March 28, 2012

How to Save up to $1100 Each Year on Homeowners Insurance

You've heard about ways to save money on homeowners insurance before. Shave a little cash here and a little there and you've lowered your premiums. Is it really worth the time and effort just to save a few bucks? How much can you really save? Well, that depends on a great many factors such as the home, where you live and how far you are willing to go to save money. If you take a few minutes to read through this article, you can learn some great tips for how to save up to $1100 each year on homeowners insurance.


Home Safety and Security

Home safety and security are important for not only the safety of you and your family, but also for lower rates on your home insurance. Safety and security are tied to a few basic things: fire, theft and vandalism. Homes that have more safeguards in place qualify for lower rates. That means smoke alarms, fire extinguishers, sprinkler systems, deadbolt locks, outside lighting and a security system can all pay for themselves through lower homeowners insurance rates. It can also be helpful to have a neighborhood watch. It helps build community relationships, guards against vandalism and theft, and can reduce your insurance premiums with some companies. Not only do these things pay for themselves and more over time, but they keep you, your family and your home safe and secure.


Reinforce Your Home Against the Elements

If you live in areas that are at a high risk for certain perils such as hurricanes, tornadoes and earthquakes, you will pay more for your homeowners insurance. However, there are things you can do that will help you save money. Storm shutters are an affordable option to begin the process. It can also benefit you to have a roofing contractor consult with you on what exactly you can do to reinforce your roof. If in an earthquake prone area, you will want to make sure your home meets or exceeds building codes for structural strength. A strong home can better withstand a natural disaster. It may take upfront money to get your home up to the level it needs to be, but it will pay off down the road with cheaper homeowners insurance rates and a reduced likelihood of having to pay that deductible to repair your home.


Take Advantage of Discounts

A great way to increase your savings is to understand what it takes to get as many discounts as possible on your policy. Some companies offer as many as 40 discounts for policies that range from a few dollars off per month to 25 percent off your premiums. There are discounts for:

• Bundling auto and other policies with your home insurance

• Specific occupations

• Retiring

• Staying loyal to your insurance company

• Marriage

• Paying premiums in full rather than installments

• Having premiums deducted from bank account


This is a short list, so take a few minutes to look through a couple of insurance company websites to see a complete list of the specific discounts they offer.


Pay Attention to Changes in Your Life and Environment

Changes are constant and they can have an impact on how much you pay for your homeowners insurance. It's not up to the insurance company to keep up with these changes; it is up to you to inform them of these changes. Even changes you may not think important to your homeowners insurance may lower your rates. For instance, if you get married, your rates may drop. If you change jobs to one that garners a discount, tell your insurance company immediately. If a fire hydrant is placed closer to your home, your rates can drop. If you switch from well water to municipal water, you may get a discount. If a fire station is built closer to your home or goes from volunteer to paid, you can save money.


Online Price Comparisons

Saving money means finding the best bargain. How can you do that without comparison shopping? Luckily, you can now comparison shop online. This quickens the process and gives you more options for comparison. When shopping, be sure you are looking at respectable insurance companies with a strong history of good customer service and a variety of policy offerings. To find the best price among the strongest candidates, get online quotes. Quotes will provide you with the prices you need to make a comparison and find the biggest savings.


You can use our free rate quote tool to get as many as 10 or more quotes in minutes. The more quotes you get the better. Yes, by doing the things mentioned above and comparing rates, you can save as much as $1,100 on your homeowners insurance. http://www.homeownersinsuranceaxis.com/

March 27, 2012

EPROMODA FASHION FILMS

As Spain’s # 1 makeup and fashion school with locations in Madrid and Barcelona, EPRO has now also recently launched their very own fashion club titled EPROMODA which is quickly making a stand on the online makeup and fashion marked.


It makes perfect sense really that EPRO branches out in this direction as they for over 5 years now have trained and graduated thousands of Online makeup artist, fashion styling and fashion design students, both in English and in Spanish. The more amazing factor is that the students are drilled in a manner that allows them the same exams level and certification at the end of study as their in-house students in Madrid and Barcelona gets.


EPRO states the following about EPROMODA: “The videos, articles and tutorials have a mission of staying true to the expectations of our fans and readers, and will always seek out to use new and fresh models who´ll be given a great opportunity to start their career. EPROMODA understands their fans and students need for high-end fashion that is also doable and approachable and therefore strives for a commercial fashion look that will inspire, motivate and illuminate the days of our readers and viewers. “- And to be quite honest- they do exactly that!


The videos are great, professional and the makeup is technically amazing- but what is even better is how user-friendly they are. We have all seen hundreds of artsy fashion films, that are great, but it doesn´t necessarily give direct inspiration to something a makeup and fashion lover or professional can or would do themselves…


The videos, articles and tutorials´ variety are also a great plus as it caters for every taste, color and facial structure. They don´t always choose to use super polished models which is very admirable as it gives fashion a true face- finally! As far as we can tell, there is no Photo Shop used either (!) and the looks are very straight forward and easily explained without skipping a step just to appear simpler.


So there you have it EPROMODA- so far so good and we´re excited to see the coming stuff you´ll create for us! www.eproimagecourses.com

March 12, 2012

Launching of a New Internet Concept: A Video Blog Society!

If you missed out investing in eBay, Google or Facebook, then you have another chance to a ground floor opportunity to invest in a brand NEW concept that will hit the internet soon! Investors are now being sought to buy a USD$100 “Royalty Certificate” for VIBLOS, a video blog society!

our video in Youtube: http://youtu.be/rVaoXjcsZq4

The goal for launch is 10,000 investors, but once at least 5000 investors have participated, the internet website will go live in the Fall of 2012. After pledging your USD$100 by credit card, it will be on file until at least 5000 investors have signed on before processing.

www.thousandsofpartners.com

Concept: Allowing people, from all over the world and all walks of life to promote their own personal 1-minute videos. They can be informative, show talents and/or advertise a service. Exposure on the WWW or World Wide Web (aka Internet) will be extensive, resulting in satisfied people and more users. Advertisers will be drawn to the site and revenues will be generated. Investors will reap the rewards of sharing 30% of the net profit. Not bad for a USD$100 investment!

The motto of this video blog society will be “Thousands of Partners Worldwide,” and the team and groundwork is in place. It is now up to YOU, to help supply the funds needed for promotion and marketing costs. It will be an important concept to whet the public’s appetite and set some anticipation for this NEW concept! Remember all the advance publicity about “the information highway is coming?” before the WWW launched!

The team behind it all: Bettina, Beat, Andre, Carlos and Adroit Computing represent an international gathering of talent. This team includes a marketing and communications expert, a WEB service hosting provider, a financial advisor and a web designer! Adroit Computing, based in Austria will provide programming, developing, design and consulting services. All they need now is YOU!

The Viblos team.

VIBLOS, a video blog society! Get in on the ground level. IPO to come!

www.thousandsofpartners.com

If you missed out investing in eBay, Google or Facebook , then you have another chance to a ground floor opportunity to invest in a brand NEW concept that will hit the internet soon! Investors are now being sought to buy a USD$100 “Royalty Certificate” for VIBLOS, a video blog society! The goal for launch is 10,000 investors, but once at least 5000 investors have participated, the internet website will go live in the Fall of 2012. After pledging your USD$100 by credit card, it will be on file until at least 5000 investors have signed on before processing. 

Concept: Allowing people, from all over the world and all walks of life to promote their own personal 1-minute videos. They can be informative, show talents and/or advertise a service. Exposure on the WWW or World Wide Web (aka Internet) will be extensive, resulting in satisfied people and more users. Advertisers will be drawn to the site and revenues will be generated. Investors will reap the rewards of sharing 30% of the net profit. Not bad for a USD$100 investment! The motto of this video blog society will be “Thousands of Partners Worldwide,” and the team and groundwork is in place. It is now up to YOU, to help supply the funds needed for promotion and marketing costs. It will be an important concept to whet the public’s appetite and set some anticipation for this NEW concept! Remember all the advance publicity about “the information highway is coming?” before the WWW launched! 

The team behind it all: Bettina, Beat, Andre, Carlos and Adroit Computing represent an international gathering of talent. This team includes a marketing and communications expert, a WEB service hosting provider, a financial advisor and a web designer! .Adroit Computing, based in Austria will provide programming, developing, design and consulting services. All they need now is YOU! www.thousandsofpartners.com

Read about the sensational hacker buzz surrounding Rip Off Report and Google rankings

http://www.sbwire.com/press-releases/computer-hacking-code/online-reputation-management/sbwire-131240.htm

Laguna Beach, CA -- (SBWIRE) -- 03/12/2012 -- IMAGINE... You are the founder and operator of the most widely recognized online consumer advocacy website (RipoffReport.com) and that you discovered one day 1000's (thousands) of consumer complaint reports had been illegally removed from your private server system by a computer hacking code known as 'SQL injection.'

Next, after a thorough investigation, you conclusively identified and traced the offending code to a technology known as "The Cool Technique". You discover their attacks were part of a network of "online reputation management" enterprises that were partially launched into the public sector by two known convicted felons. Both of these individuals had pleaded guilty to a $20MM-plus bank fraud scheme known as 'Operation Lease Fleece.' These felons were continuing to work together with impunity and were employing aliases to obscure their criminal histories all while awaiting sentencing on a Federal bond program of "supervised released."

And, last but not least, that their supervising Central District of California authorities at both the US Attorney and the FBI offices, which were responsible for the supervision of these individuals behavior while outside custody, were explicitly and repeatedly notified of the details of this new criminal enterprise and took no action to prevent, and or mitigate the damage, to prevent the censorship of free-speech of consumers and victims world-wide.

Darren Meade, a CEO in 2010, identified the Online Reputation Management sector as an area of growth. Meade's efforts to reveal the dangers of ORM were recently featured on Fox Newshttp://www.foxnews.com/scitech/2012/01/20/google-cide-online-reputation-managers-can-wipe-from-web/

Meade was granted the opportunity to speak directly to the United States District Court Central District of California and address Honorable Cormac J Carney for No. SACR 07-00249-CJC at the sentencing hearing for the convicted felons mentioned. Meade provided details of the organizational structure of the ORM entities and a two-step process of coupling the creation and posting of online defamatory materials in a fee-for-service of removing of the content from online consumer advocacy websites. Meade's testimony provoked an order from the court for an evidentiary hearing to discover further details on Meade's information. However, the Court subsequently withdrew the order following the receipt of sealed information from the US Attorney's Office.

According to Meade he resigned in February 2010, after a company for which he was the CEO, had funds embezzled to purchase a hacking code which had been sold to the largest players in ORM for over the last four years.

Meade provided explicit details of this enterprise (including contracts, emails, and consensually recorded audio recordings of planning meetings) to the FBI and US Attorney divisions of the Santa Ana, California DOJ. No investigative action was taken.

"My testimony to the Court has now proven true; the code has been used to silence victims, and legitimate consumer complaints about fraudulent business practices, doctors practicing without proper training. Plans were made to even sway election results. It can be used to make content disappear on search engines and private web servers."

Meade said once he discovered the technology was hacking and what its implications were, he made it his mission to warn the public about the dangers this technology poses to free speech. He also understood the institutionalized repertoire of serial defamation, vexatious litigation, and death threats have all be leveled against him in a futile attempt to force him to retreat from his stated goal.

Meade also stated that Ripoff Report has reversed the hack and is now the only completely secure site impenetrable to hacker code that he is aware of. What else has been deleted from the internet outside of Ripoff Report that has never been restored? What is being censored from us in the search engines we use every day? My fear is all the other websites, forums and search engines are vulnerable and that they have moved into phase two, becoming king makers for the political party who pays them the most. I know this might sound like a conspiracy theory, until you understand the former political chairman associated with the group.

Those seeking more information may visit http://www.ripoffreport.com/organized-crime/google-cide-exposed/google-cide-exposed-by-the-man-01cd6.htm

March 2, 2012

trendingbuzz: Innovative Credit Consultants - Fixing credit scores and fast!

trendingbuzz: Innovative Credit Consultants - Fixing credit scores and fast!

I’m not sure what I would have done without Innovative Credit Consultants. It’s really difficult to have anyone take you seriously in the financial world if your credit is less than ideal.

I have a long family heritage that can be traced back to Colonial America. I am proud of my family, especially its traditions. One of these traditions is naming the firstborn son’s eldest son after the founding father of our family. As fate would have it, my father was the first born, so my grandparents named him John after my great, great, great, great, grandfather. Then, twenty four years later, I was his first born son and I was given the honor of carrying on the family tradition. Now, my eldest son is John too.

The tradition always gave me a sense of belonging, however, sometimes tradition and modern day practices conflict. Three living generations of John Caldwells have completely wreaked havoc on our credit scores. It wasn’t until my wife and I tried to buy a house that we were made aware of the problem. The bank came back to me and said they wouldn’t be able to give us a loan due to my low score. I was surprised since I didn’t have any outstanding debts and if I was almost never late with my payments.

I went home that day and checked out my score. To my astonishment, my report was a mile long with my father’s information and mine entwined. Out of curiosity, I had my teenage son run his and we discovered that both my information and my father’s were on my son’s report too. We spent hours on the phone speaking to creditors and bureaus trying to straighten out the mess. We had little to no success.

Then, a friend of mine suggested that we go and speak to the representatives at Innovative Credit Consultants. They were very courteous and assured us that they would straighten everything out. They even suggested how my son could start developing his credit for the future, something my wife and I never really considered. All of their suggestions were clearly explained and they worked diligently on our files.

Today, both my father and I have scored well over 700. We would never have been able to make it happen. Not only did they help fix our reports, but they continue to give us suggestions as to how to keep them high. I highly recommend this knowledgeable, reliable, and friendly company. They really work for their clients’ benefits and should we need additional help in future, we know where to turn.

March 1, 2012

trendingbuzz: Flip Out Mama: Medical malpractice nightmares and ...

trendingbuzz: Flip Out Mama: Medical malpractice nightmares and ...: Reblogged from Flip Out Mama:



Today I am going to share a story that might be kind of disturbing to you guys. It was disturbing for me the first time I heard it. But I think the story has an important message that we need to spread and raise awareness about.

In September 2007, young mother Krista Stryland went in for a liposuction procedure at the Toronto Cosmetic Clinc. She would never return. Turns out, the "surgeon" that performed the procedure on her, was not a surgeon at all. The doctor had no surgical experience, no surgical accreditation. She removed too much fat and fluid from Krista, way more than what is allowed. And, after the procedure, she only spent 30 seconds evaluation Krista's condition before going ahead and moving on to another patient.

Dr. Behnaz Yazdanfar has been stripped of her licence to practise medicine for two years and indefinitely banned from performing surgery on her own following the 2007 death of Krista Stryland

At her hearing, it was noted:

"“She operated on patients who should have had their procedures done in hospital,” the ruling noted. “She did larger operations than she should have done. She discharged patients inappropriately. These errors in judgment spanned her practice and were not isolated events.”

What happened to Krista? She died. What happened to Krista's little boy? He has no mommy. What happened to the doctor? Umm. She was stripped of her medical license for two years. She can apply for her license to be reinstated after a year, and even then, she can still be a surgical assistant.

Ridiculous.

So, when Krista's friends and families tried to spread the word to warn others about this doctor's actions... Allegedly, the doctor's office revenue plummeted... So what was the doctor's office to do?? They hired someone to HACK sites like Ripoff Report to remove these reports and silence victim's families. I find this to be horrible!

I can't believe that this site and this man would consciously remove the reports that were warning others about this!

I find this very disturbing and I wanted to share this story with others so that you can be informed about this type of hacking and that it does in fact, exist.

Have you ever heard of something like this? Please share in the comments if you have.