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The insurance industry and market has certainly come a long way. It has changed now and the number of auto insurance brokers/agents offering different car insurance policies, best auto insurance quotes, and lowest car insurance rates is increasing. The best way to get auto insurance is to look for the best auto insurance quotes both offline and online.

Because the Internet has revolutionized the way people communicate and the way businesses market different products and services, it’s easier for us today to find the best auto insurance quotes.

The process of purchasing car insurance policies has never been easier now that we have the Internet. It has made the process of purchasing car insurance faster and easier. Within minutes, you can obtain the best auto insurance quotes. Discussed below are the ways to obtain information on car insurance using the Internet as an effective tool.

1. Look for best auto insurance quotes to find lowest car insurance by visiting different companies’ websites. Most auto insurance companies these days run their own websites as they have low cost compared to running an office. There are many auto insurance providers and brokers these days that are very dedicated in giving you information on the various services they offer.

2. Use online comparison tools that are available on the Internet. The good thing about this online comparison tool is that you only not get best auto insurance quotes these tools are also free. You don’t have to pay anything for it because they make money when you have purchased a car insurance policy. All you have to do is to provide them the necessary information for these tools to generate the best auto insurance quotes and they will handle the rest.

3. Using quote generation tools provided by auto insurance companies in their respective websites is also an excellent way to get the best auto insurance quotes. By using these tools, you will save a great amount of money, time, and effort that you would have normally spent when visiting agent’s office.

The Internet is a very convenient tool in finding the best auto insurance quotes. The auto insurance industry has evolved ever since the Internet was invented that many people nowadays are relying on it to find the lowest rate auto insurance. To find best auto insurance quotes, don’t forget to compare them so you get the best deal.

The average price for gap auto insurance sold by an auto dealership or finance company is $578.

Q. So why would anybody in their right mind pay $500 more they should?

A. They dont know any better.

Imagine youre in a car dealership and youve just purchased a brand new car. Youre sitting there with a self satisfied smile on your face that lets everybody in the showroom know you just brought the salesman to his knees with your finely honed negotiating skills.

Next you go see the finance person to arrange a loan. This is where youre casually informed that if you wreck your beautiful new car during the next year or two youre going to have fork over maybe five grand because the car will be worth that much less than what you still owe the bank.

Lucky for you the finance guy has a tailored made solution to the problem. For a measly $578 one time fee you can purchase a gap policy that protects you from a potential shortfall, up to $5,000, if you owe the bank more than the car is worth when that bus hits you.

Of course youre going to say “sure, go ahead” because youre afraid of losing your shirt and, by the way, did I tell you the premium could be rolled right into the loan?

On one hand, youre relieved to know the value your asset is protected, but on the other hand youre asking yourself why it had to cost so much.

Well, it doesnt. But who knew that there was even such a thing as gap insurance much less how much its supposed to cost. The problem is not with you, but with the major insurance companies and their brokers.

The reason you dont hear anything about gap from your insurance agent is that it isnt exactly a big money maker. With an average gap endorsement costing around $35 a year, there isnt a lot of profit incentive to buy 30 second spots on American Idol.

Besides the price, theres another difference between the gap insurance sold by a car dealer and the policy rider sold by a name brand gap insurance provider. When you buy gap from a major insurer you can cancel the rider as soon as the loan balance and value of your car reach parity usually within the first two years of ownership.

With dealership gap insurance, the coverage is spread out over 60 months and cannot be canceled for a refund whether you need it or not.

The PBX auto attendant is the vital component of this sophisticated phone system. It helps business offices streamline their business telecommunications in a very effective manner. The innovative PBX auto attendant handles all incoming calls efficiently and provides callers with a superior and professional communication interface.

Feature-rich Auto Attendant

The VoIP PBX auto attendant greets callers professionally using recorded customized greeting messages. It offers them a list of options to reach the person or department they want. These include dial-by-name, dial-by-department, dial-by-extension and so on. Depending on the callers choice, calls are quickly redirected to extensions, conference rooms, call queues, mailboxes and groups. This system can manage numerous calls coming in simultaneously and routes calls without giving off line busy signals. This reliable call answering system helps you save the expenses involved in maintaining additional reception staff. The core features of the VoIP PBX auto attendant solution include:1-to-5 digit extensionsFind-me/follow-me call forwardingMusic on transferVoicemail to emailDo Not Disturb modeFax to email

Easy to Connect to Remote Extensions

To ensure small and medium businesses round-the-clock telecommunication facilities, the PBX auto attendant performs systematic call routing even to remote extensions. The advanced find-me/follow-me call forwarding allow calls on your primary business numbers to be easily transferred to your personal landlines, cell phones or other VoIP phones assigned as extensions. This helps you to manage your business from anywhere. If all extensions are busy, calls are quickly routed to the voicemail system where callers can leave voice messages. This eliminates the possibility of missing important calls. Important benefits of the virtual PBX auto attendant system are:Minimizes caller on-hold timePrompt response for all incoming callsImproves staff productivitySaves time and money

Pick the Right Auto Attendant Package

Small and medium-sized business offices can enjoy the features of the virtual PBX auto attendant without having to invest in premise-based equipment, software packages and complex networks. The service provider maintains all the necessary equipment and offers installation, upgrades and maintenance. A reliable service provider can help you to pick the right auto attendant package, as well as help you configure and personalize to suit the specific telecommunication needs of your corporate office.

Last year, $400 million in tax benefits went unclaimed by parents of school children for education expenses. This year, parents are being urged to keep their receipts for tax time to alleviate the financial burden that back to school expenses place on many parents. The Australian governments Education Tax Refund (ETR) scheme provides up to 50% back on a range of childrens school expenses for both primary and senior school students.

With a need for new school books, textbooks, uniforms and other equipment, the back-to-school period puts on a strain on many parents purse strings. So make sure you understand how you can claim back up to 50% of your childs education expenses come tax time.

-What can I claim? Under the ETR, parents can claim on education expenses including home and personal laptops, computer related equipment, internet connections, computer repairs, educational computer software, school textbooks, learning related texts, and stationary. For a comprehensive list on what is claimable see .

-What is the maximum amount I can claim? For the 201011 financial year, the maximum amount you can claim is $794 of expenses for primary school children, receiving a maximum refund of $397. For secondary school children you can claim $1,588 in expenses receiving a maximum refund of $794 per child.

-What about school uniforms? Kids school uniforms purchased after July 1 2011 will for the first time be included in the ETR. Parents will be able to claim on uniform costs for the 2011-12 financial year.

-NB: To claim money back on education expenses, parents must keep their receipts in order to calculate your refund and to have them on hand as proof of purchase.

The ETR is the governments way of helping with the costs of educating children, so make sure you make the most of this tax-refund scheme. Youll halve the costs of textbooks, computers and in the future Australian school uniforms, which will relieve the financial burden of educating your children.
Are you keeping your receipts?

As the name suggests the collection predictive dialer system is successful and widely used by collection agencies worldwide, as it has the artificial intelligence to predict and route only those calls that make sense for call center executive. Before installing this software many collection agencies were literally fighting with old and outdated telephone technology that was completely manual and driven people. This was fine as long as the numbers are within manageable limits. But things have changed dramatically in recent decades and the number of loan clients has grown by leaps and bounds. Along with the growing number of default rates have also risen considerably.

To address the situation, the need of the hour is to have a good solid mechanism collection that is driven by technology and is not labor intensive. However, the best of a call center executive can prove that it would be impossible for him or her to watch over 60 calls per day. Experience has found that 20 to 30% of these calls is wasted because there is no response from the client side. However, with the use of the collection system predictive marker of the number of calls that can be made by a person increases by about 2-3 times and up to 200 per day figures. Another feature that makes this software all the more useful is the fact that of these 200 calls about 70 to 80% are productive calls. This translates into a figure of around 140 to 150 calls per day of production. Compare this with the number of previous productivity of about 45 calls.

Judging from the above statistics there is no reason why collection agencies should not consider this software as indispensable. In addition to the above statistics this collection predictive dialer software also ensures automatic dialing facility to collect the number of a database, helping to generate reports about dropped calls or not available and other vital information. As a collection executive Call center numbers have not found an answer or have an answering machine are reassigned in the queue and the software automatically selects the numbers and start dialing again. All this would have been possible in a scenario manual.

However, for the best use of this software and the results of optimal availability of real time data is very important. Moreover, the training and education of call center executives on the proper and efficient use of this collection predictive dialer system is paramount. At the end of the day, it can be concluded with some authority that this software has been shown a new direction to collection agencies and has made meaningful and productive work.

For more information about how Cloud based Auto Dialer, Voice Broadcasting, Call Center Software, Cloud based Auto Dialer and Hosted IVR may work for your small business, visit the LeadsRain.com.

Eating healthy foods can help lengthen lifespans, decrease risk of chronic diseases and increase physical and mental well-being. Foods for healthy eating can be really delicious, and there are plenty of simple food recipes out there for a good, healthy diet. If you’ve got specific dietary condition, you should see a doctor for a healthy food list tailored to your needs. This healthy eating guide presumes no special dietary requirements.

Try to match your calorific intake to the energy you use. While the odd exception won’t be problematic, you can’t eat Christmas recipes every day. Normally women use about 2000 calories a day and men use 2500.

Healthy recipes use less saturated fats and more unsaturated fats. Roughly speaking, saturated fats are fairly solid at room temperature and unsaturated fats are liquid. Seeds and nuts are great for healthy nutrition party because they contain healthy oils: similarly oily fish can be a starting point for healthy, easy recipes.

For a good healthy diet try to eat complete proteins. Animal proteins are usually complete, but also contain a lot of saturated fats which people keeping healthy foods diets should avoid. To get complete proteins from plant sources pair a grain (such as rice, wheat or oats) with a pulse (such as beans, lentils or chickpeas). A more comprehensive healthy food list for pairing can easily be found in an online or print healthy food guide. This combo is so good it’s used in simple food recipes around the world, like Jamaican rice ‘n’ beans and Indian dal with rice. There are Middle Eastern healthy, easy recipes combining wheat (in couscous, bulgur and bread) and chickpeas (e.g. houmous, falafel) which make great diet foods for healthy eating.

A healthy foods diet avoids sugary foods and drinks. Even too much 100% fruit juice can be bad for you, because simple sugars are less healthy than carbohydrates like starch. Diet foods and healthy snacks tend to be low in sugar, so that can be a safer bet. Instead of processed foods, eat lots of fresh fruit and vegetables, which can be used in healthy, easy recipes from any good healthy food guide.

It doesn’t matter how many meals you eat a day: this differs between cultures and time periods. However, consistency is important to avoid feeling hungry and if hungry between meals eat healthy snacks. Avoid missing breakfast too, because slow-release energy helps get you through work or school.

Speaking of school, it can be hard keeping track of kids’ healthy nutrition. School dinners might not always use healthy recipes, but healthy kids’ snacks are out there. With a lunch-box and a healthy eating guide they’ll be eating healthy foods in no time.

A recent study conducted by Patrick F. Fagan, Senior Fellow and Director of the Center on Research on Marriage and Religion at the Family Research council, examined the effects of pornography on individuals, marriage, family and community, and found the extent of damaging effects pornography has on individuals and families.

According to Fagan, Pornography is a visual representation of sexuality which distorts an individual’s concept of the nature of conjugal relations. This, in turn, alters both sexual attitudes and behavior. It is a major threat to marriage, to family, to children and to individual happiness. In undermining marriage it is one of the factors in undermining social stability.

Social scientists, clinical psychologists, and biologists have begun to clarify some of the social and psychological effects, and neurologists are beginning to delineate the biological mechanisms through which pornography produces its powerful negative effects.

Other findings of the study include:

Pornography is addictive. Neuroscientists are just now beginning to map the biological structures that underlie the addiction.

Users often become desensitized to a type of pornography, get bored with it, and then seek out more perverse forms.

Men who view pornography are less satisfied in their sexual and emotional relationships with their wives. Wives notice this and are upset by the difference.

Pornography is often a pathway to infidelity and divorce, and is often a major factor in these decisions.

Among couples affected by one spouses addiction, two-thirds experience a loss of interest in sexual intercourse.

Many adolescents who view pornography initially feel shame, diminished self-confidence, and sexual uncertainty. However, these feelings can quickly shift to enjoyment and regular viewing.

The main defenses against pornography use are close family life, and a good relationship and communication between couples and children, coupled with monitoring of internet use.

One way many families use to safeguard internet use is by installing an internet filter. An internet filter helps to protect your family from some of the harmful consequences of pornography that we are learning about more and more each day.
Wisechoice.net offers a comprehensive content filter that protects your family from pornographic web sites, as well as content control over chat rooms, instant messages and file sharing. Wisechoice internet filter is powered by the award-winning Safe Eyes software, but differs in that it cannot be turned off or overridden. This can help husbands or children who in a moment of weakness attempt to turn off the software to access pornography. Wisechoice is the only internet filter on the market with this feature.

Protect yourself, your marriage, and your family from Internet pornography with the fastest, most accurate and customizable internet filter software available: Wisechoice Internet Filter. Providing protection since 1998, Wisechoice.net is PC- or Mac-compatible and cannot be turned off or over-ridden. It works with any service provider or browser and offers 24/7 toll-free phone support. The service is inexpensive – $49.95 per year for up to three computers and is designed for adults and families. One month unconditional guarantee.

Strathclyde Associates Trading and Management Construction Company News: Trimble has announced today that a SITECH Technology Dealer has been established to serve contractors in Florida, Georgia and Alabama. SITECH South East joins the network of SITECH dealerships – the first fully dedicated global distribution network offering the most comprehensive portfolio of construction technology systems available to the heavy and highway contractor.

SITECH Technology Dealers represent Trimble machine control systems for the contractor’s entire fleet of heavy equipment regardless of machine brand, along with Trimble’s portfolio of Connected Site(TM) solutions–site positioning systems, construction asset management services, software and powerful wireless and Internet-based site communications infrastructure.

Strathclyde Associates Trading and Management Construction Company News: The experienced construction professionals at each SITECH Technology Dealership can advise contractors on the appropriate construction technology solutions to utilize, and can provide high-quality local customer service, personalized training and technical support. As authorized dealers for Trimble site-wide solutions, the SITECH Technology Dealers understand how to apply innovative construction technology to help solve a variety of contractors’ construction challenges. Leveraging technology, contractors can gain greater insight into their operations, enabling them to lower operating costs and improve accuracy, safety and productivity.

Through the adoption of construction technology, contractors can experience new levels of productivity that enable more competitive bidding on projects. SITECH Technology Dealers offer the most advanced and complete set of tools to revolutionize the construction workflow.

Strathclyde Associates Trading and Management Construction Company News: Trimble is establishing SITECH Technology Dealers in the Americas, Europe and Asia / Pacific regions. SITECH South East will serve heavy and highway contractors throughout the states of Florida, Georgia and Alabama involved in a range of earthmoving applications such as the construction of roads, highways, railways and airports as well as site prep for large commercial, industrial and residential projects.

SITECH South East was formed by Southern Precision, Inc. (SPI) and Trimble.

Strathclyde Associates Construction Management: Strathclyde Associates Trading and Management Construction Company made a number of associations mainly in the Pacific and Southeast Asia regions. These business partnerships added extra strength to Strathclyde Associates Trading and Management Construction Company. We are proud to be associated with projects in countries including Thailand, Indonesia, Singapore and Seoul, S Korea.

Nigeria falls among the disturbed nations where education has been a big question. In the recent years, the communal tensions and socio-economic turmoils have shattered dreams of thousands of aspirants to pursue a career from the Nigerian universities. Owing to a continuous disharmony, students are receding back from traveling to campus classes in Nigeria. Keeping in mind their choices and preferences, the UK universities in Nigeria are offering students to study online. There are plenty of benefits of online study compared to the regular mode. In fact, ample students are opting to study online.

With the rapid progress of time, the corporate sectors are coming up with higher and higher demands. As far as the present job scenario is concerned, obtaining high qualifications have become mandatory for future aspirants. Most of the reputed companies are recruiting individuals with excellent academic rankings. Its in fact a mammoth’s task to get the best placements sans these requirements. One will never want to work under the same designation throughout one’s life. All career enthusiasts desire for a prestigious position. Its also true that the working individuals fail to make time out of their tight work schedule for attending regular classes. Therefore, taking all these points into consideration, study online is the best option.

The online study option has given rise owing to the technological innovation in the educational arena. The facility of online studies shows that education has undergone a drastic change in the recent years. The entire globe has been highly impacted with the advent of online education. In fact, thousands of aspirants are flocking from different parts of the globe every year to study online in Nigeria.

There are plenty of advantages to study online. Firstly, you don’t need to travel to attend regular campus classes. This latest educational system provides you with project work sheets, quality materials, full-packed module, assignments etc. Once you plan to study online, get to know all about your relevant course, exam details, job placements and several other details. If you wish, you can always download your required information from the website. Select your learning center carefully as it will determine your placement in the near future. You can also contact the UK universities in Nigeria to pursue online MBA programs.

To study online in Nigeria, the first and foremost thing is to get in touch with your desired learning center. Well, you can know your course details through emails. Online education even helps you to arrange courses in terms of your own schedule. Whenever you wish, you can always participate in their certificate programs. Nowadays, the UK universities in Nigeria are offering plenty of academic programs. For pursuing any of the online courses from the UK universities in Nigeria, you must have a computer, an email address, a Microsoft office software and an internet connection. If you are looking forward to opt for an online MBA course, you can always contact the UK universities in Nigeria via online.