If you have a car, then you would need car insurance. The best car insurance can protect your car from any inconvenience should a likely car accident occur. But you should also be careful of what kind of car insurance you have. There are a lot of them available out there but not all can give you that coverage that you might be looking for.

As most other types of insurance available to choose from, the same thing goes with insuring your own car. There are different types that you can choose from, depending on what your needs are. There are liability car insurance policies that cover for accidental bodily injury as well as property damage to others. There are also policies that cover only damages caused by collisions with other vehicles or objects. There are also comprehensive car insurance policies that cover for loss or damage to the insured vehicle caused by circumstances other than car accidents. This may include car damage or loss due to fire, hail, vandalism, or theft.

Another type of car insurance policy available for you covers for medical expenses for injuries caused by a car accident regardless of fault. There is also a type of car insurance policy called Personal Injury Protection (PIP) that covers an insured driver for injuries acquired from a car accident, regardless of fault. There are also car insurance policies that can cover a motorist from car damages in a car accident with a driver who doesn’t have liability insurance.

There is also a type of policy for covering car damages caused by a car accident caused by the other driver who has insufficient liability insurance. Fro rental cars, there is also a type of car insurance that will pay for damages caused by an accident on the road. These types of car insurance can also be found in combination to give you a variety of policies to choose from. Knowing what your exact needs are and being aware of the minimum car insurance requirement in the place where you live in can help you in being able to choose the best car insurance policy to cover your own vehicle.

There are useful tips available to help you look for a good car insurance policy that can help you keep your premium payments down to a minimum. In looking for good car insurance, you should also try looking for car insurance available for you online. You might be able to avail of discounts for car insurance policies purchased online. You can also try to limit your car’s mileage before you try to get an insurance quote for it. The lower the mileage, the lower the insurance quote. Try not to modify or customize your car as it might affect your car insurance coverage.

You can also try to restrict the number of drivers on your car insurance policy as it might increase your premium payments later on. If you want to avail of good but affordable car insurance, then you can choose to drive a cheap but dependable vehicle because such cars can have policies that can well cover for damages at a very affordable premium. These are just but a few tips for you in getting that car insurance the cheaper way. A car insurance policy can greatly benefit a regular driver like you. It is never to early too get one for your car. You may never be able to handle the regret if you realize its need a little too late.

To read more articles from the author, check out Robert Thatcher’s insurance site.

Of course, you can’t be imprisoned simply because of debts. The title is merely meant to get your attention and to highlight the fact that certain collection agencies threaten to file criminal cases against debtors who fail to pay. The prohibition against imprisonment for a debt is a basic right enshrined in no less than the Constitution: “No person shall be imprisoned for debt or non-payment of a poll tax.” In other words, no one could be compelled to pay a debt under pain of criminal sanctions (estafa is a different matter). No one could also substitute the payment of debt through imprisonment or other criminal penalties.
Bouncing checks. Certain laws, including Bouncing Checks Law (BP 22), have been questioned as a violation of this right. However, it’s not the non-payment of an obligation which this law punishes. The law isn’t designed to coerce a debtor to pay his debt. The thrust of the law is to prohibit, under pain of penal sanctions, the making of worthless checks and putting them in circulation. Checks have become widely accepted as a medium of payment in trade and commerce, and if the confidence in checks is shaken, the usefulness of checks as currency substitutes would be greatly diminished. When the question was resolved in 1986, it had been reported that the approximate value of bouncing checks per day was close to 200 Million Pesos, thereafter averaging between P50 to P80 Million a day. (Lozano vs. Martinez)

Trust receipts. The same argument was raised against the Trust Receipts Law (PD 115), which is a declaration by the legislative authority that, as a matter of public policy, the failure of a person to turn over the proceeds of the sale of goods covered by a trust receipt or to return said goods if not sold is a public nuisance to be abated by the imposition of penal sanctions. It punishes the dishonesty and abuse of confidence in the handling of money or goods to the prejudice of another. The law does not seek to enforce payment of a loan. (Tiomico vs. CA)

Credit cards. Under the Access Devices Regulation Act of 1998 (RA. 8484), anyone who obtains “money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter” is criminally liable, punishable with a fine and imprisonment. That law also provides that a cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his application or credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least 90 days and is more than P10,000.00, shall be prima facie presumed to have used his credit card with intent to defraud.” We are still waiting for the test case on this.

Here’s the source of this article “YOU CAN GO TO PRISON FOR YOUR DEBTS.”

According to the writer, here are 10 more possible reasons you aren’t rich:

1. You care what your car looks like: A car is a means of transportation to get from one place to another, but many people don’t view it that way. Instead, they consider it a reflection of themselves and spend money every two years or so to impress others instead of driving the car for its entire useful life and investing the money saved.
2. You feel entitlement: If you believe you deserve to live a certain lifestyle, have certain things and spend a certain amount before you have earned to live that way, you will have to borrow money. That large chunk of debt will keep you from building wealth.
3. You lack diversification: There is a reason one of the oldest pieces of financial advice is to not keep all your eggs in a single basket. Having a diversified investment portfolio makes it much less likely that wealth will suddenly disappear.
4. You started too late: The magic of compound interest works best over long periods of time. If you find you’re always saying there will be time to save and invest in a couple more years, you’ll wake up one day to find retirement is just around the corner and there is still nothing in your retirement account.
5. You don’t do what you enjoy: While your job doesn’t necessarily need to be your dream job, you need to enjoy it. If you choose a job you don’t like just for the money, you’ll likely spend all that extra cash trying to relieve the stress of doing work you hate.
6. You don’t like to learn: You may have assumed that once you graduated from college, there was no need to study or learn. That attitude might be enough to get you your first job or keep you employed, but it will never make you rich. A willingness to learn to improve your career and finances are essential if you want to eventually become wealthy.
7. You buy things you don’t use: Take a look around your house, in the closets, basement, attic and garage and see if there are a lot of things you haven’t used in the past year. If there are, chances are that all those things you purchased were wasted money that could have been used to increase your net worth.
8. You don’t understand value: You buy things for any number of reasons besides the value that the purchase brings to you. This is not limited to those who feel the need to buy the most expensive items, but can also apply to those who always purchase the cheapest goods. Rarely are either the best value, and it’s only when you learn to purchase good value that you have money left over to invest for your future.
9. Your house is too big: When you buy a house that is bigger than you can afford or need, you end up spending extra money on longer debt payments, increased taxes, higher upkeep and more things to fill it. Some people will try to argue that the increased value of the house makes it a good investment, but the truth is that unless you are willing to downgrade your living standards, which most people are not, it will never be a liquid asset or money that you can ever use and enjoy.
10. You fail to take advantage of opportunities: There has probably been more than one occasion where you heard about someone who has made it big and thought to yourself, “I could have thought of that.” There are plenty of opportunities if you have the will and determination to keep your eyes open.

See the full article on 10 (More) Reasons You’re Not Rich.

[Blogger's Note: This is an interesting article titled "SECURING DEBT TRANSACTION" from Bikoy's site intended for those who are engaged in debt transactions. I hope you may find salt in this article as the PINOY BLOGGER had.]

Unless you intend to give your money away to strangers and to your friends then don’t read this blog. As between friendship and relationships- although there’s trust involved its best that the debt or money borrowed between friends or relationships is secure. Secure means there’s evidence of the debt, its not floating around in the air. I know that some people can live with a person’s palabra de honor or a person’s word- but its best that a debt is secured by something written in paper. 

 How does one secure a debt transaction?

1. Promissory Note- This is simply a piece of paper with the words “I promise to pay Mr. Smith the amount of P1,000.00”- and you have to include the date when that amount is due and where he or she will pay. Would a receipt of an amount suffice- well if its an exchange of money for goods yes- but in case of debt no, a receipt only shows the person got money it does not mean he or she is indebted. Some people just jot down the amount put the date on it- that’s also a no-no if you want that debt collected later on.

If you want the loan to bear interest then put it in the promissory note. Otherwise, there’s no stipulation as to whether the loan will earn interest or not. 

2. Checks- If the other person, the debtor has a checking account have him issue a check for the amount borrowed- with the date on the check being the date when the loan matures. Note that the debtor or creditor might agree not to deposit that check but if you’re the creditor I’d advise you to deposit the check on the due date and let the check bounce for fear of the check becoming stale later on. 

3. Real Estate Mortgage- you can have a lawyer prepare this for you its document stating that a piece of property whether titled or not is being made subject as collateral for the loan. This applies when the money borrowed is really huge but it does not mean automatically that you as creditor become the owner of the property if the debtor does not pay- you still have to foreclose the mortgage or sue the debtor for the loan.

4. Loan Contract- prepare a loan contract through a lawyer if you want it clearly stating all the terms and conditions- (a) duration of the loan (b) interest or penalties if any (c) and the date when the loan would be due and demandable. 

 Can you bind another person for the loan? Yes- he could be a guarantor or a co-maker.

If you are an amateur or professional director, songwriter, composer, arranger or performer, join the Philippine Digital Music and Short Film Festival! Visit WWW.PHILDIGIAWARDS.COM to join and for more information.

Objective:

1. Combat piracy by introducing digital downloading of Filipino contents
2. Give equal opportunity to Filipino artists make money while they broadcast their music and videos over the internet and other platforms
3. To open the medium between the music and short film industry, content provider’s, telecommunications and the end-users with wide variety of downloadable music (ring back tones, full tracks, true tones, polytones, etc) ad videos
4. Give record labels and publishers a borderless earning avenue in selling music to consumers
5. Give consumers high quality, licensed music
6. A transparent and wide-scoped contest and awarding since it will be available for voting and downloading globally through world wide web and SMS.

Deadline of Submission of entries: October 15, 2008

Voting duration: October 20, 2008 to January 5, 2009

Awarding and Festival: January 10 & 11, 2009 at the World Trade Center

Send your entries to Unit 910 Prestige Tower, F. Ortigas Jr.Ave.(formerly Emerald), Ortigas Center, Pasig City or call us at (02) 638.58.10.

See you at the awarding and festival!

In summary, I gave him 3 Ways to Attract more traffic to your site:

1. Online Directory Listing. There are thousands of online directory listings available. This is the most basic way to advertise since most of these sites offers this services for free. It is also the least search engine placement you can do as a start. The more online directory you can list on your site, the more chances that your site will appear soon in the search. There are also online sites that offers professional services for those who want their sites appear instantly within 24 hours. The disadvantage of unnatural growth of traffic is that you have to pay an SEO company always for you to maintain the traffic.

2. Link Building. If you are a blogger try to know the blogger’s organization near you. They can provide you free links and ping backs which can dramatically raise your ranking. Defined as one of the basic search engine placement, the more links you can have from this bloggers will increase your authority and subsequently make you a prime spot for advertisers. You can check sites like Customermagnetism.com for more expert SEO advice.

3. Drive Quality content to your target audience. Who’s your audience? what contents do they love to read? Being able to know the demographics of your readers will definitely increase your readership as people tend to revisit you time after time. More often, people visit a site more through referrals from friends rather than sent invitations from spammers.

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If you have a topic which you want the PINOYWORLD BLOGGER to discuss, please don’t hesistate to comment and ask.

Notification of acceptance: January 31, 2009

Deadline for papers: May 31, 2009

The International League of Peoples’ Struggle Working Group on Teachers, Researchers, and other Education Personnel invites academics, scholars, researchers, education and social activists and progressive intellectuals to an international conference on “Education, Imperialism, and Resistance,” to be held in Shih Hsin University, Taipei, Taiwan on August 10-11, 2009. It will be hosted by the International Center for Taiwan Social Studies and Taiwan: A Radical Quarterly in Social Studies.

The conference aims to bring together academics and social activists to put forward a progressive critique of imperialism and education.

Imperialism is at the root of untold suffering for billions of people throughout the world. Imperialist banks and corporations reap huge profits from the exploitation of working people even as the world economy is racked by crises, the gap between rich and poor countries widens, hundreds of millions are thrown into unemployment, billions are kept in poverty, and environmental destruction proceeds unabated. The imperialist countries, led by the United States, wage wars of aggression to control valuable markets and resources and suppress revolutionary movements. All over the world, imperialism intensifies the oppression of women, exacerbates racial and ethnic conflicts, and incites discrimination against migrants.

In the guise of neoliberal globalization, imperialism is having a devastating impact on education. Drastic cuts in public spending for education have become the norm. Teachers, researchers, and other education personnel suffer deteriorating standards of living as salaries fail to keep up with rising costs. Large numbers are being laid off as governments close down schools and universities deemed inefficient. As education becomes the flashpoint for popular struggles, schools and universities are increasingly subjected to state repression.
Imperialism exercises an ever-tightening grip on education. The WTO’s General Agreement on Trade in Services (GATS) has placed liberalization of the so-called education market and the privatization of education on the agenda of future negotiations, along with other basic social services. Teaching and research are to an unprecedented extent driven and defined by corporate interests.
Imperialist control of education is a key element in imperialist domination of culture as a whole. U.S. imperialism, in particular, makes full use of the means at its disposal—chiefly its huge monopolies in mass media—to shape world public opinion according to its interests. Monopolies have increasing influence over curricula, education programs, institutional organization, and research agendas.
Struggle over knowledge and research is a key aspect of struggles against imperialism. On the one hand, imperialist domination of education and research is used to undermine people’s struggles. On the other, a critique of imperialist ideology can be an important tool in the struggle for radical structural change. Throughout the world today, education workers respond to imperialist globalization through solidarity and struggle to defend their rights and welfare, the people’s right to education, and advance the struggle for a more just and humane future for all.

Participants to the conference are invited to present a critique of any aspect of imperialism and education including access to education, education sector reforms on neoliberal lines, right to education and livelihood, the political economy of education, the politics and theories of knowledge production and research, the impact of privatization and liberalization on educators and students and the impacts of education sector reforms on societies. We encourage interdisciplinary approaches to these concerns.

Individual papers and panel presentations on the general theme are most welcome. Specific papers on any of the following themes may be submitted for consideration. Tracks correspond to the possible organization of the plenary sessions. The program committee reserves the right to merge, reschedule or reassign topics, based on suggestions and interest from the participants.

Track 1. Education and Imperialism
* Education and Imperialism: Historical Perspectives
* Basic Education and Imperialist Globalization
* Higher Education and Imperialist Globalization
* Debt, Aid, and Education

Track 2. Education and Markets
* Education, Industry, and Imperialist Globalization
* Free Trade Agreements and Education
* Global Migration and Education
* Transnational Education

Track 3. Education, Oppression, and Resistance
* Education and the Social Movements
* Education and National Liberation
* Race, Ethnicity and Education
* Education and Human Rights
* Gender Issues and Education
* Rights and Welfare of Educators

Participants may also form panels and are urged to submit the corresponding proposals. Panel organizers will be responsible for organizing panels put forth by them.

The organizing committee will review submissions and decide on the final schedule of presentations. Selected papers will be considered for publication, after peer review.

Papers should be prepared and presented in English. There is no page limit but contributors are encouraged to limit their paper to less than or equal to 20 pages (A4 paper, font 12, double-spaced) including the cover page, abstract, text, references, tables and figures. The format should follow standard academic styles.

An abstract of not more than 500 words, together with a one-page resume of the proponent, must be submitted to the Conference Secretariat on or before 30 November 2008 at the following email address: conferencesecretariat.ilps11@gmail.com

Interested applicants should submit the following requirements:

1. One page synopsis of an original story or a story idea with its accompanying treatment or concept paper for a one-act play;
2. Draft manuscript of an originally written one-act play (optional);
3. Certification from an authority or professor who can attest the originality of work;
4. Comprehensive resume with two 2×2 ID pictures;
5. Photocopy of resident certificate.

Deadline for submission of entries: October 22, 2008

Submit all requirements to:

The Director
Xavier University Culture and Arts Office
Campion Hall 123, Xavier University- Ateneo de Cagayan
Corrales Avenue, Cagayan de Oro City 9000
Tel (088) 858-3116 loc. 2059 CP# 09283338670

Or email your application and requirements to hsavior@xu.edu.ph

For SULAT DULA 2008 Call for Application Paper document, please click  this link.

Note: Qualified applicants will be given an official notice through email and text messages.

Qualifications requirements:

• Filipino citizen
• Must be 18 to 35 years old
• Must be knowledgeable or interested in international relations, particularly Korean culture and history
• Must have a valid passport which will not expire six (6) months after the program
• Previous recipients of any NYC international program except those from Oct. 2007-Oct. 2008

Expenses:

The applicant shall shoulder the roundtrip airfare, visa cost, and airport tax while the organizer will take charge of the food and accommodation.

The deadline for submission of curriculum vitae (not more than 3 pages) with passport sized pictures is Oct. 9, 2008.

Email your curriculum vitae (not more than 3 pages) with passport-sized pictures to lutchieachua@ yahoo.com on or before Oct. 9, 2008.

For more information contact:
JOSE A. CIELOS
Regional Coordinator
National Youth Commission
4th Floor, Bookman Building,
373 Quezon Avenue, Quezon City
Philippines 1113
Telefax: +6327812372 / +6327811163
Cellphone: +639154343328
Website: www.youth.net. ph

Now it’s time for a recap of what we have so far here at Practical Way.

At the outset, with Success as YOU Define IT we defined what success is and most importantly what it means for other people. Different people have different interpretation for the meaning of success as it all hangs in what they ultimately desire; it’s the satisfaction of one’s desires.

With Are You Cut-Out To Become Successful? we determined that no one is really cut-out for success. The responsibility of creating success out of ourselves rests upon us. As Elaine Maxwell put it, “…whether I fail or succeed shall be no man’s doing but my own.”

And of course we discussed the different qualities of successful leadership. In Leaders Are Everywhere we talked about how each of us has the potential to become not just leaders but great leaders. Many of us just don’t realize it yet as many of us are overwhelmed with pessimism. In the Qualities of Great Leadership series, in Part 1 , we have seen how enthusiasm is indispensable for successful leadership. We also dealt with how one can become enthusiastic. In Part 2 we revisited the importance of persistence and talked about why it is essential to attain success. No success had ever been achieved without it. Part 3 shared the joy of constant learning and discussed why it is essential for success. As the words of Henry Ford Put it, “Anyone who stops learning is old, whether at 20 or 80. Anyone who keeps learning stays young.”.

Is humility part of the success game? Part 4 certainly says yes and exposes what humility is and what it is not and how it brought success to some of the great leaders in the last century. In Part 5 we talked about how successful leaders make things happen by effective goal-setting. Part 6 and Part 7 exposes how powerful desire catapulted people to take immediate action. In Part 8 we have shown why focus is necessary for optimum success. (Even Bruce Lee never did without it.)

Some of the effective ways to boost self-esteem is shown in Self-esteem – Ways To Boost Your Self-esteem Now. I highly recommend that you go back to this post now to see how it will help you get out of the awful hole you are in as far as self-esteem goes.

Finally, in Successful Leaders’ Tool for Success (one of the best posts we’ve had so far), we have discovered the most effective means to stay positive that no matter what your resourcefulness will see you through any difficult circumstances.

(This article was written by Charlemagne Solanor. For more inspiring thoughts about leadership and personality development, check out the site PRACTICAL WAY.)