Three Ways to Reduce Your Insurance Premiums

In today’s world, insurance premiums and related costs seem only to increase. That doesn’t change how important it is to maintain your coverage to protect yourself, your family, and your assets. So as you survey the market, consider utilizing these cost-saving measures that can lower your premium while maintaining all your current levels of protection.

Get more information

Most modern cars are equipped with a variety of smart technologies that can help you gather useful information about your vehicle. These “connected” features collect data from your driving habits and the vehicle’s maintenance needs. Understanding where to find and how to understand this data can help you spot issues early and repair your car before more serious and expensive issues arise. They can also help you achieve higher fuel efficiency to save you money at the pump.

Additionally, many companies offer incentives for good driving. If your insurer offers this type of program, they will send you a device that can be quickly connected to the information system in your car. The device will then observe your driving habits for a short period. At the end of the trial, your insurance premiums could decrease based on the data collected. In other words, if you drive safely, you could see a reduction in your monthly premium. Some companies offer upwards of 15% discounts for safe drivers.

As an extra tip, be careful with your quick accelerations and hard stops as this data could impact your savings.

Explore available partnership discounts

Nearly every insurer offers a wide range of discounts to members of various groups. Being a good student, part of a university alumni association, or a member of a partner organization could help you find savings. You can usually see a detailed listing of these partnerships and discounts on your provider’s website.

If you find you might be eligible for savings, contact your insurance representative to discuss applying the discount to your account. The company will be ready to help you with the process as they look forward to building positive relationships with their customers and partners.

If you aren’t a member of one of these groups, you can research their membership options. Sometimes even a small donation to a non-profit organization can earn you a discount with your insurer.

Combine plans

Lastly, most people carry a variety of insurance plans these days. Car, home, and rental are a few examples of policies that people own. Some insurers will offer customers a discount for carrying multiple policies with the same group. So if you own several plans, you should research options for combining each into one plan with the same provider. This small change won’t impact your coverage while potentially reducing your combined payment each month. If you end up switching companies, you might even qualify for a new customer bonus!

Spending time researching and learning about the features of your insurance plans can help you better understand what you are paying for and where you might cut costs. Each of these options can help you save money and time. Watch and be surprised at how quickly your savings add up!

To learn more about insurance, Medford residents should visit

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Disarticulated America (Commentary, and Personal Thoughts)

The Government of the United States under Obamaism, and preceding with Hillary Clinton, to which surely will remain so if she is to run the country in the near future, will boil us alive, little by little, without us even noticing it. Like a frog in a kettle, turning up the heat little by little, unaware of it, and then never to be aware of it, once dead. This awareness of what is going on at the White House, is short on providing straight answers to simply questions. This I believe can be seen by the weakening of our country, as to reinforce our need for globalism. That being the main reason both Obama and Hillary have tried to threaten England out of their desire to be a sovereign nation, yet connected in a lesser form, as with NATO, etc. This is in the same strain of Obama’s thinking. The next step is to have us join the World Court, and be subject to their jurisdiction. This is their homicidal and suicidal mounting horrors for all America, so I believe as a nation. A madness of immolation, or self-destruction, like Rome did it from inside out. Soon we will be 21-trillion in debt, another disjointing bone for America; much like taking and milking down gun control to have a carnival of bloody holidays, in safe zones, while coast to coast Islamic Terrorism is unleased, uncrushed by allowing open borders. Hence, becoming a dismembered sacrifice for Islamic triumph. I see in many cases the Muslim communities want a part of America, just not to be a part of America. Right or wrong, rights without responsibilities gives rise to a savage error, as an American Citizen it is everyone’s duty to uphold the Golden Rule: to do on to others as you’d have them to do on to you. So simple most folk have forgotten the slogan. If it was up to me, we’d have some middle ground here, not two representatives for president so unlike their own parties. But here we have it, so one must look at what is at stake, not what one can get out of it. In Peru, unfortunately, for a buck, you can buy a vote, it is not much different in America nowadays.

A last word on this, and not to play the fear card, but American politicians are already studying and alert to, and awaiting for the nuclear disarticulated malefic Islamic Terrorist mind (they already know the source); it is not a matter of if, but where and when it will take place, we are now seeing the prelude to WWIII, and luckily it has not taken place yet. The IsIs, the whole population of this Islamic Order is a blood-mad priesthood going forth daily in the ritual of those far-off days of Mohammed’s warriors; mentality sapped and bestialized. It should be said, however, that most Muslims will misunderstand and question the statement of the New Testament that ‘God is love.’ Thus to address God, as a God of love or ‘Father’ would be far from Muslim thought. As it would be to address Jesus Christ as the Son of God. They don’t fear him because they do not believe he will return. Therefore by doing so, they deny their need for Christ. On the other hand, there is no atonement for sin, no propitiatory basis for forgiveness of sins for Muslim. Contrary to Christianity. As for Muslims, forgiveness is predicated upon both personal merit and Allah’s choice of mercy. Thus, never knowing of their fate, and as the Qur’an stipulates, “God is All-mighty, Vengeful!” They think Christians teach a falsehood, concerning Jesus and Mary, much as I think they teach a falsehood concerning Muhammad, and Allah. Actually the Qur’an, teaches them to deny. They believe the 3rd Testament of God’s word, is the Qur’an that supersedes the previous two. Although this is contradictory, because although they may have some of the same prophets, they have a different God completely. What the IsIs have forgotten is the Qur’an states evil deeds will be weighed on a scale at the Day of Judgment. This should scare them, but evidently it doesn’t. So at the end of the road they look for balance.

And in case we’ve forgotten, a democracy is for the people by the people, not for a president and his associates, by a president.

Anyhow, this is just a simply commentary on some daily thoughts, don’t take it to serious, we all need to have an open mind, that is the best of nature in the human.

Dr. Dennis L. Siluk, Poet Laureate

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The Importance of Knowing How to Prosper

Women are making momentous strides economically. But it still seems to be that more women than men are uncomfortable with money. Both filth rich and dirt poor are incompatible with sugar and space and everything nice.

So many women have avoided thinking about money in favour of taking whatever comes to them by the path of least resistance.

As a result, women may be enchanted with what money can buy but intimidated by its acquisition and upkeep. In order to have a grounded sense of self in this era and culture, women need to be financially skid-proof.

If money is an issue, time that could be spent cultivating an exception life will go instead to working overtime, worrying overtime, and wearing yourself out to come up with ingenious ways to pay off your Master Card with your Visa. Financial well-being depends on living in accord with underlying principles.

1. Money is nothing to be afraid of

Get comfortable with it. Carry some extra cash so that you’ll never be without it. Balance your check book promptly. Pay your bills on time. Know how much you have and how much you owe. Enjoy your money without anxiety.

2. Spend joyfully but rationally

Some people use purchasing power to make up for feeling powerless otherwise but reckless spending fuels further helplessness. Buy what you need and buy what makes your heart sing. Respect yourself, your space, and your solvency enough to leave the rest in the store.

3. Be wary of debt

You rob your future when you spend money you don’t have by using credit without reserve cash or collateral to cover the purchase. Unless you conscientiously pay off credit cards each month, consider the freedom of a cash economy, incurring no unsecured debt.

4. Put some of your money aside

Compound interest is a wonder of the world. If saving is hard for you, start with a small but consistent automatic transfer from your paycheck or checking account into a money market or mutual fund. As your money grows for you, saving will grow on you.

5. Don’t deprive yourself either

The opposite of squandering, deprivation leads to discontent, self-pity and periodic spending binges. Instead, use your resources to take good care of yourself as well as those you love. As long as you’re not going into debt to do it, treat yourself to fulfilling experiences and guilt-free gifts.

6. Learn prosperity principles and the basics of finance

To make friends with a person, you find out about her life and her interests. To make friends with money, do the same thing. Read the financial pages. Take a course in consumer economics. Learn about the metaphysical underpinnings of abundance.

By taking these steps, you will prosper and you will enjoy yourself as a woman. This will give you the self-confidence and ability to be just as powerful as a man who controls his money well.

Irene S. Roth writes for teens, tweens, and kids about self-empowerment. She is the author of over thirty-five books and over five hundred online articles. She also has four hundred and sixty published book reviews both online and in print. For more writing tips, please visit her website at In addition, she published a book about on how not to scattered in our culture. Please double click on this link for more information.

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How to Give More: The Power of Charity

How can you have happiness and self-fulfillment? There are countless ways. But in this article I will mention only one and emphasize on it. What is it? Read on to find out.

By giving away more financially or de-cluttering your home, you get a sense of satisfaction and boundless joy. Why not try one or more of the following ways?

1) Donate to a cause you believe in

Making a donation to the victims of a cause such as, cyclone, earthquake or flood either in your nation or any another part of the world will make you feel good while it will do good for the other party.

2) Donate to a charity organization

Make donations to an orphanage, old homes, cancer hospitals etc. Like before, the case is the same. While you put out some good out there, the other party is benefitted and you feel contented and satisfied.

3) De-cluttering your wardrobe

If you have heaps of old clothes that you do not wear, make some time to de-clutter your wardrobe and give them away to the needy or old clothes’ giveaways. While you make space in your wardrobe for free energy flow and possibility of adding more new clothes, you will feel happy having done the task.

4) De-cluttering your shelf’s old books

You may not need old books left over by you and/or your children and hubby. These you can freely give away to old books’ stores who will happily take them because they keep antique collections. While they feel gratified, you feel good about making new airy space in your home. Not only you benefit because it is a win-win situation for both parties.

5) Writing fiction stories for free

You can, for instance, write short fiction stories and contribute to the world via popular free books’ sites. It’s fun to see how many downloads you get every day and the ratings. You feel inspired about them while your audience gets to have interesting free reads.

6) Writing books for free in your niche

You can write books for free in a niche you love, for instance, self-development or self-growth. While you grow your email list as the audience subscribes for free for your books, they feel happy to get free quality products in a niche they love. So it really is a win-win situation again.

The power of charity is that great because not only the other party gets helped but you help yourself to achieve jubilation and enlightenment. Plus there is an added advantage. The more good you put out there, the more the Universe responds positively helping you to reap bigger rewards.

Rosina S Khan has authored this article, highlighting how giving away more is advantageous for you.

For a wealth of free resources based on stunning fiction stories, amazing self-help eBooks, commendable articles, quality scholar papers and valuable blogs, all authored by her, and much more, visit: You will be glad that you did.

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What Is Going On With College Professor Radicalized Hate Speech?

Something is completely wrong with this picture; College and University Professors across this country are actively trying to overthrow our duly elected president and inciting protests, riots and violence against anyone and everyone who voted for Donald Trump and Mike Pence. Is academia radicalizing lone-wolf college students to take to the streets in violation? Why? Why are they radicalizing our kids, and why on Earth are we paying the high-tuition costs allowing them to have a platform to do this?

There was an interesting article in Reuters on December 27, 2016 titled: “Pennsylvania professor under fire for ‘white genocide’ tweet,” by Ian Simpson which stated:

“A Drexel University professor, whose tweet that he wanted a ‘white genocide’ for Christmas sparked a fire storm of criticism from the school and social media users, said on Monday his comment was satirical. The white assistant professor of history and politics posted ‘All I Want for Christmas is White Genocide’ on Twitter on Christmas Eve, and he followed it up: ‘when the whites were massacred during the Haitian revolution, that was a good thing indeed’. The University publicity department said that although it recognized the right of faculty members to express their views, the comments were utterly reprehensible, deeply disturbing, and do not in any way reflect the values of the University.”

Actually, in many cases, those views do indeed reflect the University’s core staff and professors’ personal values. In fact, in our local area we too have a well-known university and the political rhetoric coming from our institution here is similar in radical hate-speech rhetoric. Some 158 faculty and staff members here signed an open letter stating that Donald Trump is a bigot, racist, misogynist, and that the President is anti-science, and anti-intellectual and further stating that the undersigned would “fight” against the President and his policies on behalf of their students.

The same day as the article above the Washington Post too had a story; “A professor called Trump’s election an ‘act of terrorism.’ Then she became the victim of terror,” by Peter Holley. That story originated at The Orange Coast College Republicans in Costa Mesa, California. The professor stated this in a lecture in the classroom, also stating that the Vice President was one of most anti-gay people in America. She also stated in the video that what we need now is a revolution since Trump didn’t win the majority and that ‘we’ outnumber them, them being the voters who elected Trump.

This is a completely scary situation – the angry left in academia claim to be intellectuals – but their actions around our country are more akin to inciting terrorist acts. If anything these authority figures are not with us, nor do they care about freedom of speech, freedom of the press, the right to own arms, the right to free contract, rather they want to rule the world by decree inciting violence to serve their political will.

Lance Winslow has launched a new provocative series of eBooks on the Future of Education. Lance Winslow is a retired Founder of a Nationwide Franchise Chain, and now runs the Online Think Tank;

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.