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    Auto Insurance Black Box Technology Meets Your Darkest Fears


    Back in the days before computers, auto insurance was personal and subjective. The insurance agent actually talked to the man he knew in the main office, called in a few favors, and got their best customers the best rates. Male drivers under 25 were charged a lot. Young females, being perceived as less risk, were charged much less. Now, in the computer age, auto insurance companies have large databases of accident and claims records. By number crunching these records they can tell what type of person is more likely to be a good driver and what type of person is more likely to be an accident risk. This ‘Black Box’ technology gives them insights into the background and behavior of the people who they think should pay more for their auto insurance. For example, people who carry minimum limits of liability are actually a greater risk than those who carry at least 50/100 ($50,000 per person, $100,000 per accident). And statistics have shown that those with bad credit scores are more likely to be involved in accidents. In Texas, the minimum liability limit on auto insurance is 20/40. Yep. $20,000 per person, $40,000 per accident. Not much is it? And if that weren't bad enough, the minimum property damage is $15,000. Guess who makes up the difference if you're in an accident that's your fault? In most states, auto insurance is regulated by the state. But that is only the beginning. The state uses tables of 'loss ratios', exposure, and other conjuring words, to justify what the auto insurance companies want you to pay. Every once in a while, just to throw you off, they will even announce a state wide REDUCTION in auto rates. When they do, hold onto your wallet! After the state sets the base rate, the individual companies negotiate with them to adjust their particular rates, claiming either a better or worse loss ratio than average. So, after the elections are over, the legislature allows exceptions, amendments, and endorsements to jack them back up to something the auto insurance companies can make a ton of money from. And there’s more. Most states allow individual companies to set their own rules to determine who gets charged what. So, one auto insurance company rates a particular driver one way, while another company rates the same driver differently. Each company sets those underwriting rules. So how are auto insurance rates determined? First, the state usually gets involved. Then companies toss the dice between staying competitive and making as much profit as they can for their stockholders. And finally, now that the 'Black Box' is here, auto insurance companies are taking a closer look at every driver. Career, credit score, past record, even the city you live in helps 'drive' the rates. They have even found that those who select low limits of liability are greater risks than those who select higher limits. So, by raising your liability limits, you may actually lower your auto insurance rate. For some, the new 'Black Box' technology reduces rates by as much as 20% over those companies not using it. The bad news is, since credit scoring does play a part in ALL auto insurance rating, the worse your credit score, the higher your auto insurance will go. No more 'discounts', no more 'loyal customer' credits, and the like. You will be rated right down to your underwear, placed in a group of drivers almost identical to you, and charged accordingly.


    The Ttc Is Canada S Largest Public Transit System


    : For anyone travelling to Toronto the TTC is a great alternative to the somewhat expensive taxis and the other inconvenient and time consuming ways of commuting such as driving and walking. Both can be every time consuming due to traffic and long distances. The transit system in this Canadian city is extensive, and it allows for fast and convenient transportation to every major landmark, every neighbourhood and at all times of the day. All you need to get around in Toronto is a map and the TTC The Toronto Transit Commission (TTC) is a public transport authority that runs buses, streetcars and subways in Toronto, Canada. Over 1,500,000 individuals rely on the TTC for their daily transportation needs. The Toronto Transit Commission operates the third most heavily used urban mass transit system in North America. To accommodate for the heavy daily traffic the TTC has a vast network of busses routs, subway lines and streetcars that reach every corner of the city. TTC Extensive Network There are three subway lines and one elevated rapid transit line with a total of 69 stations, as well as 149 connecting bus and streetcar routes. The TTC has over 11,000 employees Fares Once you pay to ride the TTC you can travel all you want in one direction. The adult cash fair for one ride costs $2.75. If you buy 5 tokens or tickets the cost is $11.25. The TTC also offers the option of the Metropass for $109.00. With the Metropass you get unlimited travel for one whole month. A weekly pass is also available for $32.25 TTC History The TTC was initially named the Toronto Transportation Commission and was formed in early 1921 when the city of Toronto took control of all the existing privately run routes. Initially most service was provided by streetcars. The first TTC subway line was build in 1954 on Yonge Street and had 12 stations. The same year the commission was renamed to TTC. Slowly and as Toronto’s population increased and the city expanded, so did the number of bus routes and subway lines. Over the years the system has evolved into an extensive network of well planned bus routes that support the subway lines. The system has evolved to feature a wide network of bus routes with the subway lines as the backbone. The subway's newest line, Sheppard, opened in 2002. Getting around in Toronto is fairly easy, every one is friendly, the transit system works great and it is open seven days a week. The TTC is the way to go. The only thing you would have to worry about is the occasional TTC Strike


    What Are The Features Of Satellite Radio


    The best thing about the satellite radio is that you get about seventy channels of music, commercial free. The consumers keep the radio on air not commercials and the range of channels varies from opera to rap, from blues to dance music and much more. Another great feature of this radio is the absence of static. From East coast to West Coast and all over the US, you will get a clear signal where ever you are. In addition, if you have just heard a song and you want to know the name of it, simply look at the receiver display. It will tell you the name, the artist, what channel you are listening to, and what program it is. Satellite radio is completely free from censors. Howard Stern can put a program on air as is, without interference. You can hear music like hip hop without any interruptions. The radio service provides local weather and traffic conditions. In big cities, there are more detailed forecasts. In addition, if there is a national crisis, unlike regular radio stations that go blank, satellite radio will be able to provide information. You may listen to the radio on your computer. Most people mistakenly think regular radio is free, but it isn’t. You are forced to listen to sections of annoying commercials in exchange for music. With a satellite radio subscription, of about thirteen dollars, you get a clear reception, you get channels of music you can listen to no matter where you are and you can listen to exactly what you want. This is perfect for a person who travels throughout the US. You don’t have to worry about static and you don’t have to fiddle around with the radio every time you leave a specific area. Soon XM and Sirrus will provide the same service for Video Channels. Their subscribers would be able to enjoy great quality, a clear reception and commercial and censor free viewing.


    Security Internet Roots And Research


    Security in communications has been considered the primary reason the Internet was started although many researches view this as an elaborate urban myth. Imagine a world where nuclear war caused significant deficits in communications. The thought of this possibility is what some say led to the development of what was known as The Advanced Research Projects Agency Network (ARPANET). This system allowed packets of information to be delivered through a series of connected computers ensuring that communications could continue in the event of a worse case scenario. From all accounts this system was birthed in the minds of scientists back in the early 1960's and implemented several years later. When the cold war ended educational institutions used the system for research purposes in connection with other educational institutions around the world. The ramifications of this global network eventually eclipsed any potential or mythological use during the cold war. While this system did not serve in the capacity of post apocalyptic communications it did serve to advance other noted communications including GPS advancement made available at no cost through the US Government. The governments of countries around the world now have sites dedicated to information and assistance for their citizens. Today the Internet can facilitate a wide variety of communications including telephone service and audio and video transmission through podcasting and video streaming. While security of governmental boundaries may or may not have been the motivation for what we now refer to as the Internet it is security that users must insist on to allow the computer to function properly. Computer viruses are routinely released on the web that seek to extract data while corrupting files. Security measures are often breached while information is exported to individuals with less than pure intentions. The use of anti virus software is an important security measure to ensure the use of this global network through the portal of a home or business computer. Because the Internet is based on shared data, resources and servers there is always the potential of virus attacks and other forms of online abuse. The overriding need of anti virus protection simply works to stop viruses before they are spread from one user to the next. Viruses can be imported through email and by visiting certain websites. Anti virus software can alert you when an attack is inbound and can prevent that attack from actually affecting your computer. As the use of the Internet becomes more widespread the use of anti virus software is vital. Regular updates and computer scans are an essential part to computer safety.


    Quiz Do You Believe That You Are Unique


    Do you know that you are a unique person? Do you believe that? Or you think that you are one of the billions in the world? Do you appreciate your unique qualities? Do you know about your true potential? Let us quiz and find out. Quiz do you know that you are unique? All of us are unique. No face is same as any other face in the world. No fingerprints are same as other fingerprints. You are a unique person with qualities that are not with others. You are truly a unique person. Please remember that at all the times. Quiz do you appreciate your unique qualities? You have some unique qualities. It is seen that all of us recognize the uniqueness of others, but cannot recognize our own qualities. Why not make a list of all your qualities. Separate out the qualities that you think can be further developed and help you achieve more in life. For example, you might be a good speaker. Have you ever considered becoming a professional in that? You may be a good painter, or a carpenter, or a good designer and so on. The point is to recognize that and develop a quality that can help you reach high in life with that. Quiz your ambitions. Please write down your goals, think about them. Are you aiming to reach very high or your goals are very moderate? Please revise your goals. Make them realistic but raise the bar high. Unless we extract our full potential to reach high goals, how shall we achieve great feats in life?


    Website Success By Design


    You never get a second chance at first impressions. Not only does this truth apply when developing personal relationships it also applies in the world of website design. As I have traversed the World Wide Web I have found sites that have been thoroughly impressive and others not so much. You would be surprised at the lack of understanding of the first impression principle. In the age of information it is important to make your information as accessible as possible. If a customer cannot find what they are looking for on your site they are likely to leave and find it on your competitor's. People go to the internet for two things: 1. Find information on a product or service they intend to purchase 2. Make a purchase There is no doubt the importance of website design as a tool for marketing goods and services. Upon visiting a website the mind of the customer is made whether they will stay or go as soon as your site downloads. Your ability to keep them perusing your page is in based on a design that creates compelling exchange. Regardless of what anyone says all humans look on the outside rather than the inside. It is our human nature to make judgments based on looks rather than substance on first encounters. If the cover of your book(your website) is not appealing than you will find that you have been judged only by your appearance and not the quality of the character of your site. If the design of your website placed emphasis on deep and rich content yet losses a customer because of first impressions then you have wasted your time. When your website is perceived as confusing and uninteresting then your product or service will be perceived in the same manner. A great example of this comes from Robert Cialdini's book, Influence Science and Practice, a woman owned an Indian Jewelry store in Arizona who recently purchased an allotment of turquoise jewelry. The store owner had a hard time selling any pieces of this particular jewelry. She tried many sales tricks such as shifty their location to a central spot in the store, no luck. She had her sales clerks push the jewelry hard upon customers with no success. One day the owner went on a buying trip but prior to leaving she left a note for her head saleswoman stating, "Everything in this display case, price x 1/2," in hopes of getting rid of the offensive jewelry, even at a loss. The store owners handwriting must have been horrific because the saleswoman mistook "1/2" to be "2", and the entire allotment was sold for twice the original price! The jewelry only sold because a higher price led to a perceived higher value. You see, "Perception is the key to the mind". If you place your website in a side by side comparison to your competitor, both offering the same product, the same price and the same value, the one who wins is the one with the best design hands down. Take time to think of what you are communicating to your customer and how it is best communicated. Through the creation of your compelling exchange your customer will find greater value in your website by "Design". Copyright © Ron Seawood


    Tactical Holster 03


    If you know anyone in law enforcement, they can definitely tell you how important each piece of their equipment is. As any fool can see, they wear a lot of items. I used to call my father's work belt, the Bat belt, because it looked like a belt full of gadgets and weapons like Batman straps on. Makes perfect sense though. These men and women face all sorts of things each and every day on the job. It's better to have something if you should need it. One of the main items that law enforcement officers carry is a firearm. This weapon is mounted on their side in a tactical holster. Now days holsters are much cooler than they were back in the Wild West, and much faster to draw from as well.

    The very first tactical holster I saw was of course my father's. It was constructed of black leather and had spring steel clamps in the front. I know it's probably difficult to picture.

    Basically how it worked was; the Glock rested in it like any other tactical holster, but when you needed to draw your weapon, you simply pressed the handgun through the front of the tactical holster. It spread apart, then clamped back together.

    It was very fast! Probably one of the cooler handgun holsters around in the 80s. One thing I noticed about law enforcement officers is that they wore their firearm with the hammer cocked, and the holster strap blocking it from firing. It's about being as prepared as you can for anything.

    Even civilians get certified and wear tactical holster rigs. You too can get a license to carry a concealed firearm as long as you're of age and haven't been convicted of a crime. These days there are quite a few to select from. My eldest brother is an avid firearm carrier.

    He has the most bizarre tactical holster for his handgun that's rigged in a pair of rubber underwear. Now that's devotion to toting around a weapon for self defense.

    Also tactical holsters don't have to be solely for firearms. They can also be purchased for expandable batons, tazers, stun guns, pepper spray and knives. Explore the world of possibilities when it comes to self defense weapons and carrying them quietly on your person.


    How To House A Successful Online Business


    : It is worth taking the time to make your site more search engine friendly, because it will bring you profit and appropriate exposure. Here are some simple advices on building successful web site for your online business. How to build search engine friendly website? You can find plenty material when browsing the Internet, but a good foundation cannot sabotage your online initiative. A search engine friendly site is not just beneficial for top ranking in the search engines, but also helps to attract customers, thus getting business for you. Before designing a site, make sure you have got a good domain name. The Domain name is your URL or Universal Resource Locator as in what a person types into the search engine bar like yoursite. com and others. Hypothetically, if your business is related to something like ruleta then it is good to have the word "ruleta" included into the domain name separated by dashes from other words or numbers. Generic domain names may help in search engine listing. It will be easier to find the sequence of words within a domain name directly related to the main idea of your business. Make your site content based with at least two hundred words holding clear information of your products, services and business.

    This will help your potential customer to know about you and get some information on products they require. Apart from verbal description, you might use web design attributes to underline your point. Please do not startle the visitor of your web site with blinking texts, shocking colors and confusing animations on the web pages. The website must have a clean look so that the web visitor will feel relaxed to get all relevant information about your services, otherwise, he will shut it down within a minutes.

    Keep the site simple and easy to navigate. Complicated navigation will confuse the visitors. The navigation must be user friendly and easily understood by the visitors. If you search through search engine results, you will find all the top ranking websites are optimized properly.

    These optimized websites make their presence felt in the search engines by making their site user friendly with good navigation, content texts, and Meta tags relevant to their websites, and having proper placed images. Why shouldn't you use such simple tool like navigation at your favorite? News relevant to your site is also a great way to bring in traffic.

    Many people nowadays get their news online and not just world news. Maybe someone wants to read about the gambling bill that was passed in congress recently to ban money transfers to and from online casinos, a great advantage to having news on your page is that if it is well written piece of writing, other news sources like Yahoo and Google may take your masterpiece and put a link to it from their site.

    This would give you thousands of hits, and that is the goal. While designing your website, the most important thing to remember your website is not to trick search engines by adding hidden texts or hidden links, irrelevant keywords or text, or very small text which is hardly visible for human eyes.

    Google usually punishes these websites by giving them low rank or sometimes removing them forever. If you incorporate all these tips when building your website I can guarantee it will make your job much easier, no one wants to build a site and then find out they need to star over from scratch, because every day offline is potential money lost. Use the above suggestions and utilize them into your company website in order to guarantee you stop losing money that you could be making.


    Finding The Perfect Car


    When you have made a solid decision about which type of car will best fit your needs, it is time to zero in on the details. You will have to decide on specifics like, make, model, color, options and more. Of course we all would like to own a car that we have chosen every last bit of detail for, be it an unusual paint job or something as practical as an ABS system. However the more leeway you are willing to give on your preferences, the better your chances are of making a great deal on your car purchase. There’s no need to sacrifice any options that are absolutely necessary to ensure your safety and comfort while on the road, but if you are willing to be flexible as to what color and accessories are included in the package, you may just find a more reasonable deal and certainly more options to choose from. This will give you more leverage when it comes time to bargain for the final price of the automobile. Let’s put it this way: say you have very strict requirements about your chosen car’s paintjob and rims. Or perhaps you just have to have that expensive and esoteric car stereo system. What are the chances that your car dealer has a car on stock with those exact same specifications? Fairly slim actually and if they do have what you want in stock, chances are you will have no other choice but to pay the price the dealer is asking for. Either that or find another car dealer who does carry your chosen model in stock but is willing to lower the price. Of course if you do find the model you want with the specifications you want, you wouldn’t want the dealer to know that so you can proceed with the negotiation as if you were just not that particular about the little details. You may want to call several car dealerships in your area and ask about your chosen car model. This will give you an idea how much of them are available so you can then plan your bargaining strategy accordingly. Keep track of the results you gather from your inquiries; make notes detailing the name and contact information of the dealer and what line of cars they carry. This will help you get a clearer picture of all the options available to you when you make your final decision.


    Disadvantages Of Public Schooling 223


    Disadvantages of public schooling When we consign our children to public schools, we feel satisfied that they are receiving 'quality education'. But, are we really getting our money's worth? More importantly, are the children gaining anything from this kind of a learning procedure? Socialization is hailed as one of the greatest advantage of schools. This is the place where the child picks up the rudiments of social skills that help him survive. But in truth, a regular school going child can interact only with his peers. He may bully younger children or fear older ones. He does not know how to behave with an adult. This is because in the school environment he interacts only with his peers. A homeschooling environment brings in a more natural social environment. A regular school going child cannot read literature. He cannot keep silent or think in depth about any one thing. The artificial 'busy'ness imposed upon him by the school disallows quiet contemplation. Rowdy and destructive behavior, as seen among peers, is more noticeable in school goers. There is little long standing knowledge among regular school goers because most things are learnt for the exam. There is no correlation of facts with life. The child may know a lot, but understands very little. This is where the homeschoolers beat the regular school goers. Ultimately, homeschoolers emerge more adept at facing the outside world. (word count 223) PPPPP


    Discover The Joy Of Tandem Skydiving In Ohio


    Ohio’s extreme sport centers offer patrons the opportunity to experience tandem jumps, accelerated free falls and other related programs. They provide you a chance to discover a passion for the thrill of skydiving. You don’t feel more alive as you do when you are freefalling from the sky. Tandem jumps allow you to explore the world of skydiving safely with your jumpmaster. For those who want to take it further you could consider doing an accelerated free fall (AFF) program or a accelerated student program (ASP) which once completed allows you to jump solo. Ohio has many extreme sports centers, here is a look at some that offer tandem jumps and AFF. Tandem Jumps At The Cleveland Parachute Centre Located at 15199 Grove Road, Garrettsville your first tandem jump would cost $219, successive jumps are cheaper and if you do your 2nd jump on the same day it is priced at $119. Look out for special discounts such as the Fall Special. Add another $80+ and you could have a VHS tape or DVD of your free fall and landing, which you can relive every time you view the recording. At Cleveland Parachute Center you can train on the VR Skydiving Simulator and get a real feel of what the jump will be like. 15 minutes on the simulator are considered similar to the experience of 3 4 jumps. Some of the courses offered at this extreme sports center include static line course, accelerated static line course, tandem course, tandem freefall progression and AFF. Finding Your Way To The Centre If you are coming from South West Cleveland then take Rt. 82 East to the light turn at Hiram where you proceed to the Rt. 700 North for about 2 miles. Take a right turn to Allyn Rd. and a two mile drive east and you will find us on the right on Grove Rd. For those who are driving in from Pittsburgh choose the turnpike West to Ohio Exit 209 and after the toll booth you will need to take Rt. 5 West and drive for a mile. Next you take the 534 North to 82 West at the traffic light and at the stop light you proceed onto the 88 North for five mile. On your left is Grove Rd. and another 1.2 miles down it will bring you to the Center. Skydive Greene County Set in the beautiful greater Dayton, Ohio Miami Valley the Skydive Greene County is proud of its fleet of airplanes that include the Super Otter and Cessna 182. When you do your first tandem jump with the Skydive Greene County it includes training as the actual jump. With an enormous area this extreme sports center offers restrooms, a T. V viewing area where you can see your jump recording. Furthermore the center allows free camping at its drop zone. Prices and Directions Price of a tandem jump is $205 but there are also discounts that can be availed. Weekday prices and group prices are lower and there is also a discount for college students and military personnel. Located at 177 S. Monroe Siding Rd. Xenia the center is easy to locate. From Dayton select the US35 East to Xenia and move on to the bypass to use the Bickett Rd exit. Here you will need to turn right and drive until you reach the flashing light at Jasper Rd, where you turn left. A mile down you will find the S. Monroe Siding Rd on your left. A 1/4th mile drive will bring you to the Center


    Which Business Credit Card Is Best For You


    If you have been a customer for long enough with a particular bank, they may offer business credit card facilities to you. That would be convenient, and the processing and approval of your business credit card application is likely to receive the fast track treatment. But it may not necessarily be the best business credit card for your needs, so it won’t hurt to look around at what’s available before making your final decision. There is intense competition these days in the business credit card market. This certainly is to your advantage. Here are some things for you to consider before choosing a business credit card provider: Paying Off Your Balance: The Business credit card packages on offer from the various credit card issuers differ, as do the terms and conditions of use. You should determine whether you will be paying the full outstanding balance when it falls due or whether you intend making part payments towards this balance. If it is you intention to pay the full amount, you will probably be better off with a charge card, where all charges made are payable within 30 days. Charge cards set no spending limits. If it is you intention to make part payments, a business credit card would be appropriate as it affords you the opportunity to pay off the balance over time. Credit cards normally have set spending limits. Getting Your Rewards: If you are a frequent traveler, you can get business credit cards that offer you the opportunity to earn miles. Check for mile earnings ceilings and the amount of miles earned per $100 spent, when making your comparison. Beyond these travel points, you can also qualify for discounts or accumulate points for purchases made on your business credit card at participating merchants. The rewards system on most business credit cards are often designed to benefit small business owners. Be sure to read the fine print. It may be that some cards include fees and interest rates that negate any value you may receive from their rewards system. Picking the Business Credit Card Issuer: One is really spoilt for choice when it comes to selecting credit card issuers. Naturally the biggest players are the huge national banks. Often the regional bank or local bank where you already keep your business accounts, may provide their business customers with attractively packaged business credit card offers, in order to retain their custom. What is important to note is that whilst there are many companies that issue business credit cards, there are only a few card brands worth considering: Visa, MasterCard, Amex, and Discover. While you are shopping for a business credit card, it you should make a point of obtaining information from these card companies directly. They have business divisions including one for small businesses that can provide you with details on the business credit card options that would best suit your needs. Monitoring Employee Spending: You can arrange for business credit cards to be issued to your key people. This will give you an effective means to monitor representation and business expenses. If you feel that a particular employee has abused the privilege, you should be able to call the bank and they should be able to give you a solution. You would not want to get stuck with having to pay unnecessary bills. You may want to reduce the charge ceilings for your employees in addition to them signing a legal undertaking to cover you should they end up abusing the cards. Finding a business credit card that closely matches your business’ specific requirements has never been easier. Thanks to the competition between issuers, you also have the opportunity to pay reasonable fees and receive preferential treatment. For business owners, this is a fortuitous set of circumstances indeed.


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