A Beginner’s Guide to Buying a Tortoise

Increasingly tortoises are becoming popular pets to have thus their availability has grown. But how and where do you buy a healthy and reasonably priced tortoise? Below I provide a simple guide on how to buy a tortoise the healthy, humane, and correct way.

Do your Research

Before you buy your tortoise you need to know what you are looking for. You should choose the species based off your ability to fulfill the needs of that particular species.

For example if the species of tortoise you want has a very particular and expensive diet that you cannot afford, do not buy that species.

Also, when picking a species you should take your experience into account. If you are a beginner pick an easy to take care of tortoise. For example, Russian Tortoises are small and not very temperature sensitive. While an Indian Star Tortoise should be left for advanced and experienced keepers only.

Where to Buy a Tortoise From?

Now that you have a species in mind, lets take a look at the few possible avenues of where you could buy a tortoise.

-Breeders

Breeders are individual people who breed tortoises as a hobby or a business. There are many advantages to buying from a breeder. When you buy from a breeder you know that you are buying a 100% captive bred tortoise that wasn’t taken from the wild. Also, the breeders can offer one-on-one advice for care and in most cases sell the reptile for a lower price than pet shops.

To find breeders in your area search the web on sites like Craig’s List or reptile forums like Tortoise Forum.

-Online

With a quick online search you can find companies willing to send you your tortoise in the mail. Most often these are large-scale tortoise farming operations. Before buying from one of theses companies, do your research and make sure they are humane and most of the time deliver alive and healthy reptiles.

Also, a good amount of the time these companies can provide accurate information on how to care for the tortoise.

-Pet Shops

Buying from big chain or local pet shops is not advised. Most of the time these reptiles are coming from poor conditions and being sold to you by people who aren’t very knowledgeable about tortoises or any reptile. Plus most of the time the reptiles being sold are overpriced compared to breeders. And pet shops have been known to sell beginners unnecessary, expensive equipment.

Useful Tips For Buying A Copier

Every business establishment, whether big or small, needs a copier. Xerox introduced its first fully automated plain paper machine in 1959. Since then, copiers have seen a significant amount of technological development. Modern ones can combine copying, laser printing, scanning and faxing into one machine.

You can find digital and analog copiers in the market. Companies prefer digital ones as they produce less noise, have fewer mechanical problems and reproduce fine lines and photographs. Whether you are looking to buy a new copier for your home or office, here are a few tips to help you make the right choice:

Need– Every business has different printing needs. Get a relatively accurate idea of the number of pages the device will be required to copy in a month. If you require frequent color copies, go for a color copier that offers great options, low cost per click pricing, fast speed and superior image quality. Defining your needs well in advance will help you in making the right decision.

Features– Different copiers come with different features and functions. They also define the cost of the machine. You should consider additional features like, handling different paper sizes, wireless connectivity, security, energy efficiency, graphic capabilities and finishing capabilities.

Consider A Multi function Device– It is always better to buy a single business machine that can scan, fax and print documents rather than buying multiple ones. A single device is cheaper than separate business machines. You should weigh the pros and cons of a single multi function device over a simple copier and additional machines.

Speed– You should check the speed of printing before buying. Keep in mind that faster is not always the better.

Cost– Take into consideration the amount your business is currently spending on outsourcing the task. Buying a copier for your business helps you save both time and money. This will also make your office more productive and versatile. Your staff will be able to serve the business needs more efficiently. You should consider buying a high-performing machine considering it a good investment.

Support– Do proper research and buy a copier manufactured by a reputable company. You should buy from a company that you can not only trust, but also the one that can give you support and maintenance when you need it. This will help you in saving a lot of headaches down the road. The company should offer proper technical support, cleaning and repairs.

Taking time to do research before buying a copier will help you save money. You can also browse a range of copiers available online to get good deals.

Tips That Make Buying Electronics Enclosures Easier

As one of the essential components of electronic or electro-mechanical devices, an electronic enclosure helps protect them from electromagnetic interference (EMI). A lot of appliances and devices like instruments, computers, consoles, push buttons and industrial PCs use these enclosures to avoid exposure to radiation. Besides offsetting the effects of EMI, these specially designed enclosures also save them from the onslaught of external elements like dust, dirt, heat, moisture, and chemicals.

Selecting the right kind of electronic enclosure can be a bit tricky as there are several factors to consider. If you are planning to invest in a few electronic enclosures, here are a few tips to make the buying process easier for you. Take a close look:

Understand Your Shielding Requirement

Before investing in an electronic enclosure for your product, make sure you form a fair idea about how it works. This will help you choose the best enclosure solution depending on the usage of your application. This homework will also help you to know the issues that might crop up while in use and how to deal with them. You will also get an idea of the accessories that you can use along with an enclosure. Also, consider the ratings of the different types of enclosures before making the final choice.

Choose the Distributor Wisely

While buying an enclosure for EMI protection, make sure you buy it from a reliable electronic component distributor. Most of the electronic enclosure manufacturers distribute the products themselves. However, check the availability and shipping time with different distributors before you place the final order. Also, study the ongoing market trends thoroughly so that you can form an idea about the competitive pricing. Usually, a direct buy from the manufacturer helps you get the best possible deals, and this is even more so if you are buying enclosures in bulk.

Get In Touch With the Sales Team

While purchasing enclosure products from a particular manufacturer, be sure to get in touch with their sales team. These skilled professionals will provide you with all the necessary information you need to make an informed buying decision. They might also come up with a more cost-effective solution for you, based on your exact requirements. Hence, get in touch with them well in advance.

Get the Enclosures Modified

One of the most important tasks is to get the enclosures modified. Whether you need the change for identifying or matching dimensions with output, and input always get it done by the manufacturer as they have the best knowledge regarding the impact of certain modifications on the different materials. They are the best persons to guide you on choosing the right technique for the integration of the solution into your application. For example, how much torque to use for drilling it into your device? Your manufacturer’s man is the best person to answer such questions. Moreover, they will also suggest the most cost-effective options for you.

Following these tips will make the job of choosing and buying the electronic enclosures way easier for you. So, keep these tips in your mind and evaluate your options quickly.

Buying a Timeshare Resale: Seven Tips For Success

Most people know that when buying a timeshare, great care should be taken. However, even more care and research should be used when buying a timeshare resale. Timeshare resales cost much less than buying directly from a resort developer, but you should still keep your best interests at heart. Being informed about your timeshare will lead to a positive experience.

1. It is a very good idea to actually see the timeshare you are buying. Some timeshare resellers may “talk up” their timeshare. If the reseller says that the timeshare is in a beautiful place, be sure to check it out. A timeshare, even a resold timeshare, is a great investment. It is important to make sure that you are buying what you want.

2. Timeshare resales often have very appealing prices. Sometimes, these prices can cause the buyer to overlook crucial questions. Be sure to ask about maintenance fees and property taxes. If these have not been paid up-to-date, then the timeshare will cost significantly more than the base price. It is very important to know the whole cost before you decide to buy a timeshare.

3. Some timeshares are affiliated with an exchange company. If the timeshare you are purchasing is affiliated with an exchange company, make sure to find out if this membership can be transferred. Doing this can help you to avoid unnecessary hassles in the future. If the timeshare you are purchasing is a point-system timeshare, find out if the points are transferable. Finally, if there are any additional bonuses with the timeshare, find out if they can be transferred.

4. The seller often pays to advertise the timeshare, while the buyer is stuck with the closing costs. Be informed and find out all of the charges that you will be responsible for upon the closing of the sale. This is important because some buyers do not know how much they are paying when they decide to buy the timeshare.

5. Visiting the timeshare can solve this problem, but it is important to be aware of it. Timeshares can sometimes be located in a facility that has only been partially remodeled. Other timeshares have not been touched at all. Paying an extremely high price for an old, worn-out timeshare is never a good idea.

6. Timeshares have different times that they can be used. Knowing when you can use your timeshare is very important. Some timeshares are odd-or even-year-use timeshares. If you buy one of these timeshares, it may be another year or two before you can actually use the timeshare you purchased. If there is a lease on the property, make sure to find out how much time is left on the lease.

7. Last, but certainly not least, find out why the timeshare is being sold. Too many buyers simply overlook this crucial information. Some resellers don’t want it anymore, but other resellers may have discovered a problem with the timeshare, or an inconvenience. It is important to know these issues so you can decide whether or not you yourself want to deal with them. If the reseller tells you the negative aspects concerning the timeshare, and you are still fully confident in its success, then it will be a good investment.

Timeshare resales can be complicated business. It is important to be as informed as possible when purchasing a timeshare because it is often a very large investment. The more investigating you do, the more informed you will be. Being informed is the best way to ensure that you have a positive timeshare resale experience.

10 Tips to Avoid a Disaster in Buying a Wall Map

Buying a wall map that shows street-level detail can be one of the trickiest tasks a small business faces, especially if the buyer is geographically challenged.

For some businesses, a good local wall map may make the difference between a flat bottom line and one that bulges upward a little.

Few buyers know it, but the task of buying a map for the wall is loaded with possibilities of making a mistake that the purchaser later will regret. The job is not as simple as reaching for a can of beans on a shelf at your local supermarket.

Here are 10 tips to help the buyer avoid a disaster:

1. Know what job you want the map to do.

· Does it cover the territory you need covered?

· What features do you want the map to show?

· Do you want a pretty map or a useful map? Color? Black/white?

· What size do you seek? Will it fit your wall?

· Is the method of hanging important? (rails? rollers? eyelets? nothing?)

· Is lamination necessary, or would you accept paper if available? (Most maps for the wall are not available in paper, because the publisher can’t make enough money to support its business by selling paper maps.)

2. Be willing to compromise.

There is no such thing as a perfect map. Be aware that the business of publishing a map – any map – is extremely complex. Partly because of this, as an example, every map sold to businesses is out of date on the day it comes off the press. And the longer it sits unsold on a shelf, the less current its information is.

The key questions the buyer needs to ask: Does this map do the job for me? Or are there better alternatives?

3. Know your publisher.

Publishers come in all kinds of stripes. No two are alike. Each publisher has its own methods, its own goals, its own priorities. And different publishers focus on different markets, serving different clientele. Make sure the publisher you choose focuses on your needs as a customer.

Don’t buy a map just because the publisher is a household name. That publisher may not serve the market you’re in, and the map offered by that publisher likely won’t serve your needs. Example: If you’re not part of the market that includes tourists, you don’t want to choose a street-level-detail product for your wall produced by a publisher whose primary market is tourists.

While you may want to avoid a publisher that is a household name, it’s not wise to choose a publisher you’ve never heard of. Ask another small business that has bought a map for the wall. Would it buy another one from the publisher you’re considering?

Where does the information on the map come from? A map publisher’s standard answer is that it comes from local government sources. What that publisher doesn’t want you to know is that it may be buying that information from a third party which may have gotten it from a local government source, maybe via the Internet.

Which is okay, if it’s accurate information. But how can the buyer know for sure? Is the publisher telling the truth? Yes, and no. Unfortunately, the economics of map publishing are forcing the largest publishers to buy the information from third parties.

4. Buy directly from the publisher if possible, not from a distributor.

This may be more easily said than done, but here’s why it’s important: The publisher controls the quality of the product. The distributor makes sure it gets to a place where you can buy it, and most often the distributor is the end seller. The distributor has no control over quality. A distributor sells the products that are available. (Most maps available on the web are sold by distributors, not publishers.)

Like many industries, the map business is going through a period of consolidation and change. What was true as little as five years ago may not be true today. Regional publishers are vanishing like the 10-cent movie theater, so it may be hard to find one in your area.

But a regional publisher is much more likely to serve your street-level-detail needs than a national publisher, who is more likely, for example, to serve a different market. It makes sense that a publisher in Chicago who serves the national tourist market can’t keep up with the street changes in your area – especially the streets that a local business needs.

Example: If a street is missing on a tourist’s map, few tourists are likely to notice it. But the omission will stick out like a palm tree in Alaska to a local business — and tell volumes to a potential buyer. Be aware that this difference affects cost, and thus price.

5. Don’t buy sight unseen.

You don’t buy shoes sight unseen. Why would you buy a map sight unseen? Like shoes, one size doesn’t fit allBuying sight unseen is the biggest mistake a map buyer can make.

One change in the map industry has been that many regional map stores have closed, robbing the customer of the chance to see various map products on the wall. That’s too bad, because the chances of making the wrong decision are greatly increased for the buyer.

In many cases, the choices for the buyer today are the web, the web or the web. You can buy a wall map on the web, but you have to be very careful. Know this: What a map website doesn’t say may be more important to you than what it does say.

Beware the publisher or website that is unable – or unwilling – to show and tell. And – if the publisher does show its wares – it’s likely to leave the prospective buyer feeling cheated in his quest for information that can be used for a purchase decision. Click away from the website that doesn’t show you what you want to see.

6. Make sure the map shows information current enough to serve your needs.

A map may be considered up to date by one buyer, but the next buyer may have a far different opinion. The currency test is this: Check an area you’re familiar with — make that two or three areas. Ifyou think the map is up to date, then it’s up to date. The next buyer doesn’t matter. Above all, be aware of this: If a publisher touts his map as being up to date, he may be just telling the buyer what he wants to hear.

7. Try to learn when the map was published, if that is important to you.

Resist the temptation to look at the date on the map (almost all maps show the ‘date it was published’).

This may surprise you: More often than not, the date on the map is meaningless. Little known by most map buyers, here’s what that date means: This is the publisher’s edition for that year. The date on the map often has absolutely nothing to do with the up-to-dateness of the map’s information.

8. Comparison shop – not only for price but also for quality.

The web is chock-full of publishers offering wall maps. Google wall maps and you’ll find almost a hundred million pages containing that phrase. That makes comparison shopping mind-boggling. It’s a maze. But it’s research that every map buyer should do. Remember this: The least expensive map may not be the best to fill your needs, and the most expensive may not be the best, either. Never forget the job you want your map to do.

9. Be prepared to weigh price vs. quality.

On this issue, you’ll have to compromise something. Is price more important to you, or is quality more important to you? Bottom line: Does the map do the job?

10. Take your time deciding. Don’t make a snap decision.

If you decide at 9 a.m. that you need a map on the wall by 2 p.m., you’re going to make a horrible mistake. Buying a map for the wall – one that does the job – just doesn’t happen that fast.

Yes, buying a map for your wall is tricky business, and your business probably is tricky enough. What you don’t need is more tricks. Like most other purchases, in buying a wall map you need to do your homework. Use these tips. Ask a lot of questions. If you don’t like the answers, don’t buy.

6 Useful Tips for Buying Cheap Textbooks

When it comes to sourcing the latest textbooks for your education, there are generally several practical options, such as renting, buying used or buying new. With a little planning, it is possible to save a significant amount of money on the many different college textbooks needed. Let’s take a look at a few useful tips to save money on sourcing textbooks:

Plan ahead – a simple strategy to get the best prices is to plan ahead and buy the textbooks well in advance of classes starting. The cost of textbooks often increases just before classes begin because the stock is typically lower at this time. If you plan ahead, you will be able to buy the relevant textbooks at a far more attractive price because there are greater numbers available.

Also, in order to buy early, you want to make sure to get your reading lists from your professors as soon as possible. A further benefit of buying early is the option to use a slow, low-cost shipping method if buying online.

Buy used – the option to buy secondhand is likely to be the best course of action to find what you need at cheap and affordable prices. Even with books that have seen little use, there is the potential to save a significant amount on the original list price.

Older editions – textbooks in certain subjects such as history, chemistry and biology see minimal updates from one publication to the next. If you are able to buy a slightly older edition you are likely to benefit from massive savings. However, it is worth checking with your course tutor to make sure a slightly out of date textbook is acceptable.

International editions – one of the less used options is to look at an international edition of a particular textbook. While these books are likely to be slightly different in appearance and generally paperback, they are able to give the desired information.

Price comparison tools – using one of the many price comparison websites that is entirely dedicated to finding the best deals on textbooks can help to speed up the process of finding what you need.

Free shipping – look for independent bookstores that sell used and new textbooks. They are often competitively priced and may offer free shipping. Also, there may be discounts on ordering multiple textbooks at the same time.

Overall, with a little careful planning and following these tips there shouldn’t be any reason not to save a lot of money on the different textbooks.

Top Ten Tips when Buying Real Estate!

In today’s financial climate, real estate continues to be a strong investment in many areas. Educated buyers will always make the most out of the real estate market. These top ten tips to buying real estate will help you enter into your next real estate transaction with confidence.

TIP #1: Hire the right Agent!

Hiring the right Real Estate Agent is invaluable. If you are unfamiliar with the area, the realtor you choose is your link to important information regarding schools, zoning, city and county regulations, neighborhood trends, building and remodeling and rental restrictions, and property values. Every city has different laws governing what can and can’t be done with a property. Sanibel is one of the most beautiful cities in the United States due in part to its strict building codes and city planning. Having experienced many aspects of real estate transactions on a personal level, I understand situations and concerns of my buyers and sellers. I have been an island property owner for many years and have walked through several local real estate transactions myself. From buying and selling lots to building new homes with local builders, to investing in rental income producing properties and utilizing 1031 Tax free exchanges, I don’t just sell island real estate; I invest in it because I believe there is no place in the world like Sanibel and Captiva. Whether you work with me or someone else, finding the right realtor is invaluable.

TIP #2: Utilize 1031 Tax Exchanges and Save Money!

1031 Tax Exchanges are tax free exchanges of investment property. Section 1031 of the Internal Revenue Code is one of the last great tax shelters. If you purchase an investment property of “like kind” within 180 days of the sale of a similar type property, and you are willing to increase the amount of debt or value of the property, your capital gains taxes can be completely deferred. Having just completed a Reverse 1031 tax exchange myself, I believe in using this powerful tax shelter. Feel free to contact me if you are considering using a current Sanibel, Captiva, or Ft. Myers property in a 1031 Tax Exchange, or want to purchase an investment property that might qualify in the future for a 1031 Tax Exchange. A Reverse 1031 Tax Exchange is the same exchange concept as a 1031 Tax Exchange except you have purchased your replacement “like kind” investment property first, before selling the property to be exchanged. Learn more about 1031 Tax Exchanges, and how to use them to your financial advantage. Keep in mind that a neutral party must have act a Qualified Intermediary. Real Estate may also be bought and sold through your self directed retirement account. Whether you utilize a traditional IRA, Roth IRA, SEP, or company plans such as 401 (k) plans, Keogh, or profit sharing plans, investigate your options.

TIP #3: Pre-qualify for Financing!

Pre-qualifying for a loan may not seem that important until you find your perfect paradise property at the same time as another buyer. When a property is priced to sell, it will usually attract more than one buyer. Once a seller receives an offer, the two most important things they consider are …the price, and the contingencies. For some sellers, a contract contingent on the buyer obtaining financing makes them uncomfortable with the offer. Eliminate any doubt in the mind of a seller, by pre-qualifying for the amount you may spend on the purchase of any property. This is especially important if your dream property suddenly has a price reduction. When this occurs other buyers might come into the picture, that didn’t look at that property before it went “On Sale”! Often times a seller will take a financially solid contract over a higher offer. Be ready to put a deal together!

TIP #4: Location, Location, Location!

“Location, location, location”, while overused as a real estate phrase, is still and always should be a huge consideration to you as the buyer! If something about the location of a property bothers you, be aware that the same location drawback will bother any buyer you hope to attract when and if you need to resell the property! It’s important to ask a lot of questions, but often times it is difficult to know the right questions to ask if you are unfamiliar with the community. This is why it is so valuable to choose and hire the right real estate agent to represent your interests when buying a property.

TIP #5: Get a Home Inspection!

Obtaining an inspection report performed by a licensed professional building inspector of your choice, can protect you from many defects that are hidden from view. Why gamble with such a large financial investment? Let a professional building inspector point out areas to be fixed or replaced that aren’t obvious. A good inspector will give you a lengthy report covering all systems in the home from electrical, to plumbing, to roof conditions, and structural concerns. Once you receive a report you may begin negotiations again concerning repairs. Often a seller will agree to make necessary repairs up to a specified financial amount. When a seller lists their property “as is” they are letting you know that they are not willing to fix or replace any part of the property. If you are interested in an “as is” property and aren’t going to level the structure and build new, it is still in your best interest to obtain an inspection report. Don’t rely on the building inspector to look for termites and other harmful pest problems. Although an inspector will see pest damage, it is best to have a separate termite inspection conducted by a licensed company that understands pests and can eliminate them.

TIP #6: Obtain a Survey and Title Insurance!

Surveys will show easements, encroachments, and boundary lines of a property. By surveying a home in an established neighborhood you are assured that the property boundary lines have been maintained. As homeowners add on the their properties over time with fences, sheds, docks, garages, and other structures, boundary lines can be crossed placing part of their structure on your property, or vice versa. Surveying vacant land is also important for same reasons as a home, plus a survey will help determine the size home, or amount of coverage the lot will allow.

Title Insurance will protect your investment from another party claiming ownership interest in your property. Title searches will uncover liens placed on a property by vendors, or mistakes in past transfers of the title. The last thing you want to discover when you’re in the back stretch of a transaction is that there are encumbrances on the property such as tax liens, undisclosed owners, easements, or leases. Should a claim arise after the purchase of a property, the title insurance company is there to protect your ownership interest in that property.

TIP #7: Be Realistic!

“Wants” and “Needs” are very different when is comes to real estate features. If every home you see has the upgrades you “want” but exceeds the price range that you “need”…. be realistic. Who wouldn’t love a large, oceanfront, professionally decorated home or condominium, with all the bells and whistles? Looking at properties that exceed your price range is always fun, but it can be extremely frustrating and upsetting. Be realistic by looking at listings in the price range you “need”, keeping an eye out for that special property that has the potential to evolve into the dream home you “want”. Always look beyond the furnishings, wallpaper, and floor coverings to the architecture of the home; it is then that you will find properties with potential.

TIP #8: Use Contract Contingencies Wisely!

Contingencies in a contract for the purchase of a property are designed to protect you, the buyer! This may seem silly to mention but it’s important to remember that you need to work with the seller to come to an agreed upon contract. Valid contingencies to an offer are expected by the seller. Common contingencies include building inspections, termite and pest inspections, financing, and surveys. Many deals fall apart over small details, and easy to fix issues. Remember that sellers are emotional about their property. If you can see that major repairs or replacements need to be made due to neglect or age, make allowances for this in your offering price. The old adage “Everything is negotiable” still holds true, unless you upset the seller so much that they refuse to work with you. Try to avoid listing cosmetic changes you would like the seller to make as contingencies. Cosmetic changes are subjective, be objective when writing a contract.

TIP #9: Understand Regional Health and Safety Issues!

An informed realtor will help you understand other health and safety issues that should be considered when purchasing a property. Safety and Health topics can include EIFS (Synthetic Stucco), indoor air quality, mold, radon, and lead paint. Many of these require the seller to sign a disclosure statement, while others may not apply due to the age, type of construction, or location of the property being purchased.

TIP #10: Ask for Information!

Don’t be shy. When you have hired a realtor to work for you, ask them for information. Do you want to look at all the properties in your price range, with the features you need, or just the houses a realtor wants you to see? You deserve all the information you need to make an educated decision. Can you imagine buying the home that you felt was good for your family, only to find that you never received information on a similar property that is perfect for all your needs? I provide many services to insure my buyers always have information at their fingertips.

Important Tips on Buying a Life Insurance Policy

Introduction

Life Insurance comes with many benefits. Nowadays, life insurance isn’t just a contract between the insurer and insured, which provides protection against risk of life by paying a premium. For sustainability in the market, every company and product need to adopt the current demand and circumstances and same goes with the life insurance products too. In these years of change in the market, regulator and life insurance companies have taken major steps to meet the changing demands which have provided customers with following options and benefits:-

  • Wide range of product portfolio
  • Options of saving and investment
  • Added benefits with life insurance
  • Different ways of getting low premium and high coverage
  • Additions in list of key features of life insurance polices
  • Transparency and hassle free procedure

With a pool of different companies, products and benefits to choose from, you need to pick out the best one for you. There are many things which you need to keep in mind before buying insurance and there is no specific guideline for choosing the best one, it all depends on your need and situation. But there are some important points related to every policy which can help you to filter the best insurance policies. Based on those important points, we have outlined following important tips for buying a life insurance policy.

Tips

  • Start early

Buying a Life insurance when you are young, gives you a lot of benefit. You will be able to get high coverage at a very low rate of premium because age has a direct effect the premium rate (younger the buyer, lower the premium is). In addition, with low premium, you will get better financial planning, long duration of coverage and your premium will be locked at a very low rate for your entire policy term.

  • Choose the right coverage amount

Don’t decide your policy coverage on your feelings or on calculations based on single factors (like 10 times of your salary). While deciding upon the coverage amount, always consider your current lifestyle, debts, assets, future obligation (college education of children, settlement of your family to different locations, etc.), and rate of inflation. Choosing low coverage will give you zero benefit while choosing a high coverage will be a costly deal for you.

  • Comparison is the key

Comparison is very much necessary before buying an insurance policy. It helps you to choose the best policy at the best rate. There will be many polices which will not offer benefits which you are looking and may be available at different rates. There are many IRDAI certified comparison portals which provide a comparison of different policies on their websites which is unbiased and easy.

  • Choose the right policy

Different policies have different benefits, eligibility criteria, terms and conditions, exclusions and inclusions. You can choose the right policy for yourself only if you know about it well. So the key in choosing the right product is better understanding about it. Know about the riders available, add on benefits, what is not covered under your policy, premium rates and all other aspects related to your policy. Know your needs well and then find policies accordingly.

  • Choose the right company

There are more than 20 companies in India and it very much necessary to choose a trustworthy company. There are some companies which provide best insurance policies and are trustworthy also. You need to check the claim settlement ratio, review (by customer and experts), claim settlement process, product portfolio, price, etc. of different companies to choose the right one.

  • Understand the brochure

There is a brochure available with every Life Insurance product which is available on the company’s website. It contains all the key benefits, features, eligibility, inclusions, exclusion, term and condition related to the policy. Go through every fine line of the brochure to understand your policy well. It will help you to use the available benefits and avoid any bad surprises in future.

  • Disclose your information correctly in the proposal form

Some people hide facts about themselves while filling the proposal form and giving personal details to the company. For example, some people tick themselves as a non-smoker while giving details to get low rate of premiums. But later, at the claims stage, it could result in zero benefit as the claim will be rejected due to misleading information provided by the insured. You can’t fool the company by giving wrong information. So to avoid any hassle during the policy or at the time of making claims, it is always necessary to provide the right information about yourself to the company.

Never buy a Life Insurance policy in a hurry because it’s a decision which will have an effect on your whole life. Give some time for research and understanding your needs well because a policy bought with precision gives you exactly what you want.

7 Tips for Buying Urns Online

In the past, purchasing an urn involved going to the funeral home, which handled the funeral arrangements of your beloved family member, and picking one from their display selection. Now, since the advent of the Internet, one can simply type in the search term “urns” in any search engine and find literally hundreds of companies selling a wide variety of cremation urns online. Purchasing an urn from an Internet company can be painless and done from the comfort and privacy of your home. Yet, with such an enormous selection of urn vendors, how does one determine which vendor to purchase from?

It is difficult if not impossible to know who is genuinely interested in helping the customer and who is out to make a buck. These 7 tips are designed to help you evaluate the companies on the Internet selling cremation urns. Hopefully the information will help make this part of the process a little easier for you and your family.

1. Research the Urn Vendor

You want to deal with a business that is experienced and ethical. Invest a little time to educate yourself about the vendor you are considering doing business with.

  • How long have they been in business?
  • Where are they located?
  • Are they members of the Better Business Bureau?
  • If so, have they had any complaints?

Look within their website for an About Us or Company page that offers more information about them. You can also contact them by phone or email and question them.

Check with the Better Business Bureau to see if they are a member and if they have had any complaints for the last three years. Members of the BBB Online Reliability program will prominently display the BBB seal on their website.

Be skeptical of vendors that do not fully disclose simple yet important information such as contact phone number, email address, and where they are located.

2. Examine Their Customer Service

Good customer service is shown by being focused on helping you instead of just getting the sale. They need to be oriented toward fulfilling your needs and not theirs.

  • Can they be contacted by phone or email?
  • Do they appear knowledgeable about their products?
  • Are they helpful in answering your questions?
  • If contacted after hours did you receive a reply within a reasonable amount of time the following business day?

It is more comforting to talk to an actual person and this should be possible during regular business hours. Contact them with any questions you have or just to see how they handle your call. You can learn a lot just by interaction with the company before you make the purchase.

You want to feel comfortable when discussing various details with them and they need to be helpful.

3. You Need a Guarantee

You want some kind of satisfaction guarantee especially with this type of product. If you get the urn and decide you don’t like it, you should be able to return it as long as it is in resalable condition.

  • Does the vendor offer a money back guarantee?
  • Do they accept returns?
  • If they accept returns, is there a restocking fee?

If your urn has been personalized or if it is custom made, then it is understandable if the company cannot accept a return just because of a change in heart. However, if it is damaged upon arrival or they personalized it with the wrong information they should replace it at no charge to you.

4. A Privacy Policy

With the amount of identity theft going around, you want to make absolutely certain your personal information is protected by the vendor you are dealing with.

  • Is the vendor’s privacy policy easily accessible?
  • Does it clearly outline what information is gathered?
  • Do they inform you how your personal information is handled?

Certainly you have heard how many Internet users are having their information given or sold to spammers. Take the necessary steps to ensure it does not happen to you.

5. Secure Payment Processing

You’ve taken the necessary precautions to ensure your credit is healthy. Don’t ruin it by making an online purchase from an unsecured website, which in turn may lead to fraudulent charges.

  • Does the website offer secure encryption?
  • What types of security measures are offered?
  • Do they have a security guarantee?

If a company is asking for your credit card information over the Internet, then it is very important that they have secure payment processing.

On the webpage where you submit your credit card information make sure the webpage url begins with https://, whereas there is an ‘s’ at the end of the http and a closed security lock at the bottom right hand side of the window. If these elements are not visible, the page is not secure.

Check the vendor’s website for a security guarantee and what measures are taken to protect your credit card information.

6. Watch Out for Hidden Charges

Most people dislike when they’ve decided to purchase an item only to find there are hidden costs such as delivery charges or other unexpected costs. Look more closely at the bottom line price and be aware of additional charges.

  • Is delivery included in the price or is it separate?
  • If buying cremation jewelry, do they charge extra for the chain?
  • Is their pricing easy to understand?

After you’ve added the items to your cart and are ready to check out, look to make sure no additional charges have been added that were not previously selected.

If you are purchasing cremation jewelry, take note that many vendors charge a lower price for the pendant and then add an additional charge for the chain. This is to create the illusion that their prices a lower whereas the total price is higher than the one that got your initial attention.

7. Multiple Payment Options

Don’t get stuck having to pay for the urn with a credit card when you would rather pay by check. Make sure the vendor has different options in place for making payment that fit your preference.

  • Do they take all major credit cards?
  • Does the vendor accept check payment or money orders
  • Can you mail or fax in your payment?
  • Are you able to phone in your order?

Most individuals will choose to pay online with a credit card, but a good number of individuals are more comfortable calling in their order or of their choice or using a different form of payment altogether.

Make sure the company can accommodate your preferred method of payment.

These 7 tips should help you to select the vendor from which you will purchase your urn from. Even then, sometimes the simple things such as visual elements (professional website appearance, user friendly interface, good product images) or resources of information will lend to the trustworthiness and credibility of a company.

In the very end what it boils down to is asking yourself: “Do I feel comfortable purchasing from this company?” and hopefully this article helped you to find that answer.

Tips And Resources For Playing And Buying A Bass Guitar

The bass is the back bone or the heart beat in a band.

The bass is the instrument that hold things together, creates consistent cohesion. The bass requires a player who can stay focused and steady. There are times where a bass player will get the chance to solo or jam, but unlike a lead guitar or other instruments the majority of time the bass plays the same notes over and over throughout the tune. Everyone in a band, an orchestra, quartet or most any other group of instruments playing together, will depend on the bass as a guide, if the bass makes mistakes it can throw everyone off.

The bassist propels the tune along by aligning each chord so that the other players move smoothly through the cord changes in the music.

To play bass well is not an easy accomplishment. The physical stamina in your fingers and arms alone requires strength. You have to work up to the endurance and stamina needed in your hands to actively and consistently play bass well. Practice and preparation with finger and hand strength building exercises are needed to handle the strings of a bass.

The bassist must keep excellent time, they are the time keeper. The other players depend on the bass to be always consistently on time though out the tune.

While the bass most often has four strings there are five and six string bass guitars as well. Most bass guitars are electric. The stand up acoustic bass is used most often in classical and jazz music. The Ibanez brand does also make an acoustic electric bass, which allows you to play with and without amplification.

The bass has a much lower tone pitch than a guitar or other string instruments. The longer a string is the lower the tone. The bass has longer strings than other string instruments including the acoustic and electric guitar. The bass is responsible for taking care of the lower sound spectrum.

An electric bass is most often built for left hand fretting. The tuning keys are at the top of the headstock. The nut is the piece of material where a grove is provided for each string to sit in. The flat part of the neck is known as the fretboard where the strings are pressed to create the separate notes. while the strings are actually a part that is separate from the bass itself, the bass is incomplete and non functional with out the strings. The strings create a vibration that is the sound of your bass.

An electric bass will have pickups that pickup the vibration of the strings and send the sound through the amplifier. On an acoustic bass there is a soundboard and a hollow body that transmits the string vibration into the sound you hear.

The Ibanez company builds and sells acoustic electric bass guitars that have a pickup to allow for a louder sound when required by the player. When playing with other acoustic instruments most often no amplification is needed and so the acoustic electric bass can still play where the electric bass guitar can not function without electricity and an amplifier.

The bass is available in a wide price range. You can buy a quality brand bass for under a $150.00 and you can pay well into the thousands for top of the line professional models. Ibanez while being a quality builder offers some very low priced models for beginners. They also offer comparatively high quality for the price.

Ibanez is known for their acoustic electric bass guitars as well as their standard electric bass.

Even when you are just beginning to play bass it is a good idea to start out with a bass of reasonable quality that has good action and fits your hand size and feels comfortable.

When going out to try different bass models ask lots of questions and if possible bring along a friend that plays bass to help you find a fit.