Six-Month National Median Car Insurance Rate Now $702
Market Wire, February, 2010
The national median car insurance rate for a
six-month policy is currently $702 according to InsWeb, a leading online
insurance comparison provider. This rate has decreased approximately 0.5
percent over the last six months.
InsWeb also released national median rate data for specific demographic
groups including men, women, and age groups ranging from teenagers to
seniors. The company currently reports that women pay a median car
insurance rate that is about 5 percent lower than men, or $683 compared to
$720 for a six-month policy. Additionally, drivers age 19 and younger pay
the highest median rate — nearly $1,300. That is more than double that of
the group with the lowest reported median rate, those ages 60 to74, who pay
a median rate of $596.
“While much of what determines a driver’s auto insurance rate is beyond his
or her control, many are still paying more than they have to,” said Brad
Cooper, Senior Vice President at InsWeb. “By being proactive and following
a few simple tips, most of those drivers can reduce their car insurance
costs by at least 5 or 10 percent.”
Consumers who pay more than the national median rate should review the
following car insurance savings tips from the experts at InsWeb:
1) Take Advantage of Discounts: Many consumers are eligible for good
driver, loyalty, good student, safe vehicle and other types of
discounts but don't take advantage of them. A simple call to your
insurer can yield quick savings.2) Increase Your Deductible: Simply put, a higher deductible equals a
lower rate
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Well the truth is that you
Well the truth is that you will have to work at it some, but it can be accomplished much easier than most people think.
One easy way is to access the equity that is available in your home. With a home equity loan can lower your monthly bills and enjoy a tax deduction at the same time. Home equity loans carry an interest rate that is much less than that you receive from a credit card company.
When considering a debt consolidation loan we have one very important item that needs to be addressed up front. Our budget. In most cases, failing to budget is the cause of getting into a situation where we must consolidate our bills.
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If you are a
If you are a regular driver and one accustomed to driving throughout the southern US, you know that your vehicle will soon become well acquainted with insects. Lots of them! Your windshield can get clouded over by bug splatter within minutes. Without a bug deflector in place you will be running your wipers and using up your windshield washer fluid in no time. Bug splatter is not only an inconvenience, but a dangerous distraction. You can outfit your vehicle with this simple to install device to protect your windshield and paint from bug juice.
A
bug deflector
or bug shield — as some call it — is one of the easiest devices to install on your vehicle. A properly installed shield will help deflect bugs as well as rocks saving the hood of your vehicle from damaging chips and splatter. With a bug deflector properly in place you will be able to complete your journeys without needless distraction.
Installation can be accomplished in minutes especially if you have a second person on hand to help you line up the
bug shield
correctly.
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ASK AMY:
ASK AMY:
0 Comments | Charleston Gazette, The, Jul 28, 2010 | by Amy Dickinson
Dear Amy: Recently I had the opportunity to interact with several young adults who are in college seeking advanced degrees. I noticed an interesting trend. They call one another “kids” and talk about “the boys (or girls) in my class.”
Amy, these people are in their early to mid-20s and are in their second or third year of a Ph.D. program!
I walked away from this conversation thinking that their self- referencing as children cheapens the work they’re doing and implies less responsibility than they have. It made it difficult to give them the respect they believe they deserve.
In my opinion, once a young person goes off to college, he or she is no longer a kid. Shouldn’t they refer to each other as men and women? – Curious
Dear Curious: I shared your letter with Laurence Steinberg, psychology professor at Temple University and author of “You and Your Adolescent, revised edition: The Essential Guide for Ages 10- 25″ (to be published next year by Simon & Shuster).
Steinberg says that unlike puberty, which is a stage of life defined in biological terms, adolescence is largely defined by social milestones. Many factors (including the economy) are keeping young adults tied to their parents for a longer time than in previous generations.
Steinberg says, “People in their early to mid-20s are in a new stage of life we haven’t seen before. Some people call this hazy stage ‘emerging adulthood,’ because they are still developing socially, culturally and emotionally.”
He and I agree that young adults who refer to themselves as “boys” or “girls” may be doing so because they don’t want to sound too pompous and lack another term to describe themselves.
Young men can call themselves “guys,” but aside from the antiquated “gals,” there is no equivalent term for females.
Steinberg wisely suggests the best response to this should have come from you in the form of a question to these young people: “Why do you call yourselves ‘kids’? Do you really see yourselves as children?”
Dear Amy: My fiance and I are getting married quickly due to his military orders to move overseas
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Nationwide and BankZIP.com Announce Strategic Relationship
Business Wire, July 27, 2000
Business Editors
POTTSTOWN, Pa.–(BUSINESS WIRE)–July 27, 2000
Internet Banking Alliance Adds Insurance To Online Offering
BankZIP.com, the world’s first Internet banking alliance, today announced a strategic relationship with Nationwide Insurance, the country’s fourth largest auto and homeowners insurer, to provide insurance services to the customers of BankZIP.com alliance partners.
Under the terms of the agreement, Nationwide will offer its comprehensive array of auto and property insurance products to BankZIP.com alliance partner customers via the Internet. Users of BankZIP.com alliance partners’ Web sites will be able to choose an insurance product and request a quote. The request will then be e-mailed directly to local Nationwide agents, who will contact the customer directly. The services will be available next month.
“Nationwide recognizes that a rapidly growing number of consumers are pursuing financial services products online, including insurance,” said John Albert, associate vice president – agency development for Nationwide. “The ability to offer our products to a large audience of community banking customers through BankZIP.com is cutting edge
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Volunteering way of life for White
Volunteering way of life for White
0 Comments | Dayton Daily News, Sep 25, 2008 | by HEREABOUTS DIANA BLOWERS
A trip to the Narrows Nature Center led to Nancy A. White becoming a Greene County Parks volunteer, which led to her involvement with the Settlers Celebration at the Indian Mound Reserve.
While attending a program at Wright State University, she met Cris Barnett, the Greene County Parks’ chief naturalist, and took her up on her invitation to visit the Narrows Reserve Nature Center on Indian Ripple Road in Beavercreek.
“My husband and I were captivated by the activity outside the bird room at the nature center and we promptly went home to develop our own bird sanctuary outside our sunroom,” said White, who lives in Sugarcreek Twp. with her husband, Patrick White.
Since then she’s helped with many park programs, such as the annual Settlers Celebration at the Indian Mound Reserve at 2750 U.S. 42 South in Cedarville that will be held from 11 a.m
Pilot and The Ledger-Star, Norfolk, VA – TAKING GREEN LIVING TO A NEW LEVEL
TAKING GREEN LIVING TO A NEW LEVEL
0 Comments | The Virginian-Pilot and The Ledger-Star, Norfolk, VA, Jun 9, 2010 | by SEAN O’DRISCOLL
By Sean O’driscoll
For The Associated Press
When she goes to the supermarket, Bea Johnson brings along a sealable glass jar so the butcher can slide in a pork cutlet. In the bulk aisle, she fills reusable bags she makes from old bed sheets to carry rice, pasta, oatmeal or nuts.
In fact, everything she and her husband buy is without packaging: They make their own household cleaning products, buy soap that comes unwrapped and return milk bottles to suppliers for refills.
At least three times a week, Johnson phones marketing companies in her unrelenting war against junk mail.
“The amount of money you can save by just carrying your own water bottle is huge,” said Johnson, who blogs about her lifestyle in Marin County, Calif., at zerowastehome. blogspot.com. “Plus, the more you get away from plastic, the more likely you are to buy fresh.”
Johnson has emerged as a guru for people looking to take green living to a new level.
“We’re definitely seeing more people interested in living without waste, but the demographic has changed,” said Sarah Kennedy of San Francisco’s Rainbow Food Cooperative, which offers everything from shampoo to seaweed in bulk.
“Before it was tree-hugging hippies who washed and reused their produce bags. Now we’re seeing a much more middle-class movement, more moms with their kids, with Tupperware boxes and neatly folded linen bags,” she said.
The effort to reduce packaging has moved into the mainstream. The state Assembly in California approved a bill that would ban plastic bags from stores and require retainers for paper bags. The measure has yet to reach the Senate, but other cities have placed restrictions on plastic bags, including an outright ban in larger retail stores by three counties in North Carolina’s Outer Banks.
Johnson, who began with the less ambitious target of simplifying her family’s life, soon realized that less clutter also was good for the planet.
The health benefits of a wrapper-free life are a major theme for Colin Beavan in New York. He wrote a book, “No Impact Man,” about a year he and his family spent without electricity and living with as little waste as they could. Though their experiment ended in November 2007, they’ve committed to staying packaging free.
“Most of the fattening foods, the bad stuff, come heavily wrapped,” he said. “If you confine yourself to fresh products from the supermarket or farmer’s market, your family is going to be a lot healthier.”
Beavan buys most of his food at the farmers market in Manhattan’s Union Square. He returns his egg cartons and milk bottles to the farmers and buys round blocks of cheese that come without packaging.
“It’s not simply about less packaging,” he said. “It’s about changing your whole outlook, about wanting less and getting so much more as a family.”
an attempt to go package-free Reporter Sean O’Driscoll tried to live a month without packaging. Here’s the story:
Food shopping “Every grocery item I’ve purchased has been without wrapping. I go to the bulk aisle of my local food co-op for pasta, rice, beans, flour, oatmeal, nuts and anything else that I can pour into my own bags, which are then weighed at the checkout counter.”
Reusable bags “I have 10, including a plastic one I use to buy loose spinach and broccoli. One of the strangest by-products of this experiment has been my newfound respect for plastic – no longer discarded after a one-night stand. More like a long-term relationship. The difficult point is remembering my bags when I leave for the supermarket. “
Health benefits “With no more sad looking, single-serving microwave meals, and my coffee from a paper cup replaced with a drink from my water bottle, I feel more energetic and less stressed. Because I bring broccoli and carrots to work and don’t touch additives, my skin is clearer. The sudden arrival of middle-age spread has disappeared from my waist.”
In the pocketbook “Financially, all of this has been a major boost
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Two More Florida Cities Mandate Ethos FR(R) for All City Vehicles
Market Wire, June, 2008
Ethos Environmental, Inc. (OTCBB: ETEV), a
San Diego-based company, announced that two more south Florida
municipalities have joined the City of North Miami in mandating the use of
Ethos FR in all city vehicles. In March of this year, the City of North
Miami completed a testing protocol that resulted in a 12.5% improvement in
fuel economy and a 19.34% reduction in harmful emissions with the use of
Ethos Fuel Reformulator. Based on those results, North Miami mandated the
use of Ethos FR for the entire city fleet.
Now, neighboring communities Bal Harbor and Boca Raton have completed their
own testing periods. Bal Harbor Mayor Howard Berlin, along with the City
Council, confirmed that the city’s test vehicles showed a 12.6% improvement
in fuel economy along with a reduction in harmful emissions — as measured
in opacity — of 34%. Bal Harbor will be using Ethos FR in all city
vehicles, effective immediately.
In the nearby city of Boca Raton, a four-month testing period on municipal
vehicles has also yielded excellent results. Boca Raton has authorized a
purchase order to supply Ethos FR for all city vehicles for one year.
Patrick Glennon, president of Ethos Environmental East, Inc., said, “We are
very excited that these cities have seen the benefit of using Ethos FR.
This is an area of the country with high expectations for air quality and
these cities have recognized that by using Ethos Fuel Reformulator they can
bring immediate improvement to their environment and save on fuel budgets
too. We commend the cities of Bal Harbor and Boca Raton for their
extensive testing, and we look forward to continuing our service to them.”
Ethos FR is an ester-based fuel reformulating product that reduces
harmful emissions while improving both fuel mileage and engine performance.
Ethos FR’s ability to integrate easily with existing fueling
infrastructures makes it both an effective and realistic pro-environmental
step that can be implemented by companies and municipalities of all sizes.
For additional information, please visit www.ethosfr.com .
About Ethos Environmental, Inc.
Ethos Environmental, Inc. (OTCBB: ETEV), a San Diego-based corporation, is
the manufacturer of award-winning fuel reformulating products that help
industries meet environmental regulations and relieve skyrocketing fuel
costs. By using Ethos FR, commercial vehicles can increase fuel mileage
between 7 percent and 19 percent while reducing harmful emissions by more
than 30 percent. For more information about Ethos Environmental, Inc.,
visit www.ethosfr.com .
Forward-Looking Statements
Except for statements of historical fact, this news release contains
certain “forward-looking statements” as defined by the Private Securities
Litigation Reform Act of 1995, including, without limitation, expectations,
beliefs, plans and objectives regarding future activities. Such
forward-looking statements involve known and unknown risks, uncertainties
and other factors, which may cause the actual results, performance or
achievements of Ethos Environmental to be materially different from any
future results, performance or achievements expressed or implied by such
forward-looking statements
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The goal was only to provide a
The goal was only to provide a method of supplying the world with inexpensive, widely available commercial lighting. From this gigantic effort, we know, the incandescent light bulb was born. This achievement was, at the time, a monumental gift to the world…, but the future would reveal some flaws.
This virtually unchanged technology is still the top lighting source used today. For decades, the incandescent light bulb had little or no competition. Over this time, It has maintained the lowest cost per light unit of output(brightness) than any other lighting technology. All of this time its shortcomings were not challenged, or at least not so heavily, until a much newer technology, the LED(Light Emitting Diode) made its phenomenal technological advances in recent years…by surpassing it in light output for the power consumed. All that remains for the LED is the cost per lumen of light output to drop to a competitive level.
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Hurricane To Get Lavish Funeral Thanks To Fans’ Donations
Hurricane To Get Lavish Funeral Thanks To Fans’ Donations
0 Comments | Journal (Newcastle, England), The, July 26, 2010
FRIENDS of Alex “Hurricane” Higgins have vowed to send the snooker great off in style, using pounds 10,000 raised for his medical treatment to fund a lavish funeral.
The troubled genius of the table, shown above in 2007, was found dead in his Belfast sheltered home on Saturday after years battling throat cancer. Friends broke into the 61-year-old’s flat having failed to contact him by phone. It is not known how long he had been dead.
The Northern Irishman was the youngest World Championship winner when he took the snooker title in 1972. He won the title again in 1982
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