How to Get Affordable Car Insurance in Ohio

People who live in the state of Ohio may be in for a surprise when they open their mailbox. In this state the Bureau of Motor Vehicles sends out 280,000 requests a year to see proof of insurance. Once someone receives one of these notices in the mail they only have three weeks to prove they have insurance. Although it’s obviously mandatory to have car insurance, some people forego it because of the price. There are ways to find affordable car insurance and some are not things most people are aware of including:

o Using one insurance company for all your policies including car, home, health and life. Insurance companies give discounts to individuals who purchase more than one type of insurance from them. Ask your health insurance or life insurance agent about a quote for car insurance.

o Buying a car that costs less to insure. Most people never consider the insurance costs that are associated with a particular type of car before they buy it. Call several insurance agents and ask for quotes on a car you are considering buying. You may be surprised to learn exactly how expensive it is, and if you find this out before you finalize the sale, you can save yourself a lot of money.

o Mention that you have a car alarm or consider getting one. A car alarm is a great idea for many reasons including the reduction you are likely to experience in insurance costs. Any effort that you make to keep your car safer is viewed in a good light by the insurance company. You’ll have to be prepared to show proof that the car alarm system is indeed installed.

The most important factor in determining your car insurance rates is likely your driving record. If you have been in more than one accident in the last few years or you have a pile of speeding tickets with your name on them, you are obviously going to have a more difficult time getting an affordable rate. If this is the case, make a resolution to start driving safely now and you’ll see your rates steadily drop.

Learn to Speak Spanish Through Online Programs

The Spanish language is becoming increasingly more important to speak and understand. More than 420 million people speak Spanish, including those who speak it as a second or third language. Approximately 17 million of those are in the United States, making speaking Spanish more than just a passing fad. Fortunately, there are many online resources geared towards helping people learn how to speak Spanish.

Learn Conversational Spanish

The website, studyspanish.com, provides people with the opportunity to learn conversational Spanish. Although this program will not help you achieve fluency, by reading the lessons and repeating sounds and phrases with the audio attachments, you can be well on your way to carrying on a conversation. Sample beginning lessons are available online, and students can add to their knowledge with the purchase of CDs.

Courses, Tutors and Games in Spanish

Websites like 123teachme.com provide grammar, vocabulary, verb conjugations and sounds, like the other websites, but they also incorporated games and quizzes. These games and quizzes use vocabulary and phrases to test students knowledge and memory. People using this site can also work with Spanish tutors, people who know the language fluently, to get one-on-one help and accelerate the learning process.

Use Videos on Google and YouTube

Videos are available on YouTube and Google, and allow Spanish students to hear how the words are said, including accents and emphasis, but also see how they're said. Some of these videos use visual aids, displaying words and their pronunciation, like a book and audio tape would do, while others use people. The videos are for the beginning and advanced learners, depending upon the individuals needs and desires.

Learn Practical Spanish

Websites like e-spanol.hu/en outline the basics of Spanish, including grammar, vocabulary and expressions. This website provides games, quizzes, tests, word practices, audio videos and transcripts for students to test their knowledge and maximize they're Spanish skills.

Master Words and Phrases

For the beginning and advanced Spanish speakers, or students who simply want a larger vocabulary, websites like learn-spanish.co.il/ are ideal. This website lectures specific words and phrases that can make your Spanish more descriptive and detailed, including words relating to travel, color, shapes, sports, animals, food and clothing. However, this website does not include an audio, but only a simple visual of the words.

How to Get a 700 Plus Credit Score With One Small Key Ingredient

Everyone wants a great credit score, but sometimes you wonder if it is possible. If you are wondering how to get a 700 plus credit score, then you are in luck. This article will help you understand your credit better, and show you how to get awesome credit!

First, it’s important to understand what makes up your credit score. There are three major credit bureaus that potential creditors will use to get info about you. These are Equifax, Experian, and Transunion. These credit bureaus collect info about you from those you have borrowed money from. The more times you pay your creditors on time, the better your score. They also measure the amount of debt that you have and how much of that is revolving debt (think credit cards). Too much revolving debt will lower your overall score.

Generally speaking a credit score above 700 is considered to be very good. This will entitle you to the best rates and the most respect. But, the holy grail of good great, a credit score above 700, is made all the more important in the credit driven society that we live in. A good credit score can mean that you can afford a bigger house or that great car you’ve wanted. It also gives you options and freedom.

Many people want to know how to get a 700 plus credit score. It is not as difficult as you might imagine. Even if you have made credit mistakes in the past, you can learn how to get it where you want. Start by getting on a reasonable budget. This allows to the freedom to allocate your funds properly so that you know that the money is there to pay your bills. And want to know the biggest secret to get your credit score above 700? Pay those bills on time! Anti-climatic, I know, but that is seriously it.

Another tip on how to get a 700 plus credit score is to keep your balances on your credit cards well under the limit. It is a good idea to owe less than half of your limit on your cards, and pay them regularly. When you are maxed out or even close on your cards, this signals to creditors that you are having financial trouble.

Finally, try not to apply for new credit if you don’t need it. Those store credit cards that promise to give you ten or fifteen percent off of your purchases may be tempting, but in the long run they can cost you precious points on your score. Limiting new credit inquiries is a key element in how to get a 700 plus credit score.

If you are looking for ways to skyrocket your credit, keep these tips in mind. If you keep to your budget, make your payments on time, and watch your balances, you can learn how to get a 700 plus credit score in no time.

Wedding First Dance – The First Dance at Your Wedding With a Great Wedding Band

Most couples have a song that is special to them and it is traditional for the bride and groom to start the wedding evening’s party by dancing to their chosen song (although this is not set in stone!).  Although this is not compulsory, it is a nice way to start the evening as all the wedding guests (including those who have just arrived for the evening) get to see the embarrassed couple gaze lovingly into each others eyes as they smooch around the dance floor to the flash of cameras.  In actual fact it’s not that embarrassing; a good wedding band will let the couple dance alone and then after a minute or so will invite everyone else up to join the bride and groom.  With the dance floor full of smooching couples it is then easy to go straight into a party or dance song and so the evening’s entertainment begins.   

Whether or not the first song if played live by the band or from the original CD will depend on a number of things; does the band already have the song in their set-list?  If not, are they prepared to learn it (assuming they have time)? If they are willing to learn it will they do it justice (a three-piece band that does pubs every weekend may be able to do a version of your special song, but will you be happy with their interpretation as your first dance)?

Ultimately the answer to this question is to talk to the band.  If you can arrange to see them play live you will get a good idea of their abilities based on how they cover the songs they already do.  Good bands always try to learn a couple’s first song if it is not already in their set-list, especially if it is a song that we can be used again. Good bands will also, however, have no hesitation in recommending that the original CD version be played if they thought that they could not learn it in time or not do it justice!  Beware of copyright issues though; bands will have this covered for live performances but if you want to play a CD, speak to the venue first to see if they are covered. You are unlikely to experience a problem with the publisher, but you never know!

 

I can’t think of a worse way to start someone’s special wedding evening than a band playing a very lame version of a song that should have special meaning to the bride and groom.  If you want to do that crazy killer-dance that is so often seen on YouTube, you’ll need a good quality dance band. Please note; the sooner you let the band know what you want then the more chance you have of getting it – don’t be disappointed if you ask the band 2 days before your wedding to learn a specific song only to be told that it is not going to happen! So plan ahead, think about what song both you and your partner would like that first dance to be, then find a good band and speak to them; they will generally have great advice for you.

 

Most of all? Just relax on the night, stare into your partners eyes and get everyone in the room gushing and weeping at the lovely romantic sight of you both dancing for the first time as husband and wife.