Motor Insurance Quotes – Are Motor Insurance Quotes Legally Binding?

Q: Are the motor insurance quotes I receive from insurance companies binding? If so for how long?

A: The answer to that is yes and no. Let us explain. If you receive motor insurance quotes from an insurance company – then that is the price they are going to charge you. However, they are not legally bound to quote you the same price if you call them back three days later.

It is likely you will receive the same quote from the same company provided there were no incidents from when you first received the quote, but just because it is likely doesn’t mean that the company is bound to stand to by the earlier quote.

A good way to find out how long the quoted rate is good for is to ask the agent or representative who is giving you the quote. Be wary of a hard sell at this point however as the agent is going to realize you will be requesting quotes from other companies.

Motor insurance quotes are liable to change suddenly due to market changes, new insurance legislation, or a driving offense that may have occurred. To avoid this we recommend doing all of your insurance shopping over a one or two day span. This will ensure you get the price that was quoted to you.

Lastly, we strongly recommend that you take comparison shopping seriously when it comes to finding the best deal on auto insurance. While it may sound like common sense, there are many drivers who don’t take the time to compare quotes from different companies and end up overpaying for their coverage as a result.

How to Unsubscribe From Your Hosting Service

Even the best and largest hosting companies can sometimes provide you with such bad service that you may want to cancel or unsubscribe your hosting service. But how to go about it and, and what are the consequences for your website?

Remember that no matter who your web hosting company is, things can, and regularly do, go wrong. This is just business as usual, but a competent hosting company should fix any problems with minimum delay and keep you informed about any problems and the solutions that have been applied.

Understand why things might have gone wrong

Before you unsubscribe from your current hosting service, it is important to understand the reason why things have gone wrong. You need to know the real reasons for the troubles to prevent the same situation from coming again with another host. Chancing your hosting provider can be a real hassle and you can save a lot of time by really thinking about how to match your needs with the services the hosting provider offers. These are example of the problems you may face:

– Recurring service outages: The hosting service is having persistent technical problems with your website, or the website has repeated and lengthy periods of being off-line. If your website does not use any special features of technologies that may cause the problem, then your hosting company appears not to be able to provide technically competent service. If this is the case, you can try to resolve the problem by talking to their technical support. If the problem persists, it might be time to consider unsubscribing from your host and finding a better one.

– Your website is over-using its allocated resources: The most usual kind of hosting account is called a shared hosting account. It means that there are hundreds or thousands of websites hosted on the same physical server, and each website competes with the shared CPU, memory and bandwidth resources. This is true even for the "unlimited" accounts currently offered – in reality they are not unlimited at all, but only appear so.

If you website is hosted on a low-end hosting plan, and uses a lot of resources, you may experience slow performance or service outages. You may also be in breach of your Terms of Service agreement with your web host. Consider upgrading your plan to a more suitable one, or if your web host does not offer high-end plans, you may have to unsubscribe and find a more suitable host.

– Your web host provides lousy service: Lousy service is something you can do nothing about. Do not make a judgment based on one technician's response, rather try again with another service agent. The first one just might have just had a bad day. On the other hand, if your web host is on the budget end of scale, they may not spend enough money to provide decent service and to maintain good infrastructure. Remember that in web hosting you get what you pay for. If bad service persists, its time to vote with your feet and find a better hosting service for your website.

How to get out of your web hosting agreement

Every web hosting company has different policy in regards to termination of service. Most companies offer a better price per month for a longer commitment with the company. In other words, if you wanted to buy and pay for your hosting on monthly basis, you might pay $ 4.95 per month. However, if you committed to a year (and paid it in advance), you would pay $ 3.95 per month. Over the course of the year you would save $ 12.00.

Attached to these conditions, each company offers a money-back period that varies in length from hosting company to hosting company. The money-back guarantee periods range from 30 days in the short end to "any time" within the subscription period. Typically you can expect to have a money-back period from 30 to 60 days.

If you want to cancel your subscription after the money-back period has ended, you might be out of luck. According to the terms of the agreement, you have no recourse of action and your commitment stands until the end of the subscription period. If you want to cancel your hosting because the hosting company is in fault without any doubt, you might be able to negotiate a refund, but usually you are wasting your time. It is time to cut your losses and move on to a better host.

How to avoid problems with your web host

Even before committing to your web host in the first place, consider these steps to avoid any problems in the future:

– Only commit to shortest possible period at a time. Most hosting companies offer monthly commitment and billing periods. If they do not, choose the shortest period possible. It will cost you a little bit more per month, it gives you the flexibility to change your hosting company at any time without causing you a larger loss than having committed to a super-long agreement.

– Never, EVER get your domain name from the hosting company. If you run into trouble with them, they may use the domain name as leverage to keep you in control. They may not transfer your domain name to a new registrar, or even refuse to change the DNS information of the domain to point to your new host. No domain name, no website.

– Always keep an up-to-date backup of your entire website on your own computer. Do not trust the web hosting company to do that for you. Most Terms of Service agreements specifically protect the hosting company against data loss in case the server crashes. Most hosting companies do their very best to keep data safe, but they have no obligation to keep the back ups indefinitely, or even to hand the data over to you in case of disagreement.

10 Essential Investor Tips For Successful Investing

Trading and investing into the financial markets has never been more popular. More and more people are starting to see the benefits of taking a little time to, first invest in themselves through a trading and investing education, but also using that knowledge on the financial markets.

Whilst traders may take quicker positions and investor will most likely be holding positions for much longer, sometimes months or even years. So, if you fancy investing into the financial markets successfully, and profit from companies you already know about like Google, Facebook or Microsoft, then these are the ten essential things that an investor must do and know before they start. Let's take a look …

1. What are your goals?

It sounds simple but many people start investing into a trillion dollar market without any type of plan which, let's face it, is essentially a gamble. Whilst it can be very simple to invest profitably for the long-term you must define your goals as this will align your expectations correctly, so you do not kick yourself in the teeth if you do not hit a million dollars in one day. For example, knowing whether you are investing for the next five or twenty-five years can make a huge difference to how you decide to invest.

2. Start early for compound interest

The single largest reason to the success of most billionaires is the power of 'compound interest'. Even Albert Einstein regarded this as the 'eighth wonder of the world'. It basically means that your money makes you money as all the gains you make put back into an investment so it compounds and builds over time. Sounds good right? It definitely is! The earlier you start the better but no matter how old you are it's never too late to start but effective that you do actually start!

3. Every little helps

No matter how little or how big you can invest, it is well worth investing on a regular basis. It sounds so simple but most people do not see the point in investing just $ 10 per month. However, if you look to the future by the time you're very old that amounts to a lot especially if you parked it into some good investments over the years. Of course, most people have a 'spend today and save tomorrow' mentality and that's the trap folks. Save and invest regularly to reap the rewards in the long run – you'll be glad you did.

4. Diversify

It's imperative to spread your capital across a wide range of investments to reduce your risk and increase potential returns over the long-term. Whilst some investments are doing poorly some others may be doing great, thereby balancing it out. However, if you're fully invested into just one thing then it's either 100% right or wrong. There are thousands of markets across treaties, stocks, commodities and indices so the opportunity is there.

5. Educate yourself

By far the most important tip. You must educate yourself and learn your craft. After all if you're investing your hard-earned capital it makes sense to do your homework. Even if you read all the articles here and watched all the videos you'll be doing far better than the majority of investing wannabes who simply give away their money to the markets.

6. Have practical expectations

Of course, we all want that million dollar investment and for many it will come at some point. But you can not plan for that, if it happens great if not then you still need a plan to survive and to reach your goals as discussed in the first tip. Remember it's the journey that's the most beautiful part and what you do on a daily basis that makes the difference.

7. But do not limit yourself

It's important one must remain conservative in deciding which investment to take. However, that should not limit you to just what you know. Be creative and find opportunities no matter how inconvenienced they may be. After all if it was that comfortable everyone would be doing it. Be adventurous in finding opportunities but be conservative in deciding which ones to take.

8. Manage your risk

Successful investing is all about managing risk. If you have $ 1,000 to invest then there's no point in putting all of that on just one investment. You're basically saying it has a 100% success rate … which of course is extremely unlicly. If you follow the steps above, like making sure you diversify, then you'll be on the right path.

9. Review constantly

A very simple step to achieving more than what you are already doing is to review your investments constantly. However, this does not mean to look at your profit and loss of a five-year investment every single day – you'll never make it to the fifth year as markets move up and down. But it's important to review what investments have worked and have not worked. Concentrate on doing more of the stuff that has worked and find out where you're going wrong with the stuff that has not.

10. Have fun!

Sounds simple but most people forget that best work comes from when we enjoy the process. Whilst investing is a serious process you are allowed to enjoy it too. In fact the buzz of finding an opportunity, researching it, investing into it and then seeing the result is exciting in itself.

There you have it ten essential tips for successful investing.

The Importance of Shoes

Shoes have become an important part of our everyday lives. Shoes were originally designed to protect our feet from cold weather, sharp objects, and uncomfortable surfaces. The early version of the shoe is thought to be a sandal of some form. As man’s knowledge of tools and the working of leather grew, so did the sophistication and quality of the average shoe. Shoes are shaped by the physical and economic environment of their surroundings. For example, the ancient Egyptians wore flip-flops woven from straw while the Dutch wore shoes carved from wood to protect their feet from damp marshy land they worked in.

With the passing of time shoes have become an integral part of daily lives. Shoes have passed on from being an item of luxury to an item of necessity. Fashion also played a role in the evolution of the shoe. The human psyche craves for an individual and unique identity. The nobility and upper classes saw shoes as an opportunity to fulfill this desire. The shoes got more and more extravagant. Cloth, velvet and tapestries began to be used. This was the birth of the shoe industry as we know it today. Today shoes are classified according to their use. They are casual and dress, work, sport and corrective.

All shoes fall in the casual category due to their characteristics. The differentiating factor is the purpose of the shoe. Casual shoes are designed and intended to convey an attitude of relaxation and informality. Casual shoe design has evolved with the passing time. Today’s casual shoes resemble formal dress shoes in many aspects. The distinguishing factor is the color of the shoe. Casual shoes range from flip-flops to sneakers and boots. The materials used in the manufacture range from leather, canvas and rubber to the modern petrochemical derivatives like plastics and xylenes.

Formal dress shoes are of two varieties – laced and lace less. Traditionally they are made from leather and tended to be expensive. The use of plastics and modern manufacture methods has brought down prices. The upper classes still prefer leather over what they consider cheap plastic. Women’s dress shoes may be a variant of pumps or sandals. The style of clothing decides the category of the shoe in case of women. Unisex shoes are a new product in the shoe market.

Sport shoes are specialized shoes designed and created to enable better performance in a particular sporting activity. Sport or athletic footwear is used in a number of sports like football, basketball, cricket, and track and field events. Climbing shoes are also a specialized type to footwear unsuitable to any other sport and even to walking due to its design. It is usually donned at the base of a climb. Basketball and tennis shoes have rubber soles to enable better grip on their respective courts. Sports like football, soccer, baseball and hockey use shoes with metal spikes on the under sole to give better grip for quick starts and stops. Hiking boots or trail boots are designed to support the ankle to prevent injury and to give good grip on rocky surfaces.