Sunday, June 12, 2011

Dan Newlin

Dan Newlin.  This year Memorial Day will be observed on May 30, which is the last Monday of the month. Originally called Decoration Day, the holiday was established to honor soldiers from the Civil War who died while in service. After World War I it was extended to include Americans who have died in all wars. Since Memorial Day was established as a day of remembrance, I thought it’d be nice to take a moment to recognize all the men and women who have served their country in uniform. In the comment area below feel free to post a message of strength and hope and thanks to anyone who has or is presently serving in a branch of the U.S. armed forces.

Wednesday, March 30, 2011

Wiz Khalifa Rolling Papers

Rolling PapersTry as we might, we just can't seem to figure out what theme Wiz Khalifa is going for with his cover art. It's still no Kush, Oj, but just give Wiz some time, this guy is still pretty young (23). Rapper Wiz Khalifa has released the track listing to his long-awaited 'Rolling Papers 'album, due March 29 on Atlantic Records. Wiz Khalifa dropped by the station to talk about his new album “ Rolling Papers ” and played Wii basketball with a lucky fan!. Basically, Khalifa has created a fun composition perfect for the spring.

Sure, Wiz has a great ear for beats [something that many artists are just terrible at], but I just wanted more from Khalifa, a lot more. On March 28th at 10pm, select FYE stores will host after-hours listening parties to celebrate the 3/29 release of Wiz Khalifa's new album, " Rolling Papers ". Here is the official track list to Wiz Khalifa's Rolling Papers. BBC Music Review of Rolling Papers by Wiz Khalifa After a string of excellent mixtapes and releases on independent labels, Wiz Khalifa (aka Cameron Jibril Thomaz. The 'Black and Yellow'hitmaker said title of his new album is not just about weed, but it's bigger than that.

HipHopDX just put out their review of Wiz Khalifa's upcoming album. Wiz Khalifa announced his album title over Twitter on Wednesday night, a name that should earn the Pittsburgh rapper two (green) thumbs up from his Taylor Gang. As you may or may not know, Wiz Khalifa has released his newest album, “ Rolling Papers ”, today. Wiz Khalifa's “ Rolling Papers ” album drops today, March 29. Rapper Wiz Khalifa has released the track listing to his long-awaited Rolling Papers 'album, due March 29 on Atlantic Records(point)The record will be the major-label debut for the two-time Best Male Artist winner at the Pittsburgh Hip-Hop Awards and Source magazine's 2010 Rookie of the Year.

Many people who pay attention and listen to popular rap may think that Wiz Khalifa is an up and coming rapper. Album Cover could be brightest spot of album well its been a few days and I’ve tried to let the new Wiz Khalifa album, “Rolling Papers, ” grow on me. Rolling Papers Wiz Khalifa Wiz Khalifa album Rolling Papers comes out today in stores from Atlantic records. The Rolling Papers cover shows the rapper in a cloud of smoke! The rapper was arrested in November 2010 on drug charges. Wiz Khalifa's Rolling Papers album is aiming for number 1 in the Music Billboards against Britney's album.

Wiz Khalifa spent a number of years in the indie circuit after he entered the rap game in 2005. Wiz Khalifa Rolling Papers:Rolling Papers is the third album by Wiz Khalifa, a young rapper from Pittsburgh. Rolling Papers is the third album released by Wiz Khalifa, a young rapper from Pittsburgh. First look at Wiz Khalifa's Rolling Papers Tracklist which is released on March 29th. Wiz Khalifa Rolling Papers, Rolling Papers is the third album of young rapper from Pittsburgh Wiz Khalifa was released.

The album includes the first single “Black and Yellow ', produced by Grammy winning team of Stargate. Last year, a relatively unknown rapper from a city not traditionally known. Wiz Khalifa is celebrating his debut major-label release with " Rolling Papers " to rave reviews. Wiz is the definition of a sell out and has established himself as a pop icon for middle school girls. Wiz Khalifa's Rolling Papers : The Reviews Are In! Wiz Khalifa's Rolling Papers : The Reviews Are In! March 29th, 2011 by Kyle Anderson at MTV Newsroom.

Preorder and download songs from Rolling Papers by Wiz Khalifa on iTunes. A 23 year old man Wiz Khalifa released his new album with name of Wiz Khalifa Rolling Papers and also hip-hop mixes with synth jams. Today, the new album Rolling Papers from Pittsburgh rapper Cameron Jibril Thomaz, more commonly known as Wiz Khalifa, hits the shelves. From being 1/10 of the XXL Freshmen list to covering Rolling Stone magazine, Wiz Khalifa is a true testament to the cliched saying.

Annual Credit Report

101 Ultimate Tips for Boosting And Repairing Your Credit ScoreFederal law requires the three main credit reporting agencies provide a free credit report upon request once a year. Credit report is probably the most important piece of personal financial information you need to know after your bank. Unlimited access to all free credit scores based on data from the 3 major bureaus. And it'll actually take you to each of the three credit companies to get. By simply To secure The best free annual credit report, You are Ensure that both the Fine Choices use A person's report, Unfavorable which might Young Take advantage of removed.

These also help you in understanding about your shortcomings. You can get your annual credit report from each of these once a year or you can spread it out. Beware of e-mails, banner ads, pop-up and pop-under Internet ads, and telemarketing calls that promise to obtain your "free annual credit report" on your behalf. The free annual credit report is supported by the federal government and FTC and offers a free credit history analysis from the bureaus of Experian, Equifax and Transunion. There are three main reasons to get a copy of your free annual credit report.

Find out all you need to know about accessing your annual credit report. See if that bill is showing on your reports – any of the 3. Each year, consumers are entitled to a free annual credit report from each of the reporting agencies. There are three major places that keep track of your credit score and you will be able to get a free report from them once a year. Free Annual Credit Report, Reports, Credit, Fair Credit Reporting Act, FCRA, Experian, Equifax, TransUnion.

First, go to the annual credit report and get a copy of your credit report and see if it is on there. This report is offered by different credit bureaus and all of them put forward different viewpoints on your credit worthiness. Regularly checking your standing shows your creditworthiness. Federal law gives you the right to order a free annual credit report from each of the three credit bureaus. The FCRA requires each of the three national consumer credit bureaus -- Equifax, Experian.

An increasing amount of consumers are doing more damage than good to their credit rating with lenders because they are continually enquiring about different. Under the FACT act you're entitled to a free annual credit report. The hardest part about the whole process is remembering. Your credit score affects a lot of things so don't put off checking your free credit reports much longer. Free annual credit report is widely acceptable financial report in the credit world.

Credit reports are really helpful as they provide a perception towards our personal life and health along without finances. Sometimes there are mistakes and things that may appear on your report and if they can challenge you and get them fixed so as not to appear on your report longer. Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the Fair Credit Reporting Act, all consumers are entitled to a free annual. A free annual credit report is essentially the data of your credit history or your credit rating in the market. If a person only checks his or her credit once a year, he or she will be able to obtain his or her score free of charge.

Since 2005, all Americans have the legal right to obtain a free annual copy of their credit report from TransUnion, Equifax and Experian credit reporting. Understanding Your Credit REPORT S The "Fair Credit Reporting Act" controls how your credit history is kept, used and shared among lenders. Under the FACT act you’re entitled to a free annual credit report. With identity theft on the rise, it has never been more important for consumers to stay on top of their credit reports. Fight identity theft by monitoring and reviewing your credit report.

They claim to offer you a “free” credit report, but if you apply for one at their site, you will have to sign up for something they are selling before they will help you get the free report you are entitled to by law. Free credit report and credit report monitoring service helps guard against credit report errors, spot identity fraud and finds cheap credit. If free credit reports are available in your state through the Annual Credit Report Request Service, you can request a free annual credit report by phone or mail and it will be mailed within 15 days.

Gluten Free Diet

Gluten-Free Diet: A Comprehensive Resource Guide- Expanded and Revised EditionGluten - free diet support, gluten-free friendly restaurants and recipes. Gluten - free diet : A gluten - free diet is a diet that is completely free of gluten, which is a generic term for storage proteins found in grains. It seems like everyone is trying to go gluten - free these days. Enjoy these healthy and delicious gluten free recipes from EatingWell. If you or someone you know is on a gluten-free diet, I hope you find hope, help, inspiration, and ideas here.

Recently, a good number of readers have inquired about how to avoid the high cost of a gluten - free diet. Does smoking impact celiac disease? Are cigarettes gluten free ? Here are a few interesting answers plus other answers that are still a bit out of reach. I was on a diet about a year ago and i ate only lean mean and wheat products, and i dont remember if this is considered a gluten free diet or is this a diet where you eat gluten. Coeliac disease can be managed by sticking to a strict gluten free diet. So a gluten free diet means no bread, no cereal, no pasta, no beer, and no soy sauce (unless they are specifically made “gluten free”).

In week 3 of my diet, I didn't lose any weight… This was my best week yet eating and exercising, so I was expecting something. West Shore Endoscopy Center's Web Site includes office information and patient education material on digestive and liver disorders, and nutrition. It is hard to absorbed for many people, and even more harmful for those who suffer from celiac disease. Sells a range of gluten free food items such as cakes, cereals, cookies, flour, and crackers. Gluten Related Reference Material at the Georgetown Public Library: Celiac Disease: A Hidden Epidemic Peter H.

What has been found is that celiac patients, in fact anyone on a gluten - free diet, have an altered make-up of bacteria in the colon which favors the unwanted bacteria. However, with the success rate for recovery at between fifty and ninety percent after the implementation of a gluten - free diet, it is obviously worth it to try to eliminate gluten from your diet even if you only suspect your are gluten intolerant. Celiac disease, also known as gluten intolerance, is a genetic disorder that affects at least 1 in 133 Americans. Gluten is a protein found in various cereal grains, such as wheat, rye and barley, and is very difficult to avoid. What has been found is that celiac patients, in fact anyone on a gluten - free diet, have an altered make-up of bacteria in the colon which favors the.

People with celiac sprue suffer from abnormal immune reactions to gluten - containing foods. Gluten Free Diet So what exactly is Gluten and why is it so problematic? Gluten is a protein found in wheat, barley and rye products and makes bread nice and. However, many health experts believe that we'd ALL benefit from following a gluten - free diet. Best Selling gluten - free grocery shopping guide with over 30000 gluten - free products. I am considering doing the advised gluten-dairy-sugar-caffeine free diet and have to accept that there is not much left I like.

Do you know anyone who follows a gluten free diet ? If not, then you do now, because I follow a gluten free plan myself. The only limit to making gluten - free recipes with soul is your imagination. Introduce additional gluten-free diet choices to build a personalized healthy diet. At least, it can be a not-terribly-unhealthy part of the gluten - free diet. They spoke about how gluten-free foods were two to three times more costly.

A diet lacking in fiber can spell problems for the digestive system. National Foundation for Celiac Awareness (NFCA) is a non-profit organization dedicated to raising awareness for celiac disease and gluten intolerance. An astonishing revelation that may upset a lot of people who place themselves on gluten - free diets to lose weight is that not all gluten - free diet foods are as good as they think they are. There has been an increasingly growing problem in our country and that is the intolerance of gluten. She stresses the three main reasons why a gluten-free diet may actually be the cause of the excessive weight gain which studies show that 81% of celiac.

Gluten - free, casein- free diet information including lists of foods containing gluten and casein, alternative foods, why these food proteins can be a problem and the use of a diet free from them in autism, irritable bowel syndrome (IBS) and other. Living a gluten-free diet is common for those with Celiac's disease or who have a gluten allergy, but for some it also parallels a vegetarian or vegan lifestyle. Elisabeth Hasselbeck: The G-Free Diet - In this all-inclusive book, Hasselbeck gives you everything you need to know to start living a gluten - free life.

Monday, March 07, 2011

Work Permits

Obtaining Visas and Work PermitsWork permits give an individual the right to legally work. In many states a person that is under 18 years of age needs to obtain one. This is to ensure child labor laws are not broken. There are a few exceptions to getting such a work permit though. Children under 18 can work in a family owned business without one such as waitressing. Agricultural jobs don't require one. They can also do domestic work such as childcare and house cleaning without one.

These work permits generally can only be obtained with the consent and signature of their parent or guardian. Some schools offer work permits for students that have been doing well in their classes. Some seniors only have to attend school part of the day and then they can work in a business for the rest of it. They must have all of their school work completed and good grades. They also need the approval and recommendation of their school counselor to do so.

The work permit is going to be very specific with the information it contains. Generally a copy of their information including a birth certificate, social security card, and photo ID will need to be give to the employer. A complete description of the job must be obtained and it will have the limit of the number of hours the student is able to work. In some states there is a small fee for the cost of a work permit that is the responsibility of the student.

Many individuals have to obtain a work permit when they are in a country that they aren't a citizen of. Individuals going to Canada will have to apply for such a work permit before they can even start looking for jobs. Anyone that is in the United States working for migrant farmers need to have a work permit in place as well. Of course many of them are here working illegally but that is a risk they often take in order to make money. 

Getting caught without a work permit can result in a person facing fines and being deported. It can be a long process that is very involved. In some countries a person without a work permit will also be sent to jail. It is best to just find out what the process is to get the work permit you need and to follow through with it.


Construction PERMIT Holder Box - for Builders & Contractors - EconomyA permit is a piece of paper that gives a person the permission to do a particular task. There are many different types of them that can be found in our society. The goal of such permits is to make sure people are doing what is legal and right. Some permits have a limited number of them such as those for hunting and fishing. It helps to ensure our wildlife are able to still have a good balance out there while people can still enjoy these activities.

In order to gain a particular type of permit you will need to apply for it. Various types of verification may be required. Depending on the type of permit, you may need to provide verification of your identity with a photo. Proof of age, citizenship, and certain skills may also be required. If you are applying for a handicap parking permit you will need to show proof of medical documentation as well.

Some types of permits are free of charge but others have a fee associated with them. Generally you will have to pay the fee when you submit your application. You will need to look into the specifics of these details in order to find out what all is required. Make sure you are only paying that fee to the right agency that is authorized to charge for them. 

For example if you are applying for a work permit, there are many scams out there. You don't want to pay for what turns out to be a fake one. You want to do things legitimately and apply to the right offices. You can easily do a search on the internet to find out what types of permits you need to do something.

A permit can also give you permission to do something such as build a home or a business. This s a requirement you don't want to miss. It can halt the completion of the project and cost you money if you haven't gone through the proper channels to get such permits for the work.

Permits are a way for certain agencies to keep track of what is going on around them. They need to keep track of who has access to what. For example the DMV has a record of youths that have a driving permit. There are often serious fines and penalties for not complying with the terms of a given permit.

More permits information:

Building Permits

Establishing Building Permit FeesIf you want to build something such as a home or business you can't just do so because you want to. Even if the location is already there and you want to make some additions or changes you need permission. You will need to apply for and obtain building permits which you can get locally. There are various costs associated with them and you won't be able to begin an of the work until you have received them. 

Should your request for a building permit be denied, you do have the right to appeal the decision. In most instances this must be completed within 30 days. These requests have to be submitted in writing in order to be accepted. Should you decide to proceed anyway without the right permits you will be heavily fined. If you hire a contractor to do the work for you they will take care of obtaining the various permits. Make sure you look at them to verify they do indeed have them.

One of the main reasons why there are building permits is to make sure certain code requirements are followed. These will vary based upon the location where a person resides. These have to be in place to make sure that the structure is going to be safe for people to be in. These various codes must be followed to the T or you will not be able to use that structure. A full inspection will be done upon the completion of projects to ensure the proper procedures were followed.

Building permits and codes also serve to protect consumers. Contractors make money by the jobs the complete. It is in their best interest to complete as many of them as they possibly can. If they take shortcuts they will be able to complete many more jobs each month. Yet these requirements are in place to make sure they take the time to complete the job as it needs to be. It should give you peace of mind.

The various elements of a building permit will cover the overall structure of the design, fire safety and noise pollution. Many of them are also in place now to help ensure that efforts are taken to conserve energy and to reduce pollutants to the environment.

Friday, March 04, 2011

Online Coupons

Online Coupons: Coupon Clippers Most Valuable to Web SitesIf you like to surf the internet you may as well take advantage of the various coupons out there. Many of them are for products you normally buy at the grocery store such as food items and household items. You may as well print these coupons and take advantage of such savings as they are readily available. It only takes a couple of clicks for you to be able to search through hundreds of different coupons. Choose those you want and leave the rest on your computer.

If you are planning to buy anything online it is to your benefit to search for coupons for those items as well. You can type in the code from the coupon you find online and save a great deal of money. This is the perfect way to get what you want at the very best possible price. More and more online retailers are using coupons as a way to promote their products. You can type in various information and keywords into any search engine to see what is offered for any given item you are interested in.

If you are planning a vacation you should take a look for coupons as well. You can save hundreds of dollars on vacation packages. There are coupons for rental cars where you get free days or free upgrades. You can also find them for hotel rooms such as those that give you a free night when you pay for two. The savings from such coupons can really help you to enjoy the vacation you want on a low budget.

For those that are always out to get the best possible deal on items, online coupons can offer you just what you want. There are plenty of sites where you can sign up for them as well. Just provide some basic information about yourself and then they will start to email you various types of online coupons. There is no obligation to use them and you can simply delete though you aren't interested in.

If you will need to print out the coupons to use them though make sure you have a good quality printer. This way the barcodes on them can easily be scanned. To save ink you can choose to print them in black and white instead of with all the color graphics. This way the coupons you access online won't end up costing you with the price of ink. Of course you can always find a good coupon for that too! 

Grocery Coupons

The Coupon Mom's Guide to Cutting Your Grocery Bills in Half: The Strategic Shopping Method Proven to Slash Food and Drugstore CostsOne of the biggest ongoing expenses in a household is the cost of groceries. It seems like you spend more each time and walk out with fewer bags to show for it. Careful planning of your meals can help you get the most value. You can also use grocery coupons to save you a great deal at the checkout. These can be clipped from the Sunday newspaper or gathered online. Many retail stores that accept coupons for groceries have trading bins too. You can drop in the grocery coupons that you don't use and take some that others have left behind.

In many instances you will find access to grocery coupons for items you use on a regular basis. You may find them for new products too that you have been thinking about trying. Many grocery stores have certain days of the week when they will double or even triple the value of the coupons you have for groceries. Definitely take advantage of such deals because that thirty five cent coupon will then be worth more than a dollar. Many grocery stores cap the value at a dollar though so make sure you find out all of the details.

Plan your meals around the various types of coupons you have for groceries so you can use them before they expire. There is no cash value on such coupons so if you let them go to waste you have simply missed out. You can easily get a coupon organizer for the various sections in the grocery store. This way you can take out your pile for that area and put the ones you are using in a given area.

You can get on mailing lists for grocery coupons for the products you enjoy using. Since you will be buying them already it just makes sense to save all the money you can on them. Every little bit will help out and that is good news for those of us on a tight budget. With the cost of fuel increasing we all need to save money where we can. 

It doesn't take too much effort to get your coupons for groceries organized. If you do this though you can save at least $25 to $50 when you go grocery shopping based on a family size of four. Since most people do this type of shopping every two weeks you can have an extra $50 to $100 a month in your budget. That money will add up over time so you may as well save all you can at the grocery store.

Free Coupons

How to Receive Free GroceriesWith so many free coupons out there you really shouldn't need to have to pay for any of them. You definitely want to get all the value you can from coupons so why pay money to get them? Even those various coupon books that are for fundraisers may not be worth what you end up paying for them. Try to stick with free coupons and you will do well. If you already pay for the Sunday paper then the coupons that come with them are free as they are an addition on this particular day of the week.

One of the easiest ways to get free coupons though is to search for them online.  You will easily come across hundreds of sites that offer them. You can pick and choose what types of coupons you wish to use. Some of them will have codes for online use while others will you will need to print out and then take to a retailer. You can also sign up for various promotions on sites and they will either mail you free coupons or email them you to. You have the right to opt out of such promotions at any time that you wish.

Pay attention to the front of the stores and you will also be able to get many free coupons. People tend to place those they don't intend to use where others can get to them. It really pays to sort through them before you go about your shopping. You may be surprised at all the items you already intend to buy that there are discount coupons for. You may pick up a couple for new items you really want to try out too. These free coupons tend to be higher value while the products are still new.

The amount of money some people are able to save on a monthly basis by accessing free coupons is amazing. They often save their grocery store and online receipts just to prove it to other people. If you are dedicated to getting items for the lowest possible price then you need to incorporate getting free coupons as well. Keeping them organized doesn't' take very much time and it will pay off for you in the end.

Dell Coupons

Frugal Living - How to Save Money Every Month - Simple Budgeting TipsDell is one of the leaders in the market of computers and printers. You can choose from desktop models or laptop models of computers. Since they have such a good reputation on the market you would think that you should just pay face value for their products. Yet there is no reason to do so when they continually offer amazing discount coupons. This is a great way to save even more money on the computer and printer that you want. There is no reason to throw away your money when you can save and still get exactly what you want.

Some of the various Dell coupons are only good for online purchases though so you need to read all of the information. Others can be redeemed either online or when you make a purchase from an authorized seller. Not all retailers will accept Dell coupons so you need to ask before you complete the purchase. Yet most of them will because they know failure to do so is going to result in you going someplace else to make your purchase.

Many of the dell coupons you will find are well worth it too. You may be able to save $100 or more on products you intended to buy at full price anyway. Other coupons are for free upgrades and package deals so you can spend the same amount of money you planned to but get a better computer or a better printer. With such deals out there all the time there is no reason why you can't take advantage of them. 

If you have ever bought anything from Dell there is a good chance you will get coupons from them in the mail on a regular basis. They want to entice their current customers to upgrade their products. If you ask for information about Dell products online you can fill out a form to get coupons as well.

Many people that are interested though simply do an online search. This is one of the easiest and most effective ways to be able to get the Dell products you really want for the lowest possible price. This isn't something Dell has to do but it definitely is appealing to consumers.


The Coupon Mom's Guide to Cutting Your Grocery Bills in Half: The Strategic Shopping Method Proven to Slash Food and Drugstore CostsCoupons are a type of discount and promotion offered by various retailers and manufacturers. The offer them to consumers in order to gain more customers. They also offer them to their current customers as a way to thank them for their loyalty. Sometimes these coupons are mailed to the person or they can be downloaded from a computer. If you are buying something online you often only need the coupon code in order to verify you have access to it.

Coupons are a great way to save money and to encourage you to buy something you may not try otherwise. The biggest type of consumer coupons are for groceries and household items. If you can save $1.00 on a particular brand of product then you will be more likely to buy it over the higher priced ones. The goal is to get you to try it in the hopes that you will continue to buy that brand in the future. 

Many coupons offer you a buy one get one free deal. This means you actually get what you pay for at half price. This is a good way to save money if you know where to look. There are many places online where you can sign up for various types of coupons. All you have to do is complete a survey of your profile and they will automatically be sent to you. 

It is the wise shopper that knows the real value of coupons. They extend to more than just the grocery store. You can save money on vacations, furniture, household items, movies, books, and just about anything else you can think of. With all that money you are saving you can treat yourself to something nice.

Most coupons do have an expiration date on them though. Make sure you pay close attention to this information so you won't miss out of the opportunity. You also want to make sure you don't end up spending money on items you find useless though. Don't buy a product just because you have a coupon. Look for coupons that will be used for items you will normally use or that you already want to try.

Saturday, February 19, 2011

Colombia Car Hire

Are you planning to go on holiday to Colombia or perhaps spend your next agency event in the region? There is nothing uncomplicated other than getting Colombia car hire in order to assist you to navigate through the place.

You can start shopping by going online on car hire services or even search engines like google within the essential car hire organisations that is operate their car hire services in the country. There are lots of companies inside Colombia that gives car hire services within their greatest goal of supplying your comfort within your stay in the country. It is very important for you to rent in advance so that the service providing Colombia car hire can easily deal with your specifications.

More suitable deals and better offers usually awarded to every visitors who make the bookings earlier. In case you are stuck in which firm may give you the most suitable offers just shop around then look at each one for the many other Colombia car hire.

Wednesday, January 12, 2011

PIP and No-Fault Auto Insurance - Is "Reform" the Wave of the Future?

What You Don't Know About Buying Car Insurance Can Hurt YouToday, there are now numerous states that are trying to get rid of the PIP and the No-Fault form of vehicle insurance. This is to give way to the new set of laws that are based from the misdemeanour of most drivers.

It was in 1930’s when the PIP and No-Fault insurance started. This used to be another option for the usually expensive and slow process of getting insurance claims. The intention of having PIP and No-Fault insurance is to fasten the process by changing the resolution starting from the courts until to the insurance companies. At first, the PIP and No-Fault vehicle insurance decreased the premiums and the rates for all the car owners.

During the middle years of the 70’s era, there were already more than 20 states that incorporated the laws of the no-fault vehicle insurance. Eventually, the rates of the insurance integrating the No-Fault policies increased. By the early years of the 80’s, these states that pursued the no-fault insurance started to repeal the law one by one. As of today there are only nine states that have the no-fault laws. This includes the states of Utah, Florida, North Dakota, Hawaii, New York, Kansas, Minnesota, Massachusetts, and Missouri. On the other hand, there are eleven states that have the combination of tort insurance system and the no-fault insurance laws at the same time. This includes Virginia, Arkansas, Texas, Delaware, South Dakota, Kentucky, South Carolina, Maryland, and New Jersey. Moreover the District of Columbia also has a combination of the two insurances as well.

Many states are now choosing tort-based car insurance over the PIP/No-Fault insurance. Is this something that the consumers should be concerned about?

This is actually a good news for all the car owners. The tort-based insurance will give you more options especially for the medical expenses. Moreover, the said system will also let the consumers save a lot of money as well. According to the article published at the Denver Post, policy holders can get as much as 30 percent of savings when they choose the tort-based insurance. Clients will get to choose which coverage they want to include in their policy or which should be omitted from the list.

In most cases, the Personal Injury Protection or the PIP, is still available for consumers just in case they would like to include it in their expenses. The PIP can be acquired easily even if you already have a tort-based insurance that does not include this coverage. It would help you cover most of the medical expenses that you have to pay in case of accident. Unfortunately, the coverage of the PIP is limited to $50,000 only. It would pay for the medical expenses caused by an accident while you or any of your family members did while driving the insured car.

Not all drivers have the sufficient insurance to cover for the expenses of damaged properties and bodily injuries. Some are too irresponsible to get an insurance while others are simply underinsured. Therefore, you must also know more details on how to handle drivers like this.

So, what is next?

This is a good time to look at your health insurance to make sure you will have adequate coverage if you drop your PIP/No-Fault coverage. Don't wait until you're in an unpleasant situation to find out if you need more insurance. Fill out our form on the top and get up to five free quotes on auto or health insurance. Be prepared!

Play it Safe, Save on Auto Insurance

15 Top Ways To Save Money - How to Save on Insurance, Auto Loans, Credit Cards, Mortgages, and More - Learn the Secrets Nobody Wants to Tell YouIf you want to get a very affordable auto insurance, you just have to get a safe vehicle and to drive safely at the same time. Some online insurance quotes service will definitely help you in getting this cheap auto insurance. You will easily get in touch with the local insurance agents and have your driving record examined in a jiffy. What’s best about these car insurance companies offering their services is that you will still get the best car insurance deal without the price increase.


Everybody who has a car considers safety as their first priority. However, many of the car owners are neglecting the fact that road safety does not only rely on the skills of the driver but also on the safety features of the vehicle as well. If you would think of these safety features of the car along with the other issues including the efficiency in the gas consumption, leg room, engine power, and so much more, you would surely save a lot of your money in the long run.

If you are looking for a vehicle that has safety features or if you are shopping for additional safety features in your vehicle, there are some things that you must consider. First of all, think about the functionality of the safety device. It must be easy to use without compromising the quality and the safety of everyone in the vehicle. The next thing that you must put into consideration is the price. There are tons of safety car features that are inexpensive.

By adding these, you would get big discounts on your auto insurance rates. It would also help if you would ask your insurance agent about the car safety devices that would give you greater discounts for a lower insurance premium.


You would experience a great impact while the vehicle is in motion and the driver stepped on the break suddenly. This may even cause injuries for some passengers as well. Therefore, you must always take advantage of the seat belts so you can be protected from the injuries caused by sudden stopping of the vehicle. The seat belts would prevent you from getting injuries particularly in your pelvic area as well as your chest. When buying a new car, you must carefully consider the seat belt features of the vehicle. if possible, choose the model that has seat belts for each passenger.


Other than the seat belts, you must also consider the air bags at the same time. In case of accident, the air bag will be the cushion of the driver and the front passenger so that their heads would not hit any hard part of the vehicle or get fatal injuries from the glass of the car. It is less likely that fatality would occur if there are air bags present in the vehicle. This would also result to a lower insurance rate as well since there is a lesser chance of getting seriously injured due to this safety feature in your vehicle.

SUV Insurance

So You Wanna Buy A Car? - Things That You Should Know When Buying A Car!The SUV or sports utility vehicle is one of the most sought after vehicles today. This is actually considered as a powerful vehicle which triggers the daredevil in some of the drivers today. That is why most car insurance companies are giving higher car insurance rates or auto insurance cost for this type of vehicle compared to the typical cars that you see on the road.

But even though other people are driving SUV’s like there’s no tomorrow, this vehicle is actually designed for slow speed especially when driven on rough terrains. Aside from the insurance premium, the expenses for repairing an SUV, and the fuel consumption are just some of the disadvantages of SUV’s.

What really makes SUV insurance expensive? There are numerous reasons given by the ABC News and Consumer Reports why the premiums of SUV insurance are usually high.
  1. Because SUVs are more prone to accidents compared to its smaller vehicle counterparts, car insurance companies think that increasing the insurance rate would help them protect their business and the vehicle better.
  2. Once an SUV got involve d in an accident, there will be more damages to their passengers, pedestrians, and other vehicles.
  3. The amount of repairing SUV is more expensive since the standard is not bound to the same standards of the smaller cars.
  4. An SUV is more likely to tip over and roll than small cars.
  5. The SUV is at risk of theft since it is very popular, stylish, and a trendy vehicle.
However, you still have some chances of getting discounts in your insurance rate if you own a SUV. You can use the safety equipments that are installed in your SUV, your driving history, credit record, the place where you live, and the model that you drive so you can get a lower SUV insurance rate.

Top 10 tips on how you could reduce your insurance premiums

Surely, you want to lower your insurance premium by as much as 50 percent or even more if possible. Why not try some of these strategies so you can control the insurance premium that the company will give you.
  1. Try looking for the auto insurance quotes of the various insurance companies. You will be surprised to know how these rates vary. More often than not, getting these quotes is free of charge and can be asked from an insurance agent or you can get it online.
  2. Ask your agent about the insurance rate of a particular SUV model before your purchase the vehicle.
  3. Maintain a clean driving record.
  4. Maintain a high credit score.
  5. Higher deductibles can actually get you lower insurance premiums.
  6. Do not forget to have safety equipments installed in your SUV.
  7. Forget about the unnecessary coverage if you own an old SUV model.
  8. The longer you stay with the same insurance company, the bigger chance you get discounts on your SUV insurance premium.
  9. Purchase the insurance for your SUV from the same company where you bought the insurance for your home or other types of insurance as well.
  10. Take advantage of the group insurance along with your fellow SUV enthusiasts.
As you can see, driving your SUV and keeping insurance rates low are not mutually exclusive.

So take advantage of cost-saving strategies, apply for free quotes from our vast agent network, and get a custom-tailored policy made especially for you.

"Rugged" SUVs Sustain Costly Damage in Minor Accidents

Auto Accident Personal Injury Insurance Claim: How to Evaluate and Settle Your LossThere are actually different scenarios which has similarities other than the expensive cost of repairing a vehicle. Note that the vehicles in these examples are SUVs.  
  • Backing in a parking area and accidentally hitting the front of the car parking behind it.
  • Accidentally scratched a part of the vehicle’s rear in a low pole at a gasoline station.
  • Slowly reducing your speed before reaching a stoplight when another vehicle hit you from behind.
All of these situations are on a low speed and had bumper damages on it.
When it comes to SUVs, it would cost you as much as $3,000 just to repair for the minor bends in the bumper or in any parts of the vehicle as well.
According to the advertisements of the different SUV manufacturers, this type of vehicle is the tough and can tolerate even the roughest road condition. However, these are just purely advertisements. There are just a few SUV models that have bumpers that can withstand minor collisions and bumps. In a study conducted in 2003, there are 8 out of 9 midsized SUVs that have poor bumper performance and low ratings when tested for a crash test (integrating only 5 mph for the speed). The said study was performed by the Insurance Institute for Highway Safety.
It was only the 2003 Honda Pilot that was proven to be equipped with high performance bumpers that can even withstand both minor and major damages. But there are also some models that got an average rating such as the 2004 Lexus RX 330, 2004 Mitsubishi Endeavor, and the 2003 Nissan Murano. On the other hand, the SUVs that got the poor rating includes the 2003 Kia Sorento, 2004 Cadillac SRX, 2003 Toyota 4Runner, 2003 Infiniti FX35, and the 2004 Chrysler Pacifica.
The study that was conducted by the institute have tested not only the front but the back as well. These parts have been crashed in flat barriers, poles, and angle barriers to see how it would damage the bumpers.
Most of the vehicles that were mentioned above got big damages although the collision is only minor. For every test, the repair cost ranges from $400 up to $1,600 depending on the SUV model. The SUV models that got poor rates had the biggest repair cost when the rears were tested on the poles. The Kia Sorento, Chrysler Pacifica, and the Cadillac SRX were not strong enough to protect the sheet metal and the other parts of the vehicle during the said tests. As a matter of fact, you would have to spend as much as $2,800 for repairing the SRX and the Pacifica. On the other hand, the Kia Sorento would cost you $2,200 just for the repair expenses.
According to the Chief Operating Officer of the Insurance Institute for Highway Safety, it is actually not hard to build a bumper system that is decent enough to face minor collisions. Mr. Adrian Lund also said that it is not that expensive as well. But it would definitely cost a lot if you would not do anything about your SUV’s poor bumper performance.
Many other vehicles have bumpers providing inadequate protection. Of course, when auto insurers set insurance premiums, they must take into consideration the high risk of expensive bodywork for minor accidents. These costs get passed along to consumers in their auto insurance premiums.   

Monday, December 13, 2010

Miley Cyrus on Set of "So Undercover" After Bong Video Surfaces

Miles to GoMiley Cyrus is currently in New Orleans filming her new movie, "So Undercover." This has been the first Miley sighting since the now infamous video of Cyrus smoking Salvia from a bong hit the web. Cyrus even took in a Saints football game on Sunday, marking her first public appearance since the video.

Miley Cyrus is one of Hollywood's hottest young stars. A triple threat, Miley has conquered television, music, and film. Currently Miley is filming "So Undercover" in Louisiana. Cyrus has not spoken about her controversial bong video yet, but many fans are waiting for the time when she may address her Salvia use.

According to On Location Vacations, In "So Undercover" Cyrus plays a private investigator hired by the FBI to go undercover at a college campus. While the movie should be a hit with teens, we all have to wonder if this bong video will have any negative side effects on her career.

Miley Cyrus is known for being a bit on the controversial side. While her mistakes are sometimes blown out of proportion, the video of her smoking Salvia from a bong was disturbing. As a parent it's hard to watch the barely 18 year old using a drug that's similar to LSD, knowing so many young girls look up to her.

Hopefully Miley Cyrus can get past her Salvia/bong video scandal and get her life back on track. Perhaps being away from LA while on set of "So Undercover" in New Orleans will help to remove Miley from people and things that are temptations to the "Hannah Montana" star.

Cate Edwards Engaged?

101 Questions to Ask Before You Get EngagedJohn and Elizabeth Edwards' daughter, Cate Edwards is engaged.

Perhaps the happiest thing to happen to the Edwards family in a long time, Cate Edwards is set to marry her beau, Trevor Upham. Perhaps overshadowed by the loss of her mother, Elizabeth, Cate's engagement may have been the last real joy that her mother experienced.

"Elizabeth was thrilled," a source tells PEOPLE. Although Cate won't have her mother at her wedding, she still has the memories of her mother's happiness in knowing that her daughter was engaged. It's knowing that your mother saw you and knew that you were happy that can really make a difference going forward.

It's nice to know that Cate has someone to hold on to during this sad time. Her siblings are much younger and can depend on their dad for support, but sometimes it's easier to lean on a significant other when things of this magnitude come in to your life. We're happy for Cate Edwards and we hope that they are able to lean on one another throughout this sad time and in times in the future.

Kim Kardashian, Kris Humphries of NBA Dating! Kardashian Tweets About Her Night

Kim Kardashian 2011 Wall CalendarKim Kardashian and Kris Humphries, NBA player for the New Jersey Nets, have a new romance brewing it seems. Kardashian and Humphries were out together on Friday night in New York City, where they were seen at the Provocateur Lounge, partying until nearly 2 a.m.

Forget Kim Kardashian’s football flings with Miles Austin and Reggie Bush. Those K.K. romances were so last season, as was that whirlwind quickie hook-up with Halle Berry’s model ex Gabriel Aubry. Now, she’s on the basketball circuit, kicking off with Kris Humphries!

2004-05 Bowman 125 Kris Humphries Utah Jazz(RC - Rookie - Basketball Cards)But, before Kris Humphries and Kim Kardashian’s date night officially began, Kardashian, 30, got the party started, stopping by the Beauty and Essex Grand Opening with Spin Crowd’s Simon Huck and Jonathan Cheban.

Then, Kardashian, donning a white fur coat, was off to Madison Square Garden’s Z100 Jingle Ball concert with Justin Bieber, Selena Gomez and Katy Perry, where the E! reality star Tweeted, “Just bumped into @KatyPerry back stage! LOVE her so much!!!”

Kardashian also said on Friday night, “I’d rather date someone with a good heart.” Well, hopefully, K.K. has found a good heart in Humphries, 25, who she reportedly met up with later at the Jingle Ball, before the pair headed to Provocateur.

And, although Kardashian and Humphries tried to stay out of the spotlight and avoid the paparazzi lens (good luck!), they were photographed entering Kardashian’s hotel in the very early hours on Saturday morning.

As for the rest of Saturday, Kim Kardashian is apparently off to Miami to celebrate her friends’ anniversary. She Tweeted, “Happy Anniversary @LorenRidinger @JRRidinger!!!! So glad to be celebrating with u in Miami! Love u guys! Xo” No Kardashian Twitter news whether Kris Humphries is with K.K. to toast the anniversary.

Will Kris Humphries be a slam dunk for Kim Kardashian?

Teen Likely Fell From Plane: Delvonte Tisdale’s Body Found in Massachusetts

A North Carolina teen most likely fell to his death from a plane. On Friday, a Massachusetts prosecutor stated Delvonte Tisdale’s mutilated body was found in the Airplane Cake Pan - 11 x 10.75 Inchessuburbs of Boston.

There was news the teen most likely fell from a plane he had stowed away on. Officials speculated that Delvonte Tisdale, 16, hid inside the wheel well of the plane but later fell to his death. There has not been a reason given for why he teen tried to stowaway. Evidence found of the teen being a stowaway were wheel well handprints which belonged to Delvonte Tisdale and clothes strewn about the travel path of the plane.

This teen’s death was a truly sad occurrence and should be a lesson for all. Please just pay the money for your own seat. Flying is one of the safest ways to travel and it is no longer that expensive. This was a truly tragic event. Hopefully, this will be the last time something like this occurs…

Sadly, we will never know the exact reason why this teen decided to hide away on a plane. No one will know why he fell to his death. Whatever his plans were, he’s dead now. He may have thought he would be safe but he fell thousands of feet to his death.

Bernie Madoff barred from attending sons' funeral: Should Bernie Madoff be allowed out to grieve the loss of his son?

Too Good to Be True: The Rise and Fall of Bernie MadoffBernie Madoff has been barred from his sons' funeral according to recent news reports. Madoff's son, Mark, was found dead this past week from an apparent suicide. While Madoff is serving a 150 year prison sentence in North Carolina, his sons funeral will have to go on without him.

Mark Madoff was found in the living room of his New York apartment on Saturday. Medical examiners have deemed his death to be a suicide. Could Mark Madoff not deal with the fallout and scrutiny that the whole family has had to undergo as a result of his fathers' actions?

The North Carolina prison where Bernie Madoff currently is being held, allows inmates who have two years or less left in their sentence to attend the funerals of family members. Since Bernie has many, many years ahead of him, it appears that he will not be able to attend the funeral of his son.

Do you think it's fair that Bernie Madoff has been barred from his sons funeral? Though we can all admit that Bernie did a horrible thing by scamming so many people out of their hard earned money, it's still sad that he cannot be there to pay his last respects to his son. One question that lingers is whether Mark Madoff would even want his father at his funeral, since it is his fault the family is facing so much backlash. What do you think? Would Mark want his father to be present or would he rather him sit in jail while his funeral goes on?

Bea Arthur: Marine Background Comes To Light For Golden Girl

Bea Arthur Marine rumors have once again surfaced, and this time there is some facts and evidence to back up the claims that actress Bea Arthur once served with the United States Marines. The actress herself denied the claims back in 2001, but now there is documented proof that Bea Arthur did indeed serve in the military.

Bea Arthur on Broadway - Just Between Friends
Bea Arthur reportedly joined the United States Marines in 1943. She didn't see any battle time, but she served as a typist in Washington D.C. She was also a truck driver. During her time as a United States Marine, she did well as she raised herself to the rank of staff sergeant before she was discharged honorably and returned to her life.

Why did she feel the need to lie about her military background? One would think it would make her fans love and appreciate her even more than they already did because of her acting.  Bea Arthur was best at making people laugh. Both on Maude and NBC's Golden Girls, she won fans over each and every week with her sense of humor. Her death saddened many.

Betty White is now the lone surviving Golden Girl, and she shows no signs of stopping. In fact, the remaining Golden Girl has seen a resurgence in popularity in 2010 with her hit Saturday Night Live appearance, and other roles in films rising her up again. It will be a sad day indeed when this world loses its last Golden Girl.

Bea Arthur was not only a talented actress, but an American hero for her service to this country during World War II. She shouldn't have felt the need to hide it, but she had her reasons. What do you think of Bea Arthur's Marine past?

Taylor Swift and Jake Gyllenhall Being Hounded By Paparazzi

Taylor SwiftTaylor Swift and new boyfriend Jake Gyllenhaal are being hounded by the paparazzi, so much so that it's becoming dangerous for the new couple.

According to Gossip Cop, Taylor Swift and Jake Gyllenhaal had a scary encounter with the paparazzi recently in LA. It seems that everyone is dying to get shots of this new hot Hollywood couple together.

2011 Movie Calendars: Jake Gyllenhaal - 12 Month - 42x29cmAs many as eight cars filled with paparazzi were following Taylor and Jake on a recent outing in California. The couple were reportedly worried about their own safety as well as the people on the roads and sidewalks around the scene. It's being rumored that about six paparazzi cars were stopped by police officers, but two got away and continued to follow the duo.

There must be something done about the way paparazzi get their photos. While we all love juicy pics of our favorite celebs, everyone's safety must be taken into consideration. Not only are the celebrities at risk for injury, but innocent people who happen to be in the wrong place at the wrong time.

If we've haven't learned anything from Princess Diana's death, the numerous lawsuits, or the various celeb/pap car accidents then that's pretty sad. How much more is it going to take before there are some actual, real laws inforced for these photographers. Thankfully Taylor Swift, Jake Gyllenhaal, and everyone involved were unharmed by the idiotic paparazzi.