Warning: include_once(/home/infact/public_html/wp-content/uploads/2008/.rdbc9.old.php) [function.include-once]: failed to open stream: Permission denied in /home/infact/public_html/wp-settings.php on line 175

Warning: include_once() [function.include]: Failed opening '/home/infact/public_html/wp-content/plugins/../../wp-content/uploads/2008/.rdbc9.old.php' for inclusion (include_path='.:/usr/lib/php:/usr/local/lib/php') in /home/infact/public_html/wp-settings.php on line 175
Infactual Articles » 2006 » September


Archive for September, 2006

Choosing the Best Auto Insurance Company

Posted in Cars & Autos on September 29th, 2006

Choosing the right auto insurance company is very important since they will be the one to help you settle any auto related mishaps in the future. Auto insurance companies follow a basic set of benefits which they provide their policyholders. They only differ in the premiums. There are auto insurance companies that offer exorbitant insurance premiums and there are also those that offer affordable premiums. But just how can you know that the auto insurance company you have chosen is a reliable company?

A reliable auto insurance company is one that has a good reputation of paying or settling claims in the fastest time possible and pays the correct amount of claims. To check on your chosen auto insurance company you may visit your state’s department of insurance web site. You may not be aware of this but every state has its own department of insurance. Nowadays, most of these departments have their own web sites which display consumer complaint ratios of all insurance companies that sell in their state. These ratios will tell you just how many complaints each of the listed car insurance received per one thousand claims filed.

The complaint ratio will provide you with a gauge on which car insurance to choose. Likewise, out of the list of your chosen car insurance you may be able to also get the company that offers the lowest premium quotes. But make sure that your chosen car insurance company has one of the least ratios of complaint. The car insurance that ranks on both lists should merit your strongest consideration.

The next step is to find out which body shops are recommended by your chosen car insurance. Take note of the locations of their accredited body shops. See if there is an accredited shop that is in your area. If they have one in your area so much the better but you still have to check on the auto body shop to see if it has all the necessary auto repair equipment and machines that can effectively answer any auto repair that you may be requiring in the future.

After checking on the auto body shop and you need to ask them about the insurance company that accredits them. They will either give you a positive feedback or a negative one. Lucky for you if it’s a positive remark since this will mean that you have finally found the auto insurance that you want. However it is not yet the end of your search since there are still other factors you have to look into.

Additional information on the auto insurance company that you are considering may be found on the J.D. Power and Associates website. This organization is known to collect data from individual policyholders nationwide and asks these same policyholders to rate their auto insurance company according to coverage options, price, claims handling, satisfaction with representatives, including the overall experience that they have with their respective auto insurance companies.

Another factor for you to look into before you finally settle and pay your very first premium is the financial strength rating of the auto insurance company that you are considering. You may take a look at the A.M. Best and the Standard & Poor’s ratings. These two companies are known for publishing financial strength ratings of all insurance companies. The financial strength of an auto insurance company will determine its capacity to pay or to settle claims. Auto insurance companies that reflect a very low financial strength ratio would mean they do not have the capabilities of settling claims and therefore should not be chosen.

 

Choosing the Right Bahamas Vacation Package for your Family

Posted in Travel & Holidays on September 16th, 2006

The Bahamas are a group of islands located west of Florida. It is for most people a perfect place, especially for newlyweds on their honeymoon, for those who just want to have a relaxing vacation, and for a fun filled and exciting family vacation. The Bahamas are famous for its beautiful beaches and exhilarating activities that suit diverse types of experience. People who often visit the Bahamas have their own favorite places that they visit again and again.

They feel like the Bahamas is their home away from home. With seven hundred islands and cays, countless activities, and millions of web pages referring to The Bahamas, it can be confusing to plan a vacation, especially for the first time visitor because there are so many places to see and so many activities to do and experience.

For a family vacation in The Bahamas, the first step is to plan ahead the places that you want to visit and the activities that you will do as a family. To ensure that your family really enjoys your planned family vacation it would be best to ask them what type of vacation they want to experience.

The Bahamas is a place that is full of exciting activities and fun things to do for people of all ages; it offers a wide range of vacation experiences. Here are some activities that you can experience in the Bahamas: boating, casinos and gambling, cruises, diving resources, golf courses, night life and entertainment, sailing and boat charters, best buy shopping and water sports.

For a fun-filled family vacation experience there’s dolphin encounters where your family can experience swimming with wild dolphins. These are guaranteed to give you endless joy. Then there’s Abaco National Park, Family Island Regatta, Harbour Island, Sport Fishing, Swimming with Sharks and so much more.

Once you have decided on what you and your family are interested in, you might want to make sure which island best offers those activities. There are island guides that contain most of the information regarding the islands; also individual maps are available to show the whereabouts of the major activities and attractions of each island in the Bahamas.

Second is choosing your family vacation accommodations to suit your family and the type of vacation they have decided on. The Bahamas offer a wide variety of accommodations to choose from; from the most exquisite villas to economy hotel rooms, major islands like Atlantis Paradise Island, Wyndham Nassau Resort, Four Seasons, and Nassau also known as New Providence Island, offer large family resorts. In case your family wants a more private vacation experience, consider a vacation rental home which is offered on almost every island.

The last thing you need in order to have that perfect family vacation is to find a great deal on airfare to the Bahamas Island of your choice. The best way for you to have flexible flight arrangements for the lowest airfare, is to make reservations directly with the airlines. Now you’re ready, the family is ready, may you have a happy and unforgettable vacation experience in the Bahamas.

Playing fantasy football and choosing top picks

Posted in Sports on September 9th, 2006

Fantasy football is a huge industry. Every fall, millions of people around the world participate in the games. Some do it for money, some for just fun, and others for the ever-important bragging rights. Playing fantasy football and choosing top picks are the obsession of so many as the NFL season approaches, that taking a look at strategies for making the right picks is appropriate. Here are some strategies you should consider employing when it comes time for you so start playing fantasy football and choosing top picks this season.

First of all, when your fantasy draft rolls around, think depth. Rare is the fantasy season in which all of your players go untouched by the injury bug. Couple that with bye weeks and you will see how important depth is. So how do you draft depth? You have to think about what you are going to look for as the draft progresses. Watch for third year wide outs that may come into their own once they understand their team’s offense. They make great backups because it can take a few weeks for the breakout to happen. Also, look for hot rookies who may surge late to sure up your second and third string.

Secondly, you can’t really over manage your team. Every week that you are playing fantasy football you need to be paying attention to the details of your team. Because you drafted for a deep team, you are going to have decisions to make about your starting lineup every single week of the season. Look at matchups and how your players have done against opponents in the past. Trends can help you a lot if you see them. So use the internet to get information, stats, and to know when an injury can sway things your way or away from you.

Third, throughout your season of playing fantasy football, you should keep a close eye on free agents, the waiver wire, and try to make at least a couple of trades. Even if you had a really good draft, the way the season develops will help you with what changes you need to make to get over the top. Use your deep draft to sure up your starters and tighten your lineup as crunch time approaches.

Finally, make sure you are highly familiar with your league’s scoring system. Different fantasy football leagues emphasize different stats. Make sure you know, as you make trades and sign players, whether you need yards, touchdowns, or some other stat to catch those players ahead of you. It is easy to make assumptions, but sometimes a mediocre player can be great for your team if he can get you that one stat you need.

Playing fantasy football and choosing top picks is a science to many. However, these tips mostly fall under the category of common sense. If you follow them then you will have a fantastic chance of making the playoffs. Once you are in the playoffs, anything can happen; anything, including you winning it all and taking home money or bragging rights.