Internet Service Providers : Overview of DSL Internet Service

OVERVIEW
DSL Internet Service, or (Digital Subscriber Line Internet Service) is usually available in metropolitan areas. These broadband providers are generally phone companies since DSL uses phone lines to provide service. Although DSL broadband uses phone lines, it does not interfere with regular phone service. You can browse at high speeds while still talking on the phone.

PERFORMANCE
Download speeds are typically 768 Kbps to 2000 Kbps (Kilobytes per second) or about 15 to 40 times faster than a 56K internet service. Typical DSL broadband service is Asynchronous (ADSL) since upload speeds are usually throttled back by the provider to prevent customers from running high load servers on their lines. Upload speeds are generally 128 - 384 Kbps. With DSL service you must "logon" each time you use it, but no dial up is required.

INSTALLATION
DSL broadband service can be installed using existing phone lines, but the broadband provider's technician will often install a new line for the DSL Service since many houses have older phone line wiring that is incompatible with the DSL service. Your DSL provider's equipment connects to your phone or DSL jack and to your computer using an Ethernet or USB cable. Most newer computers can accommodate these types of connections, but if yours cannot the technician can usually supply and install an ethernet card into your computer. If your DSL service uses existing phone lines, the technician may install a small electronic filter on the lines connecting to your regular phones in order to prevent interference between the DSL service and your regular phone service.

COST
Generally $35.00 to $50.00 per month. Many companies offer introductory discount lasting 3 to 6 months. Some companies will ask you to buy a the equipment (DSL broadband equipment and ethernet card, if necessary). Some will ask you to rent it. Some will simply give it to you (returned to them if you cancel). Some DSL companies offer to buy back the equipment if you cancel - some do not. Confused yet? Be sure to ask the broadband provider when you call or read the fine print when applying online.

Many companies are now offering a "Lite" DSL Service in the $25.00- $35.00 range. It is slower than regular DSL Broadband Service but fast enough for many, if not most, consumers.

TIPS
DSL performance is dependent on your physical distance from the Broadband Provider. If your home is on the edge of the the serviceable area, performance may be poor or reduced. Be sure to fully test your service before the broadband provider's technician leaves.

Be sure to evaluate all options before choosing an High Speed Internet Service Broadband Provider.

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Moving? It Does Not Have To Be A Nightmare

Moving to another home or another city, can be a colossal task, requiring good organization and planning. Let's face it, moving stinks. Often, however, the choice whether to move or not is not ours to make, and job changes, family changes and other life events will necessitate a move for many of us in the near future. There are things you can do to make your move less stressful and settling into your new home easier. At the bottom of this page there are some good resources to help you along the way.

How will you be moving (rental truck, moving company, a friend's pickup)? If you are renting a truck or hiring movers, get a number of quotes.Make Sure you've hired the movers or reserved the truck at least a few weeks in advance.

Check your insurance. Make sure that your renters insurance will cover your belongings during the move. If it won't, purchase a rider or separate moving policy. Most moving companies offer some insurance as part of the moving price; make sure this will cover full replacement value for any items lost or damaged during the move.

Gather important papers. Bank statements, bills, medical records, veterinarian records, insurance records, school records, the mover's contract, leases, mortgage papers, deeds, car records and other documents should be kept together in a briefcase or small file box and never packed.

Where will things go in the new home? If you won't do much rearranging of stuff in your new place, you're in luck. If you are rearranging things (say, the kids are getting separate bedrooms in the new home), make sure you know what will be going where.

Turn on utilities. Contact the utility companies at your new home and give them your move-in date. This will ensure that you have a phone and electricity when you get there. Likewise, notify your current utility companies of your move-out date (have utilities turned off the day afteryou leave) and new address (so they can send the final bill).

Notify the post office of your change of address. The post office can also supply you with change of address postcards for magazine subscriptions, credit cards, banks, friends, and anyone else who needs your new address.
Get boxes. Get plenty of boxes -- you can usually return those you don't use. Also get plenty of heavy duty plastic tape and bubble wrap or clean paper. Most movers and truck rental companies have calculators to help you determine how many boxes you need.

Purge, and purge ruthlessly. Take an objective look at your belongings and ask yourself, "is this so important that I am ready to pack it up, load it on a moving van, unload it, unpack it, and find it a place in my new home?" If the answer is "no," discard it. Hold a yard sale if you can; give things away; donate items to Goodwill or like organizations; give them to a thrift shop, shelter or other charity. Think of the move as a great opportunity to do that spring cleaning you've never quite gotten around to.

Pack.And keep your packing organized. As you pack each box, keep an inventory, and number each one. Pack one room at a time. You can even color code the box labels by room. (Remember, things should be labelled with their destination at the new home.) You should start your packing early with those things you won't be needing until after the move. Make sure to use bubble wrap or clean paper to protect breakables.

Keep a box of cleaning supplies.Most leases will require that you do some basic cleaning before leaving, so keep cleaning supplies together, and clean each room as it is emptied. When you get to the other end, you will be ready to do any necessary cleaning at your new home.

Beat the movers.If you are using a moving company, make sure you are at your new home (with a cashier's check or money order for payment) before the movers arrive. They will want to be paid before they unload the truck, and you will want to direct them where to put your stuff.

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The Benefits of Pet Insurance

Responsible pet ownership means visiting your veterinarian on a regular basis for routine treatments, vaccinations and examinations. However, statistics show that pets will require unexpected treatments from time to time throughout their lifetimes.

Your vet is a highly skilled expert who has the ability to practice the latest medical techniques often required to return your pet to good health. Insuring your pet will assist you in managing the costs associated with high quality veterinary care.

What is Pet Insurance?
Pet Insurance is very similar to human health insurance which offers a range of programs tailored to suit the needs of domestic pets. While pet insurance remains a relatively underdeveloped product in North America, with less than 1% of all pets being insured, European levels of insured pets range from 12% to 50%.

Pet Insurance Coverage
Pet Insurance offers accident and illness coverage for your dog or cat and financial protection for you. Your pet is a part of your family, prepare for the unexpected. Pet Insurance eliminates the financial stress associated with your dog's or cat's healthcare needs through affordable easy to understand pet insurance programs.

Why do I need Pet Insurance?

Advances in the field of animal medicine have been exponential in past decades allowing veterinarians to successfully treat conditions that were previously considered untreatable. However with these advances comes an escalating cost of veterinary care. It is estimated that North American pet guardians now spend over $10 billion a year on healthcare for their pets.

Consider these facts:
One in three pets will need emergency veterinary treatment every year.
Two out of every three pets experience a significant health problem during their lifetime.

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Free Quotes On Payday Type Loans And Cash Advances

Do you need money tomorrow but your payday is a week away? If you find yourself short on cash and in need of financial help, payday type loans can be a real life saver.

Payday type loans can help with cash advance needs.
If you need a quick cash advance or payday loan, the following companies can help. They can be a quick solution for any cash flow problem.

Payday type loans and cash advances give you access to money when you need it most. Unexpected expenses can occur at any time during the month and don't always fit around your payday. Theses companies provide you with the emergency cash you need until your next payday. No matter what you need money for, they offer quick and easy check cashing service that can give you the assistance you need. However, we recommend you only use these type loans as a last resort.

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Free Quotes on Home Loans, Purchase-Refinance-Equity

Take a look at the following list of well known home loan companies who are ready to give you online quotes in quick time. Scroll down the list below and select one, two, three, or even all of these companies to obtain your home loan quote. A new window will open for each selection.

Refinance Mortgage Quote
If your still paying a high interest rate on your mortgage? That extra money should be yours each month. When interest rates are 1% lower than what you are currently paying, it’s time to consider refinancing. This can mean great savings for you and your family. Replacing your existing mortgage with a new, lower interest loan, changing the term of your loan, or even consolidating all your debts into this new loan will save you money, both monthly and over the life of the loan.

Home Loan Tips
To get the best rate when shopping for a home loan we strongly recommend you get as many loan quotes as possible. Different loan companies offer different deals, so it makes sense to get a quote from several sources. The more loan quotes you get, the better you'll be able to compare rates. Sure, it takes a few minutes to fill out all of the forms, but since it can save you a lot of money it's worth the extra time.

The following companies are all nationwide lenders providing loans to consumers. They specialize in finding lenders to service your new, equity, and refinance home loans. We recommend the lower your credit score the more free quotes you fill out. So if you have less than perfect credit don't worry about it, the following companies will find lenders for your specific credit situation.

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Free Home Owners / Renters Insurance Quotes

Today, there are more types of insurance, and more choices, than ever before. The information presented here will help you choose a plan that is right for you. You may be buying insurance for the first time, or you may already have insurance but want to consider changing plans. To assist you in this, we have scoured the internet and tested virtually all of the following insurance companies. Below, we have listed what we feel are the top insurers online. These are excellent sources for getting free quotes from multiple Insurers.

Affordable insurance, can be difficult to find. Quote It Now helps you simplify your search and get competitive quotes to save you money. The quote forms only take about 3 minutes to fill out. Three minutes of your time can be worth thousands of dollars in savings. Fill out a request and get your free insurance quote today.

How To Get the Best Quote:
1. To insure that you find the best insurance quote on your next policy, we suggest visiting each insurance company below and filling out their brief online quote form. The small amount of time it will take to fill out each quote form could end up saving you BIG money in the months to come!

2. Each link will open up a new browser window for you. When you have received your insurance quotes from one provider either close the window and move on to the next, or simply minimize the current window to come back here and move on to your next insurance company of choice.

3.If you have time, fill out the form for each company below. Remember each of the companies below deal with different insurers, your best rate will be found by filling out the quote form for each.

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Free Life Insurance Quotes

Today, there are more types of insurance, and more choices, than ever before. The information presented here will help you choose a plan that is right for you. You may be buying insurance for the first time, or you may already have insurance but want to consider changing plans. To assist you in this, we have scoured the internet and tested virtually all of the following insurance companies. Below, we have listed what we feel are the top insurers online. These are excellent sources for getting free quotes from multiple Insurers.

Affordable insurance, can be difficult to find. Quote It Now helps you simplify your search and get competitive quotes to save you money. The quote forms only take about 3 minutes to fill out. Three minutes of your time can be worth thousands of dollars in savings. Fill out a request and get your free insurance quote today.

How To Get the Best Quote:
1. To insure that you find the best insurance quote on your next policy, we suggest visiting each insurance company below and filling out their brief online quote form. The small amount of time it will take to fill out each quote form could end up saving you BIG money in the months to come!

2. Each link will open up a new browser window for you. When you have received your insurance quotes from one provider either close the window and move on to the next, or simply minimize the current window to come back here and move on to your next insurance company of choice.

3.If you have time, fill out the form for each company below. Remember each of the companies below deal with different insurers, your best rate will be found by filling out the quote form for each.

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Life Insurance Quotes: Top Ten Money Saving Tips

Top Ten Money Saving Tips

2005 has just begun, and the time to protect your family’s future couldn’t be better.Term Life Insurance is the most affordable way to do this, and Insweb has some helpful tips to save money while getting great protection. See below for our top ten ways to help you save money when purchasing life insurance.

1. Buy when you’re young. Many people may feel they don’t need life insurance when they are young. While your financial needs may be lower at a younger age, the rates are also substantially cheaper when you’re young. Remember, the goal is to cover your primary assets (like your salary and house) so that if something were to happen to you, your beneficiaries would be able to persevere financially. The best advice is to lock in as much protection at a young age while your health and prices are still good.

2. Your “half” birthday could be costly.While some companies raise their prices based on your actual age, most companies increase the price of their policies six months before your birthday. It’s a term called “Age Nearest” in the industry, and that half-year price increase could really add up over a 20-year term policy. As above, the quicker you purchase your policy the better.

3. Select the right length of coverage. Everyone has different needs, and not one size fits all when it comes to term life insurance. While it may make sense for people in their 30s and 40s to secure a 20-year term length, a 10-year term might be more appropriate for someone nearing retirement.People who are trying to quit smoking, for example, might be best suited purchasing a shorter term (and then replacing it with a longer term policy when they qualify for non-tobacco prices). Lastly, individuals who have 30-year mortgages might want to consider a 30-year term to ensure that the house is protected throughout the period of the loan.

4. Check for price breaks. Companies often offer “price breaks” at certain coverage amounts (e.g., $250,000 vs. $225,000). The truth is that many people can actually pay less money for more coverage. Check how little your prices increase when you increase coverage to $250,000, $500,000, or $1,000,000.

5. Buy the right amount of coverage. Many agents may try to sell you more coverage than you need. The purpose of life insurance is to “indemnify” (replace financial loss), and what most people should be looking for is income replacement for their beneficiaries. Independent financial planners recommend the following rule of thumb: purchase an amount of coverage equal to 6-10 times your annual gross income.

6. The right hobby with the wrong company could cost you. People who participate in high-risk sports or activities (such as hang-gliding, skydiving, mountain climbing, scuba diving, and racing), or even those who like to have an occasional cigar could very well pay more money if they don’t pick the right company. Every company looks at risk factors differently and some are more liberal in certain areas than others. Speak with a licensed insurance expert and make sure they have all the underwriting criteria at their disposal and match you with the right company.

7. Work policies aren’t always the best deal. While purchasing a life insurance policy through your employer is convenient, it may not be the best deal available to you. Work policies are often based on a composite profile of the employees you work with, many of whom may be less healthy than you, or have other underwriting factors that might drive up rates. These type of policies also expire if/when you leave the company. Inexpensive term life insurance polices that cover your dependents until they can live comfortably on their own are often a better alternative.

8. Check out your payment/billing options. Many life insurance companies offer discounts to consumers who pay their premiums annually, or who pay monthly by electronic funds transfer (EFT).

9. Review your policy often. Do a review of your life insurance policy a minimum of every three years, if not more often. Rates may be lower, and your circumstances may have changed, necessitating more or less protection. If you are replacing a policy, make sure you allow enough time to get your new policy in place so coverages won’t overlap or lapse.

10. Don’t overspend on protection. Term life insurance is the most affordable and cost-effective pure protection available, and it is typically much less expensive than a comparable whole life policy. The old axiom still rings true: “Buy Term and invest the difference.”

Free Life Insurance Quote

Free Car Insurance Quotes

Today, there are more types of insurance, and more choices, than ever before. The information presented here will help you choose a plan that is right for you. You may be buying insurance for the first time, or you may already have insurance but want to consider changing plans. To assist you in this, we have scoured the internet and tested virtually all of the following insurance companies. Below, we have listed what we feel are the top insurers online. These are excellent sources for getting free quotes from multiple Insurers.

Affordable insurance, can be difficult to find. Quote It Now helps you simplify your search and get competitive quotes to save you money. The quote forms only take about 3 minutes to fill out. Three minutes of your time can be worth thousands of dollars in savings. Fill out a request and get your free insurance quote today.

How To Get the Best Quote:
1. To insure that you find the best insurance quote on your next policy, we suggest visiting each insurance company below and filling out their brief online quote form. The small amount of time it will take to fill out each quote form could end up saving you BIG money in the months to come!

2. Each link will open up a new browser window for you. When you have received your insurance quotes from one provider either close the window and move on to the next, or simply minimize the current window to come back here and move on to your next insurance company of choice.

3.If you have time, fill out the form for each company below. Remember each of the companies below deal with different insurers, your best rate will be found by filling out the quote form for each.

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