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Read through if you want to enjoy discount home owner insurance: If you're looking for lower rates for superior coverage then you have to be aware of some simple things that could save you much. Here are some...

1. Let your insurance carrier be paid your premiums automatically and you will get you a good discount. If you do NOT have an idea on how to do this, ask your banker or agent. In addition to saving you in premiums you'll also save yourself much time and hassles.

2. A group policy will cost you less. You should be aware if your employer gives such. Some associations have also arranged discounts for their members with home insurance carriers so find out if yours has such.

But before you buy, check if you can get a lower home insurance premium with another company than that offered your association. You can find an insurance company that your association has no form of affiliations with that offers your profile a far more affordable rate. There's fierce competition in the home insurance industry and you can take advantage of this to get lower premiums if you spend some time to do extensive shopping and comparisons.

3. Shatter-proof windows will bring good savings. Therefore, replace your regular windows with these more so if you reside in areas that are troubled by high winds and hail storms. Always remember to brief your agent whenever you take such a step. You can also meet with your agent first before making the changes as he or she is in a better position to advise you on how to save the most.

4. You will pay less if you've got motion-sensitive lighting in your home. Burglars will avoid any place where their activities will be easily observed. And motion-sensitive lighting does this exactly. Your rate will be reduced you'd have lowered your home's risk of burglary through this type of lighting.

5. Smoke and fire detectors will go a long way in reducing your home's fire risk. If you have them in all the relevant areas of your home you'll enjoy a discount. Furthermore, remember to change their batteries as stipulated by the manufacturers.

Detectors mean fires are quickly noticed and extinguished before much damage is done. Do NOT forget that anything that lowers the chances of a fire in your house reduces your rate.

I've prepared a free but high value 21-day ecourse that will show you over 120 sure-fire ways to cut down your insurance rates. Sign up for it here...

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As always, you can cut down your rates now by getting quotes here...

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Chimezirim Odimba writes on insurance.

Feverish Metal Balls It's ironic--the only cure for fever is more fever. Armed with a small metal ball shooter and your wits, your job in Peggle is to take on the legion hordes of pegs that stand between you and victory or a high score. Peggle is an unusual game for sure, but possibly one of the most addictive I've ever played, and definitely an interesting study in where gaming is headed.

To win a level, a Peggle master must shoot a limited supply of balls at an array of pegs to clear a number of randomly-marked orange pegs. Along the way there are bonuses, powerups, extra balls, and the sometimes-strategic-sometimes-random ball catcher to help you recycle your shots. Beware though, it won't always be easy even with the help of your animal friends. As time goes on the boards become filled with traps, pegs that move, and unique geography to block access to important locations on the board.

So simple, yet so addicting. Peggle is a beautiful blend of skill and luck that leaves you feeling in control of situations that you aren't in control of at all. The path of the ball is deterministic--there is little random chance in Peggle--but you'll need a PHD in "bouncy metal ball" math to accurately predict where it's headed beyond the first few ricochets. As such, a good but lucky shot can often make or break your game while making you feel in control of it. This is how Peggle gets power over you!

I've seen this game catch on among many who aren't traditionally into games. Moms, fathers, grandfathers, the little sister that thinks that games are for boys. Popcap really did a good job of making something that just about everyone can get involved in. Not only does it draw in the unusual crowd just mentioned, but I've noticed it has been a time-draining guilty pleasure of many in the hardcore gaming crowd as well.

For more on video gaming, visit http://gamer-revolution.net whether you want to read about the issues surrounding Mass Violent Online Games or have fun with free online flash games and more!