Thursday, December 13, 2007

Manufactured Homeowners Insurance

How to Get Cheap Manufactured Homeowners Insurance

What Manufactured Homeowners Insurance Covers
Manufactured homeowners insurance includes the following coverages:
* It pays to repair or replace your manufactured home when it's been damaged by vandalism, fire, smoke, burst water pipes, or acts of nature. It also covers your garage, storage shed, and other unattached buildings.
* It pays to replace your personal belongings such as clothes, appliances, furniture, electronics, and tools, when they've been damaged by fire, vandalism, burst water pipes, smoke, or acts of nature.
* It pays for the additional living expenses you may incur, such as hotel, motel, and restaurant bills, when your home is being repaired and you need to live elsewhere.
* It pays your legal fees, court costs, and court-awarded damages when you're held liable for injuring someone.
* It pays for damages to your mobile home if those damages occur when it's being driven to a new location.
Types of Manufactured Homeowners Coverage ::
There are two types of mobile home coverage:
1. Cash value coverage which pays to repair or replace your home minus a deduction for depreciation.
2. Replacement cost coverage which pays to repair or replace your home without any deduction for depreciation.
Getting Cheap Manufactured Homeowners Insurance ::
The best way to get cheap manufactured homeowners insurance is to comparison shop. And the easiest way to do that is to visit an insurance comparison website where you can compare rates from a number of companies and pick the cheapest one (see link below).
To lower your insurance rate even further make sure you get the highest deductible you can afford, and get all the discounts you're eligible for. Some common discounts include:
* A discount for having a newer manufactured home
* A discount for having security devices - burglar alarms, dead-bolt locks
* A discount for having safety devices - smoke detectors, fire extinguisher
* A discount for having your auto and manufactured home insurance with the same company
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get manufactured homeowners insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.


Friday, August 24, 2007

Perfect for Every Occasion


Whether you are planning a special occasion for your true love or you just have a hobby of collecting silk flowers, then you have taste, and for that you must be applauded. Silk flowers make the most beautiful flower arrangements and you need not worry about the flowers dying on you. They can add character to any dull room, and with the variety of different colors they can brighten up a table. The fabric last and the only cleaning you will probably have to do it wiping the dust off the leaves. These flowers make beautiful bouquets, and with your creativity you can send a bouquet to a special person in your life…or even to say thank you to someone that has just highlighted your day with just a simple smile or a few words of inspiration. This is also a great way if you want to keep your home full of flowers. Think about it, you won't have to water flowers again, or if you have always had the habit of forgetting to water flowers – worrying about the poor things dying of thirst. Don't think that because they are artificial that they are going to look artificial. Like fresh flowers that need to be replaced after a few days or a few weeks, silk flowers keep their beauty and color time and time again, and the nice thing is that the artificial flowers can be made to look like fresh flowers. You will probably get questions like, "Where did you get these beautiful flowers?" and "They have been here so long. What are you feeding them that keep their color and freshness?" Obviously it will be up to you to give the secret away, or you could just leave them in suspense about how beauty finds its way into your home and stays there for as long as you want them there. If you see a certain silk flower that you just love, take notice of it so that you can look for it when you're planning a special event. There's many places online that also offer a good selection of silk flowers, so check online too.
This article is free for republishingSource:

The Fun, Free and Easy Way.

The absolute easiest, fastest and free way to start making money on the internet is by becoming an affiliate and promoting someone Else's product. With affiliate programs, you don't need to spend months on research, hard work and money just to create your own product.
You don't need to create your own website...
You don't need to write your own sales copy...
You don't need to do any customer service...
and you don't need any experience!
All you do is simply choose a product,
sign up as an affiliate and start promoting.

But... there can be some problems...
You must take action on what you have learnt and follow it through, right to the very end! and... You must not get diverted and sweep off your feet with the promise of instant over night riches and money making schemes because there simply is no such thing!
You will be wasting your money and your time which will eventually lead to total information overload, frustration, confusion and disappointment.
How do I know? Because it happened to me!!!
Sorry to be so blunt..... But It's the truth :-)

It is very important that once you have chosen your affiliate program
to promote, that you get it fully set up and focus daily on marketing, promotion and advertising. You can be promoting the best program and have the greatest systemsetup in the world but if you don't have any visitors... you won't make any sales!

You also need to believe in yourself and your product and don't give up. It may not happen over night but it will happen. Focus first, on one affiliate program only and work on promoting it every day until it makes a good profit. Then, go find another suitable affiliate program and give that your best effort also.

Try to choose quality products and services that you can promote
passionately! The best products and services to promote are of course, those that you are using or have used personally.
Your prospects will be able to sense your sincerity from your experience and confidence with the product.This will also greatly enhance your credibility as well as your product's marketability.

With the right mindset, the right actions and perseverance...
your dreams really will come true!

Luana Andrew is a Successful Online Affiliate Marketer with
over 3 years Experience. Visit her site today to learn how
you can Make Money Online The Fun, Free and Easy Way.
http://www.makemoneyjobs.com
This article is free for republishing
Source: http://www.a1articles.com/article_205443_80.html

Data Backup Media

One of the most commonly used media for creating a back up is the CD.

CD's

CD's are inexpensive and transferring data unto them is easy. They are portable too. Portability of a media entails the advantage of placing it off site. Their storing capacity ranges from 650 to 700 MB and the data transfer rate is high. Above all, they are not susceptible to magnets.

But, if you are using an older version of the computer, you might have to install a CD burner and this is expensive. Though, they have life span of a decade, regular usage damages them. And, scratched CDs fail to work.

Another media that is easily comparable to a CD is the DVD.

DVDs

DVDs share almost all the advantages and disadvantages of CD's; however they have a comparatively longer life span ranging from 30 to 100 years. This feature along with their large storing capacity makes them good for archival purpose. They are also inexpensive and portable.

Though they are portable, they cannot be used in all computers. For, they can be run only if the computer has a DVD burner and its installation is expensive.

If you do not have a CD or DVD burner you can think about using the magnetic tape.

Magnetic Tapes

These look similar to the audio or video cassette. They are inexpensive and their storing capacity ranges from a few MB to 800GB. Their data retention capacity is for 30 years. But, the draw back encountered while retrieving data is that it takes time to roll the tape to reach a particular part of the data. For, it allows only sequential access of data unlike hard drives that allow random access.

External Hard Drives

Hard drives retain data for a decade and a half and their failure rate is comparatively lower than a few other storage media. They can store a large amount of data with capacities ranging from 40 to 250GB. Being easy to use they just have to be plugged in to the computer’s USB port using a cord. They are also portable.

But, they have a few inherent disadvantages. They have to be handled carefully. They get damaged when dropped or placed near magnets.

However, one storage media that remains undamaged by magnets is the USB flash drive also known as pen drive, memory stick, thumb drive, etc.

USB Flash
Magnets fail to affect their file retention capacity. They are inexpensive and portable. They can be easily used; they have to be just plugged in the computer. Their data transfer rate is quite high. A USB 1.0 transfers 1.5 to 12 MB/sec and a USB 2.0 has a data transfer rate of 480 MB/sec.

But a USB 2.0 is expensive and they are so small that they might get easily misplaced.

USB flash is a modern invention and is slowly turning popular. Another back up device that is not as modern is the floppy disk.

Floppy Disks

Floppy disks are in existence since the last 2 to 3 decades. But, they have now turned obsolete due to their low storing capacity of just 1.44 MB and short life span. They are at best used for transporting data as they are portable and inexpensive and every computer has hardware to use it.

Zip Disk
A popularly accepted modern version of the floppy is the zip disk. But, they can only be used in a zip drive and its installation is expensive. However, they are less expensive, easy to use and their longer life span of a decade makes them ideal for archival purpose. They are quite durable.

The durability of every back up media depends upon the manner it is handled and stored. Any back up media should be placed in a cool and dry location away from direct sunlight. Placing them near magnetic fields or dust prone areas damages them.

Whatever be the back up media that is used, all effort would be a total waste, if the created back up is not regularly updated. Moreover, the media should be placed offsite. This would protect data against natural disasters that are all encompassing in their magnitude. And, a final word of caution. Encryption of the created back up prevents data theft.

Monday, August 6, 2007

So Many Ideas, So Little Action.

Make Money Online--So Many Ideas, So Little Action.
I was in Starbucks this morning. As I was leaving with my coffee, I looked over and saw a friend sitting at a table. He had his lap top open. He saw me and invited me to sit down. I hadn't seen this friend in six months.
"How's it going?" I asked.
"Great. I'm working on my internet businesses."
I noticed he said 'businesses' plural. "You have more then one business going?" I asked.
"No, none of them are up and running yet, he said sheepishly, "but I have alot of ideas."
I knew where he was coming from. I was there myself at one time. "How many business ideas do you have right now?"
"About 15."
"Have you taken action and worked on any of them yet?"
"No, no. Not yet. It's all in the planning stage."
I nodded. I explained to my friend that I used to be the same way--I had 50 business ideas and I hadn't made any money yet. I had alot of ideas, but wasn't taking action on any of them. I told him that my life changed once I focused on one thing and took action on that one thing everyday.
My friend said he was in the 'planning' stage. I think planning is great. All of us need a good plan. The danger in 'planning' is it can trick you. When you're 'planning' you feel like you're taking action, but you're really not.
Same with coming up with ideas.
Just this morning, while I was in the shower, I thought of a great idea. I was pondering it and pondering it and getting more and more excited about it.
Then I stopped myself.
I realized that if I started working on this idea, it would take focus away from what I was working on right now. I wrote the idea down in my notebook. Maybe in a year I will start working on this other idea. But right now I know where to put my focus.
Folks, ideas are easy to come by. You and I could sit down right now and come up with 50 of them. That's not what's important. What's important is taking one idea and working on it. That's what counts.
I would rather have a mediocre idea that is worked on, then 50 excellent ideas where nothing happens.
Don't get me wrong. I have written about the importance of thoughts. I know that all great inventions and progress have come from ideas. However, John Wanamaker, a great merchant of yesteryear, often said, "Nothing comes merely by thinking about it."
I used to be like my friend at Starbucks. When I discovered the internet, I was filled with a bunch of ideas. After a year of coming up with all these great ideas, I looked back and realized I hadn't even made $10 online.
That's when I decided to focus on one business and work on it everyday.
I admit, even now the hard part is staying focused. There's always the temptation to get sidetracked by all these other ideas, all these new ebooks with the newest business opportunity, ect.
Then I realize that now I'm living the life I want to live. I'm making good money and working from home.
Folks, it's all about ACTION.
Focus on one idea and take action on it.
You'll be surprised with the results.

Direct Sales Tips:

Direct Sales Tips: Tips For Delivering Top Notch Training :
If you are self-conscious about public speaking, be assured the more you do, the easier it gets. Really! Put yourself in your audience’s shoes. It is the best way to beat nervousness.
Connect with Consultants। When Consultants arrive, imagine you are “on”



Preparations in place. There should be no distractions and your focus should be on them.
Talk with each Consultant and guest individually। Take time to make them feel welcome. While speaking, make good eye contact. When asking for a response, raise your hand or nod. They should SEE and FEEL your presence.


Watch for “the barometer।” Usually someone will react before the others do. They will help to anticipate the overall reactions. If they look confused or bored, consider adjusting the presentation.


Ask questions। When asking questions, involve the participants. It keeps them thinking. You are also teaching the Consultant how questions will benefit them.


Respond to questions। Every question is an indication of interest! When responding, look at everyone while checking with the individual who asked the question. Make sure you answer the question and ask if you did. You do not want the person to feel stupid.


Partner and small group breakouts. For small groups or partner participation, suggest working with someone they do not know well. Working with others causes people to get up and move. This offers a change of pace, keeps your presentation interesting, and involves the participants.
Teaching style। Be aware of personal learning styles. Your audience will include visual, auditory, and kinesthetic learners.


Do more than tell। Demonstrate. Use flip charts, overheads, posters, and other visual aides to engage the Consultants. Hold up the product instead of talking about it.


Communication। Only 7% of the message comes from what you say, while 38% comes from how you say it. Fifty-five percent of the message comes from body language. Try to alter your voice to make the presentation more interesting.


Share personal experiences. Share part of you! When giving personal experiences, your participants get to know the real you. Do not be afraid to share some of your disaster stories. They need to know you are not perfect and are still learning yourself.


Humor. Most people love to laugh. It helps people to relax. Use your humor. As you know more about a subject, your sense of humor will blossom.


Enthusiasm. Act enthusiastic! This will inspire Consultants. You are more believable when speaking with energy. When you show enthusiasm, Consultants will want to be like you. If you appear tired and worn out, they may lose interest.


Evaluation. When time permits, do a short evaluation at the end of the training session. Ask questions relating to how valuable the training was, what additions or changes, and how will they adjust their business from what they learned. Writing out answers anonymously will give a better and more honest response.

Get Started on eBay:

What You Need to Know BEFORE You Get Started on eBay:
So you've decided that you want to get started as a seller on eBay. There are a few things that you really need to know before you go and throw yourself in at the deep end.



What to Sell.First off, you need to know what it is you're going to sell: what's your specialty? You'll do far better on eBay if you become a great source for certain kind of products, as people who are interested in those products will come back to you again and again. You won't get any loyalty or real reputation if you just sell rubbish at random.


When you think about what to sell, there are a few things to consider. The most important of these is to always sell what you know. If you try to sell something that you just don't know anything about then you'll never write a good description and sell it for a good price.


You might think you're not especially interested in anything, but if you think about what kind of things you usually buy and which websites you go to most often, I'm sure you'll discover some kind of interest. If all else fails mention it to your friends and family: they'll almost certainly say "Oh, well why don't you sell…", and you'll slap your forehead.


Out of the things you know enough about, you should then consider which things you could actually get for a good enough price to resell, and how suitable they would be for posting. If you can think of something of that you're knowledgeable about and it's small and light enough for postage to be relatively cheap, then that's great!


Don't worry if you think the thing you're selling is too obscure - it isn't. There's a market for almost everything on eBay, even things that wouldn't sell once in a year if you stocked them in a shop. You'll probably do even better if you fill a niche than if you sell something common.


Tax and Legal Matters.If you earn enough money, you should be aware that you're going to have to start paying tax - this won't be done for you. If you decide to sell on eBay on a full-time basis, you should probably register as a business.


Prepare Yourself.There are going to be ups and downs when you sell on eBay. Don't pack it in if something goes a little wrong in your first few sales: the sellers who are successful on eBay are the ones who enjoy it, and stick at it whatever happens.


Anyone can sell on eBay, if they believe in themselves - and if you do decide it's not for you, then the start-up costs are so low that you won't really have lost anything.


If you're ready to start selling, then the next thing you need to know is the different auction types, so you can decide which ones you will use to sell your items.