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.

The Life, Times and Clothes of Vivienne Westwood

Vivienne Westwood is today famous around the world as one of the most cutting edge and out there designers of our time and is credited with bringing many subcultures in the world into the mainstream and integrating the design elements from all these subcultures into her fashion collections much to the acclaim of fashion critics and the general public as well.

She is most often credited and quite rightly so with being the person or the fashion designer who has almost single handedly bought the punk and new wave subcultures and their unique design elements and styles into the world of main stream fashion.

Vivienne Westwood has now been putting fashion collections on the ramps of fashion weeks for nearly thirty years as this year will be the thirteenth anniversary of the first time that she showed a fashion collection to the world. In 1981 she showed her first collection in a catwalk show and the theme that she chose for the collection was pirates. In the following years which include the rest of the nineteen eighties and the beginning of the consequent decade, she released fashion collections one after another to ever increasing applause and appreciation from the fashion world and she calls those years the pagan years.

During this period Vivienne Westwood took her inspiration from everything from punks to ragamuffins and even what she calls in a phrase that she covered herself, Tatler girls. She has received a lot of recognition for her services to the world of British fashion in particular and the fashion world in general as well. Not only has Westwood won the designer of the year award many times, she has also received some of the highest honors awarded by the country of England and has been awarded an Order of the British Empire for her services to fashion as far back as nineteen ninety two. A few years later in recognition of her continuing services and ever cutting edge styles and fashion collections, the OBE was changed to an even higher honor a DBE in the year two thousand and six.

Today her clothes are sold around the world as well as in three exclusive shops in London as well as one in Leeds and one in Milan in Italy. The best place to look at her is fantastic creations though is still online at a reputable online retailer that will always have the latest pieces available at the best prices.

Low Cost Hosting

If you are thinking about getting low cost hosting then you are most probably new to the internet, and new to designing websites. When people first start out they think that they should look for the cheapest option for them to get started. This is by no means a bad idea, as we are all trying to save money in this economy. But you have to take many factors in to consideration when you want to develop a site.

There is basically two types of hosting, paid and free and a lot of people that start out go down the free route. Free hosting gives you the option to upload files to the host server, but it is limited to how much you can upload. The speeds of the server will be a lot slower than a paid host, so for example, if you have a few pictures that you have uploaded to the server for your site, it might take a little bit longer for them images to appear on your website.

Because you use free hosting you do not get a domain name from a registrar, so if you were to start a new business, you would be greatly hampered in trying to compete with other sites in your niche. Customer support is non existent in free hosting also, so if you were to ever have problems, you would basically have to try and work it out for yourself.

Free hosting works if say you are a person that wants to share files to friends or family, or you have a hobby and would like to share to people, you do not mind the restriction that free hosting serves. But if you are serious and want to make a real business online then paid hosting is the way to go.

It is the old saying you pay for what you get, and within the hosting business this term applies exactly the same here. It comes down to what you get for your money, so you need to look in to this very carefully before choosing a provider. What you should be looking for in a provider is the following.

  • Unlimited domains: You need to know if you can have as many websites as possible on the hosting package. It is pointless having the host, if you can only say have five domains, so you could only build five websites.
  • Unlimited Disk Space: This is also very important, say you have a photography business, and you want to upload hundreds of photos on to your site. You need a good host that has unlimited disk space.
  • Unlimited bandwidth: You need a host that has good speeds and this depends on the bandwidth.
  • 24 hour live support. I consider this to be very important, if they do not offer live support like this then I would not use the company.

On a final note all the big hosting companies offer different types of packages to suit the individual. They offer packages such as Baby plan, hatchling plan, then they go more advanced with options like reseller hosting, VPS hosting, dedicated servers and so on.

Low cost hosting is only as low as what you are prepared to give to your website, there is some great packages out there right now, ranging from $4 a month up to $10 a month. It is up to you the consumer to make your choice.

Happiness Or Housework – Get Organized For Both!

If you are like most women with a family, you are still at work on your “free” time. Time off is not for rest or play, but for trudging up that steep hill of never-ending chores. Housework organization is necessary, but remember as Gretchen Rubin of The Happiness Project says, “The days are long but the years are short!”

How do we master the tricky balance of keeping our sanity while having a reasonably clean and organized home?

Delegate

Many working women, including “stay at home” Moms, still do more than their fair share of work. Think about this: if someone had to pay for that family maintenance work, the estimate runs upwards towards $100,000 yearly!

Want to see your time? Get some paper and divide the page into three columns. In the first column, list all of the weekly household tasks. In the next column, the approximate time it takes per week. In the third column, who’s doing it. Now add up everyone’s time, and get delegating!

Even young children can put clothes away, pick up after themselves and help with simple chores. My six year old granddaughter can run the vacuum through the high traffic areas. Encouraging kids in positive ways from a young age saves countless hours spent arguing later on! My Mother was always stressed over doing housework on her day off. I don’t blame her, but it didn’t help motivate me much!

Get Organized With The 4 B’s

Life Coach and author Martha Beck created a prioritizing tool called The 4 B’s: Bag It, Barter It, Better It and Batch It.

Bag It means ditching it!. If you’re dusting once a week, can you Bag It and do it twice monthly? Let go of what you can. People that truly love you don’t care about a little dust on your end-table.

Barter It means trading, including with money, to have someone else do it. Women often say they can’t afford a cleaning person, but regularly spend it on a casual dinner out. Feel guilty paying someone to do “your” work? Think of it as a priceless investment, giving precious time back to you and your family!

Better It means adding something pleasurable to something dreadful. Hate doing dishes? Better It by making a playlist that rocks your energy! Make it a game and count the songs it takes to empty the sink. “Better it” for your kids and Google “games to get your kids to do chores!”

Batch It means doing similar tasks all at once. Pick one hour for family “just do it” time. Shut down the electronics and don’t do anything else during that time. Make it fun, and set up rewards for everyone, including yourself. Rewards are powerful motivators and don’t have to be complex or expensive.

Organize In Baby Steps

Break big jobs into small steps and start with the smallest one. Give yourself permission to stop after completing the first step. Telling ourselves we only have to take one baby step relieves motivation-sapping mental stress, and we may end up inspired to keep going!

Little things add up. Stash natural cleaning wipes in the bathroom and wipe surfaces a few times a week after your bathroom routine. You’re already in there and it takes 60 seconds to wipe out a sink. When you walk through a room, pick up a few things. (See next.)

Get in the habit of putting things in one place, even if it’s just in piles. Assign specific areas for papers, mail, dirty clothes, coats and shoes. Even a little bit of organization saves huge amounts of time looking for lost items, reduces clutter, and makes cleaning more efficient; sorting one pile is easier than finding it all over the place on cleaning day.

Well begun is half done. (Mary Poppins had it right!) Pick one thing, and just get started! It’s never as painful a task as we think and it’s usually done before we know it. Find a balance, make it fun, get it done and go on to live your life!