How to Lower Your Car Insurance Rates Online

There are many ways to lower you car insurance rate some a bit more challenging than others. The list below is by no means the only ways to lower your rates, but definitely reflects the most common methods to insure that you are obtaining the lowest car insurance rates online that are possible.

Protect your credit rating: Nowadays, insurance companies will compile an insurance score when calculating your insurance rates. This score is significantly impacted by your credit score. This results in the following formula- the lower your credit score the higher your insurance rates and of course a higher credit score will reflect a lower rate on your car insurance.

Shop Around: This looks simple, but in today's world of instant gratification, consumers are sometimes quick to make decisions and fall for a company's claim of offering you the highest rate. The best way to rate shop is to go online and visit one of those sites that will provide you with quotes from multiple insurance companies and even place them in a graph so you can do a full analysis yourself.

Change your cars drive status: What do I mean? When insurance companies pose the question how many miles do you drive to work and / or school- there is a purpose behind it. The further you drive the more chances you have to get into an accident. Considering that a lot of us are changing our modus operandi to and from work / school due to escalating gas prices (car pools, bikes, etc) -it behooves you – (and of course your premium rate) to inform your company of your change in weekly driving arrows.

Before you purchase that new or even used car look into the insurance costs associated with that vehicle: Your car insurance rates are based on how much your vehicle costs, its safety features (anti-lock brakes, anti-theft devices), its theft record in your city, and even the parts (that revved up v8 engine might come with a higher insurance rate than the v6).

Get Married and / Older: Now this one of those things that just has to happen- but if you fall within the "I just got married" or "I just got older" it is time to do some rate shopping. A lot of insurance companies offer multi-car discounts and without doubt your insurance rates will continue to drop over your lifetime. The older you are the more responsible you are.

Remain Loyal: If you have home owners or rental insurance consider getting your car insurance from the same company. Almost every insurance company will discount your insurance when you carry more than one policy with them

Change your occupation: Now depending on what you do for a living this might be impossible, however a recent study shows that people in more stressful occupations such as (lawyers, company executives, etc) tend to drive while on the phone, drive faster, and are more accident pron. Because of these they have proportionately higher rates than for instance- teachers.

Be a good student: Most insurance companies will discount your car insurance rates if you are in high school or college and you maintain "B" average or better.

Take defensive driving classes: Insurance companies look favorably on those who take the initiative on learning how to drive safer, and they will reward you with lower rates if you do so.

Increase your deductibles: The higher your deductible the lower your rates. Of course a high deductible is no fun if you get into an accident. Do a cost analysis. If your monthly premium on associated with your low deductible is significantly more than your monthly premium with a higher deductible you might be better off and actually save some money with the higher deductible and the lower rate.

Research other available discounts: Each auto insurance company will have its own set of discounts, depending on where you live and of course that particular insurance companies policies.

Trend Watch – Design Inspirations From the Global Traveler

Numerous interior design styles have gained popularity in the past. These include the country, art-deco, modern-contemporary, and minimalist styles, among many others. Owing to the relative advantages that they offer, we can safely assume that these will never go out of style.

Recently, trends in the area of ​​interior decoration have given rise to another popular style, which has been aptly called "eclectic." In itself, the word conjures various images that may be deemed as exotic or unusual. However, in home design lingo, this refers to a design scheme which incorporates multi-cultural elements such as large wood wall art and religious sculptures from Asia, hunting implements and tribal masks from Africa, as well as other design pieces from Europe and South America , among many others. When appropriately used, these accent pieces can collectively give off a global vibe, even if you have not left the continent at all!

This design scheme is ideal for those who want to give their homes a unique, and possibly more intellectual style, such as students, professors, and even world travelers themselves. Certainly, this look is not for everyone, so caution must be taken in incorporating these elements into your home. In order to successfully employ this design scheme, you may want to check out the following considerations.

Your Personal Taste- This is the most important factor that you must consider. The eclectic style must complement your personality and lifestyle. If your interests fit well with the eclectic design aesthetic, then feel free to experiment and incorporate these design elements into your home. For example, you can hang an intricate carved wood wall art featuring a Chinese theme on a prominent section of the living room. Otherwise, you may start with small pieces that can serve as accents. For example, two or three Japanese Kabuki masks which colors pick up the other colors of the room can be hung on the walls.

Location and Design- These are also important considerations to help you place the correct design piece in an appropriate place in the house. Traditional landscape paintings can be placed in the dining room, while hunting implements can be displayed in the den or the library. At the same time, wall art, such as plaques or bas reliefs, may be used in the foyer, in hallways, or in the kitchen. It is also important to take note of cultural considerations in deciding on which areas of the house these design pieces will appear.

Theme- The running theme is also an important consideration to help you maintain the consistency of the overall look of your home décor. Collections are usually effective in presenting a theme, but do remember to use one focal accent piece. For instance, a large wood wall art featuring a Buddha, can serve as the main piece and will then be echoed through various pieces in the home. Complementary pieces may include a collection of miniature Buddha sculptures on the mantelpiece or prints in the dining room.

Remember, if you are unsure, it is a good idea to start with small pieces first and then gradually expand your collection and design pieces to create a truly unique look.

Best Natural Supplements For Kidney Health

What are the kidneys and what do they do?

There are two kidneys, one on each side of the body. They are about the size of a small cup and each one has a tube that leads to the bladder. The kidneys serve a very important function in your body. They are like the body’s filter system. It helps to recycle minerals, as well as to concentrate and dilute mineral salts. When waste collects in the body due to an improper diet, not enough water, or excess alcohol, the kidneys can become inflamed. Kidney stones and other kidney ailments will result.

Because the kidney acts like a filter for the body it is imperative that you cleanse it and keep it clean. If you keep the filter in your refrigerator, furnace, and car clean, then you need to pay twice as much attention to your body’s filter. One thing that you can do to keep your kidneys clean is to cut out sugary drinks and sodas and drink plenty of water. You can also add supplements to your diet to keep your kidney healthy.

Supplements for Kidney Health

Vitamin A Aids healing kidney and urinary tissue.

Vitamin B6 Reduces kidney stones.

Vitamin C with Bioflavonoids Inhibits stone formation.

Vitamin B Complex Helps reduce stones.

Calcium Aids mineral use.

Zinc Decreases stone formation.

Herbs for Kidney Health

Catnip, Gingko, Goldenseal, Horse Radish, Juniper Berries, Kelp, Lobelia, Marshmallow, Orris, Parsley, Spirea, Uva Ursi, and Wild Yam

Foods for Kidney Health

Alfalfa, Aloe Vera Juice, Apples, Apricots, Asparagus, Cantalope, Carrots, Cranberry Juice, Garlic, Lemons, Limes, Melons, Pumpkin, Squash, Sweet Potatoes, and Yams

It is also a good idea to drink plenty of water to keep your kidneys flushed out and you should add trace minerals to your daily routine. With regular use, most people see an improvement in kidney health in about 3 to 6 weeks.

Discover Why Audience Response Systems Add Value to Conferences and Events

During the ongoing 'Credit Crunch' corporations are under pressure to cut their conferences and events budgets. What they save by reducing the size of the stage or by going to a cheaper venue should not affect the basic content of the day or the goals for staging the event in the first place. Audience response systems (ARS) are always often cut in the budget review but this can be a big mistake as they can add tremendous value by giving tangible results and feed back from delegates attending.

ARS can show whether or not the key the aims of staging an event have been met or not, the use of an audience response system can then reveal any sticking points. This allows your event to measure its effectiveness during the day and give evidence of its success.

Audience response can also maximize an events time by asking delegates which themes are of most interest so allowing you to apportion time appropriately. It costs a lot to get every one in one place so it makes sense to ensure their time together is as productive as possible.

Using these kinds of systems also sends a clear message to the attendees, and that message is 'we are listening and your opinion is valued'. Presenters in the dreaded post lunch grave yard slot will appreciate the regenerative powers of asking a flagging delegate a question on which they need to ponder before responding. ARS has been proven to increase retention on the subject polled and certainly your chair person will marvel at ARS's ability to break the ice during Q & A sessions and promote delegation interaction as they begin to discuss options with their neighbor so leading to improved networking. Asking the post event evaluation questions at the end of the last session will save your staff days of data input from a paper based questionnaire.

So how do they work? In its basic form an audience response system enterprises of a display, to allow the presentation of a question and a range possible options / answers, and a 'keypad' to allow the delegate to select the option / answer which best matches their opinion, with the results of the poll being displayed immediately after the close of the voting time (about 10 seconds). The equipment is usually radio based and wireless so allowing free distribution among an audience. Some systems also offer the ability to communicate directly with the presenter through the 'free text submission' of questions so allowing the delegate to ask their own question, or submit an idea, rather than just responding to pre determined options.

All in all if the budget is being trimmed it pays not to cut the one item that can prove the days effectiveness and show value has been obtained for the spend. If you are still looking for ways to save, go for the cheaper dessert option, cut the sparkling water and have a smaller lighting rig.