• Consumer Reports Magazine
• Auto Week Magazine
• Your local newspaper's auto section
• Local dealers

• Consumer Reports
• Edmunds.com - www.edmunds.com
• Kelly Blue Book - www.kbb.com
• NADA guide book - www.nadaguides.com

You are ready to purchase a car. You now have a good idea of how much you should spend, how much you are willing to spend. You go to the dealership and spend hours negotiating a price. After you have agreed to a price, the sales clerk asks do you have insurance. Because this is your first vehicle, the thought never crossed your mind.

The sales clerk says you will not be able to drive the car off the lot until you have secured insurance. You get out a phone book and start calling around for insurance quotes. You get several prices and you are instructed that you must come to the insurance agency to fill out paperwork. You must then go back to the dealership and show them your insurance policy. This has been a long and stressful day.

Carinsurance.com is ready to help. How can you get the best deal on auto insurance?Use carinsurance.com at the dealership and you will be able to purchase insurance and print your proof immediately (in available states). With carinsurance.com, you get to shop around and look for the best deal. Find out if you save with carinsurance.com when you get your auto insurance quote. In addition to great rates and reliable coverage, carinsurance.com offers tools and information to help you understand your auto insurance coverage better.

Whether you are a first time car buyer or a seasoned pro, carinsurance.com offers you the ability to shop for insurance in one easy website. Next time you are stuck at a car dealership, go to a computer, type in carinsurance.com and find the best rate without leaving the store..

Log your visits to potential houses. Sounds silly, but after you look at several, it can get confusing later on. Write down advantages and disadvantages of each house. Even draw a simple layout sketch to refresh your memory.4. Money. How much more is your house going to cost than just your house payment? Taxes and Insurance.

And if you are new home buyer and don't have a huge down payment (20%) then add in mortgage insurance. Required by the government. Check with your mortgage company. They can give you the rate. Realtors sometimes forget to tell you these added costs.

This will be your real payment. You also have to look at utilities. And certainly it would be hard to move into a house without repainting or wallpapering or something. 5. Shop till you drop. Don't stop at the 3rd house and say that's it and pick one.

You should look at a bunch of homes to get a good comparison. And you'll remember number 3 above. You should look at 15 homes at least as an average guideline.6. Inspect. Found the house you want? Ready to make an offer? Not yet. Hire a professional inspection service.

Once they make their inspection, you are better armed with any potential problems and can adjust your price accordingly.7. Let the negotiations begin! Now you are armed with your inspection information, you are ready to negotiate carefully. Put it ALL in writing. No exceptions.8. Moving. Allow extra time to move. Something always happens.

Make sure you have plenty of overlap and plenty of time to get out of your old house. One word. Rain.9. A word on insurance. Shop around. Consider a high deductible.

$250 deductible seems a little low these days. And you pay for it. Also, consider your car insurance while shopping. Most offer discounts when they get all of your business. 10. Real Estate Agents.

Yes, you can find a house on your own, but agents are helpful to assess your needs and show you houses that may match what you are looking for. They also get on your side for the negotiating. Get a referral from a friend or family. Buying a house is a big deal. No need to rush.

They make them everyday. Shopping for financing can be as big a step as actually finding the house. Don't give up. It's work. Then you have to move everything..

There are always hundreds of classic and collectable vehicles in the Show & Sale area, plus Acres of Vendors selling thousands of Parts and Accessories at Super Low swap meet prices.The next San Diego Auto & Cycle Swap will be held on Sunday, January 23 from 6AM to 2PM. Vendor spaces are only $25, to Show or Sell any vehicle is just $15 and general admission is still just $5, with parking and kids under 13 - free. Grossmont College is located where Routes 52 and 125 meet in El Cajon, CA. The best time for media coverage is between 9AM and Noon.For more information contact: Ray Taylor, 13223 Black Mt. Road, #1-344, San Diego, CA 92129, (858) 484-9342, Event Day please call (858) 837-1246."Grab A Friend, Bring Your Cycle and We'll See Ya There!"San Diego Auto Swap Event 2005 Dates at Grossmont College:Sunday, January 23: Grand Opening Cycle SectionSunday, March 20Sunday, May 1Monday, Memorial Day, May 30Sunday, June 26Sunday, July 24 ??????????????????Monday, Labor Day, September 5Sunday, October 2???????????????Sunday, October 30Sunday, November 20 ????????????Sunday, December 18: Toys for TotsThe following is a typical listing for their events:California, San Diego, Ray Taylor presents the Monthly San Diego Auto & Cycle Swap, Show & Sale , from 6am to 2pm at Grossmont College, 8800 Grossmont College Drive, where Routes 52 & 125 meet in El Cajon, California 92020.

Car Show features Trophies, Patches, Cash Prizes and Entertainment, free Continental Breakfast for Swap Meet Sellers, Highlighted Vehicles & Cycle entries. There are free dash plaques for the first 100 vehicles, plus a free cash raffle for all who attend the event. A San Diego Auto Swap Cap given to every 100th Buyer. General Admission is still just $5 with parking and kids under 13 free. Information: Ray Taylor, San Diego Auto Swap, 13223 Black Mt.

Rd., #1-344, San Diego, CA 92129, (858) 484-9342; Fax (858) 484-7020. www.sandiegoautoswap.com.

If your score is too low they might not even offer you insurance or they may offer it to you with higher premiums.Many companies will also check your credit when you apply for a job. They look at how well you handle your personal finances as an indicator of how well you will take care of your professional responsibilities.With so much at stake with your credit score it makes sense to know what your score is. TrimYourDebt.com has negotiated with the credit bureaus to offer consumers a free look at their credit report and credit score. It is a 30-day free trial offer, so you get the information right up-front and you can cancel free of charge within 30-days. To check your credit score for free, visit http://www.TrimYourDebt.com/GetYourCreditScore.aspx?src=art to find out now..

Although many health insurance companies will pay "customary and reasonable" hospital costs abroad, very few will pay for your medical evacuation back to the United States. Medical evacuation can easily cost $10,000 and up, depending on your location and medical condition.Please note: The Social Security Medicare Program Does Not Provide Coverage For Hospital Or Medical Costs Outside The U.S.A* Published by the U.S Department of State www.eCRUISES.com and iTravelInsured prides themselves on exceptional customer service, and will provide assistance on everything from booking to travel accommodations and cruise guides. "At www.eCRUISES.com, we believe in giving people what they want ? the lowest prices including: the cruise, port charges, govt. taxes/fees and full cruise vacation insurance protection as a top value gift from us plus expert service that's convenient, fast and friendly," said Mike Ripka, CEO of www.eCRUISES.com. www.eCRUISES.com customers of this limited time offer can book-on or off-line 800-223-6868 or www.ecruises.com featuring minute-by-minute pricing on over 10,000 sailings aboard Carnival, Celebrity, Crystal, Cunard, Disney, Holland America, MSC, Ncl America, Norwegian, Oceania, Orient, Princess, Radisson Seven Seas, Royal Caribbean, Seabourn, Silversea and all other cruise and river cruise lines.

About www.eCRUISES.comFor over six years, cruise lines in the world. Their feature-rich yet user-friendly website includes hot and last-minute cruise deals, pre- and post cruise resort stays, cruise information and guides, personalized group programs, exclusive cruise insurance, cruising of ports-of call shore trips and air transportation..

This policy will typically cover furniture, clothing, and most personal property in the event of fire or smoke, lightning, vandalism, theft, explosion, windstorm, or water damage from plumbing. In most cases, the insurance company will take your word for what you think your property is worth. However, if you're wanting to insure your jewelry, art pieces or other collected items, you might need to pay extra for what's called a "Scheduled Personal Property Endorsement." For this type of coverage, the insurance company will send out an appraiser. An appraiser will also be sent out to your property in the event that your insured items have been damaged.For a little extra, most insurance companies will cover your things on a replacement-cost basis. For example, if your old microwave is only worth fifty dollars, but it would cost one hundred and fifty to replace it, the company will insure that microwave for a hundred and fifty dollars.

That way, in the event of an actual disaster, or if your property is damaged and your insurance company is going to cover it, you won't be reimbursed for a ten year old refrigerator or a five year old couch, but for what it will cost to replace them.The HO4 policy also pays any necessary additional living expenses you are forced to make due to a natural disaster or in case your apartment asks you to move out for a short period of time while they remodel, fumigate, etc. If your apartment building is hit by a tornado, it's going to take more than a couple of days to rebuild your complex. Eating every meal out and living in a motel can add up quickly. By investing in this policy, you won't have to worry about these expenses.Renter's insurance is typically priced around $200/yr for $30K worth of coverage and $100K worth of liability. However, the cost for renter's insurance may vary depending on several factors.

For example, you will pay a lower premium if you're next door to the fire department than if you're two miles away. If you are in a high crime area, your premium will be considerably more than someone living in a picture book neighborhood. In older apartments without up-to-date wiring, the premium will be a bit higher. For complete details, contact your local insurance company..

We have gifts for all holidays and occasions. We also have Christmas gifts in, but shop soon before all are out of stock. Why should you buy from us? 1) Because we offer secure ordering. 2) We guarantee our entire line of product for 30 days no questions asked. 3) We have been in business for 3 years and are well established.

4) We have the best gifts at an affordable price. So now my question to you is: Why not have the beauties of the world in your home today? Most consumers have figured out that it is much easier to shop while relaxing in the comfort of their own home at their own leisure, than to fight traffic, battle for parking and walk miles in crowded shops when they can do it quicker and easier using the convenience of the internet for their shopping needs. Whether it is a gift for yourself or for someone you love and wish to show them how much you care, our place is the place for you to look. What do you have to lose by stopping by to look? 5 minutes. You could go down to the mall and waste 1 or 2 hours trying to find that perfect gift you are looking for.So now, quit wasting all that time in the mall and come see us, we are positive you will not be disappointed http://www.countrycharisma.net/ If you have questions feel free to contact us at http://www.info@countrycharisma.net You will not get answered by an auto responder, you will get a response from a real person.

If you would like to be put on our new mailing list let me know and I will keep you updated to new gifts items as they come available..

• Liability insurance is mandatory, and is used as financial protection against loss or injury caused to others while operating your vehicle. The minimum amount of insurance required differs across jurisdictions but keep in mind that skimping on liability insurance may cost you in the long run. Minimum liability will not cover the cost of an accident resulting in the injury of several people, for example, particularly in circumstances where litigation is an option.
• Vehicle damage insurance, unlike liability insurance, may be optional.

  Damage insurance, however, is still recommended for the simple reason that damages to a vehicle will quickly add up in the event of an accident where you are at fault. Not being able to recover any money will have serious ramifications on your bank account.

• Some dealers or credit grantors may require that you take out other insurance such as life and/or disability insurance prior to agreeing to do business with you. Make sure that you fully read and understand any agreements that you are asked to sign and that you get a copy of the completed and signed agreement. Do not sign an agreement unless it is completed in full.

Here are some items to consider in keeping your insurance rates to a minimum:

• Accidents can increase your insurance costs, especially when you are at fault. Though it's easier said than done, staying out of accidents will save you money in more ways than one.
• Statistics show that some vehicles are more likely than others to be involved in an accident. Insurance companies are aware of this and therefore charge more to insure high-risk vehicles. The make and model of the vehicle, its colour, and whether it's a two-door or four-door are all factors considered by your insurance company. Some cars are also more expensive to repair or are frequently pursued by thieves.

  Consider how important owning a high-profile vehicle is to you. Contact the Vehicle Information Centre of Canada (www.vicc.com) to find out which vehicles will cost you more to insure.

• Where you live may affect what you pay for automobile insurance. Driving to work everyday, especially if it's a long commute, does not only mean extra gas and wear and tear on your vehicle but also the possibility of a higher insurance premium. Urban residents may have higher premiums than those living in rural areas.
• Insurance companies reward those who are of low risk to them.

  Discounts might be offered for driver education, multiple vehicles, high academic achievement, anti-theft devices or abstinence from alcohol, among others. Have your insurance broker inquire about any of these types of discounts.

Booking your holiday online means you can look for the best deals, and search in the comfort of your own home." Darren says the rise of the Internet has made it easier and more convenient to seek out and reserve a holiday home, why stay in an overcrowded hotel, when you get have the privacy that a villa holiday brings. No more shared swimming pools, instead relax in privacy within your own pool. If you're nervous about dealing one-on-one with a holiday home owner, don't be. Darren says that some of the nervousness is brought on by the travel agents, who advise against booking a private holiday rental, as the companies offering rentals are not ABTA bonded. Providing you get adequate travel insurance, and are cautious and follow some simple booking instructions, you can minimize the risk: - Speak to the owner of the property, you can learn a lot about a person, and you'll probably feel much comfortable than communicating through email - which can be impersonal.

- Each property owner will have their own way of processing a booking but, as a guideline, you should expect to pay a deposit to secure the booking of between 10% - 50% of the total rental. This is normally paid either by cheque or by bank transfer and the owner should confirm the booking and receipt of your payment by letter or by e-mail. - Check the cancellation terms with the owner at the time of booking - deposits are often non-refundable and they may have a sliding scale of charges for last minute cancellations after the balance has been paid. We recommend that you ask for any terms and conditions in writing. Make sure that you have the address and directions to the property.

These are normally sent to you on payment of the balance. Some owners will send you a key in advance, some may live on site and be there to welcome you, whilst others may have a local representative or neighbour who will meet you. - Make sure that you have the telephone number of the owner or their representative so that you can call to let them know if your arrival time is delayed. If you encounter an owner who is unwilling to talk to you on the phone, beware. You simply cannot send money to someone you've never spoken to.

Go with your gut feeling. Take out adequate travel insurance, we would recommend that you speak to a travel insurance specialist, and explain the type of holiday you are going to book - that way your going to get the right advice, and the right level of insurance - remember that you'll pay a deposit, if for any reason your ill, or your flight is cancelled or delayed, you'll need insurance to be able to claim the deposit back. - Don't be embarrassed to ask for testimonials from other holidaymakers, or email address / telephone number of other holidaymakers who have book the accommodation. Have a search on the internet, and see if you can "dig" up any bad feedback or reviews about the owners or property rental. "To many this may sound time consuming," says Darren, "Most owners, respond within 24 hours, once you have confirmation of the booking and paid the deposit, then you book your flight, and travel insurance - by leaving the travel agent out of the process, you will save money, and you have the opportunity to research the location and accommodation, before booking, compared to booking with an agent who, let's be honest is trying to get you to book quickly, for commission." Darren says that many travel agents are now realising the potential of the internet, our website alone, is a complete booking portal, you search for accommodation, contact the owner, and then through our travel shop you can book your flights, car hire and travel insurance.

Next time your looking to book your holiday - have a search on the internet, you'll be surprised what you can find..

The CLU designation provides students with the professional financial training to help their clients manage a successful business achieve financial security through life insurance, address business succession issues, and enhance the value of their estate. Students enrolled in the ChFC curriculum learn about creating a sound financial plan and how to achieve long and short financial goals through investments. In addition CLU, ChFC and LUTCF students must all agree to subscribe to The American College's Code of Ethics. Earning these prestigious designations, qualifies students to become members of The American College's Alumni Association with more than 150,000 members worldwide. "With a population estimated at 1.3 billion individuals China represents an enormous financial services and educational opportunity for our institution", said Larry Barton, PhD., President and Chief Executive Officer of The American College.

"We are delighted to work together with the USAsia Center to begin offering financial professionals the opportunity to enhance their practices with the sales skills and product knowledge available in the LUTCF curriculum". Upon completion of their studies, financial professionals in China will join more then 65,000 designees who have earned there LUTCF through The American College. Earning this prestigious designation qualifies students to become members of The American College's Alumni Association with more than 150,000 members worldwide. Significance of the Life Insurance Industry in ChinaThe life insurance industry in China is rapidly evolving and growing. As of 1989, the total gross written premium was RMB 9.8 billion (US $1.2 billion).

By year 2000, the figure had increased to RMB 159.6 billion (US $20 billion), which was more than 15 times the gross written premium underwritten in 1989. The life insurance industry has become extremely competitive where companies are fighting for market share. As of May 2002, there were 6 domestic insurers and 12 foreign insurers in China. With the exception of American International Group, which is exempted from restriction on full ownership by foreign insurers, all other foreign companies have entered joint ventures with a Chinese partner in the form of 49/51, 50/50, or even 51/49, according to the International Risk Management Institute. Most of the domestic insurers are authorized as national insurers who can conduct business on a nationwide basis.

China is already benefiting from export and trade with other nations and the inflow of foreign direct investment. The inception of The American College's designation programs in China will facilitate the growth of the insurance industry and will help to create qualified and successful financial advisors in that region. Need for Trained Life Insurance ProfessionalsOne of the issues facing the financial services industry in China is the lack of sufficient sales and product knowledge held by local agents and their support staff and the lack of high-quality training opportunities to improve the situation. At one time, in China, selling insurance was just a way to earn an extra income rather than a full-time career. This led to the perception that selling insurance did not require much training or education beyond having a network of personal contacts.

As the standard of living and financial resources of individuals in China increases, it is becoming crucial that the financial services industry produce a large number of highly knowledgeable and well-qualified professionals to serve needs of this growing client base. Potential clients investing in insurance have become more market savvy and demand a higher level of professionalism and competency from industry leaders.In addition, financial education helps to address the high attrition rate among agents in the Chinese insurance industry. Companies see training as a key to retention incentive because it helps raise the prospects of the individual agents' success. Increased retention also reduces the considerable time and resources required to orient and train new agents- improving company profitability. The American College is the nation's leading non-profit educator of professionals in the insurance and financial services industry.

Located on a 35-acre campus in Bryn Mawr, Pennsylvania, The College is a public charity that serves over 35,000 students annually, predominantly on a distance education basis. The American College offers an array of specialized designation programs, Master of Science degrees in several disciplines and customized continuing education programs for those pursuing a career in financial services. For more information, visit www.TheAmericanCollege.edu. Contact:????Noel P. Kirkner, Public RelationsThe American College(610) 526-1453.