What You Need To Do To Get Cheaper Car Insurance


If you have been wondering how to get cheap car insurance, look no further. All of the information that you need is right here. By using these simple tips, you can dramatically lower your car insurance rate, saving you a lot of money over the course of the year.

1. Improve your credit score. Work on getting your credit score as high as possible. Insurance companies use your score to determine how much to charge you. In general, the higher your score is, the lower rate you will have to pay.

2. Avoid flashy vehicles. Cars that are designed to go fast or that look sporty tend to be more expensive to insure. Instead, opt for something like a minivan, a family sedan, or an understated SUV. These types of cars usually have the lowest insurance rates.

3. Ask about discounts. Most car insurance companies offer a variety of different discounts to their customers. They may have discounts that you don’t know about. For instance, you may be able to qualify for a discount by taking a driving seminar or by maintaining good grades in school.

4. Compare rates. Although it has most likely been drilled into your head over the years, it really does pay to compare insurance rates from different companies. It doesn’t take long to get a quote from each company online. When you are done submitting all of the forms, you should be able to easily determine which company offers the best deal on insurance.

By following these easy steps, you can get dramatically cheaper car insurance for your vehicle. This, in turn, can add up to major savings over time. In fact, you may be able to save hundreds of dollars a year on your car insurance just by implementing some of these ideas.

3 Ways To Reduce Your Risk Of Getting Cancer

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Cancer is one of the leading causes of death in humans and as a result, you may be concerned about developing this disease. So, in this post, we will be looking at a few helpful tips that will reduce your risk of getting cancer.

The first tip is that you should stop using microwaves to heat your food. Most people use their microwave multiple times per day but aren’t aware that this device omits radiation. The levels of radiation are very low, but if you use it many times per day, it can certainly add up. This can cause the formation of cancer cells, so you should avoid using it as much as possible.

Next, you should stop eating red meat and too many meat products in general. This also includes processed meats like sausages and bacon. These meats contain a lot of chemicals and cancer causing agents that should be avoided.

Lastly, the final tip is that you should focus on eating lots of organic fruits and vegetables. It is important that you eat mainly organic foods since these haven’t been exposed to harmful chemicals and toxins.

In closing, we have just covered a few tips to help you reduce your risk of getting cancer (you can also visit lifeshieldhq.com for more tips).

Making Yogurt

Making Yogurt Using Powdered Milk

2 c. very warm water

3/4 c. non-instant dry milk powder

2 T. plain yogurt with active cultures

Put warm water in blender. Add dry milk 2 to 3 T. at a time, blend until smooth after each addition of dry milk. Then add plain yogurt, again blend smooth. Put mixture into a clean, dry glass quart jar with wide mouth  (it will be more than half full).  Use chosen method for yogurt making.  Will have 4 to 5 servings.

Save out 2 Tablespoons  of plain yogurt  to use in  making next batch, as recipe above  directs.  After making  several  batches  using  own  yogurt  for starter, purchase plain yogurt with cultures again, to refresh.

  Whatever method works for your individual situation, the goal is to give

          yogurt a steady warm atmosphere of around 110º, enabling

             cultures to develop and yogurt to thicken undisturbed.

OK..here is where I am having problems helping others with a method, because we use the following way, and not everyone can do this.  We set a plastic lid on the jars very loosely, NOT tight at all.  Then put it into an Excalibur dehydrator (we bought it over 20 years ago)  that has the shelves removed (except for the very  bottom  shelf  so jars aren’t sitting right on the bottom metal). Our shelf, though a bit flexible, holds up to two quart-sized jars. We then turn dehydrator on 110º  for about 4 hours.  Remove  jars  of thickened  yogurt,  allow to cool a few  minutes,  then  refrigerate  with  lid  tilted  just  enough  to allow warmth to  slowly  escape  while  yogurt  cools  (though  this yogurt is  fairly thick it will  thicken a bit more as it cools).  Lid can then be secured/tightened.  Use within one week.  We like to add some sugar and vanilla. 

I have searched other methods in order to make suggestions; since a dehydrator may not  be available.   Some use a yogurt maker;  others use an oven method, or a crock pot method.  Or a heating pad turned on medium heat, place folded  towel on top of that /place jar on towel  /cover all with another thick towel /do not disturb until done.  Others wrap heated mixture in towel, put into insulated coolerMost of these methods take up to 8 hours for yogurt to set. 

Crock Pot Beans

An easy way to cook dry beans. We have been cooking beans this way for years  Just recently, I read about bringing the dry beans and water to a boil, then put into crockpot.  Will have to try that….will let you know….

2 cups dry beans, sorted and rinsed in a colander.  Put  into  a crock pot with 5 to 6 cups water.  Cook on low 6 to 8 hours, until tender.  Never add salt/other ingredients until  beans  are tender,  as salt and  acidic  ingredients  inhibit the beans from getting tender.

Flour Tortillas and Crackers

2 c. unbleached flour  [or switch around: 1 c. unbleached + 2 c. w.w. flour]

1 c. whole wheat flour

2 tsp. baking powder

1 tsp. sea salt

1/3 c. oil

up to 1 and 1/4 c. hot water (start with 1 cup)

Easy method: (put ingredients into a gallon zip-loc bag for easy mix/kneading)

Unbleached flour, whole wheat flour, baking powder, salt. Cut in oil. Add 1 cup hot water.  Knead dough,  adding  1 T. of extra water at a time, as necessary until dough is soft but pliable enough to stretch. Divide into 8 balls. Completely cover; let rest 40 to 60 minutes. Take one ball at a time, keep others covered.  Using a rolling pin: roll dough from center out, turn a bit, roll  from center out;  repeat this process until dough about 1/8-inch thick;  they  don’t  have  to  be perfectly round;  will  still  taste  wonderful.  Brush each rolled tortilla very very lightly with flour, stack; keep covered while rolling out remaining balls one at a time.  Place rolled tortillas, one at a time (keep others covered), on preheated dry (no need to add oil or butter) medium-high skillet.  Cook 20 seconds, or ’til light brown spots form on the bottom of tortilla. Flip over, cook about 10 to 15 more seconds.  DO NOT over-cook,  as you want the tortillas to be soft.  If any get a bit ‘crispy’, put them into a plastic bag to cool;  this should  soften  them.  Again, do not over-cook.

Makes 8 tortillas, enough for the 4 burritos and 4 mexi lentil wraps /one person as part of the 30 day thrifty meals plan.

Flour Tortilla Crackers: a frugal money saver

Cut each cooked/cooled tortilla into 6 triangles, place triangles in a single layer on ungreased baking sheet;  bake 350° for 11-15 minutes (until crisp).