Getting your free adware and spyware program

With adware and spyware programs becoming a perennial threat in the online world, it would be wise to have your PC always protected. There are literally hundreds and hundreds of spyware and adware programs lurking somewhere on the Internet, looking for a chance to get into your PC. Some of them may require that you click into one of their links in order for them to get into your system. But there are other more malicious programs that will actually force their way into your system if you are not that careful.


Once inside your computer, these malicious programs can do a lot of unpleasant things. Some adware programs will try to bombard you with a number of ads while you are browsing on your computer. No matter how many times that you try to get rid of them, they still keep coming on to you. 


They may suddenly pop up over the website that you are currently browsing, therefore distracting you to take notice of their ads. One time won't bother you at all. But sometimes these ads can get so persistent that they already become a hassle. They begin to disturb you and you may want to get rid of them.


There are also other programs that may bother you in a different way.  These are spyware programs that can get as malicious as can be. These programs can get downloaded into your system secretly without you knowing it. And just like what the name implies, spyware programs try to spy up on you in a variety of ways.  They can monitor your surfing habits and send it to someone from the outside who might find a use for it. 
Where to Find Adware and Spyware Scanning and Removal Tools


Some spyware programs can log all your keystrokes. This can be very invasive and compromise your way of life. Such programs may be able to get hold of your secret personal information without you knowing it. 


Through a spyware program that records all the letters and number that you punch in your keyboard, email addresses and passwords can be obtained. If you make purchases with your credit card online, this type of spyware program may be able to get your credit card number and other important credit information that may compromise everything. 


There are also spyware programs that can force itself into your computer and do its dirty deed. It can scan into your computer hard drives and may make changes in your system. It may change your security settings and allow other malicious programs to come in. this type of spyware program can also prevent you from using certain legitimate programs and instead force you to use another type of software instead. 


All these malicious programs can really become a serious problem if left unchecked for a long time. What you may need is a special software that may be able to scan your computer and search for unwanted programs like these and remove them effectively. Such programs may also be able to block such malicious programs from ever getting into your PC.


There are some software programs available online that offer you free scanning and removal of spyware from your PC. You can choose from a variety of legitimate programs that will be able to effectively do the job for you and for free. But most of the times, these free online spyware scanning and removal tools may not be able to provide you with the full protection that you need. You may need to purchase a spyware and adware removal software that may be able to provide you with the most comprehensive spyware protection that you 

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American Inventions

The history of how America emerged as the premier superpower in the world is about more than just a great military or a homeland so rich in natural resources that we were able to become the breadbasket of the world.  There are many forces that combined in the American experiment that has made this country so great.  One of those great forces is the phenomenal inventive minds that have graced America virtually since its inception.  Starting with the powerful mind of Benjamin Franklin, the history of inventions that started in America and transformed the world is lengthy indeed.


The computer has become so much a part of our lives that we forget that it was once invented.  The history of the development of this “futuristic” device is long and filled with genius.  The actual first prototypes of the computer were developed by the Defense Department, which is oddly the source of a lot of the great innovations in American history.  But it was the early PC developers including Steve Wozniac, Steve Jobs and Bill Gates that took the computer to the level of familiarity we know it to be now and made computers a part of our everyday lives.


Most world changing inventions have a profoundly positive influence on mankind’s quality of life.  But an invention that did not improve life but destroyed it is also an American invention that changed the world.  That invention, of course, is the Atomic Bomb.  Developed by the fabled “Manhattan Project”, this bomb changed everything about war, diplomacy and the way nations relate to one another.  And to find a positive amongst all the death the bombings in Japan brought about, that bomb may be one of the key elements that brought an end to a horrific war, World War II.  And in the long run, that is a conflict that the world breathed a sigh of relief when it came to an end.


There is a joke that makes its rounds frequently during political jesting that “Al Gore invented the internet.”  If he had invented it, he would be a world changing inventor for sure.  But it is not out of line to declare that America invented the internet.  Again, the original primitive retypes for what became our modern internet was the work of the American Defense Department as a measure to insure that America’s computer security was guarded by decentralizing the network.  From this simple goal, the vast World Wild Web has emerged that has transformed everything about how we look at communication, information and knowledge.  We have American ingenuity to thank for that.


But of the thousands of American inventions that have done so much in the fields of medicine, technology, research and communications, none can compare to an invention by a brilliant thinker by the name of Henry Ford.  That invention, obviously, is the automobile.  Just like with some of the other inventions we have talked about, we can hardly imagine a time where there was no such thing as an automobile.  


Mr. Ford’s amazing invention literally transformed society not just in America but around the world.  From it came the freeway system and an overhaul to how cities and towns are organized and linked together.  And while there are downsides to the widespread use of automobiles, it has been a huge leap forward for America and civilization as a whole.  And Mr. Ford, like any of the inventors we have talked about and thousands we have not, would see the betterment of mankind as their greatest calling.  America has hosted this great calling for centuries and will continue to produce brilliant inventors such as these for a long time to come.

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Dust Kills Cleaning the Unit Fan is Essential Computer Care

Between taking care of the household, the kids, the pets, and the district PTA, computer care is probably one of the last things that you think of doing on a regular basis.  Without a regular maintenance schedule however, you could find out (the hard way) that a neglected computer is an energy hog - one that works harder than it needs to and one that could be a financial burden to replace.


Let's talk about maintaining hardware.  So much emphasis is put on maintaining a computer's operating system that we sometimes forget how important it is to maintain a computer's hardware components. Since there can be quite a few components to take care of, let's talk about the most important one.


The most important component of a computer's hardware system is its fan. The fan is located on the computer's CPU unit and when that thing gets clogged with dirt and dust, it can run down a computer faster than you can say, "Something's wrong with my computer and I don't know what it is!" In short, the fan is responsible for keeping a computer's motor cool and this motor is what keeps the computer's hard drive and peripherals functioning the way you need them to, which translates to "fast." 


A dirty fan doesn't rotate fast enough to keep that motor cool and a completely clogged fan just stops rotating altogether. This causes the computer's motor to work harder - and a harder working motor can raise the electric bill! Worst case scenario: the motor can overheat and stop working as well. No motor equals no computer. 


Keep your computer's fan clean by preventing the fan from getting dirty or dusty in the first place. Use the computer in a dust-free environment and never smoke around it. Nicotine and tar mean certain death when it comes to computer fans, however should you find a need to clean the fan, do so with extreme care.


It's quite easy to cause more damage from cleaning so if you're not comfortable with cleaning your PC yourself, take it to a shop for servicing. Otherwise, you can unplug and disassemble the computer to do it yourself.


You'll need a can of compressed air and an anti-static rag to remove stubborn clumps of dust. Hold the can perfectly vertical and spray the fan being careful not to spray the dust off the fan onto other sensitive parts of the computer like circuit boards or inside the motor casing. Wipe up remaining dust with your anti-static rag and then reassemble the computer.


One thing that you certainly don't want to use to remove computer dust is a vacuum cleaner. Although using a vacuum cleaner seems to make more sense, the strong suction of a vacuum cleaner can actually spark damaging static electricity or dislodge loose cables. You also don't want to use oil-based cleaners. Although Pledge may dust your wooden tables and cabinets to a perfect shine, the oil inside a cleaner like this will erode sensitive computer parts. Stick to a liquid-free dusting method and your dusting routine will be safe enough to repeat as often as you need.


As previously mentioned, preventing dust from entering the computer is extremely important and will reduce the need to open and dust your system in the first place. The severity of outside elements (smoking, humidity, pets, etc.) will ultimately determine how often you'll need to de-dust your machine. But as an average, you shouldn't need to perform this procedure any more than once or twice a year.


The entire exercise should take no more than twenty minutes tops and once complete, you'll immediately see and hear the difference in your machine. The computer's keyboard and mouse will run more smoothly, hardware won't take as long to connect, and the entire machine won't be as loud as one that's corroded with ugly dust bunnies.

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Cheap Domain Names

In order for people to access a website, they must first enter in its associated domain name.  This is a word or phrase that denotes the name of the site and/or summarizes what it is about.  Even free web hosting companies offer domain names, but there's an essential difference.  With free web hosting companies, the domain names offered are in the form of third level domain names.


This means their domain name must be included when a person is trying to access the third level domain.  The only problem with this is that it makes a domain name long and hard to remember.  For this reason it's best if a person considers just buying their own domain name.  And with the availability of cheap domain names, it is possible to get one that is very affordable.


Cheap domain names can range from being completely free to around $6.95.  Usually free domain names that are worth anything are included with a web hosting package.  So, a customer is technically still paying a fee.  The other types of domain names that require a fee can be purchased separately without a web hosting package.  The prices for these start at $1.00 and go up from there. 


When a person purchases a cheap domain name, the overall registration process is the same as it would be for regularly-priced domains.  This means that first they would have to see if their domain name is available.  To do this they must enter in their desired domain name in a special text box, then select the extension they want.  If the domain name is available, they are free to purchase it.  If it is not available, they will have to choose another domain name.  Cheap domain name companies will offer suggestions on alternative domain names when this scenario occurs. 


Are there any downsides to using cheap domain names?  Unfortunately, yes.  If a cheap domain name company is unscrupulous, a person may never receive a domain name at all.  What happens is the company tells the customer to wait a few days for the domain name to become active.  However, at the end of the timeframe, the domain name still doesn't work.  And since the company is unscrupulous anyway, emailing customer service won't do anything.


How can a person ensure they don't encounter a fraudulent cheap domain name company?  First and foremost they need to check to see if it is registered with the Better Business Bureau.  This is an organization that ensures businesses are operating in a legitimate manner.  Secondly, they need to see if the company has normal contact information, such as an address and a telephone number.  Thirdly, they should see if the company has a bad reputation on message board dedicated to webmasters.  Of course, one may not always get an opinion on a particular company but if they do they will know to stay clear of it. 


Yet, if a cheap domain name company is legitimate, there is no other disadvantage to getting a discounted domain name.  They work just like regularly priced domain names, so if a person has one available to them they definitely need to take advantage of it. 

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Mayan Calendar and 2012 Phenomenon

The Mayans were an advanced civilization who inhabited the Americas before the arrival of the Europeans. The civilization consisted of several indigenous but related tribes and collectively they created a civilization which was on par with that of Ancient Greece in field of scientific advancements made.

The Mayans had a special penchant for time keeping. They understood time as something sacred and believed it their duty to keep track of the days. The Mayans had developed three separate calendars for different purposes:

1. TZOLKIN: It was a 260-day calendar mend to keep track of religious ceremonies and other festivals.

2. HAAB’: It was a 365-day solar calendar and kept track of ordinary days. It was very much like the calendar we use today.

3. LONG COUNT CALENDAR: It is this calendar which is so famous. The Mayans, it is believed, used this calendar to keep track of both the distant past and possibly, the ‘future’.

Because the Mayans considered time as a cyclic phenomenon, all three calendars were created in a way that they reset themselves after a certain period. The first two – Tzolkin and Haab’ – reset every 52 years but the Long Count Calendar reset after (roughly) 5,125 years and what has made this Long Count Calendar so famous is the fact that it is going to reset again on 21 December, 2012.

When the Europeans arrived on the American continent, all but four Mayan books were burnt so it is hard to exactly find out what the Mayans themselves thought of the Long Count Calendar. However, it is has been interpreted, from the what little survives, that the Mayans believed that the Gods had destroyed three races of humans for not keeping track of time – Mayans themselves considered it a sacred duty – and considered themselves the fourth race.

There are some modern researchers too, who claim to have found a relation between what is going to happen in 2012 and the Maya Calendar (Long Count) and:

1. JOHN M. JENKINGS AND THE MAYA

John Jenkins, an American author and independent researcher, has combined this interpretations of what the Maya knew with modern astronomy.

It is an established fact that on 21 December 2012, the Earth, the Sun and the Galactic Center are going to be in a straight line (galactic alignment). Call it a coincidence or what but the Long Count Calendar also ends on the same day.

On the basis of this John Jenkins asserts that the Mayans were aware of this phenomenon and performed several rituals on the day.

2. DANIEL PINCHBECK AND THE MAYA

This author believes that the human society has reached a phase of development and expects the coming of the Golden Age, as described in Quetzalcoat (a Mayan myth), in 2012.

Another author and professor, Jose Arguelles, argues for the abandonment of “artificial” Georgian Calendar (the calendar we use) and employ, instead, more “natural” Maya Calendar to facilitate the coming of Golden Age.

3. I CHING AND THE MAYA

Terence McKenna, and author and metaphysician, studied an ancient Chinese book I Ching (or Yi Jing) and concluded that history would reach a climax in 2012. It would be a time, during which, everything that can happen will happen. It was only later that he heard that the Maya Calendar had was resetting on the same date.

What is the Long Count?

The Long Count is really a mixed base-20/base-18 representation of a number, representing the number of days since the start of the Mayan era. It is thus akin to the Julian Day Number.

The basic unit is the kin (day), which is the last component of the Long Count. Going from right to left the remaining components are:

uinal	(1 uinal = 20 kin = 20 days)
tun	(1 tun = 18 uinal = 360 days = approx. 1 year)
katun	(1 katun = 20 tun = 7,200 days = approx. 20 years)
baktun	(1 baktun = 20 katun = 144,000 days = approx. 394 years)

The kin, tun, and katun are numbered from 0 to 19.

The uinal are numbered from 0 to 17.

The baktun are numbered from 1 to 13.

Although they are not part of the Long Count, the Mayas had names for larger time spans. The following names are sometimes quoted, although they are not ancient Maya terms:

1 pictun = 20 baktun = 2,880,000 days = approx. 7885 years

1 calabtun = 20 pictun = 57,600,000 days = approx. 158,000 years

1 kinchiltun = 20 calabtun = 1,152,000,000 days = approx. 3 million years

1 alautun = 20 kinchiltun = 23,040,000,000 days = approx. 63 million years

The alautun is probably the longest named period in any calendar.

When did the Long Count Start?

Logically, the first date in the Long Count should be 0.0.0.0.0, but as the baktun (the first component) are numbered from 1 to 13 rather than 0 to 12, this first date is actually written 13.0.0.0.0.

The authorities disagree on what 13.0.0.0.0 corresponds to in our calendar. I have come across three possible equivalences:

13.0.0.0.0 = 8 Sep 3114 BC (Julian) = 13 Aug 3114 BC (Gregorian)

13.0.0.0.0 = 6 Sep 3114 BC (Julian) = 11 Aug 3114 BC (Gregorian)

13.0.0.0.0 = 11 Nov 3374 BC (Julian) = 15 Oct 3374 BC (Gregorian)

Assuming one of the first two equivalences, the Long Count will again reach 13.0.0.0.0 on 21 or 23 December AD 2012 - a not too distant future.

The date 13.0.0.0.0 may have been the Mayas’ idea of the date of the creation of the world.

What is the Tzolkin?

The Tzolkin date is a combination of two "week" lengths.

While our calendar uses a single week of seven days, the Mayan calendar used two different lengths of week:

• a numbered week of 13 days, in which the days were numbered from 1 to 13
• a named week of 20 days, in which the names of the days were:

0. Ahau	1. Imix	2. Ik	3. Akbal	4. Kan
5. Chicchan	6. Cimi	7. Manik	8. Lamat	9. Muluc
10. Oc	11. Chuen	12. Eb	13. Ben	14. Ix
15. Men	16. Cib	17. Caban	18. Etznab	19. Caunac

The diagram at left shows the day symbols, in the same order as the table above.

As the named week is 20 days and the smallest Long Count digit is 20 days, there is synchrony between the two; if, for example, the last digit of today’s Long Count is 0, today must be Ahau; if it is 6, it must be Cimi. Since the numbered and the named week were both "weeks," each of their name/number change daily; therefore, the day after 3 Cimi is not 4 Cimi, but 4 Manik, and the day after that, 5 Lamat. The next time Cimi rolls around, 20 days later, it will be 10 Cimi instead of 3 Cimi. The next 3 Cimi will not occur until 260 (or 13 x 20) days have passed. This 260-day cycle also had good-luck or bad-luck associations connected with each day, and for this reason, it became known as the "divinatory year."

The "years" of the Tzolkin calendar are not counted.

When did the Tzolkin Start?

Long Count 13.0.0.0.0 corresponds to 4 Ahau. The authorities agree on this.

What is the Haab?

The Haab was the civil calendar of the Mayas. It consisted of 18 "months" of 20 days each, followed by 5 extra days, known asUayeb. This gives a year length of 365 days.

The names of the month were:

1. Pop	7. Yaxkin	13. Mac
2. Uo	8. Mol	14. Kankin
3. Zip	9. Chen	15. Muan
4. Zotz	10. Yax	16. Pax
5. Tzec	11. Zac	17. Kayab
6. Xul	12. Ceh	18. Cumku

In contrast to the Tzolkin dates, the Haab month names changed every 20 days instead of daily; so the day after 4 Zotz would be 5 Zotz, followed by 6 Zotz ... up to 19 Zotz, which is followed by 0 Tzec.

The days of the month were numbered from 0 to 19. This use of a 0th day of the month in a civil calendar is unique to the Maya system; it is believed that the Mayas discovered the number zero, and the uses to which it could be put, centuries before it was discovered in Europe or Asia.

The Uayeb days acquired a very derogatory reputation for bad luck; known as "days without names" or "days without souls," and were observed as days of prayer and mourning. Fires were extinguished and the population refrained from eating hot food. Anyone born on those days was "doomed to a miserable life."

The years of the Haab calendar are not counted.

The length of the Tzolkin year was 260 days and the length of the Haab year was 365 days. The smallest number that can be divided evenly by 260 and 365 is 18,980, or 365×52; this was known as the Calendar Round. If a day is, for example, "4 Ahau 8 Cumku," the next day falling on "4 Ahau 8 Cumku" would be 18,980 days or about 52 years later. Among the Aztec, the end of a Calendar Round was a time of public panic as it was thought the world might be coming to an end. When the Pleaides crossed the horizon on 4 Ahau 8 Cumku, they knew the world had been granted another 52-year extension.

When did the Haab Start?

Long Count 13.0.0.0.0 corresponds to 8 Cumku. The authorities agree on this.

Did the Mayas Think a Year Was 365 Days?

Although there were only 365 days in the Haab year, the Mayas were aware that a year is slightly longer than 365 days, and in fact, many of the month-names are associated with the seasons; Yaxkin, for example, means "new or strong sun" and, at the beginning of the Long Count, 1 Yaxkin was the day after the winter solstice, when the sun starts to shine for a longer period of time and higher in the sky. When the Long Count was put into motion, it was started at 7.13.0.0.0, and 0 Yaxkin corresponded with Midwinter Day, as it did at 13.0.0.0.0 back in 3114 B.C.E. The available evidence indicates that the Mayas estimated that a 365-day year precessed through all the seasons twice in 7.13.0.0.0 or 1,101,600 days.

We can therefore derive a value for the Mayan estimate of the year by dividing 1,101,600 by 365, subtracting 2, and taking that number and dividing 1,101,600 by the result, which gives us an answer of 365.242036 days, which is slightly more accurate than the 365.2425 days of the Gregorian calendar.

(This apparent accuracy could, however, be a simple coincidence. The Mayas estimated that a 365-day year precessed through all the seasons twice in 7.13.0.0.0 days. These numbers are only accurate to 2-3 digits. Suppose the 7.13.0.0.0 days had corresponded to 2.001 cycles rather than 2 cycles of the 365-day year, would the Mayas have noticed?)

In ancient times, the Mayans had a tradition of a 360-day year. But by the 4th century B.C.E. they took a different approach than either Europeans or Asians. They maintained three different calendars at the same time. In one of them, they divided a 365-day year into eighteen 20-day months followed by a five-day period that was part of no month. The five-day period was considered to be unlucky.

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World's Top Golf Resorts: Train and Play for Your Vacation!

The finest golf resorts in the United States, Europe, Mexico and the Caribbean can be your choice for your next vacation. Make it a train-and-play golf vacation! So many package deals are available to make your trip much more than a break from your routine. A golf vacation will be a practical experience of improving your golf game, enjoying a phenomenally peaceful and luxurious setting, and visiting a different state or a different country! This planning guide will point you to some of the best-rated golf resorts in the world.

Whether you ultimately book for yourself or through an experienced golf travel specialist, begin your research online where you can find premium golf courses and travel bargains. Rates, resort amenities and golf course details are available. But look further for the packages that include airfare, hotel accommodations and green fees to get your best value. The typical packaged Golf Resort Vacation will include most of these features:

• Airfare
• Resort Accommodations
• Confirmed Tee Times
• Prepaid Green Fees
• Shared Cart for 18 Holes
• Equipment Rental
• Golf Lessons
• Meals at Exclusive Restaurants
• Transfers to the Course
• Transfers to the Airport
• All Taxes and Service Charges

Golf courses are planned in lovely surroundings where you can take in sea breezes or views of lush vegetation, and you can combine golf with other resort amenities to provide a well-rounded vacation.

For instance, try one of the many glamorous Club Med Golf Resorts with beautiful fairways in the most unforgettable, inviting locations around the world. Club Med offers deals including the best equipment and golf lessons for all levels! Its locations include Cancun, Mexico, as well as Punta Cana in the Dominican Republic. Other locations span the world: Turks and Caicos, Mauritius, Portugal, France, Italy, Brazil, Thailand, Morocco, Egypt, Senegal, and in the United States--Sandpiper Bay, Florida.

Scotland has some of the most beautiful golf courses in the world and there are approximately 100 resorts, called "golf hotels," among the 500-plus golf courses throughout the country. Best known are Turnberry, Gleneagles and The Old Course Hotel St. Andrews. Each of these has spa, leisure facilities, excellent restaurants and "golf tuition" packages for all levels.

Mexico has numerous golf resorts perched in luxurious coastal locations. There are golf resorts at Cancun, Acapulco, Puerto Vallarta and Los Cabos. Also, Mexico has its championship Baja version of California's famous "Pebble Beach" golf resort, called Bajamar, only a few hours' drive from San Diego in Ensenada.

For the United States, check online for some of the golf resorts suggested by key magazines such as Golflink's which publishes The Top 100 United States Golf Courses. This issue ranks the best out of more than 21,000 public and private golf courses across the country. However, within that one hundred courses, you want to search for the resorts with package programs and golf lessons. Among the top hundred, you will find that the main vacation-destination states with golf resorts are in Arizona, California, Florida, Nevada, South Carolina and Texas. Let's review these states for their best locations:

• In sunny, always temperate Florida, Club Med's Sandpiper Bay Golf Academy offers 2-day and 3-day golf courses. The Academy includes all aspects of the game, such as Chipping, Putting, Bunker, Pitching and Lob Shot, Full Swing with Irons and Woods. A video analyzing your swing is provided, as well as an optional video comparing your swing to that of a pro player. Also, the area within and around Miami has regional golf resorts for year-round vacationing. Each resort offers on-site amenities and services, both on and off the course, and minutes away from major Miami attractions, like South Beach and Miami MetroZoo. You will have a multitude of options during a golf vacation here.


• Arizona has a climate that is suitable for many months of the year and Scottsdale has nearly 200 golf courses, many with the picturesque backdrop of the Sonoran Desert. It is a golf destination with golf schools and pro shops. Here, many resorts offer high-quality accommodations and championship golf courses. Most golf resorts offer packages where hotel guests can have discounted green fees. Also, Sedona, Arizona, offers numerous golf resorts with a mild year-round climate and spectacular red-rock scenic views.


• In California, Pebble Beach has been known for being a small coastal golf destination nestled in beautiful Monterey County. It is home of the prominent Pebble Beach Golf Links, the Pebble Beach Lodge and the prestigious Inn at Spanish Bay. Each year, golfers return to rub shoulders with golf professionals and experience nature at its finest on the magnificent golf course laid out by leading golf course designers. The harmony of golf layouts and the majestic coast are awe-inspiring!


• Another golfer's paradise is conveniently located along the south Atlantic coast at Hilton Head Island, South Carolina. It combines natural beauty and world-class golf on a barrier island 12 miles long and five miles wide. Nicklaus, Palmer and other golf legends have frequently played these championship courses. Since the first course opened at Sea Pines in 1961, there are now emerald links at Harbour Town and outstanding courses in Bluffton, as the Hilton Head area has become a major golf center. It is legendary for its spectacular views of the Atlantic Ocean, scenic marshes, and maritime forests with abundant wildlife. The temperate climate and year-round sunshine also makes Hilton Head Island the perfect place to tee off.


• Las Vegas, Nevada, is quietly emerging as one of the United States' fastest growing golf destinations amidst the glitz and glamour of its casinos. The city's huge convention center and innumerable hotel rooms make it a natural haven for large-scale golf events. With the year-round sunshine and mild temperatures, and plenty to do after a full day of playing golf from gambling to seeing entertaining shows, this golf destination will continue to grow.


• CNN ranked Austin, Texas the No. 1 city for golf in its Golf.com of 2010. Framed by the Texas Hill Country, Austin's golf courses are among the best in the United States. The region is highlighted by the Wolfdancer Golf Club which was named No. 56 in Golfweek's top 100 resort golf courses in 2009. In addition to being a great contemporary music city, and home of numerous celebrities, Austin offers vacationing golfers great barbeque, an idyllic, year-round climate and luxury accommodations.

Your best package deal will be at all-inclusive resorts, where air flight, lodging, meals and golf activities are rolled into one price. On the other hand, consider traditional hotels and resorts in the locations suggested. With a little online planning, one of the finest golf resorts in the world can be your affordable choice. Enjoy the location, the exploration of the region while you improve your golf game and provide a joyful, well-rounded vacation for your family and loved ones!

(c) 2012 Elizabeth McMillian

Elizabeth McMillian enjoys writing about her personal interests, including travel, exercise and cycling. She is an architectural historian, a former editor at Architectural Digest and the author of five books and numerous articles. If you are a beginner or a golf enthusiast, learn more about choosing your ideal equipment at http://www.golf-club-complete-sets.com/

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

Article Source: http://EzineArticles.com/6901064

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Free Insurance Quotes - Cheap and Simple Way to Manage Our Savings

Have you checked your insurance for better insurance rate quotes lately? Many people ignore this just because they don't want to go through all the troubles looking for insurance rate information or comparing rates, and decide to stick with the old companies which they think have already given them the best rates and coverage even if the rates are raised by the companies. If that is what happen, they might have missed the chance of getting better rates and coverage offered by other insurance companies on the market.


In every insurance company, insurance rate is dynamically changed through time. There are so many aspects that can influence the rate changing whether it is an external or internal factor.


Government rules and policies, political and economic situation, business atmosphere such as number of competitors, or even a natural disaster could be considered as external factors that give effect to an insurance rate as well as the coverage. For example when the political situation is getting hot which might trigger some riots or civil commotions insurance companies will raise their rates since the risk factors are increasing, and they might lessen the extend coverage for RSCCTS (riot, strike, civil commotion, terrorism, and sabotage) or give an extra charge for the items. But if an insurance company finds a lot of competitors on the market selling the same insurance product, this could make the company lower their rate and sometimes offers a better coverage and service.


While the internal factors usually have something to do with the loss and profit of an insurance company. Let's say insurance company A provides auto insurance and homeowner insurance. Due to a catastrophic in one area, they have to pay out a large amount of homeowner insurance claims. To cover the loss over the homeowner insurance claims, the company may raise premiums for their auto insurance customers. But if the company is in a profitable year they might lower their rates to attract more customers. Beside that, certain record of costumers might also affect the insurance rate like credit history or driving record in the case of auto insurance.


Since there are so many factors that could affect the raise or decrease of insurance rates, we can be sure that there is no guarantee we will continue to receive the best rates from the time we signed with an insurance company. Like I said before, insurance rate is dynamically changes through time, so even if we still pay the same rate like the first time we signed with an insurance company or even lower than that, we still have a chance of getting a better insurance deal on the market.


To ensure we are getting the best rate, best is to make a regular review of our policy and then make a comparison against the offerings from other competing insurance companies. Not like in the past, when to obtain insurance quotes could take a lot of time and waste so much energy since we have to spend hours on the phone and having lots of meetings with different insurance agents, today we can easily get free insurance quotes from the internet. This could be done in a very short time, only by filling out the online questionnaire and without lifting the phone or leaving home, we already can obtain free insurance quotes from many different insurance companies.


We can get free insurance quotes from insurance company websites, insurance broker websites, or from any other insurance websites that have free insurance quotes tool. If we'd like to have a more detail information on coverage and services of an insurance product beside the rate, we can get a free insurance quote from insurance company websites. But this way, we're going to have to travel from website to website to get quotes from other insurance companies and also we have to fill the questionnaire form again and again. So if we'd like to save a little time and energy, we can get free insurance quotes from insurance consulting websites that offer free insurance quotes. We can easily find these websites by simply type "free insurance quotes" on the search engine, and we'll find hundreds of websites offering to give free insurance quotes. The best thing is we don't have to visit another websites to get insurance quotes from different insurance companies and usually we only have to fill the questionnaire form once. These kind of websites usually also give tips on how to get the best rate, coverage, and other insurance services.


To obtain sufficient information from free insurance quotes to be able to help us in making comparisons and determine which insurance company will we choose, here are some things should be noted:


o We must determine from which site we will ask for an insurance quote based on our needs. If we want more detailed information about coverage and services provided by an insurance company is better to directly ask for quotes from the insurance company's website. We should also do this if we want an insurance quote for specific types of insurance such as the antique car insurance which has many different aspects from the general car insurance. But if we wish to make a quick comparison and intend to more detailed information later on, we can go to any insurance site which provides a free insurance quote for many different insurance companies, and be sure we pick the site which has a large amount of insurance company database so we can have a lot of choices to compare.


o Determine what kind of coverage we really need and how much money we prepared, and what amounts of coverage needed to protect us. Because the insurance market is sometimes like a shopping mall that often tempt us with products that are irresistible, so we often fall and spend money on something that we don't really need.


o Fill the questionnaire form with accurate data, if we do not feel confident about what we have to fill in one column, it's better to ask or look for documents that can help us fill, in case of auto insurance maybe we can prepare the vehicle documents, driver license, and any related documents. If the insurance object is under insured, the policy's declarations page can help you a lot in filling the form. Answer all the questions in the form truly and don't hide anything, this is the only way for us to obtain an accurate quote.


o Ask free insurance quotes from at least three different companies to be able to get more alternatives. If we ask for quotes from different sites, make sure to enter exactly the same information so that we can get a balanced comparison.


o Do some experiments by changing information or value in various fields that can affect insurance rates and consider the results of the calculation to see which one best suits our needs and budget, then do the same thing with quotes from other insurance companies in order to make comparisons. For example, generally if we increase the deductible value and decrease the amount coverage then we shall have a lower rate. Or in case of auto insurance, number of drivers and average mileage can also affect the rate. But please notice that there are some fields which also affect the rate that we cannot change like driving record in case of auto insurance or health record in case of health insurance otherwise we won't get an accurate quote.


After getting a rate quote that suits our needs and budget, we can continue to do a further check to the insurance company and the insurance plan. Remember, that the cheapest quote doesn't necessarily mean you will get the best value on your coverage and good coverage doesn't always come from a big company. Here are what we have to do after getting rate quotes:


o Look beyond the amount of money to what the coverage actually covers. Pay attention to the several other factors that could affect the claim process and payment as well as the length of the claim process, also find out what is not covered in the policy exclusions. We can get the information on the website if it's available there or best is to contact the insurance agent to get more sufficient comprehensive information.


o Check the history and reputation of the company, since having insurance covers from an experienced and reputable company can give us peace of mind. Find out whether they provide high quality costumer care or if there were complains about the company performance. we can find testimonials or experts review on an insurance company concerning these issues.


o There's nothing wrong to follow our instinct as long as we also use common sense in deciding which insurance company we should choose. We can go with the company that makes us feel most comfortable as long as it gives a nice rate and coverage based on the insurance quote. Pay attention if the agent or company representative able to answer all our coverage and policy questions or whether the agent treat you with courteous and respect. After all, we always want to have insurance protection with the best rate and service.


After we have made our mind and choose one insurance company to insured us, we shouldn't stop trying to get more discounts or lower rate. Besides raising up the deductible amount which can give us up to 15-30% lower rate, there are still many other things that can lower the insurance rate such as:


o If the insurance company handles a wide range of insurance products consider having all our insurance provided by this company, this will give us a great discount on our premiums.


o In the case of auto or homeowners' insurance, ask the company about multi-family price reductions for coverage. If there is a price reduction, consider to purchase multi-family over a single type of insurance from the company. We can also get discount by having well-security system for the vehicle / house.


o We can also choose to make annual premium payment to save money. That's because most insurance companies do charge a service fee if we make quarterly or monthly payments since this increases the risk that we won't pay the next month. Some insurance companies don't charge these fees but do give us a discount if we pay our entire premium in one lump sum. While that might seem too expensive of a bill to pay at once, we could always put back the amount of the monthly premiums into a savings account each month then we'd have the full amount to pay the yearly premium


After we have got the best coverage with the best rate, all we have to do is to keep it that way by avoiding things that can cause us to lose some protection and rate increases. For example, in case of auto insurance, we should be a safe driver, avoid accidents, and try to avoid making too much claims. As for homeowners' insurance, we can try to minimize our liability risks by placing fence around the pool or having adult supervision when anyone is at home. We might also consider small repairs yourself without making a claim.


This way we can maintain the coverage and the low rate we already have although it's not 100% guarantee it will stay that way for a very long time. That's why we still have to make a regular review of our policy especially at the end of an insurance period to get the best deal on the market by taking advantage of free insurance quotes available, since the rate might easily changed every time.


Get more insurance tips at http://einsurancer.com Original post at einsurancer.com.


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