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App Trends: Marco Polo Video Walkie Talkie

There’s an app taking the tech world by storm: the Marco Polo Video Walkie Talkie app. This app is a face-to-face messaging app where you can connect with friends and family and catch up with them.

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Trendy Person Video Phone

There’s an app taking the tech world by storm: the Marco Polo Video Walkie Talkie app. This app is a face-to-face messaging app where you can connect with friends and family and catch up with them. The app has been around for a couple of years, but it is now becoming trendier than ever. The app was created by a company called Joya Communications, and they aim to provide a convenient way for connecting people no matter what distance is between them.

I recently moved away to Toronto, and I’ve found that the app is a great way for me to communicate with my friends and family. Sometimes, you schedule Skype or FaceTime dates with people, but everyone can get busy and it can be difficult to coordinate. With the Marco Polo app, you can check the messages when it’s convenient for you or you can watch live and respond right away.

Family Video Message

Marco Polo vs. FaceTime or Skype

So, what’s the difference between the Marco Polo app or using FaceTime or Skype? For starters, you can leave video messages for later if the person isn’t available. The app is slick and user-friendly, and you can create group chats.

Person Video Chatting

How do you use the App?

Using Marco Polo is quite simple. First, you share the app and invite friends. Once you have some contacts, click on their profile picture and click the start button. The feed is live, and you can’t edit or redo it – it’s a spontaneous and live video. There’s even a bot that will demonstrate how to use the app.

Person on Smartphone

Extra Fun Features

You can get creative with Marco Polo by adding silly voice effects, camera filters, and doodles. Some voice effects include a helium balloon, a deep macho voice, and a robot. The app is also hands-free, so you can use it when you’re walking, preparing dinner, or on the go.

Marco Polo is a great way to communicate with the people in your life. Instead of texting, you can see people’s facial expressions, hear their tone of voice, and it is time saving. Plus, the service is free to use. Also, if you’re worried about privacy, no one else has access to your messages, and communication is private.

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Just the Tips: Cheaper Car Insurance

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Car Insurance

Car insurance sucks! That monthly and/or annual payment really sucks but, having an accident without insurance is a whole other level of sucks. Insurance is the law and a necessary payment in many people’s life and for that reason let’s explore getting everything you need for less. All the tasty coverage with none of that inflated premium aftertaste.

1) Shop Around
Data show that many people simply renew their current policies without shopping around. The Internet makes it easy to compare prices from different companies, so why not take advantage of this? Plus, you’ll usually get a discount of 10% or more just for buying your policy through an advertised promotion.

Auto Insurance Policy2) Policy Type
Do you really need a comprehensive policy with all the extras? Going for a third-party Fire & Theft policy can reduce your premiums hugely and is definitely worth considering if your car is not an expensive model.

Insurance Claim3) No Claims Discounts
Nearly all policies feature a discount that increases for every year you do not make a claim. Also look at insurers offering a “no claims bonus for life” feature, where your current discount level can be fixed forever, even if you have to make a claim somewhere down the line.

Excess Car Insurance4) Increase Your Excess
The excess on a policy is the amount of a claim you have to pay before the insurer pays the rest. Choosing to have a higher than standard excess level will usually mean lower premiums.

Car Alarm5) Get a Security System
Fitting your vehicle with an alarm, immobilizer, or other security devices can lead to premium reductions. Parking your car off of the street, for example on a driveway or in a garage, will also mean a cheaper policy.

Payment Options6) Pay Annually
Many insurers charge you interest for the privilege of paying in monthly installments. Pay annually if you can afford it to avoid this or look for one of the companies who do not charge extra for monthly payment.Speedometer

 

7) Lower Your Mileage
The more mileage you run up every year, the more your insurance will cost. Even if you can’t reduce your mileage, make sure you’re not overestimating how much you actually do drive, and give your insurer an accurate figure.

Young Drivers8) Limit the Amount of Drivers
The more drivers you have on your policy, the more it will cost. Reduce the number of people insured to drive your car to the minimum possible and try to get the policy in the name of a driver with the lowest risk profile. For example, if a car is driven by both a man and a woman, insuring it in the woman’s name will often result in a cheaper quote.

Responsible Woman9) Low Risk Candidate
Insurance companies are interested in managing risk and they offer drivers who are less likely to get into wrecks a lower insurance quote. When negotiating your policy make sure to highlight all the reasons why you are a low risk candidate. Insurance companies like boring people, so this is not the time to talk about your crazy spring break in Cancun.

Safe Volvo10) Buy a Safe Vehicle
The National Highway Traffic Safety Administration (NHTSA) and The Insurance Institute for Highway Safety together collect information on safety related aspects of different vehicles. Buy an automobile that is officially designated as “safe” for lower insurance rates.

Credit Score11) A Good Credit Score
As a risk management entity, insurance companies are also worried about getting paid on time. If you can show yourself to be credit worthy, there is less risk of you not making your payments on time, thus warranting a lower rate.

financial Responsibility12) Practice Financial Wisdom
The way in which you structure and pay for your policy can lower the risk that an insurance company faces with respect to you as a customer. By taking steps to lower their risk, you receive a lower insurance quote and policy. Opt-in for automatic payment deductions from your bank account or your credit card to avoid getting charged for mail payments and ensure payments are on time.

It was not too long ago when contracts were made on a handshake and a promise and individuals were not particularly concerned with things like insurance because they relied upon the goodwill of their neighbor to compensate them for wrongful damage.

Buying auto insurance today requires as much dexterity as buying the automobile itself. It is important to know the factors that an auto insurance company considers when offering quotes. This will allow you, as the consumer, to know what steps you need to take in order to qualify for a lower quote. Please call us for more tips, help, and the lowest possible rates.

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America is Free, But Healthcare Isn’t

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Sick Woman in Hospital Bed

[vc_row][vc_column][vc_column_text]America is a free country, a wealthy country, a capitalistic country, a democratic country, American citizens have rights that citizens of many other countries have never known. Yet, despite all our wealth and all our rights, many Americans are sick, very sick. Chronic illnesses and disease are at epidemic levels and a lack of healthcare is a very real issue for most.

 

 

There are various reasons for not having health insurance, but the main reason from which all other reasons stem is money. Many people just do not have the money it takes to pay for a substantial health insurance policy. People can generally get a good deal on health insurance if they purchase it through their employers, but not everyone is employed or works for a company that offers health benefits, and individual health insurance policies are much more expensive than the group insurance policy rates employers offer.

Health care is expensive, and health insurance is supposed to help cut the cost of health care; however, while health insurance does help us pay for health care, is heath insurance itself too expensive? For many, the answer is yes. If you work for an employer who doesn’t offer health insurance, are self-employed, or just otherwise can’t afford health insurance, don’t give up, let’s look at some options that may be right for you.

Stethoscope Cut Out Family

There are a variety of options when choosing health insurance, however, the main purpose of health insurance is to provide the “insured” with financial coverage that will help pay for the cost of care during thee sickness. Health insurance may also cover things such as hospital beds, lab tests, medicine, surgeries, x-rays, and more. Health Insurance will pay the cost of medical expenses due to sickness, illnesses, accidents, and childbirth. Each health insurance policy is different, and it is recommended to determine what types of services will be covered when choosing and comparing health insurance plans. The most common type of Health Insurance is Private Sector Health Insurance. Health Insurance varies from life insurance in a few ways. First, health insurance is purchased annually, and there is no guarantee that premium costs will not rise with each renewal policy.

Before you can qualify for medical insurance, you will more than likely need to undergo a series of routine tests. These tests will screen out any underlying conditions that may require you to need more medical services. Based upon the results of the tests, you may or may not qualify for medical insurance.

Unfortunately, many today are facing life without any insurance at all. There are many plans available and many different service providers and brokers that offer a wide variety of health care coverage to qualified individuals. For those who cannot afford to pay the premium cost of health insurance, they may qualify to receive government insurance through their state. The two programs run by the United States government are Medicare and Medicaid. Some local counties may also offer free healthcare to uninsured people through programs that are either federally funded or working on grant monies.

Many people are discovering that they cannot afford the premium price of the healthcare plans that are offered by their place of employment. This does not mean that they have no options available. The first step in determining whether you can afford your company’s health care insurance is to speak with your Human Resource department and see if there is a plan that they offer that meets your needs. You also have the option of researching several insurance brokers and agents online. This is a great way to find a free quote and get in touch with different brokers easily. By simply filling out a small questionnaire over the Internet, you will then receive a return phone call by brokers or agents who are interested in signing you to a policy.

It is important that you choose your health insurance plan carefully. Your plan is a legal binding contract and you have many rights to medical services and covered costs once you enter into this agreement. You should know your rights and understand the terms of your policy plan. Since most people agree that quality health insurance is the most important benefit that companies offer their employees it is necessary that you take the time to read the literature that pertains to your policy plan.

To get started on finding health insurance options that may be right for you it is extremely important to speak with knowledgeable professionals. Do your research of course, but always take the time to speak with knowledgeable professionals, they are there to help you. Call the number below to connect with health insurance professionals in your area.

 

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The Flower: Mother Nature’s Emoji

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Flower Bouquet

Keeping in touch is easy when you care. Anyone can be messaged within seconds, it’s awesome and crazy to think there were days when s simple message would require a live Raven and a lot of hope.

 

 

Since constant communication is a given between loved ones, actually, let’s say a given between “liked” ones, as love can be a tricky issue, lol, the effects of IRL (In Real Life) are sometimes overlooked or forgotten all together. A hug, a kiss, or even a simple high five are great feelings that can’t be replaced by a text message. The real-life component of life is extremely powerful, but unfortunately is not always possible when friends and families are spread out across the globe.

Fortunately, there are growing services that focus on bringing people closer emotionally when they are not able to geographically. A very compelling service includes one of human’s oldest gift… flowers.

Sending flowers to family, friends, acquaintances, business associates, etc. is extremely powerful and can have an extraordinarily positive impact on the recipient. Take those texts and emails to the next level, represent yourself with real life experiences as simple and beautiful as a flower.

Most leading florists provide same day delivery nationwide, as long as you order by mid-day. This is especially useful for sudden emergencies or forgotten occasions. But whenever possible, it’s a good idea to order flowers one or two days in advance, particularly for widely celebrated occasions like Valentine’s and Mother’s Day. You may want to consider having your flowers delivered the afternoon before an event, both to ensure they are enjoyed throughout the day and to provide a cushion for re-delivery just in case the recipient is not home when your flowers first arrive. Being a day early never hurts but being a day late can! For same day delivery across most of the U.S. and Canada, simply order in the morning. In most cases, your flowers can arrive that afternoon.

Work with your Florist
If you order flowers by phone, tell your florist the sentiment you want to communicate. Remember, your florist is the expert, so don’t feel that you must know the name of every flower, just mention the occasion, your relationship to the recipient, and if you have any favorite flowers or colors in mind. Allowing the florist to assist you with the selection of flowers and to design a bouquet just for you will often result in the best overall gift for your budget.

Before you order…
Have the spelling of the recipient’s name and his or her complete delivery address ready, including apartment number, company name, suite, or floor number. Delivery to “Jen” at “Rockefeller Center” probably won’t cut it. The recipient’s phone number is also very helpful to ensure delivery and may sometimes be required when want your flowers to arrive at the right place on the right day. So, make sure you’ve got your facts straight.

Express yourself
As important as the flowers are, if you don’t take a few moments to think about the card message, your sentiment could be lost. Florists will include a small enclosure card free of charge, and larger gift cards are also available. Have a short message ready when you call or ask for your florist’s advice. If you order flowers online, most sites will have suggestions for you. The important thing is to express yourself simply and personally. It makes your flower delivery gift all that more special. Also remember to include the sender(s) name(s) on the card, so the recipient knows who to thank.

If you are ordering flowers online… Call!
Remember that web sites can’t show every flower arrangement. There is an infinite number of combinations possible, so don’t be afraid to call if you don’t see what you are looking for. Florists excel at creating beautiful one-of-a-kind designs for almost every taste and budget to help you send just the right message with every flower delivery, calling is very powerful.

Autumn Flower Arrangement

The Magical Result
Sending flowers is a wonderful way to say, “thanks”, “cheer up”, “feel better soon”, “congratulations”, “your apartment smells”, “I love you”, etc. You can send flowers almost anywhere on almost any day, and there is something magical about how they make people feel. Floral gifts show how much you care, and at the same time they say a lot about you, the sender.

Please call now for flower delivery and let people know you care.

 

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