According to the National Highway Traffic Safety Administration (NHTSA), in 2008 there were 5.81 million accidents of all types on US roadways.  Regardless of what you may think about auto insurance, you are required to carry at least some form of it, commonly called the ‘state minimum’ level.

Over the last several years, shopping for car insurance has moved online.  According to comScore’s 2009 Auto Insurance Industry Report, nearly two-thirds (63%) of people in their survey go online to obtain price quotes for auto insurance.  This number is far ahead of other options—including phoning local insurance agents representing a single company (26%) and phoning local agents representing multiple companies (25%).

With online shopping, the average can find auto insurance that is cheaper, for free and with no obligation.  Today there are several websites dedicated solely to helping consumers obtain the right car insurance, at the best possible price.

Finding car insurance online can take just minutes, and removes the hassle of filling out page after page of forms and waiting for approval on an insurance policy.  These sites allow users to quickly search for auto insurance quotes by city, state, brand, and type of vehicle.  Users simply enter in some background information, fill in their requirements—and then receive instant quotes from major auto insurance companies.

One such site is AutoInsuranceTips.com.  At this particular site, the savings can be hefty: consumers regularly save up to 35% on their auto insurance policies.

Savvy consumers know that car accidents do happen, and are always prepared.  Learning all of your options is easy: AutoInsuranceTips.com takes less than two (2) minutes to get quotes and costs nothing to use.

So if you need car insurance and would like to save up to 35% per year, visit AutoInsuranceTips.com today.
 

For consumers who don’t already have a favorite contractor—or who have been burned in the past—finding a reputable professional may seem like an impossibility.  However, an established online company is doing much to change that.

Founded in 1999, the company makes it easier for homeowners to get connected with the right home service professional.  These professionals cover homebuilding, remodeling, architectural services, roofing, fences, decks, painting, flooring, plumbing, landscaping and much more.  Most importantly, consumers who take advantage of its free service get company profiles, ratings, and up to four (4) quotes for their home project.

Over the past decade, the company has made over 12.6 million connections between homeowners and its network of 61,000 service professionals.  As a result, the company is gaining quite a reputation nationally.  Its name is ServiceMagic.

ServiceMagic, Inc. is the nation’s leading online marketplace connecting homeowners with prescreened and customer-rated home service professionals.  ServiceMagic is revolutionizing the way people buy and sell home services by creating connections between consumers and prescreened, customer-rated businesses matched to their needs (and interested in their requests).  ServiceMagic uses an innovative, proprietary technology to match consumers’ service requests with local service professionals in real-time, and covering 500+ home service needs.

ServiceMagic users rest assured, knowing that they are getting the right home service professional.  That’s because ServiceMagic’s pros are thoroughly screened before being included in their network.  Users may also take advantage of profile information and Ratings & Reviews from past and current customers.

One recent customer, Cynthia H., in Sacramento, CA is appreciative of the service: “These are top quality, reputable firms that you have listed.  I don’t know why anyone would attempt to find a contractor any other way.”

So if you are in need a home service professional—that you can trust—visit Servicemagic.com today.

It has been long understood that nearly every species in the animal kingdom produce and sense pheromones, including humans.  You can’t see them or smell them, yet they can be powerful enough to instantly draw another person like a magnet.

"Humans naturally produce their own pheromones." Says Dr. Amend , "However, our cultural habits can wash away, distort or hide our natural pheromones with frequent bathing, detergents, antiperspirants, etc."  Without supplementing with topical pheromones, our natural pheromones largely go unnoticed as evolution has not yet adapted to modern life styles.

However, by applying a few drops of a topical pheromone supplement on the exposed areas of skin, such as the neck and forearms, both men and women can replace natural levels of their own gender appropriate pheromones.  Lasting several hours, the pheromones permeate the air, giving their sex appeal a real boost.

Dr. Amend explains, "Scientists have known for decades about an organ just inside the nasal cavity called the vomeronasal organ (VNO) that contains specialized nerve receptors to detect pheromones. What’s quite interesting," Dr. Amend continues, "Is that it has been recently discovered that a specialized nerve pathway, known as ‘Nerve O,’ runs directly from the VNO to the limbic region of the brain.  This area of the brain is responsible for our emotions and passionate desires. This discovery helps explain how pheromones trigger the attraction response.”

This new evidence tells us that humans do, in fact, respond to pheromones just as animals do, and the best part is this response can be triggered intentionally.  A precise concentration of pheromones can kick off a rush of chemicals in the brain within a matter of seconds, and can make people feel a strong emotional and physical response. "The next thing we know, the fireworks begin," says Dr. Amend.   "These formulations can produce that response, and while the chemical cascade may take mere seconds to occur, the effects can last a lifetime."

This evidence has been tested and borne out in various scientific studies on animals as well as a famous "twins" study done by the ABC News show 20/20.  To test whether pheromones really work 20/20 sent one set each  of identical male and female twins to a speed-dating event,  and gave them each a scent – one twin in each set received a scent containing pheromones. No one knew who had what.  They went on 10 dates each lasting five minutes. The daters then completed forms stating which of the people they would like to see again.  At the end of the evening they tallied the results: Nine men wanted to see Sarah again and five men wanted to see Bridget again. As for the guys, 10 women were interested in Dave and only six women were interested in Paul.   Sarah and Dave were wearing the pheromones.

"Attraction is really all about chemistry" says Dr. Amend, "After all, men and women have been programmed from the beginning for one basic purpose … and that is to reproduce. These formulations merely tap into the power of nature’s chemistry by triggering the signals every person is programmed to sense and respond to".

What does that mean? Well, according to Dr. Amend, and to thousands of repeat customers, it apparently means more flirting, more dates and more passion.

The two Pheromone Advantage formulas, one for men and one for women, blend the most powerful pheromones appropriate to activate the VNO organ in each of the sexes, and each formula is concentrated to insure best results.

Today, Pheromone Advantage is available and ships in a very discreet, unmarked package. It comes with a 180 day unconditional satisfaction guarantee – if you’re not satisfied in any way, the company will refund the entire product price with no questions asked. Click here to learn more about their offer and to see how you can get a 30-day supply Pheromone Advantage for just $39.95.

However, there is an innovative kind of energy supplement and energy drink featuring a potent antioxidant.  This antioxidant is shown to actually increase the amount of energy your body produces on a cellular level—resulting in increased energy and endurance, improved focus, and enhanced power output for athletes.  In short, this antioxidant has an amazing ability to enhance your body’s systems and make you feel energized longer.

This “secret weapon” antioxidant is called Quercetin, naturally occurring in foods such as blueberries, apples and grapes—and structurally similar to Resveratrol.  Researchers believe that Quercertin boosts the amount of mitochondria in cells.  Mitochondria create energy: therefore, when you have more mitochondria, you produce more energy.  And unlike the energy generated in artificially- or sugar-sweetened energy products, Quercertin provides more of your own naturally-generated energy.  One such brand of energy supplement and energy drinks featuring Quercertin is FRS.

For the last several years, hundreds of pro and Olympic athletes, thousands of competitive athletes, and over a million consumers have been passionately using FRS.  Its users include 7-time Tour de France champion Lance Armstrong and 4-time NBA champion Derek Fisher.  No matter whether you are a competitive athlete or just live a healthy, active lifestyle, FRS can work for you, too.

FRS has been producing great results for thousands of regular Americans nationwide.  Michael, from California states, “I am training for my first sprint triathlon and found FRS gives me an amazing amount of energy, but more importantly, I don’t seem to get sore and my recovery is much better than before I starting drinking FRS – I am hooked!”

So if you want to boost your energy levels naturally—without the crash or letdown that comes with other supplements—try FRS today.
 

Complementing the convenience of learning from almost anywhere, affordability is another motivating factor of online learning. OnlineStudentFinancialAid.com is an example of an extremely helpful site that connects prospective students to the financial aid options needed to complete their degree. Once a degree is completed, the benefits are almost immeasurable – according to the U.S. Department of Labor, the average college graduate earns over 65 percent more than a high school graduate, and those with a master’s degree earn more than double. 

The evolution of online schooling comes at a much-needed time, too, as students seek a viable, affordable alternative to campus-based programs. Just as the prospect of unemployment drives workers to seek education, the reduction in capacity for new students among state and community colleges makes the traditional route much more difficult.

Additionally, there are a growing number of resources on online education that help prospective students make informed decisions on where to go back to school. Sites such as OnlineStudentFinancialAid.com help pull together the top schools offering financial aid packages across a number of different areas of study, from Criminal Justice to Education to Nursing and Healthcare.

Find the best fit for you – go to OnlineStudentFinancialAid.com to take advantage of a truly helpful resource – and let the convenience of online learning help you get the degree you deserve, even in the midst of everyday responsibilities.

The state requires that a minimum insurance policy will pay for the damages and medical expenses of any car accident that is your fault.  Beyond that, it is up to you to determine what risks you want to assume responsibility for, and what risks you want your insurance company to protect you from.  And while upgraded policies are considerably more expensive than “state minimum” policies, you should never have any unplanned-for out-of-pocket expenses.

Though the state minimum insurance levels fulfill your legal obligation—they do very little to protect you from financial risk.  If you are willing to assume the risk of having to repair or replace your car, your insurance bills will always be lower with the state minimum levels.

Ideally we’d all like to gather quotes from multiple auto insurance agencies, but this can be exhausting and most people don’t have the time to take this on.  One company, however, has made this easy.  At InsWeb.com, users fill out a simple form, and are then connected directly with insurance agents in their area.  These agents contact the user with their best quotes, and consumers can select the best policy for their situation.

InsWeb.com differs from other auto insurance quote sites because it connects users directly with insurance agents, and never to more than one agent from any single provider.  This way, visitors are not bombarded with emails and phone calls from a ridiculous number of agents.

If you’d like the right auto insurance—without the hassle—visit InsWeb.com today
 

In short, insurance agents represent different insurance companies, the companies that actually provide the insurance coverage.  So it is crucial to choose an agent who partners with a company that can provide you with great coverage—and at an affordable rate.

Always pay close attention to the name of the insurance company when you receive a quote.  Be leery of agents who try to set you up with a substandard company without justification.  And always remember to check with your state’s insurance department for any ‘red flags’ regarding the insurance company’s license, financial stability or other vital information.

Before you sign on with any auto insurance specialist, be sure to find out how accessible your agent—and the company itself—will be.  Remember that some agents still don’t deal very much with email; others commonly forward calls to a call center, where you receive impersonal service.  Above all, make sure your agent is accessible the way you want them to be.  You can do that y researching the policies for both the agent and the company itself, as they can widely vary, too.

Always thoroughly investigate any online insurance company.  Be sure to take a look around their website. Is their contact information easily visible—and do they have reasonable hours of operation?  Try to test out some features of their website: how easy is it to stay on top of your claim, for example…And when you do call and speak to an agent, are your calls answered with ample time—or are do you feel like you are some sort of burden?  If so, it may be wise to keep looking for another company.

One excellent place to keep looking is the handful of online sites that let you compare auto insurance companies.  Here, you simply input some background information, enter your insurance requirements—and you instantly receive quotes from multiple. well-regarded insurance companies.  This variety of choices helps: some clients have saved as much as 70% on their annual auto insurance premium!

One of the top sites in this segment is LowerMyBills.com.  This free service provides some of the most competitive quotes from premium auto insurance companies.  The site is also filled with free reference material explaining policy types—plus offers lots of great auto insurance tips.

Keep in mind that with just a quick search on LowerMyBills.com, you may be able to save hundreds of dollars per year on your auto insurance.  In any economy this is great news; during a recession, this can be dramatic news!

So if you’d like to start slashing your auto insurance expenses, it’s time to visit LowerMyBills.com.
 

The recently-passed American Recovery and Reinvestment Act of 2009 was created to help more Americans than ever before obtain a higher education.  The underlying plan?  Strengthen our economy, by creating a better-educated workforce.

To help Americans like you earn college educations, our government is giving away $30 Billion to make schools more affordable—and $40 billion to state education grants!  And it doesn’t stop there: $17 billion in extra funds were assigned for Pell Grants; our Federal Perkins Loan Program was bolstered to $6 billion in annual loans—and the higher education tax credit was increased to $2,500 (a huge tax bonus for students who are also employed full-time).  Lastly, a new, innovative federal-state partnership has built a $500M grant program to ensure that more students actually stay in school and finish their degrees.

With an ever-increasing number of online education institutions, more degree-seekers can capitalize on Obama’s stimulus bill—today—without having to leave their jobs.

Many adults are excited about the opportunity this represents: ‘I took my first course online because it was convenient. Now I’m finishing my Certificate in Applied Statistics online because I learn better working at my own pace.  Now convenience is just a bonus,” states Lindsay S, from Iowa City.

If you’ve been procrastinating getting a degree because of financial problems, there now is help, if you know where to look.  There are now several free online websites that will quickly navigate you through all the options, narrow down your options, and help you find your dream program!

One of the leading services is ClassesUSA.com.  This site partners with many online and campus universities offering associate, bachelor’s and master’s degrees; many schools offer financial aid.

So if you want to make an investment in your future—and become the skilled worker employers are searching for—you should consider ClassesUSA.com today.

Scientists agree our lips evolved first for eating—and then later for speech.  Yet, with a kiss, a different kind of ‘hunger’ applies.  Kisses set off a whirlwind of neuro-chemical messages yielding anything from sensations of touch to sexual arousal; feelings of closeness to even a wave of euphoria.

However, kissing is not a solo affair, and kissing transmits external messages as well.  The bringing together of two bodies sets off messages just as powerful with your partner (whether they are precisely the same feelings is another matter altogether).  Kisses pack quite a punch: even one can transmit much information about the potential of a relationship.  Research proves that kisses are so powerful that a ‘first kiss’ gone badly can derail even the most promising of relationships.

Scientists believe that lip-locking evolved as a means to promote mate-selection.  Kisses transmit olfactory, tactile and postural types of information tapping into both the conscious and unconscious mind that drives decisions, including a genetically-compatible mate!  Some researchers believe that a kiss can even disclose the extent to which a partner might commit to raising children—central to our specie’s survival.

Nearly 50 years ago, British zoologist and author Desmond Morris posited that kissing probably evolved from primates: mothers chew food for their young, and then feed them mouth-to-mouth.  And since chimps still feed this way, early man probably did so, as well. 

This press of outturned lips against lips may have later progressed as a way to comfort children in times of hunger—and eventually becoming a general expression of affection.  (Leave it to us humans to take these first parental kisses down the myriad of paths we have today!)

It is believed that unseen chemical messengers named pheromones helped along the evolution of the intimate kiss.  Both animals and plants use pheromones to communicate: insects, for example, emit pheromones to signal alarms, point out a food trail or announce sexual attraction.

In 1995, a Swiss researcher showed why pheromones are so important in humans, too.  He had women sniff t-shirts worn by men, and asked which smelled best.  The results were startling: the women did not choose randomly, which was discovered by comparing the DNA of the women and men.  Instead, women overwhelmingly picked the scent of man whose histocompatibility complex (MHC)—the genes that forge our immune systems—differed from their own.  (Different MHC’s mean less immune overlap, and the increased likelihood of healthy, disease-resistant kids.)  Thus, kissing may be a woman’s way of assessing a potential mate’s immune compatibility—without investing an excessive amount of time, energy in (and not to mention sexual activity with) a man.

However, these scientists aren’t telling the average person anything new: when it comes time to close your eyes and lean in, we all know that a kiss is never just a kiss.
 

However, in these difficult economic times, there is something that can make even the most spectacular cruise even better: up to 75% off its price!

There is one service that is committed to helping you save—big—on cruises around the globe.  Founded 25+ years ago, Vacations To Go has saved millions of dollars on discount cruises for thousands of travelers just like you.

That’s because a quarter of a century ago, Vacations To Go innovated a way for the cruise lines to sell unsold cabins close to departure at huge last-minute discounts without affecting the overall market.  Rather than offering “sale” prices to the public and upsetting full-fare customers buying in advance, cruise lines allowed Vacations To Go to market unsold cabins to their confidential, exclusive client list at huge savings.

As a result, Vacations To Go has now provided hundreds of thousands of their members with great cruise vacations at huge savings—often as much as 75% off!  The company partners with the world’s largest cruise lines and receives high praise for its outstanding customer service.

Getting on this confidential list is easy.  All you have to do is register on their website—at no charge— to become a member.  At that point Vacations To Go will IMMEDIATELY begin offering you all of these great discounts!

After you’ve registered, you’ll have instant access to great features like the “90-Day Ticker,"  a comprehensive listing of last-minute deals by all the world’s best lines.  Here, customers typically save anywhere from 50% to a whopping 75% off the everyday rate.

Additionally, Vacations To Go’s "Find A Bargain" displays an incredible array of discounts, including 2-for-1 early bird discounts and even lower rates for people age 55+, active and retired military, airline employees, teachers, firefighters, police and past cruise passengers. 

Vacations To Go offers the widest selection of cruises at the best price.  So, whether you are a cruise novice or veteran—register and start your next adventure today at VacationsToGo.com