How Much Car Insurance Do You Need?

The amount of car insurance you require will depend on several factors. The value of your car, whether your vehicle is financed or you own it, the age and type of car you own, and the state you will in will factor in determining how much insurance you need. Another reason you may require more insurance is if your car has enhancements added that were not put on when the car was manufactured.

If your vehicle is new and in top condition, full coverage insurance is the best bet if you own it outright. This will cover the cost of providing the money to purchase another car in the same condition should you be in an accident that totals your car. Most finance companies require you to carry full coverage insurance. They like to make sure they will get the amount they lent for the purchase of a car back should it be totaled in an accident. If you own an older car, liability coverage is the best way to go. This insurance will prevent you from being sued in the event of an accident that is your fault and there are injuries that need to be compensated. It is a good idea to carry more than is recommended because, in the event of an accident with injuries to the other person, the minimum may not cover all of their injuries and, if not, they will rarely come after you to collect the reminder . There are only 4 states at the present that do not require any type of insurance.

If you have had anything added to your vehicle, such as stereo systems or expensive wheels, you should add insurance to cover these add-ons in case of theft. Comprehensive insurance is usually required by finance companies and covers a variety of damages such as wind damage, falling objects, fire, flood, etc. If you are an antique car buff, you will want to insure your car to cover the replacement value. Using your car for business may require that you carry more insurance than you typically would. Basically, the price and the amount of coverage that you carry will be governed by the insurance requirements for the state you stay in and whether you want or feel you need extra insurance above what is required for your vehicle type. It is best to find out what requirements your state has and what you expect to be compensated for in the event of an accident.

According to car crash statistics there were 6,420,000 auto accidents in the US in 2005 with a financial cost of 230 billion dollars. Nationally, a vehicle theft occurs every 27 seconds.

Do Something Out Of The Ordinary With Adventure Vacations

So you have had enough of sightseeing and historic places and want to do something different this time for your vacation. The best idea would be to opt for adventure vacations organized by adventure travel agencies. Whether you are a beach lover or a mountain person, there is some adventure in every place for the avid adrenalin junkie. The best part is that you don’t have to worry about the planning and organizing of the trip because all this is taken care of by the travel agency.

The best way to find an adventure travel agency is to conduct a search on your favorite search engine on the internet. You will get a long list of websites and you should study as many as you can. Then short list 3-4 of them and call them up on the phone numbers published on the websites. Ask some pertinent questions regarding their skills and expertise and the kind of services that they provide. Some of this information is also published on their website, but you can go into the minute details on the phone. Whether you want to go trekking in the Himalayas or scuba dive in the Andaman Islands, everything is possible and available with these adventure travel agencies. In fact the best agencies will also create tailor made holidays with a combination of activities which will give you the kind of thrill that you have never experienced before.

When it comes to adventure trips they can range from paragliding, jet skiing, trekking, motorbike tours, cycling tours and much more. All the paraphernalia required for the trip is provided by the travel agency and you only need to carry your personal belongings. For instance if you are going trekking in mountainous areas then the travel agency will take care of the food and water, tents, sleeping bags etc. There will be porters and mules to carry the stuff required along the trip and also to carry your luggage. They will provide you with a mountaineering expert and a local guide so that you don’t have to worry about losing your way. At the same time, there are also facilities for first aid and emergency evacuation if the need arises. This means that you are always safe and secure. At the same time, the travel agency will also conduct training and counseling sessions which will prepare you mentally for the trip and they will guide you on how to prepare yourself physically before taking on the ordeal.

On the other hand if you are going on a motorbike trip through rugged areas then the travel agency will supply the motorbikes and other gear required for the trip. These trips will also be led by skilled guides who will ensure that you do not get into trouble. These guides are completely aware of the entire route and they know the eating joints on the way where you can make pit stops and refresh yourself. Any mechanical trouble with the motorbikes will be taken care of by the guides and the travel agencies also have tie-ups with road side assistance providing companies which will ensure that you have the best adventure holidays without having to worry about anything.

Now if you happen to be a beach lover then the adventure travel agency will ensure that you can enjoy the adventure activities like scuba diving with your family. Children of the age of eight years and above can go scuba diving with their parents. The travel agency provides guides and instructors who prepare you for the scuba diving experience and provide some preliminary training so that you don’t feel at odds when under water. Your kids will be specially trained in a kid’s training session so that they feel confident and comfortable during the adventure.

The same is true for any kind of adventure activity that you wish to experience. In fact some of the best adventure travel agencies also provide a combination of experiences like hiking up a volcano, scuba diving and trekking through lush green forests all combined into one package. They can suggest the best destinations for the activities that you are interested in. Whether you are new to adventure travel or have experience it does not matter because the adventure travel agency will prepare you for the ordeal that lies ahead of you and ensure that you go back home with lasting memories of your adventure trip.

Affiliate Marketing – An Overview

Affiliate marketing on the internet is everywhere. Products being sold range from exercises to help with plantar fasciitis to video game copying software. There are countless ways to market products, so we're just going to take a brief look at a few of the places people can use to get started, some startup tips and you'll be ready to start on a road to recycling, free "money.

One of the best ways to get started in affiliate marketing is to sign up at an affiliate site. Examples of this are ClickBank and Commission Junction. What these sites do is get together people who want to sell products and people who are interested in advertising for them. To refer to the examples above, you can promote pretty much anything from medical help to entertainment and computer software. I'm personally planning on doing solar panels next, as a system to reduce heating and cooling costs as well as general electrical overhead.

Most of these types of sites have a list that's quite extensive, and you can chose any product you like. Then you have the site create what's called a Hoplink for you. This is a personalized link to their product that tells the seller that the patron came from your link. This is what gets you credit for the sale. Sounds simple enough right? But how do you get that link out there?

Of course, it's important to do some research about the product you're selling. Once you can speak about it on a reasonable level, it's time to build a base of operations. Websites like Squidoo are wonderful for this. Squidoo is a ready-formulated lens building site. A lens is a website, but one with a specific purpose. It's called a lens because it focuses specific attention on the keyword chosen to target it at. Basically, you take a keyword people are searching on the internet related to your product, and you make that keyword the base for your lens.

So now you write up a fairly simple site promoting the product in question. There's tons of websites now promoting products and everyone has their own particular way of doing it so we're not going to focus attention on that. Go nuts, make something creative and jazzy, or serious and solemn.

Now you have your site trying to promote that product. How do you get people to look at it? The first thing to do is get your site indexed by search engines. There's products and services out there to do this for you, but you can easily do it yourself by finding and submitting to an RSS feed. Basically these sites link themselves to you so that search engines can just go through them and find new web sites.

Building multiple websites with different keywords and linking them to each other does not hurt, but the best way to get traffic is to get bumped up the actual search results list. The way to do this is to create backlinks. Backlinks are links from other sites directly to your lens site. Search engines see other people linking to you and bump you up result lists. So where can you get links to your site?

Well forums are a place to start. You have to be careful though, most forums do not appreciate people taking up their space with ads, especially if they're not getting a cut. There are some forums out there that are specifically for posts of that nature, however. Finding these and submitting to them is a great way to get started. Some people buy their own web domains and use these both for the "lens" site as well as backlinks. Free domains like Yahoo Geocities can be useful for this.

So to recap, first you pick a product you wish to promote, and find some good keywords that describe it. Push those keywords on a lens site, and use social networking sites, other domains and forums, etc. to get the search engine's "attention" and you're on your way. Of course, it's still a matter of getting the right people to your information, buyers. Google and others offer "readers" and the like to tell you what some good ones might be.

I hope this helps to clarify what affiliate marketing on the internet is and how it works. Good luck on your first dollar!

Power of Branding and Freedom of Poetry

Maya Angelou once said (I'm paraphrasing) '' the purpose of all life is to be able to live like a poet one day. '' She went on to say that since poets already live like poets, their lives were not a postpone project, but the-ultimate-goal-realized by default.

How many times we have heard of those retirement dreams … the narratives that inevitably start with '' one day I'd like to … '' and continues with a description of one idyllic state or another … a beach house in Key West … playing golf eight hours a day in Arizona … buying a summer house in Florida and moving for good … writing (ah, at long last) that great novel, the chapters of which are lying somewhere inside those moldy cardboard boxes in the basement … to take the oath of chastity and join a monastery or a yoga ashram … take that trip to the Far East … or maybe even to throw itself with passion into a cause that is much larger than one's own limited life, like a political party, a crusade, a fund-raising juggernaut perhaps … on and on.

But underneath it all the aim is to arrive at that sublime state of inner peace and gentleness, something ill-defined but real, fuzzy but warm, a feeling that we feel is our birthright. Underneath it all we do not all point the gyroscopes of our lives to that nebulous state of elation and redemption that we sometimes refer to as '' poetic ''?

The rest is mostly a life-long process of branding ourselves as a desirable product in this increasingly globalized and fickle marketplace.

A brand is a total image with a price, a consistent package with defined and perceived borders. We are engineers. Attorneys. Machinists. Singers. Doctors. Teachers. Experts. Go-to guys. Ministers. Project managers. Historians. Curators. Tank drivers. Chefs. Shrinks. Plumbing … and, yes, Poets. Poets come in branded varieties as well. There is even a '' Poet Laurate '' for the whole United States (for the last few years we were extremely fortunate to have Billy Collins and Stanley Kunits and Ted Kooser as the PT Person).

All branding by definition shuns contradiction and ambivalence like a plague.

Fuzzy logic is fine for hi-tech digital cam-recorders but not for the experts that command healthy speaking fees. CEOs and four star generals are not expected to wear their troubling questions on their sleeves. Researchers at NIH do not get grants and doctors for not knowing what to do in the face of a new virus strain.

If things do not make sense outside a certain framework, then a branded professional knows how not to step outside that framework. A brand provides reproducible solutions to carefully-worded questions. Existentential panic does not command a premium price on the capitalist auction block.

Poetry, on the other hand, is a vulnerable exploration into everything that is left out by branding. It has no guarantees. No guidelines.

You can certainly encourage people to write poems. But I'm not sure at all if you can '' teach '' how to write poetry with the kind of money-back-guarantee bravado that is commonplace for a successful brand.

It is the only Odyssey that each person has to take all alone, go out and wander in the world, meet his demons, take them on one by one, beat them and return home victorious … only to do the same all over again the very next day.

Poetry, to use an analogy that Billy Collins has used in an Alaskan Quarterly Review interview, is like finding something curious sticking out from the sand in a desert and removing all that sand to discover the rest of the intriguing object. In that, poetry represents a vast freedom to rediscover all that is hidden from or by power.

Poetry raises all the in-between states and ambiguities censored by branding. So it is subversive by default.

However in that subversion there is also a deep affirmation of the most basic human value of all – freedom. That's despite the only thing branding can not buy and sell in the marketplace. A brand's power depends only on consumption. Poetry, on the other hand, is free the moment it is produced.

Our world needs more poets get into branded power play. Certainly someone like Leopold Sedar Senghor, a poet who became a statesman, will be remembered for his uplifting and dignified approach to international conflict. And conversely, I hope more branded professionals get into poetry as a way to humanize the market place of good and services.

What if the United Nations held a Poetry Workshop for one day of the year, with mandatory participation for all heads of state?

What if everyone in the world voted for the best Power Poet of the year through the Internet and the winner was declared on Valentine's Day?

Or what if Fortune 500 companies had poetry classes for their managers? Would not that be the ultimate out-of-the-box thinking and problem-solving bonanza on stereoids?

And what would happen if before one country attacked another, the presidents and top generals from both sides were forced to lock themselves in a room and write at least one poem, expressing why they hate the "other guys" and why they must fight? What if those poems were then distributed to the citizens of both nations and the world? Perhaps they would still go on and fight. And otherwise, just a tiny little shivering perhaps, they would not.

Without poetic abilities, branding easily degrades into a repetition of the past. If you are building a bridge, repetition of the past experience might actually be a beneficial discipline since no one wants to re-discover trigonometry every time there is a river to cross.

But in much more complex affairs of the heart, of which I consider international politics to institute just a small subset, the vulnerable freedom of a poem could be the only thing standing between our endangered humanity and the discovery of our birthright freedom – and even perhaps salvation.