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Have you stayed with your home insurer for up to 3 years? Then ask for a loyalty discount. Most carriers will give discounts once you maintain your policy with them for three years and above. However, don't stay put with an insurance carrier just for this reason. Ensure you are enjoying a good price to value.

I can almost bet that you can enjoy rates that are a lot less than what you're paying presently. Do extensive shopping and you'll be in for a pleasant surprise. Obtain quotes from any reputable home insurer you know you've never got one from and as well always obtain and compare home insurance quotes from up to five quotes sites about twice yearly. Following are 6 more interesting ways to considerable savings...

1. Ensure that you fully understand the exclusions section of a home insurance policy. Note that you'll NOT get compensated for things that are excluded from your policy.

2. While getting lower premiums is interesting, it is only when the cheaper rates don't leave you compromised. Any home insurance policy that puts you at risk isn't truly worth the paper it is written on no matter how inexpensive it is. Before buying make sure you understand what is covered to avoid rude surprises.

3. Do ensure that every door to the exterior has dead-bolt locks. This makes it difficult for intruders or burglars to have their way. And since a home's risk of burglary is a major determinant of home insurance rates, you will spend far less.

4. Ensuring your home's landscaping is done properly will lower your home insurance premiums. There will not be potholes that could cause injuries and that will lower your liability claims. So if you want to reduce your premiums make sure you've done your landscaping well. If this was not done properly when you applied, don't forget to tell your agent once you are ready to have it redone.

5. You will spend less if you take measures to reinforce your roof. This applies more to you if you reside in the East. If you want advice on how to reinforce your roof and get discounts for doing so, ask your agent.

6. You can get savings of hundreds of dollars on your home insurance policy by getting insurance quotes from quote sites. The best way is to visit a minimum of five sites and ensuring that you provide the same (correct) information about yourself. I advise that you use at least five quotes sites because it will make it less likely that you'll miss out offers not given by the other sites. This provides you a broader basis for doing more extensive comparisons thereby increasing your chances of getting more for less.

Here are recommended pages for home insurance quotes...

Best Home Insurance Quotes With Ease

Low Cost Home Insurance Quotes

Chimezirim Odimba writes on insurance.

First of all, some people are worried that they will not be able to use Linux hosting because they run Windows on their PCs. However, what operating system you run on your own PC is irrelevant to which web hosting environment you can use, because the latter is run remotely on a web server, where your website files will be uploaded.

Linux and Microsoft Windows are two different operating systems. Windows is a well-known household name and does not require much introduction. Linux is a new version of the Unix operating system. Both these operating systems make excellent environments for web hosting. However, there are some differences between them.

To help you decide whether Linux or Windows hosting is better for you, we look at the following elements:

Cost

Linux is known as an "open source" operating system. i.e. there is no licensing fees to pay. Therefore, compared to Windows, Linux is very cheap. Starting with Windows XP, Microsoft has begun enforcing software activation. This means that a single copy of Windows can only be installed on one computer. With Linux, once you own a copy, you are free to install it as many times as you wish on any number of computers.

Reliability

Linux is reputed to be very stable and reliable. This means that a Linux server is much less likely to crash than a Windows server. Subsequently, a Linux server will mean more 'up time' for your website.

Experience

Linux has many more years of experience than Windows in hosting.

Speed

There is no real difference in speed between Linux and Windows, but Linux is slightly faster in processing basic web pages.

Functionality

Windows support ASP (Active Server Pages), a Microsoft programming/scripting language, which allows you to build dynamically database-driven web pages by connecting to a Microsoft database such as SQL Server or Access. Linux does not support ASP nor Microsoft databases, but uses MySQL database instead.

If you use Microsoft Frontpage to create your website, it doesn't mean that you have to choose Windows hosting. All Linux accounts come free with Frontpage extensions, which allow you to upload your Frontpage website to your web space on a Linux server.

Scripts

There are many CGI programs available on the Internet. The majority of these are Perl scripts and have been developed on Linux / Unix web servers. So they tend to install more smoothly and operate more reliably on a Linux server. Moreover, many Perl scripts are downloadable from the Internet free of charge.

To summarise, most users find that Linux hosting is easier to use, more reliable, provides free, open source software and is much cheaper than Windows hosting. So unless you particularly need to use Windows specific features such as ASP and an Access database, it is probably a better choice to choose Linux over Windows. For more information on Linux hosting, visit www.frontierpowerhosting.com

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What's Reciprocal Link

A reciprocal link is a mutual link between two objects, commonly between two websites to ensure mutual traffic. Since the inbound link is a very important factors when the search engines decide the ranking of a web site in the search results, a lot of webmasters use reciprocal links to build their inbound links. So, won't be surprised when seeing full of links in a "partners" or "resources" page in a web site.

There is a very special type of reciprocal link called as "3-way-linking" or "multi-way-linking", which works as "Site A" links to "Site B", "Site B" link to "Site C" and "Site C" links to "Site A".

How to Get Reciprocal Links

To get a reciprocal links is very simple and below are 2 very common methods

Is Reciprocal Link Still Effective

2 Sites reciprocal linking is no longer effective and can actually accrue penalties toward your website(s.) Google and other Search Engines can very easily find these pages and discount them. But, that doesn't mean all reciprocal linking is ineffective!

Google states on their "link schemes" page that "Excessive reciprocal links or excessive link exchanging ("Link to me and I'll link to you.")" is in violation of their Webmaster guidelines. Notice the word "excessive" being used twice in there.

This means that selective link exchanges between quality sites is not against their guidelines and and it still works! But if you have many web sites, please do avoid the methods like "Site A" point to "Site B", "Site C", "Site D", and "Site B" point to "Site A", "Site C", "Site D", etc. This will be very easily captured by Google and treated as "Excessive reciprocal links".

What's the Most Effective Ways to Get High Quality Reciprocal Links

There are 2 ways you can use:

Successful Factors for Reciprocal Links

So, how to make sure a successful reciprocal links campaigns when promoting a web site, below are some factors you should pay attention to:

Want to know more about web hosting, please refer to Webmaster Tutorials - Web Hosting Guide, Web Promotion, Domain Name, and Web Design from Top 10 Web Hosting - Reliable Affordable Web Hosting Review and Guide

Ivy.Thai is the co-founder of WebHostingClue.com, a free web hosting directory with only reliable web hosting companies and offering the visitors an easy way to find the right hosting plan for their needs.

Feel free to contact Ivy.Thai at ivy.thai@webhostingclue.com in case you have any questions or comments regarding this article.