Auto Insurance – Who to Buy From? Insurance Brokers, Agents or Companies

There are three basic ways to purchase auto insurance:1. From an independent insurance broker2. From an insurance agent3. Directly from the insurance companyAll of these methods have their advantages and disadvantages, and all can be beneficial depending on the needs of the consumer1. Insurance BrokerThe insurance broker has always been a popular way to purchase insurance. They are independent in that they do not work for an individual insurance company. They basically work for you, and work at getting you the best rate. Years ago this used to be the best way to get auto insurance. You would go to an insurance broker, tell them what coverage’s you wanted and they would shop around and find you the best price. The main disadvantage to this method is that they must be compensated for their work. This could cause your insurance rate to be higher then it should be, as you have to pay for the broker’s services as well as for the actual insurance. They may also work on commissions, getting money from an insurance company every time they buy insurance with them. This brings up the question of do they really have your best interests in mind? They may advise you to purchase insurance from a company just based on the larger commission they will receive, or convince you to get better coverage in order to receive a better commission.With the emergence of the internet I feel that brokers have become obsolete. Most of the tools they have to compare auto insurance quotes are now available to everyone. With the click of a mouse, anyone can now compare all insurance companies and find which one offers the lowest premiums. For me personally insurance brokers do not add anything of value, and they seem to offer higher rates, and then can be found online.2. Insurance AgentAn insurance agent is like a broker, except that they work for a single insurance company. They will work at getting you the best coverage and the lowest rate but only from the company they work for.3. Directly from the insurance companyThe last way to purchase auto insurance is directly from an insurance company; wither online or over the phone. this is usually the cheapest method, as these companies set up large call centers in one location that handle calls from all over the country. This cuts their costs down dramatically. With everyone being able to use the internet, this has become the best way to get the cheapest auto insurance. Companies usually offer an additional discount when purchasing online or over the phone.What is Best?The three methods to purchase auto insurance have been compared and described above. In order to get the lowest auto insurance premiums, I would recommend first getting an online quote. This will compare all insurance companies in your area and give you the lowest prices. After you know which companies offer the lowest prices, you can call a local broker to see if they can match or beat the quote. It is always good to support your local business, and if a broker can match or beat the price you got online, why not buy through them? If they cannot match or beat the online price, then you have two options. If the company has an office in your city, then you can head down there and purchase insurance through the insurance agent. They should give you the same price as you found online. Option two is you can purchase insurance directly through the company either online or over the phone. Some companies do not have offices or insurance agents in all cities, so your only option to get the lowest price is to purchase over the phone or online. Remember some companies offer an additional percentage off if you purchase online, rather then through their insurance agent.Some people may not feel comfortable buying insurance online over the phone. Their only option will be a broker or agent, and this is a fine choice, however the biggest savings usually come from purchasing insurance online or over the phone.

Horse Racing As a Board Game

One of the easiest events which can translate into a board game is the activity of horse racing. Something that people have been enjoying for a long time, horse racing allows people the chance to pick a favorite horse, following its career as well as its jockey. Horses offer the same sort of appeal as auto racing does, as you are rooting for one to win the race because you have been following their particular talents and skills. Unlike auto racing, however, horse racing offers something more because you are following an actual living creature instead of a machine. This makes things be much more up in the air, with a larger element of randomness come into play, as living creatures can act in surprising ways, good or bad.Regardless of this, horse racing is popular because it is one of the most exciting ways that people find to gamble. Going to the horse races and placing a bet on a favorite horse often gives people the chance to feel as if they are living the high life, doing something out of the ordinary. It can be a great pastime for a number of people and, thus, the act of horse racing is a popular one. It also lends itself well into board games, as a number of them have based quite a compelling game around this event.Reiner Knizia, the king of the abstract board game design, created a special game based entirely on horse racing. Winner’s Circle, also occasionally published as Royal Turf, makes players enter the world of competitive horse racing, on both ends of the spectrum. Players begin the game by secretly placing bets on horses which they think will perform well during the race. After the bets are placed, these players will then gain control of the jockeys in the race and make decisions and play cards to both promote certain horses and hinder others.After the race is complete and one horse comes out as the winner, each of the bets are revealed and payouts are made based on who bet on which horse. A total of three races are played in this manner and whichever player ends the game with the most money earned is declared to be the winner of the game. This game, quick to learn and easy to play, offers players a multitude of options when it comes to competition, however, and each game can end up playing out completely differently from any before it.Win, Place, and Show is another great horse racing game, dating all the way back to the 1960s. This game offers six horses and six lanes in an oval track, each marked up with a number of spaces. Some of these spaces have special markings in them, allowing for players to have a certain amount of strategy in the paths they choose to take, including when they choose to change lanes to try and overtake other players. Each horse has a certain set of skills associated with it and this allows for a fun game every time you play it!

Military Education Benefits – What the Military Has to Offer

More American’s are choosing military education as their number one career pathway then ever before and they have good reason to. Getting an education in the military holds many benefits that I will get into and if you are serious about getting an education and pursuing the American dream this is a fantastic option.So what are the benefits of military education?Well compared to regular education the military offers a broader range of offers and they are much easier to get into. Engineering, medical, hospitality, science and environment names a few but your decisions are endless. One of the main struggles a student faces is the lack of funding and finance as they study.It is extremely hard to produce strong results from education while balancing a job and family commitments but this is where military education steps in. Not only will you gain a degree in your chosen field but you may be eligible of earning anywhere from $20,000 to $60,000 while studying from the government. Instead of paying money to be educated you are actually earning money as a result of you becoming acknowledged as a smart individual.This form of education also allows more time off and flexible study times where as otherwise you will have full time commitments and a much larger work load.A good education is vital for those who want to make a name for themselves in modern times as people will look over you if you do not have a solid background of schooling. The benefits of military education far out way the other school systems and if you are strongly thinking about pursuing this sort of career there is nothing holding you back.

Learn a Second Language Fast and Easy

A person who knows just one language has a narrow cultural horizon. Not all good works of literature, cinema and music are available in translation, and those that have been translated may have bits and pieces of idioms and ‘local color’ lost in translation.Learning a new language nowadays is no longer as difficult, time-consuming or costly as it used to. You don’t have to learn it in a classroom. You don’t have to be as smart as James Joyce. And you don’t need to live in Rome, for instance (although that would be lovely), to learn Italian.In this age of globalization, of jet travel, instant messages and quick access to information, you’ll look like a Neanderthal if you won’t learn a second language. In fact, a lot of people these days consider acquiring a second language as hip as going on a vacation to Tahiti or owning techie gizmos. And truly, learning a new language isn’t nearly as costly as a night in a classy resort or a new high-end mobile computer.If you hate the classroom setting, as it brings back bad memories of school, you can actually learn a new language anywhere anytime. You can learn it while doing chores at home, hitting the treadmill, gardening, sailing, waiting for the fish to bite, or getting a tan at the beach.Having the linguistic smarts can turn you into a polyglot, but even if you’re not inclined to learn a new language, learning a second language is still doable. If a parrot can learn to mimic human sound, you can do better than that. And no schoolmarm will be looking over your shoulder, making sure you’re toeing the linguistic line.Living in Thailand to learn Thai is perhaps the best way to learn the language, but doing so will take time, some personal and cultural adjustments and a lot of money, unless there’s a job waiting for you there.So how is it possible to learn a second language at your pace, at your own time, at any place you like and at no high cost? Well, that’s exactly what the Pimsleur language learning program is designed for.Developed by the notable language instructor, Dr. Paul Pimsleur, you are guaranteed of easy, quick and effective method of learning a second language. The program has the widest catalog of languages to choose from, including all of the major languages in the world. You can learn any of the European languages, plus Mandarin, Hindi, Arabic, Korean, Mandarin, Japanese, Thai and many more.Getting the program materials is even easier. No tree ever gets sacrificed for your learning module because you won’t get any textbook. The program is designed as an audio file (MP3 or WMA format) that can be easily downloaded from vendors on the internet into your personal computer.You can then burn the file into a CD, DVD or Blu-Ray disk, or load it into your handy audio players, pocket PCs or smart phones – which means you can listen to your language lessons while doing the dishes or laundry, walking the dog, doing your early morning exercise, or even soaking in the tub before bedtime (just keep your headphones and player away from your bubbly bath). Truly, there’s no easier way of learning a second language.