The Multi-Car Discount/Vehicle Add-on Discount

Posted by tiwi on Saturday Aug 30, 2014 Under Auto & Motor

The sooner you discover the rate classification factors and the cost-saving techniques, the sooner you will begin saving yourself a bundle each and every year.

Let’s start served by a typical insurance bill for an adult having a clean driving history who owns a five-year-old medium-priced car and resides in a mid-sized town of 30,000. I will refer to this standard example through the article to say the savings you can obtain my explanation is here by making various changes in your rate classification and coverage.

When the same person lived in the rural town with a small population and therefore a scarcity of cars and accidents, his premium could be considerably less and may possibly range be-tween $800 and $1100 per year. However, if he lived inside a large metropolitan area, the premium could run as high as $800 to $900 or even more a year. As you can see, insurance bills can vary more than $500 on the basis of geographic location alone.

On this example, our adult male received single.00 rate factor all three companies; however, however have saved $15 annually or 37 V2 percent annually by shopping around for company A’s current rate-that’s why it’s very important to be aware of art of doing your research.

All insurance firms give the 1.00 rate factor to adult/married drivers: married females at ages young and old; married males ages 25 and older; single females ages 25 and older; and single males ages 30 and older.

car insurance laws tips quotesThe annual premiums will differ among these adult/married groups because of the huge variations in the insurance companies’ base premium rates. For instance, an adult/ married male will get a 1.00 rate factor from either company A, B, or C. However, the  base premium rates of these companies will vary tremendously, now along with the future, inducing the divergence in their final premium amounts. The base premium rates for, suppose, bodily injury liability limits of 25/50 could possibly be $40 for company A ($40 X 1.00 = $40), $50 for company B ($50 X 1.00 = $50), and possibly $55 for company C ($55 X 1.00 – $55), while a year from now, the premium schedule could possibly be completely reversed!

One of the most overlooked aspects of car insurance savings yet one of its best is the multi-car/vehicle add-on discount. Most drivers who qualify achieve annual savings as high as 20 percent. However, there are many drivers who’re still not aware of this discount’s existence and, therefore, are passing up on its premium savings benefits.

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Answer not a fool according to his folly, lest thou also be like unto him.- (Proverbs 26: 4)

An atheist, a prophet and a liberal walk into an interview

On Wednesday November 13, 2013 I was scheduled for an interview with Fox News Radio’s Alan Colmes. There was supposed to be an American Atheist, director of media relations Dave Muscato and a Rabbi in the three way discussion. The Rabbi was unable to take part, so it came down to Muscato, and I and Alan Colmes as the moderator.

Colmes, the quintessential controversy monger, was cordial, friendly and although he directed most of the questions to Muscato, was reasonably fair – for a flaming liberal.

Muscato seemed to take pride in the fact that he is a former Bible believing Christian who had since moved up the ladder of reason and intellectualism to the high place where all atheists come to roost, the land of giving God his walking papers.

While not the slightest bit scientific or biblical, my thoughts kept wandering back to a line from a beloved hymn written by Daniel De Marbelle, -When They Ring the Golden Bells,’ a song even Muscato may have known because he was formerly a Christian musician.

The lines from the song that kept reverberating in my mind were, -When our days shall know their number, and in death we sweetly slumber, when the King commands the spirit to be free.-

God is in no danger from atheist’s, but what if the matter was reversed? What if atheism were reversed, what if God ceased to believe that men or an individual was real, what if he decided you didn’t exist? In a word – it would be curtains. It would be the instant shriveling of the fig tree for someone.

-Now in the morning as he returned into the city, he hungered. And when he saw a fig tree in the way, he came to it, and found nothing thereon, but leaves only, and said unto it, Let no fruit grow on thee henceforward for ever. And presently the fig tree withered away. And when the disciples saw it, they marvelled, saying, how soon is the fig tree withered away!- (Mt 21: 18 – 20)

Why does God tolerate our nonsense?

Atheism’s, poor odds, bad science and bum logic

Atheists may be the only people in the world that form organizations, write treatises and argue in endless debates about something they claim does not exist. We have all heard the expression -what if they had a war and nobody came to fight,’ but with atheists, the expression would be modified to, -what if they had no enemy to fight and the atheists still showed up to do battle.- Please, if God does not exist, pull up the tents and go home.

If the Christians should be wrong they have lost nothing, no heaven, but no hell either – this is known as a win-win in any language. If the atheists are wrong they risk eternal separation from God. They are in the 50 percent bracket – those odd are stifling. They are willing to gamble their entire future (eternal) on a whim whose odds are riskier than a bad gambler would take even if the stakes were only a nickel. Perhaps it was an atheist that coined the phrase – -his life wasn’t worth a nickel?’

Then along comes the evolutionist with the belief that man came from nothing moved up through the inter species ranks of creepy crawling things until at last now we stand upright and use our three pound brain to solve every problem, but one – finding the missing links that should prove our past. There are tens of thousands of scientists, academics and eager modern followers still waiting for the proof.

In an attempt to make light of the faith, Dave Muscato asked me for the benefit of the thousands who were listening to Colmes’ syndicated show if I actually believed the bible record of creation and other events. Before I could answer he wheeled through the various dispensations of the bible on his own, starting with Adam and Eve in the garden. He whisked through the Old Testament and then got down to the virgin birth, the life of Christ and his death for the sins of the world and the resurrection.

I had to hold back the laughter, but I finally gave a simple yes, to his question and then I thanked him for doing something I thought I could never do on the Colmes show – go through the entire bible, up to and including, the gospel message.

Muscato offered nothing new in the way of a fresh argument, but only confirmed what writers Norman Geisler and Ron Brooks stated years ago in their classic, -When Skeptics Ask’ published in nine editions.

Using the statement -Logic is not valid. It can’t tell us anything about God- Geisler and Brooks go on to say, -Look at this carefully. It says that logic doesn’t apply to these issues. But the statement is logical about these issues. It is logical, because claims to be true, while its opposite is false. That claim, called the law of non-contradiction, is the basis of all logic.-

Let’s put this out in the simplest possible terms. To say there is no evidence or not enough evidence to prove God exists is the very same reason to say that the lack of evidence also proves that he does exist. Perhaps it could be seen as the law of mutual contradictions, but in any case the atheist argument holds no more water that the stated faith of the humblest believer.

Atheism does not account for the bible’s three P’s. Almost all biblical premises are followed by prophetic promise. The premise of the gospel, that God was in Christ reconciling fallen man to himself is followed by the prophetic promise that he will one day return to judge the quick and the dead.

The apostle Paul said he strove for the mastery of his life and knew he would win a crown at the end of his life. He said, -I therefore so run, not as uncertainly; so fight I, not as one that beateth the air.- (1 Co 9: 26)

Using poor odds, bad science and bum logic, the atheists of this world will find that when the prophetic promise of Christ’s return is fulfilled they will then certainly know they have spent their entire lives -beating the air.’

The -Big Bang’ or the -Loud Voice’ – The Choice is Yours to Make

Atheism relies heavily on the unwitnessed, unheard big bang that allegedly took place billions of years ago. Our faith is based on a historic fact, the life, words and deeds of a man who was seen and heard by an entire nation, followed by a dozen faithful witnesses who recorded all he did. He said many things and with full authority said he would require those words of every creature that hears them.

Some of the last words Jesus ever spoke as he died on the cross were spoken in a -loud voice.- They were the words of his deepest pain and agony as he hung on the cross only minutes before his death.

-And at the ninth hour Jesus cried with a loud voice, saying, Eloi, Eloi, lama sabachthani? which is, being interpreted, My God, my God, why hast thou forsaken me?- (Mr 15: 34)

Unlike the un-heard crash of the -big bang,’ these words and the question they pose have a very clear answer.

God had momentarily forsaken his son in his time of extreme agony for only one reason – that reason is – you.

It was the price of your redemption and the key to unlocking our slavery to sin. It was heard then and is still heard by millions around the globe through the witness of others.

What do you hear?

Not one person has ever heard the big bang, but every person on the globe will certainly hear the voice of the Son of God. That day is near.

-Verily, verily, I say unto you, the hour is coming, and now is, when the dead shall hear the voice of the Son of God: and they that hear shall live.- (John 5: 25)

American has since 2005 featured the articles and reports of journalist Rev Michael Bresciani along with news and reviews that have earned this site the title of The Website for Insight. Millions have read his timely reports and articles in online journals and print publications across the nation and the globe. Follow us on Twitter and Facebook

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Fitness Assessment On Home Computer

Posted by admin on Sunday Aug 24, 2014 Under Health & Fitness

Fitness Level evaluation. Fitness Test evaluates your current fitness level. What does that mean? Your fitness level means your body’s ability to withstand a physical workload (how much) and to recover in a timely manner. In everyday life you can see how some people can easily run several miles, while others can’t walk for more than 10 minutes. The difference in these people is in their fitness level.

Fitness test – old methods. There are number of tests that can be used to supposedly determine fitness level. These tests are based on BMI, Weight, Resting Heart Rate, VO2 Max, just a number of push-ups… However, these tests are either expensive or/and inaccurate for some simple reasons. It is very difficult to develop standards based on a test time interval just because the number of sit ups, push-ups and their accuracy varies a lot during the test. In addition, heart rate measures after exercise are difficult to make accurately, you have to use a comprehensive heart rate monitor during the test. Anyway, these methods were created a long time ago, when computer did not exist yet, therefore should be excused for their inaccuracy.

Fitness test – newest, the most accurate, methods. What are the most effective and accurate methods in assessing fitness level today? Health Reviser’s Fitness Test is based on the one of the most accurate methods of fitness assessment. Computer diagnoses the autonomic nervous system response on a simple standup maneuver. The standup maneuver causes heart rate to rise within the first 10-15 seconds because blood pressure drops due to gravitational redistribution of the blood mass. Then the cardiovascular system attempts to compensate an orthostatic effect of standing up by constricting peripheral blood vessels. As a result blood pressure returns to its normal level and heart rate drops. Athlete body reaction is fast and strong, while sedentary lifestyle makes body react with a delay and a little amplitude. This serves as a base of determining a fitness level.

Fitness test – newest assessment from scientists. Fitness Test from Health Reviser was created by a group of scientists from USA, Europe, Russia, Japan and some other countries. Their research was based on a vast amount of fitness tests on volunteers of different ages and gender starting from people who never exercised and ending up with a national Olympic team. This research data allowed development of a unique algorithm of fitness assessment. This algorithm represents one’s fitness level on two different scales – absolute, where user’s results are compared with a full-range of individuals, another scale is age- and gender-related. The absolute scale compares your fitness level with beginners and top athletes of all ages and gender. If you are competitive, this is exactly what you need. Try to get the highest score and beat a national sport team. At the same time this is not a very good scale for beginners and seniors. At certain age it is very difficult, for even well trained body, to compete with 18 y.o. individuals because of body’s physiology (and in most cases it’s not a good idea). However, when you switch to the age-related scale, you can always get an excellent fitness score; and your goal would probably be to keep it for as long as possible.

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Four Initial Steps Towards End Result Fitness

Posted by admin on Thursday Aug 21, 2014 Under Health & Fitness

Gone are the days when people were not curious about their fitness. With the passage of time, most people now take keen interest in getting fit. They know how staying fit can help them improve their physical and mental efficiency. However, there is no scripted outline to ensure that you are on the right track. Nevertheless, you can always adopt a fitness strategy and stick to it to get quick results.

So, here is a step-by-step guide that will produce end result fitness:

Step # 1 Walk

The first step to getting fit is to walk more. If you observe your daily routine, you will notice that we hardly walk anymore. There are all kinds of transportation services available to make your journey easy and fast. However, it should not restrict you walking. For instance, it can be a good idea to take a walk to a nearby local store than taking a ride. All you need to do is add 15-30 minutes of walking into your schedule and you will start observing a drastic change in your overall fitness level.

Step # 2: Burn More Calories than You Eat

If you have allotted yourself enough time for exercising, you will never need to take any kinds of medications. Remember, if you want to get fit, you have to burn more calories than you eat. So, make sure you are keeping a log of your dieting plan and keeping a track of your calorie intake. Now, your next step is to exercise. There is no better way to burn your calories effectively than exercising. Also, it will help you increase your strength. If you are not sure where to start, you can always hire a personal trainer.

Step # 3 Cut down JUNK Food, but not the Food!

Most people take the word diet in a wrong sense. Dieting means to cut down the junk food from your regular meals and include healthy and fresh food. It does not mean to stop eating at all. In fact, cutting down all kinds of meals can harm your fitness in the long run. So, always remember to include healthy food in your meals. For instance, you can eat fresh green vegetables instead of ordering a pizza.

Step # 4 Commitment & Dedication

You can never get your desired end result fitness, if you are not committed and dedicated to your goal. You can read hundreds of books and make thousands of plans, but if you are not committed enough to your goal, you will never be able to get fit.

As far as the motivation is concerned, you can always visualize the fit version of you. Nothing will motivate you more than remembering the numerous benefits of getting fit. For instance, you will look better. Your mental and physical efficiency will improve and you will be living a healthier life. So, never underestimate the importance of your commitment and dedication.

To wrap it all, these are the basic four steps that will give you your desired end result fitness. However, as I said earlier, commitment and dedication is the key. If you are committed to your goal, you will have no trouble getting the results.

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Gama Fitness

Posted by admin on Monday Aug 18, 2014 Under Health & Fitness

It is very possible to improve your functional strength, speed, flexibility and stamina without going to a gym or using weights or machines. There is a complete system of fitness that you can use to change your body, improve your health, increase your level of fitness, and finally be in the best shape of your life. It does not take a lot of time or long boring weight training workouts either. The Gama fitness program was developed and inspired by the the great Gama of India.

Like most people you may be looking for that magic pill of fitness that will help you to finally achieve all your fitness goals. Although I don’t believe that there is such a thing, I would have to say that the Gama Fitness program comes pretty close.

If you have an open mind you will discover that there is an incredibly complete fitness and exercise system that you can use to take your body and health to the next level. As with any exercise program it will be up to you to take action on this fitness system or regardless of how good it is, it will not work for you.

The Gama Fitness System is a step by step, idiot proof way of transforming your body and achieving all your fitness goals. This system is complete and will take you by the hand step by step every day with exactly what to do, how to do it, how much to do, and when to do. There is no guess work involved whatsoever. Using your body to exercise has worked for thousands of people worldwide and the gama fitness system is a complete course based on exactly how to do calisthenics effectively to get results.

Personally I’m a bit biased because I’ve exercised like this since I was a child. I lift weights at least 5 times per week but that’s because I’m a competitive power lifter. If I didn’t compete in weight lifting I would not lift weights at all. I would simply use the exercises in the Gama Fitness system to keep my body health, strong, lean, and fit. It is my belief that anyone who wants to be their best physically could benefit from this program. It does not matter if you want to lose weight, get stronger for a particular sport or simply be in good shape, this system will work for you.

One of the best things about exercising in this manner is the lack of obstacles. You don’t need equipment, or a gym, just a small space in your living room or bedroom and you’ve got all you need. I sometimes like doing the exercises at the park or at the gym. It’s always amazing to me when I see the looks on some people’s faces at the gym when after a chest workout I start performing hindu pushups. I always smile internally because I can tell what they’re thinking. But if they only knew how powerful these were and how the contributed to my overall strength and development. It must work because I’ve been competing in power lifting since 1998 and I’ve never lost a competition.

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