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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