With the great rise of the Internet could also make VOIPEye inevitable. Because it offers many advantages:

  • almost everyone has a PC,
  • Internet connections are already there
  • it is both the provider and user cost.

Famous predecessors include Skype and VoIP Buster.
We know about the analog telephony by Graham Bell in 1876. Later it was refined into a highly reliable communication through an extensive telephone network. Initially attendants were manually switched. The hegemony of the fixed phone was tampered by the first mobile phones. Many left their desk phone close and replaced it with a mobile phone.

The Internet hype in the late nineties to 2001, led to a flowering of telecom companies, all new cables pawed the ground. This abundance of glass fibers has led to much overcapacity. Reason why these applications were made is to spare capacities. As a guardian angel there was the IP, the Internet Protocol. All providers accept IP as the standard, and understood immediately that the applications would be endless. An initial problem was that the Internet is a switched network, where packets are sent. Everything is cut into pieces and sent something that is difficult to relate to a continuous conversation without stuttering.

Communication via Internet
Meanwhile, communication via Internet become the most natural thing in the world. Via e-mail and chat. Microsoft offered NetMeeting, but that was not true VOIP. It came with Skype , which first allowed to make calls to other Skype users over the Internet. A landline is therefore no longer necessary because a computer is sufficient.

Types of IP Phones
On the hype of the Internet telephone companies quickly hooked. The possibilities of using VOIP is rapidly expanded with a wide range of devices:

  • Through dedicated hard IP phones
  • Wireless IP phones these work via LAN and WiFi,
  • softphones requiring bundled software for the PC,
  • Conversion tables with these boxes can also easily connect existing analog phones to an IP network.

Switching Car Insurance Companies

Switching Car Insurance Companies In Four Easy Steps

When it comes time to renew your car insurance policy, you should be asking yourself a few questions. Are you okay with the type of coverage you have, the price you are charged, and the service you are receiving? If you are not answering yes to all these questions, it may be time to start shopping around for a different insurance provider.

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Unfortunately, many individuals are not satisfied with their current provider but refuse to switch due to overwhelm. Many believe it’s a hard process to execute and it’s not worth the hassle. However, switching your insurance can be done in four easy steps. We highly encourage you to base your car insurance policy decisions off of the factors mentioned above rather than worrying about switching.

Step 1: Take Inventory Of What Your Driving Needs Are 

When you are switching to a new car insurance company, it’s likely you will be asked a few introductory questions to help assess the best policy match for you. Knowing how many miles you typically drive for your commute, the number of drivers you need on the policy, and your driving history are important. For the most part, many of these questions should be easy for you to answer without too much research.

Step 2: Compare Rate Quotes 

Now comes the fun part. You should hop online and start comparing quotes from various insurance companies. By using the insurance information that you gathered in the above step, you can see what the same type of coverage would cost with other providers. Realize that some local providers may not have internet quotes and may require you to call them in person. Don’t shy away from this as you want to collect as many quotes as possible for comparison.

Step 3: Look At The Comparison Rates And Deductibles 

One thing that can throw many unsuspecting individuals off is not looking at the deductibles. Just because another car insurance provider can offer you a cheaper rate than your existing provider, doesn’t always mean it’s the best overall option. You must look at the deductibles to provide a fair comparison. It’s completely possible to find a company that offers you a lower monthly premium but requires double the deductible. While you may decide that you are okay with paying a higher deductible, if it means that you can have lower monthly payments, it’s important that you know what the implications of your new policy would be.

Step 4: Setup Your New Policy And Cancel The Old One

Always make sure you setup your new policy before you cancel your old one. You never want to lapse your car insurance coverage as it could lead to huge financial hardships in the event of an accident. When you decide on the car insurance provider you want to go with, simply call them up and get a policy. Once setup, be sure to call your existing provider and cancel your policy. You should aim to cancel your policy before it renews to avoid being charged additional fees.

Car Insurance Coverage

Car Insurance Coverage

As a vehicle owner, you have the opportunity to minimize your risk as a driver with the help of a car insurance policy. These help to compensate you in the instance that you incur losses due to things like collision, vandalism, and theft. The type of compensation you will receive after one of these events depends on which type of policy you opt to purchase. Let’s take a look at some of these different policy options below.

Liability Car Insurance

Each liability policy has two set maximums, which include bodily injury and property damage. At the time you establish the policy, you will agree to a maximum amount for both of these areas. You will be held responsible for paying all charges that exceed the maximum amounts set in your policy.

Collision Car Insurance

This type of coverage pays for damage to both your vehicle and the other parties vehicle in the event of a collision. In addition, it pays for repairs to your vehicle in the case of a collision with another object, instead of another vehicle.

You will be responsible for a deductible amount, upfront cost, before your insurance company will pay for the damages. This deductible is agreed upon at the time you set up your policy agreement.

Comprehensive Car Insurance

Comprehensive goes a step further than collision coverage. This policy will pay for damages to your vehicle that are a result of other factors than a collision. This includes things like theft, vandalism, or falling objects. You will be required to pay a set deductible before the insurance coverage will kick in.

Medical Expenses Coverage

This type of insurance coverage is specifically designed to decrease the risk of medical fees you will have to pay out in the event of an accident. This typically covers all injuries to you and others in your vehicle in the event of a collision, regardless of who is deemed at fault. In addition, this insurance can cover injuries that you or your family members may incur while in someone else’s driver.

Uninsured or Underinsured Motorist Car Insurance

This type of coverage is meant to protect your finances in the case an individual that was deemed at fault for an accident was not insured or underinsured. If the other motorists insurance is not enough to cover your injuries and the damages to your vehicle, this insurance policy will. In addition, this will cover instances, such as hit-and-runs, where you are unable to file a claim against the other vehicle.

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Home Insurance

Home Insurance

One of the requirements that your mortgage lender has in place is that home insurance is maintained as long as the loan is active. Once you settle the mortgage in full, do you have to keep the policy in force? While some jurisdictions to not require homeowners to maintain at least a minimal amount of coverage, it’s in your best interests to keep paying those premiums even though no one else now has a financial stake in the place. Here are some of the reasons why.

It’s Not Just About the House

The provisions in your home insurance policy are not just about the structure itself. Did you know that your plan also includes protection against theft? If a burglar breaks into the home and steals furnishings, electronics, or any of your belongings, there is a good chance that there is a clause in your policy to cover the loss. While it won’t undo what has taken place, the benefits from the policy will at least help you replace the items that were stolen.

Keep in mind that the terms of the policy also come in handy if someone is injured on your property. What would happen if a guest slipped on an area rug and managed to strike the head on the edge of a coffee table? How would the medical expenses be settled? You have protections in your insurance policy that cover accidents of this type and ensure the resources are on hand even if legal action is taken against you.

Have you noticed that your policy includes a benefit for temporary relocation? If your home is damaged due to a covered event and living in the structure while the repairs are underway is impossible, the provisions of your home insurance will cover all or part of the cost of renting a temporary place to live.

The bottom line is that you need your coverage even after the mortgage is paid in full. Take a good look at your current home insurance plan and compare the scope of coverage with the plans offered by the competition. Doing so will allow you to settle on a policy that provides the best coverage for the most cost-effective rate.

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