I work from home, so when my husband told me we had to move, the first thing I did was check out Internet availability in the area where he was being transferred to. He does the majority of his work at the office, so it would not matter to him what kind of Internet connection we had. I don't have that luxury though, but it turned out to not be a problem. When I saw that I would be able to get FiOS, all of my worries disappeared. I have had FiOS for the last few years before we had to move, so I was happy that I would be able to carry on with it in our new home.FIOS_ONT-766467 ...continue reading I Needed a Good Internet Connection

I really wanted to get some premium channels on my cable television package, but I was not prepared to pay the high price that I was quoted. I had called in thinking that it would just add a little to my bill for a few channels, but it was much more than that. I decided instead of just saying no to research my options to see if I could get a better deal elsewhere. That is how I found this resource that told me all about DIrectv packages, which is what I ended up switching to because of the incredible deals offered by the satellite company.directvhr443lg ...continue reading Having Directv is Much Better Than Cable

Auto insurance is a must have for all drivers. The following article will give you a number of helpful tips which you can use to figure out the perfect insurance policy for your unique situation.

Cut back on how much you drive every year to save some money on your premiums. Most insurance providers will actually decrease the amount of your premium by decreasing the number of miles you drive less.

Many people believe that auto insurance premiums do not begin to decrease until a young drivers once they reach 25.

Your vehicle’s make and model is the size of your monthly insurance payment. If you want to save as many dollars as you can, choose a safe, modest vehicle.

You can purchase insurance that covers more than just the state minimum if you so choose. Your premium might be more expensive, but some are worth the added expense. Uninsured motorist protection is a means to protect yourself from drivers who do not having insurance.

Property damage liability is important to buy with any auto insurance policy that you must get. This portion of liability coverage will pay for any damages caused by your car accident. There are only three states that do not have this as a compulsory item.

Sports Car

Trade in your sports car for something more moderate vehicle. Insurance is more expensive for insuring a sports car. Sports cars are targets of theft, which further raises the cost of insurance.

Insurance rates vary due to the chances of theft or accident, and in general rural areas and suburbs have lower rates than cities.

Insurance Policies

You might be able to save money on your car insurance by obtaining a bundled insurance policies. Try to find these deals and insure both your house and your vehicle in one. Make sure to compare the cost of combining your home and decent coverage; in some cases two separate insurance policies is still a better choice.

This is something to give a good amount of consideration to as it can dramatically raise the price that you will pay. This will also offer protection if your interests in case you are hit by someone without insurance.

Talk to your own insurance agent if you’re thinking of switching companies due to a quote from another company.

Always try to remember the costs of insurance before purchasing a car. Auto insurance companies look more favorably on safer automobile. You should always include this expense as a part of your budget whenever you will purchase.

Consider paying the entire annual cost of your premium all at once. There may be extra fees for paying in installments or monthly payments.

The lowest rates aren’t the best deal.

You will want to keep a good record of the insurance bills you have paid. This proof is important in case there is a dispute with your insurance company.

You will have to pay a lot more compared to someone with a good record, but remember that different insurers may treat you differently. Some insurance companies specialize in getting good rate.

Consider eliminating the coverage of a rental in your policy to save money. You are probably paying for it, even though you pay for it. Removing it will save you money, especially if you rarely or never use it.

Car Insurance

It is important to have car insurance and not take a huge risk when it comes to driving. If you have car insurance, you can protect yourself in the instance of a car accident. These tips should be used to help you along with your search for an insurance company.

Auto insurance is a must have for all drivers. The following ideas should help you a number of helpful tips which you can get the best insurance coverage for your unique situation.

Cut back on how much you drive in a year and you’ll cut down on the insurance bill. Most insurance providers will lower your premium if you drive less.

Avoid letting your insurance coverage lapse to keep your rates low.You may experience breaks in coverage when you jump from one company to another. Your insurance provider may increase your rates when they discover you have had gaps.

What kind of vehicle you buy and drive determines a lot about the cost of your monthly insurance premiums. If you want to save as many dollars as you can, drive something modest, modest vehicle.

There are optional insurance protections available to you far beyond the minimum that is legally required. You will have more coverage, but it might work out for you in the long run. Uninsured motorist protection covers accidents that involve the other person leaving the scene or the other person not have insurance.

You will get a lower premium if there is only one name on each car.

Think carefully about buying after-market add-ons for your vehicle that you really do not need them.

Sports Cars

Trade in your sports car for a more insurance friendly.Sports cars generally cost you a lot more to insure. Sports cars also cost more for the insurance, so they cost more to insure.

The best auto insurance tip is to have a good driving record clean. A car accident will increase your insurance rates the most. Know your limits when driving, and stay away from any situations that you are not comfortable in.

You also need to familiarize yourself with the details of a policy, such as the amount of the deductible, the coverage levels and the benefit limits.

Insurance rates vary due to the chances of theft or accident, and in general rural areas and suburbs have lower rates than cities.

Insurance against drivers who don’t have insurance is also important, as well as non-accident damage to your car like fire or flood, like in a fire.

Consider how much monthly insurance premiums as you contemplate purchasing a new car. Auto insurance companies look more favorably on a safer car choices. You should always include this expense as a part of your budget whenever you will purchase.

There you will be able to look up the latest “consumer complaint ratio” for many insurance companies in your area. This number represents the percentage of claims with a certain company have negative feedback.

Before you change your car insurance, check to see if you have any unpaid parking tickets or any other traffic violation. Insurance companies will check your driving history, and they will not look kindly on things like not paying fines. This can reduce the amount of your insurance payments.

The amount you pay as a deductible is the biggest factor determining how high your premiums will be. Remember that you will have to pay a higher amount aside for an accident. You should put some money to the side in case you need it.

It is important to have car insurance and not take a huge risk when it comes to driving. Having insurance will prevent you from being responsible for a huge financial setback if you are ever in an accident. These tips should be used to help you along with your search for an insurance company.

Whether you are new to the insurance world, wanting to combine your policies, or a current life insurance policy holder searching for a better rate and increased coverage, you probably have some questions. This article will provide you with some helpful information on navigating the intricacies of life insurance.

Calculate the right amount of life insurance coverage for you, and let the result guide how much you purchase. If you purchase unnecessary options or too little coverage, you will end up paying costly premiums without seeing any return.You will feel more secure if you have make the right life insurance needs.

The money from your insurance is going to be needed to cover debts, including your mortgage, personal loans, and your children’s educational expenses.

Your total cost on the life insurance will go up if you happen to work in a hazardous environment or partake in high-risk extracurricular activities. If the premium is too high for you, consider giving up risky hobbies such as bungee jumping, skydiving or scuba diving. Traveling to risky areas around the world could also increase your premiums.

Make sure that you tell them about any job or hobby that your insurer may consider high-risk. While you may end up paying more money, it’s better than having a claim declined by the insurance company. If you withhold information about your dangerous hobby or job, and then you are injured, you will subject to stiff penalties.

Do not put in too much personal information to get a quote on the internet. There are clever scammers online who promise a lot of life insurance related phishing scams online. Keep in mind that many quotes can be provided with just your zipcode.

Since healthier people have a longer life expectancy, they often get better deals from insurance companies.

Use the Internet to compare life insurance. Three popular sites in this genre are Accuquote, Insweb, and Insweb.

Watch out for any signs that suggest an agent or broker might be shady or a scammer.If an agent tries to convince you that ratings are not important, or if they claim that those very ratings are unimportant or not available, complain about them to their customer service department, and then get on the phone to corporate and complain.

You need to find out what cancellation procedure for your life insurance before signing on the dotted line. Some insurers will charge you a form of penalty for cancelling out of the policy. You need to know upfront what fees you might have to pay should you decide to cancel the policy.

Do your own research and talk to a professional about life insurance policy. A professional can help you determine what your needs are, answer your questions and assist you with the paperwork.

Joint Policy

A joint policy is recommended for married couples. A joint policy’s premium payments when compared to separate policies. The coverage is still the same, you will simply pay a decreased amount to have it.

Ask detailed questions to your broker to see how much they really know about insurance. Find out if you can cancel the policy at any time, whether you can renew it with the same terms, and whether the premium can be locked in for a certain amount of time. You need to know all of these details to get the best one.

Per the information provided above, you can use this to your advantage in order to locate the best insurance deals out there. Life insurance is very important, and making the right decision with the right policy is paramount. Hopefully, you have a better understanding about how policies work, how much they cost, and how to select them to your best advantage.

That’s where this article is for. You will gain lots of insights about investing to help you along the process properly.

Do proper research before real estate investment. Check out anywhere from 50 to 100 properties in your desired location, and make a spreadsheet with notes. Things to list include current pricing, expected rent, and repair budgets.This will allow you to pick out which deals are bad.

Your reputation is going to be of real estate investments. This can build up your credibility in town that will make people more loyal clients.

Be sure to choose investment properties that have good reputations and where lots of people want to live. This is something that’s important because it will help the value that you get when selling. Try looking for properties that you can easily be maintained.

This will give you invaluable information for you can use and implement into your strategy too. You might even get a chance to talk one on one with this person.

Consider rental income of a home when you determine how much any given property is worth.You can make a year for just renting out the home. You can still sell the home when you’re ready and make a significantly larger gross profit.

Don’t buy property in bad areas. Know the location your prospective property before you buy it. Do all of your homework before you make a decision.A good deal on a beautiful house might mean it is in a bad place. It may be hard to sell and this type of home could be vandalized easily.

Though keeping a diverse portfolio of properties throughout the country or world is smart, be certain to rely on local authorities. You may find places in your area the best. You should think about starting out local.

Learn about the neighborhood and surrounding areas before you decide to invest in investing in. Location is essential to your investment and zoning laws. Talk to the neighbors and try to get a better feel of if it will be worth it.

Work well and play will with other real estate investors. This is a great way to share both client lists and resources. You can find a lot of potential and eventually satisfied clients if you help one another.This will surely help your networking possibilities.

Do some research prior to investing in any real estate there. There should be a website created for that city. You may discover information about city planning that will influence your decisions. A growing city in growth mode can be a smart place to invest.

Subscribe to a good listing service that provides you can be alerted to good opportunities when they materialize. This will help save you have to do by eliminating different contacts completely. These lists are accurate and can help you with your search.

Real estate investors generally experience both success and lows. It is crucial that you don’t let those lows make you give up.

Don’t let one deal suck up too much of your time. Anything that requires too much time is no longer an actual “deal.” It could be a sign that you do not have other deals on tap.

Buying a house that needs just a few repairs can sometimes mean a good deal. These homes will eat up draining all your funds and valuable time. Be sure that you research it well and do the numbers.

Untrustworthy individuals could cause damage to your place and lower your property value. Though background checks are not always accurate, you will lessen your chances of problems.

You want to sound as though you are a professional. If a seller thinks you might be new in this game, he may take advantage of you. You want to use what you have learned to your lingo and your knowledge to your advantage. You will have a better position in your negotiations if you sound professional.

Real Estate

Learning about real estate investments does come at some point. You can take the time to become educated on your own. Learn all you can now in order to make money in real estate.

Getting to know the world of investing does not take too much time. You just have to be willing to put what you’ve learned here to good use. When you’re ready to go, jump in!

There are scores of self proclaimed experts out there, and you need to be able to weed out inaccurate information. You are probably find a number of useful tips and tricks in this article.

If you own a business, make sure you have all of your options covered. Most policies cover you for a wide range of risks, but if you have a certain type of risk that is not covered in that policy, you need to either get another policy or add supplemental insurance.

Many insurers offer discounts if you bundle insurance policies so that you have multiple insurance policies with the same insurance company. You can get both car and your car for one premium cost. Many insurance providers offer several kinds of home insurance packaged together.

When looking for a policy, check if your state gives out information regarding insurance companies about their rates. This will allow you to establish a rough estimate of insurance rates in your area. Knowing the price range is can help you to find the policy that is least expensive.

Don’t file little claims, even if it might get covered. As you go for long periods of time without filing a claim, most insurance agencies will give you a discount for every year that you remain accident free.Your full coverage will still be there if there’s a significant incident.

The Internet is a great research tool when you are seeking insurance quote.You’ll be in an excellent position to know the rates of competing companies and be better prepared to make a choice.

Any hikes in insurance premiums must be filed as well as justified to the state insurance regulatory agency.You can use the public record information.

Shop around for the best possible price on insurance. There are a lot of sites online that will provide you with insurance quotes for free, and then to compare prices between companies.

Open more than one policy with the same insurance company. You are likely to receive discounted rates for purchasing car insurance and home policies with the same carrier. You may find that your savings are upwards of 20 percent.

Ask family and friends about their experiences they’ve had with various insurance companies.

Smokers are considered a bigger risk because of the number of accidental fires that are started yearly by cigarettes. Ask your insurance agent if you’re eligible for a discount.

Having a higher deductible will help you from making too many frivolous claims that can raise your premiums. If your deductible is too high, you will probably not file tiny claims.

Not only is it convenient to have multiple policies with only one company, but they usually will also get a discount.

Before making a final decision in purchasing insurance, contact your state’s Department of Insurance to find out if it can provide you with any information on the agencies in which you are interested.Whether they have coverage and rate materials, or outstanding complaints, your state insurance department is a good source of information that may help you decide between carriers.

When you consider purchasing anything, consider the cost of insurance. It may be more cost effective to rent these things as opposed to paying full price on insurance for an entire year. Get rid of things that you do not need.

Where you live is one of the factors on which your rates will be.If one area has very high premiums, favor an area that offers reasonable insurance costs.

In conclusion, be cautious about who you take insurance advice from. You need the right information to be conveyed to you clearly and accurately. Hopefully, you find information here that is useful and informative to you.

A business however big or small means responsibilities of many kinds. And one of the things every business needs is liability insurance. When running a business as a partnership or sole proprietorship it means that your business and personal liabilities are at risk. To protect yourself and the family from financial disasters it is essential to insure yourself with a business liability policy. There are three kinds of liability insurance:

*General Liability Insurance: This covers legal suits related to the business premises, business products, or services.

* Professional Liability Insurance: Covers companies that are professional like lawyers, doctors, advertising or creative companies and so on.

* Automotive Liability Insurance: This covers those who drive company owned vehicles. The policy covers damage to vehicle in an accident, injuries to the company employee and to those injured in case of accident.

* Employers' Liability Insurance: This covers aspects like wage discrepancy, hours of work and on site work related accidents.

When buying liability insurance you need to make educated choices so that you get a good deal at the most affordable cost:

1. First familiarize yourself with all aspects of liability insurance by surfing online. Make notes of valid tips and guidelines and any points that are applicable to you. Understand the fine points of liability insurance.

2. Decide on whether you will find a policy yourself or use an agent. Choose an agent who will study your specific needs and then make recommendations. Most agents help their clients get great rates too.

3. Check with your existing insurance provider whether they have liability insurance. If yes find out what the advantages of buying a liability policy from the same provider is.

4. Memberships at a Chamber of Commerce, trade or business association often means that you will get group rates on liability insurance policies.

5. Liability insurance coverage varies from insurer to insurer so make a list of what you need and compare coverage. Keep in mind aspects like legal fees too.

6. Look for liability insurance online and offline. Very often the online offers could mean great savings. Online insurance directories and sites also have comparison tools that help you compare policies and quotes from different insures.

7. Think about buying an Business Owners Policy (BOP),that will cover many things. However you will need an insurance specialist to ensure your needs are met with additional riders on the policy.

8. Keep abreast with changes in state laws and insurance news. This will help you greatly when you need to make a claim or renew the policy.

Always buy a business liability insurance policy from a reputed insurer. Always make the effort to do a background check of the insurer and ensure that they have no complaints pending at the better business bureau. Choose an insurance provider that follows fair business practices.

About Author:

Matthew Pawlina is a writer for Business , the premier website to find Business Insurance, Small Business Insurance, Business Insurance Quote, Business Insurance Center, Business Insurance Policy, business insurance costs, and many more.

Business Insurance coverage can be given adjacent to allegation or claims made by referee that was inexpensively harmed by breach in the insured's system security.

This type of coverage would cover up disparaging details that is openly made known, uneasy information made public and individuality robbery. In some policies authoritarian actions such as client information and HIPAA charges and penalties are also covered. Most industry has this coverage as they are regularly the first insurance acquired by business owners and there are regularly discounts for buying them mutually. Observe property coverage and business general charge coverage with our company. Coverage for satisfied injury claims such as miss-use or unlawful use of exclusive rights material when included in a replicated liability policy this submits to digital satisfaction. When coverage is for document papers it is called Publishers Responsibility. Most companies buy coverage for worker dishonesty.

  • Business insurance provides best protection to our business with coverage for claims associated to charge of careful activities and fast working to use reasonable services. This company has helped thousands of businesses and persons by providing the small business responsibility insurance when required.
  • Property insurance protects our business goods including material loss otherwise damage by robbery, fire or additional means. Because all business has property that could turn into lost otherwise damaged form of business, insurance is single and the primary thing we should purchase when we begin a company and this company for insurance is best.
  • They provided me property coverage that can be planned for several unexpected. In the most fundamental business insurance policies, Property coverage protects my equipment, PC, office tools and additional materials. I am satisfied with their best policy.

711 Third Ave.
New York, NY 10017-4036
Phone: 212-210-0100

Originated in the year 1946 today well-known as the Alabama Farmers Federation, Alfa Business Insurance has been named by Forbes periodical as along with its more than "Top Small Companies" in U.S.

Possess a business and organize as your personal manager has forever been as your vision. Now it's come right and to uphold it you require the guard that Alfa Business Insurance suggests. We offer material goods, liability and additional coverage for business projects to protect your savings. Your policy can be modified to your accurate requirements, or you can choose a complete package which by design includes the coverage mainly usually requested by business possessors. Our relations with clients are very faithful, excellent and to maintain honesty and more than client prospect in both sales and service by providing them money-making multi-line assurance and other services.

  • My businesses coverage include: My retail stores, offices, service businesses (such as a maid service or beauty product), and Garages (such as service of auto maintenance facilities), I am thankful to this company its staff and manager to helping me at all stages.
  • They identify how essential our deal is to them, and they can insure our business requirements during a range of coverages, as well as property, charge, material and commercial sunshade. We can visit any time its website and search for our insurance needs.
  • Get time to sit down by your representative, nowadays and assess to your variety of business requirements with this company. We can modify our policy in a way that provides most excellent protection to our savings! Agent was very knowledgeable of business insurance plan.

2108 East South Boulevard
Montgomery, AL 36116
Phone: 334-288-3900

Chubb Group of Insurance Company was established in the year 1882. We offers wide insurance key for business process to the world. Our goods and victim products such as surplus and sunshade liability, business profits, internal nautical and product liability take in improvement and coverage lost from many usual industry policies.

Our expandable approach permits companies to modify these products to get together their personal requirements. We are a market head in field insurance coverage too, presenting original products and services for personal and community companies, non-profit groups and to economic institutions. We request you to discover all our business insurance solutions early with the plans featured here. From insuring a hardworking process to valuable work from caring employees in the office or roaming overseas to defensive assets, in upcoming markets we have the best insurance solutions. Many of our plans contain features that are lost or specifically excluded from usual business policies.

  • Chubb insurance services provide the best eservices I was extremely attracted towards this service. It was just unbelievable that I purchased the policy as per my requirements and the policy was delivered to my inbox. It's really great!!!!!!!!!!!!!!!!!!!!
  • There are lots of business insurance policy provides but this company is something different from other companies. This company provides the innovative and first class services to the customers. I was highly impressed with their services and I appreciate for their great work.
  • I was highly impressed with the claim services of this spectacular company. I made a call to them and they made me very comfortable at the time of communication. I was very happy that they trusted me and I respect this company a lot!
  • I was not interested in business insurance because I thing the increases the expenses but when my friend occurred a major problem in a factor he really years to fulfill the loss. I learned from him paying small is better than a paying huge at a time I purchased best business insurance policy from this renowned company as per my needs.

15 Mountain View Road
Warren, NJ 07059
Phone: 908-903-2000

CNA has a rich and wonderful experience of more than a century. We are the 13th largest property and Insurer Company across the US, we have always been present for our clients, distributors and business associates.

Since from the establishment in 1897, to cover force employees, we happened to be one of the most trusted forenames in assurance by gathering our compulsion without hesitating and contribution original products as business risks modify. Our record is a loaded story of service, development, economic power and solidity. From a century we have built powerful relations with business associates and clients creating a birthright of modernism and service. The public of CNA have the insurance knowledge and how to direct businesses and professionals in organization risks. We present a broad variety of services to help check and reduce losses, and we struggle to settle claims fast and efficiently. We provide best explanation measure of achievement, is our skill to transport high-value products with services to our clients.

  • I wanted to develop my carrier with CNA because it provides the excellent benefits to their employees. Some of the benefits are annual incentive bonus, tuition reimbursement, life insurance products and lifeworks employee assistance program are some of the great features that I liked the most.
  • I have purchased the business insurance policy from this company, but recently I got some problem in business and I claimed for business property and business equipment. It was just unbelievable the huge claim amount was received in 5 days.
  • I am really proud that I have purchased best business policy from this company as per my requirements. The premium terms were convenient, the rate of premium was satisfying, the paper work was simple and the document arrived within 2 days I am really very happy with their excellent services.
  • I have started a new business and I wanted to purchase best insurance policy for my business. One of the employees told me about this great company. When the agent of this company described me the features of the required policy I immediately purchased it for the benefit of my hard working employees.

333 S. Wabash
Chicago, IL 60604
Phone: 800-262-2000

Travelers are one of the great providers of personal and business insurance products across the U.S. We are having years of experience and during these years we have achieved many success in this field our first auto insurance policy was issued in the year 1897 and from that period are providing our best services.

Our achievement is building winning our capability to give new insurance and risk guard products with best services as per the requirements of our clients. Business insurance offers a large collection of protections to businesses of every size, with employee's property, compensation, commercial auto, product liability, and general liability and company owners' package policies plan. We moreover offer security and beneficial products to businesses and freelance specialized and a broad range of products modified to the exclusive requirements of person industries as well as construction, lubricate and gas, shipping, agribusiness, and sea marine coverage. Our core mission is on assist our clients manage risk before a claim suggest itself and reacted with speed, professionalism and kindness when claims do occur.

  • The agents provide great service and handle the entire situation very smoothly with their great knowledge. I never had a claim, but I think the experience will be as superb as it has been so far. This is a great service agent group and has well-informed Staff.
  • I am one of the clients of this company from over 10 years and my agent has performed his duty very well. I have never filed a claim and my employees invoice has forever been paid in proper time. My business insurance charges keep going up each year but I have kept a reserve amount for paying them.
  • Travelers are great business insurance company. I have always discovered their services beyond my expectations. The insurance policy has great features and premium is very competitive. This company has provided me the best policy as per my requirements.
  • When I came to know about the rich history of this wonderful insurance company and the ratio of the satisfied customers, I immediately purchased the large size business insurance policy from this company and I really enjoyed their services.
  • I was a great experience with this company when I purchased the auto insurance policy from this company. I was highly impressed with the competitive rates. Additional benefits that help to reduce premium are related with good driver, multi car, good student, saving for vehicles with passive retains etc helps to reduce premium rates.
  • I was extremely satisfied with one life insurance plan for my wife but I was worried about the mode of payment for premiums. The insurance agent described me about variety premium paying terms and I selected the yearly mode and finally I purchased the policy for my wife. This company is great and I will always purchase insurance policy from this company.

One Tower Square, 6PB
Hartford, CT 06183
Phone: 877-754-0481

Liberty Mutual is a worldwide insurance company established in the year 1912 and dedicated to provide best insurance and most competitive rates and it is focused on user and business insurance lines, specifically personal and commercial insurance, homeowners, employees compensation, commercial many risk, general charge, universal area products, group disability and security.

LMG is between the top ten writers of "business lines" and "private lines" insurance. LMG provide in all state of the combination still not all of its lines can exist in each state. We know that successful risk organization is important to your company's achievement making it a reality is answer to yours question. We give companies with the following possibility and disability managing risk and change products and services. Liberty Mutual offers business group benefits plans to help you and to support your staff during their time of require, customers acquire our tools and services that they can use to control their benefits program well.

  • Client service is friendly and very helpful the skilled and highly educated business insurance agent provided their excellent services. I was highly satisfied with its staff that made the procedure simple and quick. I will consider this provider always first.
  • Nice persons to do business with.... firstly customer service is extremely friendly on the telephone. They have a nice honest sales field, and make you wish you are getting a great agreement. We are happy for the great deal of business insurance plan provided by you.
  • This has the excellent home and auto insurance plans. I was very impressed with the auto and home insurance features. I have purchased home safety insurance that protects my home from fire, flood and robbery, after purchasing this wonderful policy I can enjoy various destinations with my family.
  • I was highly impressed with the claim services of the magnificent company. The features that I liked the most are 24 hour claim service, understanding the auto claim process, we can report a claim online are some of the great features I really liked.
  • This company is providing the best employment opportunities it includes variety of categories like experienced professional, students and recent graduates and current liberty mutual employees. I have joined from a student's point of view in administration services.

175 Berkeley Street
Boston, Massachusetts 02116
Phone: 617-357-9500


I started vaping when the technology was first developed for commercial use. I guess I was an early adopter. It was when I read the Firefly vs Pax vaporizer review that I decided to really up my vaping device to the next level. I have tried pretty much every flavor or at least a few in each class. I like some of the real candy-like flavors. Some have a real odd taste though. I seem to be fond of anything with banana flavoring in it. I also like a few of the tobacco flavor mimics. They are not exactly like my favorite brand of cigarettes, but the flavor is so close that it is comfortable. ...continue reading Vaping Technology Has Really Come a Long Way SInce Those First E-Cigs Hit the Market

When I decided to learn more about gout, I honestly did not expect to find all of the information that I did on it. I was just hoping to understand this form of arthritis more because my husband was diagnosed with it a few years ago. Seeing him struggle with the outbreaks though was very hard! I wanted to make him feel better, but I honestly did not know what to do. When a friend told me that you could check here and gave me the website that has a lot of info on gout, I was so appreciative.

I was really excited once I started reading the articles, because they were not just basic articles explaining what gout is and why it occurs. ...continue reading His Gout is Much Better Now

Getting enough fiber was never an issue before the diets of people changed when processed foods became the bulk of what people eat. Now our dogs, when they were in the form of recently domesticated wolves, lived on meat. The alphas would eat the stomachs of their prey and get more fiber and nutrients due to the stomach contents of the prey. Now, with all of the breeding and interbreeding, dog digestive systems get quite upset. Add in processed dog foods and there is now a need for beneficial fiber for Rover's tummy to feel better.

Today's dogs would drop over if they ate like their wolf ancestors. When a wolf makes scat, you will find bone, hair and all kinds of stuff in it. ...continue reading Plain Pumpkin Puree is a Doggy Favorite

I talked to the guy who does the house inspection this morning. He had written up a report and talked to a plumber in plumber in Essex county NJ that he knew and did business with. Of course I did not need the guy to tell me that the bathroom on this place is a total disaster area. I needed to know if if could be fixed and if it could be fixed at a price that made sense. If you have an unlimited amount of cash or the ability, then anything can be fixed. That does not mean it makes sense to do it. Of course you can see that when some jerk crashes into your car and something happens like the frame gets bent. A car can look like it has relatively little damage to it, stuff that a body shop could fix no problem, but if the frame is bent it is going to be a total loss.

Of course any car that is relatively old can easily get more damage than it is worth. I used to have a car that was probably worth around 25 hundred when I bought it and the only reason I used it was that it had a trailer hitch and a big engine that could pull a trailer. So I used it on the weekend to pull my boat. One weekend some teenagers hot wired that car and took it out for a joyride. It ended up in a ditch and after that it was a total loss because by then the car was probably worth around 15 hundred dollars. You can do that much damage with a key if you are determined to be a jerk. The same sorts of concepts work on houses or anything else you could have.

The BC Book Prizes, established in 1985, celebrate the achievements of British Columbia writers and publishers. The seven Prizes, plus The Lieutenant Governor’s Award for Literary Excellence, are presented annually at the Lieutenant Governor’s BC Book Prize Gala in April.
The BC Book Prizes Society needed a website re-design that would feature the vast extent of archived information on previous years’ prize winners and finalists. In addition, the Society wanted a website that would allow for greater interaction between finalists and BC communities.
Client Quote
Liesl Jauk, Executive Director, BC Book Prizes says:
“You guys absolutely rock! I can’t believe how great our site looks. I keep going back to look at it. Gawd, I love it.”
BC Book Prizes’ previous website lacked usability because it was a series of static HTML files with limited navigational aids, which hindered visitors’ ability to find new and archived content.
In addition to needing a robust site with better navigation and search functionality, the Society recognized the need to have a more interactive component to the site. BC Book Prize finalists tour the province meeting with community members and promoting BC writing but the previous website did not offer a way to gather feedback.
Boxcar Marketing spent time talking with the BC Book Prizes Society about the goals of the site and the operational side of managing the Prizes. Together, we prioritized our goals and determined our internet marketing strategy.
BC Book Prizes wanted to create a site that:
Celebrates the achievements of BC writers and publishers.
Highlights the great activities and tour destinations of the BC Book Prizes tour.
Allows for interaction between finalists on tour and members of the public.
Extends the promotional opportunities for BC Book Prize finalists by using social media tools, such as Flickr.com.
Reduces website administrative time.
By developing the site using Expression Engine, a great content management system for websites, we were able to design a content architecture that accommodated the vast amount of information on prizes from 1985 forward, as well as decrease the administrative time needed to maintain the website.
We created a blog for the Tour, allowing authors on tour to interact with libraries, schools, media and the general public in advance of their appearances and post-tour. Communities who are not on the tour route can also follow the tour virtually and interact with the finalists.
Because Expression Engine is a content management tool, we were also able to develop an online mechanism for gathering prize submissions (approximately 400 per year) and handling online event registration, all tasks that were previously done by mail and fax.
Design/Development: Custom Website Design, XHTML/CSS Coding, Content Management System.
Our Team: Joslin Green (Design) and Shadow Box Creative (ExpressionEngine Development).
FILLMEIN Boxcar Marketing improved the site navigation structure to make content easy to find. We used colour to break-up text-heavy content, while maintaining the corporate colours. We also developed back-end workflows to reduce manual work to maintain the site and integrated social media tools such as Flickr and ConstantContact.
The BC Book Prizes website is now a true showcase for BC Book Prizes’ authors and publishers. Information is clearly displayed and visitors to the site get a complete understanding of the extensive work the Society does to celebrate BC writing.
The website launch coincided with the March announcement of the 2008 Prize Finalists and the feedback from the community was incredibly positive:
“The new site looks amazing!”
“Congratulations on the new website. It is superb! While there’s lots of information, this site has ‘fun’ written all over it. Good going.”
“Love the new site design.”
In 1 month since the site launch, the BC Book Prizes’ combined online and event activities generated substantial interest in the site, especially the author On Tour blog.
Visitors to the On Tour blog left 50 comments on 70 articles.
Activity on the BC Book Prizes site is seasonal: interest increases during March and April when the finalists are announced, the author tour starts and the winners are announced.
Web statistics are not available for previous years for comparison, but we can see that traffic increased 450% from January (pre-announcement of finalists) to April (announcement of winners).
BC Book Prizes offered the following numbers:
How big was it? Here are a few quick stats.
Total number of events: 64 (not including the Soiree and Gala)
Number of communities visited: 27 in two weeks
Number of events in schools: 47
Number of schools that will receive a $500 library of BC Book Prize titles for their library: 24 (thanks to the support of donors)
Participating finalists: 17
Combined honoraria and per diems going directly to these artists: $18,040
Estimated combined number of kms traveled, by air and by land: 8,300 (that’s about the equivalent of driving to Ottawa and back)
Estimated total combined audience of all 64 events, plus the gala and soiree: 4,350
Largest non-school audience: 96 at Books and Company in Prince George
Combined number of books sold at 15 public events: 178 (not including Soiree and Gala)
Treacherous white-out conditions encountered while traversing the Kootenay Pass: 1
Magnetic van signs lost or stolen: 5
Short stories, poems and blog entries inspired by this experience: an ever-growing figure, we’re sure.
Lessons: Creating a site for users with various security access and technical abilities requires creative thinking.

As follow up to my presentation at the BC Library Conference I have compiled a list of resources and key articles to help librarians interested in improving their understanding of the web. If you have additional recommendations please provide them in the comments as this is certainly not a complete list but rather a place to start.

Online Marketing
1. Underwire Newsletter: Full Support for Non-Techies
I have to recommend the Boxcar Marketing newsletter because many of the tips and advice I provide are for my publishing-related clients and arts organizations. Read the blog to get a sense of the content—Google Analytics, How-to, Social Media Tips, Email Marketing, Measuring Success—and sign up from there:
2. 6 Facebook Metrics Marketers Should Be Measuring
I'm a big believer in setting goals for social media, measuring success and making improvements.
3. Measuring Social Media
Another good article on measuring success of social media.
4. Tod Maffin
Tod's blog, email newsletter, Facebook page and training sessions are a handy way to become well versed in the web.
5. PR Tips to Get Press
This article has some great tips for startups pitching their products but as libraries implement products and digital services, this advice holds for writing press releases and pitching media on covering those products.
Retail Displays, Advertising & Merchandising
6. Use other social media tools to search for ideas
Search "library display", "book display", "window shopping", "infographic", "library poster", "vintage library poster" on Pinterest for ideas to implement in your library or for links to share on other social media platforms like Facebook.
7. Canadian Retail Industry Training & Resources
Look at retail industry magazines, guides and newsletters for ideas on store layouts, retail displays, effective marketing, and customer experiences. Libraries are similar in that you want visitor loyalty, brand recognition, smooth checkout processes and good online/in-location experiences.
8. Retail Displays
The below link includes a free ebook on how to attract customers with displays. I haven't read the ebook but a quick glanceat this article shows there are some practical pieces of advice here.
Email Marketing & Writing for the Web
9. Copyblogger.com
Great site with info on how to nail the opening of your blog post, email subject lines and other super tips for writing for digital consumers.
10. Google Think: Reports
Look up industries like Restaurants and Retail (customer loyalty, capitalizing on walkby traffic, visitor experience), as well as Education and NGOs for movement building and technology opportunities.
Mobile & Web Design
11. Google Think Report on How Mobile Is Changing the In-Store Experience
Applicable to libraries: searchable catalogues, smartphone apps and web-friendly experiences.
12. Mobify
An adaptive platform for developers to create fast, responsive websites. Especially good for ecommerce, but applicable to library checkout as well.
13. A List Apart
Great site for design nerds. They publish great articles and books on various aspects of web design, content, user experience and have good resources on responsive web design. http://alistapart.com/topic/responsive-design
14. The Perfect Web Page
Infographic-style article on the components of a perfect web page.
15. Conversion Rate Optimization
SiteTuners is the best! Get a few key landing pages assessed with the ExpressReview. The assessment will give you clear guidelines on how people interpret and likely use your landing page and how to improve it.
http://www.sitetuners.com/small-businesses/ Analytics
Analytics & Data Reporting
16. The Difference Between Web Reporting And Web Analysis
If you like data, you'll love Avinash Kaushik.
17. Best Web Metrics / KPIs for a Small, Medium or Large Sized Business
18. Luna Metrics Blog
Strong, reliable information on analytics, SEO and metrics for success.
19. Seer Interactive
Great SEO agency and excellent materials. Look for Wil Reynolds presentations on YouTube.
Big Thinkers & A Little Bit of Everything
20. Seth Godin
Lots of good info and insights into turning strangers into friends and friends into customers. Visitor experiences, customer insights and other goodies.
21. Karen McGrane
Think like a magazine, or rather like a magazine who is following Karen McGrane's advice. So think like NPR. Great video to watch, excellent, forward-thinking approach to data and the web. Metadata geeks, this is for you!
22. PaidContent.org
Lots of articles related to books and technology, good videos from their conferences on web matters, publishing and technology.
23. NextMedia Aggregation of Articles
Nextmedia aggregates articles related to publishing, lots of ebook and occassional library articles.
24. FreshGigs.ca
Not just for job hunters, this blog offers lots of posts related to particular types of jobs, but also lots of solid guest posts, interviews and tips for social media management.
25. Digital Book World
Digital Book World articles on "library" to stay in the know on major developments and stories about US libraries mostly.
26. iMedia Connection Articles
Lots of good articles on online marketing, including sure-fire ways to boost customer loyalty, and six tips to make great video.
27. Booknet Canada and TechForum
Look for their blog posts and videos from their conference. Here's an applicable one on library technology challenges and the New York Public Library. http://www.booknetcanada.ca/blog/2013/4/26/spotlight-bibliocommons.html
28. Slideshare
Like the suggestion to search Pinterest for retail display ideas, you can search Slideshare for presentations on online marketing, libraries, edutech, publishing, ebooks and and other library-related keyword phrase.
Online Marketing Training
29. Online courses at Lynda.com
Learn at your own pace online.
30. Internet Marketing Conference
A big conference on marketing, various cities. Useful sessions.
31. 3-Day Web Conference for Smart Web Marketing
Any traning or conferences run by Capulet are excellent.
32. 20 Best Marketing Conferences to Attend in 2013
The year is almost half over but these conferences run annually and I agree that they offer strong content.
33. Talk to Boxcar Marketing about Staff Training
Boxcar Marketing offers tailored training sessions in online marketing. Half-day or full-day sessions cover topics like Advanced Google Analytics, Building a Marketing Strategy, Managing Social Media and other online marketing related subjects. Submit your questions or areas of interest in advance and I'll tailor the session to your needs. See what others had to say about my sessions. Contact details here.