The average price for gap auto insurance sold by an auto dealership or finance company is $578.

Q. So why would anybody in their right mind pay $500 more they should?

A. They dont know any better.

Imagine youre in a car dealership and youve just purchased a brand new car. Youre sitting there with a self satisfied smile on your face that lets everybody in the showroom know you just brought the salesman to his knees with your finely honed negotiating skills.

Next you go see the finance person to arrange a loan. This is where youre casually informed that if you wreck your beautiful new car during the next year or two youre going to have fork over maybe five grand because the car will be worth that much less than what you still owe the bank.

Lucky for you the finance guy has a tailored made solution to the problem. For a measly $578 one time fee you can purchase a gap policy that protects you from a potential shortfall, up to $5,000, if you owe the bank more than the car is worth when that bus hits you.

Of course youre going to say “sure, go ahead” because youre afraid of losing your shirt and, by the way, did I tell you the premium could be rolled right into the loan?

On one hand, youre relieved to know the value your asset is protected, but on the other hand youre asking yourself why it had to cost so much.

Well, it doesnt. But who knew that there was even such a thing as gap insurance much less how much its supposed to cost. The problem is not with you, but with the major insurance companies and their brokers.

The reason you dont hear anything about gap from your insurance agent is that it isnt exactly a big money maker. With an average gap endorsement costing around $35 a year, there isnt a lot of profit incentive to buy 30 second spots on American Idol.

Besides the price, theres another difference between the gap insurance sold by a car dealer and the policy rider sold by a name brand gap insurance provider. When you buy gap from a major insurer you can cancel the rider as soon as the loan balance and value of your car reach parity usually within the first two years of ownership.

With dealership gap insurance, the coverage is spread out over 60 months and cannot be canceled for a refund whether you need it or not.

Podcasting: Everyone is talking about it. But what exactly is it, and how does it work? Simply defined, podcasting is the dissemination of syndicated files, either audio or video in content, over the Web for use on handheld audio/video equipment and computers. The term itself is a combination of two words, “iPod” and “broadcasting.” The word refers to both the file that’s downloaded and the technology to transfer it. Keep in mind that an iPod is not necessary for accessing podcasts. A podcast is also known as an audio subscription service. Listeners can subscribe to and download as many podcasts as they want. As a new method of downloading and transferring information, podcasting is revolutionizing the way we communicate. Podcasts differ from streaming video and audio. Podcasts are usually a continuous series of programs, with many episodes featured in serial format. Podcast subscribers can listen to the content on MP3 players or computers whenever they want. Unlike streaming video, no Internet connection is necessary to review the content of a podcast. But, due to their nature as stored files, podcasts can never be experienced live, in real time – again, unlike streaming video.

Podcasters, or people who create podcasts, have Web sites where their content is available for downloading. Can any old Joe start his own podcast? For better or worse, the answer is yes. All a would-be podcaster has to do is put his files on a web server thats accessible to the public. The file should have an internet address (URI). Podcast files can be any kind of files, from a PDF to a text file. The files can contain audio or video content. The would-be podcaster begins to create a series of files, creating a feed or list of URIs, so the entries in the series can be easily found and downloaded. Each entry is usually accompanied by a date, a title and some kind of content overview. The podcaster links the file to an identifiable place on the web server. This place is usually permanent, and its called the feed URI.

The popularity of these informational feeds has grown astronomically since 2004, when podcasting first became popular among bloggers and software developers. Podcasts cover all sorts of subjects, from technology to politics, to art and literature. Apple made podcasting part of its iTunes package in 2005, and last year, Sony Entertainment released a statement saying that its Play station Portable would be compatible with podcasts.

Now, podcasting has become a part of conventional media. The technology is being used by news stations and newspapers around the world, including The New York Times, The San Francisco Chronicle, the BBC, ABC in Australia, and Sirius satellite radio. The popularity of podcasting is expected to continue to grow, as print media becomes a less vital part of day-to-day communication. Check out New Technology TV for more information.

Roughly, about 6% of the world’s population is vegetarian, a trend that is growing. Yet study after study shows that vegetarians are less healthy than their non-vegetarians peers. Why is this so? Surely a diet with plenty of fruit and vegetables should make you healthier, not less healthy, so what’s going on?

In the light of extraordinary new research it is becoming apparent that most vegetarians are in fact less healthy than their non-vegetarian peers. By “peers” I mean people of a similar socio-economic and cultural background. Any valid comparison between vegetarians and non-vegetarians must compare apples with apples. For example, any study that compared an affluent health-conscious vegetarian from California with an impoverished meat eater from the slums of Calcutta is not likely to be meaningful.

Recent studies are clearly showing that compared to their non-vegetarians peers, vegetarians are more at risk of diseases such as infertility, cancer, heart disease, eating disorders, mental disease, and obesity.

Several studies have compared health-conscious vegetarians with health-conscious non-vegetarians from the same demographic (the same socio-economic, health-conscious cohort). In other words, scientists have compared vegetarians and non-vegetarians from similar backgrounds so as to validate the results and they have come up with some surprising conclusions.

For example, in a study of 76,000 people conducted over many years data from five studies were pooled into a very large collaborative analysis of mortality in vegetarians and non-vegetarians (Appleby PN, Key TJ, Thorogood M, Burr ML, Mann J. Mortality in British vegetarians. Public Health Nutr. 2002 Feb;5(1):29-36).

The Appleby Study compared vegetarians and non-vegetarians, adjusted for age, sex and smoking. The results for all-cause mortality showed no significant difference between vegetarians and their non-vegetarian peers. Many studies have shown that vegetarians live longer than the population at large, but the Appleby Study showed that this is not the case when you compare people within the same demographic. The study concluded that ‘Overall mortality was the same between vegetarians and non-vegetarians. But vegetarians had 2.2 times the death rate from mental and neurological diseases as non-vegetarians.’

Several studies have compared vegetarians and non-vegetarians within the same demographic and the research is clearly showing that vegetarians are at greater risk of heart disease, cancer, infertility and other diseases. As most studies have compared vegetarians with the population at large, this is not widely known; such studies provide a false picture because the population at large is not particularly health-conscious.

This begs the question: does this mean that eating animal products is good for health? The research on the whole says NO. So if vegetarians are less healthy than their non-vegetarian peers, what is the reason? Why is it that vegetarians are less healthy than their non-vegetarians peers in the same demographic? This is the vegetarian paradox.

Today’s technical innovations, found in your favorite wholesale electronics shop, is giving exposure to new possibilities in a surging and affordable way that we have never witnessed to this extent. Merely look at the newest gadgets advertised by your favorite wholesale electronics store and this will be obvious. Quick access to music, video, and travel information is laying the groundwork for what will be a technological revolution. Some think the renaissance has already subsided; however, the revolution is just getting started.

The devices that you see at your neighborhood electronic wholesaler(s) are more than mere toys; they are not just items of entertainment. Instead of being the end in themselves, the gadgets will be utilities with which giant advances in modern learning should be achieved. How can this be? In some ways, this is analogous to the creation and proliferation of the personal PC. At first, the home PC only supported light entertainment and rudimentary financial software. Very quickly though, the personal computer became the lifeblood of the home, with a plethora of educational and mail and messaging software available.

In the current electronics arena, one of the low hanging first steps to be taken is in music exposure. For the first time in the history of man has so much music been made available to so many people. Understandably, the initial inclination is to decide to listen to music that one has listened to all his life. Consider the possibilities though. This could be an opportunity to teach and expose people to all music styles – not just modern pop charts, but classical, jazz, ethnic, and other genres. Having a better grasp of the history of music will add more richness to the development of new music in the future. Kids now have an opportunity to become easily well versed in the music of Bach and Beethoven, for example; they have the tools available to learn and leverage the music from the masters in ways that earlier music buffs could never do.

Check out the latest offerings in wholesale electronics. At your favorite electronic wholesaler(s), the products that use mp3 and other music formats are cheaper than ever before. The gadget, naturally, does not have to be just for music enjoyment. Classroom presentations, discussions, dissertations – all that and more can be stored and played back on a portable, affordable gadget. Leverage the possibilities

We live today in a very complex and difficult economic conditions, job security and corporate security are almost nonexistent. The way business functions have undergone a radical change. Competition has become so strong and intense that companies are willing to retain their existing customers and their current market share rather than move on to the next level.

Survival is at the top of the agenda of all these companies and therefore, is always looking for ways and means to reduce costs. Selling and marketing are an important part of any business expenses and therefore, coming out with new and more cost effective is always top of mind for many companies.

A technology that saves a lot of money is auto dialer software. In times of recession and reduced customer demand, the most important thing is to have the ability to focus on the customer profile type who is interested in purchasing a product or service. No time or resources available to make dozens of calls before finishing with a potential customer. The whole concept of cold calling on the phone has undergone a sea change with the advent of automated dialing software.

The concept on which auto dialer software is built on the assumption that sales and businesses in difficult economic situation has to move fast. The prospects are very hard to get and as an entrepreneur if you are late you’re likely to lose perspective that is sure to be poached by competitors.

The concept of automated dialing software makes sales or telesales telemarketing is not only profitable, but also fun. In a normal situation of a telemarketing team have been around 50-60 calls in a shift of 8 hours. The same seller on the phone with the help of automated dialing software will be easily able to make more than 150 calls. This not only increases the chances of sales by almost 100 %, but will also be a big boost to the morale of the telemarketer.

Another advantage of the auto dialer software is the ease with which it can be installed and used. It requires no software download cool because everything comes in a ready to use format. Most of the auto dialer software is very affordable costs as low as $ 2.25 a day.

In such a situation, when cost is a major constraint, this software is really a blessing from God and helps people to sell more to more people. Reduces dropped calls and increases productivity telemarketing staff apart from increasing their levels of motivation.

For more information about how Cloud based Auto Dialer, Hosted Predictive Dialer, Call Center Software, Hosted IVR and Hosted IVR may work for your small business, visit the LeadsRain.com.

The new BSc healthcare management degree from the University of Southamptons Faculty of Health Sciences is called the BSc in healthcare: management and policy research.

It is an innovative and pioneering course, which has been developed in response to a need for more highly skilled managers and researchers.

This healthcare management degree programme lasts four years and includes a one year practice placement, which will give you the confidence and competence you need to make a successful start to your career.

The curriculum places special emphasis on developing your ability to identify, investigate, understand and solve problems in healthcare delivery and design.

It also prepares you for a wide range of employment opportunities by emphasising quantitative skills and independent critical thinking.

As a student on this BSc Healthcare management degree, you will be based at our Centre for Innovation and Leadership, where you will be part of a vibrant community of academics, as well as PhD and masters students.

Each year of study on this BSc healthcare management degree is composed of three central components.

Firstly, the core concepts component gives you an understanding of the issues central to healthcare systems, management and policy.

Secondly, the methods component develops your understanding of quantitative and qualitative methods, as well as the crucial social scientific disciplines, which underpin that knowledge.

Thirdly, the mentored independent study component is where you will undertake research with the support and guidance of senior researchers and professors.

Throughout this healthcare management degree programme you will be assessed through essays, article reviews, group projects, presentations, exams, research reports, portfolios, short answer papers and multiple choice papers.

All this is supported by a comprehensive feedback system, which provides a combination of individual and generic feedback designed to help you understand your performance, and also learn how to improve.

To discover more about this new healthcare management degree, all you have to do is visit the Health Sciences website at www.southampton.ac.uk/healthsciences

When you set out to change the decor of a health care facility, you may not know what it entails. You want products that are affordable yet professional, stylish but appropriate, durable and easy to install. At Cube Care, they know the difficulties involved and have the products you need. From cubicle curtains to curtain tracks, Cube Care has the most innovative products in the industry. Their business centers provide first class solutions that directly meet the needs and budget of modern healthcare facilities.

As a provider of elite interior decorating services to healthcare facilities across North America since 1999, Cube Care’s expertise has helped streamline every process from planning through to the installation of their health care decor products. In a culture of asking “what if” they have been driven to reinvent what they have to offer to their clients, while ensuring the highest calibre of services and top quality at low prices.

Cube Care offers health care facilities products such as bed spreads, cart covers, cubicle curtains, disposable cubicle curtains, health care furniture, IV systems, shower curtains and rods, window treatments and cubicle curtain tracks. The cubicle curtains and tracks are a main product from Cube Care due to their high quality and the variety of tracks available to customers.

Consider Cube Care’s Classic curtain track system, one of the most popular products in Cube Care’s catalogue. This leading system is known for its tangle free carriers, which glide effortlessly through the tracks without any moving parts. Therefore, these stylish curtain tracks not only provide your facility with extended lifetime usage, but also a high standard of performance.

For use in mental health facilities, Cube Care offers their Psychiatric Track. This enhanced safety product is manufactured without the use of any hooks or pins for premium levels of safety in the administration of first-class quality mental health care.

Along with the abundance of tracking systems offered by Cube Care, there are also accessories for the tracks available. If you are in search of items such as an Economy Carrier, Wheel Carrier, Deluxe Spool Carrier, Pop-Out Carrier, Splices, End Caps, Pull Outs, and Tie backs for tracks, Cube Care has your bases covered.

Cube Care has gained their reputable image by creating products that turn stale facilities into state-of-the art health centers of top quality patient care. Speak to one of their experts today and see how much your company has to gain by selecting from their first-class product catalogue. Cube Care’s commitment to customer satisfaction ensures that clients receive the highest quality and most stylish product at an affordable price. For more information about Cube Care products, visit cubecare.

Tim Evans immediately noticed an increase in business after embracing the idea of marketing. The biggest result is that were still in business, says Tim. A lot of shops cant say that.

Evans Tire and Automotive Center is located in a highly competitive area in Smithfield, North Carolina. Like many other shops, sales began to slip. Tim knew he needed to do something to keep his repair shop open. Tim explains, Marketing really became a priority for us and its gone over well with the community. Now were known in our area for doing a lot of unique things with our marketing strategies.

Overview
As with many auto mechanics, repairing cars has always been in Tim’s blood. He was raised with a father that was a mechanic and owned his own shop since 1972. Tim jumped on board in 1980 and then later took it over from his father. His shop currently has a 13 to 15 bay capacity.

Serving the Smithfield community for more than 30 years, this shop offers a full line of tire services and auto repair for all makes and models and also sells competitively priced tires. Tim’s shop is an American Car Care Center where customers can benefit from warranties on automotive work, flat repairs and road hazards.

Challenges
Tim was faced with the challenge of keeping his auto shop open in a highly competitive area. As other shops were closing down he connected with Ron and learned how to attract and maintain the right type of customer.

Tim needed to find customers that would require repeat business. He had to learn how to market to these potential clients to first of all keep his shop open and then secondly to expand it.

Goals
Differentiate the shop from the competition.
Decrease overhead.
Increase capital, cash flow and net profits.
Implement streamlined operational systems.

Methods
By examining buying habits and the overall financial trend of the community, Tim was able to identify his desired customer and then develop a number of strategies that would successfully reach them. Its not about having one strategy that works really well, says Tim. Its about having 100 different strategies that all work a little bit.

Tim also utilized the methods that he learned from networking with other shop owners in Ron Ipachs Elite Mastermind groups. He explains, You can learn so much from your peers. All of these people in the group bring different experiences to the table. And you can get input on your particular challenge from numerous different people its been invaluable to me.

Conclusion
I wonder if we would even be here if we had not started marketing, says Tim. Marketing is a necessary evil; youve got to be in contact with your clients. Its very competitive out there, complexity of the world as a whole; youve got to market!

Auto loan Finance is often required when buying a vehicle. But why, in purchasing vehicle, lenders would look into your credit history?

Creditors do it to judge your credit worthiness and your risk level by looking at your credit report. They look for your grades, which has to be in place if you want decent interest rates. The reason for hiked interest rates or no loan is bad scores.

This rundown will explain to you the actions that must be followed by an individual before applying for auto loan.

Good credit to debit ratio: An individual can have better interest rates with good score, which is due to the maintenance of good debt to credit ratio. Your debt to credit ratio often depict your worthiness and creditors bank on the one whom they consider reliable and offer them loan.

Review credit file: Free annual credit reports can be acquired from the three credit agencies – Equifax, TransUnion and Experian. Credit checks more often are desirous as it makes an individual aware about his or her history and scores. You should make purchase for loans when you have good scores. Also, for many who are unaware that grades sway with every update by the lenders and creditors to agencies reflect changes in the file. So, monitor to check any flaw or wrong update as it can bring down the score.

Maintain good grade: Instability in scores is hindrance in fetching an auto loan at good rates. With routine credit check you can discover the ways which can boost the score.

Do not close card: Credit score suffers by closing a card with no balance. This way you will increase the debt to credit limit ratio and hence it would badly affect the grades. Another, desirous words for credit score in general are not closing your oldest card, as this way you cut the length of your credit history. You can add barrier in your of getting loan by opening new cards, as this signifies your urge of paying bills using new card.

Avail of your free credit report from the three credit agencies. You should carefully go through the file having all details about your payment history, before applying for auto loan. Look for any persisting discrepancy in your file, as it ruins the grade. Besides, you should also make up your mind before applying for the loan, as credit check by the lender will be considered as hard enquiry bringing down the score.

Kate always be a fashion forerunner for many fashion lovers , we follow her fashion , a lifestyle fashion with less money but fascinating looking . in her fashion concept . fashion has nothing to do with luxuryhogan 2012, with the vast spending of money . be comfortable ,that is alright .

For more news related with Kate’s fashion and fashion concept , we can log on thehogan ufficiale outletFashion’s royal affair with Kate just keeps burning brighter.

Ever since Catherine, Duchess of Cambridge, wasscarpe hogan outletcrowned a member of the British royal family last year, she has captivated style watchers around the world who covet her understated and always wholly appropriate look.

Last week she topped Vanity Fair’s international best dressed list and is set to grace the cover of the magazine’s September issue.

Then there are the London Olympics, which have given the fashion media reason to rejoice as they track the duchess’s outfits day by day.

Whether stepping out in a new blue Stella McCartney shift or recycling a dove grey Roksanda Ilincic dress at a recent glitzy London gala, Kate’s latest looks always cause a minor frenzy for those who follow her choices label by label, accessory by accessory, scrutinizing the details down to whether it’s the first time she’s worn the outfit, or the fifth.

Those in the fashion industry call it the “Kate Effect.” So influential are her fashion choices that what she wears can dictate trends and what sells out on the floor of retailers.

“She’s now become the iconic woman of style,” says Barbara Atkin, Holt Renfrew’s vice-president of fashion direction.

“She’s very consistent about who she is, which is probably the most infectious thing about Kate. The fact that yes, she might be royalty, but she’s very inclusive of the people around her and I think that’s the most wonderful aspect of who she is and why she so represents a strong woman of the 21st century.”

Man is the most powerful animal on this earth today he is so powerful that he can destroy this planet 10 times over. And he is the weakest being in the natures creation as well in terms of survival. Yet he dominates this planet with one tool intelligence.

This tool has been carried from individual to individual from generation to generation in the form of education. The meaning of this word has gone through and is going through numerous mutations according to the need of mankind.

Right from the Stone Age when learning to find better food, make better tools and kill better was education through the Industrialization Era when learning to make new machines, device new inventions and finding new and profitable markets to this Neo Liberalism Era when learning to communicate better and lead better, the one goal of education has been to move towards better comfort zones of living.

This digital era has opened up a whole new dimension of possibilities with no bounds to our learning ability. Till the 19th century the memory or the ability to gain access to information determined the intelligence. Now we have access to information as never before and memory has taken a back bench position to creativity. In implication if you have the right creativity then your achievements can become infinite. This has been made possible through computers, the pinnacle of technology.

With the vast storage and momentary retrieval abilities, computers have flattened the platform of access to information, removing the differences in the memory capacity of individuals. The invention of digital computing and recording tools had raised the human intelligence to the next level. With the assistance of artificial intelligence the views on education changed drastically.

Right from the question whether students can use digital calculators in exams to the reliability of online tests, there is only one real concern in the background Is the artificial intelligence dominating the human creativity? The classical education focused more on memory than creativity while as mentioned earlier the digitized education is focused on creativity, so technically this renders the above concern meaningless. The reforms in digital education have a single aim of enhancing human ability immaterial of personal shortcomings.

The success of a teacher in assisting a student rests in kindling his or her learning interest thereby increasing their knowledge. Digitized education tools are visual based so this increases the knowledge curiosity and widens the scope of knowledge. Our futuristic views on education are well defined.

The need to enhance our lives and increase our well being is now totally dependent on the education methods that we use. The world is being digitized in all fonts. This implies that education will be digitized as well. This new wave of change will take us one step ahead.

Modern-day science and technology are inevitable in their thrust in growth in this generation. All of us is dependent on the amazing advantages of these advancement.

Depending means dependency on the remarkable job of modern technology. It is really important to keep ourselves up to date with the most recent technology news.

The value of being up-to-date with the technology news may end up to become extremely very helpful for you. With the intention to stay focused with the current progress, you must have some of the most reliable and trustworthy technology news channels. Make sure that you’re supplied with the sensible and appropriate news.

One of the most well-known and commonly used information sources include TV shows, tech magazines and the internet. Many websites as well as news centers have been doing their role in keeping their readers and audience updated.

Technology news is for everybody. Plenty of websites are doing this phenomenal job in the most simplified and reader-friendly way. An ideal technology-related site has all updates so that even a newbie can understand.

The other important technology source to get you up-to-date is through several Television programs. There are some shows that showcase the most recent and upcoming gadgets plus a lot more. And yet, the main concern with this source of information is you will be updated only while the TV program goes on air.

This would mean that you will have to make yourself ready on their time schedule. Nonetheless, you may record the programs if you don’t have enough time to view them while they’re broadcasted. You can watch them during your most convenient time to make sure you know the most recent technology news.

Also, you can find a lot of important info from different subscriptions to many appropriate technology publications. The one downside to this is that you will be up to date only once every month. Considering the quickest and full-bodied means technology is beginning to change in the present times. You may be missing many vital information, or perhaps you’ll be getting well-informed a lot later when compared to others around you.

Generally, magazines are a really suitable means to own around you. However, they should not be your main source of information. One of the most frequently used supply of information for fresh and upcoming technology news is the internet.

You can avail useful information and see all the updates right away as they are posted.