Trying to settle on the right car insurance can be challenging for someone that is not used to shopping around for insurance. Falling in love with a low premium can be a dangerous thing when the deductible means that the bank account will be drained if the insurance is ever needed. It is important to choose a car insurance deductible that is just as affordable as the monthly premium.
The car insurance deductible is the amount of money that the car insurance policy holder is liable for if the policy is needed. People on tight budgets will sometimes try and save a little each month, but when it is time to use the policy, they cannot afford to cover the large deductible that is required in to get their car fixed. All of a sudden, the policy becomes useless to them.
For the most part, policies will be listed directly on insurance websites. All of the details may not be listed, but there will be plenty of information to narrow down the choices. Restrictions on what they cover and what the deductibles are should be readily available. Just be careful to make sure that as the choices are getting narrowed down, that the deductible that goes with the premium can be covered.
When shopping around, the money that the insured can afford to pay each month is of vital importance. Many people will set aside a slush fund that they will only use for their car. This is a great idea because it allows the individual to know exactly what kind of a deductible that they can afford. For instance, if the insured has $1,500 in the bank specifically for car repairs, they can search for all policies that have a deductible of $1,500 or less.
Trying to crunch all of these numbers is not as difficult as it seems. The insurance companies will try and make it as easy as possible by having deductible calculators on their sites. The shopper can put in the amount of money that they can afford to pay each month or each year and the site will begin to show the policies that fall into that range.
It is so much easier today to find the right policies because of the Internet. The shopper can go from site to site and match up the different policies or they can go to all-in-one sites that will allow the shopper to get an email with the different policies that several of the sites offer. All of this makes finding the right policy much easier than it was as little as 5 years ago.
If this is still a bit much to try and figure out, get the help that is available right from the website. Many of them will have a live chat that the user can use to talk to a representative about the different policies. If this is not available, give them a call or use the email that is supplied to get a quick response.
Shopping for car insurance can be a chore, but knowing what car insurance deductible is affordable is a great starting point. This will get the shopper started in the right direction and will not waste any time looking at policies that are simply not realistic. Remember, the more that can be covered out of pocket means the lower the policy monthly premium will be. For those with a good driving record, this can be a huge money saver.
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Another strategy for producing an e-book is to ask others to write it ror you. Some of the most successful e-book promotions have featured e-books with multiple authors.
Why would an author give you a chapter for your book?
Because you will encourage them to include their contact information and links to their web pages, that’s why. The more copies of your book that you sell or give away, the more traffic they get to their sites. More traffic equals more .
Here’s how I used this technique.
At our weekly mastermind meeting, I cracked a joke about The Myth of Passive Income (www.mythofpassiveincome.com). I was whining because I had spent two whole hours filling orders and answering customer service emails.
This was the internet age-I was supposed to be sitting on the beach smoking a Cuban cigar and drinking espresso while the money magically appeared in my bank account, wasn’t I?
The reality, as most successful internet marketers will tell you if you catch them out of the public eye, is that most successful internet marketers work long hours to create passive income. Especially in the beginning of your internet marketing career, passive income is a myth.
Joe Vitale laughed at my joke, and then decided it would make an interesting book. So he contacted several of the top internet marketers and asked them to write a chapter about their passive income experiences. In a couple of weeks, we had over twenty chapters, from some of the biggest names in the business.
You can see the final product at www.mythofpassiveincome.com .
This technique will work for almost any subject. For example, if you wanted to write a book about running a successful E-zine, you could email the authors of the most successful E-zines and ask them to contribute a chapter.
I suspect most of them would jump at the chance. Every copy of your e-book will be an advertisement for their E-zine.
When it came time to approach Joint-Venture partners for the e-book, we approached the co-authors. They were happy to make money from the e-book. Of course, it would be interesting to their lists- since they’re in it.
This generated a lot of , but more importantly, each person they sent to our site had the opportunity to sign up for our list. This is a great technique for “creaming” another marketer’s list. We were able to identify, and gain access to, the members of their list that were interested in our products.
This has led to some great relationships with our new subscribers, and subsequent of other products.
Get the idea?
Use Interviews To Write An E-book
A variation on having others write your book for you is to use interviews.
This is just a little more work, but there are a lot of benefits to this method. Remember that the interview can be conducted by phone, in person, by email- sometimes, the method you use to interview the expert can be a selling point. Be creative!
People who might not take the time to write a chapter are more likely to have a conversation with you, especially if you entice them with an ethical bribe-in this case, you can offer to include their contact and information in the chapter you create from the interview.
Remember, these interviews can be done over the phone or through email.
For example, suppose you wanted to write an e-book about the best way to a used car. You could arrange to talk with a broad range of used car salesmen. What are their tricks? What techniques do they use to get customers to ? What should a customer ask? What should a customer be afraid of or concerned about?
Most salesmen will happily talk about their business, if you can convince them that it will attract more customers.
In this case, I’d ask them about the dirty tricks other salesmen use.
If you’re writing an e-book about a topic you’re very familiar with, you can interview yourself!
Once you’ve got your interviews, you’ve converted your authoring problem to a typing problem. You can even hire a transcription service to type it for you.
Writing your book from interviews has a hidden benefit-you nowhave an audio product to sell! You can use your interview tapes as the source material to create CDs or you can convert them to MP3’s and sell them as digital products.
One example of an interview mp3 product is at www.e-bookproblemsolver.com. I interviewed Dr. Joe Vitale on the subject of e-book production and marketing, converted the interview into mp3s and put them online. After listening to that interview, you should be able to come up with a topic, write the e-book, get it online, and sell it. The whole production took less than four hours to create- and was a lot of fun.
Right now, the most popular e-books are the ones that explain how to do something: how to save money, how to make a web page, how to fix a car, how to satisfy your lover, how to bake a great cheese-cake- even how to write an e-book!
You’re looking for an expert, but don’t get in a rut about what constitutes an “expert.” Here are some potential subjects for your interview. I’ll bet you can think of many more.
Real Estate Agent-real estate is the most expensive purchase most of us will make. People want information about how to make these purchases intelligently. how to finance your first real estate purchase, how to rent to own, how to sell your house yourself without an agent, how to prepare your house to get the best price when you sell it- here’s a hint- bake bread before the prospective buyer shows up!
how to qualify for a mortgage
how to get the most house for your money
how to make money on rental property
Insurance Agent-Insurance is a subject that is mystifying and scary tomost people.
How to life insurance
How to health insurance
Different types of life insurance, who should what?
Major medical versus full coverage
Day Care Center worker/owner-
How to find a safe day care center
What are the dangers?
Licensing of day care centers
Montessori vs. traditional
There is no limit to this- find a problem and solve it. Then sell the solution.
Coffee Shop employee-
How to make the perfect cup of coffee
The best beans
Easy mistakes everybody makes
Eco-Friendly coffee-why it’s good for you and good for the planet.
Grumpy customers-nightmare stories from the coffee shop
Internet Gurus-this is an area that is saturated. If you’re going to write about making money online, you need to have a unique perspective. One of the most popular e-books right now is a series of interviews with “unknown” online marketers. Find an angle that nobody else has exploited.
Here are a few I’ve come up with.
Secret lives-what’s unusual and unknown about internet marketing celebrities? Do they play guitar, paint pictures, climb mountains, write children’s books, work for charity?
People are interested in the human side of celebrities.
Rags to Riches- this one always works.
Unusual success-everybody markets information products. Can you find someone who markets something really unusual online?
Riches to Rags-Mistakes are how we learn. It’s less painful to learn from someone else’s mistakes.
High-School Students-this is a big market. When you add in their parents, it’s one of the biggest.
How to make great grades
How to use high-school to prepare for college
Social games and how to win them
How to be yourself and survive high-school
Fashion secrets for high-school students
College Students-
How to make money while you’re in college. See if you can get Michael Dell! How to start your career while you’re still in college. Many industries, including banking, financial planning, , and CPA’s have mentor programs for students studying their field.
How to survive college
99 ways to pay for college
How to get a grant, scholarship, or loan for college
Retirees-
Just because someone has reached the mandatory retirement agein their industry that doesn’t mean they immediately lose theirvalue. And because they are retired, they probably will welcomethe opportunity to help you with your book!
Industry survey- what jobs provided the most satisfaction?
How to retire with a comfortable income
How to survive retirement
Insider secrets to (whatever industry they retired from)
I hope you’re getting the idea that almost anybody can be an expert, and a resource for a profitable e-book, if you create the right questions.
Pat O’Bryan is the CEO of Practical Metaphysics, Inc., Director of the Milagro Research Institute, an award winning songwriter, recording artist, visual artist, author, video producer and internet marketer. He is the host and promoter of the “Your Portable Empire” Un-Seminars.
Work at home, or from anywhere – http://www.patobryan.com
Perhaps it’s because there’s a close cultural connection between great music and smoky bars. Anyone who knows anything about jazz knows that its truly legendary improvisers – Coltrane, Bird, Miles Davis, Dizzy Gillespie – cut their teeth playing in bars so smoky that it’s a good thing everybody was too busy improvising to need sheet music.
Or maybe it’s because both cigars and music are contemplative pleasures. A casual smoker can get a quick tobacco-fix from a cheap cigarette, just as a casual music listener can enjoy the background hum of pop songs on the car radio. But to really enjoy a great performance, or a good tobacco, sitting still and paying attention are necessary.
In any case, music and cigar smoking seem to belong together, and some of the most famous musicians are (or were) cigar devotees – just as, it turns out, one of the most famous of cigar devotees is also a musician. Avo Uvezian, the maker of Avo cigars, is also a respected classical and jazz pianist, a Julliard graduate, and even the one-time official pianist of the Shah of Iran. After a successful musical career based first in his native Middle East, and then in the contiguous United States, Uvezian moved in the 1980s to Puerto Rico, where he opened a restaurant and bar and dabbled in cigarmaking. After customers at his Puerto Rico restaurant told him how much they enjoyed some cigars he’d had rolled himself, from a blend of tobaccos he hand-picked, he opened his own Dominican Republic-based cigar factory, working with noted cigar maker Hendrik Kelner. Now his company makes three million cigars a year, and Uvezian himself still makes music – his first CD, Legacy, was released in 2004.
For another example, consider the great trumpeter Arturo Sandoval, who smokes, by his own estimation, four or five cigars a day. Music allowed the Cuban-born Sandoval to rise to fame in his native Cuba – and to defect from that country in 1990, during a long stint playing concerts in Europe (he now lives in Florida). Sandoval has played the horn for Lionel Hampton and Dizzy Gillespie, Gloria Estefan and Johnny Mathis, Michel Legrand and Frank Sinatra. His technically flawless playing has resulted in his being the kind of musician whose work is often known by people who couldn’t name him – he is brought in as a session musician by some of the world’s finest and best-known (see above), and he often scores movie soundtracks. As his work with the BBC Symphony Orchestra and the Leningrad Philharmonic prove, he’s even proved able to handle the rigors of classical music as well as jazz – sometimes doing both in the same concert.
The cigar-music connection is especially strong in Cuba, known as one of the world’s cigar capitals. Both cigars and music are staples of island life (the cigar remains one of the island’s most prominent exports), and the strength of both in Cuban culture depends partly on the nimble and intelligent blending of elements from everywhere – wrappers and fillers from different parts of Latin America, rhythms and melodies from the African coast, South America, US pop, Western European classical, etc. In other words, Cuban cigarmaking and Cuban music have both survived, and flourished, by mixing and melding.
For generations, cigar rollers were entertained by the sound of paid musicians or by music from the radio. (This tradition continues even now in the Dominican Republic, where workers at the Arturo Fuente factory, among other places, are treated to the work of performing musicians.) With this tradition in place, it’s no wonder that some of Cuba’s music legends got their start as cigar-factory entertainers; and since tobacco smoking has been a part of Latin American life far longer than it has in some other places – Columbus’s sailors noted it being smoked in what is now modern Cuba in the year 1493, so there’s many more centuries of lore to draw on its psychological and emotional associations are deeper and richer, providing better material for songwriters to mine. Thus famous Cuban songwriter Beny More, himself a former entertainer for the cigar-factory workers, touches on the song in a number of his classic compositions.
provides you the opportunity to build your own sampler of the finest cigars that include cigar brands like Montecristo, Romeo & Julieta, H Upmann, Macanudo, Cohiba, Partagas, Gurkha and many more. Choose from more than 1200 different cigars! Other cigar products include cigar humidors, cigar boxes, and cigar accessories like Zippo Lighters.
Sometimes, we learn things out of necessity. This happened to me when I learned how to drive a stick shift. In this article, I will tell you how I learned to drive a stick shift in an effort to help you achieve the same goal.
My story of necessity begins on my 16th birthday when my parents were out of town. They left me at home for two weeks with the idea that, since I was 16 and car-less, I could not get into too much trouble. My mom said with a smile as she left, “Honey, when we return, I will take you to get some driving lessons so that you can get your driver’s license.” Little did she know of my conviction to get my driver’s license, and a car, while they were out of town.
So, I had a goal of getting a car and a driver’s license quickly. However, how do you get a car without a driver’s license? For that matter, how do you even get to the car dealership?
Well, I called my friend Jenny who gratuitously offered to drive me to the car dealership. I had searched for the and picked out my car in the newspaper. Upon visiting the dealership, I quickly realized that the car in question had a manual transmission.
I was fairly adept at an automatic transmission after some lessons with my dad (that my mom did not know about), but I had no idea how to drive a manual stick shift.
Using the money that I had saved from my summer job, I bought the only car that I could afford, which happened to be this car with the manual transmission. I worked out a deal with the girl that if I bought it, she would drive it back to the house for me.
Thus, I found myself sitting in my driveway, staring at my new car, with no idea how to drive it. Now-a-days, there are online instructional videos for this type of thing but, in those days, this did not exist.
With the little that I was told by the person, I put the car in neutral and rolled out of the driveway. I played with the gears a bit, with the clutch held down, to get a feel for where they were. Then, I tried to go in first.
The car died. But after three attempts, I realized that I needed to let the clutch up slowly while pressing the gas a bit. As I got going a little faster, I put the car in second gear. Things were a bit jerky as I drove around the neighborhood but I was managing. After about one hour of driving around in my neighborhood, I had basically learned how to drive this stick shift.
I then proceeded to get my driver’s license and I found a list of the that provided the best plan. I selected the least expensive one and I was all set now with a car, a license, and insurance.
When my parents arrived home, they asked me: “Whose car is that in the driveway?”
I answered proudly: “It’s mine.”
If you are interested in through free how-to videos, visit the page at ThisIsHowYouDoIt.com, your home for how-to videos. The author, Richard Tyler, is a technologist, writer, and generally curious bloke!