Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.
Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car's paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance. Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low! To get the most for your money when pricing automobile insurance, be sure to consider the extras that are included with some policies. You can save on towing costs with emergency roadside assistance that is included by some insurers. Others may offer discounts for good drivers or including more than one car on your policy. A simple way to save a bit of money on your auto insurance, is to find out whether the insurance company gives discounts for either paying the entire premium at once (most will give you a small discount for doing this) or taking payments electronically. Either way, you will pay less than shelling out each month's payment separately. One of the best ways to get great deals on automobile insurance is to speak to someone in person or at least on the phone. Insurance is automated and very easy to get online, but actually speaking with someone allows for the back-and-forth Q "�n' A session that may introduce you to some discounts you did not previously know about. It is vital that when making an automobile accident claim, that you have all the information available for the insurance company. Without it, your claim may not go through. Some things you need to have ready for them include the make and year of the car you got into an accident with, how many people were in each car, what kinds of injuries were sustained, and where and when it happened. Know different coverage options, and check to be sure your insurance provides the best coverage. Liability is important both for damage you cause to other people, and damage you cause to yourself or your own property. Other types of coverage that you need include protection from uninsured drivers and damage from fire or other disasters. With many insurance companies, teenagers have to pay more for auto insurance. This is because they are considered to be high risk drivers. In order to make auto insurance more affordable for teenagers, it may be wise to put them on the same insurance as a more experienced drive, such as their mother or father. You might be able to save on auto insurance by obtaining a bundled insurance package. Search for these types of offers, especially those that bundle auto and homeowners insurance. Ensure you are paying an affordable rate for good coverage as sometimes two sets of insurance is the better option. Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. You might be surprised at how much you can save by claiming discounts. If you want to avoid paying a high premium, don't drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars. When you go hunting for car insurance bargains, do not neglect your employer as a potential source of discounts. Many companies - even relatively small ones - have arrangements with insurers to get volume discounts for their employees. If your employer has such a program in place, you might realize significant savings by taking advantage of it. To ensure you continue to get the best possible car insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer. When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website. Consider switching your current insurance to a lower coverage policy to save a few more dollars. Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle, you may be able to lower your insurance coverage to save a little extra money each month. If you finance your vehicle, your lender may have requirements governing the level of auto insurance you must maintain during the duration of the loan. Generally, the requirements relate to how high you can have your deductible. Check with your lender before signing a new policy to avoid any conflicts. Ask your auto insurance company if they will give you a discount, due to whatever your chosen profession is. Some companies give rate discounts to customers who work in certain fields because they feel that you are a lower risk, due to your skills or the way that you may live your life. You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.

Cara Mengendalikan Mimpi


Seperti yang pernah dibahas mengenai lucid dream (lihat artikel ternyata-mimpi-bisa-diatur), diketahui secara ilmiah kita bisa mengendalikan mimpi pada kondisi mimpi tertentu. Ini kali apakabardunia akan membahas bagaimana caranya.

Patut disadari, mempraktekan teknik ini tidaklah gampang. Dibutuhkan latihan serta eksperimen berulang kali. Saya sendiri baru berhasil sekali dari puluhan kali mencoba. Kuncinya adalah kesabaran.
1. Langkah pertama, sebelum praktek di tempat tidur biasakan sering bertanya pada diri sendiri, "Apakah saya bermimpi?" dan sambil mencubit tangan, pipi atau bagian tubuh lain. Tujuan latihan ini untuk membiasakan saat nanti kamu mencoba teknik mencapai lucid di tempat tidur.
2. Buatlah jurnal mimpi. Letakan buku jurnal tersebut dekat ranjang dan segera menulis mimpi kita saat bangun. Kalau malas menulis, bisa mengetik di komputer, atau direkam, intinya mencatat mimpi yang baru dialami.
3. Dengan memiliki jurnal mimpi, kita bisa mempelajari waktu-waktu saat kita mengalami mimpi. Seseorang masuk ke alam mimpi biasanya setelah 60 menit tertidur. Bila kita terbiasa mengingat mimpi kita, maka kondisi ini akan menolong saat nanti menggunakan teknik mencapai lucid (akan dibahas di poin 4).
4. Inilah saatnya praktek dengan teknik mencapai lucid. Sebenarnya ada banyak cara, namun yang kita bahas hanya dua saja.
Cara pertama disebut WILD atau Wake Indunce Lucid Dream, adalah teknik yang dilakukan dengan 'kesadaran' orang terebut untuk masuk ke fase lucid. Atau dengan kata lain kita tidak tidur dalam arti sebenarnya dan tetap terjaga hingga melewati fase REM (Rapid Eye Movement) dan Sleep Paralyze yang akan langsung terhubung ke dunia lucid. Langkahnya sebagai berikut:

a. Relaks, dan tanamkan secara tegas sebelum tidur bahwa "saya akan melakukan lucid dream".

b. Pejamkan mata, visualisasikan hal yang tidak membutuhkan imajinasi atau emosi tinggi (misalnya membayangkan gradasi warna). Usahakan diri kamu tetap terjaga dan tidak terbawa untuk masuk ke deep sleep(tertidur pulas).

Catatan: Jangan praktekan bila tubuh sangat lelah, karena kita mudah tertidur dengan nyenyak. Setidaknya patokan ini cukup berhasil untuk saya :-)

c. Nikmati segala fase yang dirasakan, entah itu getaran, tarikan, dan lainnya. JANGAN PERNAH BERONTAK ketika fase ini terjadi.

d. Kamu akan segera masuk ke fase sleep paralyze. Satu hal terpenting adalah JANGAN MEMUNCULKAN RASA TAKUT. Pada fase ini kamu akan merasa seolah terbangun, tetapi tidak dapat menggerakan anggota tubuh.
Cara kedua disebut MILD (Mnemonic Induced Lucid Dreams), adalah teknik yang ditemukan oleh Dr. Stephen LeBerge. Teknik ini dilakukan dengan bantuan mimpi yang sebelumnya telah terjadi.

Langkah-langkah :

a. Lakukan tidur normal, pasang alarm 3-4 jam kemudian, dan bangunlah. 
b. Ketika terbangun oleh alarm, cobalah untuk mengingat mimpi sebanyak mungkin.
c. Setelah itu cobalah untuk kembali tidur, visualisasikan mimpi tadi dengan detail, dan katakan pada diri sendiri, "Saya sadar sedang bermimpi".
5. Buat tanda seperti misalnya coretan huruf di telapak tangan menggunakan pena/spidol. Terus ingat selalu tanda tersebut, tanamkan kedalam memori bahwa "jika saya bermimpi tanda ini akan selalu muncul". Pada akhirnya nanti kamu bisa melihat tanda tersebut saat tertidur.
6. Biasakan melakukan cek realitas. Salah satu cara untuk melakukan cek realitas adalah mencari "tanda-tanda mimpi" (elemen yang sering terjadi selama bermimpi, seperti yang tertulis di jurnal mimpi kamu).

Ketika tindakan ini menjadi kebiasaan, seseorang akan mulai melakukannya dalam mimpinya, dan dapat sampai pada kesimpulan bahwa kamu sedang bermimpi.

Contoh: Lihat jam apakah masih berjalan konstan. Atau menutup hidung dan mencoba bernapas. Cubit tangan kamu sambil bertanya, "Apakah aku bermimpi?"

Hal ini ada hubungannya dengan latihan yang dibahas pada poin 1 dan 2. Kalau kita sudah membiasakan melakukan cek realitas, misalnya selalu mencubit tangan dan kemudian pada suatu waktu kita tidak merasa sakit, atau sensasi berbeda seperti saat sadar, artinya kita sudah dalam keadaan lucid.


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Demikian salah satu cara mencapai kondisi lucid. Masih banyak metode lain yang mungkin kamu bisa cari tahu sendiri, lebih jauh bisa bertanya pada komunitas DreamViews. Sekali lagi, dibutuhkan banyak latihan agar berhasil mencapai kondisi lucid.

Ada beberapa hal positif kalau bisa berhasil, karena menurut penelitian lucid dream bisa membantu seseorang mengatasi mimpi buruk. Ya, kondisi lucid memungkinkan kita mengendalikan mimpi. Kita pun bisa bermain dengan imajinasi kita. Seru, kan?
Sumber tulisan dan all photos rights:


sumber : iniunic.blogspot.com 
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