A survey of 2,000 people showed that since the lockdown began, a lot of people used more energy in their homes than before. The study also suggests that there might be a rise in bills by 37%, which would increase the average price of energy bills by 32.31 euros per month or 387 euros per year.

A lot of people now stay at home while those who are working from their house has also increased. Therefore, it is an excellent time to look at how you can get to reduce your energy bills and opt-in for smart energy consumption. If you’re a student, thesisgeek.com can also help you save a lot of money thanks to their rates and discounts.

There is also an opportunity for your house to be greener as you get to save a lot of money when you re-evaluate your energy provider.

Five Ways to Reduce your Home Energy Bills during the Lockdown

There are several things that you can do to reduce the amount of money you spend on energy. It would also help you leave a greener life. Some of the ways you can improve are;

1. Let your appliance be as efficient as possible

When your freezers and fridges are on, you can save energy by putting off all other electrical appliances in your home. Your microwave, dishwasher, tumble dryer, washing machine, and the electric oven will always eat up electricity if they are all on at the same time. Pick up the habit of turning off your electronics appliances when they are not in use to save energy and money.

2. Defrost your freezer

Building up frost in your freezer means the appliance works harder. Therefore, it would use a lot of energy to keep your food cold. When you defrost your fridge, it will make it work less and use less energy to keep your food cold.

3. Keeping your freezer and fridge full

When you keep your fridge and freezer full, it uses less energy as the food would regulate the temperature. You can fill up your fridge and freezer with jugs and bowls of water rather than buying goods just for the sake of this purpose.

4. Make use of the warm weather

You can take advantage of the warm weather and dry your clothes outdoors. If you don’t have space outside your house, you can make use of a tumble dryer. You can also throw your clothes into a dry towel, which is a great way to absorb excess damp. This method also makes it possible for the appliance to be used for half of the regular time.

5. Switch your energy providers

You can also consider switching over to another energy provider. Or even have solar panels installed on your home to produce your own energy usage. To learn more about solar energy, click here.

6. Cultivate some green habits

You can do your environment and your health good by cultivating some green habits, even when you are just home.

7. Start getting green-fingered

You can save a lot of money. Be kind to your environment and also be less wasteful with activities such as composting and growing your vegetables.

8. Shop locally

You can also reduce your use of transport by shopping locally. You can also use the opportunity to support some local businesses. A lot of local grocers offer veg and fruit boxes, which is less wasteful and cheaper than the multipacks from supermarkets.

9. Wardrobe shopping

Fast fashion is one of the significant sources of pollution. As the lockdown eases, you can be more eco-conscious about your shopping decisions, or you can get a new skill and learn how to customize and sew your clothes.

10. Travel with a clear conscience

Cycling and walking, instead of driving, is a good habit of keeping up after the lockdown. If you rely on cars to move around, you can consider switching over to an electric vehicle that would help you save money and keep the carbon emission low.

11. Cut down on your use of plastics

Stop using plastics within your house. These plastics may include your cleaning products. You can also cut down on the use of takeaways and coffee cups. These actions would make a significant impact on the world.

Cutting down on your energy bills and making use of greener methods will help keep the environment safer for you. You can start by following the tips that we provided above.

Buying a life insurance is not just a fad anymore, but rather is a financial need. A life insurance policy can help protect your family financially when you’re not there to help them. However, when buying a life insurance policy, you may easily be swayed away with temptations to buy just about any policy, given that it costs you a mere fraction of your income.

This approach may work for a while but is not advisable in the long run. Perhaps, insurance policies, especially life insurance policies should be chosen carefully before paying the premium.

This may sound vaguely described, but there’s a simple and effective way to do that. Here are 5 questions that you should ask to help you make the right choice.

1. Why Do You Need A Life Insurance?

The reason to buy life insurance might seem as simple as securing the financial future, but there’s a lot more to it. Simply putting, a life insurance policy can help you provide an additional cover for your debts. It can also help you leave behind an inheritance for your future generations. The reason you should be asking this question is to ensure the right term for your insurance policy. To put this into perspective, covering financial obligations can simply be done with permanent life insurance, whereas, for obligations to your business partners or lenders, a term policy can offer an immediate solution.

2. What Are Your Options?

It needs no saying that the market is full of a myriad of insurance policies. It is up to you to decide which one is more suitable for you. But, of course, to make this decision you need to know the options that are available for your needs, particularly. For example, if you need the best life insurance for seniors, you must look for no-medical policies. Similarly, if you’re looking for life insurance at a very young age, say in your twenties, it is best that you look for long-term options such as permanent life insurance. Knowing your options will make your decision more convenient and you can be more flexible in your choices.

3. What Happens When You Die Early?

Well, this is something that most of the policyholders find difficult to decide. Your insurance policy is liable to pay the beneficiary whom you nominate in your policy, in case you die. However, there are certain discrepancies that your insurer doesn’t want you to know. There are certain scenarios when the cause of your death could decide the payout or whether there should be any. On the other hand, some policies also do not offer any payout, if the insurer does not die throughout the term of the policy. You should clearly enquire about these scenarios with your insurance company and understand the possible outcomes.

4. What If You Need To Upgrade Your Current Policy?

Most of the insurance companies would be glad to know that you are planning to upgrade your policy. After all, an upgraded policy means higher premium payments, which also means more revenue for the insurance company. However, when upgrading your current policy, you must enquire about the premiums that you’ve been paying until now. Would it be adjusted with the new policy, or would you have to start over again from scratch?

5. From Where Should You Buy Your Policy?

This is perhaps one of the most crucial questions that you must ask to yourself. Ideally, you should only be consulting with licensed insurers. You should ask about the experience of the insurance agent and then only proceed with searching for your policy options. It needs no saying that you can explore the internet, or ask your friends for reference about the best insurance companies they know about. And subsequently, if they can share the contact details to help you.

With these simple yet intuitive questions, you can have the answer that you seek- buying the right life insurance policy.

Being part of a household staff today has nothing to do with what it used to be a hundred years ago. Nowadays, it is a career choice for many who have decided to be responsible for their destiny, as they rent their services as self-employed individuals to one or many different employers; a life decision which is well worth looking into.

A Change in the Nature of Employment

In 2020, when a house hires staff, it implies a formal contract negotiated between two parties. In it, all tasks and responsibilities that are to be handled by the person hired are noted as well as salary, workload and holidays. Depending on the number of hours required, it is quite possible for someone to work more than one job at a time, as long as the hours don’t coincide.

Often, household staff chose to join an agency in order for them to find work and negotiate the terms. It is simply easier as these companies receive requests for new staff members on a regular basis. They can also place individuals all around the world, a great advantage for those who would like to travel at the same time. To learn more, here is an agency’s website.

Hired on Experience Basis and Personal Traits

Just like any other job, household staff are hired and paid according to their professional skills. Of course, in this industry, personal characteristics tend to be important since the person hired will be working close to family members, which means interviews are a big part of the hiring process. Recommendations from prior employers also play a big part in awarding the job.

Many Roles Have Melted Together

With the cost of staff today, it is almost impossible to hire as many workers as there used to be to run a house a century ago. Therefore, the candidates have to be able to multi-task. A butler can turn into a driver, while the gardener can also be a cook. It all depends on the required tasks of the given households and the experience and knowledge of the person hired. The more adaptable someone can be and the more valuable he’ll find himself on the market.

A Higher Level of Professionalism

These days, household staff schools have become quite popular, making the requirements much higher than they used to be. Employers are looking for candidates with a good educational background and a higher sense of professionalism. Certification will also be an advantage when looking to fill a vacant post.

Today, many universities and organizations conduct online examination. But, in the process of examination, a student or universities can encounter different problems. The data should not be encrypted and the examiners should be able to detect the candidates who are not genuine. The system of education is also changing due to advancement in technology. People are not using papers and pens to answer the question paper. Many universities today conduct online examination to save their time and energy.

System of conducting examination online

The universities install software to conduct examination online. It consists of various features to maintain the records of the students conduct examination and secretly store the data of the candidates. The software conducts in three different steps namely the creation, delivery and reporting. Different types of examinations are conducted such as the entrance exams, surveys and puzzles, mid-term and end term examinations and even distance learning examinations. This system is beneficial to the faculties, institutions and students.

The evaluators can save time as they need not evaluate the paper. They can instantly receive feedback about the students and accordingly they can plan their curriculum. They can conduct and manage tests effectively and also manage the questions banks.

The universities can also simplify their process of registration. The aspiring students can download the application form and fill the form. This software also contains the integrated payment system and the students can make online payments. So, the universities can reduce the hassles of managing large centers.

The students can save time drastically. They need not travel extensively to appear for the examination or interview. They can perform their examination online using tools and they instantly receive feedback. After completing the test, the computer automatically generates results. They receive feedback instantly along with benchmarks. The scores of the students are also validated.

The online examination should be created in a safe and secure environment. The tests that are conducted online should be cost efficient, precise and should be conducted in a proctored environment.

They use the cloud-based storage for maintaining the records. The data of the students should be maintained forever and the records of the exam should also be maintained. It contains a feature named as center management, so they can conduct examination from students from different parts of the nation or globe. They need not maintain branches in different cities or places. The system for grading is also automatic and hence they provide automatic grading system. So, the system accurately provides grades to the students.

It reduces the problems of logistics and the students or faculties need not extensively travel from one place to another. So, they should conduct online examination without minimal costs.

Traditional exams and online exams

The mentors or faculties usually prepare a question paper for the students. They usually type the question paper, proofread it and then provide the paper to the students. So, the students view the paper and answer the questions mentioned in the paper. Then, after the students complete the paper, the mentors evaluate the paper. But, when the mentor sets a question paper, the exam paper can be leaked. But, if an invigilator is conducting online examination, this problem does not arise. The records are secretly maintained. Usually, the questions also differ for every person.

But, the supervisors, faculties and students can enjoy numerous advantages when online exams are conducted. The internet uses tests and assessments to conduct exams. The process of online examination is automatic. The site offers easy-to-use interface and conductors. After completing the test, the students can instantly get a feedback.

The students and supervisors should follow three important steps for online examination.

Three important parties are involved in the process of online examination.

Supervisors are people who manage the system of the users. The supervisors also manage the test system, back-up and recovery process.

Conductors are people who prepare a question bank by choosing subjects and topics.

The test-takers are students who appear for the examination. They should write the question paper and get evaluated.

Before conducting examination, the environment should be examined and the question papers are also uploaded. The test takers are usually the people who are provided with IDs. They are able to log in and they can attempt the test. These tests are usually monitored and then can be proctored. Then, the user should submit the test and is evaluated by the conductors, depending upon the type of questions.

Today, the schools, universities and different institutions have changed their learning management system. This software is used for several purposes such as tracking, administering and reporting of various documents. It is used for facilitating a balanced approach and to easily spread knowledge to the candidates.

Why do we need the online system of education?

Several students appear for certain examinations such as the competitive exams, and other degree courses. The universities should establish several centers to conduct exams. So, the invigilators should evaluate papers from different counterparts of the world. So, they can overcome the disadvantages through online examination system. They should consume time to shortlist the candidates and choosing the best conducted. If online examinations are conducted, then the software manages the activities of the students. The students solve the question paper and instantly receive feedback. The records of the students are automatically maintained. The invigilators can easily evaluate the papers and shortlist the candidates. They can easily manage the candidates who are located in far-off locations.

Such institutions also can easily manage the logistics and the financial burden. The students can easily make payment online through payment gateway. So, based upon the document submission, the faculties can access the authenticity of the documents. They can also evaluate if the student is fulfilling the eligibility criteria and then select the best candidates. They can easily receive a notification after assessment takes place. The grading system online is accurate as a machine cannot commit any errors. But, due to work stress, the mentors usually commit errors. The students from remote areas can also appear for the exam.

 

Securing your family’s future is an absolute necessity, especially in the event that you are the only person who makes money in the family. Life insurance is the thing that keeps your family free from any potential harm in any event when you are nowhere to be found. Also, it gives defensive money related to you, and your family. It guarantees that you and your loved ones consistently get budgetary help.

Comprehensively, life insurance can be partitioned into a few kinds which are custom-made for an assortment of necessities: term life insurance, savings plan, endowment plan, etc. So without beating about the bush, let’s take a peek at the top motivation behind why it’s fundamental to opt for a life insurance policy.

As a matter of first importance, it offers demise benefits

Life insurance empowers people to ensure themselves and their families if any kind of terrible mishappening occurs in their life during the plan. The safety net provider pays a sum identical to the entirety guaranteed as determined in the agreement alongside relevant rewards. This is known as the demise advantage.

It provides you inner peace

When you return home from your office, you clearly don’t want to encounter any sort of robbery or flood damaging your house and family. And here’s where life insurance policy plays a significant role in providing you with the genuine feelings of serenity. Since you won’t have to worry about such damages as the policy will cover all the losses.

In case you’re keen on inward harmony, it’s additionally significant that term life insurance is less expensive and less tedious than a yoga retreat, and you don’t have to go out for it.

Minimal effort, high advantages

For a modest quantity of premium, insurance agencies offer huge payouts. For example, a term protection plan offers broad inclusion, which is additionally in excess of multiple times the measure of premium paid, for a modest quantity of premium. No other budgetary instrument in the market is evaluated this low.

It offers money esteem

The money estimation of changeless extra security fills two needs. It is a bank account that the policyholder can use during the life of the guaranteed; the money amasses on an assessment conceded premise. A few strategies may have limitations on withdrawals relying upon how the cash is to be utilized. For instance, the policyholder may apply for a new line of credit against the arrangement’s money esteem and need to pay enthusiasm on the advance head. Professionals at https://simplelifeinsure.com/ say the policyholder can likewise utilize the money incentive to pay premiums or buy extra protection. The money esteem is a living advantage that remains with the insurance agency when the guarantee bites the dust. Any extraordinary credits against the money worth will lessen the approach’s demise advantage.

Duty reserve funds

Whatever sum you pay as premium – be it a real existence or a medical coverage plan can bring down your all-out available pay.

It’s simpler than anything to apply for a life insurance policy

This is one of the unfathomable advantages of a life insurance policy. In pretty much 10 minutes, you can get free statements from a wide range of life insurance bearers, and pick the one that meets your requirements from that point.

You can even apply for it on the web. Get your documentation together and round out the application; you can do the entire thing during over a few business breaks. In the event that you need assistance, you can even connect with one of the extra security specialists.

Accomplishes long haul objectives

Since it is an instrument that keeps you put resources into the long haul, it would assist you with accomplishing your drawn-out objectives. For example, purchasing a home or arranging your retirement. It likewise gives you various venture choices that join various kinds of approaches.

A few arrangements are attached to certain speculation items that deliver profits dependent on their presentation. In the event that you are picking a venture connected arrangement, make certain to peruse the fine print to be completely mindful of the potential dangers and returns.

Life insurance and life insurance plans are an outright need today. Extra security is a hazard minimization and assurance apparatus that can help safeguards and their wards in various manners while managing an assortment of life occasions. By understanding the key advantages of a life insurance policy, you can settle on an educated choice.

Laying basketball is quite interesting. Despite the fact that it has been considered as a gents game for years, today this norm is rapidly changing as girls are also getting their foot into it. As a matter of fact, most learning institutions are have adopted it as a unisex sport. Ladies have actually portrayed a great interest for basketball and there is need to see how you can be aggressive while playing this game if you are a girl.

Most families have resorted to building a basketball pitch in their yards in regard to their love for the game. Unfortunately, it is carrying away the attention of kids form their book most being seen to neglect their homework to get enough time to play basketball. You should not let this happen to you or your children as education is key even in being a successful basketball player.

Are you a lady and your interest in basketball is growing day after day? There is a dire need for you to learn how to be an aggressive player. Dissertation experts prepared these five ways you can become a zealous basketball player.

Being Assertive

Be confident that you will make a good player. This will increase your levels of aggressiveness while playing and you will be able to employ the right tricks to win the game.

Being confident is one first thing you should pursue if you are to be an aggressive basketball player.

Visiting a Gym Facility and Doing Frequent Exercises

Always keep your body in the best physical condition. This is one requirement you cannot do if you are to be good at basketball. Daily visits at the gym can really do you good in building your stature into a strong being. Do some work outs to keep your body in the best condition that can withstand fractures. There are some rules to follow as you play this game and that is why you should pay attention to your tutor and do as many practices as you possibly can.

Mental Attitude

A good mental attitude can see you heights you’d rarely imagine. Your stature may not matter much if you have the right mindset. A good attitude allows to perform all sorts of tricks while playing to make sure you play right, it is therefore very necessary that you work on your mindset before you get in the pitch.

Learning

We ought to be open to learning new things daily. Whenever an opportunity presents itself, be ready to gain as much knowledge about the game as possible. You can learn from your tutor or your senior peers.

Be Passionate

Passion is one thing you can never excel without. Being young should not stand as an excuse either. With a zeal for basketball, you can easily become that aggressive girl in the pitch.

Conclusion

For you to be an aggressive player, consider these tips and you will stand out as a professional basketball player.

 

Electric bikes are an excellent method of transportation that is meant to make your life easier. They are a great environment-friendly and money-saving option. Whether you like to have a commuting option or just a relaxing hobby, you should consider checking some good mens electric bikes. However, you must know a few things before you ride. Keeping yourself and the others are of extreme importance.

Source

Protective gear

It is very important that you wear a helmet when you ride an electric cruiser bike. It will offer you protection in any case. Wearing a helmet might be a topic that is always prone to discussions. However, it is always better to be safe than sorry. Don’t worry about looks, as now you can find good looking helmets that can complement your whole outfit.

Install lights

Riding a bicycle at night can be riskier, compared to daytime strolling. If you want to be safe when the last sunray disappears from the horizon, get lights installed on your bike. In many cases, the ones that are already installed on your bike won’t serve the purpose. You need strong lights that will do the job. It is always better that you get LED lights. Install at the front and one behind. This way, you will make sure that passing cars will notice you in the darkness.

Get a horn

Most of the ladies electric bike models come with a simple bell. However, you should make sure that you don’t rely on that only. Keep in mind that the bell is there for you to give a hint to the pedestrians in front of you. If they are on the bike trail, then you can warn them with a simple bell sound. However, this isn’t meant to warn the cars as drivers won’t listen. Install a bike horn so that you can warn the car drivers if you need to.

Ride in the correct direction

To be safe, many people might skip the rule and ride in the opposite direction. They think that they have more visibility and can easily spot approaching cars. But, this is a very wrong approach. It can trick you into thinking that you are completely safe. But, you won’t be able to check that one car that tries to pull up on the road. And this can end with a disaster. Ridin in the correct direction of traffic is always the safest option. Keep in mind that accidents that include a rear collision are very rare.

Check your tires before you go

The tires are crucial for your bike. Always check them if they are properly inflated. Tires in good condition will improve your performance. But, there is another great aspect that you should be aware of. When your tires are properly inflated, you have better control and can manipulate your bike easily. This is extremely important in case you need to avoid a collision.

 

The use of cannabidiol has become rather widespread. It is a non-intoxicating compound extracted from marijuana and hemp, completely safe for human consumption. Scientists have recognized all the benefits that come with this product and now people can enjoy them. It is regarded as a natural remedy for pain, anxiety, and many other ailments. Related content.

The Effects Of The Legal Status

Recently, CBD has gained legal status in most states. That comes as a relief for many individuals who need to use their products for medical purposes. But, it is also very useful for those who use it for preventive measures and with the aim of improving their general well-being. However, this has raised some concerns among employers.

These concerns mostly stem from the fact that employers are worried whether using CBD can decrease the productivity of their workers. More precisely, they wonder if the product can get their employees high. That wouldn’t be a very nice view, nor would it be a good example for other people in the workplace.

Imagine coming in one day and seeing a couple of your co-workers stoned. You laugh for a while and then probably join in on the fun. Eventually, your employer is pulling their hair out, while steams of anger are coming out of their nostrils and ears. It would be like watching a cartoon. It would also be illegal.

However, it appears that managers and business owners have nothing to worry about. As I have already said, CBD is a non-intoxicating compound, meaning that it cannot get anyone high – not even a little mouse. In addition to that, many companies, such as Envy Hemp CBD, are now making water-soluble CBD. So, when you use it in the workplace, your associates won’t be looking at you as if you were crazy, because it is just like drinking water.

Benefits

But, let us now put the employers’ minds at ease by explaining exactly how this medicine works. This way, we will solve the “high” scare once and for all, while also letting users know how they can benefit from this product. And, don’t be surprised if you see your boss using it during your next shift.

More Absorbent

Provided that you are not a two-year-old who accidentally stumbled upon this website, then you must know that the human body is mostly made of water. Due to that, it absorbs water-based supplements faster than any other kind. When it comes to CBD, this means that you won’t be wasting it. In other words, your body will use more of this compound to its advantage.

That means that all the benefits you would usually get can even be further increased. In addition to that, not one mg of CBD will go to waste by using it this way. So, you can enjoy a nice drink at your workplace, while also getting the best out of the cannabis-based product that won’t get you high. Again with the “high” thing, huh? Well, I cannot stress the information enough – for your employers, remember?

Here’s some more useful data: https://healthbizdecoded.com/cbd/benefits-of-water-soluble-cbd/

Cost-Effective

I am going to be completely honest with you. Water-soluble CBD will definitely cost more than some other products in the short run. However, there is a big difference between expensive and cost-effective. And it is high time you learned this difference. Check the dictionary, for starters. It might make some things clear to you.

We have already established that this drug is associated with high levels of absorption and low levels of product waste. That means that any results you are trying to achieve will come faster. And when you get faster results, that means that you won’t have to buy enormous amounts of CBD. So, you buy less – you get more. Cost-effective, get it?

In addition to this, there is another good thing that I have to share with you. You can add this drug to any beverage of your choice. No matter what you like to drink, CBD will fit in perfectly. And in the end, I have to say what I have been saying all along. But, just in case, here it is once again – this product cannot get you high. Workers – go ahead! Employers – stop worrying!

Prior to buying car insurance, there are several different things that you should keep in mind. It doesn’t matter if this is your first time or fifth time buying car insurance, the same rules apply. The goal is to gain enough adequate coverage to help keep you secure in an event of a car accident.

You also want to make certain that you are not paying way more than you should. Not doing enough research or comparisons will have you stuck in a premium that will end up costing you. Remember, when there are car accidents, asking for claims is a complicated process. So, you must understand everything about claims adjustments beforehand.

First, always make sure that you determine the amount of coverage you need. Depending on which state that you reside in, requirements will vary. For first time drivers, you should make sure that you do a thorough overview of general car insurance before proceeding. Depending on what your level of risk is, your comparisons will be a little bit different. You should also consider getting enough liability protection if you have a lot of assets. For example, if you have bodily injury coverage of up to $50,000, but only $100,000 in assets, an attorney could sue you for the $50,000 that is not covered in your policy if you are at fault of an accident.

Next, make sure that you review your insurance. This goes for those who already have insurance. Going through your current auto policy will give you the information you need. You need to figure out how much coverage you currently have as well as the cost of your monthly premium. Once you have this information, you can easily compare new quotes and possibly get something cheaper, if you are overpaying. Or maybe you are looking for car insurance for Victoria. Either way, knowing what to look for prior to obtaining new quotes will have a huge impact on the results.

Third, make sure to always check your driving record. You need to make yourself aware of any tickets that you may have gotten in the past. If this information doesn’t come to you at the top of your head, you can always get this information from your state’s DMV office. Your driving record could improve if any past tickets are due to expire from your record. Until this happens, think about waiting to apply for any car insurance unless you need it immediately. Having a bad driving record is the quickest way to increase your car insurance premium.

Fourth, when you begin shopping, make sure to start with online services to obtain quotes. You should give yourself some time to complete this task. Online sites simply ask for your personal information such as your driver’s license and vehicle registration number. You will be able to gain a list of different quotes from different companies by simply typing in your information. Sometimes major insurance companies will only allow you to get a quote by going to their exact website or by calling them. You can narrow out those companies by getting any necessary recommendations from friends and family. Keep in mind that quotes should only take about 15 minutes to get once you begin filling out the forms.

Also, make sure to gather any necessary information regarding the company. During your research, take as many notes as you can so you can keep track of both coverage and price. You also want to write down both the monthly and annual rates for each type of coverage you are shopping for. Write down the company’s direct phone number so you can call them with any questions you could not find answers to. Do yourself a favour and try to keep track of the payment policy for each insurance company. For example, write down when the payment will be due and what type of payment plans are available. You also want to make yourself aware of any consequences for making late payments.

Last, make sure that you look for any necessary discounts when shopping around. All of your options should be explored when looking for discounts. You could be eligible for a car safety discount, or even a good driving record discount. Some insurance companies give discounts for students and professional affiliations. These will help tremendously when it comes to lowering the amount on your premium.

Prior to shopping for car insurance, make sure that you weigh all of your options and do as much research as possible. This will help you to not avoid any mistakes. Car insurance is important to have to avoid any consequences and to also protect you if you are ever in an accident. When calling insurance companies, ask questions. Also, receive recommendations from people that you know and trust.