How To Save Car Insurance Money – The Newest 2020 Guide

LOS ANGELES (PRWEB) April 05, 2020

Given the current pandemic and economic crisis, it is important to manage our finances and start looking for better prices for essential services. Insurance expenses can rise to several thousand dollars per year. It all depends on several factors, including the model of the vehicle, driving experience and history, coverage limits, annual mileage and so on. Drivers can get better rates if they:

  • Look for discounts. The auto insurance market provides a high number of discounts. However, each company grants them after meeting certain demands. Ask the current carrier for a list of discounts and check for how many the requirements are met. The most common discounts include affinity discount, no-claims discount, safety gear discount, and low-mileage discount.
  • Improve credit score. Having an Excellent FICO credit score will also increase the insurability score. Companies place more trust into people who have proven that they can manage their payments. Ask for credit score reports first and check if everything is fine. If things are not that bright, look for ways of repairing the score, like using balance transfer credit cards.
  • Bundle policies and plans under the same contract. In many cases, signing for home and auto insurance with the same company will help drivers get a generous discount. Also, providing coverage for multiple vehicles from the same company will also grant access to a discount.
  • Adjust deductible limits. By increasing the deductible levels, drivers assume more financial responsibility. When filing a claim, clients pay first the sum of money agreed upon, then the company covers the rest. Selecting a high deductible will lower the premiums.
  • Park the car in a garage. Insurance companies usually provide lower premiums to those that keep their car in a garage. Using a garage has multiple advantages. Car theft becomes less probable. Another advantage is the lower chance for your vehicle to be damaged by severe weather, vandalism or rioters.
  • Keep a clean driving record. Clients can qualify for a good driver discount if they keep a clean driving record for 3-5 years. That means no claims or traffic violations. The discount ranges from 10 to 20 percent.
  • Keep a good credit score. Persons with average or poor credit scores pay more than those with an excellent score. There are several ways to improve credit score, including taking a short-term loan from a Credit Union.
  • Drive fewer miles. People who retire, use mass public transportation or carpooling should consider asking for low-mileage discounts. is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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Remote learning is the new normal: now what?

WINCHESTER, Mass. (PRWEB) April 05, 2020

Seemingly overnight, schools everywhere have transitioned to a remote educational model for the foreseeable future as we enter a period of extended social distancing. For school leaders and families who are trying to adapt to the new normal, I am sharing what we at Acera School are seeing and figuring out – as teachers, administrators, and parents – in this remote learning experiment.

Empowering teachers works: Teachers are devoted and creative. They know their particular students like no curriculum or norms can ever know them. Schools should free teachers to invent a daily agenda, activities and assignments, and an accountability plan. For example, middle school teachers at Acera are asking students to read editorials and write responses, and inviting kids to do a family interview on Storycore. Elementary teachers are launching small video-chat literature book club groups which mirror their in-school differentiated instruction book groups. Acera parents are telling us that having a daily schedule at home reduces students’ anxiety, and that a plan provided by a trusted teacher is making weekdays easier than weekends. Teachers need to be given the green light, today, to use free Gmail and Zoom accounts to get started, and then refine as they go. This is infinitely better than getting mired down in district-wide processes as students and families wait.

Have a daily call or video chat as a class: Set a standing time when kids can connect with each other and a primary teacher, ideally at the start of every day. Even in homes without a computing device for the child, parents are likely able let their child use their phone for a 15-30 minute morning meeting call. This is vital to feel part of a school community, hear and see their teacher and classmates, and get direction for their day. Here’s how we know this works: At Acera, our youngest group of students is in a classroom without their own chromebooks or laptops, and they are still developing their technical skills. During our first week of distance learning, this group was given a customized book of activities, but did not hold a class meeting at the start of each day. The result? Students felt dysregulated by the loss of schedule; some weren’t even getting out of bed. In week two, after launching morning, literacy group and math video meetings, parents reported a dramatic uptick in their child’s overall wellbeing. The teacher invented ways to make this work. Even if class meetings do not include a mini lesson, they create a sense of connection and community that is essential at this moment in time in our world.

Give kids a daily schedule to follow: Kids really do need structure, and they get tired in the afternoons. Following a schedule that echos their school day is a relief for both kids and parents. Having this published to them each day, at the start of the day, gives reference points everyone can fall back on. Kids are freshest in the morning, so we are focusing more academic learning in writing, reading and math at that time. We also encourage our students to take breaks for snack and lunch times that mirror when these take place at school, and remind them to go outside or do a dance video before starting afternoon projects. Afternoons are for more creative and hands-on projects that students choose from a list of options which are valuable and suitable for home, like working on an independent project, choosing an activity offered on a “project choice list” sent by their teacher, or reading/listening to a book. Giving choices honors students interests, hence tapping authentic curiosity and focus.

Offer project-based learning on topics that matter to students: There are many ways to weave creativity, making, and problem solving into home-based activities that build math and science skills. Evidence shows that hands-on learning "sticks" more than "book work." Right now at Acera, we are refining our remote learning model to launch afternoon electives that will be led by a specific teacher around an interdisciplinary project, with planned learning objectives in science and/or social studies content as well as a plan for growth of students’ thinking capacities.

Keep student (and parent) wellbeing and mental health at the forefront: Feelings of isolation are real. There are small yet powerful ways kids can stay connected and learn how to have agency over maintaining friendships and connection in spite of extended social distancing. Lunch “chats,” remote Dungeons & Dragons clubs, and an online classroom board where students can comment on each others’ projects are all ways kids can stay engaged in the world beyond their homes, while learning at the same time. At Acera, one teacher has created a series of daily “connection challenges” that she sends via video link to her students as a way to help them take action to avoid feelings of isolation. Parents benefit from guidance as the “coaches” of their child’s remote education. We have provided a guide to parents on bringing a “growth mindset” into their home, using inquiry learning tactics to facilitate students’ initiative and creativity, and coping with challenging behaviors.

We know that school should be in person, but we need to be at home amid this public health crisis. Kids can’t just wait for the world, though. The risks of anxiety and depression are real. Enabling kids to stay connected to their school communities is doable, and schools can just say “yes” to teachers to let them start and try and test and improve ways to reach and engage their students. Let’s start, fail, iterate, and try again. Let’s push to innovate and free our teachers, specialists and counselors to do their best to navigate, connect, invent and reach their students.

Courtney Dickinson is founder and director of Acera: The Massachusetts School of Science, Creativity and Leadership. Acera’s free downloadable remote learning lessons for K-12 schools can be found online at

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White Knight Press Releases Full-Color, Detailed Guide Book for Nikon Coolpix P950 Camera

HENRICO, Va. (PRWEB) April 05, 2020

White Knight Press has just released Photographer's Guide to the Nikon Coolpix P950, a full-color, detailed guide book covering the menus, features, controls, and operation of the Nikon Coolpix P950 superzoom camera.

This book, by Alexander S. White, is a complete guide to the operation of the Nikon Coolpix P950 digital camera. The book explains all shooting modes, menus, functions, and controls of this superzoom camera, illustrated by more than 300 full-color images. The guide shows beginning and intermediate photographers how to get excellent results using the many features of the P950.

The book explains topics such as autofocus, manual focus, HDR (High Dynamic Range) photography, Raw files, ISO, memory cards, and flash modes. It discusses techniques for using the P950's phenomenal zoom lens, with a maximum optical focal length of 2000mm, to full advantage. The book also explains the camera's features for remote control and image transfer using a smartphone or tablet with the P950's built-in wireless networking capability.

The book includes sample photos taken with the creative options of the camera, including the Picture Control settings, which alter color processing of images; the Creative and Scene shooting modes, with settings optimized for subjects such as the moon, birds, landscapes, pets, sunsets, and action shots; and the Coolpix P950's features for burst shooting and time-lapse photography.

In addition, the book provides introductions to topics such as street photography, infrared photography, and macro photography.

The book also explains the video features of the P950, which can shoot 4K and HD video with stereo sound and can record high-speed video at speeds up to four times greater than normal. In addition, the book describes procedures for using the Filter Effects option to add special effects to images after they have been captured.

In the appendices, the book discusses accessories for the Coolpix P950, including external flash units, remote controls, cases, and charging and power options. The appendices also include a list of useful web sites and other references, as well as a section with "quick tips" to help users take advantage of the camera's features in the most efficient ways possible.

This guide book to the P950 camera includes a detailed Table of Contents and Index.

The book is available now for $9.99 in PDF, iPad, and Kindle formats for download through The paperback version is available now for $25.95 from and other online sites. The ebook versions are available individually for $9.99 from online sellers such as Apple, Amazon, Barnes and Noble, Kobo, and Google.

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