February 2015 - Susman
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Auto Coverage Analyzer

Buying a car means taking a well thought out decision. However, sometimes taking a well-thought, wise decision gets difficult. This is even more so, when it involves a big investment decision like buying car and insuring it. One wrong decision and you might end up in a financial soup. Once you have already bought a car or you have owned a car for sometime now, it is time for getting it insured.

Factors

Now, when we come to think of car or for that matter any auto insurance there are quite a few factors that have to be considered before settling for a particular market offer. Analyzing these factors would determine which auto insurance policy suits your needs the best. Or else you might end up paying too high premium or not taking enough coverage for your automobile. First of all one has to consider what is the purpose of owning it. Whether it is for personal use, used as public transport such as private taxi, or used in transportation of heavy duty or light duty industrial goods or is it put to some other use. Age is also a major consideration. Old vehicles have to pay higher premium as compared to the new one. Type and model of the vehicle also play a major role. Like wise there are N number of factors that need to be checked out.

Getting The Right Insurance

When you buy auto insurance online there are large numbers of sites that offer auto insurance on each site there are quite a few number of market offers. This makes online shopping for the right kind of auto insurance a tedious task. However, there are some sites that provide automated tools that assist you in determining what kind of auto insurance would work the best for you and how much coverage do you need. These tools or auto coverage analyzer can go a long way in helping you save a whole lot of money on auto insurance.

Wrong auto insurance would leave you paying amounts that are too high and paying extra for coverage you may not need. On the other hand, if you choose amounts that are too low, you risk being uncovered in case of an accident. Thus, whether you’re shopping for new auto insurance or renewing your existing policy, Auto Coverage Analyzer can help you make the right coverage choices. All you have to do is answer a few question about your financial standings and your automobile conditions, price tag, coverage needs etc and the auto coverage analyzer would automatically generate coverage category wise auto policy value recommendations and explanation as to why is it needed.

Auto accident checklist: Tips on what to do following a car accident

Hopefully you will never be involved in an auto accident or need to file an insurance claim. Even the most careful and skilled drivers, however, can easily find themselves in the middle of a crash. Would you know what to do? Knowledge of what to do after the car accident can help make the insurance claims process easier and smoother so that you are back on the road faster.
If you are in an auto accident:

1. Try to stay calm, stop your vehicle and check for injuries. The life and health of you, your passengers and the other people involved in the accident is far more important than the vehicle itself.

2. If required, call the police and let them know of the accident, your location, how many people are involved, whether there are injuries and the types of injuries.

3. You may wish to take reasonable steps to protect yourself, and your vehicle, from further damage. Where possible and if legal, move the autos to the side of the road and turn on your hazards as soon as it is safe. If you have flares, you may wish to use them to warn oncoming traffic and to prevent additional crashes.

4. Taking lots of notes is a good practice, like:

• the date, time and location of the accident
• how the accident occurred – sometimes a drawing is worth a thousand words and can help enhance what you’ve noted
• the type and location of damage to your car
• the type and location of damage to the other cars or property involved
• the names, addresses and contact information of all drivers and passengers involved in the accident
• driver’s license numbers and all the information on the licenses
• insurance identifications including the name of the insurance company and policy number
• the names, addresses and contact information of witnesses
• the names and badge numbers of police officers or other first response personnel

(Being able to take notes is important so keep a pen and pad in your glove compartment, just in case.)

5. You may wish to ask the police officer when and where you can get a copy of the accident report. There’s a good chance you’ll need it when you submit your insurance claim to your insurer.

6. It’s usually a good idea to call your insurance company right away and report the accident because the sooner they know about the crash the quicker they can start working to resolve your insurance claim. As well, they’ll be able to explain the next steps, like where to have the car towed if necessary and arrange for an adjuster to come out and appraise the damage before any repair work is done.

7. There are a couple of don’ts you might want to consider like don’t discuss the financial limits of your auto insurance policy and avoid discussing the responsibility for the accident or circumstances of the accident with anyone other than the police or a representative of your insurance company.

Auto accidents take a significant toll on everyone involved. But, if you stay calm, make safety your priority and follow the above tips, you will get through the ordeal of being in an accident and submitting an insurance claim.

Arizona Car Insurance Quote – What Is Too Much To Pay?

Arizona auto insurance is not cheap

Arizona ranked as the thirteenth most expensive state for auto insurance during the years 1999 to 2003. With insurance average insurance premiums rising to $920.38 in the year 2003 that is nearly a 5% increase from the previous year. If these trends keep up the average for 2005 premiums paid will be about $1014.00.

With more than 3.3 million cars insured privately in Arizona there is plenty of opportunity to shop around and try to decrease what you are spending for car insurance. Even with high risk drivers saving money on auto insurance is quite easy.

Where do I start saving money on car insurance?

The first place to look to save money is with the deductible. Many don’t know that deductibles can vary with each form of insurance coverage that is offered. You may have $250 deductible on comprehensive claims and a $500 deductible on the collision claims. Raising these deductibles can save money every month. Before increasing the deductibles compare what the savings are per month with what you would pay in the case of damage or an accident.

Many people do not change their insurance policy as their car ages. The fact that your car depreciates so quickly can allow you to save money on auto insurance. If your $30,000 car is now worth $5,000 then full collision coverage may not be that beneficial considering that you would pay more to insure the vehicle after a claim than you would to just pay any claim out of pocket. Remember after a claim insurance rates are increased and this makes many small claims cheaper to pay for rather than file a claim with an insurance company. Since these small claims may be paid for out of pocket decreasing your coverage can save a lot of money every month.

Please visit our recommended sources for insurance quotes.

Are Your Home Insurance Premiums Constantly Rising?

Last year the UK’s average premium for Buildings Insurance increased by 1% to just over £205 and the average for Contents Insurance rose to £151, up 2%. But within the market we’ve seen some much bigger rises – if you’re with Norwich Union you’ll have seen your premium rise by around 6%.

So what’s going on? Every year we see premiums rising. Surely with so much competition in the home insurance market, you wouldn’t expect to see such inexorable rises in premiums?

Let’s consider the situation more carefully.

The cost of repairing and rebuilding houses is a reflection of the rising price of labour and building materials. This means that cost to the insurers of claims under the buildings cover similarly rises. So as their costs rise, so do your premiums. And there’s also the indisputable fact that cost inflation also affects the insurance companies own operating costs. Wherever possible, they’re bound to add a little extra on for that!

Then there’s that lovely British weather. Michael Fish could be forgiven for believing we don’t live in a hurricane zone, but nevertheless it’s a fact that storms, and especially floods, are becoming ever more frequent. Flood damage can be particularly destructive with, according to the Association of British Insurers, the average insurance claim ranging between £15,000 and £30,000. And during the last 18 months we have seen particularly destructive floods create headline news at Helmsley in North Yorkshire, Carlisle, and Boscastle in Cornwall. Those events must have cost the insurance companies multi-millions.

The other area where costs have been rising is burglary. The average burglary claim has now risen to around £1,400. There seem to be two reasons – firstly burglars are finding pickings easier to come by and move on. Modern family homes are packed with valuable electronic gismos – from laptops to I pods, digital cameras and flat screen TV’s. The other reason is that burglars are targeting well-off neighbourhoods more and more.

Against this background the insurance companies are able to price home and contents insurance down to individual postcodes. If their records show a problem with flooding, or subsidence, or an increasing incidence of burglary in you immediate area, their computers will load your premium to reflect the additional risk.

Your no-claims discount will only serve to offset these upward pressures to a certain extent. And don’t forget that once you have a five years no-claims record, your discount doesn’t increase, it’s capped. Thereafter, all the premium increases will land fully in your lap.

So what can you do to save money?

The most important step by far, is to shop around every year for the best available deal. Maybe it’s a chore, but thirty or forty minutes on the Internet (including ten minutes on this web site!) will yield you results. Within that space of time you’ll have found the cheapest insurer and, as an online customer, you’ll probably have qualified for an additional 10% discount. Then you can always agree to pay by direct debit – that’ll also trim off a bit more.

Of course there are other things you can do, especially in the arena of home security. Join the local neighbourhood watch scheme, install security locks on your windows, fit external security lighting, up-grade the locks on your doors and get a burglar alarm. Added security will earn you discounts on your insurance but will cost you money to install! Perhaps the added peace of mind alone will be worth the cost. Only the local neighbourhood watch scheme arrives free!

The best general rule is don’t stick with the same insurance company too long. Keep them on their toes. They have a tendency to take loyal customers for granted. Yes, it really does pay to shop around – try it and prove it to yourself!

Are You Covered And Don’t Realise It?

Amanda was 42 when she was given the difficult news that she had ovarian cancer.

The West Yorkshire woman received chemotherapy treatment after diagnosis, but Amanda became one of the unlucky ones. She had a bad reaction to the chemotherapy and because of this she was unable to work.

So when a tax bill arrived in the post for a large sum of money, re-mortgaging her house felt like the right thing to do. The building society with whom she had the mortgage asked her to bring along her life insurance papers to support the mortgage application.

But to Amanda’s surprise, what she thought was a life insurance policy was in fact critical illness insurance instead. She had been paying out £80 per month for two separate insurance policies with Scottish Provident and Norwich Union and had absolutely no idea that those two policies covered her for critical illness.

As a result, Amanda claimed back a staggering £100,000, which paid not only the tax bill but her mortgage as well.

Many of us haven’t got a clue about the exact sum we’re paying on insurance each year or the details of what we are in fact covered for. Not only are we shocked to find out that we are actually covered for more than we in fact realise, but that we’re doubling up by paying for various types of insurance that actually cover the same thing.

You’ll find that it’s areas such as loss of income, legal expenses, theft and death which most often people wind up paying out twice for when there is no need – mainly because they haven’t carefully read the insurance policy or because it has been the case that some insurance has been put on to some policies as an added bonus.

In a recently released Financial Services Authority survey, it shows that car insurance policies also come with added extras like breakdown recovery and legal expense cover. Paying out for these added extras when you do not want them is an easy mistake to make, according to the survey, because you actually have to physically ring the insurance firm and tell the staff that you do not want them before these ‘options’ are removed from your agreement.

Take permanent medical insurance (PMI) for example. Many aspects of this policy cover you for the same things that Payment Protection Insurance covers you for. But few people realise this and so they take out both.

The FInancial Ombudsman is very aware about the situation surrounding insurance duplication. They say that “people often do not realise until they make a claim that they have been paying for a policy that provides very little, if any, benefit”.

Take a look at your Critical Illness Insurance, as this is one area in which you sometimes get cover from your employer. Find out whether you have this type of insurance with your work before you make the purchase on this policy. Do the same with life insurance, because if you have a company pension scheme, life insurance is something you do not actually need. The reason? Because most company pension schemes have a death-in-service benefit. What this means that should you die while you are still an employee at that particular firm, then large, a tax free payment will be made – a payment which could add up to four times your annual salary at the time of your death, or more.

Other types of insurance you might not need includes mobile phone insurance. The consumer watchdogs will tell you this is something that’s often a waste of money because you have to pay the first £50 of the claim and if you already have home insurance, that insurance might provide you with some protection.

Others include car insurance extras such as legal expense cover. If you are a member of a trade union, then you could have some legal cover anyway.

Some companies trying to get people to take out ID theft insurance. A waste of money? The consumer watchdogs think so because if it is the case your ID gets stolen you are only responsible for the first £50 and most of the time the banks are prepared to waive charges.

Annual travel insurance

Annual Travel Insurance covers you for every holiday you take for twelve consecutive months. Annual Travel Insurance is generally meant for people who take more than one holiday every year. If you are taking a three-week holiday in some destination during summer and another holiday later in the year, then Annual Travel Insurance could help you save money. Because, if you hold an Annual Travel Insurance, there is no need to spend money for purchasing insurance every time you travel.

Annual Travel Insurance is an insurance policy or contract under which the insurance company agrees to pay for loss or damage or injury encountered by you during your trip. This includes trip cancellation, evacuation, medical emergency, baggage loss etc. If you hold proper Annual Travel Insurance then your worries or anticipations regarding your safety during the trip will be no more.

Annual Travel Insurance policies cover you for one year with an unlimited number of trips. That means, you can have unlimited number of holidays or business trips as you wish and have a guarantee that for all the trips for the next twelve months you will always be covered. During this one year, you can travel as many trips you like, but no trips should exceed the maximum number of days you have selected in your policy. Annual Travel Insurance policy will cover you for a period of one year from the start date you choose. So, one has to be careful in mentioning the start date in the policy. Annual Travel Insurance gives you superior cover levels and reduced excess payments that you need to pay to make your travel insurance claim. Burglary, hijack, hospital expenses, flight delay, travel delay, cancellation, evacuation – everything is covered in a better way if you hold an Annual Travel Insurance. Annual Travel Insurance gives you complete peace of mind all throughout the year and also gives cover to your delayed baggage, loss of personal items or cash, or passport documents.

Obtaining an Annual Travel Insurance policy is very simple. First, select the destinations you wish to be covered for the next consecutive twelve months, and then select the date you want your Annual Travel Insurance to start. After that you have to clear what kind of party you need to cover, that is whether you go for single person, family, couple, group of people etc. and their age groups.

About Author:

Adrian Rogers – For related articles and other resources, visit : http://www.buy-travel-insurance.com/

Announcing the Best Guarantee in a Long Term Care Policy

Are you 60 to 70 years old? If not you, maybe a family member? Then you’re about to discover something that could help prevent the total devastation of your personal estate.

Truth is, it’s likely the most important asset you could ever own. Here’s why.

For over 24 years, I have helped hundreds of individuals understand and implement money saving ideas. From birth to death I’ve witnessed families in every financial situation.

As my clients age (and me, too), I can tell you without hesitation the biggest fear of growing old is losing your ability to remain independent.

We might be living longer, this doesn’t mean we’re living any better.

Chronic disease is rampant… and it strikes with a vengeance when you least expect it.

How many people who have experienced a stroke knew it was going to happen to them?

How many anticipated that particular moment when they began to forget things?

The facts speak for themselves. Literally millions of Americans require long term care… either in nursing homes, day care centers, assisted living facilities or in their own homes.

And the cost of providing long term care is rising with no end in sight.

Think it won’t happen to you? Well, I’m sorry. Because this article doesn’t try to convince anyone about the likelihood of their needing care before they die.

It’s intended for those who understand and appreciate the importance of arming themselves with protection against the horrific expense of long term care.

In fact, this article is ideal for those who have already looked at traditional types of long term care policies and are trying to determine which type is best for them.

One of the biggest objections to buying a long term care policy is that if the benefit is never needed the premiums paid for the policy will be wasted.

This is somewhat like buying automobile insurance. You have to pay the premium in order to get your car repaired. But what if you never have an accident. Is that considered losing your premium?

Funny isn’t it? People hardly question paying for car insurance, but they frequently resist doing so for a long term care policy.

So… what if you could always get your premium back – guaranteed – if you never require any long term care?

And, what if you die before receiving long term care? Wouldn’t it be great if your loved ones could recover 100% of your premium expense?

How about this? You actually use up all of your long term care benefit. And then you die. What if your family could still get back 10 percent of your premium.

Now if you know anything about long term care policies you’re probably wondering why you haven’t heard of this type before.

One reason is because it is non-traditional and not included in the mainstream marketing of long term care policies.

Another is because it takes a large sum of money to buy the policy. $50,000 is typical and it’s a one-time single premium, which means you will never get stuck with a premium increase.

It is not uncommon for people between 60 and 70 to have large sums of money stashed away in bank CDs earning low interest. Kind of an emergency fund.

Transferring a portion of this fund into the policy makes sense because the money continues to earn interest. Besides, it usually pays more than the bank… plus, the policy interest is tax deferred.

It’s also common for people this age to have old life insurance policies with significant cash value.

Many times it’s possible to transfer the cash into the long term care policy and still retain a meaningful death benefit.

And the future long term care benefit could easily be worth over one million dollars.

This policy has a 90 day waiting period before benefits are paid. The length of the benefit can be as short as 4 years or as long as your lifetime. You can also get a 5% compound interest inflation protection rider to help keep up with the rising cost of care.

The name of this policy is MoneyGuard. It is a universal life insurance policy with a long term care rider. The issuing life insurance company is Lincoln Life, a subsidiary of Lincoln Financial Group.

By the way, this policy was initially developed by First Penn-Pacific Life many years ago. They have years of experience and an excellent reputation. Lincoln recently bought First Penn-Pacific.

Ask your life insurance agent to get you more information about this single premium policy. For the right situation it is absolutely the best guarantee in a long term care policy.

An Introduction to RV Insurance

Insurance coverage for recreational vehicles (RVs) can be a complicated issue. RVs combine many aspects of regular traveling vehicles with aspects of a home. There are several issues that need to be considered when purchasing RV insurance. First, all conventional car insurance issues must be covered. Second, it is a good idea to insure items inside the RV as well. Other issues arise for people who live predominantly in their RV and do not have a permanent residence anywhere else.

The definition of an RV is somewhat loose. An RV is traditionally viewed as a motor home, but many travel trailers, fifth wheels, and tour buses are considered RVs as well.

Since RVs are motor vehicles, they must be covered for conventional car insurance issues such as liability, collision, and uninsured or underinsured motorists. It is a legal requirement to have liability insurance, which covers all damages and bodily harm that is caused by the insured RV motorist. This protects people who the RV owner may collide with, and guarantees that they will receive compensation. Collision insurance covers any damage done to the RV when a collision occurs. This includes situations in which the RV collides with an object or an object collides with the RV. It is a good idea for RV owners to purchase uninsured or underinsured motorist coverage as well. This type of coverage protects the RV owner from having to pay for any damages caused by another vehicle driven by someone who does not have enough insurance to cover the damages.

RVs usually include appliances; it is a good idea, though it is not legally required, to insure these as well. The main difference between RV insurance and standard car insurance is that RV insurance policies can cover appliances and personal items in the RV. Plumbing, electrical problems, and other issues can be covered by RV insurance policies. Other items in the RV — like TVs, stereos, or furniture — can also be insured. This is similar to homeowner’s or renter’s insurance. Usually, people must ask for coverage of internal items because the law does not require it.

People who live in their RV full time and do not have a permanent residence have additional options. Many insurance companies offer full time coverage specifically designed for people who live in their RV. These types of policies often provide total vehicle and home insurance for the RV.

It is important for RV owners to purchase appropriate coverage for their vehicle. Many RV owners foolishly purchase the bare minimum of coverage, and then have to pay out of pocket for costly repairs on appliances and other items inside the RV.

An introduction to Auto Insurances

Auto insurance is mandatory in most states. The law mandates to have auto insurance on any vehicle you drive. And nowadays getting auto insurance is not a big deal at all. There are numerous insurance companies available today offering auto insurance policy and each insurance provider offers their own custom made schemes with a cover to match today’s industry needs. Hence the real game is to find out the best suitable one which suits you the best.

One of the basic things to take into consideration before getting any auto insurance policy is the type of coverage you need. Which ever policy you choose you have to pay a certain amount of money depending on the type of coverage you choose for your vehicle. Let us look in details what are the main types of auto insurance policies available in the market.

One of the most common types of auto insurance is the liability insurance. Liability insurance is considered as the least coverage an individual can take. Liability insurance is regarded as an important one it will cover up to its stated amount if any accident has occurred causing harm to some other’s body or property, and the person operating the insured vehicle was found to be liable for the accident. The auto insurance company will pay the stated amount to the injured according to your insurance policy. But remember if you are injured or hurt in the accident, you will not get any coverage and will have to spend all the money for medical expenses as well as any damage happened to your vehicle yourself. In most cases after any claim, auto insurance companies usually increase your monthly payments if you are found liable for the accident.

The second popular type of auto insurance is the Full Insurance. If you are selecting the full insurance scheme your monthly payments will be based on your vehicle make and model. If you are using a highly expensive car then you monthly payments will be high for a standard car the premium amount will be less. Full insurance will cover both the parties involved in an accident. Full insurance would covers up to either the actual cost of repairs or the stated amount, less the stated deductible, when the insured vehicle is damaged in any accident.

Before sticking into any auto insurance it is better from you part to talk with various auto insurance providers to know the difference scheme provided by them. Ask them if they are able to send you insurance quotes on the policies and the types of coverage they provide. Study the auto insurance policies and compare their rates and advantages carefully before selecting a particular offer. And try to select an ideal auto insurance policy which suits you the best.

Nowadays there are numerous websites which offer instant auto insurance quote comparison services. This helps the customers to compare the same service provided by different auto insurance providers before selecting any particular insurance provider.

Cheap Insurance Van

The word shopping brings a feeling of immediate excitement to most people. But if you combine the word shopping with car insurance, as in “shopping for car insurance”, it produces the opposite effect. The thought of shopping for auto insurance makes the eyes glaze over and the heart rate drop to the pace of a slumbering couch potato.

Couch potato? Indeed. Doug Heller, a consumer advocate at the Foundation for Consumer Rights and a recognized insurance issues specialist, told us that too often “people purchase insurance by calling the number on the screen.”

But wait, this is important stuff! You want to be adequately covered if you get in an accident. And you certainly don’t want to pay more for car insurance than you should. Maybe waiting for a solution to be beamed into your living room is not the best idea.

How can you stay awake while navigating through this murky subject? Just remember: There is money to be saved. How much? Hundreds, even thousands, per year. For example, one of the authors typed all of his insurance information into a comparative insurance service. The quotes (for very basic coverage on two old cars) ranged from $1,006 to $1,807 — a difference of $801 a year. If you’re currently dumping thousands into your insurance company’s coffers because of a couple of tickets, an accident or a questionable credit rating, shopping your policy against others may be well worth the effort.

Look at it this way — you can convert the money you save into the purchase of something you’ve lusted after for a long time. Hold that goal in your mind. Now, let’s begin.

Before you can shop for something, you have to decide what you need. The first step in finding the right auto insurance for you is to figure out the amount of coverage you need. This varies from country to country. So take a moment to find out what coverage is required where you live. Make a list of the different types of coverage and then return for the next step.

Now that you know what is required, you can decide what — if anything — you need in addition to that. Some people are quite cautious. They base their lives on worst-case scenarios. Insurance companies love these people. That’s because insurance companies know what your chances are of being killed or maimed, and how likely it is for your car to be damaged or stolen. The information the insurance company has collected over previous decades is crunched into “actuarial tables” that give insurance adjustors a quick look at the probability of just about any occurrence.

It is important to keep in mind that the basis of insurance is a difference of opinion between you (the insured) and them (the insurance company). You believe you will, at some point, probably get in an auto accident. The car insurance company believes you probably won’t. And the insurance company is willing to take your money to prove you wrong.

So how much auto insurance should you buy beyond your state’s minimums?

“Look at your personal financial situation,” Dennis Howard, director of the Insurance Consumer Advocate Network and former insurance adjuster. “If you have assets to protect — and that is all insurance is doing — get enough liability coverage.”

Another issue Howard mentioned is that the limits of any uninsured and/or underinsured motorist coverage that you purchase cannot exceed the limits of your liability coverage. Such coverage, he said, can be valuable, as it will cover lost income if you’re out of work for several months after being injured in a major accident.

Your driving habits may also be a consideration. If your past is filled with crumpled fenders, if you have a lead foot or a long commute on a treacherous winding road, then you should get more comprehensive coverage.

“Consumers should also be aware that they don’t have to buy the package [of collision and comprehensive coverage],” Howard said. “If your vehicle is older, if you have a good driving record and if there is a low likelihood that it would be totaled in an accident, but a high likelihood of it being stolen, you could buy comprehensive but not collision.” Seems like good advice for all of the 1989 Toyota Camry owners reading this article — this has been the most stolen car in the nation for several years (it’s often stolen for parts). But we would expect that most of them on the road have well over 100,000 miles.

At this time, a rather sobering point needs to be interjected. Just having car insurance doesn’t protect you from absolutely anything bad that might happen. First, the insurance company needs to back up the claims that they make in the fine details of the contract. TV ads show folksy adjustors at the scenes of natural disasters passing out claims checks like coupons for cocktail wieners at a supermarket. But, in case you haven’t noticed, real life is a bit different from TV ads. If you have an accident, your car insurance company will take a close look at your claim before mailing you a check. And the check may be written for an amount much smaller than you had hoped. For this reason, you should be intimately familiar with the terms of your policy and call the company with any questions you might have.

Now that you have made several practical and philosophical decisions, it’s time to start shopping. Begin by setting aside about an hour for this task. Bring all your records — your current insurance policy, your driver license number and your vehicle registration. Drink plenty of coffee. Have a phone at your elbow. And, of course, power up your computer.

Begin with the online services. On many sites you can type in your information and get a list of comparative quotes. The form takes about 15 minutes to complete. If this bores you, just remind yourself that you are saving money and you can use that money to buy something nice for yourself. If the entire shopping process takes you two hours to complete, and you save $800, you’re effectively earning $400 an hour. While you’re researching companies, make notes in a separate computer file or on a piece of paper divided into categories. This will keep you from duplicating your efforts.