Pope Benedict XVI on Saturday recalled growing up during the Nazi era in his native Germany and stressed the "fundamental importance of freedom." But he also alerted young people at a rally in New York to "new injustices," including environmental problems.

Quality insurance does not have to be expensive. There are some precautions you can take at home and some things you can do to ensure that you get lower rates on your home insurance policy. Here are a few of them:-

Houses with fire escape are a good bargaining chip for getting lower rates. Ensure that you have rope ladders for houses that have more than one floor. Also it is very important that your agent lets you know what their company consider as standard fire escape. This would help you to meet the standard and also assure your discount. Remember to let your agent know if you have fire escape in your home.

Avail yourself of the modern technology of plumbing, heating and electricity in your home. There are things in your home that may be quaint but are not practical in this day and age. They only help to increase your premium. For example the traditional fireplace may look quaint but is not considered Fire- safe. Why not switch to electric heating and save up to 15% in premium? Apart from helping shave off some percentage from your premium, modern technology makes your home safer and increases the market value.

Group home owners insurance is another way of getting lower rates. Check with your home owner's association to confirm whether they have obtained discount for group policy. Apart from this, go further to check with other insurance companies. You may find a company that is willing to give you a lower rate than the group home owner's policy.

Be sure that you know everything that your policy covers. Understand every clause in the terms of agreement; know what is excluded and what is covered. Do not rejoice that you have got a quote or offer for a lower rate until you are sure that it does not put you at risk in any way. You would not want a rude shock when you need your insurance to come through for you.

Another way of ensuring lower rates is to get as many quotes as possible from different insurance companies. Do not make a decision based on a few quotes. Widen your search as it gives you a better chance of getting what you really want at the best affordable price.

InsureMe Home Insurance Quotes

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Chisomeje Odimba writes for Quality-Insurance-4-Less.

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On the third anniversary of his election to the papacy, Pope Benedict XVI was celebrating Mass today at St. Patrick's Cathedral. The Mass is for priests, deacons and members of religious orders.

When asked the question, "What is Web 2.0?" perhaps you can offer more insight to the term other than "It's the word with 580 million listings in Google*". Any knowledge about the phrase may place you above the norm, as most internet users are still perplexed at its mention. The actual origin and definition of Web 2.0 is an issue that has received much debate, enough so to have its own Criticism section on its Wikipedia page. The term has been called everything from "overly complicated" to a "social phenomenon" to simply a "marketing buzzword". Amongst the hype and criticism, however, are some valid explanations that may help to reach the heart of what Web 2.0 truly means.

Defining Web 2.0
If you Google Web 2.0 you'll find the following definition, "Web 2.0 is a term often applied to a perceived ongoing transition of the World Wide Web from a collection of websites to a full-fledged computing platform serving web applications to end users. Ultimately Web 2.0 services are expected to replace desktop computing applications for many purposes."

This definition links to Wikipedia's Web 2.0 page, that further explains the term in more layman's terms as "a perceived second-generation of web-based communities and hosted services, such as social-networking sites (wikis and folksonomies) which aim to facilitate collaboration and sharing between users."

In regards to its origin, Wikipedia states that the term's popularity arose from the first O'Reilly Media Web 2.0 conference held in 2004. Oreilynet.com gives some insight into the brainstorming session that hatched the conference, and offers a more in-depth definition for Web 2.0 in their online article, "What Is Web 2.0: Design Patterns and Business Models for the Next Generation of Software". Tim O'Reilly, the founder of O'Reilly Media, refers to Web 2.0 as "business embracing the web as a platform and utilising its strengths", stating that "Eric Schmidt's abridged slogan, don't fight the Internet, encompasses the essence of Web 2.0- building applications and services around the unique features of the Internet, as opposed to building applications and expecting the Internet to suit as a platform."

If you happen to be an online store owner, perhaps you've already embraced your own definition of Web 2.0 with anything ranging from an online store Blog, to your business's MySpace page. In doing so, you are taking the word founder's advice in embracing, not fighting, the ever-changing internet and the way in which it's used today- and the different way it may be used tomorrow!

*As of August 30, 2007. In O'Reilly's Web 2.0 article written on September 30, 2005, he noted "more than 9.5 million citations in Google" for the term.

Stacie completed the Texas Creative program, receiving a degree in Advertising from the University of Texas at Austin and is now happily employed with Volusion, Inc. http://Volusion.com/.

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