Category: Financial Planner

5 Things You Didn’t Know Affect Your Auto Insurance Rates

by

Jordan Rocksmith

Most people understand that a bad driving record tends to increase your auto insurance premiums. That’s one of the many reasons why it makes sense to avoid getting caught speeding or causing a car accident of any kind. But did you know that there are at least 5 other things that affect auto insurance in Massachusetts or wherever you live?

Your Age and Marital StatusIt may not be fair, but married people really do get preferential treatment when it comes to insurance rates. For some reason, your premium will go down after you get hitched to your partner. It could be that married people are considered to be more responsible in general by the insurance company, but nobody really knows. While lower insurance premiums are a nice bonus, that doesn’t mean you need to get married tomorrow.Age is another tricky business with insurance companies. You don’t want to be too young or too old. If you’re under 25, then your rates will probably be fairly high, especially if you’re closer to the age of 16 than 25. On the other hand, once you hit the big 50, then your insurance rates might go up because you’re considered a higher risk behind the wheel. Does this always make sense? No.Your Home AddressPart of your insurance premium is supposed to cover your losses in case of theft or vandalism. That’s why it matters where you live (and sometimes even where you work). Moving down the street will probably not affect your rates, but if you move across town, you might see your rates increasing or decreasing.The difference is especially noticeable when you move to a different state. In addition, there are some cities that are more expensive than others (and not just for car insurance).Your Annual MileageThe more you drive, the more wear and tear is put on your car. But insurance companies aren’t necessarily worried how long your car will last. Instead, the increased mileage just increases your chance of getting into an accident. This is logical. The more you drive, the more likely you are to get hit or cause a crash.If your annual mileage changes dramatically, then you need to let your insurance company know to keep your coverage current and up to date. Your Insurance StatusYour car insurance policy doesn’t necessarily have anything to do with your other insurance policies, but your insurance status can affect your total premiums. For example, if you purchase homeowner’s and car insurance from the same company, you can often get a discount. And if you already have health insurance, then you may be able to deduct that coverage from your auto insurance to lower your total premium.Your Credit ScoreTechnically, there is no relationship between your credit score and your auto insurance rate. But unfortunately, the two are tied together. If you have a very low credit score, then your car insurance premiums might increase. If your credit score is good, then you have nothing to worry about.How to Get Great RatesIn order to get better car insurance rates, you have to be a savvy shopper. By combining insurance policies together that you’d be getting anyway, you can often realize significant savings. Before you move to a new neighborhood, you can get insurance quotes. This might even give you an idea of how safe the neighborhood is.But the biggest determining factor when it comes to your auto insurance in Massachusetts or wherever you live is the type of car you drive. A newer, more expensive car is going to cost more to insure than an older vehicle. Therefore, you should always get a quote before you buy a car.

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5 Things You Didn’t Know Affect Your Auto Insurance Rates}

By Guy Long

Working your muscles against a force of resistance, simply known as resistance training, helps develop the strength and size of your skeletal muscles. It uses the force of dumbbells, barbells, weighted bars and weight stacks to oppose the force generated by large muscle groups through eccentric or concentric contraction.

Resistance training helps add muscle mass to your body, improves the strength of your muscles, increases the size of your large muscle groups and improves your performance. These exercises demand you to supply your body with protein, amino acids, carbohydrates and vitamins on a regular basis. Protein and amino acids make the structural core of the human body and they are required for growth and repair of tissues. Moreover, amino acids help in the transportation of oxygen and nutrients. Carbohydrates help replace the glycogen after hard resistance training exercises, which gives muscle tissue energy and lean mass.

Protein-rich foods include lean meats such as chicken, fish and turkey, nuts, whole grains, yogurt, fortified cereals and pulses. You should get the recommended daily allowance of carbohydrate from the brown rice, potatoes, sugar beets, sweet potatoes and fortified cereals. For vitamins and minerals, consume fresh fruits and green vegetables on a regular basis. Drink plenty of water daily to detoxify your body.

Many regular gym users love to train their biceps as large and muscular biceps are seen as a symbol of strength and power by others. There are numerous resistance training exercises that target specifically the biceps. Among those exercises, Side Hammer Preacher Curl is a magnificent resistance training workout that defines your biceps. This exercise also targets the side of your bicep.

This exercise is known as Preacher Curl because you perform it on a preacher. In order to start this exercise, you need to grab a dumbbell in your hand and place that very arm on the preacher in a diagonal direction. Next step is to bring the dumbbell down and then raise it up to complete one rep. Make sure that you perform 3 sets of about 10 reps each. Now, switch to your other arm and repeat the same process.

When you bring the weight up, make sure that you squeeze the inside of your bicep to put maximum stress on the muscle. It is also important that you flex your bicep when you bring the weight down. Control the movement of the dumbbell and maintain a steady posture. Make sure that you don’t jerk the weight as doing this can lead to a severe bicep injury.

If you are not sure about how to perform the Side Hammer Preacher Curl, then you should look for the services of a professional gym trainer in your vicinity. This would help you reap the maximum benefits from the resistance training exercises as a fitness trainer will carefully monitor your technique and will guide you on how to execute exercises safely. Moreover, he or she will suggest you a right combination of resistance training exercises keeping in view your weight-training objectives and body needs.

About the Author: Guy Long is a

Personal Fitness Trainer in Elsternwick

and runs

Health Clubs in St.Kilda

where he specializes in resistance training, body transformation, weight control, and overall muscular strength for local residents.

Source:

isnare.com

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By Elizabeth Chastain

Every little girl goes through a phase where she dreams she will become a ballerina! The little girl under the spell of ballet will wear her tutu everywhere and pirouette instead of walking. Reality drifts away as she schemes of running away to join the New York City Ballet! Take advantage of visions of “The Nutcracker” and dreams of “Swan Lake” dancing in her head. Use her obsession to throw her a ballerina party she will never forget!

A ballet party is a cheap, easy way to let her and her friends live out their dreams of dancing on stage (and it’s much safer than setting a 6-year-old loose in New York!)

Location Options

To plan a perfect ballerina party, one must first decide on a location. Though home is the cheapest place to throw a party, the mess that 20 children can make will require a professional cleaning technician! The lower stress solution is to either have the party outside or rent a space. Because the theme is ballet, one should look into possibly renting an auditorium. The children will feel like real dancers while eating cake and playing party games on stage! Some budget-cutting schools are renting out their auditoriums on weekends to make up for the financial short fall. These auditoriums can be rented for as low as $100 per day, and janitorial service is included!

Another option is to rent a banquet hall or party room. The ballerina party is a popular theme, so the party planner should check around the area to see if any party companies offer ballerina party packages. Such packages usually include tutus, cake, and a choice of entertainment. If one decides to have a backyard party, a Plan B should be in place in case of bad weather.

A tarp or portable canopy should be set up to protect the little revelers from sun, wind, or rain. Be prepared to move the ballerina party to the basement or other indoor area if severe weather strikes.

Ballet Costumes

For low-cost party outfits, a simple tutu can be made from a stretchy cotton headband and colorful scarves. Make sure the headband is big enough to fit around the waists of all the little girls. Two headbands can be hand sewn or glued together for bigger waistlines. Secure the scarves to the headband using simple hand stitches or craft glue.

Cake Ideas

An additional important aspect of a successful ballerina party is a beautiful cake! The cake should probably be pink, and very feminine! Think sparkles and ballet shoes! One can easily make a beautiful cake with a mix, canned frosting, and ballerina-themed cake decorations.

Game Ideas

Be sure to play famous ballet soundtracks in the background to set the mood. Games should be simple, like pin the tutu on the ballerina or a ballet-themed version of Mother-May-I would be perfect! Most of all, one must make sure the children are safe and have fun!

A ballerina party can be the perfect way to spend an afternoon with a gaggle of little girls. A solid plan ahead of time will avoid any major mishaps!

For more ballet party ideas to help you create interesting invites, delightful ballet-themed decor, fabulous foods, and great games to entertain your prima ballerinas, you will want to click on the link below.

About the Author: Explore these fun

Ballerina Party

ideas, along with many others, by visiting

birthday-party-ideas-101.com

, a party planning website written and edited by a Professional Organizer. This informative website provides great information to help you plan a successful party.

Copyright: You may freely republish this article, provided the text, author credit, the active links, and this copyright notice remain intact.

Source:

isnare.com

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isnare.com/?aid=787120&ca=Entertainment

The continuing legal education deadline for many California attorneys is rapidly approaching. Celesq® AttorneysEd Center can satisfy the MCLE requirements of CA attorneys with programs in Ethics CLE and Specialty Credits (Substance Abuse and Elimination of Bias, which are mandatory MCLE in CA), as well as programs in Litigation, Trial Skills, Intellectual Property Law, Corporate and Securities and White Collar; Employment and Labor law; Executive Compensation; Estate Planning and Asset Protection; Privacy and Data Security; Technology Law and Cloud Computing; and more. Celesq®, a State Bar of California approved MCLE provider, offers MCLE online as well as MCLE on CDs.

Recent and upcoming programs for California:

Celesq®’s CLE programs are currently available online and on CD directly from Celesq® or will be available shortly after they are produced. Details can be found at on our website.Some currently available and upcoming programs to satisfy the continuing legal education needs of California attorneys are:

• 2156 The Ethics of Legal Outsourcing.
• 2144 Ethical Considerations for Attorneys in the Course of E-Discovery.
• 2160INS Claim File Documentation with an Eye towards Litigation: Ethical Issues for Insurance Company Lawyers.
• 2158 “Horse-Shedding” the Witness: When Does Witness Preparation Cross the Ethical Line? (after 12/21).
• 2211 How Following the Rules of Professional Responsibility Can Lessen the Burden and Cost of E-Discovery (after 1/11).
• 2202IP Ethical Issues in IP Practice-2012, from the Celesq®-West LegalEdcenter IP Master Series (after 1/12).
• 2109 Strategies for the Elimination of Bias in the Legal Profession and Creating Law Firms Where Everyone has a Chance to Succeed-2011 Update and New Ideas.
• 2068 Steps to Eliminate Bias in the Legal Profession by Understanding Bias and Gender Communication Differences.
• 2072 Substance Abuse in the Legal Profession: Prevention-Detection-Treatment (Substance Abuse in CA; N/A for CLE credit in NY or NC).
• 2145 Effective Trial Opening Statements: Avoiding the Perils and Overcoming the Fears.
• 2146 Keys to Dynamic Direct Examination at Trial-Telling the Story in a Compelling Fashion.
• 2147 Cross Examination at Trial-Picking Your Fights.
• 2148 Closing Arguments at Trial-Pulling the Theme Together.
• Cloud Computing 2.0: Advanced Seminar on Drafting and Negotiating Cloud Computing Agreements (2125).
• 2131 Litigation Holds: Translating Legal Developments into Practical Tips.
• 2135 The New ADA Regulations: Managing Legal Exposure.

Article Source: sooperarticles.com/education-articles/mcle-california-attorneys-including-cle-online-cds-ethics-cle-specialty-credits-804548.html

About Author:

Celesq® is an approved provider of CLE in a number of states, and its online programs and CDs are accepted or eligible for CLE credit in others. For example, Celesq® is a State Bar of California approved MCLE provider; an Accredited Provider in the State of New York (certified by the New York State Continuing Legal Education Board) for the period July 1, 2010 through June 30, 2013; an accredited sponsor, approved by the State Bar of Texas, Committee on MCLE; and an Approved Sponsor of continuing legal education in the State of Colorado, and its programs are accepted for credit in Colorado. (Many of Celesq®’s programs are specifically approved for Homestudy credit in Colorado.Author: Dr Rendon

By John Velazco

On more than a few occasions you need to suppress all your cravings in the last week of the month due to lack of cash. Cash allows you enjoy all the moments in your life and there should be no hurdle in enjoying those moments of life due to cash shortages. Cash advance loans help you enjoy all the moments of life. Cash advance loans can be applied for within minutes and are processed in a couple of hours and cash is deposited into your bank account within 24-hours.

Cash advance loans are provided for a short duration of time in the middle of month for that reason; they are called interim loans. Cash advance loans are provided for 7 to 21 days. The only difference between usual loans and Cash advance loans is that they are provided in time at whatever time you want them. Cash advance loans do not take a great deal of time for processing. Interest rates differ in accordance with lenders.

Interest rates are somewhat high for that reason; you are required to be sure to repay the loan in specific time given that you will be charged with late fees and higher interest rates, if you do not pay on the dot. Cash advance loan lenders provide amount from $100 to $1500. Another thing that makes these loans superior to others is that you do not need to declare the cause behind borrowing the loan. You can spend cash whichever way you like.

Cash advance lenders request the borrower to fill a simple online form to gather a few personal details with reference to the borrower like name, address, phone number, bank account number, employment and so on. Lenders often look for an active checking account just about three months old for the reason that lenders deposit the cash by means of electronic transfer into the borrowers account subsequent to the processing. Then again, cash is electronically pulled back into the account of lenders the moment the paycheck is credited into the borrower’s account. Cash advance loans are unsecured payday loans hence, lenders request the borrower to provide with employment details to make out if borrower has the capacity repay the loan amount or not. The loan amount that is lent to any borrower relies on ability of the borrower to pay it back.

You meet the requirements for cash advance loans regardless of whether you have got an excellent credit record or bad credit record. Lenders do not carry out credit checks for borrower’s credit record this as well save time and cash advance loans are provided faster than other type of loans. Borrower is required to be of 18 years or more of age and should have a stable job with steady income to meet the criteria for cash advance loans. Take care that the lender you apply with is not sham, therefore you must ask other borrowers who have taken services from the said lender. That apart, still if you do need cash as quickly as possible, submit an online application for cash advance loans and get relieved within hours.

About the Author: John is an expert in the field. For more information on cash advance, and online cash advance loans Please visit: http://www.advanceloan.net/

Source: isnare.com

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