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U.S. Senate approves revised bailout package after controversial additions

Saturday, October 4, 2008

The U.S. Senate passed a revised bailout bill designed to help the struggling U.S. financial economy, which has measures nearly identical to the bill rejected by the U.S. House of Representatives on Monday.

“Senate Democrats and Republicans believe it is essential that we work quickly on this important legislation to restore confidence to our financial system and strengthen the economy,” said Senate Majority Leader Harry Reid.

The new revisions include raising the FDIC insurance cap to $250,000, a move designed to please progressives. However, the $110 billion in tax breaks, earmarks and what has been called pork barrel spending is not offset by any increases in revenues and has added opposition to the bill from some Representatives in the House.

Earmarks added into the bailout bill included $192 million in tax rebates for the Virgin Islands rum industry, $148 million in tax cuts for the wool industry, $100 million tax cuts to the auto racing industry, and $48 million in Hollywood tax incentives.

Vice President of Taxpayers for Common Sense, Steve Ellis, offered his explanation for the pork and earmarks added in. “People who support some of these provisions will forget about the $700 billion and concerns they may have on that, and say, ‘If you give me a few million in tax breaks for my constituents, I’ll go along'”.

The tactic seems to have worked, however, managing to flip enough votes to pass the bill.

“The inclusion of parity, tax extenders and the FDIC increases has caused me to reconsider my position,” said Representative Jim Ramstad (R Minnesota), who voted against the previous bill on Monday. “All three additions have greatly improved the bill.”

But Representative Marcy Kaptur (D Ohio) was not changing her no vote. “I will not support this legislation because it’s the wrong medicine,” she said.

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The Senate took H.R.1424, a bill originating in the House concerning “equity in the provision of mental health and substance-related disorder benefits under group health plans, to prohibit discrimination on the basis of genetic information with respect to health insurance and employment,” and extended it with the bailout provisions.

H.R.1424 was introduced on March 9, 2007, by Rep. Patrick Kennedy (RI-1) and had the support of First Lady Rosalind Carter. It is noted on the Congressional Website that “On 10/1/2008, the Senate passed H.R.1424 as the vehicle for the economic rescue legislation. In the EAS version of the bill (Engrossed Amendment as Agreed to by the Senate), Division A (pp.1-110) is referred to as the Emergency Economic Stabilization Act of 2008; Division B (pp. 110-255) is referred to as the Energy Improvement and Extension Act of 2008; and Division C (pp. 255-441) is referred to as the Tax Extenders and Alternative Minimum Tax Relief Act of 2008.” It was not treated as an appropriations bill in the House.

There were two votes in the Senate. The first was to amend H.R.1424, which required 3/5 to be accepted, which it was. The second was a vote on the bill. Passage of the Bill required only a 1/2 majority. It was passed with 74 yeas and 25 nays. Senator Kennedy did not vote.

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Video hosting website Stage6 to shut down

Tuesday, February 26, 2008

American corporation DivX, Inc. announced on Monday that it will shut its Stage6 website that hosts videos made by users. The shutdown will take effect on February 28, 2008 and is because the firm no longer have the resources to keep it online.

“Why are we shutting the service down? Well, the short answer is that the continued operation of Stage6 is a very expensive enterprise that requires an enormous amount of attention and resources that we are not in a position to continue to provide. There are a lot of other details involved, but at the end of the day it’s really as simple as that,” said Tom, who is also known as ‘Spinner’ in the statement on the website and an employee of DivX, Inc. the San Diego, California-based host of the webservice.

In October 2007, Universal Music Group filed a federal lawsuit against DivX, Inc. for copyright infringement after users posted hundreds of music videos on Stage6.

Chief Executive Kevin Hell said in a statement: “By no longer expending resources on Stage6, we sharpen our focus on creating a global standard for digital video.”

Videos can no longer be uploaded, but will be able to be watched and downloaded until February 28. Stage6 made its debut in 2006. It hosted movie clips, television shows and music videos along with content made by the site’s users in the popular DivX codec.

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Affordable Alternatives To Comprehensive Health Insurance

byAlma Abell

There has been a great deal of confusion when it comes to health insurance. Whether you’re an employer or an individual looking for health insurance coverage, you may feel like the way in which you purchase health insurance has dramatically changed. There are things that are different about health insurance today that weren’t the case just a few years ago. If you’re looking for Health Insurance, however, there are still many different avenues you have to find comprehensive and affordable coverage.

If you’re an individual looking for health insurance, you may think that government run websites are the only places to find health insurance policies. While government run health insurance websites can help you to find individual policies, you are still not prohibited from going to outside companies in order to find health insurance coverage for you or your family. In fact, many insurance brokers can offer you a wide range of options for Health Insurance in Oklahoma City OK. These plans are designed to meet you and your family’s needs for you and your family’s needs for quality health care.

Another thing to consider with Health Insurance is if you are an employer looking for insurance policies to provide for your employees. Many health insurance brokers can offer plans that have special pricing for employers. There are both group plans as well as individual plans for businesses available for employers.

It’s important that the insurance broker make sure the plans chosen are going to be affordable for the employer as well as the employees. They need to do this while still offering quality health insurance coverage. Fortunately, a good broker will understand the needs of both an employer and his or her employees. There are many plans that can meet a variety of price points that everyone can feel relatively comfortable with.

As you can see, there are many other options than simply going to government run websites in order to find individual or business health insurance policies. The great thing is that when you’re working with a broker, you can explain your situation. You can explain the issues involving affordability and the broker can find insurance policies that are going to best meet your needs for comprehensive health coverage at a price that everyone is going to be able to live with.

Looking for affordable health insurance for you and your family’s quality health care, then contact CPC Insurance Agency, Inc

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Clearing the air: Positions of Canadian parties vis-à-vis the environment

Thursday, September 18, 2008

Canadian Federal Elections 2008

Day
Stories from the 2008 Canadian Federal Elections
  • 13 October 2008: CanadaVOTES: Libertarian John Kittridge in St. Paul’s
  • 13 October 2008: Canadian scientists protest Harper’s attacks on science
  • 10 October 2008: CanadaVOTES: NDP candidate Paul Arbour in Carleton—Mississippi Mills
  • 10 October 2008: CanadaVOTES: NDP candidate Jo-Anne Boulding in Parry Sound—Muskoka
  • 10 October 2008: CanadaVOTES: NDP candidate David Sparrow in Don Valley West
National Parties

In the lead-up to the 2008 Canadian federal elections much speculation was made about environmental issues and initiative, with various parties maneuvering to claim some portion of the green mantle. But it was the Liberal party which first brought a full-blown policy to the public.

In the months since the Green Shift initiative was brought forth, the political pundits and activists have both talked about this year as the first election where the environment would be a major issue on the minds of voters, and possibly a decisive one for the electorate.

It’s indeed true the environment ranks very high in minds of voters across the country, particularly among young voters. One national survey of Canadians between 18 and 25 finds the environment is the top issue. A poll of all voters found it to be the third most important single issue over all, behind the economy and health care, but the poll suggested that no one issue has really caught the attention of the electorate with many issues gaining similar attention.

The parties themselves seem indecisive, trying to claim a focus on environmental issues but rarely making specific proposals or promises, with the notable exception of the Liberals whose platform has been targeted by opponents and commentators as “wildly experimental” and “doesn’t go deep enough” by turns.

Examining the platforms of the New Democratic Party regarding air pollution and global warming as available on their website, one is struck by a lack of substance. Reference is made to C-377, the Climate Change Accountability Act, which the NDP calls “Layton’s Kyoto-Plus Bill”, which was passed in 2006. The party believes Canada can achieve its Kyoto requirements by 2012, though no mention is made of how a Layton government would do so.

In June of 2008 the Liberals tabled a plan, the Green Shift, which they claim would reduce Canada’s greenhouse gas emissions 20% under 1990 emissions – well below the 6% required by Canadian law when Canada ratified the Kyoto Accord – by 2020, which is rather after the 2008-2012 phase-in period required by that same law. The method of performing this reduction would be to shift the Canadian tax system, reducing income and revenue taxes by replacing them with taxes on greenhouse gas emissions. The plan generated considerable discussion and opposition, and the party has back-pedaled in some portions and added on in others, as well as announcing a couple of separate initiatives to soften the effects for farmers, homeowners, and fishermen among others.

A more diverse approach than solely a “Carbon Tax” is proposed in the Green Party’s platform, which presents an almost holistic approach of adherence to the Kyoto obligations, “Cap and trade” of carbon emissions, industry development with both green technology R&D and regulation as well as consumer subsidies, and their own version of a carbon tax. Alone of the parties they specifically mention the role of international diplomacy/trade as a part of their approach.

Such an approach appears to be anathema to the Conservatives, whose mantra since their election has been that Kyoto cannot be complied with without forcing an economic recession on the country, and used the Throne Speech of 2007 to reiterate that position. They have opposed cap-and-trade schemes in the past, but their platform for this election states their plan to reduce greenhouse gas emissions includes emissions caps for “four air pollutants commonly associated with smog and acid rain,” as well as “tough emission reduction targets”.

In contrast to the laundry-list of unconnected initiatives on the Conservative’s website, the clean platform pamphlet created by the Bloc Québécois makes a simple and apparently heartfelt statement on the environment:

La lutte aux changements climatiques est devenue un enjeu fondamental pour l’humanité et le Québec est déterminé à apporter sa contribution, à sa façon. À Ottawa, c’est le Bloc Québécois qui mène la lutte en faveur de l’application du protocole de Kyoto dans le respect des choix du Québec.
Tackling climate change has become a fundamental issue for all of humanity and Québec is determined to make its contribution, in its own way. In Ottawa, the Bloc Québécois, respecting Québec’s choices, is leading the fight to enforce the Kyoto Protocol.

Just how they plan to enforce the Kyoto obligations is not stated, though they do discuss a carbon market, and tax incentives for home heating upgrade and transportation.

There seems to be a wide if somewhat shallow interest in the electorate as to just what each party is offering on the environmental file. But with sketchy platforms regarding environmental issues, it’s no wonder some of the parties have turned to the subject of economics in recent days.

HAVE YOUR SAY
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News briefs:June 10, 2010

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California meat packing firm recalls 143M pounds of beef

Sunday, February 17, 2008

I am dismayed at the in-humane handling of cattle that has resulted in the violation of food safety regulations at the Hallmark/Westland Meat Packing Company.

In a press release today, California-based Hallmark/Westland Meat Packing Co. indicated that it has voluntarily recalled just over 143 million pounds (65 million kilograms) of raw and frozen beef products, which is considered to be the largest single recall of beef products in U.S. history. The move follows an investigation by the United States Department of Agriculture (USDA) into allegations of animal cruelty and mishandling of cattle destined for the human food chain.

The USDA’s Food Safety and Inspection Service (FSIS) had determined that beef products produced by the Chino, California company were unfit for human consumption as the cattle had not received “complete and proper inspection.”

The recall has been designated as Class II, which the USDA describes as “a health hazard situation where there is a remote probability of adverse health consequences from the use of the product.”

On Friday, Secretary of Agriculture Ed Schafer indicated that charges had been laid against employees of the plant alleged to have taken part in the mistreatment of cattle. “Today [Friday], the San Bernardino District Attorney filed felony animal cruelty charges against two employees who were terminated by Hallmark/Westland Meat Packing Company,” said Schafer. “It is regrettable that these animals were mistreated and I am encouraged and supportive of these actions by the San Bernardino District Attorney in response to this mistreatment.”

The USDA learned of the possible inhumane handling of non-ambulatory (disabled) cattle at the packing plant on January 30 and has since suspended activities at the plant. “We continue to conduct a thorough investigation into whether any violations of food safety or additional humane handling regulations have occurred,” said Secretary Schafer in a press release. “On February 8, our Office of the Inspector General took the lead on the investigation. At that time, USDA extended the administrative hold on Hallmark/Westland Meat Packing Company products for the National School Lunch Program, the Emergency Food Assistance Program and the Food Distribution Program on Indian Reservations while the investigation continues,” said Schafer.

The FSIS reported that Hallmark/Westland had not contacted the FSIS public health veterinarian, as required, when cattle became ill or disabled after undergoing ante-mortem (slaughter) inspection, putting the company out of compliance with FSIS regulations. “Because the cattle did not receive complete and proper inspection FSIS has determined them to be unfit for human food and the company is conducting a recall,” explained Secretary Schafer.

The cruelty charges stem from an undercover video that reportedly showed sick cattle being moved by crews using forklifts.

“Words cannot accurately express how shocked and horrified I was at the depictions contained on the video that was taken by an individual who worked at our facility from October 3 thru November 14, 2007,” said Steve Mendell, President, Westland Meat Co. and Hallmark Meat Packing. “We have taken swift action regarding the two employees identified on the video and have already implemented aggressive measures to ensure all employees follow our humane handling policies and procedures. We are also cooperating with the USDA investigators on the allegations of inhumane handling treatment which is a serious breech of our company’s policies and training.”

The USDA stressed that it is “extremely unlikely” that the cattle involved were at risk for Bovine spongiform encephalopathy (BSE) or mad-cow disease due to the employment of multiple safeguards. The USDA felt the recall was required, however, as the plant had allegedly violated USDA regulations.

The recall involves raw and frozen beef products produced on various dates from February 1, 2006 to February 2, 2008. For further information about the recall, consumers, media, and distributors are encouraged to contact Hallmark/Westland’s Plant Manager Stan Mendell or Food Safety Consultant Steve Sayer at (909) 590-3340 or the FSIS website, www.fsis.usda.gov.

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Electronic Muscle Stimulators And Their Implications

Submitted by: Adrianna Notton

Electronic muscle stimulators are used to elicit muscles in people by the use of electric impulses. The impulses are normally generated by the use of Neuromuscular Electrical Stimulation (NMES) machine that delivers the impulses through electrodes and onto the skin. This is usually done close to the muscles undergoing the stimulation. The impulses bring about a false feeling of actions that come from the central nervous system of the brain, thus causes relaxation and contraction of muscles.

It is important to first consider the origin of stimulators. Before the 16th century, the technology was unknown. In 1791 however, a scientist, Luigi Galvani, gave the first evidence of the effect of current on muscles. The discovery was that most functions of the body are induced by stimulation caused by electric impulses bring about long lasting changes in the affected muscles.

In the 1960s, the Soviet Union scientists concerned with sports applied the technology in athletics. With the knowledge that the technology was essential in muscle building, applied it to training elite athletes. This was with the hope that athletes so trained would gain energy by close to 40%. The increment would in turn enhance performance during the races.

[youtube]http://www.youtube.com/watch?v=geBLVP6xza0[/youtube]

The technology leads to training of fibers of muscles. Skeletal muscles have certain characteristics that enhance how they are stimulated. The levels to which different fibers can be activated are independent of each other and also depend on the type of electronic muscle stimulation (EMS). The changes that are induced rely on the pattern of EMS used. The patterns, called programs or programs, bring a change on the expected mode of movement of the muscles. In this way the muscular system does not have to wait for brain impulsive signals for their movements, thus production of force is greatly enhanced.

Signals from the brain are relayed through the spinal cord, but which does not always have to be the case. The NMES machine is able to electrically stimulate nerves that are attached to muscles at motor points. Upon stimulation, the nerves are made to contract and expand as would be the case during exercise. People who are not able to do exercise in the traditional way are able to still gain strength and mass within the muscles.

EMS has two major uses. It can be used for therapeutic purposes in which case it is purely medicinal. Under strict supervision of a qualified health specialist, it can be used for physical therapy and for purposes of rehabilitation. Injuries to broken arms or legs can also be expedited using the technology. The prescription can also be done for those suffering from muscle spasms or painful conditions experienced in either elbows or hips.

Training is the other use for which the system is meant. For aesthetic goals, those who want stronger muscles can apply it, in which case they also achieve increase in strength. Fats in the body have also been known to be minimized and circulation of blood improved.

On the contrary, electronic muscle stimulators are costly in comparison to services they give. It is not independent and has to be used in conjunction with normal methods of exercise. It only acts as a supplement.

About the Author: A popular form of therapy is the use of

electronic muscle stimulation

. People with chronic pain in their joints and muscles often turn to

TENS

for alleviating pain. Such systems have been created by doctors and scientists.

EMS

is a highly effective way to aid the healing of ligaments and tendons. The method was first developed in Russia, however Russian stim is more powerful.

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Teen broadcasts suicide online

Sunday, November 23, 2008

A Pembroke Pines, Florida teenager killed himself Wednesday, November 19, while broadcasting on the live video site Justin.tv. After making suicide threats and being encouraged by Justin.tv viewers and Bodybuilding.com forum members, Abraham K. Biggs, 19, committed suicide by taking an overdose of opiates and benzodiazepine, which had been prescribed for his bipolar disorder.

Biggs first began blogging about his planned suicide 12 hours before the actual event. He died after taking pills and lying on the bed in front of the webcam. After the broadcast, viewers who apparently thought it was a hoax posted messages such as “OMG”, “LOL”, and “hahahah”.

Hours later, after being alerted by viewers who had noticed that Biggs had stopped breathing, law enforcement and paramedics arrived, discovered his body, and covered the camera. The Broward County Medical Examiner’s Office has reportedly confirmed Biggs’ death.

According to Montana Miller of the Bowling Green State University, the circumstances of this case were not shocking: “If it’s not recorded or documented, then it doesn’t even seem worthwhile. For today’s generation it might seem, ‘What’s the point of doing it if everyone isn’t going to see it?'”

Biggs’ sister Rosalind was angry that neither the website nor its viewers reacted soon enough to save him. “They got hits, they got viewers, nothing happened for hours,” she said. She described him as “very happy” and “friendly and outgoing.” “On a normal day, you couldn’t really tell that he got as low as he did.” However, he did have relationship problems with his girlfriend, according to a friend.

Mental health professionals have warned about the possibility that other mentally troubled people would copy his actions. According to Dr. David Shaffer of Columbia University, “Any video showing it as heroic or romantic or glamorous could reduce the anxiety people might feel about suicide. It becomes a respectable behavior and lowers the threshold of suicide.” He and other psychiatrists recommend that potentially suicidal teens talk to others and “tell what’s going on.”

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Afghan women’s rights official shot dead

Tuesday, September 26, 2006

Safia Ahmed-jan, the director of the Afghan Ministry of Women’s Affairs for the Khandahar province and an advocate of women’s rights and a strong critic of the Taliban‘s repression of those rights, was shot dead by unidentified gunmen outside her home in Khandahar city in southern Afghanistan on Monday.

Safia Ama-jan, as she was known locally, is the first woman official to be targeted by the Taliban-led insurgency since it was deposed in 2001.

Safia Ahmed-jan taught at a girls’ school and was a high-school principal in Khandahar prior to the Taliban’s 1996 rise to power in Afghanistan. When the Taliban regime banned education for girls and forbade women from working outside the home, she ran an underground school for girls at her home, said her son Naqibullah, speaking to the Associated Press.

After the Taliban government was overthrown in 2001, Ahmed-jan became the provincial chief for women’s affairs in 2002, when the ministry was established and has since then held that position, worked for women’s rights and particularly, championed the cause of educating girls. Her secretary, Abdullah Khan told Associated Press that among her most successful projects were the vocational training schools she opened in Khandahar, where almost 1000 women were taught baking, tailoring and other skills.

Ahmed-jan has also been fiercely critical of the repression of women during the Taliban rule, in a region that has remained conservative and emerged as a hotbed of the Taliban’s insurgent activity. Her requests for personal security guards and transport went unheeded by the government, according to local media reports, though her nephew, Muhammad Asif told the New York Times that Ahmed-jan preferred to keep a low profile and used a taxi or public transport even though her office maintained cars and drivers.

Ahmed-jan was shot dead outside her house at about 7:30 a.m. local time (UTC+4:30) on Monday, as she left for work in a taxi. The gunmen are believed to have left scene on a motorcycle, and tyre marks have been found by the police, said the provincial governor Asadullah Khaled, who visited the scene of the attack.

Ahmed-jan was shot four times with a pistol, Muhammad Haidar, who worked in her office told the New York Times. Mohammad Nader, the head nurse at Khandahar’s main hospital where Ahmed-jan was taken to, confirmed to the Chicago Tribune that she was shot four times, including once in the head.

She was about 65 years old.

Accounts of the shooting are sketchy, several reports suggesting no one witnessed it. However, one man, identified as Allaudin told Al Jazeera that he saw two men on motorcycles waiting on the road, who attacked Ahmed-jan as she left her house.

A spokesman for the Khandahar governor, Daud Ahmadi confirmed the death and said that Ahmed-jan had died on the spot. An investigation into the attack has begun, and local officials have blamed the Taliban.

Hundreds of men and women, including the Governor Asadullah Khaled were present at Ahmed-jan’s funeral on Monday evening, which took place in Khandahar’s main Shia mosque.

The killing has been strongly condemned by the Afghan President Hamid Karzai as well as aid and human rights organisations in Afghanistan.

Aleem Siddique, a spokesman for the United Nations Assistance Mission in Afghanistan (UNAMA), said that UNAMA was “appalled at the senseless murder” of a woman who was working to ensure a full and equal part in the future of Afghanistan for its women. He added, “We share the sentiment of the majority of Afghan people who are appalled at this killing.”

Abdul Quadar Noorzai, head of the Afghan Independent Human Rights Commission (AIHRC) for the Khandahar region told IRIN News that Ahmed-jan’s death will have a “serious impact on women’s activities in the south where women are already suffering from … the deteriorating security and conservative traditions,”.

Fariba Ahmedi, a woman MP from Khandahar who was present at Ahmed-jan’s funeral told the Associated Press, “The enemy of Afghanistan killed her, but they should know it will not derail women from the path we are on. We will continue on our way,”.

Sonja Bachmann, a U.N. political officer who knew Ahmed-jan well told the New York Times that Ahmed-jan “did a good job, she worked in a very low-key way and worked hard to raise awareness about women’s issues.”

Reuters and Associated Press received phone calls, claiming responsibility for the attacks on behalf of Mullah Sadullah, a regional Taliban commander, but no confirmation of the claim has been possible.

Another caller, who identified himself as Taliban commander Mullah Hayat Khan told Al Jazeera that Ahmed-jan was killed because she worked for the government.

The Taliban-led insurgency has stepped up attacks in recent months, killing hundreds of people this year.

Last week, 19 Afghans working for reconstruction projects in the region were killed after their bus was ambushed.The Governor of Paktia province, a close associate of President Karzai, was killed in a suicide bombing on September 10.

Attacks on schools have also been stepped up. According to the Afghan education ministry, there have been 158 attacks on schools this year, compared to 146 last year. The attacks on schools are believed to be due partly to the Taliban’s opposition to educating girls, as well as a way to undermine the Afghan government and it’s reconstruction efforts.

Twelve suspected militants and two Afghan police officers were reported killed on Monday in separate incidents which also left eight others and a U.S. soldier wounded.

“People are scared, of course,” Ahmad-jan’s co-worker Haidar said, “How can we feel secure when the head of our department is killed in front of her house?”

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Five Things Your Car Insurance Company Doesn T Want You To Know

Submitted by: Daren Singh

When you re looking for the right auto insurance plan, it s hard to tell which companies are helping you get the best car insurance quote and deals, and which ones are overcharging for their services.

The good news is there are hundreds of car insurance companies to choose from; you can get dozens of offers, compare insurance company ratings, and find out which insurance company can get you the best rate. The bad news is, many auto insurance companies don t disclose their application process in detail, and may be ranking and rating you to raise your auto insurance quote.

Knowing which auto insurance companies can get you the best deal involves research, exploring car insurance news, and knowing when to shop around. Here are just five things your car insurance company doesn t want you to know:

[youtube]http://www.youtube.com/watch?v=IL_egHqaU3s[/youtube]

1. The model of your car affects your insurance rate. Few auto insurance companies won t tell you exactly how they calculate their car insurance quote and rates, and most rely on a grading and ranking scale for different makes and models. This largely depends on the safety and reliability of your car; if a car is at risk for theft or has a low safety record, your car insurance quote is likely to be much higher than average. The best way to avoid overpaying for car insurance with this in mind is to ask about the range for your vehicle. If you re in the market to purchase a car, you can also find out which cars are considered to be the most expensive in your area.

2. They can cancel your auto insurance during the binding period. The first 30-60 days with your car insurance company is a special time where they will review your account and watch for any claims you file. This is a critical time where the auto insurance company can cancel your policy for almost any reason. State laws vary on how long this binding period is, and each insurance company works under different guidelines on regulations on what is acceptable during this period and what isn t.

3. You won t always get the whole amount if your car is totaled. The collision policy on your car insurance can very considerably depending on auto insurance provider, and not all companies will cover the total value of your car. Some insurance companies only offer complete reimbursement for specific cars knowing if your car qualifies beforehand is an important item to consider when you re trying to make the right choice.

4. They only work with select body shops. Many auto insurance companies work with only a few body repair shops, and you ll be required to visit these shops if you want reimbursement. If you go to an out of network body shop, there s a good chance you ll have to pay for most of the repairs yourself. It s a good idea to make sure the body shop you prefer, or one that s in your area, is covered by your car insurance provider.

5. Your credit report has a lot of weight in calculating your car insurance quote. Few people realize that their credit rating has an influence on their premium and final auto insurance quote. Making sure your credit report is clean and clear of errors is important when applying for car insurance, so you may need to contact the credit bureau to check for errors before submitting your application

About the Author: Daren Singh writes for http://www.myinsurancedeals.com specializing in Insurance. Offering

Free Car Insurance Quote

,

Free Health Insurance Quote

, and

Free Homeowners Insurance Quote

. Spending a little time shopping around can save you $300-$400 per year.

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