How to Find Affordable Automobile Insurance in Arizona

Finding affordable automobile insurance for your Arizona vehicle may not be a difficult as you think. Shop around on the Internet for alternative quotes from various companies.

There are discounts and savings that you may not be aware of as follows:

1. Multi-Line Discount: Insurance companies offer discounts to policyholders that have more than one line of insurance coverage with them. Seek insurance quotes from the insurance company that is currently writing your homeowner or renter’s insurance policy. Be sure to make them aware that you have other lines of coverage placed with them, especially if you’re seeking quotes over the internet.

2. Non-smokers: Non-smokers are a more favorable risk to insurance companies than non-smokers. Now would be a good time to kick the habit for both your health and your pocket.

3. Vehicle Safety Features: Newer vehicles come equipped with airbags and automatic seatbelts. These features and others like anti lock brakes will server to lower your auto premiums.

4. Higher Deductibles: How much can you afford to pay out of pocket in the event of a collision or comprehensive loss? If you can afford to pay the first $500 or even $1,000, you will earn a premium discount for the higher deductible. Get alternative quotes with various deductibles. Make sure the premium savings is worth the extra out of pocket expense. Remember, the deductible applies to each loss, not just the first one.

5. Accident Free: How is your driving record? If you have a clean driving record without accident or points, ask your insurance company for a clean driver discount. Companies may call it by different names, but make sure you specifically ask the question how much is my clean driving record saving me?

6. Multiple Auto: Insuring two vehicles with one insurance company is cheaper than two separate policies. If you have more than one vehicle, it only makes sense to cover them under the same policy.

Fashion Jewelry Facts and Care Tips

Why we love fashion jewelry?

Fashion jewelry, also referred to as costume jewelry, is a fun and inexpensive way to express your individual style. Its low cost composition means that it is easy to get your moneys worth of use out of it and allows for a much greater variety of bolder, attention grabbing styles and colors that can be mixed and matched according to your mood or wardrobe.

Caring for your fashion jewelry

Although fashion jewelry doesn’t require much of an investment, it is still important to get the most bang for your buck by taking proper care of your costume jewelry by following a few simple steps:

- NEVER allow fashion jewelry to come in contact with oils, soaps, perfumes, or any harsh chemicals which can fade or even ruin the item.

- ALWAYS remove jewelry before sports, swimming, exercising, washing hands, showering, cleaning, doing laundry, or applying lotions or creams.

- NEVER store jewelry wet. Always dry with a soft cloth before storing.

- When cleaning, be gentle! Use a soft toothbrush and jewelry cleaner that specifically states that it is safe for costume jewelry. Make sure it does not contain acid, alcohol, or ammonia. Only use jewelry cleaner as directed. DO NOT over scrub.

- Store jewelry in a plastic ziploc bag or soft jewelry pouch away from other objects and jewelry items to avoid scratching.

- Store jewelry in a clean, dry, cool, not cold place away from heat and dust.

- Use a jewelry cloth for buffing.

- Regularly check for loose stones.

Fashion jewelry typically consists of three elements:

1. A base alloy such as brass, nickel, aluminum, tin or a combination of metals that has been altered to resemble more precious metals such as silver, gold, or platinum. This is achieved by a variety of methods including:

· tone: Have you ever heard of fashion jewelry that is referred to as silver or gold tone? This means just what the name implies. Tone refers to the color of the metal only. Gold and silver tone jewelry are silver and gold in color but contain no actual gold or silver.

· electroplating: This is probably the most common method. In this process an electric current is used to deposit a thin layer, as little as 2 micro inches (a micro inch is one millionth of an inch) onto the base alloy metal which is immersed in a salt bath solution of the precious metal that will be used to plate the object.

· layering: This method also utilizes the process of electroplating. However, the plated object is immersed for a longer period of time allowing for a much thicker layer of precious metal to be deposited. Layered gold or silver consists of approximately 20-50 micro inches of gold or silver. Although it doesn’t sound like much. This thicker layer results in a much more durable, longer lasting jewelry piece.

· overlay: This method utilizes heat rather than electricity to combine the base metal with the precious metal to form a new alloy. This creates a permanent bond between the metals which creates jewelry that can be as durable and long lasting as the real thing with proper care. Gold overlay jewelry is also sometimes referred to as gold filled. It is generally safer for sensitive skin than costume jewelry made by other methods.

· Technibond: This is considered to be one of the most desirable methods of gold plating because it uses a full 40 micro inches of 14kt gold over .925 sterling silver rather than a typical base alloy. It is the best of both worlds.

· vermeil: This is the top of the line in gold plating. This method uses as much as 100 micro inches of gold over .925 sterling silver and as you can expect is also a bit pricier. It may be worth it for someone looking for something closer to the real thing without paying the exorbitant price for solid gold.

2. Man made stones such as cubic zirconia, crystals, rhinestone, glass, or epoxy are the second component of most fashion jewelry The most popular of which is cubic zirconia because of its physical characteristics. It is used to create simulated versions of precious gemstones such as diamonds, rubies, sapphires, and emeralds. Its sparkly appeal and inexpensive price tag allow for much larger, more glitzy fashion pieces that instantly attract attention. Colored glass can also be used to simulate precious stones and faux pearls. Rhinestone and crystal jewelry is also popular because of its glitzy appeal and color choices. Epoxy and acrylic are plastics that is often used to make inexpensive bead jewelry.

Although typical fashion jewelry consists of man made stones sometimes natural crystals and semiprecious stones such as pearls, topaz, black opal, amethyst, or peridot is used to provide a more fine jewelry appeal.

3. Fashion jewelry may also consist of unusual materials such as wood, stone, and shell which can be either natural or colored.

Care And Maintenance Of The Human Hard Drive

The human brain is very much like a hard drive. If you stop to think of it, they are both filled with billions of tiny bits of information, stored in the memory cells just waiting to be accessed. They both use electrical energy to find those bits and put them together to recreate something that we have placed there. They work on demand, and we expect them to instantly give us what we want.

And frankly, many people abuse both their hard drives and their brains! They fill them up with information and expect them to perform at top efficiency without the benefit of good maintenance. There are some basic support tasks that are essential to the well being of both. If you do not take proper care of both of them, they will fail you.

Both brains and hard drives need to be de-fragged on a regular basis! De-fragment means that you allow the machine (brain or hard drive) to rearrange the information that has been stored in it, so that it can find what you need more quickly and efficiently. When bits of information get stored all over the place, with no logical order to it, then it takes a lot longer for the machine to find and reassemble what you need quickly.

Probably, you have your hard drive set up to de-frag itself on a regular basis. It is done automatically, maybe while you sleep. Well, your brain does not have a task-scheduler to take care of this for you! It is busy 24 hours a day, 7 days a week and 365 days a year. It can not reset itself while you sleep. That is because it is still working on the things that your subconscious is trying to sort out. It is dreaming and remembering and stressing all the while.

So how do you de-frag your brain? Well, it takes three things: rest, relaxation and meditation. If you are a type A personality, then these three things may be altogether foreign territory for you! You may be in a high-stress job, or always be taking care of others but never yourself, or you may somehow think that taking care of yourself first is something that you do not deserve. Wrong! If you do not take care of this, it will force the issue. You may get sick, depressed or worse.

Meditation is an excellent way of maintaining your brain. It forces you to sit, relax and do "nothing" for a bit. You clear your poor brain of the clutter and the chatter and just let it run free. You do not have to do anything special, really, to meditate; you just find something that transports you! Music works for a lot of people. You can dance if it helps you, or do some drumming. You could get a good meditation tape or CD and listen to that. You could even sign up for a Tai Chi course, or try some yoga. Whatever you decide to do, do it regularly. At least once a week is necessary for the proper de-fragging of the average hard drive and the average brain.

At the very least you should be setting aside some time every week to just do something relaxing. Take a long bubble bath with some candles lit and some soothing music playing. Go sit outside in nature. The trick here is to just DO it, to take the time for yourself no matter what. See that you deserve it and that it is just as important as going to a doctor when you are sick. In fact, it can help keep those doctor visits to a minimum!

And while you are at it, consider getting a good anti-virus too. Your hard drive needs it to protect your information, and your body needs it to keep healthy. Anti-virus for the body means taking better care of you. Eat something healthy, go out and take a walk, and get more sleep! You can find the time to do this if you make it a priority.

If you take care of your hard drive, both the computer type and the body type, your life will improve significantly. Both will run smoothly and have a lot less crashes!

Family Vacation Ideas – Family Fun at the Grand Canyon

Are you looking for some family vacation ideas? Consider a trip to the Grand Canyon for your next family vacation. There are no words that fully describe it and pictures can not capture the incredible beauty of this 277-mile long, one-mile deep wonder. The Grand Canyon is located approximately two and a half hours north of Phoenix, in Northern Arizona. July is the warmest month for the Grand Canyon, but because of the higher elevation, the average highs are only 84 degrees, while the lows dip down to around 50. Compare this to Phoenix where the average high this time of year is 104 degrees.

There is lodging at the Grand Canyon, but space is limited and generally more expensive than nearby hotels. Williams, Arizona is about 30 miles south of the Grand Canyon, and is a great little town to stay in while exploring the area. It offers a wide range of accommodations and restaurants, beautiful Ponderosa pine trees, clear, crisp air, and a variety of outdoor activities.

The Grand Canyon Railway leaves from Williams and offers several classes of vintage train service to the Grand Canyon. This is a great way to get from Williams to the Grand Canyon, and journeying to the canyon by rail offers a fun and unique travel experience for your family. Along the way, enjoy 65 miles of Grand Canyon Country views and Old West entertainment.

The most popular tour of the Grand Canyon is by car and bus around the South Rim. It is open year-round and features easily accessible trails and outlooks. It also has shops, hotels, and several restaurants. In addition to viewing the stunning scenery, visitors can hike, camp, take mule rides, or go on a rafting trip. For those hiking to the canyon floor, be aware that temperatures in July and August can be substantially higher than those at the rim.

Whether you visit the South Rim, West Rim, North Rim, or some other part of the canyon, it will certainly be a memorable trip for your entire family. Even if you have seen hundreds of photos in the past, there is no way to really appreciate the beauty of this area until you actually visit it. The Grand Canyon is truly magnificent. Have a safe and wonderful trip!