Used by Japanese traders for centuries, the Western world has only recently (since around 1991) become aware of their value due to the work of Steve Nison.

Candlestick charts are now the preferred medium for probably the majority of traders due to their visual impact. Like bar charts, candlestick charts are based on four main pieces of information relating to the timeframe of the chart (15 minute, 1 hour, 4 hour, daily, etc.) - the open and close prices for the timeframe, plus the high and low points during that period:

High

Open

However, by representing this information graphically, in the shape of a candle, the trader is able to absorb a glut of information about a single trading period with just a glance.

So learn to read candles well - your Forex strategy will be more solid as a result.

What's In A Candlestick?

What you can read from a single candlestick?

Certainly not enough to base a trade upon. However, a distinctive single candlestick in conjunction with other indicators can be very significant.

When reading candlesticks it helps to think of the battle constantly going on in the market place between the bulls and the bears. A candlestick will tell you how the battle went during any given period.

Take for example a candlestick on the hourly chart which has a long solid body and very small shadows if any. If the color of the candle is green, or whatever color your charting package uses when a candle closes higher than when it opened, it means either the bulls are in firm control or there was little or no interest from sellers.

If the candle is red, or whatever color your charting package uses when a candle closes lower than when it opened, it means either the bears are in firm control, or there is little or no interest from buyers.

If the solid body of the candle is small but there is a long upper shadow and a long lower shadow, it means during that 1 hour period, the bears took the trade to the lowest point, the bulls took the price to the highest point, but neither could maintain the position so the end of the period is close to where it was at the beginning.

Get a series of those candles and the market is obviously in an indecisive state, or reconciled to trading within a range for the foreseeable future, until a further stimulus comes along, such as a fundamental announcement, to cause price to break out of the channel.

Distinctive Candles You Should Know

Candles come in all shapes and sizes with very distinctive names such as spinning tops, doji, hammers, etc.

Learning to read candles in conjunction with understanding other technicals such as pivot points and support/resistance lines, Fibonacci retracements and trendlines can add real power to your Forex strategy.

Remember, when browsing your charts, every candle tells a story. It's up to you to decipher and interpret the significance. The level of skill you develop in doing so will be a major factor in developing a profitable Forex strategy.

For screen shots illustrating the candlestick examples referred to in this article click here:

http://www.vitalstop.com/Forex/candles.html

For a free candle & chart pattern recognition reference tool click here:

http://www.vitalstop.com/Forex/Candle-Chart-Patterns

For the best free economic calendars plus a free pivot point calculator and Fibonacci calculator click here:

http://www.vitalstop.com/Forex/tools.html