No Deposit Car Insurance!

We all know how expensive it can be when it comes time to renew our car insurance policies. In the UK the high cost of insuring your car means that as many as 1 in 10 drivers on the road are driving uninsured. Willing to take the risk of being caught rather than have to pay a premium that many people cannot afford.

Car insurance does not have to be an expense that you have to find all the money for all at once. Particularly if you are living on a tight budget or you are currently paying higher than average premiums because you are under 25 or because you are a new car driver.

A great for you to be able to afford and to budget for your car insurance costs is to take out a no deposit car insurance policy. This is a pay as you go type of insurance where you pay for your insurance premiums in equal monthly payments rather than having to pay all the money up front.

No deposit insurance where you can pay money is not something new in the UK. In fact many insurers have offered a facility for quite a while where you can choose to pay monthly rather than all up front. Usually though there is an additional cost for this type of service as the insurance company are providing you with a credit service. As they are offering credit it can mean that if you have a less than stellar credit rating they may not offer the service to you.

Many companies do require you to pay a larger than usual first month premium, this can be as much as 2 months worth of premiums in cost. You may also be expected to pay an admin fee due to the extra administration due to the management needed for the monthly payments. In addition you can also expect to be charged interest as the insurance company will often outsource the credit arrangement to a third party finance company who will charge interest for this facility.

A newer pay as you go scheme however does offer a true month by month car insurance facility. You pay a month at a time with no minimum or maximum amount of months that you are expected to remain using the policy. There is no deposit or additional charges on top of your premiums and you can cancel at any time. You can expect this new type of car insurance to become more popular as the cost if car insurance increases.

LGN Revolution Has Become the New and Improved Passport to Wealth

I Want That Home Based Business That Makes Thousands While I Sleep 

LGN Revolution is just what the name implies: Looking out for the Little Guy.

In today’s deplorable economy with millions of people losing jobs and homes more people are turning to the home based business markets than ever before. With the thousands of various opportunities available to choose from it is often a complicated task for the first time home based business marketer to decide which avenue would best suit their needs.

As we have all seen and heard enticing stories about how so many people have become successful with their own home based internet business and earning that whole year’s paycheck in just one month we can not help but to be envious and want to find the overnight success that delivers the automatic income which ensures we will never have to worry about money again.

With each of these business opportunities all promising the potential of earning incredible income with very little or no work required; many people join with the expectation to actually see instant success with little effort only to soon find themselves listed among the over 90% of home based internet marketers who never make a dime and fail miserably. Some people actually believe that all they need to do is simply sign up for their free test drive then sit back and wait for the bank to call and inform them that their account has exceeded F.D.I.C limits.

When I grow up I want to become a professional Pester expert.

Let’s do a little reality check here for a minute. Nobody joins these business opportunities because they’ve always had a lifelong dream of beating their head off a brick wall trying to chase their family or friends and anybody who comes within three feet and pestering them to buy things which include: Magic Powders, Potions, Creams, Juice, Cookies, Credit Repair, Travel Plans, Stuff that makes your car go Vroom Vroom, A New Mortgage, A Bigger Penis, or any of the thousands of  “Programs” in between.

The people who join these “programs” or “business opportunities” get involved for TWO Reasons ONLY. The First is: To Make Money and the Second is: To Make Money NOW!   I believe that for the most part the people who seek out which business is right for them to join are looking to find those where others have gotten involved before them and can claim to have done well, and of course become a member of a business that promotes products or services with the intention of not joining the many out there who feel that the key to success is a lack of integrity. Anybody who has been on line long enough soon discovers how the internet can be both fascinating and appalling at the same time.

As each year more and more predators come up to cyberspace creating more clever ways to deceive and cheat people; these are the bad apples who spoil the sincere efforts of those who work very hard to become known for trustworthiness and reliability. The internet seems to have a battlefield for good VS. evil. Often time one is mistaken for the other.

The way it works is actually very simple and not rocket science at all. A lot of people will settle on the business they want to join because they were lured in with promises of instant success and riches. Having heard about a superstar top earner that brings in the six figure monthly income they whip out that credit card and begin the process of what I like to call mental masturbation which translates to playing with your own head.

Is it true that I only have to work just a few minutes a day?

They listen to the instructions to “plug into the system” and come to the company training sessions expecting to learn how to find that  “Magic Wand” that they can simply add some “Magic Pixie Dust” and wave it around to begin making instant sales and enjoy tremendous income. What they then soon discover is, contrary to popular belief, there is no such thing as building a business in “Just A Few Minutes A Day.”

When they are unable to make the necessary sacrifices and roll up the sleeves and get to work and get out there to find the right people to speak with and build that network; then soon find themselves going back to that “Job they were supposed to replace” asking the “Boss they were supposed to fire” for some overtime to pay off all the credit card debts accumulated while trying to “build that business” and meanwhile now hiding behind the caller I.D. for all the harassing collection calls.

MY Sponsor went into the Witness Protection Program (Right after I sent my payment in.)

As new members join they now expect the sponsor who contacted them on a regular basis and informed them of all the great features including how the company does all the selling for you to become permanently attached. They now expect the sponsor to become the “Super Sponsor” who drops whatever they are doing at any time day or night to answer questions. Not only do they expect the Super Sponsor to “help them build their business” but even more so, expect the sponsor to build it for them. When they find this not to be the case, then the decline process begins. Soon they cancel the membership and do what many do which is set out on a witch hunt to defame the sponsor and the business.

Then suddenly they find time to get to work spreading their failure stories all over the internet and pointing the finger and anything or anyone to blame for their failures. A good example of this would be one of the most remarkable women who many people have heard of, Jeannie Looman. A stay at home mom from Georgia who spent years building one home based business after another while funding these from child support payments. After finding her pot of gold with Passport To Wealth she then devoted much of her time and money  to sharing with hundreds of people how she was able to finally achieve her success.


While this woman should be nominated for the Mother Theresa award, there are numerous people who are angry that they had not been fortunate enough to duplicate her success and now instead of putting forth the time and effort necessary to do this, they spend more time to launch vile attacks against her and attempt to take hers away. Let’s face it folks; The world does not care if you make it. They just get jealous when you do. It seems that the expression “Misery Loves Company” is so true because instead of taking the time and effort to go get their own slice of American Pie, they will make every effort possible to take yours away from you. 

So they give it a brief whirl, do not get rich overnight; then the next thing you see if they find the time to go create blogs and submit complaints to Rip Off Report.Com and tell the whole world that it is YOUR fault because they were unable to duplicate your success. I think tomorrow I am going to go across the street and ask my neighbor if he wouldn’t mind to water and fertilize his lawn so that it will make my grass grow.

We often hear how not everything is for everyone. Not every person has what it takes to become a born salesperson. If they did, Mc Donald’s would have a severe shortage of people who could stick their head out of the drive through window and ask you “Do you want fries with that?” Meanwhile, all along not even realizing they are selling fries yet receiving no commission for the sales generated. Yes LGN Revolution has made it much EASIER for those with NO Sales experience to see results. However, in order for the company to do all the work for you it is obviously in your best interest to get off your keyster and get out there to meet the quality people to introduce to the company.


Forgive that little attention grabber. No I am not selling cocaine. One of the examples I like to demonstrate for people is how some people are born salespersons and do not even realize it. As we all know or have heard about there is a serious drug epidemic in this, and many other countries. The undeniable fact is that so many people have made the fatal mistake of trying to achieve instant success by participating in illegal or prohibited activities in the hopes of hitting that fast money winning streak.

A drug dealer develops the skills necessary to know how to go out and find the right people to procure large quantities of drugs, then repackage this into small packages of drugs, then go out and find the people who will soon become regular customers and continue to order their supply of drugs. How do they accomplish this: Do they place ads in the L.A. or N.Y. Times Classified with “Wanted to Buy: Cocaine?” or “I have Cocaine for sale?” Yet without even realizing it they develop the skills necessary to build a word of mouth business that earns them a tremendous income until of course one of these word of mouth customers is a Police Officer who then dutifully informs them that that business is a No-No and there are certain reprocussions to follow which include lengthy prison sentences and forfeitures of all earnings.

Products and Services Make The World Go Round

As the now retired Don LaPre, who became a multi-millionaire before the ripe age of 25 once said, “The trick to becoming rich is to find a product or service that people want or need and focus on finding the people who need it.” If you have not noticed by now there is one product that people from any background all want or need and that is MONEY or the ability to earn a lot of it. People from all walks of life and every language all love to make money.

One good example I love to use is Mr. Ray Kroc, the founder of the aforementioned Micky D’s, who took a chain of five stores and turned it into one of the largest corporations in the world from selling hamburgers. Dunkin’ Donuts did it with a cup of coffee, AT&T did it with telephones and the list goes on. How much more simpler can it get than that?

I once knew a guy who made a fortune buying and selling Mattresses. Buying them at a discounted price and reselling them in a local classified paper at discounted prices. The thing I love most about LGN Revolution is I never have to replenish my product supply. The start up costs and membership fee allow me to have product on inventory at all times that I only Bought ONE time and can re-sell as often as I wish. No having to re-order for each sale makes for a very nice profit margin.

Of course instant success and riches do not come overnight and there are so many “follow the leader” methods along the way. Some will deliver better results than others while some return none at all. There are businesses who have been around for decades that suddenly seem to go belly up overnight while some are in business for less than one year and earn enough millions to open their own bank as the inventor of the Mr. Moonie toy has done with G & L Savings and Loan. Some people have the Midas touch where every thing they put their hand into turns to Gold; IE:  Sir Richard Branson of Virgin, or Mr. “You’re Fired” Donald Trump and on the other end are people who have the defication touch where they touch things that turn into something I can’t mention here as this is a family oriented site.

As many business such as Passport To Wealth and LGN Revolution gain popularity  the select top earners who, after achieving great success, find their names soon become commonplace household words throughout the internet such as Darren Gaudry, Bob Williams, the aforementioned Jeannie Looman and many others. Consequently,.along come the numerous copy-cats who throw their collective hats in the ring and devote their advertising efforts to compete against or compare themselves to these companies. Using mud-slinging and bad-mouthing they attempt to lead people to think that other businesses are a SCAM or offer worthless products and seem to think this is the most efficient way to entice customers over to their side of the fence. If you have not figured out by now, this is one of the tricks used by many to get free search engine placement. If you want to open a business that competes against Passport To Wealth, LGN Revolution, EDC Gold, or any other popular name, simply be sure to include those names in your ads that visitors who search for those keywords using Google (etc.)  will be sure to find.

This reminds me of an old trick a yard sale expert  did for free advertising. As the neighbors up the street took the time to create posters advertising their yard sale and post them all around the neighborhoods, this guy would simply wait for the same weekend they held that sale and hold one of his own. Now as all the people in the area saw the signs the neighbors took the trouble to create and post and arrived to their yard sale, they would notice there is another one being held only a few houses away at the same time. Clever way to get somebody else to pay for your advertising.

NO Inventory or Monthly Auto Ship Required

I would like to clarify that it is not the products that encourage new members to join so much as it is the income to be earned from marketing these products. Although I do remove my hat to Mr. James Ward, the creator and founder of LGN Revolution for having done a great job of listening to the complaints that Passport To Wealth has received and using this to turn a negative into a positive and removing the errors and obstacles that make LGN Revolution a much more powerful marketing tool. Having had the pleasure and Privilidge of communicating with James numerous times myself I’ve asked him when does he ever find the time to sleep. This man does a remarkable job of making himself available to all of his team members.

Promptly returning calls and emails personally and making his appearance on many of the team conference and training calls James Ward is the first one I have ever worked with where I feel he takes a sincere interest in growing each member’s business and not just bringing them on board to collect the monthly membership fees. Talk about a bang for the buck, the measly $25.95 membership fee comes complete with ALL of the tools and resources that others charge separtely for. No more being on the hook for a few hundred bucks a month while trying to get started and bring in sales.

Even the compensation plan is designed to ensure member’s success. With many of the other $997.00 programs there have been people who put up the initial costs including the required “Pass Up” sales only to find the sales soon stopped and they’ve had tremendous difficulty making the consecutive sales to get the return on investment. In today’s deplorable economy it is realistically much more difficult to find those who can afford the $997.00 start up costs.  No matter how much they shake the sofa; only so much change is going to fall out. LGN Revolution removes this obstacle as now members can join for as low as only $200.00 and then build up to the $997.00 ELITE level.

What most people fail to realize is that even though these products are at their disposal with full resale rights, the average Joe on the street could really care less about them and is primarily interested on focusing on the income earned from the generated sales. Most of the people on the internet have no clue how to install and use many of the software products and most likely never will even attempt to do so. The vacation packages offered are truly remarkable in and of themselves. They allow some people who could never afford to visit outside of their own home to enjoy a moment in the sun in some of the most exotic locations in the world. Yet, as with the software products offered these vacation packages will simply sit in the back office and go un-used.

Advertising Advertising Advertising

I could not stress enough how just the same way the three key words in Real Estate are Location, Location, Location; the three key words in ANY marketing endeavor are: Advertising, Advertising, Advertising. For as long as anyone can remember your whole life you have been exposed to various forms of advertising. How many of us can recognize slogans or logos simply from the constant bombardment of advertising efforts we have been exposed to? When you see the Nike “Swoosh” you think “Just Do It” or when you drive down the street and see those golden arches you already know “Mc Donald’s” with “over one million served.” Of course that has been recently changed to Billions, but you get the idea. Branding, product placement and constant repetition has been proven to work time and time again.

Or how about “Ivory Soap” with “99.9% Pure” and “So Pure It Floats?” Meanwhile you may think to yourself, “Awww that stuff does not affect me; I pay no attention to that.” Then one day while in the grocery store with the shopping list that includes some soap for the bathroom and going down the aisle you see the bar of Ivory and don’t even think twice before grabbing it and tossing it in your cart.

Most people, especially those just getting started, do not have the extensive advertising budgets that others are privy to. Yet even some of the Free Advertising resources may prove to deliver better results that some of the most expensive commercial ads. It makes no difference if you can drop a million dollars a minute for television commercials during the Superbowl or simply placing bumper stickers on the back of your car. You need to get your ad out there to bring the eyeballs to your site. One of the new things I have noticed is how clothing manufactures have been stitching logos on the seat of women’s pants. As if to say, “Hey, since you are looking down here anyway; you may as well read my ad.”  What a great idea. Why didn’t I think of that?  I’m going to ask some sexy girls if they wouldn’t mind  stitching my website address across her butt.

I have found that some free advertising resources have delivered better results than expected. Yes when placing ads on free classified websites we all get bombarded with offers from fellow marketers attempting to entice us to come visit their website and join their business. That is to be expected. In this game we are all compared to a bunch of cows in a corral all Mooing each other. I got white milk over here. I got chocolate here. I have taken out full page magazine ads for $5000.00 that delivered just 2 calls and then have gotten hundreds of hits simply from placing free ads on places such as backpage or craigslist.

Are you an Expert on how to LOSE money on line?

I could write an entire novel here with the numerous failed experiences I have had over the years in my attempts to find the right “business” to promote. Then again, with the “over 90% who fail” so couldn’t many people. As Thomas Edison once wrote when attempting to find a filament to use for his light bulb that would not burn out; “I have not failed 1000 times. I have successfully found 1000 ways that will not work.” Have you heard of the common household lubricant called WD-40 and the story how it got that name? When NASA commissioned the lab to come up with a “Water Deterrent” formula that could be used in space, they went through 40 different experiments until they found the one that delivered satisfactory results. Hence the name 4D-40.

Many of us have heard the expression “Practice Makes Perfect” yet nothing can be further than the truth as you can practice doing it WRONG a whole lot. Perfect practice makes Perfect. Unfortunately, as we travel through this wonderful growing and learning experience we call live many of us come out with a PhD from the School of Hard Knocks. This is another of the reasons why I truly appreciate the efforts of Mr. James Ward and his LGN Revolution as the team that shares with new members is not afraid to expose them to the truths of where to go for useful tools and resources, but more importantly, where to avoid. This is another small step to keep the struggling marketer from going broke when they are supposed to be on the way to creating wealth.

Reliable Auto Insurance Quotes

If you are in search of a standard third party insurance, then taking a decision will not be so difficult. Almost all products offered by the several different insurance companies are very similar to each other. Just decide on the basis of the price and the requirements you need.

On the other hand, if you are choosing a comprehensive insurance cover, that can be very confusing. The basic features as well as the optional features vary and depend on the insurer. Some policies offer to pay for a rental car while others offer you a complementary car to ensure you can move around while your damaged car is being repaired after the accident.

The terms and conditions governing your insurance coverage totally depends on the insurer. One very common requirement is that their repairs must be carried out at an outlet approved by the insurer. Since the cost of service at such an outlet is usually slightly higher than the average establishment, you will be charged a slightly higher premium on your auto insurance policy. Hence, it is very important to analyze the cost before taking a final decision.

No insurance policy ever makes 100 % payment on a claim. There is always a compulsory excess that must be borne by the policyholder when making the claim. Different policies require payment of different amounts of compulsory excess at the time of claim. But you must remember to choose insurers with the best reputations and who are licensed to operate in the state you live.

How Bad Is A Credit Score Of 300?

Credit scores range from 300-850. That means that if you have a score in the 300 range, things are about as bad as they can get. Before we talk about what needs to be done to improve upon this score, let’s talk about what you can and cannot do with it.

You won’t be able to buy a home if you have a score in this range. At least, you won’t be able to get a mortgage with a 300 score. If you have enough cash to purchase a home, you would of course be able to buy a home.

You also won’t be able to get an auto loan with a score in this range, at least not from a bank. The exception to this rule is that some car dealerships provide expensive loans without checking credit.

Signature loans will also be impossible to qualify for if your credit is this bad. In fact, these are the hardest to qualify for.

I used to have really bad credit and it affects you in ways you don’t anticipate. For example, you won’t be able to qualify for most cell phone service providers without putting down a large deposit. When I had bad credit, it cost $400 per line to get a cell phone.

Many other services check credit before allowing you to have an account. Here are a few examples: satellite television, home utilities, gas for the home, and many more.

If you have a score in this range. Do what you can to turn it around. Here are a few suggestions:

1. Stop paying bills late right now. If you can get even six months of paying bills on-time, it will make a big difference in your score. Lenders will also be able to see that you’re changing your ways when they look at your credit report.

2. Open two revolving accounts. If you already have two credit cards, you’re already set. If you don’t have any, you need to get some. I had to get secured cards when I had bad credit because I couldn’t get regular ones. Without revolving credit accounts, your credit score won’t build up.

3. Keep the balances low on your credit cards. High balances really affect your credit score in fact the balances on your cards account for 30% of your credit score.

4. Be patient. You will be amazed at how quickly your credit will change. Within six months you will see significant progress.