With sky-rocketing car insurance costs, thrifty auto owners everywhere are looking for ways to get cheap car insurance rates. And why not? If it can save you some cash then go for it, right? Well, there are many ways to get price reductions on automobile insurance. Try to check if you or your car is eligible for the following price reductions but remember that these are general deductions, you have to inquire with your insurance provider if they offer them.

Personal Auto Insurance Price Reductions

These discounts are usually given based on your performance as a driver and policy holder. The other discounts are given based on your present status in life.

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It doesn’t come as a shock that when getting a automobile insurance policy, the insurer takes a look at your car. Some of these automobile insurance price reductions are given because you’ve made your car safe and insurance-friendly.

1. Car Air Bags. There are multiple types of airbags: front, rear, side-curtain, etc. The more you’re protected, the larger the car insurance discount you may be able to receive.
2. Anti-Lock Brakes System (ABS). Some states require that insurance firms give price reductions to policy owners whose automobiles are equipped with ABS.

Anti-Theft Devices. Installation of anti-theft devices like alarms is a way to get cheaper insurance rates. There may be an added bonus if the alarm automatically activates when the car’s engine is turned off.

“Why Malta?” my new Maltese friends kept asking me when they find out that my mystery-thriller The Cellini Masterpiece is set on Malta. Mind you, only the Maltese ask that question. (Some kind of national inferiority complex?) Americans ask “Malta Who?” or “Where the heck is Malta?” or “Is it about the Maltese Falcon?” (They must always think that they’re the first ones to think that up.)

The difference in questions is obvious. The Maltese are puzzled. Americans are plain ignorant. Someone once wrote that the way Americans learn geography is by war.

Why Malta is the question that is harder to answer. My usual comeback is why not? That usually brings a laugh, but it’s difficult to explain how a tiny bit of limestone southwest of Sicily should hold such an interest for an American for so many years. I will be 65 by the time this article is in print, but I fell in love with Malta sight unseen as a 10-year-old in Minneapolis, Minnesota. I was a stamp collector and bought one of those cheap worldwide stamp packets, with one stamp showing Verdala Palace in Malta. Somehow it grabbed my interest, and a few years later I started reading about Malta until I had exhausted the local library collection. The chance discovery of a stamp led me to one of the most geographically and historically significant places in the world. Literally the crossroads of the Mediterranean, it has Neolithic temples pre-dating the pyramids and has been occupied by every world power since the ancient Greeks. I’m a historian, for heaven’s sake. Who wouldn’t be interested?

I was hooked. My stamp collection turned into a business, which I named Maltalately (for Malta philately). Even so, all my life I wanted to write a novel set in Malta.

At age 14 I read Cellini’s Autobiography. The rogue artist absolutely intrigued me. I also know he lived in the mid-16th Century and that the Knights of St. John defeated Suleiman the Magnificent’s Turks in the so-called Great Siege. It was the greatest holy war of all time and may have saved Europe from occupation by the Turks. Voila. Somehow my novel would involve Cellini and the Great Siege. I even had a punch-line. Now all I had to do was write it.

It took more than twenty years but I finally had a finished draft in 1985. The Jonathan Lazear Agency decided to represent it. Unfortunately, they weren’t able to find a publisher and the manuscript went back on the shelf to languish for nearly ten years before I finally went to Malta for the first time at age 54. I stayed at a bargain accommodation, the Soleado Guest House in Sliema. What a great location to set the novel! I dusted off the manuscript and started again. My first change was to give Rick, my hero’s, sidekick a sex change. My male cab driver was now a sexy young woman. The manager of the Soleado, Joey Bugeja, got a gender change, too. He was now Josefina. How could I miss?

The events of September 11, 2001, although tragic, provided another powerful plotline, since Malta is near North Africa and has close economic ties with Libya. I should be able to polish the book off in a couple of months, I thought.

Not. Things still didn’t fit together quite right. In September of 2003 I enlisted the help of a musician I had met while I was selling postcards. He liked thrillers and had a keen ear for the music of language and a discerning eye for the continuity of my story. Taking him on board was one of the best decisions I have ever made, and by the beginning of 2004 I could envision the final draft. Then I heard about the North African boat people who were landing in Malta. Wow. Now all I had to do was tie Benvenuto Cellini to Suleiman the Magnificent and add in a plot from World War II with another involving modern-day terrorists and refugees. What could be simpler? Even Snoopy could do it.

Somehow I did do it. And according to my readers, successfully. Why Malta? Because there is no other place in this whole wide world where the story would make sense.

The other answer to “Why Malta” is found, for me, in a quote from Somerset Maugham’s The Moon and Sixpence. It could have been written for me. “I have an idea that some men are born out of their due place. Accident has cast them among certain surroundings, but they have always nostalgia for a home they know not…. Sometimes a man hits upon a place to which he mysteriously feels that he belongs. Here is the home he sought, and he will settle amid scenes that he has never seen before, among men he has never known, as though they were familiar to him from his birth. At last he finds rest.”

SAHHA u hbibierija.

To read a chapter of The Cellini Masterpiece, or to ask John a question or comment, log on to http://www.cmasterpiece.com

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Fading Toward Enlightenment by Wayne Wirs is definitely a
well made book of excellent quality - it will certainly endure
multiple readings. I loved the feel of the pages as I turned
them. I would classify this book as a useful, inspirational,
self-help tool for those searching for inner peace. Wayne
shares his personal experiences while he searches to
come to turns with himself and life in general through this
beautiful work of art.

Wayne is truly a seeker of understanding. I was reminded
occasionally of Joseph Campbell throughout the book, as
the two focus on similar themes. Wayne shares his journey
towards understanding that takes him through vigorous
studies of mystic and myths, traveling into himself and then
out again. He dreams of being able to reach beyond the
ego.

Attractive, attention-demanding black and white
photographs are enhanced by the deep-thinking quotations
and the author’s excellent discussions. Each stage in his
journey is accompanied by the exquisite photos, and the
photos add depth to the text - feeding each other. I found
that I would read a sentence and then look at the photo;
back and forth - each page a slow and rewarding process to
savor. Written to inspire others to delve deep into
discovering who they are, Wayne asks us (as he asks
himself) “Who are you behind those busy thoughts?”

The question and answer interview at the end of the book
was quite helpful in finding out more about the author’s
personal side and his particular views. He also includes a
list of resources to aid the reader interested in furthering
their journey.”

ISBN#: 0976358107
Author: Wayne Wirs
Publisher: Missing Man Press

~ Lillian Brummet - Book Reviewer - Co-author of the book Trash Talk, a guide for anyone concerned about his or her impact on the environment Author of Towards Understanding, a collection of poetry.
http://www.sunshinecable.com/~drumit

Silent Lies is an action romance saga, that takes the reader through decades of a tumultuous time between the end of World War I and the beginnings of World War II. Excellent and intelligent use of actual historical events makes this piece both educational and entertaining.

Leo, a young Hungarian boy who sees too many horrors and deceit, barely survives while family and friends are slaughtered. He finds himself alone, again and again. Subsisting on his uncanny ability to mimic behavior and languages, a gift that keeps him alive - and in serious trouble, he travels from Hungary to Paris. Leo is innocently trapped by very ruthless and influential people and he is forced to run for the sanctuary of Shanghai. There, both his greatest hopes and greatest fears come true.

This is an endearing story of a love that many can only experience in dreams. It is about self-sacrifice - of enduring when all hope is gone and strength is fading. Readers witness the consequences of the political and personal choices that Leo is forced to make. Personally, I had to brush away a little water from my eyes a few times in the story.

Without hesitation, I give Silent Lies high ratings because the author has provided an exceptional piece of work. I look forward to the second book to find out what else will happen in Maggy and Leo’s adventurous lives.

ISBN#: 1563527502
Author: M.L. Malcolm
Publisher: Long Street Press

~ Lillian Brummet - Book Reviewer - Co-author of the book Trash Talk, a guide for anyone concerned about his or her impact on the environment - Author of Towards Understanding, a collection of poetry. (www.sunshinecable.com/~drumit)

There is no denying the fact that the triumph of a firm is due to the dedicated work of the employees, however one misfortune can easily wipe out your efforts and shrink the income to zero. Thus, to evade such an example, you should insure your business, whether it is a small business or a giant corporation. Yet, please remember that smaller firms are considerably more probable to require business insurance cover in today’s hard world. This is mostly because smaller company owners will have put their complete lives and salary straight into the company.

A number of the things usually covered by nearly every business insurance covers comprise of: natural catastrophes, fires, machine or equipment failure that closes down the firm, loss of profits as a result of staff carelessness and litigation brought against the firm.

There are heaps of insurance organisations, which provide policies that include both protection for all key property & liability risks in one group package. You can also get a separate coverage. Such a coverage is usually referred to as a business owners’ policy (BOP). Large sized organisations may acquire a business-related policy cover. Ask for a public liability insurance quote request today.

BOPs consist of building insurance for buildings & gear belonging to the firm. If there is any loss of income caused by disruption of functions and commerce because of accidents such as volcanoes, it can be protected under the Business Interruption Insurance policy.

There are policies, which protects the firm’s legal duty for the damage it might well cause to others. It’s the effect your firm’s failure to do the business operations. It can as well be the actual injury or property damage caused as a result of damaged manufactured goods, faulty fittings & mistakes in services provided.

But, BOPs don’t cover professional liability, car cover, staff reimbursement or health and disability cover. In this instance separate policies are vital for professional services, commercial vehicles & workers. Normally, floods, earthquakes & terrorist attacks are not covered in the business policy. Please make sure before you purchase!

Hello Folks, It’s Rangerrob.

I was sitting on the fence the other day, thinking about important things. Wish I could remember what they were. But I did get to wondering about a few things. Throughout the years, people seem to have created some new looks, and ideas in their everyday lives, which were not really anything we could dream up in our generation. So I have a few questions that I am curious about. Here is my list:

• Do them folks with all them piercing and chains in their ears, tongue and belly buttons get worried about our lighting storms when their outside?

• Do them gothic looking folks have problems with makeup when it rains?

• Do kids with their pants down to their knees every try out for Track?

• Has anyone ever thought to make a blinking belly button piercing for joggers to wear, for safety?

• If kids really want a fast car, why don’t they get a GTO?

• Why would anyone put a lift kit on a mini 4×4 truck, when for the same amount of money they could buy a real Ford F350?

• Do avid hunters put deer fences in there yards?

• Can a rap singer, sing out of key?

• Why do so many folks drive like the world is ending, passing and speeding like there is a tornado behind them, only to meet back up with them at the first light or stop sign?

• Why is the “Blue Collar Comedy Show” only a half hour?

• And this one is personal. How come you can find every old rerun show on TV except Daniel Boone?

I know, just like you, I loose sleep over this stuff. The next time I see you sitting on a fence, I bet your trying to figure this stuff out too.

Email the Ranger anytime at ranger@rangerrob.com

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Rangerrob of the Northwest.

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It is not easy to get a scholarship these days. College scholarships are unlike the regular student loan in that they are a grant for a college education, and, repayment isn’t needed. While exploring ways of funding your degree, suss out the more special alternatives, for instance lefty grants.

Click here and inspect this one of a kind web site for how to ski to college with a skiers scholarship guidelines

Lefty Scholarships: It may appear crazy to provide a bursary dependent on a predominant hand, but look at this: Julius Caesar was a southpaw, as is Barack Obama. Raphael, Leonardo da Vinci, Sting also Charlie Chaplin were also lefties. Figures propose up to eleven percent of the global population are lefties. Often considered more talented artistically and to have a higher IQ, lefties have often gone through discrimination in the past. Discrimination is not a problem any longer, lefties are no longer thought of as unusual, and may have some qualities in common with the exceptional individuals mentioned previously.

Should you be left handed and searching for grants for left handed scholars, many scholarships for left handed individuals exist which you may be able to acquire. The Beckley Scholarship for anything up to one thousand dollars is available at Juniata College in Huntington, PA. Presented to students of Juniata College and it was established in the late seventies, this school grant helps a lot of southpaws in their pursuit for a college degree.

Numerous bursaries do have prerequisites and restrictions. These may be minimum grades and financial needs, but not always. Multiple applications may give you a better chance at graduating with a negligible level of debt. Do look at local organizations, clubs and hobby related groups. Lefty grants are only one case; funding is even accessible if you’re the child of a from a armed forces family or suffer from a disability, to provide some examples. Most people need to invest quite a bit of time looking for university funding, but the reward will always be worth it. Utilised along with standard lending, they are effective at keeping down the student debt that a college degree generates. Ensure you research every last opportunity. Be aware there are other choices in addition to southpaw grants — and do be imaginative! Try for each program you believe you are qualified for, you will keep any debt to a minimum, also you will look forward to improved prospects when you finally finish college.

Utopia.

My motorway is crumbling,
With an enforced fifty limit,
and what is even more humbling,
Is there are speed traps in it,
Still I use the extra petrol,
Paying more tax as a result,
Vainly seeking for a reason,
Behind the latest congestion fault,
Taking solace from my car,
As it could have been the train,
Better to just be delayed,
Than never be seen again,
And stagger home as ever late,
To find a letter in the hall,
From a burglar who is suing me,
Over a dangerous interior wall,
That coupled with the TVs weight,
Caused serious damage to his spine,
So he cant get out now to burgle,
And its not his fault its mine,
At least he hasnt claimed at all
Loss of earnings to be backdated,
But before I reply to him,
I have to have it all translated,
As he is not from these shores,
But just resident for a while,
So as they wont deport him,
I have to pay up and smile,
Luckily I may also pay myself,
From what I have been reading,
As as a victim of a burglary,
Im entitled to money from my speeding,
When caught recently at midnight,
Doing twenty in a fifteen zone,
Coming up my private driveway,
TO the entrance of my home.

http://www.stiffsteiffs.pwp.blueyonder.co.uk/poems.htm

About the Author

Ex systems programmer. From an age where common sense existed.

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