Archive for March, 2011

Using your ED meds right

Thursday, March 31st, 2011

Erectile dysfunction medications are all over the place these days. You see ads in magazines, on TV and get tons of spam in your inbox. Such an aggressive advertising strategy makes most people believe that these drugs are actual remedies for any type of sexual problems in men, and buy them without even knowing what these medications are used for. And once they get these drugs and start using them, a lot of men discover that they aren’t getting the effects they were promised with. This leads to a lot of frustration and criticism towards popular ED meds you get to hear a lot online. But all it takes in the first place is actually learning how to use erectile dysfunction medications right.

First of all you’ll have to make sure that you actually need the drug. A lot of men have occasional problems with erection which they mistake for impotence. There’s nothing tragic about having weak erection from time to time as it’s normal in any age. A real cause for concern is when 1 in 4 attempts of having an erection fail for a long period of time (couple of months). That’s when the condition can be called erectile dysfunction and requires actual medical attention. (more…)

Pay for Only What You Use

Thursday, March 31st, 2011

If you are searching around for ways to save on insuring your vehicle, you have probably come across all kinds of different types of coverage and insurance types. With all of these, you pay for your coverage for defined period of time.

Pay-as-you-drive insurance is a bit different. Rather than paying for a period of time (a month, 6-months, a year), you pay only for the miles you actually drive.

About Pay-as-you-drive Insurance

It’s been around a while, but only now is it catching on in America.
The idea is simple: you pay for every mile you drive, because that is when you need most of the coverage. This obviously doesn’t include comprehensive coverage and any other non-driving situation.

How Miles are Reported

Since you pay by the mile, you and your insurer have to have a way of settling on a number.

Black Box

New technology is partially what is fueling this increase in companies offering pay-as-you-drive plans.
One such innovation allows for GPS-enabled chips to be installed into your car’s computer. These automatically report your mileage to the insurance company.
(Aside from the insurance itself, you can also save money because your car will be easier to recover if stolen, thus reducing the chance that the insurer will have to pay to replace a vehicle.)

OnStar

This is the other big technological innovation that can help you save on insurance. Since this is for GM vehicles, you should get insurance through GMAC. This way, OnStar will automatically report your mileage to GMAC. You can even call them at any time to see how much you owe at the moment.

Checkups

With this system, you meet with a mechanic, agent, or some other specialist that your insurer selects. They check your mileage each billing period and then the insurer sends you a bill.

Honor System

Admittedly, this is rare.
Smaller insurers will allow you to report your mileage without confirmation. However, should you be found to have not reported the accurate mileage, you will be denied claims and probably dropped as a client.

Is Pay-as-you-drive Car Insurance Right for You?

Unfortunately, this might not even be available to many people because of the limited areas and companies offering pay-as-you-drive insurance.
Currently, State Farm, Progressive, and GMAC are all offering usage-based systems. (more…)