Money Saving Tips for Buying Car Insurance with a car insurance instant online quote

If you own a car you will also have a car insurance policy. There is no going against it as car insurance is required by law in almost every state. Having to pay for car insurance is a pain and the high prices are annoying. There are ways to save money on your car insurance policy and below are a few tips to help you find the best car insurance quotes leading to the best car insurance policy for you.

Whether you just bought a car or it is time to renew your car insurance policy it is time to do some research on finding a new one. Every insurance company has a different price for their coverage. It is surprising to find out how varied the costs are from company to company for the same policy. Finding an insurance policy with the most coverage for the lowest price should be your goal as the consumer. Searching only your local companies will not really aid you in this. It is better to go online and search company websites in order to gain a list of the best policies that are available to you and obtain a car insurance instant online quote.

When you are searching for a car insurance instant online quote it is important to answer all of the questions asked accurately. The questions will be fairly basic such as name, age, address, marital status, make and model of car and how far you drive it each year. You may also be asked the safety features your car has installed.

Your credit history and driving record are going to have a major impact on how much you pay for car insurance. Make sure you look for all of the discounts being offered to you by different companies also. If you follow these recommendations you should easily be able to search and find the best car insurance instant online quote currently available to you.

When looking for insurance, it is advisable to take time and compare the different rates offered by different companies. The best advice for getting the best insurance is to shop around.

A Secret Investment Technique That Gets 100% Returns

There is a powerful investment technique that makes it possible to generate returns of up to 100% or more in a month not a year. This technique is little known but quite simple in terms of execution. The one catch is that it is a “hands on” approach and rightly so. A return of 100% a month is nothing short of amazing, so let’s take a look at how it works.

The first thing to realize is that anything can be an investment. Virtually anything you can buy and sell for a profit can be seen as an investment if that was the purpose of the transaction. A transaction can be completed in under a week, but look at it this way. If you were able to compound your capital by just 20% per week, you would result in making a 100% return each month or double that money.

If you started this technique with just $100 dollars, you would have well over $1 million dollars in 14 months if you could maintain that level of compounding at each month. That is quite a remarkable result. The main thing to remember is that it is not the dollar increase that counts, but the percentage increase and the stringent use of compounding. You could literally start with some unwanted item that you could clean up and improve in some way at the $100 dollar level and sell it for $120 then move on to the next item. Some of the richest people on the planet make their wealth in this way but on a grander scale and you can apply this same technique. By maintaining control over the collateral your investment represents, you can clearly control the increases.

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A Look towards the Variety of the Grizzly Feeder

Grizzly Feeder is the device that sits under a hopper filled with some bulk products. This feeder is driven by an electric motor that is out of balance. This motor of a Grizzly Feeder is operated by just a soft start speed regulator that controls the pace of that motor from a 0 to full RPM. While the motor is not working the product still stays static on the feeder channel. While the motor starts working it makes the feeder channel to vibrate. Thus, making the product on the channel to move afar from the hopper in controlled way and along the channel to the place where grinder is being fed.

Consecutively for feeders to practice utmost efficiency, they require to be coordinated with the correct application, and be suitably maintained. Suitably maintained feeders give inexpensive and efficient function.

The HRI durable grizzly feeders present high reliability, productivity with easy maintenance. Setting any industry standard their excellent usefulness has been established on thousands of setting ups worldwide. The HRI durable feeder at the heart is a pioneering Eliptex vibrator which imparts a three-way action, with elliptical, vertical and horizontal components presenting faster conveying, higher capacities with increased effectiveness while the grizzly bars are utilized.

Varieties of Grizzly Feeder

Feeders are planned for certain jobs. When they are not in use with a right application then this might cause them to malfunction or break that could cost a company lot of money. While the accurate feeder is employed and a proper maintenance system is followed, the grizzly feeder might last for years. While things do not work it is generally because that feeder is not the correct one for that job.

Feeder Length:

Though might not appear, but length is a very important aspect in the operational efficiency of the feeder. Sufficient feeder length allows materials to be deposited onto a flat surface of a pan and not on grizzly bars that decrease the possibility of the material getting wedged within them plus causing damage.

The longer feeders allow the materials to stratify too; therefore lessening the bed depth prior to the material reaches those bars. This causes better effectiveness with quick removal of very fine material which doesn’t need primary crushing.

Feeder Width:

Width is chosen based on different factors like size of the material to be fed, feed pace, plus the size of crusher to be fed.

Heavy-Duty Feeder or not

The choice for a vibratory feeder to be heavy-duty or not, is frequently based on dumping technique i. e. the truck dump or a loader dump. A truck dump generally involves too rough dumping of a big sized feed from about 30 to 40 feet straight onto a pan of any feeder. Such a force can gravely damage the unit except the unit is heavy duty enough, the hard with the thicker steel plates on pan and the sides. Long and heavy springs with much long dislodgment must be utilized to reduce the impact without coils being collided.

Online Credit Card Processing Services – What To Look For

A good credit card processor will offer an accommodating service and will allow you to process your transactions faster and at a better rate. Make sure that the average approval rate of the processor is good before applying. However if your merchant account provider is offering you online credit card processing services than you do not have to worry about such details.

Low monthly fee is another option worth checking. This allows you to keep the overhead costs down and get good ratings on per month transactions. Good credit card processing services will keep the ongoing fees and costs in check. Setting up a merchant account with credit card processing services and a secure payment gateway should not be much of a hassle and merchant providers will help you setup an account for your business as soon as your application is approved, which generally takes only a few days.

A 24/7 customer service is a great benefit and processing services which offer this via various options like phone, email and fax etc understand the importance of your business. Also internet facilities like secure virtual terminal and POS options allow your business to process transactions faster and give your business a great deal of flexibility. With such facilities, customers become capable of using online credit card processing services from anywhere at anytime.

Apart from these features there are several other benefits that online credit card processing offers. These include cost effective e-commerce solutions, online fraud protection, shopping cart services, electronic payment processing, various credit card processing tools, risk management services and much more.

In short, online credit card processing is the need of the day for all e-commerce businesses. Not offering online credit card processing services to your customers mean that you are losing potential customers and offering this service allows you not just to expand your business beyond the geographical boundaries but also to gain several other major benefits as well. Make the right choice for your business and choose a merchant account provider who offers valuable services with added benefits especially online credit card processing services.

Automobile Dealerships – Out of Trust – Tips for Lenders

Out of trust positions do not cure themselves and regardless of past cordiality’s, any situation involving a bad loan could always result in litigation. Accordingly, a lender should immediately begin to position itself in a light most favorable for litigation by always conducting itself in a business like manner. The phrase “business like” means in a straight forward, professional manner.

The lender should decide upon a tentative course of action and then have a meeting with the dealer to discuss the problem and possible solutions. The dealer should be immediately made aware that the lender recognizes the problem, although perhaps not the cause, and that while the parties have a mutual interest in solving the problem their interests will probably conflict at times because each party has a duty to protect its own shareholders; therefore, the dealer should rely upon his or her own advisors (attorneys, accountants, consultants) for advice.

While workout personnel must be as blunt as possible, care must be taken to avoid their actions being construed as “management” or “control” of the dealership’s business. Once the “control” line is passed, the financial institution exposes itself to a variety of legal actions. For its own protection, the lender should have a written internal policies that state:

(1) None of the lender’s employees have either permission or authority to make oral promises to the dealer; Kruse v. Bank of America, 202 Cal. App. 3d 38 (1988).

(2) None of the lender’s employees should ever speak disparagingly about the dealer or the dealer’s advisors; K. M. C. v. Irving Trust Co. , 757 F.2d 752 (6th Cir. 1985).

(3) None of the lender’s employees should ever make threats upon which the lender is not prepared to act; State Nat’l Bank of El Paso v. Farah Manufacturing Co. 678 S. W.2d 661 (Tex. App. El Paso 1984).

(4) None of the lender’s employees should divulge to nonmaterial third parties any information concerning the dealer’s financial status, without the prior written consent of the dealer; Rubenstein v. South Denver Nat’l Bank, Case No 86CA0840 (Colo. 1988).

(5) None of the lender’s employees have the authority to make management decisions regarding the day to day operations of the dealer’s business; Lurgen, Liability of a Creditor in a Control Relationship With Its Debtor, 67 Marq. Law Review 523 (1984); Also see: Restatement (Second) Agency, Section 14-0, Comment “a”.

(6) All of the lender’s employees are required to make memos to the file regarding conversations with the dealer and they should be conscious of that fact whenever speaking with the dealer or the dealer’s advisors; the employee should not engage in the kind of conversations or perform the kind of actions that would cause embarrassment to the lender if the information regarding those conversations and actions were to be contained in a written memo to be read by a judge or jury.

(7) The lender must work closely with its own attorney during the entire workout process.

These rules should help ensure a business like atmosphere and a business like approach to resolving the problems at hand and thus increase the probabilities of accomplishing a successful workout.

The lender should make the dealer aware that while the lender has no intention of operating or controlling the dealer’s business, certain basic procedures will be required to protect the lender’s interests amongst which will be reducing agreements to writing.

Having met with the dealer, the lender should permit the dealer an opportunity to seek outside advice. The circumstances of each case will dictate the definition of a reasonable amount of time. Sometimes an hour could be too long, other times a day too short. After deciding upon a time to reconvene, the lender should be prepared at this second meeting to enter into a “COLLATERAL PROTECTION AND SET-ASIDE AGREEMENT” that includes, in addition to the standard contract language regarding default, jurisdiction and term, the following:

(1) Recite the outstanding obligations of the dealer to the lender;

(2) Enumerate the notices given by the lender to the dealer, informing the dealer of the problem and enumerating the dealer’s responses to the notices;

(3) Make demand upon the dealer for full payment of all indebtedness owed the lender, by the dealer and the dealership;

(4) Have the dealer acknowledge, individually and as president of the corporation, both the dealer’s and the dealership’s inability to pay;

(5) Recite any workout arrangements agreed upon between the lender and the dealer, such as additional capital loans and how the proceeds from said loans will be spent, method of pay-back, use of demonstrators, the method agreed upon for handling the out of trust monies, the method to be used with respect to the funds received from continued operations, additional security, if any, by the dealer, or the dealership, the method of handling any future floor-plan advances;

(6) Provide for the lender’s use of a “keeper” at the dealership premises, listing the keeper’s duties and obtaining the dealer’s written consent thereto;

(7) Provide a contingency clause for the lender to take further actions, without notice, in the event the lender’s collateral continues to deteriorate, or in the event the dealer breaches the agreement;

(8) Provide for affirmative covenants of the dealer, with respect to further documentation, method and time of payments to the lender, security of the lender’s collateral, delivery of receipts and collateral and payment of the lender’s expenses, with respect to protection of its collateral.


With the above acts accomplished, the lender should make every legitimate effort to have its dealer succeed. A successful workout plan provides good relations not only with the lender’s debtor, but it also establishes a standard in the industry with which other business people wish to become associated. It shows the world the lender knows what it is doing.

As soon as the protection and set aside agreement is signed, the parties should immediately discuss a realistic plan for permitting the dealership to workout of its problems. The resulting plan could be anything from recapitalization to liquidation. The process for developing a plan is covered in another article.

John Pico is the Managing Partner of Advising Automobile Dealers LLC. Mr. Pico served as a court appointed “Consultant to Debtor” in bankruptcy cases, a “Court Appointed Mediator” in automotive disputes, the “Court Appointed Arbitrator / Appraiser” in partnership disputes, a “Court Approved Consultant to Receiver” in a check-kiting case, as a “Superior Court Mediator” in dealership/lender litigation and has been recognized as an expert witness on both State and Federal levels.

He has consulted on upside-down positions of over $50 Million, out of trust position of over $4 Million and a bank overdraft of $30 Million. Since 1972, Mr. Pico has completed over 1,000 automobile dealership transactions, whose combined values exceed One Billion Dollars.

What is Your Marketing IQ?

What is your marketing IQ? Are you in need of a little help or are you marketing brilliantly? Take the following quick and easy (not to mention enlightening) quiz and find out!

1. What is the best competitive advantage that any business can promote?

a. quality
b. service
c. price
d. None of the above; they are all poor choices

2. What is the most important factor when identifying your market niche?

a. Who you are
b. Demographic data
c. Psycographic data
d. Past economic trends within the targeted niche

3. What are two of the six categories of totally integrated marketing?

a. Advertising and Direct Mail
b. Networking and Personal Marketing
c. Business Communications and Pricing
d. Customer Development and Promotions

4. Of the six marketing categories, how many should you be working at any one time?

a. one
b. two
c. four
d. six

5. How important is the “creative element” in advertising?

a. Most important – its what gets noticed!
b. Less than 10% of the impact of an ad is in its creativity
c. There are no studies done; we don’t know the answer so we have to guess
d. Of medium importance; about 50% of the impact of an ad is in its creative factor

. When implementing a direct mail campaign, what is most important?

a. Who you send it to (e. g. , the list)
b. How many times you send it
c. The offer you make in your direct mail piece
d. None of the above – they are all equally important!

7. What is the most effective way to start a 1 or 2 person business?

a. advertising
c. part-time
d. none of the above

8. What is history’s most effective direct mail piece and why?

a. Publisher’s Clearing House; it has a highly valuable give-away prize
b. Wall Street Journal; it talks about the two brothers who started the paper
c. Unknown; it cannot be measured because you can’t directly track advertising results
d. Time-Life Books direct mail campaign; it has both consistent reach and frequency

9. What two things make a good headline?

a. Large, offset letters and a powerful statement
b. White letters in a black box and a question
c. A powerful statement and a “yes” question
d. There are no guidelines, that’s why its difficult to craft a good headline

10. What is the primary purpose of marketing?

a. “Getting your company name out there”
b. Generating leads
c. Generating profits
d. Generating sales

Answers Score one point for each correct answer.

1. d;87% of all businesses promote quality, service, or price as their competitive advantage. Because they do, it is ineffective and you must select another aspect of your business to function as your competitive advantage.

2. a;in almost all cases “who you are” is the most important aspect of determining your market niche; for instance, if you are a CPA and your passionate hobby is riding motorcycles, you would be well advised to target businesses in the motorcycle industry (as opposed to doctors, daycare centers, or other options). Why? Because within the motorcycle industry, you have the asset of “instant rapport”; you “walk their walk, you can talk their talk”. (Of course you needn’t turn away other business; your marketing dollars are simply spent within your natural market niche).

3. d;customer Development and Promotions are two of the six totally integrated Brilliant Marketing categories.

4. d; six – if you had six horses and you wanted to get from Denver to San Diego, you wouldn’t put five horses in the back of the wagon, run one to death, and then put him away and run the next one to death; you’d put all six out in front, to synergistically get you where you are going (efficiently and expediently).

5. b; less than 10% of the impact of any ad is in its creativity (it may get noticed, but if it’s difficult to read, or if it doesn’t focus on the sell, then it doesn’t do you any good!)

6. a; although d would’ve made a good answer (they are all important), a is technically the correct answer. The list (who you send it to) accounts for up to 60% of the success of a direct mail campaign.

7. b;networking (and it makes perfect sense when you know that 87% of all business is based on repeat or referred transactions).

8. b;the Wall Street Journal created the most successful direct mail piece; it’s success is based on the element of rapport which it establishes when discussing the “two brothers”.

9. c;a strong headline is either a powerful statement (STOP THE PAIN) or a “yes” question (important for psychological buy-in).

10. c;never ever forget, marketing has one purpose. . . to generate profits!


10 Congratulations! You are Brilliant!

8-9 Excellent! You understand marketing exceptionally well.

5-7 Good; but you will most certainly benefit from additional marketing knowledge; more than likely, you have fallen prey to common marketing myths. Learning the truth will make a huge difference in your marketing results.

Alex Barrington, creator of The Brilliant Marketing!™ System is the micro-business marketing pioneer of our time. As a degreed consultant, speaker, author, and regular radio talk show guest, Alex has worked with thousands of micro businesses over the last 15 years.