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Cheap Auto Insurance

Get Cheap Auto Insurance For Your Teen Son

11:03, 2008-Jan-10 .. Link

Get Cheap Auto Insurance For Your Teen Son
By Sher Matsen Platinum Quality Author

Your son has just obtained his license and with that a new found sense of freedom. Now you ask how to get cheap auto insurance for my son ? Car insurances can vary dramatically in price so read on to learn how to buy car insurance that is affordable for your teen drivers.

Because teens lack driving experience insurers consider them a high risk to insure and thus the premiums assigned are much higher than an adults insurance rates would be. There are a few things you can do to help reduce the rates you pay for your teen drivers.

First you need to stress to them how important it is for them to keep a clean driving record. That means driving safely – no speeding tickets, no traffic violations, and no accidents. Over a period of time there safe driving will be rewarded with lower premiums.

You can also reduce their rates by purchasing insurance with a higher deductible. The higher the deductible is the lower the premium is.

If you are going to be purchasing a vehicle for your teen choose a vehicle that is built well with extra safety features, and do not choose a vehicle that falls into a sports class or higher risk rating class. Be sure to check the class the vehicle falls into.

The graduated licensing laws have come into effect in most states in the USA and some provinces in Canada. The rules will vary from one location to another but the basic underlying philosophy is to restrict new drivers by limiting what their license will allow them to do.

They may be issued a full auto license such as a class 5 but there is usually a letter designation behind it to indicate they are a new driver. These new drivers have nighttime driving restrictions, vehicle occupant restrictions, and a 0 alcohol tolerance restriction to name just a few. They will also be required to take an additional test after a specific period of time to remove them from the new driver programmer.

But you’re still wondering where to get cheap auto insurance for my son? Teenage drivers can dramatically reduce the cost of insurance by purchasing a stand alone policy from an agency that specializes in providing teen insurance. A stand alone policy means they are not added as an additional driver on your insurance but rather carry their own insurance.

These insurance companies reduce their risk for insuring teens by placing certain concessions on the driving habits of them. They may require driving school, no driving after dark, or various other restrictions which allow them to keep the premiums lower for teen drivers.

The statistics for teen drivers aren’t good. A 16 year old driver is 10 times more likely to get into an accident than an adult between the ages of 30 and 59, so you can see why insurance companies are hesitant to provide good rates.

The best thing you can do for your teenager and his or her insurance rates is to teach responsibility and make them accountable. Make them earn your trust for the use of the car, and make them accountable to pay at least a portion of their insurance premiums. They can do this by working a part time job which also breeds maturity, so it’s a win-win all the way.

You and your teenager are thrilled with the new found freedom for both of you. So now you need to do your homework and research teen insurance rates so you can get them on the road. What are you waiting for?

Sher Matsen has been serving customers for over 20 years as a freelance writer and has been offering information and advice to the consumer. To find out how to save on your auto insurance Please visit us at The Auto Center



Car Insurance Rates - Can You Lower Them?

03:11, 2007-Dec-5 .. Link

Car Insurance Rates - Can You Lower Them?

  by Peter Crump
 

Car insurance rates are prohibitive nowadays. Many families really struggle to pay the car insurance bill each month. And car insurance rates vary all the time. So if car insurance cost is an issue for you, what can you do about it?

The car insurance industry is a massive industry. It is also a highly competitive one, and car insurance rates vary over time as car insurance companies compete for business. Car insurance rates are often highly fluid.

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It is entirely possible to lower the cost of your auto insurance rates by altering your behaviour, and you can do this by having a better understanding of how the rates are assessed.

Car insurance rates are based on an assessment of risk. Whilst insurance companies vary their rates to compete with other insurance companies, they also vary their rates based on their assessment of the risk posed by a particular driver driving a particular car. They do this because there is no point in buying business with low car insurance rates and then insuring high risk drivers at these rates. This is a recipe for losing money.

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So, if you lower your risk, you lower your car insurance. How do you lower your risk? Well there�s a number of ways that your own driving and car behaviour can affect your car insurance rates.

Have a look at the car you drive. Is it suitable for your current needs? If not then would it be worthwhile to consider a change?

Different cars attract different auto insurance rates. Sports cars, high powered cars and cars at greater risk of theft attract higher rates. How long have you had your car and would it be wise to think about another one that would be cheaper to insure and more useful to you?

Are you a safe driver? Do you stick to the speed limit? Are you at risk of other driving offences? Many people do not think about some of the consequences of speeding tickets and driving offences until after they have seen their subsequent car insurance bill.

Your risk profile is a direct result of your driving record. A clean driving record and you will be rewarded by cheaper rates. A poor driving record and you will be penalised, usually for quite a while.

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Are you willing to attend driver training courses? Many car insurance companies offer specific discounts for drivers who have attended a course. Why? Lower risk.

Are you willing to drive less? Could you car pool or use public transport to get to work? Car insurance companies look at the amount of driving their clients do when assessing their car insurance rates. Why? Lower risk. Less miles driven equals less risk. And you�ll save on other car costs too.

So if auto insurance costs are an issue for you and your family there are things you can do. These are just a few of those things, there are many more. Car insurance rates are not set in stone.


About the author: For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers at http://www.car-insurance-answers.com/ and find out about Car Insurance as well as Cheap Car Insurance at http://www.car-insurance-answers.com/cheap-car-insurance.html and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.



Cheap Insurance - Ten Tips

05:26, 2007-Nov-12 .. Link

Cheap Insurance - Ten Tips

by Steve Gillman
 

Cheap insurance? Auto insurance, life insurance, health insurance, liability insurance - whatever type of insurance you need, you can buy it for less. Try the following:

1. Raise you deductible. Why have a $100 deductible if a $1000 deductible won't break you? It may hurt to pay the first thousand someday, but what if meanwhile you saved several thousand? High deductibles mean lower rates. Of course, get quotes with various deductibles, to be sure you're saving enough for the higher risk.

2. Lower your coverage. Insurance agents secretly admit that people usually get sued according to policy limits. You'll be sued for more if your limit is a million than if it's a hundred thousand. A judgement beyond the policy limits is a scary thought, but this can happen no matter what your limits are. If you don't have many assets or much money in the bank, consider lowering your coverage to save money. Get quotes first, of course, to see how much you'll save.

3. Lower the insurance company's risk. Using seatbelts, not smoking, and having alarm systems can mean cheap insurance. Ask your agent about any discounts that are available.

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4. Use an independent agent. Why limit yourself to one insurance company? Independents can show you the cheapest policy regardless of which company it's from. Just check a rating service to see if the issuing company is financially solid, especially when buying life insurance.

5. Drop your insurance. The insurance companies will hate me for this one, but consider eliminating some coverages. You need liability coverage on your car, but collision coverage on a $2000 car doesn't make sense. Invest the money elsewhere, and take the $2000 loss once or twice in your life, or maybe never.

6. Buy stocks instead of insurance. If you and your wife both have good incomes, it probably makes more sense to invest your money than to buy life insurance. If loved ones have enough income or assets, life insurance premiums are usually wasted money.

7. Get rebates. Some states that allows "rebating". California law, for example, allows agents to rebate part of their commission to you. If you live in a non-rebating stae, find a California company online!

8. Get the legal minimums. If you have no assets to protect, ask for state-mandated minimums on auto liability policies. Most companies give you their higher, more expensive "company minimums" if you don't push the point.

9. Review your policies. It is common for parents to still pay for health insurance coverage on adult children long after they are working and have their own coverage. See what other unecessary coverages you may be paying for.

10. Get several quotes. For cheap insurance, compare quotes from several companies, and ask about different policy options. One more thing: take notes.


About the author: Steve Gillman has been studying every aspect of money for thirty years. You can find more interesting and useful information on his website; http://www.Everything AboutMoney.info



Insurance 101 - Undermining America for the Good of Americans

01:46, 2007-Nov-10 .. Link

Insurance 101 - Undermining America for the Good of Americans

by Nola L. Kelsey and August K. Anderson
 

Insurance is like a myth. From one small seed of truth, a fairytale the size of 1000 giant sequoias has sprung up. Reality is blocked from view. Surely, you've noticed all the giant, sequoia-like buildings are owned by banks and insurance companies. Where do they get all that money? How much money do the executives make? Who pays for it all? Grab a mirror. "Magic mirror on the wall, who's the biggest sucker of them all? What's that you said? The Masses!"

Insurance is yet another unquestioned social reflex. You just buy it. You must. The banker insists you have to purchase insurance or you don't get the loan. Your government orders you to buy auto insurance at any cost. Hence, it must be really good for you. Hell, why not stock up on some of the non-mandated insurances as well? You can't have too much of a good thing. Can you?

Somewhere in the dark, murky corners of our minds we hide our thoughts. Like The Emperor's New Clothes, no one screams out, "But he has nothing on!" or "Hey, this is just bullshit!" You are not alone in the darkness. We all think it. So you are no longer scared to speak, here are some of those secret thoughts voiced out loud for the first time:

1) If I speak out against insurance, I will be jinxed. My home will surely burn to the ground and I will look like a moron.

2) If I speak out against insurance, some pecker-head who heard me will have an accident and sue me because folks are not responsible for their own choices.

3) Insurance is betting against myself. Why would I bet against me?

4) If insurance companies must charge such high premiums because they're losing so much in payouts, how do they afford all those big buildings?

5) What do insurance companies sell? Air? Promises they intend to deny via small print? Contracts? Wouldn't I rather buy an IHOP franchise with that money?

6) If government represents the people, why do they make me, a people, a criminal when I cannot afford auto insurance to get to work and feed my family?

7) How much in dollars and perks do insurance lobbyists put into the pockets of politicians?

8) Do I really need trip-cancellation insurance? Why would I buy a dream trip, and then bet on my canceling it at the last moment?

9) If I put all the money I spend on insurance into the bank or toward building success, how much money would I have for coping with my problems on my own terms?

10) If I buy the extended warranty, will I remember I have it or be able to find it when my widget explodes?

11) Shouldn't companies make quality widgets that last three years in the first place?

12) And finally, did Jennifer Lopez really insure herself for hundreds of millions of dollars? What? She is already rich. The agent who sold this policy is phenomenal.

Yes, we all know the system is way out of hand! The blame lies with insurance companies, greedy bankers, spineless politicians and with the Masses unquestioningly supporting these absurdities. Every frivolous lawsuit provides government an excuse for mandating people be protected from themselves via costly insurances and removal of individual freedoms.

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Before long, we will be required to carry Coffee-Burn riders on auto insurance and Cell- Phone-Earring-Tear addendums on HMOs. These days Sleeping Beauty would have sued the castle owner (a.k.a. Dad) for that prick on the finger, lost wages from the coma and for trauma from the scar. Uninsured sewing needles would be outlawed throughout the kingdom.

With a system this out of control, how do you protect yourself? You cut the fat. Quit betting against yourself. Think about all those different types of insurance. Stop buying out of reflex and decide for yourself what you can kick to the curb. Consider the variety out there and what you truly must have.

Life Insurance is for betting you will die such a loser that you can't pay for your own funeral or leave your kids any inheritance. Extra Car Insurance-How much you betting that you will crash? Not to mention, homeowner's, mortgage, trip cancellation, emergency evacuation, unemployment, boat, credit card, business interruption, earthquake, disability, dental, smoker, expatriate, backpack traveler, winter sports, flood, warranty and health insurance. The list goes on.

Here is a new monument to the ludicrous: Terrorist Insurance. It's even pushed at Art Gallery Owner's in isolated communities of the Northern Great Plains. And, why not? No doubt Osama is crouching in an Afghan cave right now, plotting to rid the world of those pesky Remmington Cowboy bronzes.

Insurance agents prey upon these new fears like snakes on wounded mice. Apparently, companies want to terrorize you into buying coverage. Another possibility is a rebel SCUD aimed for Mount Rushmore may slam into a Canada Goose and go askew. It sucks when this happens! No doubt your goat ranch in Chug Water, Wyoming is in eminent danger from this likely chain of events. Perhaps, you should add a specific 'Unpasteurized-Cheese Addendum' to your Terrorist Policy. Call your agent today and ask them. See if they will sell you one.

The odds of you dying of a mosquito bite are better than the odds you will die at the hands of a terrorist. Well, crap! The government better permit companies to require we all carry Mosquito Insurance. Maybe you can get a DEET discount! Better still; why not turn over all our bothersome responsibility, like freedom and privacy, to the Feds. Then good ol' Uncle Sam can protect citizens from the winged menaces that haunt our very souls.

Congress could raise taxes to fund Bug Inspectors. Their job would be to comb through your private life, home and property looking for freestanding water. They would not look for anything else (roll eyes here). Still cancer and glaucoma patients might want to keep the baggies away from the birdbath.

Speaking of cancer, the Air Force could spray us all from above with a perfectly "safe" mixture of insecticides called Agent Tan. Coincidently, that day your governor vacations far away. Is there anybody in his or her right mind who would elect an insurance salesman to public office? Of course, both politicians and insurers are selling you hot air, so perhaps it is a match made in H...

A very few insurances are worth buying, such as liability insurance for cars and real estate. Once you have something to lose, it's a sure bet some lazy troll with an entitlement-mentality will try to sue you. In this case, you want the giants on your side. Insurance companies provide lawyers to run evil little trolls back under their bridges.

Insurance prices in America are out of control. The wide range of insurance the bureaucracy would have us believe we cannot live without is genuinely insulting. Buying all the coverage companies would have you believe you need wastes thousands of your dollars each year. Look over policies and eliminate what you can. Insurance is just legalized gambling. If you are betting against yourself, how can you take a gamble on yourself? Pursue your dreams instead!

About the author: The preceding is an excerpt from the book Keeping the Masses Down. Satirist Nola L. Kelsey (http://www.NolaKelsey.com.) is the coauthor and "primary scribe" of this twisted political satire. August K. Anderson, a former lawyer, long time CEO of Golden Quest Enterprises (www.chevalinternational.com) and one of the country's top equestrians, is the primary political force behind Masses.



Alcohol and Motorcycles

04:42, 2007-Oct-25 .. Link

 

 

Alcohol and Motorcycles
 by: Steve Caskey

 


In the last twenty years, the legal system has created serious consequences for anyone driving under the influence of alcohol. However, the idea of driving a motorcycle under the influence is even more dangerous for a number of reasons.

First, it's more deadly. Riders do not have the advantage and security of a metal cage a vehicle offers in the event of a crash. In fact, the National Highway Traffic Safety Administration (2003), motorcyclists are about 26 times as likely to die in a traffic accident. It's clear why, it's the reason you love to ride, no restriction, open road. But it's also no air bags, no safety features, and open concrete with vehicles all around you.


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Second, motorcyclists were more likely to be intoxicated than any other driver, the highest of any type of vehicle. Motorcyclists had the highest rate of alcohol use among all vehicle types in crashes, motorcycles counting 37 percent, next to passenger cars at 27 percent, and sport utility vehicles at 27 percent.

Lastly, operating a motorcycle requires much more coordination than driving a passenger vehicle. Your reflexes are slowed, your vision is impaired, and you are less coordinated.

For all of the efforts of law enforcement, the National Highway Traffic Safety Administration, and motorcycle groups themselves to lower the incidence of riding while under the influence, the amount of motorcyclist fatalities rose from 1998 to 200, after it had been declining from 1993 to 1997.
 

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Additional efforts are being made to reduce the number of accidents related to riding and alcohol use. This includes making people aware of the risks and having them take responsibility for themselves and others on the road.


 

 

About The Author
An avid motorcyclist for over 35 years riding all different types of motorcycles, dirt bikes, sport bikes, cruisers and touring bikes.

Visit us at http://www.keyleather.com

 



Cheap Car Insurance for Young Drivers What To Look For

02:36, 2007-Oct-15 .. Link
Cheap Car Insurance for Young Drivers What To Look For


By: Elizabeth Newberry
Most young drivers have the option of obtaining car insurance through their parents car insurance policies. This is a great option as car insurance rates for most all drivers are based on age, years of driving experience, and driving records.

Yet, many young and new drivers need to search for car insurance elsewhere, as not all young and new drivers can obtain car insurance through their parents car insurance policies. This can prove to be difficult as young and new drivers do not have age or driving experience on their sides, meaning their car insurance rates are usually higher than older, more experienced drivers.

Still, it is possible to find cheap car insurance for young divers. Below are four factors to consider when looking for cheap car insurance for young drivers.

1. Age requirements. Find a plan that specifically offers cheap car insurance for young drivers. For example, some car insurance providers target young female drivers age 17-years-old and older and young male drivers age 19-years-old and older.

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2. Discounts. Many car insurance companies will offer certain discounts for young and new drivers. When comparing car insurance providers, ask about such discounts.
3. Immediate coverage. You do not want to purchase a car insurance policy that is not going to be in effect right away. Make sure to ask the car insurance agent if the plan will begin immediately, or if there is a waiting period.
4. Flexible payment options. Not all drivers are going to be completely financially stable; especially new and young drivers. Try to find a car insurance provider that will sympathize with your needs and offer you a grace period when it comes to payments.

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With all the concerns young and new drivers already have (buying a car, practicing driving, learning the rules of the road, driving responsibly, car maintenance, etc.) finding cheap car insurance for young drivers does not have to be one of them.



Visit our website to get an instant auto insurance quote, to get a Massachusetts home owner insurance quote, or to get a free car insurance quote.



Free Money Saving Auto Insurance Tips

07:38, 2007-Oct-11 .. Link

By Tim Gorman

Our money saving auto insurance tips were written for one reason - To Save You Money on your next auto insurance policy. Since in most states you are required by law to purchase a minimum amount of liability coverage we've looked for ways to save you money. Additionally many people want more than just the bare minimum in order to provide themselves with adequate protection.

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The top two biggest money saving auto insurance tips are to first shop around. There are numerous providers of insurance and generally speaking you can save a great deal of money on your policy if you take the time to find the right provider.

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The second biggest tip to lower your rates is to simply raise your deductable. In some cases you can reduce your annual premium by 10 percent or more if you increase your deductible by a few hundred dollars. USE CAUTION HERE: You want to make sure you can actually afford the amount that you raise your deductible to or you're no better off then before.

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Additional tips include eliminating certain types of coverage from your current policy and reducing the amount of coverage you currently have. Generally this is up to each individual based on thier needs, wants and desires. You may want to consult an insurance agent before making any drastic changes to your current policy.

Other factors raising the cost of your policy include the amount of mileage you drive annually and the type of vehicle you own and operate.

Did you also know that where you live can determine rates and keeping your car in a garage can lower your rates. Cars parked in garages are less likely to be stolen, vandalized, or struck by other vehicles. Using a garage to store your car may entitle you to a slight premium reduction.

If you have multiple cars and drivers then you could qualify for a multifamily discount. Sometimes your children's insurance premium can be lowered based on their school grade point average.

Other discounts may be available if you meet certain criteria. Examples may include discounts for taking a defensive driving course, being a AAA member or staying with the same auto insurance company for a number of years. These discounts vary by company.

Finally try using an anti-theft device. This helps to reduce your insurance cost.

Thanks for taking the time to read our money saving auto insurance tips. We hope our free tips and save you some of your hard earned cash.
 

About The Author

Timothy Gorman provides more insurance information and free money saving insurance quotes that you can research in you pajamas on his website: Best Free Insurance Quotes.

Article Source: http://EzineArticles.com/



Hot Auto Insurance Topics

01:43, 2007-Oct-5 .. Link

Hot Auto Insurance Topics

 

Seat Belts Make Auto Safety a Snap

What auto device is simple to use, takes just a second to snap into place, and saves thousands of lives each year? Seat belts of course – probably the single most important tool you have to keep safe while driving.

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Top Ten 4th of July Driving Tips

When many people think of the 4th of July, they think of America’s independence, cook-outs, family gatherings, road trips and fireworks. But what most people don’t think of is road safety. With July 3rd and July 4th being two of the deadliest days to drive, Insurance.com is reminding all motorists to drive safely during the upcoming 4th of July week.

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The Consequences of Not Having Auto Insurance

When young adults graduate college they have aspirations of starting their first “real world” job, getting their own place and buying a brand new car – one that does not need a screwdriver to start. However, college students are also graduating with much more than just a college degree and a dream, they are graduating with a substantial amount of debt.

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New Car Insurance Costs

More to the sticker price than meets the eye!
Buying a new car can be a very exciting and overwhelming experience. Sorting through options
, makes, models and features is enough to make your head spin. Not to mention the financing and car insurance costs. However, being prepared before you shop can help make the buying process quicker and easier for you!

Identifying the ideal car for you.
Before heading out to the car dealership
, make a list of what you are looking for in a new car. As you are writing the list, think about the same concerns a car insurance company would consider when quoting you a rate, such as:

  • How do you use your car?
  • How many passengers do you typically carry?
  • How often do you drive your car?
  • Where do you drive?

These factors will help you pinpoint the best car for you, while also helping to potentially keep your car insurance premium down.

Features to consider before you buy.
Make a list of all the features and options that are important to you
, such as head and leg room, transmission type, engine, trunk size, airbags, security system, anti-lock brakes and other safety features. Car insurance companies often give discounts for some of these items; saving you significant money on your overall quote.

Also, check out auto manufacture's websites. Many have special pages that let you "shop" for your dream car - giving you the opportunity to select the features that are important to you, while also providing you with the true cost of these "extra perks."

The cost.
Before you buy you should always factor in all costs involved with buying a new car
, including sticker price, gas, maintenance, financing rates, taxes and car insurance.

How much you pay for your car has a powerful effect on your car insurance premium. A luxury car with all the latest safety features will typically cost more to insure than a no-frill economy car, due in part, because the higher-priced car may be more expensive to repair or is more likely to be stolen.

Yet some cars do consistently get better deals on car insurance rates than others. For example, a $14,000 Dodge Neon costs about the same amount to insure as a $34,000 Volvo XC70. According to Edmunds.com, the Dodge Neon would set you back an average of $4,410 in premiums over five years, while the Volvo would cost $4,605.

Why, you may ask?

The Volvo tends to receive a bigger insurance discount because it inflicts less damage to other cars in an accident, suffers less damage, has a lower theft rate and protects its passengers better in an accident.

According to one national insurance provider, the Dodge Neon does worse than the average car in all three categories, equaling the reason why it costs so much to insure.

Do your research!
Not only do you need to look at what your new car has to offer
, you also need to do some background research as well.

Car insurance premiums are based partly on the price of the vehicle, which affects the replacement cost if it is stolen or "totaled" in an accident. How expensive the vehicle is to repair - including parts and labor - can also impact your insurance rate. In addition, surcharges may apply to vehicles that are frequently stolen or involved in accidents.

To find out if that next dream car might be more than you bargained for, visit Highway Loss Data Institute's website. Here you will find industry-wide information on injury claims, collision repair costs and theft rates by vehicle model.

Comparison shop before you buy.
Before you make your final decision
, visit Insurance.com's auto quote comparison tool to find the best car insurance rate. There, you'll be able to compare car insurance rates from up to 12 insurance providers, helping you save time and money on your auto insurance.

Presently, Insurance.com offers consumers comparative car insurance quotes in every state except Massachusetts, Alaska and Hawaii.

 



Your Family is an Organization

10:05, 2007-Oct-5 .. Link

 

 

 

Friday, October 5, 2007

Your Family is an Organization

It is good to remember a family is an organization. In fact, it is the basic organization of society. This is just one of the reasons I am such a proponent of family meetings. You wouldnt think of running a successful business without a plan, goal setting meetings, team building sessions and clear missions and expectations. As such, everyone in the family should have an equivalent of a job description. Each persons job description helps him define his roles and responsibilities in the family.

Just like in the workplace, the clearer the job description and the more input is solicited from the participant, the more ownership is established. If you have ever worked in a workplace where no one knew what their job was day to day and rules were arbitrary, you will recall how chaotic and frustrating it was for everyone.

The following information on structuring a family council has been compiled in part from information contained in The Parents Handbook by Dinkmeyer & McKay, as well twenty five years of personal experience.

WHAT IS A FAMILY COUNCIL?

A family council is a regularly scheduled meeting of all family members. Its purpose is to make plans and decisions, to provide encouragement, and to solve problems. It is very much like a team building or staff meeting held in the workplace. Plans and decisions made during a family meeting remain in effect until the next meeting.

FAMILY MEETINGS PROVIDE OPPORTUNITES TO:

Be heard
Convey positive feelings about one another
Give encouragement
Distribute chores fairly
Set goals for the family unit and assist in personal goals
Express concerns, feelings, and complaints
Settle conflicts and dealing with recurring problems
Plan family recreation
Have fun

 

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GUIDELINES FOR EFFECTIVE FAMILY MEETINGS;

Establish a specific weekly meeting time.
Rotate chairperson and secretary.
Establish and stick to time limits.
Make sure all members have a chance to offer ideas.
Encourage everyone to bring up issues.
Dont permit meetings to become gripe sessions.
Distribute chores fairly.
Plan family fun.
Use your communication skills. Use I statements
Evaluate the meeting.
Maintain an atmosphere of mutual respect and honesty.

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A TYPICAL AGENDA FOR FAMILY MEETINGS

Share positive feelings about good things that have happened during the week.
Read and discuss the minutes from the previous meeting.
Discuss old business. Evaluate how assignments went for the week.
Bring up new business (focusing on family fun as well as on plans and problems).
Summarize and evaluate the meeting.

Agreements as well as logical consequences for not following through with assignments should be discussed and agreed upon by the family. All members should be encouraged to participate in family meetings as equals. Family meetings are essential if families want to build strong relationships.

Good luck and God bless. You do the most important work in the world.

2007 ArtichokePress.com

 

 

 

 

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AVG

09:15, 2007-Oct-4 .. Link

This is a fast and reliable trojan remover that detects and deletes trojan horses using port-, registry- and disk-scans. It includes over 7,700 signatures. Scanners, Resident Shield, and Email Scanner in one. Every month you can also download the latest update file for your AVG installation free.

 

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Chris Wiles, 21 Sep 2007

The word 'free' often equates to an inferior product but, in this case, there is no doubt that this is a professional product.

Split into three sections and a Control Centre, AVG Anti-virus protects against viruses in a number of key areas. The Resident Shield works in the background and checks all files and file types (including floppy disk, CD content etc.) for viruses, whilst the Email Scanner works with Microsoft Exchange and Outlook.

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The Boot-up Scanner operates at start-up, and checks the most important areas of a PC before you begin to use it. Every aspect of AVG's virus protection can be configured using the Control Centre, which allows you to modify a number of program settings and to schedule scans, among other things.

When installing there's an option to create a rescue disk for use should any of your key system files become infected. All crucial areas and files on a PC are backed up, and can be restored from this disk.

 

 





8 Things You Should Know About Auto Insurance

09:05, 2007-Oct-4 .. Link

8 Things You Should K

now About Auto Insurance

 

Insurance.com reports that annual car insurance rates continue to decline.

Based on data from the lowest average auto insurance rates viewed by almost 700,000 car insurance consumers on the Insurance.com 2007 platform through June, auto insurance rates are continuing to decline from Insurance.com’s 2006 Auto Insurance Pricing Report. “So far in 2007, we have seen a 1% decrease in car insurance rates from 2006,” says David Roush, CEO of Insurance.com. “The national average premium in 2006 was $1,916, in 2007 that average has dropped to $1,896 – a modest decline but a nice reprieve considering the rising cost of gas.”

Some states where drivers benefited the most from the 2007 decline were North Carolina, who paid an average of $1,945 for car insurance – a 16.2% decrease from 2006 and Arkansas, who paid an average of $1,907 – an 11.1% decrease from 2006.

 

8 Things You Should Know About Auto Insurance

 

Dealing with the ins and outs of auto insurance can be as tricky and confusing as trying to untie the Gordian knot. Although we can`t help you with the knotty Gordian problem, the following recommendations could help you figure out some of the more complicated points of auto insurance.

 

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1) Determine appropriate coverage.
Help control the price you pay
, just ask American Insurance Association executive Dave Snyder. For example, Snyder notes that half of your auto insurance bill covers liability and "that has to do with how you are going to use the vehicle, such as for commuting to work and your driving record. If you`ve got a clean driving record, you figure to pay less for insurance than you would if you had a speeding ticket on your record. You can control the other half of your premium which covers damage or loss to your vehicle, comprehensive and collision coverage."



Music Downloads

08:43, 2007-Oct-3 .. Link

 

 

Which Music Download Service is Best?

ExtremeTech,  April, 2005  by Dave Salvator

MP3 technology was the catalyst to one of the biggest revolutions in the media business in nearly 30 years.

When cassette tapes became popular in the late 1970's and early 1980's, the music industry did the now-familiar Chicken Little dance about its way of life being destroyed. The industry quickly co-opted that threat, turning albums on cassettes into a very lucrative business. In the mid-80's, CDs promised superior quality at lower prices, but we wound up only getting the better quality. Consumers never got the promised price break—album prices continued to climb. Those chickens would come home to roost soon enough.

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In the late '90s, a confluence of the Internet going mainstream, widespread broadband connectivity, and greatly improved compression technology all gave the slumbering music industry its rudest awakening ever. MP3 music tracks became freely traded around the Net like so many baseball cards to the horror of the record industry. Worse still, the industry had no good legal alternative to offer the listening public. The original Napster MP3 sharing application was at the vortex of this storm, and the recording industry's attack dog, the Recording Industry Association of America (RIAA), went on the offensive.

It's taken the music industry the better part of ten years to finally devise some legal alternatives to the P2P file-sharing networks, and now there are well over a dozen online music services legally offering a wide range of genres to satisfy most musical palettes. Aside from one service's downloads being three cents cheaper than the next, what sets them apart? Which one gives you most flexibility about how you enjoy your music? And which one really gives you the most of what you want for your money? Continued...

 

 

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Power Sites 1

01:18, 2007-Oct-3 .. Link

Auto Insurance Background

By: Gregory Mamnya

Auto insurance is a form of insurance aiming to cover the insured party against losses related with owning or driving vehicles. These could be car accidents and damages related with it to other cars and property, loss to car passengers, and damage to car owners itself.

There are numerous insurance companies offering auto insurance policy with their own cover schemes. Hence the real problem is to find out the best suitable provider which suits you the best. One of the basic things to be taken into consideration is the type of coverage you need.

Liability insurance is one of the most common types of auto insurance which is compulsory for all drivers it will cover up to its stated amount if accident caused harm to some others body or property and the driver of the vehicle was found to be liable for the accident. The auto insurance company will cover the injured accordingly to your insurance policy. But if the driver is injured in the accident he will not get any coverage.

But if the driver has comprehensive insurance it will cover also the risks to him and his own vehicle. This second popular type of auto insurance is called as the Full Insurance.

Before you purchase an auto insurance policy it is better for you to consider some important aspects. One of the best ways to take a look at the status of auto insurance companies is by checking out online company reviews. Study the auto insurance policies to compare their rates before selecting a particular offer which suits you the best.

There are numerous websites offering instant auto insurance quote comparison services helping in the selection of the particular insurance provider.

Another important source of information is J.D.Power and Associates providing insurance companies rates according of variety of coverage, rates, claims processes, and customer service.

The financial strength of the insurer could be checked out by ratings from A.M./Best and Standard and Poors, which determine an insurance companys ability to pay claims. It is the fact that most well-known insurance carriers are considered to be financially more reliable.

Finally, if you pay close attention to above pointed ways chances are good for you to find a good insurance coverage.

Gregory Mamnya

Your Independent guide to Wawanesa Insurance.

Wawanesa Life Insurance, Auto Insurance, Property Insurance and more at Wawanesa Insurance website.

Article Source: http://EzineArticles.com/?expert=Gregory_Mamnya

Copyright © 2006 - new.com - All Rights Reserved.

 






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