Looking for affordable auto insurance and you don’t know how to get better quotes? I have some tips for you which could result in getting the affordable auto insurance quotes you always wanted. The financial crisis affects us all – and this is a reason for you to start searching for the best quotes you can get for your auto insurance.
First of all, the cheaper car insurance in US is about $25-$30 per month, but it includes only the minimum coverage. You should check all your local providers’ offers and you could certainly get the best rates that you need.
After you choose your new provider, check for all the discounts you could get. First of all, you should check if they can offer you a home/auto discount. Including the home and auto insurance on the same policy can get you a nice discount from your provider. Next, don’t forget to have a safety-equipped car: airbags, anti-theft devices and also keep it safe in a garage overnight. Mentioning these aspects to your provider will also get you lower premiums.
Your driving record is also important. If you are a careful driver and didn’t get involved in any accidents before, and you don’t have any speeding or other kind of tickets received in the last few years, this could result in another advantage for you. Having a cheap insurance is tough, indeed, but if you are a safe driver on the road, you could save lots of valuable money from your yearly policy!
Don’t forget to think about your other family members, too. Adding more than one driver on the same insurance policy will also get you a cheap policy. Just think how much money you could save from your child’s policy (if he would choose a separate insurance policy he would have to pay some extra money due to his lack of experience).
If you have more than one car in your household, there’s also a discount available for you: the multi-car discount. Ask about it and you could also save money by using this little tip! On the other hand, you could use the advantage of having more than one car by asking for a low mileage discount. Maybe your wife or your kids don’t use their car every day – and if they are driving less than 7,500 miles per year you could also get a nice discount.
If you are a young driver – just ask for a new driver auto insurance discount. There are companies that also offer affordable quotes for youngsters! Usually, the rates are higher if you are a young driver – as your company will consider that the risk is higher and you could have more chances to be involved in a car accident. But if you will search for the companies that offer discounts for students or new drivers, you will certainly find affordable quotes for yourself!
Keep searching for the best offers and you will certainly save considerable money! Stay safe on the road!
For more tips on obtaining affordable auto insurance, visit Affordable-Auto-Insurance-Quotes.net. Compare affordable auto insurance quotes from major insurers fast, easy, and FREE using our short form. And if you’re a new driver, be sure to check out our special tips for saving on new driver auto insurance!
Sometimes it’s the little things that revolutionizes our lives, not the big ones. Just look at how a little thing like the simple email has completely changed our lives. And not only our personal lives, but also the way we do business. Just imagine how completely different our world be if we didn’t have email?
Likewise, online fax has been just as revolutionary, especially when you consider how business is done in this new computer age. Companies and small business owners have embraced this new way of faxing, totally changing the workplace setting or where work is done. Since online fax is simply using your email system (your faxes are sent as email attachments) and your Internet connection, your faxes are available anywhere, anytime.
It may seem to many, using words like revolution or revolutionary to compare online fax services may be going a little overboard, but when you consider that online fax turns every portable device, such as a cell phone, PDA, laptop or netbook into a fax machine; revolutionary is the only word that comes to mind.
Revolutionary because it has changed our whole concept of where we can work and do business. It has opened up a whole new area of opportunities and has made our workplace much more mobile. We can truly take our work with us, no matter where we travel. This can have significant importance if our business depends upon faxing to make sales, obtain new clients or for communicating with our employees.
Perhaps, even more important, online fax truly modernizes the whole idea of faxing, bringing it into our computer/Internet age. It makes all our faxing chores simpler, easier and much more efficient since there are no more missed faxes because of busy signals or paper jams. You can also send and receive multiple faxes at once which can be a major benefit if your have a large client list or need to contact a large group of customers immediately.
Then you have to factor in the point that online or Internet faxing is much more cheaper than the traditional way of faxing. Especially when you factor in the low monthly costs since most online fax services run around $10 a month, but you can find much better rates if you shop around and your faxing needs are minimum. Plus, you don’t have the monthly cost of an extra fax phone line because everything is handled with your computer and your email system. You also don’t have the monthly expense of inks, toners and paper since online fax is totally paperless faxing.
In order to use online fax you have to first sign up to an Internet fax service provider who acts as an intermediary to handle all your faxes. You are given an online account or interface where you can logon and check your faxes. You can also send your faxes from this online account, but there are many different ways to send your faxes. You can use your email system and many companies also have a desktop application which you can use to send and receive your faxes.
Perhaps, one of the most beneficial aspects of using these online fax services, you can get your own local or Toll-Free fax number within seconds of signing up. Within minutes you can be sending and receiving your faxes from wherever in the world you’re located.
How revolutionary is that?
For more information on Internet Fax Services use this handy online Comparison Guide to get your own: online fax services Or if you want more detailed information on Internet Faxing try here: internet fax services. Titus Hoskins Copyright 2010. This article may be freely distributed if this resource box stays attached.
It is quite challenging to manage an enterprise today, even when you have all the necessary tools at your disposal. Sadly, not all enterprises out there are able to afford the necessary tools in order to ensure a reliable management of the company. If you too are in such a situation with your enterprise, then you must consider the option of financing, and get the required tools without having to burn a hole in your pocket. There are a sizeable number of benefits with getting finance in this way, a couple of which are discussed in the following paragraphs.
Getting Reliable software easily
As mentioned previously, one of the best advantages of this is that you will be able to get reliable software that you might not have been able to consider previously. Enterprise Resource Planning (ERP) is quite a demanding task, and it is imperative to consider every single activity while being involved with it, no matter the scale of the activity. Thus, it is only natural to want the right software to perform the different tasks and an idea that is extremely practical and sensible to make use of.
Getting it on a lease
Opting for ERP software financing does not mean that you have to mandatorily buy the software. You can even lease the required software for a period of time dependent on you. For the companies that are unsure about the software that they might be making use of, this is quite an advantageous option to make use of. You can try out the software, get familiar with it and then decide whether you want it permanently or not. If you stumble upon any challenges or notice some critical bottlenecks that could harm efficiency, then you can simply opt out at the end of the lease, not having to commit to the software.
Pay flexibly
We all require a little wriggle room when making a big investment. Hence, financing should be flexible, which is the case when you opt for software financing. Even if you feel that you don’t have a lot of money right away, you can use a part of the profits generated from the usage of the software to pay for it over time. Hence, affordability is also taken care of in a way that is comfortable for your enterprise.
Feedback is a critical step for any successful enterprise. Without taking feedback, you might never really know if your clients are truly happy with your product or services. Growth is tied to feedback, which is what makes it so important. Thus, to be able to successfully grow, you should have well placed plans for customer relationship management (CRM) software that can be simple and not tedious for the customers to make use of. The established way of sending snail mail and requesting a reply is too slow and unreliable, which is why you require automating it. If automation is too expensive, there is always the option of software financing.
Affordable and simple
CRM software today is highly developed and technically advanced, but simple to make use of. It is an extremely powerful tool that can benefit any company out there. When you opt for financing to get this software, you can start reaping the benefits without even having paid in full for the software. This is something that all companies are bound to like and would want to make use of. Hence, make sure that this is also a part of the company’s growth plan.
Custom payment options
Payment is not necessarily predetermined and if you have any special requests, the financing company might be able to consider it and chalk out a custom payment plan for you. You don’t have to get afraid that you have to pay for it all at once or foot large installments. With customization of your payment plan, you can choose how to go about making the payments. When considering the budget of the company and how tight they usually are, this is definitely a big boon.
Keeping your customers happy
CRM software is a way in which you can directly contact your customers and avoid all the middle men in the process. Therefore, CRM software financing is a technique to keep your customers happy and not angry about not being served to their liking. At the same time, the process is also simple and relatively easy for anyone to follow. The results are better and the feedback obtained is more usable than usual. Your product quality automatically increases and growth is also guaranteed.
Chris Fletcher shares his knowledge about Software Financing solutions. For more details visit: www.crestcapital.com/Catalog.
If you wish to have more controlled and planned business, you should consider EDI software for any of your business. This is said to the one of the latest developments which will help to take your organization one step forward – and you should give it a serious consideration if you wish to bring about a structured change.
Here are some of the reasons on how you shall benefit when you use this software.
- If you are concerned on the transmission of fiscal information and statistics of your business, such a solution will help you. With EDI software all your credentials associated with shipping bills, important purchase orders and also crucial standard business communication is made easier. No more dependence on any type of manual work and later face troubles relating to its authenticity.
- This is not just a simple way of changing your existing style and approach of working. This is certainly a very helpful way with the help of which you can improve your processes and competence of your office, meanwhile streamlining your performance.
- Every work is completed at a greater speed. Invoice issues, getting purchase orders, allocation of mails and like work can now be carried on in just a few minutes. Your business will be able to save many labor hours with such software.
- One of the major benefits of using EDI software is that chances of errors are reduced. You no longer have to worry about the accuracy of the work done by your employees and even you.
- Delay in processing and tasks are one of the main problems of any business establishment. Physical work takes a lot of time but computers help to carry out the process at double speed. All evils which are related to conventional methods of doing work are avoided. Delays which are associated with handling of paper work, filling of documents and transportation and sending of documents are also reduced to a great extent.
- Everyone organization needs to go in advance and computerize with time. With the use of such software every type of your business transaction will certainly help to make your organization more competitive. If budget is holding you back, go for EDI software financing from a reputed company.
Tips To Choose the Best Software Financing Company
Financing Institution refers to any business house or group which provides you services and tools to take care of your different financial needs, for which you are required to pay an amount as an interest. This interest is charged on the sum which is borrowed. Such companies are ready to offer you monetary assistance for your house mortgage loan, for the payment of credit card bills, for purchasing investments and for similar needs. And today seeing the growing need for software by businesses that are often quite costly, some financing institutions are offering software leasing or financing.
You stand to benefit in many ways when you choose a good software finance company for your software needs. Here are a few things which you should consider when you decide on a financial institution before you take a decision.
- You should check if the financing company offers all those services which you are seeking. Suppose you are looking for a company which will help you with funds for buying a CAD/CAM software, you need to select a company which shall specialize in such software and not with accounting software.
- Try to find out where the company is located so that you can give a surprise visit to the institution. If it is positioned locally, you walk into its premises to check around the environment. If it is situated somewhere else or at a far away place, you should visit the establishment once to learn more about the ambience and the company.
- You can ask the representatives of the company to elaborate on the various clauses of the contract, to find out if there is any type of hidden clause which you might come across once the contract is signed. There are many financial companies which offer different policies which can be little tricky and often not disclosed at the time of discussion.
- You can try and find out more on the details and history of the company and all its previous dealings. You can gather more information on the top executives of such an organization and know more from their experience. This will help you to learn more on the credibility of the company and whether you can rely on such a company.
Chris Fletcher’s page features more about EDI software finance and other finance topics. Visit him at: http://www.crestcapital.com/Catalog – - free instant quote & web calculator!
With all the discussion about the growth industries including health, IT, education, green technologies, etc. that will lead the country out of its fiscal slump, you do not hear much about Black-owned businesses being a “growth area,” but it should be.
The primary reason for the launch of many Black-owned businesses was the “concrete ceiling” effect within corporate America that drove promising Black executives into the entrepreneurial arena due to limited advancement opportunities.
Other Black-owned businesses got their start because the founder had an idea and through hard work and tenacity, they fed that idea and built a business.
While that represents the two general viewpoints of Black-owned businesses being relative newcomers to the scene, that concept is not altogether true. Black-owned businesses were the staples of segregated Black communities before those business start-up concepts took place, so there is a long, and sometimes, tragic history of Black-owned businesses and a track record for their success despite tremendous obstacles.
Despite current economic conditions, there are still opportunities for those interested in starting a businesses and seeking out these growth areas to reach their full potential.
Black-owned businesses are able to personalize their service platforms and incorporate a unique cultural awareness all their own. According to Elbert McQuiller in his article, “Black-Owned Businesses Leverage Social Networks to Grow,” today’s technological advances are making it possible for many Black-owned businesses to “overcome some of the pervasive discriminatory practices that have plagued the Black community for years by denying them equal access to capital and subsequently limiting the growth potential of their businesses.”
Access to capital has always been problematic for minority businesses and increased funding options by community banks and other investment models has generated a new era for financing possibilities for aspiring entrepreneurs to step to the table with a business plan.
The National Black Chamber of Commerce estimates that there are one million Black-owned businesses in the United States that accounts for more than $100 billion in sales. However, Black-owned businesses are still classified as “small business” in comparison to other groups.
What are some of the tools that businesses can utilize to grow their companies and to maintain their competitive advantage? First, networking and building a support base with organizations that are geared towards providing resources and contacts is crucial. Organizations including the National Minority Supplier Development Council along with the National Black Chamber of Commerce provide Black-owned businesses direct contact with the “movers and shakers” in the public and private sectors who can help them grow and develop their business.
The United States Small Business Administration and the United States Department of Commerce-Minority Business Development Agency are government organizations that can also provide businesses with information and access to vital resources.
Also, businesses should join trade organizations specific to the company’s product or service model. The global arena provides new opportunities and marketplaces for businesses to bring their unique style. Having strong business acumen, building solid relationships and maintaining a flexible approach will help Black-owned businesses to continue their storied history of survival and success despite the odds.
Meta J. Mereday is a writer for ; Regal Black Mens Magazine The publication focuses on ; African American Community News Politics Sports Health The magazine features a ; Local Online Classifieds & Job Classified Black Business Directory Visit to read about ; Black-owned businesses
Since netbook computers have become very popular, more and more people wonder which netbook to choose. So we recommend you to read this article before making your decision – maybe it will help you to choose the right laptop for you.
Before choosing a netbook, it’s important to realise the difference between ordinary notebooks and the new computer market trend – netbook computers. Netbooks are usually smaller (they are typically equipped with 7 to 11 inch medium resolution screen) and much cheaper – a netbook usually costs less than $500 than conventional laptops. Of course the compact size also means that the keyboard is a bit smaller – a netbook keyboard is often 92% the size of a standard laptop keyboard.
Netbooks usually have ultra low voltage processors (in most cases an Intel Atom series processor) which aren’t known for great performance, but still are powerful enough to run Windows 7 operating system smoothly. These processors are great for browsing internet, working with Office applications and watching movies because they use less energy and therefore provide much better battery-life.
Nowadays most netbooks are running Windows 7 Starter/Home Premium versions or a custom made Linux distribution. Many netbooks have a dual OS setup – one of the operating systems is for example Windows 7 while other is a fast booting OS that allows you to access internet a few seconds after turning the computer on.
You should take in account that if you choose a netbook with Windows 7 operating system, then you should make sure that the computer has at least 1 GB (even better – 2 GB) of RAM to ensure that the computer will work fast. We recommend to upgrade to 2GB of RAM especially to DDR2 800 (not 667) because the faster one have about the same price.
If you want to use your netbook for watching HD movies, we strongly recommend to choose a computer that’s equipped with NVIDIA Ion or Ion 2 platform which greatly enhances multimedia performance, even while watching Flash videos on Youtube, Vimeo and other video services.
Abut netbooks small screen size. For simple tasks a limited screen size may not be a problem, but working with larger documents, spreadsheets, or multimedia tasks can be a headache for some with the smaller screens. Though 7-10 inches is typical, there are netbooks on the market with bigger screens, like the 11.6 inch Acer 1410 and the Samsung NC20 which boasts a 12 inch screen.
Another dilemma is choosing between netbook modifications with a traditional Hard Disk Drive (HDD) and netbooks that have a Solid State Drive. HDDs have greater capacity, but SSDs offer shock protection and better battery life. If you find yourself being rough with portable computer, it might be wise choosing a model with a flash memory SSD. If you are looking to get increased battery life some SSD models have an edge over HD models as well.
To sum this all up, you should choose a netbook if you want to buy a small and light laptop with good battery life for less than $500. Though you should be noted that you will have to live with a smaller screen and a compact keyboard.
James Pearman is editor of Computers and Consumer electronic portal gadgetine.com
Are you thinking about setting up your own private family foundation? It could be the most rewarding thing you’ll ever do — or not. Take this quiz and discover if a private foundation is right for you.
Simply mark the following statements as either true or false.
1. The main reason for creating a foundation should be the resulting tax savings.
2. Setting up a foundation is similar to setting up a corporation.
3. A private family foundation would make a terrific Christmas present for my family.
4. If I don’t like my foundation anymore, I just close up shop.
5. Done correctly, a foundation can be very rewarding and bring the family closer together.
6. It’s important to focus on political correctness when picking a purpose for the foundation, whether I like the activities involved or not.
7. A private foundation is private, so there are few if any reporting requirements and administrative hassles.
Answers
1. False. Tax savings may be one of the benefits, but you should focus first and foremost on what you’re passionate about and make that the mission of your foundation. To make your foundation work rewarding, you need to find a way to integrate it with your own passions and your life. Many of the tax savings actually come from your being able to pursue your passions on pretax dollars.
2. True. Setting up a foundation is very much like setting up a corporation. In fact, a foundation is generally set up as a corporation. There’s also a significant amount of legal and administrative work that must be done on an ongoing basis.
3. False. A foundation is a huge commitment. Unless your family has been closely involved in the decision making process, and is deeply committed to the foundation, it won’t work. “Surprising” your family with a foundation is a very bad idea.
4. False. A foundation, like a corporation, is a long-term commitment. It becomes an entity of its own. You can’t just start and shut them down at will.
5. True. If your foundation is truly built around your passions and those of your family, and is well integrated into your life plan, it will likely be very rewarding. And working together on a shared passion is bound to result in a closer relationship between you and your family.
6. False. Absolutely not. You must create your foundation around your own passions, not around what you perceive to be the politically correct issue of the moment. If you don’t, you will lose interest very quickly, and your foundation will become a chore, and maybe a nightmare.
7. False. The name notwithstanding, a private foundation is subject to numerous requirements. For example, there are reporting requirements, legal and administrative requirements, as well as requirements about disbursing funds to charities or for charitable activities.
The Results
How did you do? If you have answered at least 6-7 questions correctly, you may be ready to take the big step. Be sure to get all the fact, though, so your foundation will become the rewarding experience you deserve.
If you answered fewer questions correctly, you may want to get more information on private foundations. You need to find out more about how they really work and what is involved.
Get a free chapter of wealth management advisor Thomas Quinlin’s ultimate guide to using private foundations for wealth management. Questions? Call Thomas at 408-437-1410. Financial Advisor San Jose San Jose, 1798 Technology Drive, Suite 258, San Jose, CA 95110 Here’s a related article on private foundations
Are you still counting on Yellow Pages advertising for getting your new business? How has that been working for you lately? Read on to discover how you can improve your results significantly — and probably even save money on your advertising bills.
Many small businesses still rely on Yellow Pages ads for their advertising. It just seems the thing to do. After all, don’t we let our fingers do the walking when we’re trying to find someone to fix a leaky toilet, or get us out of a traffic ticket, or smoothen out of those wrinkles on our foreheads?
Indeed we do.. but where are they walking?
Well… we still let our fingers do the walking, except nowadays, they are no longer walking the Yellow Pages. Instead, they do their walking on the keyboard as they check out what comes up on Google. Isn’t that what yours do too?
So where does that leave Yellow Pages advertising? Sure, there are still a few people left who don’t have computers. And sometimes, you just like to search for your new chiropractor, dentist, lawyer, personal trainer, or financial advisor the old-fashioned way.
Most people go online to look for services
But the fact is that most people go online to find what they’re looking for. So while you may not want to give up your Yellow Pages ad just yet, or at all, let’s just say you might want to consider trying something else in addition. Then you can test to see which one brings you more business and take it from there.
So what else would you do? Of course, you want to make sure that people find you when they’re looking on Google for the kind of services you provide… You want to be right there, front and center. The good news is that there are ways to achieve that kind of result. One of those ways can be very expensive. But there are other ways, and those can be potentially a lot less so.
How can YOU be found online?
The expensive way is to buy advertising from Google AdWords. If you look up your keywords, let’s say, cosmetic dentists or plastic surgery, you’ll see that at the top and along the right side of the screen, there’s a whole gallery of ads. The people who are paying for those ads have placed high bids to show up on that first page, and every click on their ads will cost them dearly. The good news is that if you want results quickly, Google AdWords may well be able to deliver them to you.
Of course, we all know those listings are ads. That’s why many of us will also take a close look at the search results that come up naturally — and for free. And that’s where your business can appear as well, if you play your cards right.
So what does “playing your cards right” mean? It means having a website that is well optimized, so that Google considers it to be among the most relevant for the search results. The best thing? It can be both less expensive and more effective than either Google AdWords or Yellow Pages advertising.
Want more information about Yellow Pages advertising alternatives to promote your local business? Get a FREE report on how to increase your revenue with Local Business Marketing Strategies, by clicking here: RichmondWebMarketing.com. And here’s more on Local business marketing.
Getting into a top MBA program can be quite a challenge. And chances are that you’re not thinking about getting into just any old program either. You want a top notch program. Read on to discover a key strategy that will help you ace that MBA interview and get into the MBA program of choice.
Of course there is a lot of work involved when it comes to getting into a top MBA program. I bet you’re probably putting in a lot of effort into scoring good grades and especially good MCAT results. And then you’ll need letters of recommendation and an impressive resume.
That’s very helpful, for obvious reasons, but there’s something else that’s important. Those good grades and those impressive MCAT scores may help you get an interview, but it’ll actually be the MBA interview itself that will make or break your chances of actually getting in.
So what will it take to do well in the interview.
Here are a few tips:
1) They want students that will make them look good.
Remember that at all times. This is the key to getting into the program. Long after you have graduated, you’ll still be part of the program. If you do well, you’ll be one of their success stories. And they want as many of those as possible.
So whatever you do, you need to focus on what it would take to do well in the program.
Then do those things.
2) They want students who really want to be in THEIR program.
There’s nothing more demoralizing than having a student who’d rather be somewhere else. And since MBA programs have their pick of applicants, they will pick those who really want to be there.
So if you want to be among the top picks, research your prospective program and figure out as many solid reasons as possible why THIS is the program you really want to be part of.
3) Show commitment before they even admit you.
One way to do that is to visit their campus to check out the facilities, meet some of the faculty members and students there, and even attend a class or two.
It shows you’re really enthusiastic about their school, and it will put you on the short list of applicants once you actually apply and write about how much you enjoyed your visit and that you really, really hope that you’ll be accepted because you’re so looking forward to being part of their program.
4) How all of this will help you in your interview?
Once you get invited to the interview, you will benefit greatly from keeping all of the above in mind, and from having visited their campus before.
Remember, they want students who will be successful. So do what you can to demonstrate your commitment. Show them how well you’ll fit into their program and how much you’re looking forward to your time there.
And say a few nice things about your visit. What impressed you the most? Who do you want to study with? You get the idea. The fact that you have visited their program will make your enthusiasm all the more credible.
And for more tips on how to ace that MBA interview and get into the MBA program of your dreams, get your FREE special report and your mini-ecourse with even more secrets at www.MBA-Interview.info. More MBA interview tips.
If you are already involved with selling items on eBay but is still finding some difficulties with it, do not worry too much because there are specific things that you can do to make sure that you will be able to become successful in business eBay selling.
Whether you are a beginner in this field or already an expert, these advices mentioned hereafter will surely be effective in helping you attain success in your online business. The first thing that you need to do is to take care of all your customers. Taking care of them will show when you give them the time that they need when they are asking questions by answering all of them diligently. Treating your customers properly all the time will be a benefit for you because they will surely trust you and stay with you for a very long time. Aside from keeping your loyal customers always loyal, you will also be able to save a lot of money. The reason for this is because when you lose customers, it is just natural for you to find new ones. However, this is not that easy to do since this process will be costly for you due to eBay fees.
The next advice that one can use to be able to be successful in business eBay selling is to sell products that are currently in demand. Selling items that people are not looking for will really not help you in making money because not a lot of people will buy your items. And besides, it would really be more logical to offer people things that they are really looking for. You can research about the items that are in demand by using eBay Pulse; this works by finding out the most searched items in a specific category. This is just one eBay supply that they can use for free if they need and want to; there are really other tools that you can use to find out more information, the thing is that you have to pay for some of them.
The last advice that you can use to be able to sell well in your eBay business is to have a trusted and reliable wholesale supplier. To be honest, this is the most difficult part about your eBay business because you have to really take the time to look for a very good supplier that will suit your preferences. These suppliers are really very helpful because they help you in saving a lot of your time in buying the products that you need to sell on eBay. In addition, these suppliers can also help you in finding specific items for you that you really like to offer your customers. These suppliers can also help you in manipulating the products you will sell in your site in a sense that when it makes a profit for you, you can continue selling them; however, if the products do not produce earnings for you, you can just discontinue selling them.
These tips will really help you in making your business eBay selling a smashing success as long as you do them properly.
Ready To Start Your Own Internet Based Business And Make Real Money Online? For A Limited Time Only – Go To http://www.InternetBasedBusiness.com For Your FREE eBook That Reveals The Secrets To Getting Your Own Profitable Internet Business In 24 Hours Or Less!