What is prospecting? It's finding potential customers.
Actually, it makes little difference what you're selling. Your success in sales will ultimately depend on your ability to prospect. The more you know about these prospects and the more qualified prospects you develop, the higher your closing average will be.
Prospecting methods. In many ways, prospecting can be likened to the hub of a wheel. Each spoke in the wheel reaches the hub at a different point, and so it is with prospecting. There are six basic prospecting methods.
1. Cold canvas.
2. Observation.
3. Chain of referrals.
4. Old customers.
5. Nests.
6. Centers of influence.
This last method, centers of influence, is what I attribute most of my success to. In effect, this person uses his or her influence with others to help you, possibly even making appointments for you with people he or she knows. The easiest way to gain an interview with someone is to be sent to him by someone he respects.
In some cases, a referral is all you need to make a sale. This prospecting method can even seem magical. The possibilities are infinite with a center of influence. Someone who is a center of influence generally gives you help over a long period of time and often participates in making the sale, or providing third-party support.
Your potential prospects
Begin to school yourself in the idea that everyone is a potential prospect. You'll be amazed at how you begin to look at people differently when you realize that everyone you know or come into contact with is a potential sales prospect.
When you first start out prospecting, begin at your home base. With the help of your family and close friends, list the names and contact information of everyone you each know. Don't try to filter out who may or may not be interested in your product during this initial phase. Simply make a list of everyone you can think of. Transfer these names to index cards or a spreadsheet. Next write down any extra information you know about them, such as where they are employed, their hobbies, interests, and any affiliations they may have.
Rate your prospects
After you write down everything you can think of about them, rate each one in terms of whether you think they are a poor, fair, good, or excellent prospect. Would they be interested in your product? Do they have enough income to afford your product? Do they know other people who should be added to your prospect list? The more you know, the greater the odds for a successful sale. Rating will help you know how to prioritize your existing contacts.
Work your list
School yourself to observe everyone carefully, and begin working your list. Make phone calls, set up interviews, work your sales, and always look for new prospects to add to your list. Remember, everyone is a prospective customer. Ask each prospect and customer for referrals, being sure to ask for as much information as possible. If you have a physician or other specialized professional as a customer, try nest prospecting. For instance, one physician can introduce you to at least a dozen more. One small business owner could introduce you to all the others in that same development or niche.
Always ask for referrals
Not to ask for referrals is simply a lost opportunity. Take referrals one step further by being sure to report back to the person who referred you. If his or her influence was strong, you may have just found yourself another center of influence. Communicate your appreciation, and be on the lookout for ways that you can help those who help you, too. Referrals are a two-way street.
With perseverance and steady effort, you can become a master prospector. Word of mouth advertising is powerful. Satisfied customers are a valuable commodity and can be your key to prospecting your way to prosperity.
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Sunday, October 31, 2010
Thursday, October 28, 2010
Creating a Corporate Image that will Succeed
For any corporation around, it is very important to create a distinct image in the market. This is known as Corporate Image which distinguishes the corporation from its competitors and provides a picture of it to the general public. It depicts the principles, beliefs, productivity of the company. This image is responsible for increasing the sales of the product and to achieve brand equity.
Corporate image creation is a very strenuous and time consuming process and is carried out by experts qualifying in perception management. Basically, the creation involves marketing experts who used various kinds of promotion methods and public relations. Since this image is targeted to attract the customers, it should be very highly appealing. Besides the marketing experts critics play an important role too.
The name of the corporation along with its catch line should reflect its belief like Wal-Mart, which says that it sells for less. This logo should also be designed accordingly. Like the corporation FedEx has an arrow incorporated in its logo which depicts its fast and efficient service. Once the image is created by the corporation the next step is advertising and product distribution in the market.
If the corporation creates luxury products, they should bring in big names in the advertising experts and the models to be featured in these ads should be super stars. Likewise, they should not distribute their products to every other store; instead they should target more hi-fi malls. Time to time, advertising and branding budget should be reviewed to cut down on cost and to be in-sync with the technology. This also helps in revamping the corporate image according to the fast changing demands of the consumer.
Testimonies of news papers, magazines, and labor union can deteriorate a well-created corporate image. Simplest of controversies can be exaggerated by the media and spoil the name of the company. Controversies are born by the interference of organizations related to environment, religion, crime, politics, education and charity. Government, too, is another powerful and influential organization by itself.
Once the corporate image is created, it should be retained. It should not be like here today and gone tomorrow. This image should be reflected in all the brands and product line of the corporation. Even if one of the products isnt up to the mark, it will lead to confusion among the consumers and will hit the sales of the company. Like recently there was controversy about a particular contact lens solution of a company. It was supposed to be infecting the users with a rare disease. This not only affected the sales revenue of that particular product but also made the customers think and raise question about the authenticity of other products of that particular company.
Another companys products had hidden non-vegetarian ingredient in a vegetarian product. This led to the decrease of trust among the customers. In such a case the company should either advertise itself as a company selling non-vegetarian food or it should invest in promoting the company as vegetarian by introducing more vegetarian products.
So the image of each individual product of the company makes up for the complete image of the corporation. And last but not the least, the image should be very realistic, truly representing its values and should leave a personal touch with the consumers.
Corporate image creation is a very strenuous and time consuming process and is carried out by experts qualifying in perception management. Basically, the creation involves marketing experts who used various kinds of promotion methods and public relations. Since this image is targeted to attract the customers, it should be very highly appealing. Besides the marketing experts critics play an important role too.
The name of the corporation along with its catch line should reflect its belief like Wal-Mart, which says that it sells for less. This logo should also be designed accordingly. Like the corporation FedEx has an arrow incorporated in its logo which depicts its fast and efficient service. Once the image is created by the corporation the next step is advertising and product distribution in the market.
If the corporation creates luxury products, they should bring in big names in the advertising experts and the models to be featured in these ads should be super stars. Likewise, they should not distribute their products to every other store; instead they should target more hi-fi malls. Time to time, advertising and branding budget should be reviewed to cut down on cost and to be in-sync with the technology. This also helps in revamping the corporate image according to the fast changing demands of the consumer.
Testimonies of news papers, magazines, and labor union can deteriorate a well-created corporate image. Simplest of controversies can be exaggerated by the media and spoil the name of the company. Controversies are born by the interference of organizations related to environment, religion, crime, politics, education and charity. Government, too, is another powerful and influential organization by itself.
Once the corporate image is created, it should be retained. It should not be like here today and gone tomorrow. This image should be reflected in all the brands and product line of the corporation. Even if one of the products isnt up to the mark, it will lead to confusion among the consumers and will hit the sales of the company. Like recently there was controversy about a particular contact lens solution of a company. It was supposed to be infecting the users with a rare disease. This not only affected the sales revenue of that particular product but also made the customers think and raise question about the authenticity of other products of that particular company.
Another companys products had hidden non-vegetarian ingredient in a vegetarian product. This led to the decrease of trust among the customers. In such a case the company should either advertise itself as a company selling non-vegetarian food or it should invest in promoting the company as vegetarian by introducing more vegetarian products.
So the image of each individual product of the company makes up for the complete image of the corporation. And last but not the least, the image should be very realistic, truly representing its values and should leave a personal touch with the consumers.
Effective Phone Techniques
Now that were better aware of some of the pitfalls to avoid (read my article "Tele-phony"), lets discuss how to be an effective professional on the phone. People like to be around people, who are appropriately positive, appropriately enthusiastic, and who reflect a belief and confidence in what theyre doing.
There are several ways to sound positive and enthusiastic:
Be positive and engaged in your phone work, but not artificially so.
Make your calls during the time of day when you have the most energy and the best attitude. This will play to your natural cycle of energy.
Smile! Youve probably heard this before and its true. When you smile as you talk, your smile can be "heard".
Get proper nutrition to feed your body, your mind and your attitude. Ever notice how you become impatient when youre hungry? Ever notice how you have trouble staying focused when youre hungry? Ever notice how your attitude dips when youre hungry? Dont neglect this important aspect of phone success.
If youve been on the phone for a while (an hour or more), take a break to refresh yourself and rejuvenate. Your attitude and energy level will rise and your voice will reflect it.
As far as being and sounding professional goes, there are a number of very important techniques to employ:
Its good to develop a script so you remember the important points you want to make, but most of us dont write the way we speak. Get out of the habit of writing properly, and instead, write how you speak. It will make you sound more natural and will keep you from having to read your script.
Practice saying your script so it sounds like a completely natural conversation for you and your style.
Work to have a conversation instead of a presentation. As you get into your conversation, ask questions. Be consultative. Remember, this is about your prospect, not about you.
An excellent way to establish yourself as a professional is to introduce yourself as someone who helps people or businesses solve problems, rather than as someone selling insurance.
Another GREAT technique for setting yourself up as a professional is to be respectful of your prospects time. After introducing yourself, simply ask, "Do you have a few minutes to talk?" If youve been clear with your introduction, theyll know who you are and what you want to talk to them about. Their answer to your question will be very revealing.
Here are a couple of additional pointers:
If you feel like you sound like a telemarketer, you probably do. Change your approach/style.
If you feel that youre "over the top" with enthusiasm, you probably are. Tone things down to a more professional level.
If what you are saying makes you feel uncomfortable, your prospect will undoubtedly feel uncomfortable as well. Change how you say what you want to say so it comes out professionally and naturally. This way, you and your prospect wont become uncomfortable.
If you feel like youre coming across as being pushy, you probably are. Change your approach to reflect your own style of expressing yourself.
If you feel like youre not doing enough phone work, you probably arent. Find a way to say what you need to say in a professional manner and in a way that protects your attitude and energy, and get to work!
In conclusion, by listening to yourself as you use the phone and being sensitive to how you sound to others, you can develop an excellent style of telephone marketing that will set you apart from other marketers, will establish you as a professional, and will boost your rate of success tremendously.
There are several ways to sound positive and enthusiastic:
Be positive and engaged in your phone work, but not artificially so.
Make your calls during the time of day when you have the most energy and the best attitude. This will play to your natural cycle of energy.
Smile! Youve probably heard this before and its true. When you smile as you talk, your smile can be "heard".
Get proper nutrition to feed your body, your mind and your attitude. Ever notice how you become impatient when youre hungry? Ever notice how you have trouble staying focused when youre hungry? Ever notice how your attitude dips when youre hungry? Dont neglect this important aspect of phone success.
If youve been on the phone for a while (an hour or more), take a break to refresh yourself and rejuvenate. Your attitude and energy level will rise and your voice will reflect it.
As far as being and sounding professional goes, there are a number of very important techniques to employ:
Its good to develop a script so you remember the important points you want to make, but most of us dont write the way we speak. Get out of the habit of writing properly, and instead, write how you speak. It will make you sound more natural and will keep you from having to read your script.
Practice saying your script so it sounds like a completely natural conversation for you and your style.
Work to have a conversation instead of a presentation. As you get into your conversation, ask questions. Be consultative. Remember, this is about your prospect, not about you.
An excellent way to establish yourself as a professional is to introduce yourself as someone who helps people or businesses solve problems, rather than as someone selling insurance.
Another GREAT technique for setting yourself up as a professional is to be respectful of your prospects time. After introducing yourself, simply ask, "Do you have a few minutes to talk?" If youve been clear with your introduction, theyll know who you are and what you want to talk to them about. Their answer to your question will be very revealing.
Here are a couple of additional pointers:
If you feel like you sound like a telemarketer, you probably do. Change your approach/style.
If you feel that youre "over the top" with enthusiasm, you probably are. Tone things down to a more professional level.
If what you are saying makes you feel uncomfortable, your prospect will undoubtedly feel uncomfortable as well. Change how you say what you want to say so it comes out professionally and naturally. This way, you and your prospect wont become uncomfortable.
If you feel like youre coming across as being pushy, you probably are. Change your approach to reflect your own style of expressing yourself.
If you feel like youre not doing enough phone work, you probably arent. Find a way to say what you need to say in a professional manner and in a way that protects your attitude and energy, and get to work!
In conclusion, by listening to yourself as you use the phone and being sensitive to how you sound to others, you can develop an excellent style of telephone marketing that will set you apart from other marketers, will establish you as a professional, and will boost your rate of success tremendously.
Wednesday, October 27, 2010
The real meaning of financial freedom in the 21st Century
Discovering and developing your vision of financial freedom in the 21st century is a deeply misunderstood concept. In fact, most people are looking for it in a place it cannot be found, the mind. We are taught (especially
Americans) to follow what will bring us money but not necessarily what brings us joy. Connecting the dots of vision (our dreams) to our heart rather than the mind, is critical to a satisfying and profitable business venture in
today's world.
Let me start connecting the dots by giving some perspective. Most of us are given the impression that being in the Heart is equated with weakness. This ego-based mentality has, in essence, been the dominant stance
throughout the world, especially if we look at the prevalent business model of the 20th Century. The operating business model today is a top-down structure. Decisions are made based on what the company needs rather than
what the people within that company need. In essence, most business today serves to alienate people. The people that make the business work are not part of the equation when it comes to the direction of the company.
The challenges of the 21st century are nudging us to operate differently, as many of our antiquated systems are falling apart. It's becoming obvious that preserving and respecting ourselves and others is essential to living
and thriving on this planet.
I've come to understand through studying, being a student of wise and loving mentors, and by my experience as an entrepreneur, that our deepest desires are secured for us in our most sacred place, our Hearts.
So the first step in our Journey is to give ourselves permission to re-connect with and be in our Heart . or as inspirational speaker Ellie Drake is fond to say our "BraveHeart". Most of us have been conditioned to do what we
think. Going inside our heart is not something you will be forced to do, you can only allow yourself to go there.
So, what does it mean to be in our Heart? Being in our Heart relates to the knowing that we are all connected; that when you "do" to another, you "do" to yourself and vice versa.
Once in our heart, then we can set about on the discovery of our purpose, our "mission". This is a really fun part. Start to "vision" what brings us joy, what our deepest desires are.
Here are three lists of questions that will serve as tools to assist you in the development of your vision. I would encourage you to write each set of questions on a separate piece of paper. Update your answers as you ponder
the questions. Do this for 30 days and you'll begin to feel and see the thread of your path to financial freedom.
List One
What did you dream about when you were young, around five years old?
What did you want to be when you "grew up"?
What things came easy to you as you were growing up?
What did you get acknowledged for (even if it seemed like "no big deal" to you)?
Once you're satisfied that you've answered these questions, here are the next series designed to develop your vision as an entrepreneur. The point being, if you're not following what really makes your heart sing, everything
becomes a "have to" situation and others will pick that up and run away from you! If you're really doing what makes your heart sing and what brings you joy, others will pick up that vibration and be attracted to you.
Americans) to follow what will bring us money but not necessarily what brings us joy. Connecting the dots of vision (our dreams) to our heart rather than the mind, is critical to a satisfying and profitable business venture in
today's world.
Let me start connecting the dots by giving some perspective. Most of us are given the impression that being in the Heart is equated with weakness. This ego-based mentality has, in essence, been the dominant stance
throughout the world, especially if we look at the prevalent business model of the 20th Century. The operating business model today is a top-down structure. Decisions are made based on what the company needs rather than
what the people within that company need. In essence, most business today serves to alienate people. The people that make the business work are not part of the equation when it comes to the direction of the company.
The challenges of the 21st century are nudging us to operate differently, as many of our antiquated systems are falling apart. It's becoming obvious that preserving and respecting ourselves and others is essential to living
and thriving on this planet.
I've come to understand through studying, being a student of wise and loving mentors, and by my experience as an entrepreneur, that our deepest desires are secured for us in our most sacred place, our Hearts.
So the first step in our Journey is to give ourselves permission to re-connect with and be in our Heart . or as inspirational speaker Ellie Drake is fond to say our "BraveHeart". Most of us have been conditioned to do what we
think. Going inside our heart is not something you will be forced to do, you can only allow yourself to go there.
So, what does it mean to be in our Heart? Being in our Heart relates to the knowing that we are all connected; that when you "do" to another, you "do" to yourself and vice versa.
Once in our heart, then we can set about on the discovery of our purpose, our "mission". This is a really fun part. Start to "vision" what brings us joy, what our deepest desires are.
Here are three lists of questions that will serve as tools to assist you in the development of your vision. I would encourage you to write each set of questions on a separate piece of paper. Update your answers as you ponder
the questions. Do this for 30 days and you'll begin to feel and see the thread of your path to financial freedom.
List One
What did you dream about when you were young, around five years old?
What did you want to be when you "grew up"?
What things came easy to you as you were growing up?
What did you get acknowledged for (even if it seemed like "no big deal" to you)?
Once you're satisfied that you've answered these questions, here are the next series designed to develop your vision as an entrepreneur. The point being, if you're not following what really makes your heart sing, everything
becomes a "have to" situation and others will pick that up and run away from you! If you're really doing what makes your heart sing and what brings you joy, others will pick up that vibration and be attracted to you.
Greases, Motor Oils and Metalworking Fluids
Grease, Motors oils and metalworking fluids are widely used applications of industrial lubricants. They are used for the lubrication of moving surfaces of to prevent them from rust and corrosion by reducing friction. They also reduce heat by carrying away from moving components and cool them. Thats why sometimes they are also termed as coolants.
Greases are semi-liquid form of industrial lubricants. They are used in those moving components of machinery where liquid form of industrial lubricants would not stay in position well. They are generally used in ball bearing, roller bearing, axels. They are consisted of natural, synthetic or semi-synthetic substances. They are used between moving components machinery for sealing purpose also.
There are several categories of industrial such as; dielectric, vacuum, micro-dispersion, bearing, high temperature, silicone, and multi-purpose greases. For the better performance of greases sometimes powder of graphite is mixed in them.
Dielectric greases are especially designed to reduce friction and wear and exclude water from moving components of machinery. Vacuum greases are generally used for the purpose of vacuum sealing or smooth flow of vacuum pump applications. Other types of industrial greases are also used in machine cooling applications. They carry heat away from the moving components and prevent them from being extreme heat and cool them and finally provide longer life to machinery.
Sometimes wax and petroleum jellies like Vaseline are also used as greases. Generally Vaseline and silicone based greases are used for the purpose of lubrication in food handling equipments. For the better performance of industrial greases sometimes additives are also used.
Motors oils are liquid forms of industrial lubricants. They are largest application of industrial lubricating oils. They are almost used in every type of industry. Mainly they are used in majority in automobile industry, motor vehicles (small and heavy vehicles both) and other powered equipments. They are also termed as engine oils and used for the purpose of lubrication of several moving components in internal combustion engines. They help to reduce friction and heat from the moving parts. They clean and remove contaminants and debris from the moving parts. They prevent engines against being extreme heat and cool them. Thats why they are sometimes also termed as Greases or heat transfer fluids.
There are three types of motors oils available in the market that are conventional oils, synthetic oils and synthetic bend oils. Conventional oils are prepared by the process of refining crude oils. Conventional oils contain some of unwanted contaminants such as; sulphur, waxes, reactive hydrocarbons, etc. So, the get rid of these problems synthetic oils are used.
Fully synthetic oils are prepared by the complex process of several chemical compounds using high performance additives. Synthetic oils are more expensive than conventional oils. They are better for better lubrication in comparison to conventional oils. They flow better, prevent wear better and keep the engine cleaner. Synthetic blend oils are lubricants that are designed to get performance between conventional oils and fully synthetic oils.
Metal working fluids are also liquid form of industrial lubricants and they are used in metal working industries. They are used in machine tools or equipments that are used for the purpose of metal cutting, metal shaping, metal bending, metal grinding, boring, etc. They provide better lubrication to cutting and grinding tools and provide them longer life. They also cool cutting tools and enhance the performance of tools. motor oils are also termed as coolants, cutting fluids, cutting oils, grinding oils, grinding fluids, or cutting compounds
Greases are semi-liquid form of industrial lubricants. They are used in those moving components of machinery where liquid form of industrial lubricants would not stay in position well. They are generally used in ball bearing, roller bearing, axels. They are consisted of natural, synthetic or semi-synthetic substances. They are used between moving components machinery for sealing purpose also.
There are several categories of industrial such as; dielectric, vacuum, micro-dispersion, bearing, high temperature, silicone, and multi-purpose greases. For the better performance of greases sometimes powder of graphite is mixed in them.
Dielectric greases are especially designed to reduce friction and wear and exclude water from moving components of machinery. Vacuum greases are generally used for the purpose of vacuum sealing or smooth flow of vacuum pump applications. Other types of industrial greases are also used in machine cooling applications. They carry heat away from the moving components and prevent them from being extreme heat and cool them and finally provide longer life to machinery.
Sometimes wax and petroleum jellies like Vaseline are also used as greases. Generally Vaseline and silicone based greases are used for the purpose of lubrication in food handling equipments. For the better performance of industrial greases sometimes additives are also used.
Motors oils are liquid forms of industrial lubricants. They are largest application of industrial lubricating oils. They are almost used in every type of industry. Mainly they are used in majority in automobile industry, motor vehicles (small and heavy vehicles both) and other powered equipments. They are also termed as engine oils and used for the purpose of lubrication of several moving components in internal combustion engines. They help to reduce friction and heat from the moving parts. They clean and remove contaminants and debris from the moving parts. They prevent engines against being extreme heat and cool them. Thats why they are sometimes also termed as Greases or heat transfer fluids.
There are three types of motors oils available in the market that are conventional oils, synthetic oils and synthetic bend oils. Conventional oils are prepared by the process of refining crude oils. Conventional oils contain some of unwanted contaminants such as; sulphur, waxes, reactive hydrocarbons, etc. So, the get rid of these problems synthetic oils are used.
Fully synthetic oils are prepared by the complex process of several chemical compounds using high performance additives. Synthetic oils are more expensive than conventional oils. They are better for better lubrication in comparison to conventional oils. They flow better, prevent wear better and keep the engine cleaner. Synthetic blend oils are lubricants that are designed to get performance between conventional oils and fully synthetic oils.
Metal working fluids are also liquid form of industrial lubricants and they are used in metal working industries. They are used in machine tools or equipments that are used for the purpose of metal cutting, metal shaping, metal bending, metal grinding, boring, etc. They provide better lubrication to cutting and grinding tools and provide them longer life. They also cool cutting tools and enhance the performance of tools. motor oils are also termed as coolants, cutting fluids, cutting oils, grinding oils, grinding fluids, or cutting compounds
Monday, October 25, 2010
15 Ways to Lower Your Car Insurance Quote
1. Shop around
The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. Insurance companies arrive at a price for your car
insurance by adding or discounting money after each answer you give to the questions they ask you. Each company has its own rules as to what they consider should increase or decrease your premium. By shopping around
you get a better list of prices to compare.
2. Buy a lower group car
One of the important factors that insurance companies take into account is of course your vehicle. There are thousands of different cars on the road so companies divide them up into groups. Most companies will adopt the
ABI (Association of British Insurers) group rating. This splits up vehicles into 20 different groups. Generally speaking the higher the group rating for your vehicle, the higher your premium will be. Some companies may also
combine your driving experience with the vehicle group to get a better idea of how high the risk is. This is one of the reasons why young drivers should consider buying a lower group car if they want to lower their insurance
cost.
3. Consider Third Party Only cover
A Third Party Only insurance policy is the minimum amount of cover legally required - it is also the cheapest. Generally speaking you should consider opting for this type of policy if your vehicle is of low value. In the
unfortunate event of having an accident, any damage to a third party vehicle will be covered but any damage to your vehicle is not. However, if your vehicle is of little value then you may not be too concerned. It may not be
worth paying extra for a Fully Comprehensive policy in these circumstances.
4. Maintain a good credit rating
More and more insurance companies are adopting credit scoring techniques as part of the overall calculation of your car insurance premium. By keeping a good credit history you may avoid any additional premium that
companies add to your price for having a bad credit score.
5. Buy on the web
Many insurance providers now offer some good discounts for buying the policy over the internet. The theory is that by purchasing your insurance over the web, you are saving the company money by not requiring telesales
agent time and incurring free-phone costs. This saving is passed on to you in the form of a discount for buying online. If you have got prices by telephone then check your quote again on their website, you may be surprised
at how much cheaper it is.
6. Have a higher voluntary excess
During the quotation process you will be asked how much voluntary excess you want to have. Insurance companies will generally include a compulsory excess amount on the policy but give you the opportunity to increase this
if you wish. The more the voluntary excess the lower your premium should be. However, in the event of a claim, you will have to pay a higher amount yourself, up to the total amount of excess on your policy.
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The difference in price between various companies can be significant. What one company may consider a high risk factor another company may not view as so important. Insurance companies arrive at a price for your car
insurance by adding or discounting money after each answer you give to the questions they ask you. Each company has its own rules as to what they consider should increase or decrease your premium. By shopping around
you get a better list of prices to compare.
2. Buy a lower group car
One of the important factors that insurance companies take into account is of course your vehicle. There are thousands of different cars on the road so companies divide them up into groups. Most companies will adopt the
ABI (Association of British Insurers) group rating. This splits up vehicles into 20 different groups. Generally speaking the higher the group rating for your vehicle, the higher your premium will be. Some companies may also
combine your driving experience with the vehicle group to get a better idea of how high the risk is. This is one of the reasons why young drivers should consider buying a lower group car if they want to lower their insurance
cost.
3. Consider Third Party Only cover
A Third Party Only insurance policy is the minimum amount of cover legally required - it is also the cheapest. Generally speaking you should consider opting for this type of policy if your vehicle is of low value. In the
unfortunate event of having an accident, any damage to a third party vehicle will be covered but any damage to your vehicle is not. However, if your vehicle is of little value then you may not be too concerned. It may not be
worth paying extra for a Fully Comprehensive policy in these circumstances.
4. Maintain a good credit rating
More and more insurance companies are adopting credit scoring techniques as part of the overall calculation of your car insurance premium. By keeping a good credit history you may avoid any additional premium that
companies add to your price for having a bad credit score.
5. Buy on the web
Many insurance providers now offer some good discounts for buying the policy over the internet. The theory is that by purchasing your insurance over the web, you are saving the company money by not requiring telesales
agent time and incurring free-phone costs. This saving is passed on to you in the form of a discount for buying online. If you have got prices by telephone then check your quote again on their website, you may be surprised
at how much cheaper it is.
6. Have a higher voluntary excess
During the quotation process you will be asked how much voluntary excess you want to have. Insurance companies will generally include a compulsory excess amount on the policy but give you the opportunity to increase this
if you wish. The more the voluntary excess the lower your premium should be. However, in the event of a claim, you will have to pay a higher amount yourself, up to the total amount of excess on your policy.
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Wednesday, October 20, 2010
Need to Easily Make Fast Chinese Food?
These days many of us are out of our home for over ten hours in a day, and there is little time to prepare a good and rather healthy meal. Im going to review some tips that will save you time in preparation your Chinese
meals. Here are some great quick ways to cook your Chinese food fast:
1. Use common ingredients as substitute for hard-to-find ingredients. Some Asian foods may not be available in your local grocery store. You may substitute other foods when cooking your meals. If you need Asparagus in
your dish, you can substitute broccoli, string beans, and other green vegetables. Another example would be substitution for black mushrooms. You can use fresh American mushrooms.
2. Buy food ingredients in larger quantity. A) Buy a whole chicken. Remove the bones or debone the chicken and use the bones for soup stock. Use the chicken meat for your Chinese dishes to be stir fried with vegetables for
your refrigerator. B) Another technique is to buy a fresh fish like walleye or tilapia. Remove the bones from the fish known as filleting the fish. Save the bones for soup stock and use the fillet part of the fish for stir frying. As
you can see there are numerous ways, use food when buying in bulk.
3. Make several meals from bulk purchase. For the chicken that is not used in your large quantity purchase, keep it in an aluminum foil, and place in the freezer for your next meal. For a fast and easily thawing technique,
place the aluminum foil with fish between two pieces of meat.
4. Use leftover food for your meals. If you could a Chinese vegetable dish for the previous night, you can easily as some noodles or rice to make it meal one day or two later. Or, you may a few pieces of steak with some
spices to give your new meal a bit more flavor. I would advise using food as meal if its been there for several weeks since you may get ill from eating it.
5. Make some quick bites if youre really pressed for time. Buy some frozen steam buns from the store. It comes in a variety of flavors from red bean paste, black bean paste, and chicken or meat filling. Steam a few extra buns
for breakfast and leave a few cooked one in the refrigerator. Microwave the steam buns for an afternoon or evening snack.
6. Save energy and fuel by using your equipment efficiently. When youre steaming those buns, you can use the other layers of the steamer to steam other food items too. Most good steamers have two or three levels to
steam food. Buy a three level steamer if plan buy one. You can steam a variety of food for your meals like meats, vegetables, and even cooked rice.
7. Prepare sauces in advance. Put your favorite sauces together in a jar, and store them for later use. We have a 12 oz. jar of black bean sauce, but put it away in the refrigerator to store away for up to 3 weeks. When we
need that right flavor in our meals, we take a few teaspoons and put in right into our wok. We're ready with our meals within minutes.
meals. Here are some great quick ways to cook your Chinese food fast:
1. Use common ingredients as substitute for hard-to-find ingredients. Some Asian foods may not be available in your local grocery store. You may substitute other foods when cooking your meals. If you need Asparagus in
your dish, you can substitute broccoli, string beans, and other green vegetables. Another example would be substitution for black mushrooms. You can use fresh American mushrooms.
2. Buy food ingredients in larger quantity. A) Buy a whole chicken. Remove the bones or debone the chicken and use the bones for soup stock. Use the chicken meat for your Chinese dishes to be stir fried with vegetables for
your refrigerator. B) Another technique is to buy a fresh fish like walleye or tilapia. Remove the bones from the fish known as filleting the fish. Save the bones for soup stock and use the fillet part of the fish for stir frying. As
you can see there are numerous ways, use food when buying in bulk.
3. Make several meals from bulk purchase. For the chicken that is not used in your large quantity purchase, keep it in an aluminum foil, and place in the freezer for your next meal. For a fast and easily thawing technique,
place the aluminum foil with fish between two pieces of meat.
4. Use leftover food for your meals. If you could a Chinese vegetable dish for the previous night, you can easily as some noodles or rice to make it meal one day or two later. Or, you may a few pieces of steak with some
spices to give your new meal a bit more flavor. I would advise using food as meal if its been there for several weeks since you may get ill from eating it.
5. Make some quick bites if youre really pressed for time. Buy some frozen steam buns from the store. It comes in a variety of flavors from red bean paste, black bean paste, and chicken or meat filling. Steam a few extra buns
for breakfast and leave a few cooked one in the refrigerator. Microwave the steam buns for an afternoon or evening snack.
6. Save energy and fuel by using your equipment efficiently. When youre steaming those buns, you can use the other layers of the steamer to steam other food items too. Most good steamers have two or three levels to
steam food. Buy a three level steamer if plan buy one. You can steam a variety of food for your meals like meats, vegetables, and even cooked rice.
7. Prepare sauces in advance. Put your favorite sauces together in a jar, and store them for later use. We have a 12 oz. jar of black bean sauce, but put it away in the refrigerator to store away for up to 3 weeks. When we
need that right flavor in our meals, we take a few teaspoons and put in right into our wok. We're ready with our meals within minutes.
Tuesday, October 19, 2010
Do You Need a Payday Loan Today?
There are all kinds of circumstances that can cause money troubles for you. Many people live from paycheck to paycheck and constantly struggle to make ends meet. It's really hard for them to pay rent or mortgage
payments, car payments, utilities and of course buy groceries. Not to mention just paying for gas to get back and forth to work. This is difficult even for dual income families.
What do you do if problems arise and you need money now? In the event you find cheap jordan shoesyourself in this situation you should consider a
payday loan. This is a small, short-term loan to help you get by until your next payday. These types of loans have become wildly popular and it's not hard to figure out why.
There are, as usual, some things to be aware of before you apply for one of these loans. These loans like most everything else have their pros and cons. A cash advance loan designed to get you through to payday should
not be used as along term solution for financial woes.
Now the amount of money you will be able to borrow from these lenders will vary. Some will allow you to get more than others will, but, most will not give you an amount that is more than your next paycheck will be. Remember
this is a short term loan and the lender will want to be repaid quickly.
Some lenders of payday cash loans will be more flexible than others. For example, one lender may give you another week if you're late with repayment and simply charge you a finance fee for the extension. Others may not be
so lenient if you falter on your original agreement. It's best, however, to try to repay these cash advances when they are originally due because the extra charges for weekly extensions can add up in a hurry.
Finance charges also vary from one lender to another. It's easier to view their charges as simply finance charges rather than interest since it is a weekly or bi-weekly agreement.
The finance charges may seem a bit steep at first but when compared to nike maxcredit card late fees and over limit fees or overdraft charges by your
bank they will seem more reasonable. These charges also will vary from state to state as well.
These days you can get approved for a payday loan online without ever leaving the comfort of your home. You can get a loan while wearing your pajamas if you want to. You simply provide the payday cash advance lender
the needed information and the lender will deposit the funds directly into your bank account. This makes getting a payday loan extremely quick and easy.
Again, I feel the need to stress that payday loans online or offline are only a temporary solution to help you out in the short-run. If you have long-term financial problems, then an easy payday loan may not be the best solution
for your circumstances. Is a payday loan right for you? Only you can answer that question.
payments, car payments, utilities and of course buy groceries. Not to mention just paying for gas to get back and forth to work. This is difficult even for dual income families.
What do you do if problems arise and you need money now? In the event you find cheap jordan shoesyourself in this situation you should consider a
payday loan. This is a small, short-term loan to help you get by until your next payday. These types of loans have become wildly popular and it's not hard to figure out why.
There are, as usual, some things to be aware of before you apply for one of these loans. These loans like most everything else have their pros and cons. A cash advance loan designed to get you through to payday should
not be used as along term solution for financial woes.
Now the amount of money you will be able to borrow from these lenders will vary. Some will allow you to get more than others will, but, most will not give you an amount that is more than your next paycheck will be. Remember
this is a short term loan and the lender will want to be repaid quickly.
Some lenders of payday cash loans will be more flexible than others. For example, one lender may give you another week if you're late with repayment and simply charge you a finance fee for the extension. Others may not be
so lenient if you falter on your original agreement. It's best, however, to try to repay these cash advances when they are originally due because the extra charges for weekly extensions can add up in a hurry.
Finance charges also vary from one lender to another. It's easier to view their charges as simply finance charges rather than interest since it is a weekly or bi-weekly agreement.
The finance charges may seem a bit steep at first but when compared to nike maxcredit card late fees and over limit fees or overdraft charges by your
bank they will seem more reasonable. These charges also will vary from state to state as well.
These days you can get approved for a payday loan online without ever leaving the comfort of your home. You can get a loan while wearing your pajamas if you want to. You simply provide the payday cash advance lender
the needed information and the lender will deposit the funds directly into your bank account. This makes getting a payday loan extremely quick and easy.
Again, I feel the need to stress that payday loans online or offline are only a temporary solution to help you out in the short-run. If you have long-term financial problems, then an easy payday loan may not be the best solution
for your circumstances. Is a payday loan right for you? Only you can answer that question.
Monday, October 18, 2010
The Magic Of Harry Potter
In the fictional series of Harry Potter that was created by J.K. Rowling, magic is depicted as a natural force, which can be used to overrule the basic laws of nature although it is approached entirely scientifically. In the Harry Potter series, there are a number of magical creatures - and a few ordinary creatures - which demonstrate magical properties, like the owls used to nike outlet storedeliver posts. There are also a few objects that are imbued or enhanced with magical power. A few humans in the series that are able to perform magic have been referred to as wizards and witches in contrast to other non magical Muggles.
This magic is just the norm in the children of couples having magical powers and is less in those of the Muggles. There are also exceptions like those who are unable to perform magic although being born to magic powered parents, called as Squibs, whereas a wizard or witch that is born to the Muggle parent is called as Muggle-born or Mudblood. The Muggle-born are very common in the series, whereas the Squibs are very rarely shown, which is reflected by the size of Wizarding and Muggle populations.
In today's world, Harry Potter is the most famous fictional young hero in the series of Harry Potter. The series also includes a book for all their Harry Potter series by J.K. Rowling of Britain. The books include the tale of an orphan, Harry. The books begin with his first years as a ward of a wicked uncle and aunt, to his enrollment in the school of wizards and the harrowing and exciting adventures that follow. This captivating series has become almost as popular amongst adults, as with the kids. Although these books have raised the concern of a tiny vocal minority, who mention some of the violent content and the evil characters like the witchcraft as the cause for alarm, for the most part it has been excitedly embraced by parents and also the educational community.
The magic of Harry Potter can also be incorporated as a great teaching method. There are various guides that have been published by the same Harry Potter author that include various guidelines on our daily life. There are chapters included in the learning guides like 'standing out to our enemies requires a great deal of bravery, but just as much to stand out for our friends'. Apart from this, there are also Harry Potter Magic puzzles that let you share a little of Harry's supernatural powers among friends. There are alsochanel outlet various other means of learning from the magical land of Harry Potter like bringing out the bravery yet being polite among the crowd. However, you can include Harry Potter learning guides only after your parents have recommended the same, as there are a few parents who have a different opinion on the themes of wizardry and magic, and not all parents appreciate it.
All said and done, there's no denying that the magic of Harry Potter has become part of many.
This magic is just the norm in the children of couples having magical powers and is less in those of the Muggles. There are also exceptions like those who are unable to perform magic although being born to magic powered parents, called as Squibs, whereas a wizard or witch that is born to the Muggle parent is called as Muggle-born or Mudblood. The Muggle-born are very common in the series, whereas the Squibs are very rarely shown, which is reflected by the size of Wizarding and Muggle populations.
In today's world, Harry Potter is the most famous fictional young hero in the series of Harry Potter. The series also includes a book for all their Harry Potter series by J.K. Rowling of Britain. The books include the tale of an orphan, Harry. The books begin with his first years as a ward of a wicked uncle and aunt, to his enrollment in the school of wizards and the harrowing and exciting adventures that follow. This captivating series has become almost as popular amongst adults, as with the kids. Although these books have raised the concern of a tiny vocal minority, who mention some of the violent content and the evil characters like the witchcraft as the cause for alarm, for the most part it has been excitedly embraced by parents and also the educational community.
The magic of Harry Potter can also be incorporated as a great teaching method. There are various guides that have been published by the same Harry Potter author that include various guidelines on our daily life. There are chapters included in the learning guides like 'standing out to our enemies requires a great deal of bravery, but just as much to stand out for our friends'. Apart from this, there are also Harry Potter Magic puzzles that let you share a little of Harry's supernatural powers among friends. There are alsochanel outlet various other means of learning from the magical land of Harry Potter like bringing out the bravery yet being polite among the crowd. However, you can include Harry Potter learning guides only after your parents have recommended the same, as there are a few parents who have a different opinion on the themes of wizardry and magic, and not all parents appreciate it.
All said and done, there's no denying that the magic of Harry Potter has become part of many.
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