Car Insurance - Safety and Cost

By Gage Killian

Car insurance has been called a necessary evil by many. If you've ever been in a car accident then you know how important good insurance can be. Every day people are in car accidents for numerous reasons. Some of these reasons could be due to inexperienced driving, driving while intoxicated, bad weather, unsafe road conditions and other driving hazards. But the fact remains the same, car insurance isn't cheap.

Within the world of car insurance, one fact remains the same. The safer you are, the less your insurance will cost you. Now, when I say safe, I don't necessarily mean your ability to drive a car. Numerous factors are accounted for when a car insurance company defines the word safe. "Safe" can mean driving a safe car, being an older more experienced driver, living in a safe town or city, having a clean record of safe driving and much more. This is important to keep in mind when deciding to buy cheap car insurence and keeping your cost down.

The older you get, the lower your rates become. The longer you go without a traffic violation or being in an accident the more likely you are of having a cheaper quote. The more safety features your car has, the less your monthly or quaterly rate will be. The less accidents in your town or city in general can also help determine your overall costs. Even simple things like how many miles you drive a day or your credit score can be indicators to a insurance company of a safe driver.

Some car insurance companies offer cheaper rates, but is this always better? As the standard goes, the cheaper the car insurence, the less coverage you will have. This is all fine until you get in to a car accident and you have no where to turn. It isn't always the best idea to get the lowest car insurance quote online.

Here are some tips and best practices when buying car insurance and still saving some cast. First of all, check the credibility of the company you are considering. Do you know anyone else who has their insurance? Consider multiple carinsurance companies before settling on a single provider. It ultimately comes down to a single truth. The more you know, the better off you are in finding the company that you are looking for and making a smart buying decision that reflects your interest and goals financially as well as providing protection.

Simple safe practices such as these can keep your rates low and your coverage high. It is sometimes better to be safe than sorry and the insurance companies see it this way too.

Article Source: http://EzineArticles.com/?expert=Gage_Killian

隐约，我记得那次飞行

有时树很美

我居住的地方

saya jumpa awak

电影笔记 Cinta

我去看这部电影是因为电视广告上的预告片里有一个老人说了这句话：“Isteri bukan hak milik, tapi anugerah.”，语气安详而沉稳，有种洞悉了生命的体会在句子里头打转，充斥着珍惜和感恩。我怎么能够错过这样子的一部电影。
电影非常道地，熟悉的场景，就在我们日常生活范围里发生的点点滴滴。他们的故事，我们的故事，很亲切的让大家代入电影里头，一场鲜明的声影历程。五个主线里头我特别喜欢老人的那一段，看着他和街坊的互动，亲切的问候，体谅的善意，尊敬的对待，美好价值观的体现，我们的社会本来就应该这样子的。孙子对老人的照顾，孝道和牺牲的天平。食店老板娘对老人的怜惜，依稀相惜的情怀，这些美丽的情感提醒了我这世界可贵的一面。就像老人无助的在闹市路旁惊慌的表情，在遇到食店老板娘的温暖扶持下褪去。温情总是能够把躲在遥远角落的希望呼唤出来。
电影的主题是“爱”，广义的爱容纳着狭义的爱。爱是牺牲，爱是放手，爱是成全，爱是勇敢，爱是坦白。。。五个主线分别以不同的角度来探讨爱，最后回到原点，爱的出发点是爱，她的终点还是爱。这是一个圆，女孩从异乡来到都城寻找她以为的爱情，虽然不是原本的对象，她最后还是找到了她的爱情。单身贵族为了身份的光环而背叛了自己的爱情，最后也因为爱给于的勇气而卸下身份，回归爱情。讨喜的是电影用最简单的最贴近生活的手法来表达这些，由于贴近，我们都容易感动。由于感动，我们都记住了。
电影的拍摄和镜头都很漂亮，我享受了很多美丽的画面。音乐也该记一功，和剧情的配搭非常协调。简单的故事简单的人物，最直接的认知和体会。我深深的享受了一部好电影。

低沉的思索

雨水总在梦境里头流下，消失。剩下的潮湿草地，起床梳洗后我踏着去上班。
上班是常态。是习惯的动作，是众目睽睽下最好的伪装。
就算只是在办公室里头倒数放工，雨还是下着，专注而稳定，雷声有力，闪电充满生命力。
我听着雨声，生命力的滴答滴答。眼睛半闭，总是不够睡的昨天。

迟睡

我想我是属于正常人的范围，一天八小时的睡眠刚刚足够。虽然说每个人需要的睡眠时间不同，所谓八小时不过是一个普遍的平均数值﹔可我平时没午睡没生病夜晚睡到笫二天自然醒恰好八小时的距离。所以我的睡眠需求是一个普遍的数值，而普遍多意味正常，对于非常人的一天只需三、四小时睡眠，我是带点敬佩又羡慕，洒些认命情绪的。
三分之一是蛮大的一个部份，我尽量符合身体的自然作息，但奉行的生活方式不时侵蚀那三分之一的睡眠国土，续而影响日间生活的领土，周而复始的恶性循环。尤其是上班这回纪律事件和睡眠不足先天上拥有最大的冲突。上班日我得在六点半起身（不理前一晚多迟入睡），洗刷准备一番后在七点一刻步出家门。下班后通常在七点前离开，回到家都是七点半以后了。如果说要遵随八小时的睡眠时间，十点半前必须入睡。所以我剩下三小时的缓冲，来容纳工作以外的事情。
而这三小时常常放纵的臌胀，第二天的不停瞌睡就像臌胀到极点的汽球破掉，掉落满地的破碎精神。我时时警惕自已要保持充足睡眠，却因不甘被纪律限制的享乐而做罢。譬如星期一，我在放工后看了两场欧洲电影节的电影，回到家已是凌晨十二点。结果那天睡不到六个小时而造成的星期二上班时严重瞌睡的迷糊感，令我有种虚度光阴的挫折感。星期二只看一部电影，回到家还不到十点。原打算十一点上床睡觉，可是后来在msn和朋友商讨周末摄影计划时他说要吃西米露，我很惊讶的问他那种时刻哪里找西米露吃。他说他知道一个地方，我说你来接我吧。所以那晚我们去了市中心的一间著名糖水店，接近午夜时分的街道很安静，可是店里的人潮不绝，有中年人和小孩的家庭式客人，有一大半少年的学生客人，有携手同行的青年情侣。我有点奇怪为什么他们都可以这么迟还不睡觉，应该是他们第二天不必像我这么早起身上班，或是他们需要的睡眠时间比较短。这座城市就是这样子由不同的人运转着吧，我看着面前的朋友的黑眼圈，听着他说起昨天凌晨五点才入睡的事情。就在凌晨的闹市间，我吃了一碗红豆沙，大家聊天到深夜一点，重回上班族前身的学生时代的熟悉感。那个时候我都没顾虑过睡眠足不足够这样子的题目啊。

Affordable Auto Insurance

By Terry Ross

It’s amazing how much you can save on your auto insurance if you are prepared to shop around and if your are looking for affordable auto insurance then there is no better place to start than on the internet.

A good percentage of motorists are paying auto insurance premiums that are just too high because they fail to get competitive quotes when it comes to renewal time. There are plenty of insurance companies that offer more affordable auto insurance if you are prepared to take a little time to look around.

I know people that have seen nearly a 50% drop in auto insurance premiums just by swapping to a more affordable auto insurance provider.

A lot can change in just a year so just because you believe you got the best possible quote when you took your auto insurance policy out it doesn’t mean that you have the most affordable auto insurance now.

• For a start you have another year’s no claims and you may have changed your car and just used the same auto insurance company for speed and ease. However, even if your auto insurance provider offered you the most affordable solution for one car it doesn’t mean to say that you won’t get a more affordable auto insurance quote if you have changed your car.

• Then there are new auto insurance providers coming into the industry all the time and others may have changed their pricing structure in order to gain a bigger percentage of the auto insurance market.

• Your existing auto insurance company may have decided to increase their premiums at a higher rate than their competitors which could mean that you can get more affordable auto insurance through another auto insurance provider.

• You may have changed the number of named drivers or the youngest driver on your auto insurance policy may have reached a milestone age which will help make your auto insurance more affordable.

• You may have moved house into an area which insurance companies deem safer and will be prepared to offer you a more affordable auto insurance premium.

There is any number of reasons why you should always seek competitive insurance quotes and just because you have been saddled with high car insurance premiums in the past it doesn’t mean to say you shouldn’t seek more affordable auto insurance in the future.

Use the internet as a good starting point prices on the net are getting more and more competitive with discounts being offered if you buy your auto insurance online. If you aren’t sure which companies to get affordable auto insurance quotes from first you might want to try a couple of the larger insurance companies who have been in the auto insurance business for a considerable period of time such as Progressive Insurance or State Farm Insurance.

Happy hunting, go experience the pleasure of snapping up a bargain, your quest for affordable auto insurance could leave you with a lot of spare cash to burn!

For more about auto insurance visit 24-7-insurance.com

Article Source: http://EzineArticles.com/?expert=Terry_Ross

无趣

我也不确定是不是因为我感冒的关系。
心里跑出一头野兽
往时间后边飞奔
那些我还没看见的未来
都被他衔走了
然后
然后是空荡的游乐园
秋千摇摆之前的一千次欢笑
跷跷板像昨天和明天交替般起伏着
一千个孩童发出的嬉闹声
和寂静一样
贴切的形容这座游乐园
我心里那座永远没有建梭的游乐园
没有人来过
也没有人离开
所以幸福摩天轮留在图测
你说我无法一个人完成的
我知道
我的确明白一个人乘搭的摩天轮多么无趣
旋转木马也是
我不懂得唱歌
你说没有音乐的木马多么无趣
和我的坐姿一样
无尽的沉思
直到好奇心耗尽
明天的事情显得无趣
明天的明天的明天
心里的那头兽都不会回来了


其实也没关系
“再眷养一头吧”，你说
可是我不知道我要怎么样的未来。我身体健全，基本的思考逻辑系统都有很好的连结。取得学位毕业后顺利上班，工作之余还有自己的兴趣，也从中享受到快乐。朋友都很好，大家相处融洽。偶尔回乡探望家人，大家都过得不错。就这样子过了若干年，好像真空里的摩天轮不用多加力量就能够旋转，我没有动力，或者是热诚。工作的展望放在一旁，总觉得自己没法工作得更加用力。生活继续在重复里头沉沦，高潮低潮也无所谓。不懂是不是沉溺于小孩的童话心态，总不愿承担责任。所以一般的供车供楼与我无缘，一个人在这座城市两袖清风，总觉得如果有一天我要突然间离开地球的话都可以没有太多不舍。我懂有人又要骂我了，不懂是不是感冒的关系，我写了这些。

五公分的私语

我记得去年的同一个时候我们第一次出游，那时荷花茂盛的绽放。我还没有长镜头，只能捕捉靠近池岸的荷花。今年此刻我们再来，荷花却已凋零，满池残叶余花。我带了长镜头，却没有选择里头的荷花让我用阳光作一幅脱俗的荷画。所以我转到广角，在五公分处对一众凋零私语：明年花会开。

那些年，我们一起追的女孩

九把刀在故事结束前写道–这个故事需要一个意义丰盛、翅膀柔软的名字啊！
我实在不愿从这个故事的温暖和豪情交织而成的结界里头离开。多么用力挥棒的青春，一支越过记忆边界的全垒打，多年以后依然热烈的喝采。
原来青春是可以这般热血的，加上爰情，我仿佛在故事里看见发亮的飞行物体。不明，可是实在。因为我不曾经历过的，大雨般的青春感冒啊。
在星巴克读完这个故事时已近傍晚。夕阳暂从稍歇的烟霾中伸出暖暖的手指，在冷清的桌椅和若干埋首笔记本电脑的人们间，划下一道类似体验的光芒。
¨大部份的爱情早在一开始就注定了结果。绝大多数的人都会在下意识的第一印象中，将异性做「恋爱机会」的评分，从此定调。¨九把刀这样说爱情。
¨如果是爰情的话，我们一早就在一起了¨，刚才聊电话时ｍ坚定的说。
我不知道，我反复念这一句¨没有人可以定义你的爱情¨。或者是，像这么一场属于青春的爱情，已经超出我的存在范围，而我还固执的期待着。
我喜欢这个故事– 那些年，我们一起追的女孩。
因为里头有一道光，¨而我的世界，不过就是你的心¨，这样的执念，我们对爰情最初的响往。

我的书单

心血来潮，为目前的房间里头的书本列出一份清单，算是纪录，也做为这五年来在这座城市居住的非正式阅读里程碑。统计之下才发觉自己的书藏量其实很少，一百多本而已。若干统计如下：

我从 时报 买了最多的书

单一作家里头， 我买了最多 村上春树 的书

所有作家里头，我买了最多张姓作家的书

125本书里头，有36%是翻译书

125本书里头，8%是中国出版的，4%是马来西亚出版，其它都是台版书。

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书名	作者	出版社
苏格拉底大哉问-哲学新发现	Christopher Phillips	麦田出版
苏格拉底咖啡馆	Christopher Phillips	麦田出版
数字城堡	Dan Brown	人民文学出版社
智能记忆	Dr. Barry Gordon & Lisa Berger	大块文化
写给年轻人的简明世界史	Ernst H.Gombrich	商周
灵魂的符号	Gina Lake	麦田出版
哈利波特和魔法石	J.K Rowling	人民文学出版社
142个阅读起点	James Burke	蓝鲸
Guns,Germs and steel	Jared Diamond	Vintage
听见100%的村上春树	Jay Rubin	时报
岛屿时光	Josephine Johnson	天下文化
苏菲的世界	Jostein Gaarder	作家出版社
纸牌的秘密	Jostein Gaarder	智库文化
The curious incident of the dog in the night time	Mark haddon	Vintage
科学家眼中的世界	Martin Gardner 编	商周
达文西-科学第一人	Michael White	猫头鹰
Peggy 来占星2-工作go go	Peggy	大块文化
What If	Robert Cowley	麦田出版
吃	Sidney W.Mintz	蓝鲸
豆腐之书	William Shurtleff & Akiko Aoyagi
从空中看地球	Yann Arthus-Bertrand	猫头鹰
见佛杀佛	一行禅师	橡树林
正念的奇迹	一行禅师	橡树林
观照的奇迹	一行禅师	橡树林
世事如烟	余华	麦田出版
余秋雨台湾演讲	余秋雨	尔雅
向左走向右走	几米	格林
棋神物语	刘黎儿	商周
如果在冬夜，一个旅人	卡尔维诺	时报
分成两半的子爵	卡尔维诺	时报
宇宙连环图	卡尔维诺	时报
中华上下五千年	吴兆基 编	京华出版社
有一种下午茶的淡香叫作禅	吴都 编	京华出版社
跳蚤	商晚筠	南方学院马华文学馆
风沙星辰	圣修伯里	万象图书
南方信件	圣修伯里	万象图书
如果敌人来了	孙锌评	麦田出版
女馆	孙锌评	麦田出版
男身	孙锌评	麦田出版
天空之城	宫崎骏	时报
我心中最美丽的	小评	红色文化
小说稗类	张大春	网路与书
最初	张大春	时报
四喜忧国	张大春	远流出版
公寓导游	张大春	时报
城邦暴力团（壹）	张大春	时报
你不相信的事	张惠箐	大块文化
猴杯	张贵兴	联合文学
赛莲之歌	张贵兴	远流出版
我思念的长眠中的南国公主	张贵兴	麦田出版
群象	张贵兴	时报
伏虎	张贵兴	麦田出版
别再提起-马华当代小说选	张锦忠，黄锦树主编	麦田出版
金庸文化旅游地图	弥今	山东画报出版社
方舟上的日子	朱天心	上海文化
荒人手记	朱天文	时报
燕子	朱少麟	九歌
伤心咖啡店之歌	朱少麟	九歌
地底三万尺	朱少麟	九歌
李元看摄影 - 神州觅影	李元	浙江摄影出版社
李元看摄影 - 以影求知	李元	浙江摄影出版社
雨雪霏霏	李永平	天下文化
世界末日与冷酷异境	村上春树	博益
黑夜之后	村上春树	时报
遇见100%的女孩	村上春树	时报
Sydney 雪梨！	村上春树	时报
海边的卡夫卡	村上春树	时报
回转木马的终端	村上春树	时报
东京奇谭集	村上春树	时报
舞舞舞	村上春树	博益
希望之国	村上龙	大田出版
69	村上龙	大田出版
为了诗	杨照	印刻
我的二十一世纪	杨照	印刻
面对未来最重要的50个概念	杨照	印刻
星图	杨牧	洪范书店
完整的寓言	杨牧	洪范书店
天外福星	洼之内英策	商号出版
云的奥秘-图鉴篇	游丕若	人人出版
自由旅行自在摄影	王瑶琴	MOCK
爱在永恒的双翼	理查巴哈	皇冠
名家推荐2004年最具阅读价值演讲谈话	程德培主编	上海社会科学院出版社
可笑的爱	米兰昆德拉	皇冠
光之书	罗智成	天下文化
掷地无声书	罗智成	天下文化
西方哲学史	罗素	商务印书馆
蛇为什么会飞	苏童	一方出版
解寄生	蔡智恒	红色文化
双疯2-狂爱篇	蔡虫	商周
听苯金鱼唱歌	藤井树	商周
寻找遗失的乐园	行瑞	美丽行脚
西西诗集	西西	洪范书店
旋转木马	西西	洪范书店
别闹了，费曼先生 - 科学顽童的故事	费曼	天下文化
费曼的主张	费曼	天下文化
这个不科学的年代	费曼	天下文化
物理之美	费曼	天下文化
费曼手扎 - 不休止的鼓声	费曼	天下文化
你管别人怎么想 - 科学奇才费曼博士	费曼	天下文化
费曼的六堂物理课	费曼	天下文化
鳄鱼手记	邱妙津	时报
鬼的狂欢	邱妙津	联合文学
遇见100%的村上春树	郑栗儿主编	时报
阿保的童话	阿保美代	张老师文化
百年孤寂	马奎斯	志文出版
红字团	骆以军	联合文学
降生十二星座	骆以军	印刻
边荒传说全套（缺五本）	黄易	黄易出版社
土与火	黄锦树	麦田出版
山瘟	黎紫书	麦田出版
灵魂的出口		格林
Net and Books 18阅读的所在		网路与书
倪匡科幻奖作品集 - 百年一瞬		猫头鹰
诚品好读若干本
蕉风若干本
野葡萄杂志若干本
二十世纪台湾诗选		麦田出版
道德经的智慧全集		中国戏剧出版社
呼吸的草		巧手人
自豪与自幸-二十堂名家的国文课		商周
Net and Books 11 去玩吧		网路与书
Net and Books 13 命运		网路与书
Net and Books16 记忆有一座宫殿		网路与书
Net and Books 7 健康的时尚		网路与书
Net and Books 20 少一点		网路与书

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自己的星期天

时间的尾巴太长，前一件事情的后文和下一件事情的前戏重叠衍生成无尽的生活。这两个周末我忙着拍摄朋友的婚礼，和接下来的照片后制处理。昨夜拍摄结婚晚宴后已近午夜，我把照片从记忆卡复制到电脑硬盘后已是昏昏欲睡，倒卧床上一觉至天明。原本约了ｍ去看电影，却因他另有要事而取消。也许前一天的辛劳启发了我放纵时间尾巴的意念。我决定放下处理照片的作业，去过一个自已的星期天。
做了些家务用过午餐后我去了静思书轩，一杯绿茶一些杂志，任思绪在文字里头飞扬，与思考系统的任何部份碰撞。又恰好遇见久违的ｓｈ，我们侃侃而谈了一阵，她还带我去隔邻的社教中心观赏插花展，让我大开眼界。看了最近的两期天下杂志后我离开书轩去到时代广场，看电影MIAMI VICE 。超好看的，那种张力那种阳刚气势，一气呵成看到终场的那种投入。曲终人散，我步广场，细雨纷飞的市景还有烟霾隐隐约约。天色暗下来，星期天步入尾声了。

出嫁

相机又坏了

星期六早上帮朋友拍摄婚礼中途相机突然无法自动对焦，换过镜头再试还是不行。朋友的婚礼正在进行着，我只好硬着头皮用手动对焦，300D的观景器并不是为手动对焦而设计的，我根本捉不准正确的对焦点，只好根据主体的距离来把镜头的对焦圈转至估计的距离尺度，按下快门，祈祷焦点不会偏离太远。拍摄完毕后检查相机，原来是反光镜和自动对焦的反射镜片连在一起了。我把它们分开后自动对焦恢复正常，可是在按下快门时反光镜升起但另一个镜片却没跟着升起，所以阻挡光线进入感应器，拍出来的照片是一半遮黑的。

相机又坏了，续上次电板烧坏不过半年时间。我开始怀疑三点：

1。数码相机的质量

2。二手货的质量

3。100系列的Canon相机可靠程度

是的我的300D是二手货，买了一年多，进厂大修了一次，目前等着第二次进厂，这是冒险的代价。当初我为了跨过数码摄影的门褴而选择了最便宜的方式：二手市场。如今习惯了数码摄影的操作和流程，觉得还要继续下去，我已经在存钱买更好的相机了，希望这300D还能为我效劳到时机成熟时。

还有一个值得关注的题目是一般人对数码相机的应用态度，因为数据的制造无需循环成本，一般人都是机关枪似的拍照，毕竟相机的使用率和磨损率成正比，所以在一般用户来说数码相机不比传统的菲林相机耐久使用。

不管怎样，希望这次进厂不会让我大出血。

好开心的婚礼

同事的婚礼，我毛逐自荐，挑起摄影重任。先放上一些当天的照片。

Python 善用双核心？

今天用家里的Intel Core 2 Duo 电脑来处理一些从公司带回来的数据，第一部分是从6GB的数据里头分析出两种不同应用的数据，再分别写入不同的文件，这个部分由java程序负责。最后得到数据文件两份，1.1GB和18GB。接下来要把每一份文件，根据里头的24种数据组别分割成24份文件，这里用上了Python脚本语言。很简单的，从源文件读取每一行数据，再根据数据的组别字符串分别写入相关的文件。处理那份18GB的源文件比较费时，我让电脑运行着，随便看看Task Manager，竟然发现有两个python的程序在运行，其中一个占用比较多处理器资源，另一个不停的写入I/O。是不是python善用了双核心的处理器，大家分工合作，一个处理算法一个处理写入文件的动作？或者，这只是python的一贯作风，分成不同的子程序来处理不同的动作，不过是刚好碰到了双核心的处理器而更好的发挥？

觅觅生日快乐

九月二十四，觅觅小妹的生日。大伙儿在二十三日晚假椰子屋为她庆生，用意大利面，柴烧披萨和踢辣米酥和苹果蛋糕，还有一桌子的朋友，一束勿忘我，一朵粉红色玫瑰，一个载有所有同事的祝福的幸福摩天轮，一只娃娃小熊，一脸欢喜，连连笑声，无尽的温馨。
小妹又长一岁啦，诚恳地祝福你，所有的愿望慢慢浮现，幸福的方向渐渐清楚。

Choosing The Best Auto Insurance Company

By Peter Crump

Choosing the right auto insurance company is very important since they will be the one to help you settle any auto related mishaps in the future. Auto insurance companies follow a basic set of benefits which they provide their policyholders. They only differ in the premiums. There are auto insurance companies that offer exorbitant insurance premiums and there are also those that offer affordable premiums. But just how can you know that the auto insurance company you have chosen is a reliable company?

A reliable auto insurance company is one that has a good reputation of paying or settling claims in the fastest time possible and pays the correct amount of claims. To check on your chosen auto insurance company you may visit your state's department of insurance web site. You may not be aware of this but every state has its own department of insurance. Nowadays, most of these departments have their own web sites which display consumer complaint ratios of all insurance companies that sell in their state. These ratios will tell you just how many complaints each of the listed car insurance received per one thousand claims filed.

The complaint ratio will provide you with a gauge on which car insurance to choose. Likewise, out of the list of your chosen car insurance you may be able to also get the company that offers the lowest premium quotes. But make sure that your chosen car insurance company has one of the least ratios of complaint. The car insurance that ranks on both lists should merit your strongest consideration.

The next step is to find out which body shops are recommended by your chosen car insurance. Take note of the locations of their accredited body shops. See if there is an accredited shop that is in your area. If they have one in your area so much the better but you still have to check on the auto body shop to see if it has all the necessary auto repair equipment and machines that can effectively answer any auto repair that you may be requiring in the future.

After checking on the auto body shop and you need to ask them about the insurance company that accredits them. They will either give you a positive feedback or a negative one. Lucky for you if it's a positive remark since this will mean that you have finally found the auto insurance that you want. However it is not yet the end of your search since there are still other factors you have to look into.

Additional information on the auto insurance company that you are considering may be found on the J.D. Power and Associates website. This organization is known to collect data from individual policyholders nationwide and asks these same policyholders to rate their auto insurance company according to coverage options, price, claims handling, satisfaction with representatives, including the overall experience that they have with their respective auto insurance companies.

Another factor for you to look into before you finally settle and pay your very first premium is the financial strength rating of the auto insurance company that you are considering. You may take a look at the A.M. Best and the Standard & Poor's ratings. These two companies are known for publishing financial strength ratings of all insurance companies. The financial strength of an auto insurance company will determine its capacity to pay or to settle claims. Auto insurance companies that reflect a very low financial strength ratio would mean they do not have the capabilities of settling claims and therefore should not be chosen.

To find out more about Cheap Car Insurance visit Peter's Website Good Cheap Car Insurance at http://www.goodcheapcarinsurance.com/ and find out about Car Insurance Discounts and more about cheap car insurance.

Article Source: http://EzineArticles.com/?expert=Peter_Crump

关丹行 - 万佛殿

我们是去吃早餐时经过的道路上，认识从远方望去是一间庄严佛寺的万佛殿，不太雄伟，像一个朴实衣装的老伯喁在一角阅读早报。后来我们吃过了早餐回到同一道公路，友人把驾驶盘一扭，我们来到了万佛殿。

“关丹最大的佛寺，有一个很漂亮的园景和湖，后面的山有很美丽的石壁。”，这是友人口中说起的万佛殿。所以我们也没进入殿里，直接到其湖畔公园，第一眼就被古色古香的庭院湖景折倒。那时阳光依偎在云层后，湖浅处不时见到鱼群游过，靠近山壁那头的湖面有悬浮的石头和枯木，乌龟在其上日光浴。我们沿着石砖道走到湖右的小亭子，掬月亭，绕亭的木板椅子和中央的圆石桌，看起来很适合悠闲看书或聊天的空间。不是很大的公园，却有很悠闲很宁静的气氛。友人边行边聊天，我走走停停，拿起相机用另一只眼睛领会这幅景色，一些细节的美丽用心，一些大处的秀丽湖光山色。

关丹行 - 宁静的早晨

关丹行 - teluk cempedak的落暮时分

关丹的咖啡店

关丹有很多间以传统咖啡店的食物为本，用新式装潢和多样化的菜单延伸的咖啡店。这回我和友人去了三间，第一间是在“咖啡店街”（因为那条街有超过四间同样风格的咖啡店），我不记得店名了，据友人说是新开的，因为他也没去过。那是间无论外表或内部装潢看起来都不像咖啡店的餐厅，我想那像餐厅多一点，唯一让她变成咖啡店的是菜单里头的kopi o和咖啡店一贯的涂满咖亚和牛油的烧面包。可是那实在不像咖啡店，因为我们点了炸薯条和法国土司。

第二间是Kemaman Kopitiam，友人说是Kemaman的招牌咖啡店在关丹的分店。我们在那边用早餐，烧面包和Kopi O，还有生熟蛋，典型的咖啡店早点。不同的是咖啡店里头的客人们，少了头发斑白的老伯们，少了报纸，而且还有很多友族同胞。我们很喜欢家乡的一间叫“南洋”的传统咖啡店，她的kopi o和烧面包堪称一绝，是我们记忆里的咖啡店餐点味道准绳。而很可惜的，kemaman kopitiam的咖啡还不错，但其烧面包不好吃，和南洋的香脆口感差远了。

反而是第三间的Old Town Kopitiam烧面包好吃多了，而且卖相新颖，大有突破传统框框但保留传统味道之意。Old Town Kopitiam在吉隆坡也有好几件分行。她的装潢古色古香，贯彻了"old"的风味，但不失舒适，难怪这么受欢迎。这回我点了kopi O Ais，不错的说，虽然感觉上味道还是不够南洋的香浓。

说多了，好像品尝家的口气。其实我对食物并不苛求也对味道不敏感，只是刚好碰上相似的饮食经验，留下一些粗枝大叶的“评测”过瘾。

关丹行–巴士篇

星期六早晨，睡眠都还没转身离去我就被闹钟吵醒。我洗刷后背起背包相机三角架出门，一贯的上班路线，不过这回的目的地是富都车站。抵达车站时八点半，询问过好几间长途巴士柜台后心头一股出游的火狠狠被灭
,去关丹最早那趟巴士是十一点。等巴士期间我在车站买了份报纸，徒步到茨厂街入口旁的麦当劳买了份早餐，无奈的消磨时光。后来才知道这只是无奈的开端，那时候我已经坐在就要开往关丹的巴士上，靠窗的位子，十一点三十五分，巴士已经迟了半小时，还有人陆续上车，有人拿着对讲机来来回回检查空位子。如此不专业的服务态度，我知道他们拖廷开车时间以便招挟更多乘客。于是在吵杂的巴士引ｘ声和窗外乌烟瘴气的车站月台见证下，我发誓以后不搭Sutera Express去关丹了。由于迟出发的连带关系，路途一半我就开始肚子饿了，司机对巴士的不平稳控制吓走了睡意，我硬是啃了两本九把刀的小说，感谢＜少林寺第八铜人＞，总算在笑开的心情下安全抵达。
p.s. 回程时的巴士非常准时，巴士行驶平稳，位子也蛮舒服的，是Konsortium Mutiara 。

想睡觉

星期天的晚上我在即将十二点时入寝，星期一的早晨六点半被闹钟惊醒，尔后的办公室时间我把仅有的神智用来抵抗想睡的欲望。混混屯屯的脑袋加上迷糊的视线，我根本无法工作。所以我怨了两件事：

1-为什么昨晚我那么迟入寝。我暗自希望，自己能够遵守纪律，每晚十点半睡觉。

2-为什么我不能够在办公司里睡觉，只要一小时的睡眠，我就可以精神饱满的回来工作了。

然后我延伸这两件事，说起来也是纪律问题。纪律真的是那么重要吗？自由和纪律谁要让步？如果我能够自由选择上班时间，或者我能够自由选择且安排上班时间的工作方式。如果我想睡觉，我可以睡觉。

或者写部落格，这有助于驱赶睡觉的欲望。

p.s. 纪律也应该因材施教。

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安静的星期六

整个午后都在绵绵雨水中恍恍惚惚，我窝在电脑面前作息着。42C的微处理器对比晴天午后的47C，微凉的房间对比晴天的闷热到大腿和椅子亲密接触成汗水放肆的局面，还有雨的声音，所以有时候我由不得喜欢上雨天。可是连精神也恍恍惚惚的，我没有履行昨天对自己承诺说继续完善画树状图表的Java程式，force directed方面算法太慢，我已经有了大概的点子改善它。想过而已，我的怠慢终究说服自己继续在网页中游荡，看看朋友们网友们的部落格，用文字体验他们的经验。后来雨停了一会儿又再淅淅沥沥下起，我还是做了两件事，把未完成的计划完成：读完了向小明借了好久的《joel on software》，用Norton Ghost 为扣肉做了一个image备分，以后有什么差错的话也容易恢复，我实在不愿为安装操作系统和应用软件再花费时间了。做好的image存放在external hard disk 里，重要的数据资料也在external hard disk做了备份。也想过要写一个脚本来自动把电脑里头的重要资料备份到external hard disk，要是incremental 的，这样比较有效率。不过这是下回的事情了。做完这些以后业已傍晚，雨也停了。之前打算要去静思书轩的念头已经被午后的雨水淋湿，一个人走到附近的马来食挡用过晚餐后跟随A小两口子去家乐福购物，一头涌入家庭日的购物人潮中，狠狠地买了一大堆零食。我知道这不健康，可是我觉得星期六晚上的安静，可以用零食来配料。对了，冰箱里还有一瓶海尼根啤酒，也许能够添加微微醉意。

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电影笔记 - 我要成名

这部电影出乎意料的好看，平实的说了一个故事，没有特意的煽情，没有曲折的情节，大家做好本分，演员们好好的演出，观众们也好好的观赏。也就这样子点到即止，我总觉得意犹未尽，电影好像还可以再多一些细节，再多一点深刻，再多一些精彩对白。不过也算了，本分至少达到了。结局有点突然，不懂是故弄玄虚，点到即止，还是马来西亚电检局的再创作。我跟同行的m说：那个奖是不是他拿到都不重要了，因为大家（电影里头的大家和电影外头的观众）都肯定了他的演出。后来我再回味，才发觉颁奖的晓菲看了得奖名单的欣慰和喜悦已经告诉了我们答案。电影里头有种和电影外头相映的趣味，刘青云和霍思燕的角色恰好和现实相应。惊鸿一瞥的配角也叫人惊喜，尤其是梁家辉“点醒”刘青云的那一段，说的是演戏，也是生活的态度。还有刘青云问母亲他是不是入错行了，母亲的回答很妙：不如我问你另一个问题，我是不是嫁错给你父亲了？ 当头棒喝，我们选择以后就要付出信心全力以赴。m正好在电影前夕诉说了他觉得自己入错行，前途茫茫无所依据。生活中有些偶然很奇妙，m恰好在电影里看到了一个当前的烦恼的解答，这也许不是他的答案，但正好是一个方向，一个出口的形成。

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淡淡的一天晚上

失望是可以转化成哀伤的吧。9点16分我如此想到，那一刻距离我把溢出心底的哀伤用舌头舔一舔觉得味道淡淡的大概是三个小时。我业已沉默的度过哀伤蔓延到最丰盛的时刻，从关闭办公室里头奔波了两个星期的电脑，和同事们一一道别信步走到谷中城底楼的梅迪亚面包店，买了明天早餐的面包，和熟悉的店员寒暄了几句。微笑的招呼热烘烘的不过外头天气凉凉的，心底的温度一下子就冷却了。雨势恍恍惚惚，电动火车依然慢条斯理。我手扶车厢中间的铁支，被一群陌生人包围，他们成群结队各自说着我听得懂的语言，我终究忘了那些话语，经过的声音而已，像车窗外头倒退的风景。你看到了商店，你看到树，你看到马路，你看到行人，你却没有看到树在商店右边挂着满满尖状叶子其中的一些枝干伸展到马路边沿形成天然的遮荫两个披着校服的女生凝视来往的车辆。他们身旁伫立一柱安静的人行交通灯，哭红了眼。在中环车站转轻快铁，继续阅读今早未完的书本，一直到眼睛莫名的沉重起来，我放下书本，站立的假寐，探到最底最底的哀伤处，说我不知道为什么我也不打算理睬。以至后来我隐入庞大的上班族回家人潮，哀伤径自蔓延，我环顾周围的男男女女，高跟鞋的脚步声，说电话的轻轻声线，匆匆越过前面行人的疾步神色。我马上眷养了一首低音的歌，哼着走回家，离开人群。抵达家里这回事如约定好般顺利发生，没有人在中途掠夺，没有人见义勇为。洗澡后一边阅报一边吃东西，依然是体育版比较精彩。社会版的掠夺抢劫谋杀其实可以让我们热血沸腾要拼治安的，如果不是政治版那边厢的特权、危机论或者我们敬爱的领导层愚蠢的决策等太令人心凉的话。哀伤持续着，我打开电脑，动手安装了minGW,MSYS,等着eclipse下载cdt的时候写了这些，让哀伤终于能够流泻出去。

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回家 20060825

What Is Auto Insurance and What Does It Cover?

By Marvin Toller

Every person who drives a car needs the protection that auto insurance can give. If you are involved in an accident in a way that make you responsible for any damage of another person or vehicle the insurance will protect you from financial ruin. All states in America require drivers to maintain liability insurance for their auto. However, this coverage does not provide much protection outside of making sure that if you should be at-fault with another driver that your insurer will step up to bat and pay the bill.

But what if you and your vehicle is damaged, will the insurance cover the expenses? There are a wide very of other coverages available, some that benefit you and some that are rarely used and probably covered by other services you already subscribe to.

If you have a newer car, or one that has a lien against it by a bank or other financial company, you are required to also maintain collision insurance. This type of coverage ensures that your vehicle will be fixed or paid off in the event that you are in an accident that damages your own vehicle and it is your fault. Another widely held coverage is called uninsured insurance. This protects you in case you are hit by a driver who does not have insurance and they are at-fault. Without this coverage it is up to you to try and collect damages from the person at-fault through the legal process which may often take years and never materialize at all.

Other coverages such as ERS (Emergency Roadside Service), rental reimbursement and accident death and dismemberment are purely optional and may hold some value if you are not already protected under another program such as AAA.

When shopping around for insurance coverage be sure to compare apples to apples for rates. It is best to compare just liability, collision and uninsured coverage and then if needed add other coverages on for peace of mind protection.

Marvin Toller is a web publisher who likes to provide Car Insurance Information. Check out 11-car-insurance.com for more great info.

Article Source: http://EzineArticles.com/?expert=Marvin_Toller

终于去了海螺，听见了久违的声音

值得书写的事情有四
1。我点了“喜悦”，你最喜爱的歌曲之一。你说过通常没有人会点这首歌，而你知道，我曾经点过。出乎意料的，你说你当晚的第一首歌就唱了“喜悦”。一贯的你。
2。我的寄语是：“久违的声音更胜从前，笑颜依旧，不亦乐乎”。
3。打烊后你过来和我们打招呼，你说好就没见到熟悉的脸孔来听你唱歌了。我笑笑，我对你说的第一句话是：我终于来听你唱歌了。
4。谢谢华哥请我吃椰子屋披萨（那是去听歌之前的事情了）

p.s. 阿飞，你看，我终究去了。天时地利人和缺一不可，还好华哥得空，所以我有伴，还好我请假，第二天不必上班，有时间。还好华哥提供我在他家借宿一晚，没有交通问题;-)

悠闲的生日白天，好玩的生日夜晚

迷迷糊糊的醒过来已经是早上十点多了。昨夜的迟睡很张扬的在我的身子里头留下了无可磨灭的痕迹，至少是这一整天无法摆脱的麻烦：鼻子开始流泪了。我猛打了好几回的喷嚏，自家事自己知道，我伤风了。电话响起，是公主自新加坡打过来的，他愉快地祝福让我完全从迷糊中清醒过来，真是一个明朗的预兆，我知道快乐的一天开始了。然后我泡了杯五谷粉当早餐，上线和朋友聊了几句就冲匆匆出门，搭LRT去Ampang Park,去Citibank和小倩和lydia会面，我们走路到city square的食堂，小倩请我吃了很美味的瓦堡鸡饭和红豆沙热豆浆，lydia给我一个breadstory的绿茶蛋糕，感激他们，和那一顿写意的午餐时光。过后我们走路回去，我跟随在侃侃而谈的他们后面，静静听他们说话，享受这种熟悉朋友间的细微亲密感。我们在LRT站前挥手道别，我回去Wangsa Maju，又信步走去alpha angle的jusco。在男装部买了件裤子给自己，间中接到了一些短讯，回复了一些，接到了电话，老朋友们约了我晚上外出用餐。付账过后我去了星巴克，还是一样的iced blended mocha，一样的书。一直看到天空变黑、下起雨来。之前约好了cindy，也披着雨势来到。我停止读书，和他随意闲聊，外面的雨声都听不见了。我把身子深深陷入柔软的沙发里，说到痛痒处cindy的笑声一如往常般爽朗，徐徐传染给我。心情从宁静的读书思绪里振奋起来，我们离开jusco后已是傍晚，我独自去搭车和老朋友们会合。和cindy说好了晚上在feeling见面。老朋友就是那种不许言说的亲近，我们一车四人到OUG里头的一间不在闹区的餐馆吃饭，老板娘很会招呼，很亲切的感觉。我们点了四道菜，吃得刚刚好。他们还献上了蛋糕，很好吃的咖啡蛋糕，我们四个人不一会就吃光了。好饱，好满足的口腹之欲。晚餐当儿还收到红苹果的短讯，很有意思的，是一首歌名：今夜你会不会来。我也回了一首歌：举棋不定。后来我们离开餐馆的时候收到了另一个短讯：”怎样“，我回了：“心动”。他马上传来：“情非得以？
”，我和她开玩笑，回复：“命中注定”。。。一直到我和朋友抵达feeling，他看见我时露出一贯的亲切笑容，说起那些短讯，好玩的笑容。朋友们逗留到十点半左右离开，这时cindy和sally等人也到了。他们老远过来与我共度生日夜晚，我还真是又感激又怪不好意思的。后来是红苹果上台唱生日歌，cindy献上了一杯点着蜡烛的雪糕 ，和前一天同样的情景：蜡烛被风扇吹熄了，又得重新点燃，恍如重历时光倒流的错觉。谢谢他们，我又吹熄了蜡烛，sally说的，把往年的霉运都吹掉了。cindy还和红苹果在台上唱了一首“微笑的眼睛”，那还是我第一次听见红苹果唱歌，而且他们特地唱歌点给我听的诚意，飘扬的歌声会一直在我心里荡漾，很久很久都会觉得温馨的那种音色。接下来的高潮就是cindy的表演时间了，他被忆诗要求唱了拿手歌曲，可爱的形象加上可爱的声音加上可爱的面容加上可爱的动作，仿佛王心凌亲临现场，全场振奋。以后的种种热闹都不说了，也说不出来的。我们就那样子呆到feeling打烊，他们载我回家，一路向北。

耳中仿佛还有“今天不回家”这首歌的余韵。。。

谢谢大家，你们的陪伴你们的短讯你们的来电你们的祝福你们的蛋糕你们的请客你们的接送你们的歌声你们的心意。所以我不得不写这篇即使是流水账的文字，做为纪念。

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生日快乐

祝我生日快乐。
谢谢同事们给我的礼物。当天他们给我庆祝的时候用了一个小小的绿茶蛋糕，一只小蜡烛和一只大蜡烛。关于愿望的传统我没想那么多，我当时只是觉得突然间不知道要许什么愿，吹熄蜡烛就对了。刚才我去feeling 2听歌，后来翻起带去的小说，读得入神的时候突然灯熄掉了，我诧异的抬起头来，歌手们在台上唱起生日歌，红苹果捧着一杯插着蜡烛的雪糕款款走来。十二点了，没想到他知道今天是我生日。我呆呆的吹熄了蜡烛，还是不懂要许什么愿。
后来还收到了nypd的短讯祝福，也谢谢feeling的电话祝福。我受到了这么多的眷顾。谢谢爸爸，谢谢妈妈，谢谢婆婆，谢谢姑姑，谢谢家人，他们从小把我带大，成就了现在这个狐狸。
好像得奖感言，其实也算的。活到现在，满受眷顾，心怀感激，这个奖真大。我想，让我身边的人快乐，这是我的愿望。

我的礼物








我想在自己生日时送一份礼物给父母。真巧的是，给父亲的礼物也是一个皮包。给妈妈的礼物是crabtree & evelyn 的护肤品。

假期的第二天

睡到自然醒的早晨别有风味，一屋子的空旷感给人一种慵懒的感觉。我一面阅报一面吃着一贯的全麦面包+花生酱+豆奶的早餐，过后上线逛逛，约了在KLCC工作的友人lydia午餐。好久没见到她了，我们在A&W侃侃谈了一小时多。他说起了上回他去纽西兰旅行的经验，租一辆汽车环岛行，随意停留便宜的motel留宿，那边的山色湖光啊，他说，美透了。我什么时候才要行动去履行自己的去纽西兰摄影之旅的愿望呢？
梦醒后，噢不，是午餐后他回去工作，我径自到邮政局处理信件，那是一份答谢礼，也是惊喜，弄了差不多半个小时后搭LRT 离开。剩下的午后都交给了starbuck的iced blended mocha和刘黎儿的《棋神物语》。间中有一个yayasan selangor基金会的义工来说客，我捐了十块钱。还有朋友的妹妹把出国工作的朋友委托的两本书拿来交给我。如此而已

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扣肉纪元

总算把用了六年的pentium III 光荣退休了。六年的任劳任怨服务期间始终诚恳，虽然速度追不上当前的3D电脑游戏，执行不到Google Earth，甚至连上一些声影丰富的网站也一拐一拐的，我还是要说声谢谢，公元2000年一路陪伴我至今。
今天是假期的第一天，我去low yat 广场买电脑。之前已经做好准备，读了不少现今电脑硬件的技术和潮流等等资料，清单上的电脑零件已经齐全。原本打算以最少的花费来换一部及得上当前应用的微处理器和主机板，却在读了一大堆资料后深深被扣肉（conroe）吸引。双核心、省电、高效能、先进的架构，所以我放弃了原本的选择Pentium D而取Core 2 Duo，多出的成本几乎是一倍。购买过程也很顺利，除了一个小意外：我准备的钱不够。事因预算的主机板Asus PL5LD2-SE不支持扣肉（conroe），（可是根据官方网站最新版本2.0的能够支持conroe），可是那边的店员一口咬定那块板不支持，我也只好相信他们的经验，拿了Asus P5B，Intel 965晶片组，贵了两百多块。所以我准备的钱不足够，唯一的ATM卡已经按爆了。江湖救急当然是靠朋友，等到约好来接我的朋友抵达，向她借钱付账，把扣肉搬回家。
升级硬件还算简单，把原本的电脑系统搬迁到新电脑才是麻烦。不说操作系统和其它软件的安装，说应用软件的习惯性。很多软件都会因为用户的长时间使用累积了大堆个人资料，所谓的personalization。譬如浏览器的书签，缓存（cache）、photoshop的action,script和其他设定、Capture One Pro的camera color profile、MSN Messenger的EmotIcon等等。
我花了一个晚上还只不过把最常用的软件的设定恢复原状，其他的只好等到需要用到获想起的时候才动手了。
这个扣肉系统还有一些问题没解决，它辨认不到我的DVD-ROM，只辨认到CD-RW。我想着应该是Sata和IDE的整合问题，容后在研究尝试。
不管如何，我正式迈入扣肉纪元，希望它能够陪伴我走过接下来的六年。


对了，还买了一个硬盘盒，external hard disk closure，Cooler Master XCraft。 来容纳之前用着的120GB硬盘，将会当作资料储存用。

Finding Great Car Insurance Rates – Top Tips For Reducing Your Premium

By Peter Crump

Finding great deals on your car insurance rates doesn’t necessarily mean that you’ll have to trade your beloved vehicle in for a lower grade model – there are plenty of great ways to reduce the auto insurance rates you pay without downgrading your car. While it is important to compare car insurance rates from different companies, and even for different vehicles, before you commit, there are plenty of other things that you can do to help insure you get a great insurance deal.

Did you know that your overall credit rating can impact the car insurance rates you’re offered? Many insurance companies use credit scoring techniques to determine the quote you’re given, so help to keep it low by paying attention to your credit.

Another figure that can help reduce your insurance premium is the number of miles you drive in a year – the less you drive, the less you’re likely to pay. Walking to the store down the road might be great for your waistline, but it can help your wallet out too.

An important factor in calculating your car insurance rates is the quality of your driving record. Driving safely saves lives, but it saves money too. Not only are driving convictions embarrassing and expensive, their implications are more far reaching: insurance companies will consider them carefully when deciding how cheap – or how expensive – your auto insurance rates will be.

Staying claim free is also an important way to help maintain your cheap car insurance rates. Your No Claims Bonus is, in fact, the biggest single factor in determining your rates, so even should you become involved in an accident, try to keep your No Claims bonus safe. Drive safely at all times, and in the event of minor accidents, pay out of your own pocket if you can.

Keeping your car safe even when it’s not in motion can help secure cheap car insurance rates. Vehicle theft is an important criteria is determining these rates, and most insurance companies will offer a discount for cars that are fitted with security equipment, such as an alarm and an immobiliser.

All in all, car insurance companies love stability, in terms of your car, your driving history, and your life. While it might seem like a drastic way to reduce your car insurance rates, it has been shown that married people often receive cheaper auto insurance quotes when cited as named drivers than single people who are named on the same car. So if you are looking for a great deal on car insurance, be sure to check the safety, security and stability of your finances, your driving style, and your car, and don’t forget to book the church!

To find out more about Cheap Car Insurance visit Peter's Website Good Cheap Car Insurance at http://www.goodcheapcarinsurance.com/ and find out about Car Insurance Discounts and more about cheap car insurance.

Article Source: http://EzineArticles.com/?expert=Peter_Crump

Why Should You Purchase Your Auto Insurance Online?

By Tim Gorman

If you’re interested in slashing your auto insurance bill in half then there’s no reason why you shouldn’t consider purchasing auto insurance online. Buying your auto insurance online is extremely easy and very convenient. The process is fast and only requires filling out a simple form. The best part is you can receive multiple quotes from several different auto insurance providers from the privacy of your own home. You can even search for a new money saving car insurance policy in your pajamas if desire to do so.

Many experts agree that most consumers overpay on their insurance policies due to a lack of shopping around. This includes vehicular insurance. Additionally they overwhelmingly endorse purchasing auto insurance online due to the ability to start your insurance application, save it, and finish later if you get pressed for time. If you’re concerned about the cost associated with receiving multiple insurance quotes don’t be. By applying online you can get multiple free car insurance quotes from one application. You’re also never under any obligation to accept any insurance quote provided – even if it saves you money.

As far as the drawbacks to purchasing auto insurance online there aren’t many. Obviously you’ll have to have access to a computer with an Internet connection and around 30 minutes of free time depending on the number of free insurance quotes you wish to receive. Keep in mind before accepting any quote that you could qualify for a bigger discount from your current auto insurance provider if you carry multiple insurance policies with them. For instance a combination of car, home and life insurance may cost less as a group when compared to purchasing individually.

It’s only natural to have concerns with the privacy of the information the insurance company requires you to fill out on their quick quote provider form. However rest assured that any information you provide is kept secure with encryption technology and will not be released to anyone else to include other insurance providers unless you agree to allow it. You can also feel comfortable in knowing that your credit score won’t be affected by applying for free auto insurance quotes online.

After you’ve found a quote that you like purchasing auto insurance online allows you to either accept the quote right then and there or you can opt to receive the rate provided in the mail. Either way you’re guaranteed to save money. A word of caution, make sure the information you provide on the insurance application is correct. Even the smallest errors can adversely affect the money saving rate that is provided.

Probably the most difficult choice will be which online auto insurance provider to choose from in order to receive your free quotes. Look for a company that has excellent customer service reviews and offers a simple application process that provides multiple money saving quotes. Finally don’t forget to check and make sure that they can actually provide an insurance quote for the state you currently reside in

Timothy Gorman is a successful webmaster and publisher of Best-Free-Insurance-Quotes.com. He provides free insurance information and offers discount home, life and auto insurance that you can research in your pajamas on his website.

Other websites operated by Tim

Cellular-Phone-Solutions.com - Free information and resources regarding cell phones and cell phone plans.

Military-Loans-Online.com – Which provides free money saving loan quotes on all of your loan needs to include home equity loan information.Article Source: http://EzineArticles.com/?expert=Tim_Gorman

爵士音乐会，我和朋友们去。

小明和nad等人约好了到满家乐广场观赏爵士音乐盛会，听说是最后一个星期的演出了。我和朋友在Sri Hartamas用过晚餐后也一起过去参与其盛。当晚很热闹，人潮不绝，大家衣着光鲜，携带伴侣或三五成群盘踞露天广场内的桌椅，一面聊天一面听爵士乐。其实我也不懂爵士乐，但是看着乐手们尽情的玩弄着各种乐器，歌手们尽兴飙歌，充满活力的节奏，我可以感觉到一种即兴的喜悦。于是我可以不说话，坐在位子上静静的拿起相机在微光下拍照，随意拍摄50mm镜头视角内允许的人物，高感光度的杂讯和爵士乐的跳动音符恰好匹配。

Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs

By Peter Crump

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. Cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.

So if you have found a discount car insurance broker don’t just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And there’s ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

7 Cheap Car Insurance Tips

1. Look at your deductible amount. This is the amount that you pay first out of any claim. The cost of your policy is directly related to this amount. Many people, particularly those who have had their insurance policy for a long time, have never considered whether they ought to vary their deductible. If you have a good driving record and are prepared to increase the risk of paying a larger amount in the event of a (hopefully unlikely) claim you can save money by increasing your deductible.

2. Have a look at the type of car you drive. Certain types of cars attract higher car insurance rates. Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If you are buying a car then find out which makes and models these are before you buy.

3. Drive carefully. Although it sounds a little trite to say it, your car insurance cost is a factor of your risk profile. You won’t get cheap car insurance if you have had 3 speeding fines and 2 accidents in the last year. These things are all taken into account and you should take care with how you drive. It all adds up onto your bill. There are big safe driver discounts available.

4. Considering installing safety and anti theft devices in your car. Again these affect your risk profile. If you have a car that is safer and less at risk of theft it should be cheaper to insure. And if you have a car with certain safety devices now check that your insurance company is aware of these, if not tell them.

5. Look at your policy when it comes to renewal time, don’t just pay. There are some things that you can vary in your policy that will affect the cost. Often there are some things there which duplicate other insurance that you may have that can be eliminated. Be critical, look carefully and ask questions about all these before you renew your policy.

6. Have a look at who your other insurers are. Many insurers offer a discount for multiple policies. If you insure your house with a certain company then ring them up and find out if they do car insurance. Get a quote from them. Find out what discounts they offer.

7. Find a good online discount car insurance broker before renewing. The internet is a fabulous resource. Use it. There are all sorts of discount insurance brokers online where you can get fast quotes from a wide range of companies. Don’t just settle for the same company you always use. Car insurance rates vary all the time. Always get comparable quotes before renewing any policy.

So if you’re in the market for cheap car insurance there’s some ideas for you. Don’t just accept that car insurance is always prohibitively expensive, get out there and do something about it.

For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers and find out about Car Insurance as well as Cheap Car Insurance and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.

Article Source: http://EzineArticles.com/?expert=Peter_Crump

How Do I Lower My Auto Insurance Rates?

By A. Chris Tijerina

Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates.

If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.

If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount.

If you get married and are in your teens or twenties call your insurance company and see about combining your policies.

Take defensive driving if your state allows it for a discount.

See if increasing your comprehsive and collision deductibles will save you a lot of money. You need to compare what you're saving and how much more you will have to pay if you file a claim. For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year.

It will take you 5 years to break even from what you are saving compared to how much more you have to pay.

Now, if it saves you $250 every six months then it would be more worth your while.

See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount.

One of the biggest ways you could save $200-$500 or more a year is shopping around for insurance. The auto insurance industry is very competitive and this is great news for smart consumers like yourself. Shop for auto insurance quotes here and see how much you can save.

A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.

Article Source: http://EzineArticles.com/?expert=A._Chris_Tijerina

8月9日，新加坡国庆

早上好。今早我出门的时候天才亮不久，一贯的清晨气息，空气中有种潮湿的味道，马路旁的人行道有人走路（他们都和我怀着同样的目的地），候车亭里有年轻的男女，拉曼大学的巴士开到他们徐徐上车。我数着脚步在人行道上自在的行走，不过活跃的脑子却静不下来，胡思乱想以至我一直忘了数到哪里。经过住宅区的菜市集后我转入安静的小路，是的我不喜欢商店前的大路，我每次都选择住宅区里头的小路。总会遇见同样的阿嫂们提着菜篮子，或是主妇们在住家前面晾晒衣服。我在7。25分抵达轻快铁站的月台，排在候车的人群后头。很快的有一辆轻快铁开到，人潮涌入后车厢还有空间，我不踏上车，在月台上距离即将开动的轻快铁还有一公尺的地方，四处张望我在某一天的这个时候邂逅的一个女子，我还记得他的头发，我想我能够辨认他。

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Auto Insurance Tips Guide

By Mansi Aggarwal

Like our life needs to be protected against the unwarned dangers, our assets too should be shielded from all kinds of damages that can happen to them. Unlike few centuries ago, nowadays one of the major assets of people is their vehicle. Automobiles especially cars are incredibly expensive these days and on the same hand there is a surge in the crime against the vehicles. This makes it mandatory for every person to get his/her vehicle insured and so secured.

Auto insurance thus is the ideal means to cover your vehicle against danger of accident, theft and other incurred losses. Auto insurance covers the insured party, insured vehicle as well as the third parties. Each item is covered under different circumstances specified by different polices. Besides this some auto insurance policies may additionally cover medical expenses, personal injury protection and no-fault insurance.

Auto insurance is becoming more and more popular day by day. As a result at present numerous insurance agencies are offering auto insurance and thus people find it easy to choose from different policy packages available.

However before choosing auto insurance policy there are several crucial things to be considered. Some of which are listed below:

1. Prior to purchasing an auto insurance policy get as many price quotes as possible from different companies. This can be done online, through visiting the agencies personally or through an agent. Always go with a company that is financially stable.

2. Always check the cost of insurance before purchasing a car or any other vehicle. The car’s sticker price, the cost to repair it, its safety record and chances of theft are the factors that comprise the car insurance premiums. The information regarding which car to buy can be acquired from the Insurance Institute for Highway Safety.

3. Always make it a point to look for higher deductibles. Deductibles are the amount paid prior to implementation of the policy. High deductibles greatly lower the costs. But opt for higher deductibles only when you have enough money kept aside to pay it if you have a claim.

4. You must bear in mind the fact that the coverage of the car varies with its worth. So the coverage is less on older cars and more on a brand new car.

5. If you have more than one car, prefer taking its insurance from the same insurer or if the insurance agency that has insured your house also offers auto insurance, go with it only. This will not just be playing safe but you may also get some discount on the policies.

6. Always try to maintain a good credit record. This helps in fetching you a good insurance policy for most often insurers use the person’s credit information to rate auto insurance policies.

7. Draw the benefit of low mileage discounts. Some companies offer discounts to motorists who drive less than average or estimated number of miles per year.

8. You can also avail the facility of group insurance. Some companies offer discount to drivers who get insurance through a group plan.

9. Last but not the least before purchasing an auto insurance policy, keep one thing in mind that companies offer discounts to policyholders without any record of accidents or of disobedience of road rules etc.

Mansi aggarwal recommends that you visit Auto insurance tips for more information.

Article Source: http://EzineArticles.com/?expert=Mansi_Aggarwal

爱尔兰咖啡

第一次知道爱尔兰咖啡是在痞子蔡的同名小说里。昨天逛了KL摄影节后和nottyboy偕行到大将书行隔壁楼上的ikopi喝咖啡，第一次喝到爱尔兰咖啡。威士忌和咖啡豆的舞蹈，搅拌而成的风格触动了我的味蕾。我不常喝咖啡，也对咖啡没什么执著，第一次去到慕名已久的ikopi，咖啡很好喝，还有很舒适的环境，和非常亲切的招待。离开时我们和负责人道别，我已经在想着下回我要带你们来这里喝咖啡了。

technorati tags:ikopi, 咖啡

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蠢蠢欲动

昨天去雪华堂逛了今年度的KL摄影节。说是摄影节，其实也不过是针对摄影发烧友的小小嘉年华，集器材买卖摄影讲座照片展览于一处。原本我还打算买一个三脚架来接替我那已经风烛残年的SLIK脚架，可是目标的Manfrotto代理商摊位常年挤满了人，而且展出的脚架也实在不多，我竟连仔细察看的兴致都没有。后来在另一个摊位看见以z开头的本地牌子脚架，销售员说是仿Manfrotto而制的，品质大致，价钱便宜了一大半。我在场端摩了好一会儿，并没有被价格打动。我想我毕竟是在新加坡的国泰摄影处亲手摸过gitzo脚架的，开始有点明白了质量的差别是能够用手感觉出来的。有点后悔当时为什么不就买下，我知道那才是我理想的脚架，有信心能够用上一辈子的那种。

逛到Canon处，慷慨的Canon展出了5台相机，各自配上了名镜，从18-55 F2.8到28-300 3.5-5.6L。我从350D一路体验到1DsMark2，深深体会了专业级机身和业余低端机身的显著差别，手感、操作、功能、观景窗里头的资讯等等，1系列机身永远是Canon用家的终极理想，那不止是一种得到最好工具的喜悦，还是个人摄影历程的一个里程碑。我也想拥有一架1系列的机身，不过5位数的价格让我知道我没有能力拥有。再退一步，5D也不错，刚好五位数的价格还是远远抛离了我的欲望。最后只有30D了，那是我唯一升级的选择。

都只是盘算而已，欲望没有限度，自己的经济能力到哪里总有个谱。也许我该下定决心，努力存钱，五年后为自己挣得一部1系列的机身。

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How Do I Lower My Auto Insurance Rates?

By A. Chris Tijerina

Since there are many factors that go into determining your auto insurance rates, there are many chances to lower your rates.

If you change jobs and your drive to work changes or you stop working or you work from home, you should contact your insurance company.

If you have a teen driver and they go to school over 100 miles away without a car then you should be able to get a discount.

If you get married and are in your teens or twenties call your insurance company and see about combining your policies.

Take defensive driving if your state allows it for a discount.

See if increasing your comprehsive and collision deductibles will save you a lot of money. You need to compare what you're saving and how much more you will have to pay if you file a claim. For example, if you go from $500 to a $1000 deductible and it lowers your insurance $50 per 6 months then it saves you $100 a year.

It will take you 5 years to break even from what you are saving compared to how much more you have to pay.

Now, if it saves you $250 every six months then it would be more worth your while.

See if combining your auto and home insurance polices will qualify for a multi policy discount with your current company. This could be a substantial discount.

One of the biggest ways you could save $200-$500 or more a year is shopping around for insurance. The auto insurance industry is very competitive and this is great news for smart consumers like yourself. Shop for auto insurance quotes here and see how much you can save.


A. Chris Tijerina has over 3 years of experience in the auto insurance industry and has seen many different people deal with auto insurance related problems. http://www.insurance-for-cars.com answers many of the questions facing drivers today.

Article Source: http://EzineArticles.com/?expert=A._Chris_Tijerina

TeamBuilding 2006

忙碌了大约两个星期后终于处理好拍摄的照片，欢乐的脸孔和嬉笑的片刻通通被封装在照片里，大伙儿们只要一打开档案，就会有顽皮的回忆精灵跑出来说：你是我的最快乐的始作俑者。
我还想用文字眷念一遍，虽然nypd和nottyboy已经在各自的部落格写下了点滴。

说起Team Building，我们最害怕的是舞台表演，经过了前两次的宝贵经验，我们知道舞台表演这个环节是最受管理层欢迎，也是最熬时间最熬经历的活动。无它，只因为我们必须在Team Building前几个月内准备服装道具排练等等，而这些东西都是在放工后才能够进行，实在要求大家牺牲各自的休闲时间。尽管今回我们这一组决定一切从简，正当别的组忙碌准备的时候我们冷眼旁观，直到最后时刻才甘愿准备一切，我还是感到了压力，尤其是临行前两天必须处理好剧本和配乐，我还真担心赶不及，也顾虑到我们的表演太简单而别的组表演太精彩而被谴责的尴尬。唉，这就是分别心了，顾虑不是必要的，倒不如象同组的nottyboy，带着一颗尽力而为的自在心情去面对。此为前话，一旦踏上旅途，我的心也就放下来了，轻松游戏人间的心态。




nad 和她的头巾，说起这片巾，那是我们的设计小组精心制作的时间行程表，一手一脚缝纫然后亲手写上去的。创意得来又很有诚意。


去Desaru的旅程大约6个小时，大伙儿在巴士上当然没有闲着，忙着解决这次的第一项挑战：逻辑推理游戏。我们这组自认逻辑好的三个人：小明、宝和我忙碌了大约两个小时才理出答案，以为答对了，怎知道却错了一大半，当真是一子错，满盘落索。我还真是有点挫折感的，因为类似的问题我之前念书时遇过，当时是Prolog逻辑电脑语言的一项功课，当时好不容易解到答案，想不到这次却栽了。巴士错过了一个路口，我们的旅途多花了一个小时，那时我们都累了，没有嘻闹没有喧哗，nad坐在我身边，我让他戴着我的耳机，用IPAQ播着我常听的歌曲。他看起来有点消沉，我说要点一首快乐的歌曲给他。于是他听见了“holding out for a hero”,Shrek 2电影里头的一首歌，激昂而振奋。就这样子我一首一首歌的播着，后来她睡着了，我把音量降低，就让我播的歌曲成为他的安眠曲吧。
抵步后我们拿了房间钥匙放好行李就享用下午茶，然后开始第二项活动：风筝制作。夜晚是BBQ night，大家必须穿上符合主题的衣服出席，主题是fun and funky。那是个很好玩的晚上，每个人都被分配代表一个好莱坞明星，其中还有些被选上舞台表演那些明星的经典电影片段。晚餐后是休息时间，我们的组长英明，没有要求排练，我躲在房间读小说然后睡觉，一直到第二天早晨，当nottyboy拍摄过了黎明时刻的海滩，我才姗姗起床。





活动时候
第二天的活动就像往年一般，游戏和tele-match。这次的tele-match有一项在沙滩推脚车的竞赛，一个人骑在脚车上，而其他组员用力推。不知道是这个游戏太危险还是我们太笨拙，总之有好几个人受伤，说我那一组就好，小明和我都割伤了脚。还好我们有合格的红新月会救伤员，Reena大展身手，为我们一一护理伤口。其中有一个模仿土人吹筒的吸水管吹飞钉的游戏很有趣，我们被要求在五公尺外吹钉射破挂在椅子上的气球。我竟然不差，两次射击都命中目标，不过最厉害的还是阿炳，他三发六中，威尽全场。接下来的夜晚就是重头戏，舞台表演。之前每一组都有半个小时彩排，我们那一组还在准备着道具，也算我们运气好，从酒店方面得到了最重要的灯光来源：一盏高色温的荧光灯，恰好作为营造我们用布匹模拟的“海浪”的最佳光线。然后我们开始口头彩排，说好了大家到时根据音乐即兴表演配合剧本的情节。虽然有点战战兢兢，可是我们最后还是很顺畅的在8分钟的配乐里顺畅无阻的演出完毕，大家都松了一口气。当然那个时候我们完全没预料到我们的演出会得到最佳演出的奖项，这已经是后事了。
第三天。。。待续吧

一些人物特写



摄影中的nottyboy,前面的俊男是Ryan




别有风情的牛




猛男kenny




可爱的mimi




沉思中的++




nad 和神射手阿炳

Wangsa Maju区的黑暗，拉曼生的羔羊

Second student slashed in robbery
另一宗抢劫案

很抱歉我必须在开心的毕业照片上面张贴这样子的文章。

我真的在思量着，我要不要随身携带一把蓝保刀。

technorati tags:robbery, wangsa maju, 抢劫

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毕业了

红苹果的毕业典礼，除了家人，朋友们都跑来献上祝福。那种欢乐的气氛不需要说太多，看照片吧;-)