Holistic Cancer Treatments have shown to be an effective way to fight Cancer without Chemo and Radiation which modern medicine has been using since the 1950's to treat cancer. Hmmm? Let's see we put a man on the moon how many years ago,but we still treat cancer like we did in the 1950's? What is wrong with this picture? In 1931 Dr. Otto Warburg won the Nobel Prize in Medicine for his discovery of oxygen transferring enzyme cell respiration. The prime cause of Cancer. So why are we still searching for a Cure for Cancer?

Holistic Cancer Treatments

The best way to fight cancer is to not get cancer in the first place. "Easier said than done," you say. "My family has a history of cancer," you say. "Three of my friends just got cancer," you say.

This is a story I have heard many times, as, probably, have you. So how do you deal with this?

Let's take the first scenario: "My family has a history of cancer." Well, your family's history of cancer just means you need to educate yourself on the causes of cancer. Is cancer hereditary? No, it is not. Isn't there a certain gene that makes me susceptible to cancer? That has not been proven to date. What about what doctors are telling me? Unless they are cancer specialists, I would get more than one opinion.

There are many Holistic Cancer Treatments out there for you to investigate. These I have found to work for my clients.

Maintaining a proper balance in the body's pH can have a positive effect on all major body systems, including your digestive, circulatory, respiratory and immune systems. This balance promotes more oxygen affinity in the blood, thus allowing the body to function properly.

So what can we do to start to eat and live healthy? I'm going mention smoking here, but that's all. You know who you are - stop smoking! The next biggest cancer threat in my opinion is soda. It is about the most acidic drink you can get. You all know that I am an alkaline water advocate. I drink between 50 and 90 ounces of alkaline water a day, but not as much as recommended by doctors who advocate alkaline water. However, if I drink one 12-ounce can of soda - diet or otherwise doesn't make a difference - I have to drink 400 ounces of alkaline water just to get my body back to the pH it was before drinking that one soda.

Having an acidic body greatly lowers your immune system, making you susceptible to disease and of course cancer, depending upon your other eating and drinking habits.

Back in 2011 My Ex-Wife Judy was diagnosed with Colon Cancer. I got a call from my Son Kris in California who let me know. Judy had Breast Cancer in 2002 and had a mastectomy and Chemo and Radiation Treatments. I met with Judy and her Husband Doug and let them know of the health benefits of Alkaline Water. Judy started drinking 2.5 gallons of 9.5 ph. alkaline water a week. She did this for over one year. She had the tumor removed on her colon but refused chemo and radiation as it was hard on her body and immune system the last time around. Judy is Cancer free today.

Here are some foods to make your body more alkaline: lemons, watermelon, limes, grapefruit, mangos and papayas. Frozen lemons grated over salads or hot cereals are great and very alkaline. Use the whole lemon when freezing. This is very good for you. What about veggies? Asparagus, onions, veggie juices, parsley, raw spinach, broccoli and garlic are also good.

In the end, to avoid cancer, you just need to change your body into an alkaline state to stay healthy. There is much more to learn here, but this is a good start. Good Holistic Treatments can make a difference!

Article Source: http://EzineArticles.com/8464900

There has been considerable research about the harmful effects of cell phone radiation on the brain. Some studies have shown increasing brain activity when cell phones are being use. The International Agency for Research on Cancer (IARC) has classified mobile phone radiations as possibly carcinogenic.

The first time I wondered whether mobile phones affect the cells of the brain was when I had placed my cell phone near the computer monitor. The computer system I use has the old-modeled CRT monitor. I had just placed the phone near the monitor, and after some time I saw a lot of disturbance on the screen. Thinking that I had received a text or a call, I checked my mobile phone; there was nothing. That's when I wondered if the phone was emitting some kind of electronic wave all the time, even when it was not being used. I generally keep the mobile phone near my head when I fall asleep. So, are those waves or impulses, whatever that are being emitted from the phone affecting my brain?

Worried, I decided to do some research. I found that there has been a lot of research done in the recent past, especially after cell phones became so very popular. One study showed that the radiations from the cell phone considerably increased brain cell activity. There are other research studies that show that the electromagnetic radiation emitted by the phones could even be carcinogenic.

Way back in 2011, the International Agency for Research on Cancer (IARC) grouped radiations from the cell phone under Group 2B. According to their lingo, this classification means that the radiations could be possibly carcinogenic. Only further research will show the entire truth.

One group of researchers conducted a study with 47 healthy adults. Some of them were asked to hold the phone near their ear while others were asked to do the same, but with the phone switched off. The researchers found considerable brain activity in those who held the phones that were switched on.

It is yet to be scientifically documented if these waves cause any significant damage to the brain cells. But if we look at the way the few studies are going, it could mean that the omnipresent cell phone could soon become the bane of our life. Another frightening aspect we should think about is how these radiations could affect children's brains. Not only are their skulls thinner than that of the adults, but the brains are not yet fully developed. So, could this mean that cell phone radiations are even more dangerous for them?

The cell phone has become an integral part of life, and there is no way we can totally cut it off from our lives. The only thing that I could think of is not to talk on the phone for long. If I have to do it, I would rather use headphones. And these days I don't keep the cell phone near my head when I sleep. Stay away harmful radiations...

Article Source: http://EzineArticles.com/8494428

Brain Cancer is the abnormal growth of brain cells. Cancer is caused when there is a change in the genetic makeup of the cell, and it begins to unconditionally multiply and proliferate. There are many risk factors that could cause cancer. Some of the causes of brain cancer are age, UV rays, mobile phones, medical conditions, heredity, virus and radiotherapy.

Abnormal growth of the cells in the brain is termed as brain tumor. This type of tumor may begin in the brain itself or arise as an offshoot from other types of cancers. Primary tumor or cancer that originates in the brain is of many types such as meningioma, acoustic neuroma, pineoblastoma, ependymoma and oligodendroglioma. The name of the cancer is derived from the type of cell that the cancer originates from. Brain cancer is almost always lethal and could lead to a suite of other health problems. Due to its highly intricate nature, brain cancer study is going on at a very slow pace.

The top 3 causes of brain cancer are:

DNA Mutation

Cancer occurs when the cell loses its ability to die. In plain speaking, the cells become immortal. And they start multiplying quickly and proliferate at great speeds. It is believed that this change occurs in the cell due to a mutation (change) in the DNA structure of the cell. The abnormal cells have no place to move and start lumping in the location, creating bumps or tumors that we see. Soon, these cells start infecting other cells and make them cancerous.

Age and Gender

Though people of all ages have the risk of getting brain cancer, the rate of occurrence becomes higher with increasing age. Statistics has shown that men are more prone to this brain disease than women. Females, on the other hand, have more non-cancerous type of tumors.

Heredity

Genetic conditions also have a major role in causing cancer. Children of cancer patients are more prone to this disease.

Medical Conditions

It has been found that those suffering from medical conditions such as Neurofibromatosis, Turcot syndrome, Gorlin syndrome, Von Hippel-Lindau syndrome, AIDS and Li-Fraumeni syndrome are more prone to cancer.

Miscellaneous Causes

The harmful UV rays have been found to be one of the major causes of skin cancer. Whether these rays damage the cells of the brain is yet to be studied. Smoking, alcohol, hair dye and other chemicals are believed to be carcinogens (cancer-causing agents). Recently there are a lot of studies about how use of mobile phones could be linked to brain cancer. Some research studies also link brain cancer to living in proximity to areas that have high power lines. It is believed that children who are exposed to radiotherapy for other treatments could have a higher risk of brain cancer.

Article Source: http://EzineArticles.com/8514545

A Brief Overview

Mesothelioma is a form of cancer that attacks the linings of the lungs and the intestinal tract, and also the sac covering the heart. It is also called epithelial mesothelioma, as it affects the membrane in the pleura, the pericardium and the peritoneum. It is not lung-cancer per se. The mesothelioma-lung cancer confusion has been there earlier. Mesothelioma is merely a form of cancer that affects the lining covering the lungs. It comes in three forms:

o Pleural mesothelioma

o Peritoneal mesothelioma

o Pericardial mesothelioma

Causes of Mesothelioma

The primary cause of mesothelioma is exposure to asbestos. This can be direct exposure at the work place, or secondary exposure (when the victim is exposed to asbestos through coming in contact with someone who has already been exposed to asbestos). Despite all the pain and the loss that the workers faced, there was some hope in the form of legal recourse. Workers started suing the plants they worked in, and soon the legal battle against mesothelioma reached epic proportions. Even today, there are around 3,000 cases of mesothelioma being diagnosed in the United States every year. While the treatment is painful and not always successful, these mesothelioma victims at least have the hope of monetary compensation to help them fight mesothelioma.

The first manifestations of mesothelioma were seen as early as the 1950s and the 1960s. At that time, the workers in plants and other work areas that used asbestos in some form or the other were unaware of the lethal side of asbestos. The management at these work areas - docks, industrial plants, equipment manufacturers, and many more, the list is endless - soon came to know of the adverse effects of asbestos. However, for some reason they kept quiet about it. Their focus was on reduced costs and profits, it seems, and they remained mum about the harmful effects that asbestos could have on their workers. Asbestos, after all, had huge advantages over other material, which was why it was used so much irrespective of the genre of industry. This over the years proved to be a very, very costly error on their part.

Mesothelioma Litigation - Did it Help?

The implications of asbestos use are staggering, primarily because of the range of products it is used in. From office buildings to toasters to car brakes to shipyards, asbestos was used almost across the breadth of the industrial sector. A publication in 1935 by the American Journal of Cancer - Pulmonary Asbestosis: Carcinoma of the Lung in Asbesto-Silicosis - first raised the suspicions of people from the research and medical fields of the connection between the presence of asbestos and the unusually high death rates and lung-related diseases in the industrial sector. This connection was confirmed in 1955, and soon the continued use of asbestos despite knowing about its deadlier side became a legal nightmare for the industrial sector. Mesothelioma litigation in the United States has enabled mesothelioma victims win hundreds of thousands of dollars in lawsuits from their callous employers. It has been one of the successes in the battle against mesothelioma indirectly, and against the irresponsible attitudes of the management of workplaes that used asbestos, directly.

The Legal Aspect of Mesothelioma

Over the years, the legal benefits that mesothelioma victims have received have been enormous. The symptoms of mesothelioma manifest much after the initial inhalation of the asbestos fibers. Mesothelioma treatment is also painful and expensive. The compensations awarded to them have helped them at least cover their medical expenses. Nowadays there are mesothelioma law firms - law firms that specialize in mesothelioma. They have trained mesothelioma lawyers and mesothelioma attorneys. These lawyers specialize in mesothelioma compensation cases.

It can happen that a victim may shy away from legal recourse because they fel that they do not have adequate financial support to pay the lawyer. However, this is a scenario they need not worry about. All they have to do is contact a mesothelioma support group, or a mesothelioma help group. These are present all over the United States. The patient can also go online and put a search for mesothelioma legal assistance cells by typing mesothelioma and then typing the name of the state or area they are from in the search field of the search engine they are using. This is not a fixed rule - they can type it in any order. For example - mesothelioma California, mesothelioma Texas, mesothelioma lawyer texas, New York mesothelioma, California mesothelioma lawyer, etc.

How are Mesothelioma Lawyers so Successful?

One of the basic things in awarding compensation is for the judge or the jury to decide whether the harm done was intentional, or whether it was the result of a choice the victim made, in simple terms. In many cases, the circumstance of a victim is a result of a choice he or she made. For example, in a smoking-related cancer case, the choice to smoke was made by the victim. However, in the case of mesothelioma, the situation is different. The circumstance of mesothelioma in the victim could have been averted if only his employers had been more careful, had made him aware about the risks the job entailed, and then let him choose, besides providing him whatever protection required to prevent him from being exposed to asbestos. This is one area that mesothelioma lawyers and mesothelioma attorneys have been able to successfully work on.

After the initial slew of mesothelioma cases and lawsuits, now laws are firmly in place to safeguard the health interests of the worker. Besides, in the event of someone actually suffering from mesothelioma, there are some guidelines towards seeking legal redress for them as well. Mesothelioma law is strict and helps provide fair verdicts in mesothelioma-related compensation cases.

Guidelines for Mesothelioma Victims Seeking Legal Action

The primary rule of thumb while filing a mesothelioma lawsuit is that it has to be filed immediately on diagnosis of the disease. In fact, in many of the states across the United States, mesothelioma laws stipulating the timeframe within which a lawsuit can be filed are in place. On diagnosis, you can contact a mesothelioma lawyer through your local mesothelioma activists or mesothelioma group for more mesothelioma information relating to lawsuits. The work of a mesothelioma lawyer or mesothelioma attorney is not limited to just fighting your case. A mesothelioma attorney usually has an extensive network of contacts - other victims, mesothelioma case histories, good treatment facilities, nature of treatment options available, in fact, for most mesothelioma-related information. His specialization is a distinct advantage over a lawyer who doesn't have too much of an idea about mesothelioma.

Article Source: http://EzineArticles.com/189399

Most people are familiar with insurance policies but building contents insurance is often overlooked by both homeowners as well as home-renters. So who really needs these kinds of policies and do you need to buy both the buildings insurance and the contents insurance? In this article, you will be able to find the answers.

As the name implies, the building contents insurance provides protection for both the building and the contents within the buildings. Some people might just need to get the buildings insurance. In case of fire and other natural disasters, the buildings insurance will cover the losses incurred by damages to the actual structure of the building itself. In addition, even the fixtures and other fittings will also be covered by the insurance. You may want to check with the policy company to see exactly what kinds of fixtures are considered. But that is all, your personal items that are destroyed in the accident will not be covered so you have to bear the losses yourself.

If you are the landlord renting out an apartment, you will usually purchase the building insurance so as to protect your property. However, if you are the tenant, you would want to get the contents insurance for yourself. This is because your landlord's insurance is not likely to cover your losses. Thus, should anything happens and your personal belongings are destroyed, you will have to bear the losses yourself. As such, is there any group of people who might want to get building contents insurance so that both their property and their personal items are being protected?

Definitely, if the landlord has found a very good tenant and does not wish his tenant to incur losses should there be an accident, he might want to get the building contents insurance to protect his property as well as his tenant's belongings. The landlord will also stand to gain as good tenants are hard to come by and if his tenant has to bear the losses, he might have difficulty overcoming his financial problems. As a result, he is likely to find problem in paying the rental.

If the landlord still has some personal belongings in the house, such as furniture that he is renting to the tenant as well, he might get the contents insurance on top of the building insurance so as to protect his own contents in the property. Alternatively, he might request that the tenant get it and that is usually discussed before signing the agreement.

If the homeowner is staying within the house, he is also likely to purchase the building contents insurance so as to safeguard his property and his contents that are within the house. He would also want to protect his family staying there from any possible injuries. Sometimes, your mortgage provider may try to sell you the insurance as well when you are getting the mortgage. However, you might want to keep in mind that it is not necessary to get from them as you can check out the rates and coverage provided by other insurance company. You want to ensure that you have gotten the best deal at the lowest price possible.

Sig has been writing articles online for nearly 4 years now. Check out his latest website on buying the best contents insurance [http://bestcontentsinsurance.net/] and read about getting building contents insurance [http://bestcontentsinsurance.net/who-needs-to-buy-building-contents-insurance/] for your property.

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If you choose to sell your structured settlement cash award for a lump sum payout, it's vitally important to hire a lawyer. Don't let the dollar signs in your eyes overrule the reasoning part of your brain.

Many consider research to be dull and often boring. But some people love doing it. And few in this rare group are also skilled writers who present their results in an engaging and entertaining manner. Like the author of this article on structured settlement cash award.

Read it, and you'll see how nicely fact and skillful writing are woven into a nice little article that is instructive and useful.

A structured settlement involves cash payments on a regular schedule from one party to another as a result of a legal judgment or binding arbitration (or even a simple agreement between the two parties to avoid a legal confrontation). For many recipients, the lure of a big lump sum of structured settlement cash in their hands right away is overwhelming.

Enter structured settlement cash companies. They offer to buy structured settlements in return for one big payout to the recipient of the settlement. They make their money, of course, by offering only a percentage of the total settlement amount in return for giving the recipient a bundle of cash at one time. This happens all the time, although some critics believe it is borderline illegal, or at the very least distasteful.

If you're in this situation and you decide to pursue a lump sum alternative, do your homework! Investigate the structured settlement cash company's history thoroughly. Check with the Better Business Bureau, search the Internet, and by all means, hire a competent attorney. There are some tricky legal issues at play in these cases, and you don't want to have problems later on with the law or the structured settlement cash broker with whom you've made these arrangements.

It's smart to take some time after you learn that you'll be getting structured settlement cash to get over the emotional high and return to more rational thinking. There is much to recommend keeping the structured settlement as is - that is, taking regular payments over time instead of selling the settlement for fast cash. One advantage is the tax shelter an annuity provides. You can set it up, with the help of a skilled attorney, so that it provides you with payments that are tax-free.

Now, pay attention closely. What you're about to read will help you save hours of frustrating, wasted hunting, and let you hone in on some of the best material on this subject of structured settlement cash award!

However, often there are high fees associated with the management of an annuity. While the fees seldom come close to equalling the tax advantages, some people simply prefer a large lump sum in hand. Reasons include wanting to make a big purchase they've been putting off, such as a new home, or to pay down delinquent taxes or medical bills.

If you choose to sell your structured settlement cash award for a lump sum payout, it's vitally important to hire a lawyer. Don't let the $ signs in your eyes overrule the reasoning part of your brain. Slick companies have been known to settle with some folks for as little as one-third of the total amount of the structured settlement cash award! Those companies rely on a significant number of people who jump before thinking it through. This is why an attorney is so crucial. He or she can help keep you in the right frame of mind.

Other reasons to enlist the aid of a trained structured cash settlement lawyer include dealing with certain legal restrictions, tax implications, and related obstacles. It varies from state to state, so be careful. Whatever you decide to do with your structured settlement cash, arming yourself with the correct information for your situation is the key.

Now that you've learned something about structured settlement cash award, maybe you want more information or need greater detail about certain specific issues. Please visit Structured Settlement Tips [http://structured-settlement.creditreliefonline.com/] for more information.

Ideally, you will leave this article with an enriched perspective on the topic of structured settlement cash award. The facts and analysis presented here were written with a single goal: to help you the reader to learn more about this fascinating topic.

Ken Austin is the webmaster at Structured Settlement Tips [http://structured-settlement.creditreliefonline.com/] and Structured Settlements and Annuities [http://structured-settlement.myfinanceconnection.com].

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What do a talking gecko and cavemen have in common? Both have become household names, representing just how easy it is to get great auto coverage with GEICO car insurance company. What started in the mid-1930s, the Government Employees Insurance Company (GEICO), has become one of the most well-known and highly respected companies in the nation.

With all the auto insurance companies out there, what makes GEICO so special? Well, other than their spokes-gecko-man, they really do have a lot to offer their customers. Leo Goodwin, founder of GEICO, and his wife Lillian worked hard at bringing low costs to specific target groups, while still being able to make a profit. Today, GEICO car insurance company's policyholders still receive excellent coverage, low prices and outstanding customer service, due to the options and services GEICO offers.

Attention

Unlike some insurance companies that close during certain hours of the week, GEICO auto insurance company provides 24-hour service, 7 days a week, 365 days a year. This means, there will always be a representative there to help you no matter what time of the day your accident occurs. Even if you're just in need of some answers, one of GEICO's highly trained representatives will be there to put any of your questions to rest, so you can have peace of mind about your auto or property coverage.

Multi-Coverage

Not only does GEICO car insurance company give your car protection, it gives protection to your motorcycle, ATV, boat, home, mobile home and apartment. Other great bonuses they offer are flood and life insurance, as well as umbrella protection. What umbrella protection does is add an additional layer of protection on top of the liability that comes with your standard policies.

Moving overseas or just going on vacation? GEICO will also take care of getting whatever you need insured. International Insurance Underwriters Inc, a subsidiary of GEICO, will make sure you have everything needed for crossing the border.

Financial Strength

In all reality, when an insurance company isn't financially stable, they will not be able to cover payment of your claim. Not only does that cause you unnecessary frustration, but it also causes you to pay out of pocket. With GEICO auto insurance company, your mind can be at ease. GEICO has received some of the highest ratings from Standard and Poor's, Moody's and A. M. Best. The American Customer Satisfaction Index even rated GEICO as the number one property casualty insurer in the nation.

Discounts

The discounts GEICO offer vary, from vehicle discounts to individual discounts. GEICO auto insurance company offers special discounts for students, seniors, federal workers and people serving in the military.

Privileges Plan and Other Programs

Signing up for the GEICO Privileges allows you to save money at certain brand-name retailers for your home, automobile, shopping, entertainment and travel needs.

Some retailers you can start saving with thanks to GEICO Privileges Program are:

AutoSport

Barnes & Noble

Alamo

Target.com

Direct TV

1-800-flowers.com

JC Penney Portraits

To find more participating retailers, visit the GEICO website.

Other programs GEICO car insurance offer, are the Military Program and Federal Program.

Working hard to "serve those who serve," GEICO has a created the Military Assistance Team (MAT), staffed with individuals who have served our country. These individuals are dedicated to helping those that serve in all branches of the military find the best fit when it comes to insurance.

Originally created to insure federal employees, GEICO has worked over the past 60 years and strengthening that relationship. Today, their federal program participates in the following organization and programs.

GEICO Public Service Awards (GPSA)

GEICO Federal Leave Record Cards

Health and Safety Fairs

Combined Federal Campaigns

Child Seats

Public Employee's Roundtable

Federal Employee Education and Assistance Fund

Compare Quotes From GEICO with Quotes From Other Insurers

With all the auto insurance companies out there, it can be very tedious picking the one that works best for you and your needs. Due to its high ratings and excellent customer service, GEICO car insurance company is definitely worth checking out.

Get started comparing auto insurance quotes online today!

Article Source: http://EzineArticles.com/?expert=James_J._Robinson

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GEICO car insurance has long been only available to government agents. Now, by employing witty advertising campaigns and using a slogan that indicates you could save 15% by switching, they have become an exceedingly competitive car insurance company for the general public. Anyone who becomes qualified may receive GEICO's discount car insurance rates, and can start saving money with GEICO car insurance quotes and share in other excellent discounts that they offer.

GEICO car insurance has long been only available to government agents. Now, by employing witty advertising campaigns and using a slogan that indicates you could save 15% by switching, they have become an exceedingly competitive car insurance company for the general public. Anyone who becomes qualified may receive GEICO's discount car insurance rates, and can start saving money with GEICO car insurance quotes and share in other excellent discounts that they offer, such as:

Multi-car premium reduction

Having air bags

Lowjack trackers

Kill switches

Additional safety features

Additional anti-theft devices

One of the many ways GEICO offers savings on car insurance is when you put more than one vehicle onto the same policy. Offering a multi-car discount helps save money off the amount of premium paid. More cost reduction on GEICO car insurance is available when the car you buy has additional safety and anti-theft devices. The final way GEICO has that leads to premiums costing less is when you join one of more than 250 organizations that have partnered with the car insurance company.

GEICO car insurance company has a 97% customer service satisfaction rate. They have their customer service lines open 24 hours a day 7 days a week with a great standing for paying claims quickly because GEICO is owned by the Berkshire-Hathaway group, which has assets worth over $15 billion.

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If you own a boat, you may not be able to imagine any type of problems you could have with it, but that can be a problem for you. Rather than risking the value of the boat, get proper insurance on it. When you look for companies to provide you with this type of insurance, here are some things to look for...

You may not think you need boat insurance, but if you own a boat it's in your best interest to prepare for any unforeseen accidents by making sure your boat has insurance coverage. Preparing for the future now is preferable to risking the value of your boat. When you're looking for an insurance provider, be sure that the company has a long history of providing boat insurance for the best coverage and the fewest problems with your provider.

Boat insurance can cover what is needed both on and off the water. Before selecting an insurance provider, it's important to research a variety of quotes, since rates on boat insurance vary widely. Boating insurance can be quite lucrative in that it can provide a range of cover to you. When comparing policies, you should look at the amounts and types of coverage offered, not just at the price quoted to you.

Coverage Under Boat Insurance

Boat insurance comes at various levels depending on the type of boat you have, the amount of use, the type of use as well as if the boat is fully paid for or if it is still being financed. Even so, various discounts and rewards programs should be available for boating insurance users. For example, some companies are now offering a no claim bonus (which could be up to 20 percent of your premium) for those that have had not claims in a certain amount of time. That can be quite beneficial.

Boat insurance is likely to provide you with both on and off the water cover. Most policies are limited to use only in Australia, though, as taking your boat out of the country will provide you no protection. While all policies are different in what they provide, here are some expectations you can have that may be extra with some insurance companies. These include; accidental damage coverage, fire and flood coverage, liability coverage, storm coverage, theft or attempted theft, vandalism or malicious act, 24 hour assistance.

In addition to this, whenever there is a claim, you can expect your boating insurance to provide for emergency towing, funeral expenses, salvage costs, submerged motors, and others.

Questions for Your Provider

As with all insurance policies, you need to make sure you are getting the right boating insurance for your needs. Talk about costs for total loss, liability coverage and other situations that may pertain to you (such as racing or other uses for the boat.) In addition to this, talk with your insurance provider about what is not covered. Many policies have exclusions ranging from no coverage for accidents or loss that occurs when you have too many people on your boat (define what that number is) to providing no coverage to you when your boat is being transported by a commercial carrier.

Ways to Save on Boating Insurance

To save money on your boating insurance, get enough cover but not too much. Note the amount of cover being offered to you. In regards to the cost and size of your boat, it may be too much. Discuss the appropriate amount with your provider.

Think about working with an insurance company that offer discounts for multiple policies, such as boat, home and contents and vehicle insurance. This could help you to lower your costs considerably for all insurance plans.

Finally, do your research by getting a quote from several boating insurance providers to find out what rates they can offer. Many offer competitively lower rates to get your business.

Beware Before Signing

With all insurance policies, you need to have a full understanding of what is available to you and what is included in your plan. Check to make sure all information is correct and that you fully understand the policy before signing.

Additional Coverage to Consider

In addition to having standard boating insurance, there are other types of insurance that you may need to consider as well. If you like to race your sailboat, you'll need to have a specific type of boating insurance for racing. This will cost a bit more but will provide you with cover from total loss or damage that happens while racing.

Having liability coverage for flotation devices and waterskiing is also beneficial. Here, you will pay a bit more but you are covered from the cost of injuries or loss that happen during these activities.

For most boaters, contents cover is also important. In order for you to qualify for this type of insurance, you must have a lockable cabin. If that is the case, an add-on or separate policy will give you a bit more protection. This policy will cost you slightly more.

Article Source: http://EzineArticles.com/1641908

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With the growth of international trading, marine cargo or ocean freight has taken the center stage. The goods are transported from one continent to other via ships in large containers. The cargo consists of products like edible items, fresh fruits, vegetables, animals, pharmaceuticals products like syringes, tablets, lotions, industrial raw materials and finished products like the cars, electronic equipments and many other things. Transporting the cargo in containers is not only efficient but also cheaper compared to other ways of cargo transportation. However, marine cargo transportation has its own draw backs, during transportation the large containers might shift and fall overboard especially when the ship has to negotiate large waves. Sometimes due to unexpected weather changes the ship along with its cargo might be lost in the sea. There are always chances of the cargo being damaged while using large cranes in the port. In order to be secure and safe one should always consider buying Marine cargo insurance.

Marine cargo insurance provides a financial security to the cargo which is being transported on high seas. If the cargo were to be damaged or completely lost the insurance company will reimburses the owners of the cargo according to the agreement of the policy. There are many types of marine cargo insurance available and depending on the need one can always buy the suitable cargo insurance policy.

1. Annual marine cargo insurance policy

As the name indicates this policy covers all the cargo which has been imported or exported throughout the year. This is best suited for people involved in import and export business.

2. Single transit Marine cargo insurance             

This is for common people who like to buy things from other countries. This covers the face value of the cargo and is insured till the cargo arrives in the hands of the person who has insured the cargo.

3. Liability marine cargo insurance policy

This covers the liability of the carriers transporting the cargo for loss or damage to the cargo and also to the resulting consequences such as loss of market value, liability for delay etc.

There are many ways through which one can get cheaper quotes on various insurance policies. The basic thing to do when one decides to purchase an insurance policy is to do some research on various policies out there in the market. The best place to do such research is on the internet. One needs to choose a website which offers services like comparison of the insurance policy. This allows the buyer to get a very clear picture of the all the policies provided by the top insurance brokers.

Angella Brown is an expert author on various interesting topics. To know more about the various policies why not compare marine cargo insurance [http://www.boat-quote.co.uk/marine-cargo-insurance/] yourself, from a range of top providers. For more in-depth analysis of boat insurance feel free to visit us at Boat Quote [http://www.boat-quote.co.uk/].

Article Source: http://EzineArticles.com/5066716

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Starting out on the road as a young driver can be an expensive and daunting prospect. This article considers the benefits of motor Legal protection and how it can help ease these concerns.

Motor legal protection, also known as motor legal cover provides a revolutionary way to lower car insurance costs, and can help drivers of all ages. It's certainly not news to anyone that young motorists receive a lot of bad press, and recent findings by the RAC Foundation showed that one in five will be involved in a road accident within six months of starting out. Regardless of who is at fault, these figures emphasise that it is now more important than ever for drivers aged 24 and under to seriously consider covering their backs with motor legal protection.

Comprehensive Cover

Motor legal protection is designed to help you recover your losses in the event of a motor-related accident that wasn't your fault. The policy will pay lawyer fees up to £100,000 to help you recover any uninsured losses (such as claims for personal injury, vehicle repair costs, car hire charges, loss of earnings and any policy excess). A trend amongst young people is to opt for the most basic level of car insurance, third-party cover, to reduce the soaring premiums they're faced with. Motor legal expenses insurance provides a savvy wayof increasing your level of cover on top of this, all without breaking the bank.

Confidence

A 2013 survey conducted by One Poll highlighted the lack of confidence many young motorists feel after passing their test. 29% reported feeling completely unprepared to drive alone after passing their test, and considering the statistics stacked against them, it's no surprise many feel this way. Motor legal protection can help relieve some of this anxiety and leave you knowing that, should you be involved in an accident that was not your fault, you'll have the support you need in claiming back your uninsured losses.

Parents

The average price of young drivers' first cars is also a cost that has risen, according to a One Poll survey conducted this year. It shows that, in contrast to their parent's generation, this figure has gone up by £1,225. A likely factor in this is financial support from parents, with 27% of kids admitting that their first car was bought for them. This compares to only 10% of people over 55 receiving help in buying their first set of wheels when they were setting out, and hits home the fact that, in order to protect their investment, parents should be ensuring their children have motor legal expenses insurance.

Shop Around

Many customers don't actually understand the benefits of having motor legal protection, seeing it more as a costly add-on pushed by their insurance providers. Often, this can be true: some companies will charge you as much as £30 for this service. Buying it as a stand-alone product instead can give you the freedom to find a better deal, as some providers will offer it from as little as £6.75 a year.

Get It or Regret It

No-one likes to spend unnecessarily, and managing money when you're young can sometimes seem like an impossible task. But I'm sure many of us have regretted not taking out insurance before it was too late, and with the peace of mind provided by motor legal cover, at least you'll know that you won't be stung by any unexpected fees. When you compare it to the amount you'd have to cough up without this cover, it's a no-brainer.

If you're interested in learning more about Motor Legal Protection and how it can benefit you or your family, visit Best Price FS today.

Article Source: http://EzineArticles.com/8735594

Last year before it was time to renew my auto insurance, I received a letter from my insurance company telling me my renewal rates would increase by over 30% because I had received two speeding tickets.

I've been driving for over 40 years, and have never had a speeding ticket. I was furious, and decided to look into this myself before complaining to my insurance agent.

There is a website that allows you to research Maryland court cases. You simply type in a first and last name, and can see all cases-traffic, civic or criminal-that a person was involved in since the internet has been in use.

I was able to find out there was another woman with the same first and last name as me, who coincidentally had the same birth month and year as I do. (How scary because of identity theft, but that's a topic for another article.) However, her middle name is different, and she lives in another county in Maryland. She had two speeding tickets, and the dates matched what the insurance company referred to in their letter to me.

My insurance company apparently had found this name & these tickets, assumed it was me and didn't bother to look further to verify that it was me.

I sent a letter to the state Insurance Commissioner, complaining about this mistake that caused me to be put into a higher rate bracket. I also faxed copies of the court information to my insurance agent. Once their error was admitted, my insurance company did reduce my premium, but I decided not to renew with them since they had made such a lazy mistake.

I believe rewarding poor customer service by continuing to do business with that company only invites further poor customer service. It's okay to fire your insurance company, or any company that doesn't treat you like their Number One customer.

The lesson here... if you maintain a good driving record, avoiding accidents and tickets, be sure to read all correspondence from your insurance company at renewal time. Question any mistakes and follow up to make sure you are getting the best rate for your driving record.

It's also a good practice to shop for car insurance every year. I do, and I work with an insurance broker who has access to many different companies. Every year she finds a company that offers me a better deal.

You no longer need to remain loyal to same insurance company year after year. They spend a lot on marketing and advertising to get you to sign up with them, but don't spend the money to retain you as a customer. Shopping online for insurance is great, but you may want to spend the time on a phone call to a broker to find out if you can save more on your auto insurance.

I have a theory that if every driver would shop their rates every year instead of blindly accepting the higher renewal rates, the insurance companies would realize it's cheaper for them to keep their customers and they would reduce their rates for existing customer who maintain good driving records.

Don't let underwriting mistakes cause you to pay more for your auto insurance!

Copyright © 2014 Kay Swann

Kay Swann has over 35 years accounting experience managing the financial departments for several businesses. She grew tired of working for others, and now runs her own business providing consulting and accounting services for small businesses and individuals in the Annapolis area in Maryland.

Article Source: http://EzineArticles.com/8742131