Halaman

    Social Items

Visit Namina Blog
Home / Archived For March 2018


1. Do the Research Destination you want to visit

Well Research Destination is very important friends, beside you can start to know there "what's wrong?" "What are you doing there?" and "how long does it fit right there?" you will also be able to start determining the sights that match what you want to visit. Info to do Research now has a lot of source you can search from some social media or guide book tour.

And when you do research about the destination you want to visit, try to keep your time and energy alive, because some attractions may look not too far but in fact it will feel far and tolerable in because of a thing, like access, and also the natural conditions in location. So try for friends who want to Traveling not to be too pushy program if you travel alone without using local Agency.

2. Join the Tourism Community

Generally the members of the community will help you when you arrive at the location / city where they live and will gladly assist you to travel to the places you visit.



By joining in a particular community you will multiply friends outside the area and make it easier for you to go to an area with the help of your friends new friends. But you must also be careful again because the people you find in the Media is not valid yet so you can make sure from some sources to avoid the case that is not in want.

3. Travel Light

To be cheap and easy try to determine the destination where you will go all the way do not suddenly, because this is one of the most effective way for you who adjust the budget.



And avoid carrying most clothes and footwear, adjust to the season so no more need to buy. For practical purposes, bring in a single-use container and then discard it. Still minding bringing backpacks? When planning a day trip to a place, place items in the locker provided at some safe daycare. Bring only the important ones, such as wallets, cameras, documents, mobile phones in small bags.

Tips for Save the Road around Indonesia

The beauty of Indonesia is not only from the side of nature, but also culture, art, craft, culinary, to heritage relics.

1. Raja Ampat Island, Papua, Indonesia

Raja Ampat is one of the archipelago pride of Indonesia located in the eastern part of Indonesia precisely in the area of West Papua. Raja Ampat is very famous for its underwater beauty. Almost half of the world's fish species exist in the Raja Ampat sea. There are also many inns that offer the comfort and beauty of Raja Ampat natural scenery.


2. Bali Island, Indonesia
Bali is a popular tourist attraction in Indonesia. Everyone will know Indonesia from Bali. On the island of Bali there are many tourist attractions that you can visit. There are beautiful Kuta beach tours to enjoy the sunset. There is Ubud that provides natural attractions with rural atmosphere and there are also other tourist attractions that are not less beautiful like Bedugul, Tanah Lot and many more.

3. Bunaken National Marine Park

Indonesia is very famous for the beauty of underwater tourism one of them is bunaken marine park. Bunaken is located in North Sulawesi province. By doing snorkeling in the sea Bunaken, you will be pampered with the beauty of coral reefs and fish are very beautiful. Because of its underwater beauty, therefore bunaken enter into the top 10 most popular tourist attractions in Indonesia.

4. Komodo island


Komodo merupakan hewan yang masuk salah satu keajaiban dunia. Komodo hanya tinggal di pulau Komodo. Pulau komodo terletak di provinsi Nusa Tenggara Timur. Selain menikmati kehidupan binatang terlangka ini, anda juga bisa menikmati keindahan alam yang tak kalah menakjubkan.

4 Most Amazing and Best Tourist Places In Indonesia

Independent car insurance site Clearsurance recently ranked the best car insurance companies. The list is based on factors such as affordability, customer service, the scope of coverage and users’ likelihood to recommend their insurance to others or renew with the company.
Surprisingly, only two national insurance companies made the cut. The others were smaller and mid-size companies.
Clearsurance sifted through more than 39,000 customer reviews that policyholders submitted on the website. Here’s their list of the top 10 insurers:
1. New Jersey Manufacturers Insurance Co. (NJM)
Overall score: 4.7 - Despite being one of the smallest companies to make the top 10—selling insurance exclusively in New Jersey and Pennsylvania—New Jersey Manufacturers received the highest rating of any company with more than 100 reviews from its policyholders. The consumers in those markets have praised NJM for fair prices and reliable handling for auto claims.

2. USAA
Overall score: 4.69 - USAA is a national company that is exclusive to military members and their families, so not everyone is eligible to buy its insurance. But, based on the reviews of consumers who have dealt with USAA, those who are eligible would be wise to consider USAA when shopping for car insurance. The company has more than 28,000 employees and is heralded for its outstanding customer service.
3. Amica Mutual Insurance Company
Overall score: 4.51 - Amica is the highest-rated company on our top 10 list that writes auto insurance in all 50 states and is not limited to eligible-only members. Founded in 1907 in Rhode Island, Amica is the oldest mutual insurer of automobiles in the United States. The company offers a wide range of coverages and discounts, including multi-policy discounts for consumers who combine homeowners insurance with an auto policy.
4. Shelter Mutual Insurance Company
Overall score: 4.49 - Shelter is a midsize insurance company that sells various lines of insurance in 18 states. Its minimum coverage includes roadside assistance and new car replacement. Plus, the Missouri-based company offers a bevy of discounts to its policyholders for a chance to lower their premiums.
5. Erie Insurance Group
Overall score: 4.48 - Erie is one of the smallest car insurance companies to crack the top 10 list, operating in 12 states. The Pennsylvania-based company offers its Erie Rate Lock feature, which holds rates steady, unless you update your policy by changing cars or addresses. Erie also offers a diminishing deductible for each consecutive year that you are claim free.
6. Auto-Owners Insurance Group
Overall score: 4.45 - While not a truly national company, Auto-Owners is sizable. It sells insurance in 26 states and boasts 2.7 million policyholders across its various lines of insurance. The Michigan-based company offers insurance solely through independent agents.
7. AAA
Overall score: 4.34 - Well-known for its roadside assistance and membership discounts, AAA also is highly regarded for its car insurance by its policyholders. Although AAA services over 57 million members all over the continent, its customer service is personalized via regional clubs.
8. The Hartford
Overall score: 4.33 - This national insurance company is known for its discounts offered to AARP members. But The Hartford offers additional discounts, such as its 12-month rate protection, which protects policyholders from having their rates fluctuate every six months. The Connecticut-based company has been in business for more than 200 years.
9. Geico
Overall score: 4.28 - Geico, famous for its talking gecko commercials, was the most reviewed car insurance company on Clearsurance in 2017. Many policyholders praise the company for its prices and discounts, as well as the functionality of its mobile app.
10. American Family Insurance
Overall score: 4.27 - American Family has come a long way since it started in 1921, when it was solely focused on offering car insurance to farmers. Nearly 100 years later, American Family now sells insurance in 19 states and boasts more than 8.3 million total policies.

The Best Auto Insurance Companies For 2018

Car insurance is one of these commitments, and so is the car loan! Have a read, and even if this doesn’t fall in your garden, pass it on to someone you know could use the stern talking-to!
Getting a ticket…and then some!
If you are ticketed for traffic or parking violations, while they can very well affect your insurance premiums(based on prior ticketing history), they will not show up on your credit report. But let’s say, for discussion’s sake, that you decide you’re not going to pay that ticket because of some reason. Like, that copper profiled you! Or he wasn’t even there, this isn’t fair! You still have to pay that ticket. A traffic or parking ticket is like a seed, and rolled over fines get sent to collection agencies, and suddenly you’re under that branches of steep fees and nasty blemishes on your credit report. It should also be noted that it doesn’t take a straw to break this camel’s back – regardless of the circumstances leading to non-payment, or the amount – collection accounts spell bad news for your credit score. Drive clean and pay your fines!
If you’re borrowing…make sure you can pay it all back!
As we’ve indicated in several posts prior to this, buying a car is a serious endeavor, the considerations of which extend beyond just the car purchase itself. One primary factor is your ability to meet the commitments of your car insurance policy. Thinking about driving without car insurance? Sure! Just let us know how the view from your cell is…Additionally the loan you take to purchase your car, can actually do damage to your credit score, if it is managed poorly. For parents who are co-signing car loans to help get their kids behind the wheel, you can look forward to this being recorded as YOUR deficit completely on your credit report. It is important to remember when budgeting that expected costs must be integrated into your money-allotment strategy. If you can afford the car but not the car insurance, no go. If you can afford the car insurance, but not the car payments, no go still. Even if you think you can wing it by neglecting any payments, keep in mind that repos stay on your credit report for 7 years. Make sure you can afford the responsibility of having a car. Borrow smart. Buy smart. Insure smart. Repay. Keep it simple!

Car Ownership Mistakes To Avoid

Choosing an insurance plan is an intimidating process. Sorting through plans, understanding the terms of coverage, and trying to compare different terms are enough to make the average consumer’s head spin.
Therefore, it’s essential that consumers equip themselves with the knowledge needed to make a good decision. Independent insurance agents are an excellent source of information. They don’t work for an individual insurance agency; instead they represent a myriad of options from several different companies. 
Independent agents can help you make the right selection whether you’re insuring your car, a boat, your home, your business, or even your life.
Unbiased Advisors
-Unlike agents who represent a single insurance agency, a good independent insurance agent is more like a consultant than a salesman. They’re unbiased advisors who have access to companies with a broad array of insurance plans. An independent agent can assist you in finding the best plan based on price and coverage.
As an unbiased advisor, an independent agent will also regularly review your plan and see if a new option can help save you money or improve your coverage.
Better Service
Independent insurance agents rely on their relationships with clients, so they may offer a more personalized level of service than a captive agent. If you need help filing a claim or understanding the often byzantine language of your policy, independent agents can help customers navigate the murky waters of insurance.
Many independent agents will actively advocate on your behalf to your insurance company to make sure your claim is covered.
Easy Business
Many independent agents act as a “one stop shop” for different types of coverage, whether it be home, business, life, auto, and more. Branded insurance companies often can’t offer the best combination when purchasing multiple lines of insurance. Therefore, an independent agent may be more helpful in finding solutions.
Frequently, independent agents can help clients combine coverage to maximize savings.
More Choices
Unlike going directly to a large company, independent insurance agents come in many shapes and sizes, and they can bring you quotes from a diverse array of insurance companies. As a result, they can offer a plan that best matches your needs.
Independent agents also offer a higher level of flexibility. Associations like TrustedChoice offer consumers a large national portal to find different independent agency options. One large difference between independent agencies is their size, there are large independent agencies with many independent agents and large geographical footprint and also smaller, local independent agents that will still provide the same diversity of choice in coverage.
link: (1) insurancequotesfast

Why Choose An Independent Agent?

Subscribe to: Posts (Atom)