Save money on Auto insurance

2. Multi-Vehicle Savings


If you’re insuring more than one vehicle, it’s always a good idea to insure all your vehicles with the same insurance provider.  Insurance companies offer a discount for customers insuring multiple vehicles, which will save you a percentage on each policy.

Save money on Auto insurance

3. Compound Your Savings

If you require additional insurance, including homeowner’s, tenant or condo insurance, find out what discount your insurance provider offers to insure your vehicles along with your other policies.  Most insurance companies offer discounts when you buy both your home and auto insurance policies with them, which could save you 5-10% off your total insurance cost.

4. Higher Deductibles

As a general rule, the higher your deductible is, the lower your insurance premiums will be.  As long as you can afford to have a higher out-of-pocket cost if something happens to your car, choose a $1,000 deductible instead of $500 deductible to save.

5. Cancel Collision Coverage

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Collision coverage is typically a significant portion of your insurance premium, and if you’re driving an older car collision coverage may not be necessary.  The value of your vehicle can be drastically reduced if it is older, has higher mileage or if it’s in bad shape.  If the value of your car is worth the same or less than your deductible, you’re likely better off cancelling your collision coverage and putting the premium savings away to go towards purchasing another vehicle.

6. Drive Better

Your insurance premiums are affected by your driving record, so it pays to keep it clean.  Tickets and convictions have a negative effect on your insurance rates for up to three years, and accidents can affect your rates for much longer (6 years or more!).  Drive safe every day to keep your insurance rates low.

7. Choose Your Vehicle Wisely

The type of car you drive influences your rates, depending on the average cost of claims for that make and model.  For example, four wheel drive vehicles often cost more to insure than their two wheel drive counterparts, as mechanical repair costs in the case of a collision on four wheel drive vehicles are generally more complex (and therefore more expensive).  Your insurance company will also look at how often a vehicle is stolen.  Before purchasing a new (or newer) vehicle, it is wise to check in with the Vehicle Information Centre of Canada, which can show you the difference in theft and claim rates for different vehicles.  By choosing a lower risk car you can reduce your annual insurance premiums.

8. Take Transit or Carpool

In your insurance company’s eyes the more you drive, the more likely you are to get in an accident.  And driving during rush hour (which is when most people commute to work) can be even worse.  This is why insurance rates are higher if you drive your vehicle to work.  Go green and take the bus, train, or join a carpool group to save money on your insurance, and the other costs associated with driving your car to work.

9. Get Educated

If you are a new driver, completing an accredited driver’s education course will result in significantly lower premiums for your car insurance in Canada.  Though the course will cost you initially, you’ll be safer on the road, and you’ll save on your insurance premiums every year.

10. Install an Anti-Theft Device

Your car is at a lower risk of being stolen when you have an anti-theft device.  Though most cars today come with a factory installed alarm system, and your insurance provider will have already discounted your policy to compensate for that, additional security measures may qualify you for an additional discount.  Check with your insurance company and see if having an alarm or immobilizer installed in your vehicle can further reduce your rates.

Weight Loss

Weight Loss Tips

Start with your diet. For fast results, you must change your eating habits. Because you want fast results, you must make some changes. However, just because you want to lose weight doesn't mean you can't eat.

In fact, you must eat in order to lose weight. Starving yourself causes your metabolism (the mechanism that burns fat) to go into hibernation, so that it can store up energy. This means that starving yourself is actually a really bad idea. You'll do harm to your body and wonder why you're not shedding pounds, even though you haven't eaten anything.

• It goes without saying, but you also don't want to develop an eating disorder. Anorexia and Bulimia are serious conditions that need treatment. If you think you might have an eating disorder, tell someone you trust and seek help immediately. No amount of weight loss is worth jeopardizing your health.

now and understand the food pyramid. Knowing how many servings of different types of food you should eat in a day is essential for healthy weight loss. You will need to eat and drink the following:

• A glass of water at meals and snacks are healthier choices than sugary soft drinks and artificial juice.
• Minimum 3 servings of fruit daily.
• Minimum 4 servings of vegetables daily
• 3-7 servings of protein[1] (meat, fish, etc.) and dairy (milk, cheese, yoghurt, etc.) daily
• 3-5 servings of fats[2] (nuts, peanut butter, etc.) daily
• Eat carbohydrates sparingly. Eating carbohydrates from artificial sugars and refined carbs (white bread, white pasta) will leave you bloated.

Mortgage Tips

Five tips for getting approved

Applying for your first home loan is a little like opening up your underwear drawer to strangers. You can take some of the unpleasantness out of the process by knowing what lenders are looking for.

According to John Turner, director of mortgage sales at BMO in Toronto, Canadian lenders use the five C’s of credit when assessing your ability to pay back a mortgage.

    Credit history. Your lender will want to make sure when you’ve borrowed money, you’ve paid it back
    Capital. Ensuring you’ve accumulated assets
    Collateral. When it comes to a mortgage, you’re putting your house up as collateral
    Capacity. In short, capacity is debt servicing. For instance, your housing cost shouldn’t exceed 30 per cent to 32 per cent of your gross income and all of your debts shouldn’t exceed 40 per cent to 42 per cent of your gross income
    Character. It’s an evaluation of all four previous C’s as well as subjective and objective things such as how long have you been in your job, what type of job you have and how long you have lived in your current residence

But what can you do to improve your chances of getting approved? These five tips will help you get that final tick of approval:

Get preapproved, but understand what type of preapproval your broker/banker is performing
“Not all mortgage preapprovals are created equal, so it’s important to understand what kind of prequalification you’ve been provided,” says John Turner, director of mortgage sales at BMO, in Toronto. Whether or not the mortgage specialist has done credit checks and verified income and the source of your down payment could affect whether you’re approved in the final stages.

Bring in all verifiable information
Be sure to bring in a letter that states your income, pay stubs banking information that verifies the source of your down payment. “Having that info all readily available will provide you with a preapproval with less conditions (some say subject to satisfactory income or down payment verification),” says Turner. “Get all that stuff out of the way, so it’s one less thing to worry about.”

Ask to have your banker/broker check your credit history
Not all bankers/brokers will do this at the preapproval stage. However, it could prevent you from getting final approval. So if you’re not sure, ask.

Build credit history, if you don’t have any
Turner recommends applying for an RRSP if you’re in the soft stages of buying a home. It will appear on a credit report. That loan is going to create the down payment for you.

Avoid lavish purchases and job changes
Don’t run out and buy cars or run up credit cards before you buy a home because it will impede the amount you can qualify for. In addition, don’t change your job within six to eight months of buying, because a lender will look at that, but Turner says, depending on the industry you work in, if it’s a natural progression, it will be looked at differently.

Earning Tips

Make Money Online

• You may be confused and may not believe that you can get paid for  simply searching the web. But, it is normal to be confused and not to believe in the first place, because I was also once in your state. At first, I was  bewildered and amazed, but after reading the reviews of thousands of people, I finally admit that we actually can make money very easily just searching the web. However, let me come to the point and reveal that secret of earning money from simply searching the web, which is very very easiest method of making money online without any effort or change in your behavior. First step of getting into this method is to get sign up with the company called  Qmee.com. Qmee.com rewards you for searching in Google, Bing or Yahoo. Qmee results appear alongside your search. Each Qmee result has a cash reward attached. If you are interested in the result, click on it and collect your reward. Your earning  varies from a few cents (or pennies) to up to a dollar (or pound). I Hope this article help you to get some ideas on getting paid for simply searching the web. Happy earning guys. If anyone get real experienced with Qmee.com and earn some money, Please share with us....

• Do you know that Amazon offers a affiliate program, from that you can make some decent money online. If your already a blogger or running any websites, then you can apply for Amazon affiliate program and start earning from it.You can earn commission from every purchase that you made through your website. You can get 4 to 15% in commission from qualified purchase through your website referrals. Write consistently and drive as much visitors as possible to generate more revenue from amazon affiliate program. Happy earning. Good Luck! 

• If your good at writing and enjoy writing, then you must consider Freelancer as a part-time earning job. You can be a freelancer writer and write for any available writing jobs that you think you really wanna do.www.freelancer.com/signup, then complete the registration form.After your all set, you can expect to get some writing jobs within few days. Don't forgot that having good writing skills is your key to success as a freelancer writer.
  In order to be a freelancer writer, you must sign up first at Freelancer.com

• Online survey: Have you ever know that you can utilize your spare time to earn some extra bucks for your pocket money. Today, in this short article I'm going to show you some real and easy way of making money online. In your spare time all you have to do is to fill some survey online, which is very easy and take no more than 5-10 minutes to fill it out, but in order to get those Survey you have to register first. Its very easy to get registered and once your registered you can expect to get some Survey into your email in almost a regular basis. For your convenience, I have collect some Survey Companies where you can get registered and start earning right away. Just to be said, there are many Survey companies that you can find on internet, but sometime, only some works great. A few good ones to try are:Panel, MySurvey, YouGov, SurveyBods, Valued Opinions, iPoll, Global Test Market, Hiving, PanelBase, Harris Poll, Opinion Outpost,Yourword, Pinecone, IPSOS, New Vista, Toluna, Vivatic, The Opinion .
  Hope this article helps you in making some decent money online. Please do share, if you like this article.

Earn Money From Affiliate

                 

   Generate More Money From Amazon Affiliate Program

Do you know that Amazon offers a affiliate program, from that you can make some decent money online. If your already a blogger or running any websites, then you can apply for Amazon affiliate program and start earning from it.

You can earn commission from every purchase that you made through your website. You can get 4 to 15% in commission from qualified purchase through your website referrals. Write consistently and drive as much visitors as possible to generate more revenue from amazon affiliate program. Happy earning. Good Luck! 

How To Earn From Blog

Write Quality Content And Earn Money From Your Blog

These days, internet is the very powerful and popular place for anything. These days, people would search about Fashion world to about their Health, Movies reviews to about legal adviser on internet. Since internet is being using as a tool of people's research and queries, as a blogger you can profit from it. But, how you will do it, let me explain you.

There are millions of blogger all around the globe and it will be very tough to attract more readers to your blog, but remember its tough but not impossible. How you can drive tons of visitors to your blog, you may be curious to know it. Its very easy and its not a new thing to you,if I say that Quality Content article is the main key to becoming a successful blogger. Yes, you heard it right, writing a quality content article can attract tons of visitors to your blog because millions of people everyday searching about Fashions trends to regarding their Health issues, such as losing weight, etc etc. Writing quality content article  knowing about what people are mostly searching on internet will enhance your blog traffic and end up you earning thousands of dollar from ads revenue. So, as a blogger start writing a quality content article and make consistent money from your blog. 

Get paid for searching the web

Get paid for simply searching the web

You may be confused and may not believe that you can get paid for  simply searching the web. But, it is normal to be confused and not to believe in the first place, because I was also once in your state. At first, I was  bewildered and amazed, but after reading the reviews of thousands of people, I finally admit that we actually can make money very easily just searching the web. 

Earn money with Qmee.com

However, let me come to the point and reveal that secret of earning money from simply searching the web, which is very very easiest method of making money online without any effort or change in your behavior. First step of getting into this method is to get sign up with the company called  Qmee.com. Qmee.com rewards you for searching in Google, Bing or Yahoo. Qmee results appear alongside your search. Each Qmee result has a cash reward attached. If you are interested in the result, click on it and collect your reward. Your earning  varies from a few cents (or pennies) to up to a dollar (or pound). I Hope this article help you to get some ideas on getting paid for simply searching the web. Happy earning guys. If anyone get real experienced with Qmee.com and earn some money, Please share with us....