Igen, ez a változás természetesen érinti az esküvődet is, de ha az esküvőipar is szinte percenként fejlődik, ha napról napra újabb ötletek és megvalósítások látnak napvilágot, akkor miért szerveznéd az esküvődet most is úgy, azon az elven, ahogyan tette azt a barátnőd 2 éve vagy tették a szüleid néhány tíz évvel ezelőtt?
Az esküvő szervezést is hozzá kell igazítani a változáshoz!
Nem engedheted meg magadnak, hogy ne legyen tökéletes az esküvőd. De mi kell ehhez? Hogyan érhetsz el fergeteges hangulatot? Esküvő szolgáltatók interjúi között számtalan meglátás olvasható:
"Nagyon sok múlik a zenekaron, a vőfélyen valamint a társaságon. De leginkább a zenekaron."
"Lehet hogy furcsán hangzik, de nem elsősorban a vőfélytől. Sokat hozzátehet, sokat segíthet, sok múlik a zenén, de legtöbb a násznépen. Ha „nem veszik a lapot”, akár meg is szakadhat a vőfély. Persze ilyenkor is meg kell oldani a dolgokat."
"Főleg a zene és a vőfély összhangja a násznéppel."
Olvasd el Atlantis Band esküvői zenekar hogyan vélekedik erről.
Thursday, July 23, 2009
Saturday, May 12, 2007
You can get auto insurance ratings from a number of services. But do these ratings really tell you what you need to know? Here's the inside scoop on how find the best rates with the best companies.
Auto Insurance Ratings
As a former insurance agent I'm often asked, "What's the best insurance company?" My answer is usually, "Best in terms of what? Biggest? Best known? Most solvent? Best rates? Best service?"
There are three major services that provide auto insurance ratings - A.M. Best, Standard and Poor's, and Moody's. However, their ratings focus primarily on a company's financial strength.
Nice to know if you're an investor or an insurance agent trying to impress potential client. But what you really want to know is how good a company's service is and how fast they pay their claims.
The best way to find out this information is not to check a company's ratings, the best way is to ask the company's customers.
But what if you don't know anyone who's dealt with a particular company?
There's an easy way to get the inside scoop on insurance companies. It's a little-known site where actual customers rate companies on such things as customer service, response to claims, and even website experience.
My favorite part is the review section where customers pass on their experiences with various companies. It is, to say the least, a real eye opener.
Be careful when you read the reviews because some of them look like they were done by insurance company employees ("These guys are the greatest!"), and some were done by their competitors ("These guys suck!"). As in the Olympics, toss out the highest and the lowest ratings, or at least take them with a grain of salt, and go with the majority.
Comparison Shop First
If your looking for the cheapest insurance rate with an A-rated company there are websites where you can get multiple quotes from top-rated companies. My advice is to check out one of these sites first to get the best quote, then check out the company.
Friday, April 20, 2007
Looking to get the cheapest car insurance quote you can? Here's a step-by-step guide that will show you how.
Go Shopping
Rates for the same insurance coverage can vary from one insurance company to another by as much as $1,000, so the first thing you need to do to get the cheapest car insurance quote is go to an online insurance comparison site. There you can get quotes from various companies so you can compare them and get the cheapest rate. One of the best comparison sites is listed below.
Get Discounts
In order to get rate quotes from one of these sites you'll be asked to fill out a questionnaire where you can list the types of coverages and discounts you want.
Here's a list of the biggest money-savers:
1.You can save 10% to 15% on your insurance premium by increasing your deductible from $100 to $500. You'll save 25% to 30% by increasing it to $1,000.
2. If you have two cars you can save 10% to 15% by insuring them with the same company.
3. If you have an older car that's not worth a lot you can save 15% to 30% by eliminating collision and comprehensive coverage.
Other money-savers include:
- Eliminating medical coverage if you already have medical insurance.
- Requesting discounts for security and safety devices such as anti-theft devices, car alarms, and air bags.
- Eliminating towing and car rental coverages if you already have them or don't want them.
Check Companies
The cheapest car insurance may not be cheap at all if your insurance company refuses to pay a claim. So before you buy your insurance, I recommend going to epinions.com to see what actual customers have to say about the various companies and what their claims experience has been.
Friday, April 13, 2007
While auto insurance is the thing that almost every car owner has to deal with, not anyone wants to take the trouble of seeking affordable auto insurance quotes. However, no one would refuse if they were offered a good deal. It is just about the time people whish to spend on the quest for a better deal. Time is precious and here are the tips that will allow you to get a cheap auto insurance without wasting your precious time resources.
Before the Internet emerged in our lives, it was a rather difficult task to compare available quotes from different companies. People had to spend long hours on the phone to get a piece of a valuable information. Now, with the Internet, everything is much easier. You can switch on your computer and get quotes from several companies within a few minutes. Lots of insurance companies and agencies have their websites online and with the help of special forms you can request available auto insurance quotes. The vast majority of companies provide this service with no charge.
There are some other legitimate ways to decrease insurance rates. Insurance companies would greatly appreciate if you gave them as much detailed information about yourself as possible. Your marital status as well as vehicle’s safety features may have an impact on the insurance rate you’ll be offered. Uncertainty costs more then transparency. Insurance companies will offer you more affordable rates if they know about you everything they need.
Manipulating deductibles is another way to influence on your insurance premiums. High deductibles will allow you to get lower insurance premiums. For instance, if you raise your deductible for a couple of hundreds of dollars you’ll get a reduction of a hundred dollars. But you should be ready to take the financial burden in case an accident happens.
By installing anti-theft alarm systems on your vehicle not only you reduce the chances of your car being stolen but also lower your insurance premiums. Insurance companies consider such cars less risky, which means they are potentially less expensive for insurers. As a result your insurer may reduce your insurance premiums.
Most of auto insurance policies include coverage for medical costs. This is a reasonable option unless you already have a health insurance policy that covers you in case you are injured. And if this is the case you may consider excluding medical costs coverage from your auto insurance policy.
While you are in chase of lower insurance rates, don’t forget to check the credibility history of the company you’re going to deal with. Established insurers with a long history should be your primary targets. And find out whether the company you’ve chosen has a license to operate in your state, otherwise there is no reason for you in such a company.
Monday, March 19, 2007
Looking to buy auto insurance online? Want to get the cheapest insurance rate with the best insurance company? Here's how ...
1. Comparison shop - Insurance rates can vary as much as $1,000 between companies, so the first thing you need to do is get quotes at an insurance comparison site before you buy auto insurance online. (See links below)
2. Increase your deductible - Raising your deductible by a couple of hundred dollars can save you up to 50% on your insurance premium.
3. Drop your collision and comprehensive coverage - If the cost of collision and comprehensive coverage for an older car is more than the cost of repairing that car, consider dropping these coverages.
4. Bundle your insurance - Including your auto insurance with your homeowners insurance can save you 15%.
5. Use one company - If you have two or more cars you can save up to 15% by insuring them with the same company.
6. Drop duplicate coverage - Eliminate your medical coverage if you're already covered under you heath insurance policy, and drop towing coverage if you're covered by AAA.
7. Install a security device - Most insurance companies will give you a discount if you install a car alarm or other anti-theft device.
8. Request discounts - Ask your insurer what discounts are available and take advantage of them. Get all the discounts you're entitled to for such items as automatic seat belts, airbags, and anti-lock brakes.
9. Check ratings - You're not saving a dime if your insurance company won't pay your claim. I recommend going to epinions.com to see what actual customers have to say about various auto insurance companies and how they pay their claims.
A car accident can be a scary time in anyone’s life. Even if the damage is minimal there is a police report to file, the other driver to deal with and an auto insurance claim to file. If it is your first accident you may find yourself overwhelmed and unsure what to do first. Fortunately filing a claim is a step by step process that is relatively simple to learn and understand.
The success of your auto insurance claim will be determined by many factors. What you say and do at the scene of the accident, the completeness and accuracy of the police report, the accuracy of information that you receive from the other driver and the speed with which you make the insurance report can all affect your ultimate claim results.
At the Scene Never admit fault. In most jurisdictions “relative fault” comes into play for insurance purposes. Even if you clearly did something wrong, the other driver is obligated to try to avoid hitting you. If he did not do everything possible to avoid the accident then he may be partially at fault. Relative fault is complicated and best left to experts to determine. Simply stick to the facts and be honest but avoid discussions of fault.
Make sure to get the other driver’s full name, vehicle information and complete insurance information, as well as a contact number. Insist on a police report even if there is only minor damage. Write a statement for your own records at the scene if possible or as soon as you get home.
You should report the accident to your insurance company as soon as possible. Your insurer will send you forms which must be accurately completed. Be sure to call the insurance company if you need any help with the forms, as these forms will be the primary documents used to investigate your claim. The insurer may also request the police report and the other driver’s insurance information. The next steps will depend on the insurance company’s determination of fault, their normal procedures, and the type of insurance you have.
If the other driver is determined to be at fault then his insurance company may offer you a quick settlement, especially if you were injured. Take time to review the settlement offer and if possible, have an attorney look it over. You will need to make the determination as to whether the offer is fair and reasonable. Your other option is a lawsuit, which can be costly and time consuming. Only you and your attorney can decide which choice is right for you.
Although a car accident and the accompanying paperwork can be scary and intimidating, the actual process of filing a claim is a step by step and relatively simple process. Follow the above tips and do not hesitate to ask questions. You will be successful in filing your auto insurance claim.
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