Neil Stelling
110

The law requires you buy auto insurance. So if you must get cover, how can you reduce costs ? Here’s 7 easy ways to get the best possible auto insurance deal.
* Multiple Quotes
Get multiple quotes – use the internet and call a few brokers. It’s easy to gather some good comparison quotes.
Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.
Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.
* Different type of car
Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you’re planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.
Luckily I checked the auto insurance before I bought it, because I couldn’t get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.
* Age and Value of Car
Maybe you’re buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?
A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you’re quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.
* Higher deductibles (excess charges)
Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.
Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !
* Multiple Insurances
I guess this might come under the ‘Get Multiple Quotes’ heading, but it’s still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.
This might mean multiple vehicles, or homeowner and auto insurance. Either way it’s worth asking about multi-policy discounts.
* Low Mileage
More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?
Either way, look for low mileage discounts.
* Good Driving Record
A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don’t speed, don’t drive dangerously, and you’ll save money (apart from other benefits !)
* Bonus Tip
Okay, I said ’7 Ways…’, but here’s some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you’re a college student away from home, consider adding to parents policy.
This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you’ll slash your auto insurance costs.
© DigiLectual Inc. 2004
http://www.autoinsurance–quotes.com/

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Scott Frush
1777
12:30:06

The end of the year is a traditional time of celebration, excitement, reflection and planning ?not withstanding the hectic holiday shopping of course. However, the end of the year also holds another, lesser-known but more significant, importance – the optimal time of the year to complete year-end financial tasks. A new booklet in the Financial Booklets Series from Marshall Rand Publishing reveals the most essential of these tasks.
Managing your personal finances always begins with you. By not completing certain essential tasks, you risk making costly mistakes and placing your financial independence, control and security at risk. The benefits of completing these financial tasks typically include protecting and growing your investments, cutting your tax bill, jump starting your retirement savings, improving your credit rating and reducing your insurance costs.
“The end of the year is not only the optimal time to address all personal finances, but also is the deadline for completing some specific tasks,?says Scott Frush, president of Frush Financial Group and author of 33 Essential Year-End Financial Tasks (available at www.FinancialBooklets.com). “For example, the last trading day in December is the final opportunity to sell losing investments and offset resulting capital losses against existing capital gains for that tax year.?
Here Frush shares seven of the essential year-end financial tasks revealed in his new booklet.
1. MINIMIZE CAPITAL GAINS: Capital gains taxes can significantly reduce total portfolio performance and increase your tax bill. As a result, harvest appropriate capital losses to offset against existing capital gains.
2. REBALANCE YOUR PORTFOLIO: Due to fluctuating market prices over the year, your portfolio and respective holdings may have changed. To ensure that your portfolio remains optimal – or aligned to achieve your goals and objectives – you may need to sell some investments and buy other investments with the proceeds.
3. MAXIMIZE RETIREMENT CONTRIBUTIONS: Consider increasing contributions to your retirement account ?401(k), 403(b), IRA or other, if permitted. The compounding impact from increased contributions will become quite sizable over time. Take full advantage of employer matching.
4. ESTABLISH AN EMERGENCY FUND: An emergency fund is used to protect against a loss of income as a result of layoff, disability or death. As a general rule, your emergency fund should amount to between three and six months of your average monthly expenses.
5. CONSIDER BUNCHING ITEMIZED DEDUCTIONS: If you are close to benefiting from itemizing your deductions, consider “bunching” them in alternating tax years. One year you itemize deductions – and benefit from the excess itemized deductions over the standard deduction – and the next tax year you take the standard deduction.
6. DRAFT OR MODIFY ESTATE PLANNING DOCUMENTS: Having an estate plan (will, living will, trust, power of attorney, etc) is essential for avoiding probate, minimizing estate taxes and ensuring assets go to whom you designate.
7. MAKE TAX-EFFICIENT CHARITABLE GIFTS: Making gifts of highly appreciated assets, namely stocks, can be very beneficial by reducing your tax bill. In most cases, taxpayers benefit by obtaining both a charitable tax deduction and avoiding capital gains tax on the highly appreciated asset.
With the end of the year fast approaching, it is crucial that you address your personal finances and complete certain essential tasks, especially those with deadlines. Remember, managing your personal finances always begins with you.
To obtain your copy of 33 Essential Year-End Financial Tasks, order online at www.FinancialBooklets.com or mail $4.75 to Marshall Rand Publishing, P.O. Box 1849, Royal Oak, MI 48068-1849.

Jakob Jelling
281

Driving without car insurance is illegal in most parts of the world!
Car insurance is one of the most important types of insurance that you can get. If you are going to drive anywhere, then you are most likely required by law to have at least a minimal amount of car insurance. Once you are required to have that minimal amount, you might as well make sure that you get enough insurance to cover most of the possible things that could happen to you or your car while you’re driving.
There are several things to consider when you are looking for car insurance. The first is what amount you’re required to have by law – though usually you will get that information when you register your new vehicle and get your license plate. The second is that you should make sure that you know exactly who needs to be insured for your car.
Essentially, when you insure your car, most insurance policies want to know who is going to be driving it, and what their driving record is like. Then, depending on the driving records of the people you intend to put on your car insurance policy, the price may fluctuate. For this reason, you may want to limit the number of people you insure for your car, or limit who gets to drive it. This is another reason why you should be careful with your driving record. Serious violations can cause your car insurance rates to go up.
Most car insurance companies will give you a quote if you ask, and it is a good idea to get several quotes before you make your decision. Insurance is an important thing to shop around for because there are a lot of different factors that can differ from one insurance company to another.
Luckily, you can even get quotes from insurance companies that may or may not have a branch located near you. Most major insurance companies now have online sites which can give you a quick quote, or can direct you to a live person to get a more in depth insurance quote. If the company does not give quotes through its site, then you should be able to at least find a phone number to call for more information.
While car insurance may be expensive, in the end, it is almost always worth it. Just remember to look at several different companies before making a decision – and think about getting more than just the minimum amount of insurance.

Philip L. Franckel, Esq.
726

I don’t sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker.
Many of my clients who have been seriously hurt in a car accident were struck by someone who had no insurance or only the minimum liability insurance coverage, which is $25,000 in New York and much less in many other states. Unfortunately, many of my clients were sold insurance policies with liability limits of $100,000 or $300,000, but were not sold matching uninsured and underinsured coverage.
Just this week, yet another new client had this problem. My client was a pedestrian crossing the street when she was struck by a car which fled the scene. The driver was caught shortly after leaving the accident, but the owner of the car only has the New York State minimum liability insurance of $25,000 and my client has serious injuries consisting of many broken bones including a fractured arm, leg and skull.
My client owns a car with liability insurance limits of $300,000, but she purchased the insurance from GEICO whose salesperson didn’t sell her underinsured coverage. GEICO does not use independent insurance brokers, but sells insurance directly to consumers through in-house sales agents.
For a small fee, my client could have purchased underinsured coverage of $300,000 which would have allowed her to recover $300,000 for her injuries instead of $25,000. Ironically, she did not need the $300,000 liability coverage to protect her assets. However, since you cannot buy underinsured coverage higher than your liability coverage, I would have advised her to purchase $300,000 liability coverage for the sole purpose of being able to purchase $300,000 underinsured coverage.
I have had many clients in this situation who lost their jobs because of serious injuries and incurred substantial debt. If they had matching underinsured coverage, the additional money available to pay their claim would would be a big help to pay their bills and get their life back together.
Underinsured motorist coverage will pay you money from your own automobile insurance policy if you have been hurt in a car accident by someone who was negligent for causing your injury and who had less liability insurance coverage than you did. Uninsured motorist coverage will pay you when the other car did not have any insurance coverage or the identity of the other car is unknown.
Underinsured and uninsured coverage is inexpensive and usually available in limits that match your liability insurance coverage. It is not available in amounts greater than your liability insurance coverage.
Underinsured and uninsured coverage is so important that a couple of states now require coverage limits matching your liability insurance limits, unless you decline the coverage in writing. Several years ago, I suggested to several New York State senators that they enact a similar law in New York.
I have also seen many clients who were not sold the maximum medical payments insurance, which costs me only $2.01 per month on my car insurance policy. This is particularly important for people who do not have a good health insurance policy. It is also beneficial for passengers who do not have health insurance.
Why should you buy car insurance through an independent insurance broker? The courts have defined the reason. There have been several “malpractice” lawsuits against insurance companies for failure to offer underinsured and uninsured motorists coverage limits matching the liability limits. However, when the insurance company sells directly to consumers, these cases have gone in favor of the insurance companies. The courts found that when a consumer buys insurance directly from an insurance company, rather than an insurance broker, the consumer is only buying insurance and is not paying for advice.
When you buy auto insurance from an independent insurance broker who represents several different insurance companies, you get the advantage of an insurance professional who can evaluate your needs and advise you accordingly. Additionally, only an independent insurance broker can provide you with a choice of insurance companies and premiums, so you get the best coverage at the lowest price.
Whether you buy your car insurance directly from an insurance company or through an independent insurance broker, always make sure that you purchase matching uninsured and underinsured motorist coverage and the maximum medical payment benefits.

Dan Baldyga
45

YOU MUST STAY ON TOP OF THAT HOUND DOG FOR TWO HUGE REASONS: First because that’s the only way to make sure he does his job correctly. If you don’t watch him like a hawk you could end up on the short end of a very long stick! And second, because most Legal Beagles think they’re overworked (if you don’t think so just ask them!) and they incorrectly feel they don’t have the time to spend on your case today, tomorrow or even six months from now. The truth is you’ve signed his Contingency Fee Agreement so he knows you’re in his back pocket and someday, when he decides to make his move, you’re still locked in. Most have convinced themselves they’re too busy to fuss with your case for awhile. Unless you bug them on a regular basis they’ll let years drag on before it gets settled.
If you’ve entrusted your case to one of the larger Legal Beagle dog houses in town (a big mistake) you’ve probably been passed on to a fumbling puppy just out of law school. Huge firms handle thousand’s of top-dollar cases. Yours will be on a slow assembly line with that puppy sniffin?at pant legs and nippin’ at heels, acting as though he knows what he’s doing. You gotta stay close because the youngster you’ve been stuck with has little experience and he usually doesn’t have the foggiest idea how to properly handle your claim.
You must stay active, throughout the whole process, no matter which Legal Beagle you hire. Demand that you receive copies of all correspondence that are sent out on your behalf, request you be copied in on everything sent to your Beagle from the insurance company or its lawyers, and insist on eye-balling the medical records sent to your lawyer (by your attending physician, the hospital emergency room, etc.) to make sure they’re correct. (If they don’t go into detail than the typically sloppy reporting, by attending physicians and other medical people, will be bedding you down with a rattler. If you don’t want to die of snake bite you must return those Medical Report’s to your “doc” and tell him he’s gotta be more specific or you’re gonna end up with a helluva lot less money than you should!).
The only way you’ll ever be sure your Beagle is being straight with you is if you insist on all of the above. Also, if your lawyer knows you’re keeping close tabs on your case, he’ll put it on the “front burner”, keeping it off the “back burner” – - where the majority of his cases are usually cooking – - under a very low flame.
You must know what’s going on with your case at all times and if you’re considered to be a pain in the butt than so be it. Make it known to your Beagle that you’re not going to let your case disappear into a bottomless pit . What I’m telling you here is very simple: Don’t let your case drag on and on. If you stay on top of things it’ll get settled much sooner!
When your medical treatment is finished tell your Beagle and insist that he immediately gather up your records, and organize them into a “Settlement Package”. What I mean by that is, a collection of your medical bills and reports, a list of all physical damages, with a thorough explanation of each, etc. Once done your lawyer should get that into the insurance company’s hands just as soon as possible.
The first settlement offer should be made to him no later than 3 weeks after that “package” has been sent to the insurance company. If it isn’t find out why. Be a pest, call that Beagle and push him. Your case should be settled within 6 weeks. If it isn’t you tell your lawyer, “Sue the bugger’s.” To do that should take no more than an hour or two to complete – - even the puppy can do it. Those papers should be ready in a week. It’s not asking too much for the suite to be filed by the time another week passes. But, this will only happen if your Beagle is humping away and staying on top of things. Lawyers need to be pushed by their clients or they’ll sit on their butt’s doing other “stuff”. Most of them wait forever to move on a case when they could have had the job done in several months.
DISSATISFACTION WITH YOUR LAWYER: “The first thing we do, let’s kill all the lawyers.” Those words, written several hundred years ago by Shakespeare, still sums up the feelings of a lot of people. That’s because Legal Beagle’s don’t bother touching base with their client’s. Telephone messages aren’t answered right away – - sometimes never. The way most lawyers treat their clients leaves them feeling ignored and powerless!
So, what’s the solution? A “Give Him Hell?letter to your lawyer, sent Certified Mail Return Receipt Requested, will get his attention, and in most cases (unless he’s a blazing idiot which some of them are) assure a prompt phone call. The letter should clearly state your complaints, and also your thoughts about hiring a new attorney – - quick like a bunny – - if the necessary steps aren’t taken.
CHANGING LAWYERS: This is a very difficult move so it must be well thought out. The following are some facts you must be aware of:
The new lawyer will ask you to contact the old lawyer telling him to turn your file over. If you have foolishly agreed to pay some of your old attorney’s costs (above and beyond the Contingency Fee Agreement you’ve signed) the two of them will have to work that out. The old lawyer may agree to wait and not be paid his costs until the new lawyer has settled your case, but (and this is usually the way that ball bounces) he may not! If that’s the situation you may have to pony up some big bucks before he turns your case over to the new lawyer.
The new Legal Beagle will want to review the file a soon as possible to determine if he wants to take it on. If it looks like some money can be made, the new lawyer may take it, but that’s a long shot. Why? Because your case has to be an outstanding “goodie?- – with a huge payoff potential for the lawyer’s “Contingency Fee? Both Beagle’s (and there’s no way out of this one) will have to split that fee. If there’s not enough money to go around the second lawyer won’t be interested in taking you case. If that happens, you’re gonna be left with an upset attorney. Chances are he’ll let your case slip into
Limbo for years to come. That’s the risk you take when you try to dump your Beagle. Insurance companies react in various ways to a change in lawyers. They may view the switch as a sign that your case, or you, are a “problem? There’s no doubt that the switch will tell the insurance company something is wrong. If they smell smoke, they’ll suspect a fire is probably blazing. This can result in an increased reluctance to settle. On the other had, the new lawyer may breath needed energy into the case, causing the insurance company to start thinking seriously about settlement – - but that’s a long shot. I wouldn’t bet on it.
THE BOTTOM LINE
Be sure to pick a good Legal Beagle to begin with, because you’re probably gonna be stuck with that hound dog right to the bitter end!
DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor ARTICLECITY.COM make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY TO OBTAIN SAID SERVICES.
Dan Baldyga’s fourth and latest book Auto Accident Personal Injury Insurance Claim: (How To Evaluate And Settle Your Loss) can be found on the internet at http//.www.autoaccidentclaims.com or http://www.caraccidentclaims.com.
Copyright (c) 2003 Daniel G. Baldyga. All Rights Reserved.

Steven Anderson
497

When you go car shopping you are probably dazzled by the sports cars or even the big burly SUVs as well as the shiny colors and whether or not the vehicle is fully loaded. Frequently, you will hear people talking about what car they want to buy and will hear them mention things like leather seats, a great sound system, DVD players and mini TV screens, great rims and other similar features. However, unfortunately, you do not frequently hear people talking about the safety rating of the vehicle and how well it performed in crash tests or if it has recently been recalled. For some reason Americans are more consumed with how comfortable and cool their car is and makes them rather than how safe it can keep them. However, even if consumers are not overly interested in safe cars insurance companies are.
Insurance companies focus on keeping people safe, reducing accidents, and ultimately the amount of money they have to pay out for coverage. So, safe cars are the pick of the litter so to speak for insurance companies. They are so favored, in fact, that insurance companies frequently offer discounts to individuals who buy safe cars resulting in hundreds of dollars in savings each year on premiums. Safe does not mean the car is unattractive or without all the extras you want, so get it out of your head that safe does not equal cool.
And while the trend may not change and people will continue to look for cool cars, they should keep in mind that there are indeed cool cars that are also safe cars. Each year a rating list of the top 25 safest cars is produced and if you are in the car buying market you should definitely take a peak and see if the car you are interested in buying is on that list. If not, check out the other safe cars that did make the list and see if you can find something that is equally cool and considerably safer. The following cars made it on the safe car list and also have some amazing features that will please even the pickiest car connoisseur.
Upscale Cars
If you are interested in and can afford an upscale car and are also concerned about safety, then you should consider the Audi A4 or perhaps the BMW 330i. The Lexus ES300 also ranked high in the crash tests and overall safety in the upscale sedan category.
Small Cars
Small cars that rank high on the top 25 safety car list include the Volkswagen golf and Honda Civic which received the top honors. Another safe car in this category includes the Volkswagen Jetta.
Midsize Cars
Volkswagen also took the top prize in the midsize category with the Volkswagen Passat GLX 6.0. The Nissan Altima and Subaru Legacy also ranked high in the mid size family sedan category.
Pickups
Everyone thinks pickup trucks are safe, however some are safer than others and generally pick up trucks are not as safe as cars. In the top 25 safest cars the Toyota Tundra SR5 4.7, Ford F150 XLT 5.4, and the Dodge Ram SLT 4.7 ranked higher and safer than the rest.
Minivans and SUVs
The minivan and SUV category have an interesting array of really safe vehicles and then some that are hazards to drivers and passengers. Minivans that responded well in the tests include the Toyota Sienna, Honda Odyssey EX, and the Mazda MPV. The safest SUVs include the Lexus RX300, Toyota Highlander, and the Saturn VUE as well as others.
Of course, you could choose to buy a safe vehicle and still be injured in an accident. This is because there is no perfect car that is constructed in a way that it can protect you 100%. However, there are plenty of cars that are significantly safer than others and as a result consumers should pay attention to these cars. Fortunately, some of the safer models are actually very stylish and come with the latest gadgets and features so many people are looking for in a new car. So, no matter if you want the coolest car on the market you can still find one that is rated high in the safety category. Honda, Lexus, BMW, Saturn, Volkswagen, and others all ranked high in their respective categories and are all very popular car models. Also, cars today are significantly safer than they were even 15 years ago and tires are safer as well.
If you buy a used vehicle that is 10-15 years old you can rest assured it will not have the same safety qualities as new cars made today. The reason for this is safety standards were different as well as the technology used to build the cars. As a result, older cars simply are not as safe. The best option for your safety and that of your family and other passengers is to buy a car that is ranked high on the safety list and rest assured that if you are in an accident your car will protect you as much as possible because it was designed with safety in mind. By making safety one of the qualities you look for in a vehicle, even above price or design, you are choosing to protect yourself and your family, which is the best decision you can possibly make. Remember to take a look at the top 25 list before you start car shopping. Not only are the top 25 cars in all categories listed, but some of the worst cars are listed as well so you will know what to avoid. Happy car shopping!

Susan D. Brandenburg
636

While his natural curiosity has often led inventor Frank Miller of Ponte Vedra Beach to research and development, his diagnosis of prostate cancer six years ago added another kind of R&D to his repertoire — resolve and determination.
“I had no insurance when I was diagnosed with cancer,” he recalled. “I was dead broke and nearly dead when I picked myself up off the floor and started researching an idea that had been in the back of my mind for years. I had nothing left but time on my hands and the intense desire to leave something of value behind me.”
Frank’s idea? Inventing an environmentally safe, non-solvent metal cleaner that would work in engines, gear-boxes, transmissions and any type of oil-lubricated equipment.
An application engineer who worked in the printing industry for some 30 years, Miller said he spent much of his career “knee-deep” in petroleum-based solvents used to clean printing presses. He’s convinced that his close proximity to those solvents brought on his cancer.
“I found out that my fellow in-plant technicians nearly all had the same cancer,” Miller said. “It’s the constant eight hours a day, five days a week of solvents getting into your skin and pores that does it, and it’s in the air that we breathe. Solvents do not disappear. When they drift from the printing plant or through the emissions from your car, they hang onto leaves and drop into the grass. They are there forever.”
Physically weak and financially strapped, Miller spent hours at his computer, searching the Internet for the newest non-solvent, non-petroleum chemical technology.
“I was determined to find a formula that would clean metal and not poison me,” he said, “and I found it in Natralube 1006, a natural occurring ester chemical formula developed by the Fanning Corp. With that formula as a base, we developed the pourability that would make the product viable.”
After independent field and emissions tests and receiving U.S. application patent No. 6,544,349 for the cleaner, which he named Auto-RX, Miller arranged with Haviland Consumer Products in Grand Rapids, Mich., to produce and bottle it, set up his Web site and began marketing it over the Internet.
“It was a stroke of genius to sell it only over the Internet,” said Miller’s friend, Michael Camar of Jacksonville Beach. “Frank has complete control over his invention. He answers his phone and his e-mails, fields questions and gives advice one-on-one to customers. That kind of service is rare these days. Frank’s invented the most ecologically safe product I’ve ever seen, and it’s working in engines everywhere from California to the People’s Republic of China.”
Camar and Miller met recently to add a 12-ounce bottle of Auto-RX to the oil in Camar’s 1994 Ford Taurus.
“After 35 years in the operations end of the oil business, I was a skeptic,” said Camar, now retired, “but I’ve watched Frank market Auto-RX and seen the e-mail testimonies pour in, so I had to try it. This old car had some transmission problems, but since Auto-RX went into my transmission fluid, the results have been remarkable. Now, it’s going into my oil. As Frank says, a clean engine is a healthy engine, and since better combustion equals better gas mileage, that’s for me!”
On Miller’s Web site, www.auto-rx.com, and other Web sites frequented by auto enthusiasts, such as www.bobistheoilguy.com, the buzz about Auto-RX is predominantly positive.
“I have noticed an increase that went from 18 miles per gallon to 21 miles per gallon,” wrote Daryl Baines of DeLand. “On my daily commute, coming home tonight, I did tank top up and got 27 MPG versus my normal 24.5! .. . Woo Woo … Snake oil, I think not,” wrote Steve On from Palmdale, Calif.
Frank Nipper of Jacksonville said a lubrication specialist recommended that he try Auto-RX for the rear main seal oil leak in his 1987 Mitsubishi pickup truck.
“It just absolutely stopped the leak,” Nipper said. “It seems Frank has a really effective product.”
“It cost me less per bottle than the present-day cost of a tank of gas, and my engine in my 2002 Chrysler Sebring is worth $6,000,” said John Marchant of Jacksonville’s Northside. “The dealership told me I had sludge in the engine and they couldn’t do anything for me. I put Auto-RX in my oil. My engine is now quieter and running smoother. It’s working.”
After about five years of marketing on the Internet, and the addition of new lines including 3-RX for printing presses and Cycle-RX for motorcycles, Miller recently incorporated his business.
“I just need a couple more years to make my dreams come true and leave a legacy for my four kids and four grandkids,” he said.
“I’ve devoted myself to staying alive and getting this thing off the ground,” he said. “I go in for treatments every four months, work out twice a day, eat a lot of healthy green stuff like broccoli, and take a battery of strong nutrients over and above the chemo. I’m not afraid to die. I just want to die well, knowing that I’ve done something good. I’m praying to God that my kids inherit a company they can be proud of or the money from the sale of that company. Either way, I’ll be in the history books as the guy who did this.”

Tom McKnight
370

Reading auto insurance policies can be like trying to decipher advanced calculus. It’s really not that difficult if you understand a few basic terms.
Collision, Comprehensive, Bodily Injury Liability and Property Injury Liability are the main terms you need to fully understand.
You’ll appreciate Collision Coverage in the event you need repairs or replacements if your vehicle collides with another vehicle or property. The higher the deductible you elect, the lower your premiums will cost you. If you’re at fault for something, well of course it would still be an accident, as I doubt you’d plan to run into that guard rail, but how much would you be able to afford to pay out of pocket for repairs? $250?
$500? $1,000? Just like medical insurance, you’d have to pay that deductible amount first and then the insurance company would pay for the remaining charges for the repair.
Another term to become intimately familiar with is Comprehensive Coverage. This is the coverage that pays for damage caused from falling objects, fire, certain natural disasters, theft and vandalism. Deductibles work the same way as with Collision; the more out of pocket costs to you, the less your insurance premium.
In addition to knowing how much Collision and Comprehensive coverage you have, you’ll want to know about your liability coverage. Let’s say you rear-end another driver. Or your foot slips off the brake onto the gas pedal and you plow down a mailbox. Your liability coverage will kick in and pay for the damages that you caused with your insured vehicle. You liability coverage will, or could, include bodily injury (people) and property damage.
You don’t want to go without Bodily Injury Coverage.
If you were at fault in an accident and others involved needed to go to the hospital and/or lost wages from missing work, those costs would come out of your pocket if you are not insured with Bodily Injury Coverage. It doesn’t take a genius to know how quickly those amounts can add up. This type of coverage can also help you in the event the other party takes legal action against you. Many states require you to carry Bodily Injury Coverage.
The other part of liability includes Property Damage coverage. Can you imagine how much it might cost should you accidentally drive into the side of someone’s home?
You wouldn’t want to be caught without property damage insurance should you need to pay for repairs to another vehicle, building or anything else you might hit. As with Bodily Injury coverage, Property Damage coverage also helps protect you in the event of a related lawsuit.
Every policy will have its limits and various degrees of coverage. It’s important that you understand the basics of what you are paying for and why it is necessary. No one plans for an accident, be prepared!

Maricon Williams
507

Riding is all about passion. Some riders want to explore the mountainous terrains. Some want to conquer the smooth road in a protracted ride. There are different types of riding. And there are different motorcycle and motorcycle apparel. To yield the best motorcycle ride, riders must match their bike and accessories with their skills.
First things first. A rider must choose the bike in harmony with his riding preference. There are lots of bikes to choose from – street bikes, cruisers, vintage, dirt bikes, sport bikes and other bikes. The choice is yours. There are a lot of trusted motorcycle manufacturers where you can choose your bikes. Kawasaki, Honda, Ducati, Harley-Davidson, Yamaha are some of them and there are a lot more manufacturers. Another thing to think of is whether to customize the bike or not. If yes, look for motorcycle parts that can complement with the bike.
Nowadays, it is no longer hard to combine style and performance. For instance, there are elegant cruisers for strolling scenic spots. There are different engine types and power level available. Touring models are made fuel-efficient and powerful. The seats are made comfortable by adding posh adjustable suspension tops. There are also numerous lustrous chrome and paint to choose from. Compartments are also made larger to accommodate greater capacity. Rainy weather is also not a problem because motorcycle stores are offering protective yet comfortable fairing and windshield.
In connection with sleek aerodynamic sportbikes, today’s design and performance will surely captivate every rider’s fancy. They usually have windscreen and detachable saddlebags to add up comfy to riders.
Now that you are knowledgeable of the motorcycle parts and their advancements, the next thing to do is to learn to ride. You can’t be a rider without having the nerve to ride hard and rock the road. Nonetheless, you can’t just mount on your bike and ride on. You have to be a legitimate ride with corresponding driver’s license, motorcycle registration and insurance coverage.
Practice, practice and practice. You can also enroll in a basic rider’s course to be able to learn the techniques of driving. Know your limits. The more learn the more you take pleasure in your ride. If you have any queries about motorcycle parts don’t entertain any qualms and ask it on motorcycle stores pool of experts on motorcycle parts. Enjoy the passion of riding and explore the world of adventure and fun!

Stacey Wilson
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With great pride, Auto Parts Fast announces its new fresh-looking, neatly designed, easy to navigate and secure site. With its fervent dedication to continue to refine its services, this top auto parts store redesigns its former site to give you more satisfying online shopping for high quality replacement auto parts.
Satisfaction ?this is what the store wants you to get ?satisfaction not only with regard to its auto parts?quality, durability and affordability but also when it comes to the manner of purchasing these high quality automotive products. Auto Parts Fast [http://www.fastbodyparts.com]. cultivates a mutually beneficial relationship with auto users by providing the finest quality auto parts including top of the line Toyota parts, Honda parts, Nissan parts, Ford parts, Jeep parts, BMW parts, Mazda parts , GMC parts, Volkswagen parts and Pontiac parts and by providing them excellent customer service, secure online shop and excellent deals.
New to the site are its comprehensive web directory and useful information and links to wide variety of auto resources ranging from specific auto parts information, to top sites on various vehicle makes and models, car enthusiasts and hobbyists?sites, used and vintage auto parts resources, car restoration information, hardware accessories resources and auto insurance.
The newly designed site is hacker-free so you can shop with confidence any time. It is being tested and certified daily to pass the FBI/SANS Internet Security Test. You can see there a HACKER SAFE mark, which means its security meets the highest security scanning standards of the U.S. government, Visa, MasterCard, American Express, Discover and JCB.
Convenience ?this word can excellently sums up everything about this newly designed site. It makes your shopping a lot easier, faster and safer. Available auto parts are easy to locate either by make or by their model year. In just a few clicks, you can find just what you need for your car, sport utility, van or truck. Links to customer service assistants and auto parts experts are also provided to help you in your needs.
All these new features are incorporated in the newly redesigned site to make your online transactions seamlessly fast and convenient. But Auto Parts Fast doesn’t end its services with the new site design. Make it a habit to drop by at the online store to know all its latest deals and exciting new features. Because as the automotive industry grows, Auto Parts Fast just gets better and better.
Knowing how fast changing the automotive industry is, the company does its best to cope with the latest in the industry by upgrading its inventory and catering to a wider range of auto users. Hence, together with the newly designed site, the company improves its list of auto parts, adding parts for hard-to-find premium quality Mercedes Benz parts, Chevy parts, Dodge parts, GM parts, Saturn parts and Volvo parts [http://www.fastbodyparts.com/parts/volvo/].
Over 100,000 quality replacement and aftermarket auto parts are in stock at Auto Parts Fast and soon, Auto Parts Fast will be adding premium quality parts for the latest models, especially its top-notch replacement parts, aftermarket auto parts and car accessories such as the luxurious-looking Toyota tail lights, Ford headlights, elegant Jeep floor mats, tough and stylish Chevrolet wheels, high quality Dodge mirrors, alloy Volvo radiators and sporty Honda wheel covers.
Check out the store’s new design now and find the best replacement parts to make your car more fuel efficient, more powerful, safer, more comfortable and more stylish. At Auto Parts Fast, you always get great choices.