How to Find Affordable Automobile Insurance in Arizona

Finding affordable automobile insurance for your Arizona vehicle may not be a difficult as you think. Shop around on the Internet for alternative quotes from various companies.

There are discounts and savings that you may not be aware of as follows:

1. Multi-Line Discount: Insurance companies offer discounts to policyholders that have more than one line of insurance coverage with them. Seek insurance quotes from the insurance company that is currently writing your homeowner or renter’s insurance policy. Be sure to make them aware that you have other lines of coverage placed with them, especially if you’re seeking quotes over the internet.

2. Non-smokers: Non-smokers are a more favorable risk to insurance companies than non-smokers. Now would be a good time to kick the habit for both your health and your pocket.

3. Vehicle Safety Features: Newer vehicles come equipped with airbags and automatic seatbelts. These features and others like anti lock brakes will server to lower your auto premiums.

4. Higher Deductibles: How much can you afford to pay out of pocket in the event of a collision or comprehensive loss? If you can afford to pay the first $500 or even $1,000, you will earn a premium discount for the higher deductible. Get alternative quotes with various deductibles. Make sure the premium savings is worth the extra out of pocket expense. Remember, the deductible applies to each loss, not just the first one.

5. Accident Free: How is your driving record? If you have a clean driving record without accident or points, ask your insurance company for a clean driver discount. Companies may call it by different names, but make sure you specifically ask the question how much is my clean driving record saving me?

6. Multiple Auto: Insuring two vehicles with one insurance company is cheaper than two separate policies. If you have more than one vehicle, it only makes sense to cover them under the same policy.

Cooking – Liver

All liver is a great source of iron and B vitamins and should be a regular part of a healthy diet and if cooked correctly liver can be delicious. Although liver does have bad press and many people will not even consider trying it. Sometimes it calls for the cook to be somewhat inventive to get people to try liver. There are many recipes to choose from and it is worth the experimentation.

The best liver is the liver from young animals as it is mildest and tenderest. Calf’s liver is delicate and delicious but fairly expensive. Real calf’s liver is paler in color than the redder more mature baby beef liver. For a mild flavored liver choose the palest that you can find. The darker the color the stronger the flavor.

Take care when choosing liver as sometimes baby beef liver is labeled calf’s liver in the supermarket or grocery store. To ensure purchasing true calf’s liver buy from a butchers or a reputable gourmet supermarket.

Baby beef liver is stronger in flavor than calf’s liver but is very good and preferable to actual beef liver. Liver from beef is dark red and the color corresponds to the strength of flavor. Beef liver is readily available but many believe it is too strong for simple preparations.

Some cooks after buying beef liver soak it in milk or a flavorful spicy marinade such as a white wine marinade before cooking to soften the intense flavor. After marinating throw the liquid away and pat the liver dry before cooking.

A lovely tender well-flavored liver is lamb liver but this is generally quite difficult to find.

Also hard to find is pigs liver, which is strong in, taste but extremely tender. Again for pig’s liver it can be soaked or marinated like the beef liver.

When choosing liver it should be impeccably fresh with no slimy or dry patches and should have a clear scent.

Should you find yourself preparing a whole liver first wipe it with a damp cloth, then with a sharp knife remove any exposed veins, ducts or connective tissue. With your fingers peel away the thin outer membrane without tearing into the liver itself. You then just slice on the diagonal to the desired thickness your recipe calls for.

Of course presliced liver can be purchased and is actually more commonly available than whole livers. If the butcher has not done so remove the outer membrane on the slices.

Before cooking make 1/8th inch cuts at 1-inch intervals around the outside of the liver slice. The reason for this is because liver has a tendency to shrink and curl when it is cooked and these cuts will help to prevent that from happening.

The liver is now ready for cooking. Liver should be cooked until it is pink but firm in the center. If liver is overcooked or cooked on excessively high heat it will toughen.

Liver is a lot richer in flavor than many other types of meat so a 4-ounce serving should be ample as a main course for most appetites.

Fashion Jewelry Facts and Care Tips

Why we love fashion jewelry?

Fashion jewelry, also referred to as costume jewelry, is a fun and inexpensive way to express your individual style. Its low cost composition means that it is easy to get your moneys worth of use out of it and allows for a much greater variety of bolder, attention grabbing styles and colors that can be mixed and matched according to your mood or wardrobe.

Caring for your fashion jewelry

Although fashion jewelry doesn’t require much of an investment, it is still important to get the most bang for your buck by taking proper care of your costume jewelry by following a few simple steps:

- NEVER allow fashion jewelry to come in contact with oils, soaps, perfumes, or any harsh chemicals which can fade or even ruin the item.

- ALWAYS remove jewelry before sports, swimming, exercising, washing hands, showering, cleaning, doing laundry, or applying lotions or creams.

- NEVER store jewelry wet. Always dry with a soft cloth before storing.

- When cleaning, be gentle! Use a soft toothbrush and jewelry cleaner that specifically states that it is safe for costume jewelry. Make sure it does not contain acid, alcohol, or ammonia. Only use jewelry cleaner as directed. DO NOT over scrub.

- Store jewelry in a plastic ziploc bag or soft jewelry pouch away from other objects and jewelry items to avoid scratching.

- Store jewelry in a clean, dry, cool, not cold place away from heat and dust.

- Use a jewelry cloth for buffing.

- Regularly check for loose stones.

Fashion jewelry typically consists of three elements:

1. A base alloy such as brass, nickel, aluminum, tin or a combination of metals that has been altered to resemble more precious metals such as silver, gold, or platinum. This is achieved by a variety of methods including:

· tone: Have you ever heard of fashion jewelry that is referred to as silver or gold tone? This means just what the name implies. Tone refers to the color of the metal only. Gold and silver tone jewelry are silver and gold in color but contain no actual gold or silver.

· electroplating: This is probably the most common method. In this process an electric current is used to deposit a thin layer, as little as 2 micro inches (a micro inch is one millionth of an inch) onto the base alloy metal which is immersed in a salt bath solution of the precious metal that will be used to plate the object.

· layering: This method also utilizes the process of electroplating. However, the plated object is immersed for a longer period of time allowing for a much thicker layer of precious metal to be deposited. Layered gold or silver consists of approximately 20-50 micro inches of gold or silver. Although it doesn’t sound like much. This thicker layer results in a much more durable, longer lasting jewelry piece.

· overlay: This method utilizes heat rather than electricity to combine the base metal with the precious metal to form a new alloy. This creates a permanent bond between the metals which creates jewelry that can be as durable and long lasting as the real thing with proper care. Gold overlay jewelry is also sometimes referred to as gold filled. It is generally safer for sensitive skin than costume jewelry made by other methods.

· Technibond: This is considered to be one of the most desirable methods of gold plating because it uses a full 40 micro inches of 14kt gold over .925 sterling silver rather than a typical base alloy. It is the best of both worlds.

· vermeil: This is the top of the line in gold plating. This method uses as much as 100 micro inches of gold over .925 sterling silver and as you can expect is also a bit pricier. It may be worth it for someone looking for something closer to the real thing without paying the exorbitant price for solid gold.

2. Man made stones such as cubic zirconia, crystals, rhinestone, glass, or epoxy are the second component of most fashion jewelry The most popular of which is cubic zirconia because of its physical characteristics. It is used to create simulated versions of precious gemstones such as diamonds, rubies, sapphires, and emeralds. Its sparkly appeal and inexpensive price tag allow for much larger, more glitzy fashion pieces that instantly attract attention. Colored glass can also be used to simulate precious stones and faux pearls. Rhinestone and crystal jewelry is also popular because of its glitzy appeal and color choices. Epoxy and acrylic are plastics that is often used to make inexpensive bead jewelry.

Although typical fashion jewelry consists of man made stones sometimes natural crystals and semiprecious stones such as pearls, topaz, black opal, amethyst, or peridot is used to provide a more fine jewelry appeal.

3. Fashion jewelry may also consist of unusual materials such as wood, stone, and shell which can be either natural or colored.

Affiliate Commissions

Affiliate marketers participating in affiliate programs earn their keep through transactions. Commissions vary from program to program depending on the salability of the product. Some programs give as much as 45% to their affiliates while some affiliate programs give a mere 10%. So small compared to the effort an affiliate marketer puts into his task just to generate a sale.

So what do you do to increase your commission earnings? Do not join affiliate programs which commission rates are only 10%. Investigate the type of products or services that the affiliate programs are promoting to find out if the commission rate of 10% is justified. Beside, an affiliate marketer getting only a 10% commission rate needs to have an extremely large customer base to be able to earn a reasonable amount of money.

Consider this scenario: Suppose you were selling a product that costs about $ 100. To be able to earn enough money from this product you will need at least about 250 visitors to your website. If 60 customers out of the 3,000 visitors bought a product from the website that would give you a commission of $ 6000 a year.

Compare it with this scenario: You are selling a product that gives you $ 1 commission per affiliate program. You would need to sell at least 500 items per month to be able to earn a $ 6000 commission a year! A sales ratio of 2% would mean that your website would have to generate 300,000 visitors a year or 25,000 visitors a month.

Based on the two scenarios, I believe it would be more practical to sell a product of high value. As difficult as it is to attract visitors to a website, it is more difficult to make a sale. Selling a product of higher value would mean generating less traffic to the website but would still earn the affiliate marketer a reasonable amount of money.

And ask yourself this; is the product manufacturer serious with his affiliate marketing program? A manufacturer who is serious in promoting his products would not give a meager 10% commission to his marketing affiliates. You see, to be able to attract effective marketing affiliates the manufacturer would have to use generous commission as bait. So if a marketing program offers you a 10% commission, think about it overnight. You might find out that the effort you placed into selling the product can not be compensated with a 10% commission.

I know of an affiliate program that pays 45% commission to their top affiliate marketers. Second tier affiliate marketers of their program are given 10% commission. The affiliate program is giving away a generous 55% to their affiliate marketers and only keeps 45%! In my opinion, this is a smart marketing strategy. By paying high commissions to their affiliates, they are actually appealing more affiliates to their program. This means that the products they are promoting are moving at a higher volume. This means higher earnings for the manufacturer with no extra effort since the affiliates of his marketing program are doing all the work. This is like dangling a carrot in front of a donkey in order to make the donkey move! In order to make higher volume sales, a generous commission must be dangled in front of affiliate marketers!