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If you only plan to travel abroad once this year, then single trip travel insurance is probably the best value - there's no point in paying for cover you don't need!

Generally speaking, you can purchase single trip travel insurance to cover three areas; Europe, Worldwide and Worldwide with exclusions. These exclusions tend to be travel to areas like the Caribbean, USA and Canada where claims tend to be more expensive. Check your policy details to make sure you have chosen the right territory - for example, some providers include Tunisia under their European cover, while others don't.

It is also very important to check the details of your single trip travel insurance policy very carefully to check the cover meets your needs. If it does prove to be unsuitable, you should be able to obtain a refund within 14 days of taking out the policy provided your trip has not already begun and you have not made a claim on the policy.

A good single trip travel insurance policy should offer cover for emergency medical expenses, cancellation, curtailment, personal possessions, personal liability and legal expenses. Many single trip travel insurance policies offer the option to exclude baggage cover for a discount - this is worth doing if you already have "away from home" cover for your personal belongings on your home contents insurance policy, or don't feel that you need cover for this.

You may also have encountered something called "excess waiver" on some single trip travel insurance policies. Basically, the excess is an amount that you pay whenever you make a certain type of claim. By paying a small addition premium for "excess waiver" you can eliminate this cost.

If you are planning a ski or snowboard trip, it is important to find single trip travel insurance which offers cover for this. Similarly if you are going on an adventure holiday, check that the single trip travel insurance policy offers cover for any hazardous activities you are taking part in before you go.

Single trip travel insurance is available from a number of places. If you booked your holiday through a travel agent you will probably have been offered their policy, but remember you are not obliged to take this and it can work out very expensive. Thanks to comparison sites such as Moneysupermarket it is easier than ever to compare single trip travel insurance premiums, and as a result the market has become very competitive.

Don't be tempted to try and save money by travelling without single trip travel insurance - the cost of sorting out even a small problem will probably outweigh the premium you paid, and bills for medical emergencies can run into many thousands of pounds.

24/7 travel insurance offers single trip travel insurance policies from as little as 4.38* - a small price to pay for peace of mind and to really relax and enjoy your holiday!

Chevrolet has officially announced that they will reintroduce the Camaro for 2009. The car is a stunning beauty with bold lines. The design is heavily influenced by the 1969 Camaro including its unique interior. The Camaro will join the Mustang and the new Dodge Challenger in the recently revived hot pony car market.

The Camaro was introduced in 1967 to compete with Ford's highly successful Mustang and was slightly redesigned in 1969. The updated car was "squared off" to give it a more aggressive appearance. The results were well liked by the automotive press and the motoring public. Today many consider it the best looking Camaro of all time. Performance was outstanding. The well rounded Z/28 was the road racing version of the pony car and was powered by a 302 cubic inch small block. This car was designed to compete in the Trans-Am race series and it was very successful. For those wanting straight line performance, the Super Sport with a 396 cubic inch large block was available. The 396 was so powerful that most racers had to modify the rear suspension to keep the cars on the track. The car was an instant classic.

General Motors abandoned the pony car segment in 2002 after sales of its pony cars dried up. The Mustang was the last survivor of the pony cars. At that time, SUVs and Trucks were the best sellers and sports car sales were in decline. General Motors had further hurt sales by pricing these cars out of the price range of its target market. The car had grown from an affordable performance car aimed at the youth market to a bloated and expensive car that was unattainable by those same youth.

Forty years after the classic 1969 Camaro was introduced, Chevy has decided to reintroduce the model to compete with the highly successful retro Ford Mustang. Ford proved that there was still a large market for pony cars and General Motors wants a piece of the action.

As stated earlier, the new Camaro was heavily influenced by the '69 version and the designers got it right. The car looks aggressive and bold all at the same time. Performance should be more than adequate with the base model receiving a 250 horse power V-6 and the performance models receiving up to 400 horsepower from the small block V-8. The only weakness of the new car is the interior. It resembles the '69 Camaro too closely and looks a bit dated. The good news is the Chevy has indicated that the interior is one of the focal points with the transition from concept car to production car. General Motors has also indicated that the base price for the standard 2009 Camaro should be around $25,000. The performance models should range between $28,000 and $40,000. This is a good call as anything more would cause Chevy to lose sales to Ford.

Muscle Car Facts is a site that features all the classic American Muscle Cars. Learn more about the 1969 Camaro and the 2009 Camaro there.

Modern businesses are becoming increasingly concerned with interior decor and design elements as well as their primary business functions. Large corporations now spend millions of pounds getting the look and feel of their office premises just right and are all too aware of how important first impressions are with potential clients.

When it comes to a client making a decision as to which company they wish to do business with a professional and well presented company are much more likely to succeed. Now whilst you may be unsure as to what this has to do with plants you would be wrong to assume that office plants do not have any impact on potential clients.

Hiring office plants from a professional office plant specialist can provide you with numerous benefits but first and foremost the planted displays you are provided with will be bespoke and designed to complement your company. Not only should this help to improve your company image and reputation in terms of providing aninspiring green environment for your employees but it will also make your office premises stand out and appeal to potential clients.

Office plants can have a very positive effect on people and can often make people feel more positive and relaxed thus improving your business relationships.Healthy and beautifully maintained office plants from interior landscapers can also promote a sense of success and improve your business image, especially as research has shown that plants in hotels have improved occupancy rates and planted displays used in shopping centres can lead to people spending more time and money.

For facilities managers, hiring office plants is definitely a good idea as office plant specialists can assist not only with choosing the right kind of plants for your particular environment but they will also ensure that the planted office displays work to make your job easier. This can be seen especially in relation to heating and cooling costs as office plants can actively regulate humidity levels thus helping you reduce costs in some cases.

For many businesses the most important factor about hiring office plants is that responsibility for the maintenance and health of the plants can be left with the interior landscaping company, as most will provide bespoke maintenance packages leaving you free to enjoy the greenery without having to get your hands dirty. Real live office plants like any living thing require care and attention in order to survive and should never be neglected.

Office plant maintenance packages exist not only to make your life easier but also to keep the office plants happy and healthy and whilst the ill-health or death of a plant may not be of any significance to you, studies have shown that some individuals can become deflated when around unhealthy office plants.

Essentially then, if you are looking to improve your company image alongside boosting employee mood and productivity then office plants are definitely a solution. Rented office plants enable you reap all the benefits that planted office displays can bring without any hassle or time spent from you. So sit back relax and let the experts handle your greenery.

Fosters Breathing Space specialise in supplying indoor and office plants for plant displays to brighten up offices, showrooms, and special events. Visit http://www.breathing-space.co.uk for more information.

Home insurance rate: An affordable rate can be achieved in a lot of ways. However, some of them might leave you slightly compromised. I don't generally recommend such options because they defeat the main purpose of insurance in the first place. So, I'll only give you options that will also have you well covered in spite of saving you much. Here they are...

1. You'll get lower rates if you use the right materials. Frame homes are more resistant to earthquakes while brick houses are more resistant to high winds. So having a frame home in the East will definitely cost you a lot more in home insurance. On the other hand, folks who reside in the West will get lower rates if theirs is a frame house because of the earthquakes there. Buying a home built with the appropriate material for your area will save you a minimum of 5%.

2. You'll probably reduce your premium if you take time out to check your home insurance policy at least once a year or whenever things change in your house. That rare rug Aunt Molly gave you might not really be worth the $10,000 you insured it for presently.

You'll save and still have adequate coverage by lowering your home insurance coverage by the right margin if it has dropped in value. Nevertheless, bear in mind that doing this could as well reveal that it's now valued a lot more and so require that you add to your coverage.

3. Having a smoker in your home will increase your rates substantially. With over 23,000 residential fires being caused by smoking you will agree that it's really a serious factor. Do your best to make sure nobody smokes in your home and you'll attract more affordable rates.

For people who smoke, bear in mind that you're entitled to a downward review in your rate once you've quit smoking for more than 12 months. What if your insurer refuses to give you discounts because some companies don't have non-smokers discounts? Then it is time to shop for an insurer who does unless you enjoy something else to make your continued stay with such an insurance company worthwhile.

4. You'll get lower home insurance premiums if you do your landscaping right. Things like potholes increase the probability of injuries that will result in liability claims. To this extent, you'll be saving yourself some cash while making yours a more beautiful home. And if you haven't and plan to do it, talk with your insurance agent so you'll know the proper things to do in your landscaping to make sure you get the highest discounts possible with your insurer.

5. It does happen that we sometimes want to renovate our house. Your motivation may not be to lower your home insurance premium. You just intend to make your house fit your taste or ensure everything works as it should.

But isn't it heart-warming to know that this will as well get you huge discounts on your home insurance policy? Therefore, make sure your agent is informed about it.

Brand new houses and houses that have been renovated are lower risks to an insurer and therefore attract lower home insurance premiums. However, take note that the scope of renovation carried out will also determine the size of discount you'll receive.

6. The most important step to huge savings in home insurance is comparison shopping -- That's if you do it right. You can get quotes that will have a range that exceeds $1,000. You could easily save so much by just choosing the lowest quote. This should be the case if you're just after the lowest price.

Nevertheless, if you're after the best price/value then you'd have to check the details of the lowest offers. Different insurers may have different exclusions for similar policies. It's important that you ask the agent what's part of the deal and what's not.

Here are recommended pages for home insurance quotes...

InsureMe Home Insurance Quotes

Home Insurance Quotes

Chimezirim Odimba writes on insurance.

Many people ask, "If I am supposed to get a renewal discount, why do my premiums seem to increase with each renewal?" The answer is not always so simple. Each year, new vehicles cost more then they did the previous year. It will probably cost more to fix a damaged vehicle than it did last year, or five years ago when you first bought your current policy. However, in many cases, your renewal premium will be less. Some factors that contribute to decreases in your premiums are straightforward.

According to the Insurance Information Institute (I.I.I.), the cost of auto insurance is expected to rise only 3.5% in 2004, the smallest increase over the last four years. Why? The number of auto accidents is on the decline due to better drivers and safer cars as well as crackdowns on fraud and abuse. However, due to the rising costs for medical care, vehicle repairs and skyrocketing jury awards the potential of price increases remain a problem. Rising automobile theft rates and fraud will keep costs higher for motorists in some states, such as Florida, Massachusetts, and New York.

The projected increase represents a substantial slowdown from 2003 when auto insurance costs rose by 7.8 percent, the I.I.I. observed. The average cost for auto insurance nationwide for 2004 is estimated at $871, an increase of $29 per vehicle from last year.

Unfortunately, even though drivers are filing fewer claims these days, the claims that are filed are costing the insurance companies more than they used to. It is costing more to repair cars as the amount of damage sustained in crashes is up from what it was a few years ago. Some in the industry feel this is due to accidents involving sport utility vehicles.

The cost of medical coverage is also increasing. This year insurers could pay as much as $20 billion in medical claims. Higher costs for hospitalization, medical care, medication and associated legal costs are also to blame.

What can you expect to pay for insurance? In many cases, your renewal discount will offset a rate increase from your company. It can become hard to keep track of increases if you make many changes to your policy. When you move to a new residence or get a newer vehicle as these factors affect the rate you pay. Your driving record is also one of the factors the insurance company uses in determining your rate.
Go to http://www.carinsurance.com. Not only will you get the rates of various insurance companies, you will see the A.M. Best rating for each company along side their rates for you personal situation.

Now is the time for your fingers to punch their way to a quick rate analysis and view the ratings at the same time.

Visit http://www.carinsurance.com to Check Out the Lowest Premiums Available!

Jon Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.

Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!

A new kitten! That's great. Of course, for most people, the first thing on their mind, is "what a beautiful kitten". Very soon though, the practicalities of looking after any pet will set in and you will be trying your hand at potty training your new cat. No problem... as I am about to show you here, it's really easy. You may not know it, but, most mother cats will have already potty trained their kittens before they are weaned. If the mother has already done that then it's going to be a lot easier for you, trust me. Either way, it only takes a couple of days if you follow the steps that I give you here. It sure is a lot easier to clean a litter box than having to clean several messes off your floors.

Potty Training - The Basic instructions:

Firstly, you should invest in a good litter box. Look for one of the hard plastic ones - they're the best. One thing to watch out for when you have a small kitten is that the lip is low enough for the kitten to get inside. Sometimes it's hard to find the right type of box - with the lip low enough - depending on where you live. If that's the case for you, don't worry, just use an old phone book for the kitten to use as a stool.

The next most important thing for potty training your cat is your choice of litter. You will find two types at the market, the non-clumping and the clumping kind. Both of these will do the job really well and there is practically no difference between them. Many prefer the clumping kind as they say it will be easier to clean the litter box, but personally I've found no difference. It's your choice really which to use when potty training your new cat.

Step 3: When potty training your cat you will need to put about 2 inches (that's 50mm) of sand in the litter box. If the box you got is smaller then you can just fill it about one third of the way up with the cat litter of your choice. When you are buying your litter box be sure to pick up a good quality scoop for cleaning up the used litter and whatever else is left behind. You should be able to find the scoops beside the litter boxes in most shops.

Finally, when potty training your kitten you have to put the cat directly into the litter box after it has eaten. Do this immediately as the majority of cats will need to use it at this time, and obviously that's the best time for you to show them where to go. A good tip that can be helpful to bring out a cats natural instincts when potty training your cat is to gently scratch the surface of the sand when you place the kitten in the litter box. This works because cats naturally dig and cover their waste in the wild.

Remember, potty training your cat is just one part of any complete cat care program. There are many breeds of house cat and sometimes it can be hard to choose from among them.