How to Save up to $1100 Each Year on Homeowners Insurance

You've heard about ways to save money on homeowners insurance before. Shave a little cash here and a little there and you've lowered your premiums. Is it really worth the time and effort just to save a few bucks? How much can you really save? Well, that depends on a great many factors such as the home, where you live and how far you are willing to go to save money. If you take a few minutes to read through this article, you can learn some great tips for how to save up to $1100 each year on homeowners insurance.

Home Safety and Security

Home safety and security are important for not only the safety of you and your family, but also for lower rates on your home insurance. Safety and security are tied to a few basic things: fire, theft and vandalism. Homes that have more safeguards in place qualify for lower rates. That means smoke alarms, fire extinguishers, sprinkler systems, deadbolt locks, outside lighting and a security system can all pay for themselves through lower homeowners insurance rates. It can also be helpful to have a neighborhood watch. It helps build community relationships, guards against vandalism and theft, and can reduce your insurance premiums with some companies. Not only do these things pay for themselves and more over time, but they keep you, your family and your home safe and secure.

Reinforce Your Home Against the Elements

If you live in areas that are at a high risk for certain perils such as hurricanes, tornadoes and earthquakes, you will pay more for your homeowners insurance. However, there are things you can do that will help you save money. Storm shutters are an affordable option to begin the process. It can also benefit you to have a roofing contractor consult with you on what exactly you can do to reinforce your roof. If in an earthquake prone area, you will want to make sure your home meets or exceeds building codes for structural strength. A strong home can better withstand a natural disaster. It may take upfront money to get your home up to the level it needs to be, but it will pay off down the road with cheaper homeowners insurance rates and a reduced likelihood of having to pay that deductible to repair your home.

Take Advantage of Discounts

A great way to increase your savings is to understand what it takes to get as many discounts as possible on your policy. Some companies offer as many as 40 discounts for policies that range from a few dollars off per month to 25 percent off your premiums. There are discounts for:

• Bundling auto and other policies with your home insurance

• Specific occupations

• Retiring

• Staying loyal to your insurance company

• Marriage

• Paying premiums in full rather than installments

• Having premiums deducted from bank account

This is a short list, so take a few minutes to look through a couple of insurance company websites to see a complete list of the specific discounts they offer.

Pay Attention to Changes in Your Life and Environment

Changes are constant and they can have an impact on how much you pay for your homeowners insurance. It's not up to the insurance company to keep up with these changes; it is up to you to inform them of these changes. Even changes you may not think important to your homeowners insurance may lower your rates. For instance, if you get married, your rates may drop. If you change jobs to one that garners a discount, tell your insurance company immediately. If a fire hydrant is placed closer to your home, your rates can drop. If you switch from well water to municipal water, you may get a discount. If a fire station is built closer to your home or goes from volunteer to paid, you can save money.

Online Price Comparisons

Saving money means finding the best bargain. How can you do that without comparison shopping? Luckily, you can now comparison shop online. This quickens the process and gives you more options for comparison. When shopping, be sure you are looking at respectable insurance companies with a strong history of good customer service and a variety of policy offerings. To find the best price among the strongest candidates, get online quotes. Quotes will provide you with the prices you need to make a comparison and find the biggest savings.

You can use our free rate quote tool to get as many as 10 or more quotes in minutes. The more quotes you get the better. Yes, by doing the things mentioned above and comparing rates, you can save as much as $1,100 on your homeowners insurance. http://www.homeownersinsuranceaxis.com/

EPROMODA FASHION FILMS

As Spain’s # 1 makeup and fashion school with locations in Madrid and Barcelona, EPRO has now also recently launched their very own fashion club titled EPROMODA which is quickly making a stand on the online makeup and fashion marked.

It makes perfect sense really that EPRO branches out in this direction as they for over 5 years now have trained and graduated thousands of Online makeup artist, fashion styling and fashion design students, both in English and in Spanish. The more amazing factor is that the students are drilled in a manner that allows them the same exams level and certification at the end of study as their in-house students in Madrid and Barcelona gets.

EPRO states the following about EPROMODA: “The videos, articles and tutorials have a mission of staying true to the expectations of our fans and readers, and will always seek out to use new and fresh models who´ll be given a great opportunity to start their career. EPROMODA understands their fans and students need for high-end fashion that is also doable and approachable and therefore strives for a commercial fashion look that will inspire, motivate and illuminate the days of our readers and viewers. “- And to be quite honest- they do exactly that!

The videos are great, professional and the makeup is technically amazing- but what is even better is how user-friendly they are. We have all seen hundreds of artsy fashion films, that are great, but it doesn´t necessarily give direct inspiration to something a makeup and fashion lover or professional can or would do themselves…

The videos, articles and tutorials´ variety are also a great plus as it caters for every taste, color and facial structure. They don´t always choose to use super polished models which is very admirable as it gives fashion a true face- finally! As far as we can tell, there is no Photo Shop used either (!) and the looks are very straight forward and easily explained without skipping a step just to appear simpler.

So there you have it EPROMODA- so far so good and we´re excited to see the coming stuff you´ll create for us! www.eproimagecourses.com

Launching of a New Internet Concept: A Video Blog Society!

If you missed out investing in eBay, Google or Facebook, then you have another chance to a ground floor opportunity to invest in a brand NEW concept that will hit the internet soon! Investors are now being sought to buy a USD$100 “Royalty Certificate” for VIBLOS, a video blog society!

our video in Youtube: http://youtu.be/rVaoXjcsZq4

The goal for launch is 10,000 investors, but once at least 5000 investors have participated, the internet website will go live in the Fall of 2012. After pledging your USD$100 by credit card, it will be on file until at least 5000 investors have signed on before processing.

www.thousandsofpartners.com

Concept: Allowing people, from all over the world and all walks of life to promote their own personal 1-minute videos. They can be informative, show talents and/or advertise a service. Exposure on the WWW or World Wide Web (aka Internet) will be extensive, resulting in satisfied people and more users. Advertisers will be drawn to the site and revenues will be generated. Investors will reap the rewards of sharing 30% of the net profit. Not bad for a USD$100 investment!

The motto of this video blog society will be “Thousands of Partners Worldwide,” and the team and groundwork is in place. It is now up to YOU, to help supply the funds needed for promotion and marketing costs. It will be an important concept to whet the public’s appetite and set some anticipation for this NEW concept! Remember all the advance publicity about “the information highway is coming?” before the WWW launched!

The team behind it all: Bettina, Beat, Andre, Carlos and Adroit Computing represent an international gathering of talent. This team includes a marketing and communications expert, a WEB service hosting provider, a financial advisor and a web designer! Adroit Computing, based in Austria will provide programming, developing, design and consulting services. All they need now is YOU!

The Viblos team.

A tale of shock! The doctor scammer who treid to cover up a murder on Google and Rip off Report!

Today I am going to share a story that might be kind of disturbing to you guys. It was disturbing for me the first time I heard it. But I think the story has an important message that we need to spread and raise awareness about.

In September 2007, young mother Krista Stryland went in for a liposuction procedure at the Toronto Cosmetic Clinc. She would never return. Turns out, the "surgeon" that performed the procedure on her, was not a surgeon at all. The doctor had no surgical experience, no surgical accreditation. She removed too much fat and fluid from Krista, way more than what is allowed. And, after the procedure, she only spent 30 seconds evaluation Krista's condition before going ahead and moving on to another patient.

Dr. Behnaz Yazdanfar has been stripped of her licence to practise medicine for two years and indefinitely banned from performing surgery on her own following the 2007 death of Krista Stryland

At her hearing, it was noted:

"“She operated on patients who should have had their procedures done in hospital,” the ruling noted. “She did larger operations than she should have done. She discharged patients inappropriately. These errors in judgment spanned her practice and were not isolated events.”

What happened to Krista? She died. What happened to Krista's little boy? He has no mommy. What happened to the doctor? Umm. She was stripped of her medical license for two years. She can apply for her license to be reinstated after a year, and even then, she can still be a surgical assistant.

Ridiculous.

So, when Krista's friends and families tried to spread the word to warn others about this doctor's actions... Allegedly, the doctor's office revenue plummeted... So what was the doctor's office to do?? They hired someone to HACK sites like Ripoff Report to remove these reports and silence victim's families. I find this to be horrible!

I can't believe that this site and this man would consciously remove the reports that were warning others about this!

I find this very disturbing and I wanted to share this story with others so that you can be informed about this type of hacking and that it does in fact, exist.

Have you ever heard of something like this? Please share in the comments if you have.

via Flipoutmama.blogspot.com

Anonymous bloggers identified and postings deleted from the Internet.

http://www.ripoffreport.com/organized-crime/matthew-cooke/matthew-cooke-removeyourname-9086b.htm

Ripoff Report Special Investigation : Reputation Management companies billing themselves as ‘Internet Bounty Hunters’ with the ability to identify anonymous bloggers; posters and close the free flow of information, if you pay their fee$. There is a reason that the right to free speech is in the First Amendment, and not the Second, Third, Fourth, etc

Tired of Ebay and Amazon then try this it works!

Tired of Ebay and Amazon then try something else. I LOVE selling things and I know most of you love buying things. We are a perfect match.I started selling online about 3 years ago. I'm a medical contractor so my job involves traveling around the US at various hospitals working on 8-13 week contracts. I have been gone from home as little as 2 weeks to as much as 11 months. I never really know how long I'll be gone on an assignment. I got into selling while I was on the road. When you're on the road in a strange town it's sometimes hard to find things to do.

I always had my laptop with me so it was easy for me to connect with my friends far away. One day someone suggested that I try selling on E-Bay. I listed a few items and they sold so I had a few extra dollars in my pocket. Anyone who sells on E-Bay knows what I mean by a "few" extra dollars. By the time Ebay took out their 15% and Pay Pal took out a few more dollars, I didn't make very much but I still liked the idea of selling online. So it didn't take me long to leave Ebay. Next I tried Amazon.com but I didn't like the idea that they took 15-20% and also kept my money until the buyer was satisfied which left me to pay for everything upfront. After selling on Ebay I already knew that no buyer is ever satisfied. So you can guess how that ended up.

I then started looking around and found some really great sites that were "seller friendly" and "computer user" friendly. They have low fees and allow you to sell almost anything without limitations. The sites make it easy to list your item (with no listing fees) and the percent that they take is much lower than Ebay or Amazon. Also a couple of sites allow you to copy your items from one site to the other (even import your Ebay listings). They actually do all the work for you all you do is press the importer button. How great is that. You can link your account for free to Twitter and Facebook so you can tell all your friends about what your are selling. Over the last few years many of these websites offer loyalty incentives for you to shop on their site. You can collect Photons, Addoway Bucks or Reward Tokens. You can get these by interacting with other sellers on the sites. It's kind a like and interactive Ebay without all the drama. Many time the items that you list will show up on the first one or two pages of Google. People can go directly to your store without logging into the website which makes buying a lot faster and hassle free. Check out the site listed on this blog page and see if this is something you would like to do. There are many sites like these out there with more popping up every day. The best sites are the ones that connect to social networks because that's the place to sell right now.

Check out my Booth on Bonanza.com at http://www.bonanza.com/booths/kumdo

Happy Blogging and Have a Great Day !!

Number of Ayurveda Health Schools is Growing Fast

What is Ayurveda? Might be the first question to ask when coming across this title. Ayurveda is an ancient old traditional health method from India. Ayurveda was introduced nearly 3500 years ago.

The original words come from the Sanskrit language and ware a combination of the word ayus meaning longevity or long life and the Sanskrit word for science or knowledge, veda. Any part of this very traditional way of life and alternative way of healing is aimed towards prolonged life cycles.

The knowledge coming from the Ayurveda tradition is healing and soothing in many ways. Medication other than natural is not possible. Ayurveda natural medication is ayurvedic medicine.

Training Ayurveda
In a healthy body lives a healthy mind. Training and nourishing the body with the best ingredients will ultimately mature the senses and stimulate the body to produce healthy body cells. Ayurvedic medicine only enhances the body’s functions to perform to the best of its abilities and beyond.

Practicing the healthy ayurveda lifestyle extends the body’s life cycle and increases achievements. The ayurveda lifestyle can be trained and is taught at many ayurveda schools around the globe. The last few years many countries have seen an increase in ayurveda school facilities. The rise in interest in this ancient way of life has dramatically increased which causes the increase in school facilities.

Ayurveda Traditions
The ayurvedic medications find their roots in folklore and religion however the modern versions have changed over time, and often a more pragmatic approach has been taken.

Ayurveda beliefs lay in the facts of balance and equilibrium. When balance and harmony can be found the body systems will be in a state wellbeing. Wellbeing will inspire the body to perform to the top of its abilities. It will also promote an increase in life energy.

Ayrurvedic medicine is potent to bring these energies together and cure the harmful elements from the human body in order to restore the body’s balance. Ayurvedic medicine also can restore and increase body energy in order to perform beyond one’s capacities. Strenght and ability will increase and brain power will force the body to enact upon tasks ahead.

Ayurveda schools can be found all around the globe, and schools are opening up to more and more people. mankind has been seeking for a long time for alternatives to chemical medication. The trust in millennia old traditional ayurvedic medication grows by the day.

http://www.ayurvedaacademy.com