Getting Cheap Car Insurance Rates After Purchasing Your Car

After paying the down payment for your new car, you must be really excited drive your new car around the block. However, here’s some bad new for you – you need to purchase car insurance. The fact is that many states require car owners have their car insured before they hit the roads.Also, a lot of dealerships will not let you to take out the car and give it a drive until you purchase car assurance. But, now that you just forked out a huge sum of money to purchase your car, how in the world are you going to buy insurance? In this article, we will be looking at how you can find cheap car insurance rates.Being a good driver is a real advantage if you are looking for cheap car insurance rates. Most insurance providers have no problem issuing cheap policies when it comes to good drivers. This is due to the fact that the risk on their part is lower. When you apply for car assurance, they will look up your records to see if you have been involved in any road accidents, traffic violations and also your driving history.If you have any accidents or violations on your traffic record, the cost for your insurance might even climb up to twenty percent. Therefore, to qualify for cheap car assurance rates the next time you buy a new car, it is best for you to be a good driver.You should also decide carefully on the type of insurance coverage that you wish to purchase. You can choose to purchase a car insurance to actually cover you in the case of an accident. This is also important to make your car legal to drive on the road. You should also know that the more cover that you are looking for, the higher the cost of monthly payments that you will have to fork out. So, depending on your financial situation and the risk that you are willing to take, you can work out the insurance payments that you will incur. To get cheap rates, you should be willing to take the risk of less coverage.Above all, you should make comparisons between insurance companies and the prices that they offer. In the cyber age that we live in today, it is not that hard to look for cheap rates. You can simply log on to the internet and use the various search engines to find cheap car insurance rates.

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A Wide Variety Of Automotive Paints Keep Your Ride Looking Good

Tell me something? When you were out looking for your first car, what was the one factor that totally dominated your purchase decision? Of course the make of the car did matter. Not to mention price. But it would probably be true if I said that the one decision that gained the maximum importance in swinging your decision was probably the color of the automotive paints the car boasted.Not many of us realize it, but automotive paints have an undeniable role to play in helping people choose their wheels of choice. How many times have we heard people speak in awe about that red Ferrari or the black Cadillac? A Mercedes Benz is always silver or gold and a number of other automobiles have their own pick of automotive paints. Admittedly, we are all suckers for quality automotive paints. And it is a small wonder that these automotive paints influence the kind of car we buy.In the days gone by, automotive paints had a very limited scope. Due to the cost of production of automobiles, most models that rolled out of the assembly lines used either black or white automotive paints. But once automobiles had entrenched themselves in the psyche of the modern man, manufacturers began being pestered by users for a wider range of automotive paints. In America, Ford could safely be said to be the first manufacturer who offered a range of automotive paints. Pretty soon, automobiles began rolling out of assembly lines in all sorts of colors. Automotive paints were here to stay.Today, things have gotten a tad more complicated. Due to the wide variety of automotive paints available in the market, people have begun experimenting with the regular colors of their automobiles. There are a number of two tone automotive paints available in the market and some of the flashier consumers have almost normalized multiple colors. But automotive paints themselves have not remained staid. Today’s automotive paints come in more than just colors. They come with a wide variety of features that earlier generations could only dream of. There are scratch proof automotive paints, rust-free ones and even all weather automotive paints. But one thing is for certain. No matter how high tech these paints get, they still hold a place very close to our hears. And by doing so, they have become the determinants of how and why we loosen our purse strings to buy that blue beemer or green bug!

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The Psychology of a Point of Reference

AbstractIn this article I would like to explore the idea of how nationalism and internalized points of view arise from a position taken by people when subjectively analyzing a confrontational stand point. How people with only one point of reference cannot see the wider implications of their thought processes and actions. Nationalism is the evil that causes wars, political intrigue and racism at its most harmful. It is this cognitive fixation on topic, subject matter and perspective that allows racism to fester into discrimination and violence against the person with a more open free mind.IntroductionTravel they say travel broadens the mind. However much of modern travel is packaged, short and controlled. In Victorian times to be privileged in society meant taking the European tours, often taking several months in order to mature the mind and a civilized perspective. You could not be considered cultured unless you had experienced other countries, cultures and people. Some later would do the Far East journeys seeing the Orient in the raw. Today people arrive on a plane, go to a hotel, go to a beach, read the latest novel and finally get back on the plane home and all in a week. Of course some go on adventure holidays, packaged to allow in as short a time as possible the river trip, the mountain walk, the animal world and finally a certificate saying you went there and did that. Very few modern travelers really have time to know where they are, what the people are really like or the non-packaged culture of the country. I remember many years ago in Spain’s islands watching shows of traditional Spanish dancing and music. Seeing the quaint white topped villas, happy smiling waiters and travel guides with not a real person in sight? What I saw was tourist Spain not the people, not the culture of everyday, not the psychology of their mind-set, but the banal served up culture of materialism and souvenirs. The point I am making is we are actually less travelled culturally than in the past. Even the expatriate who works overseas often is excluded from the society in which he works. They have drivers, villas in foreign areas, special shopping areas away from the poorer districts and a life style out of step with the locals. Many expatriates from the first world see their third world colleagues as inferior in everyway. They put on the face of tolerance but in private can be vitriolic about their host country.So how does a lack of travel, exposure to foreign cultures lead to nationalistic ideological thinking? What is a point of reference for everyday people? Using travel as our starting point we can see how those who have never ventured outside their own boarders can have cognitive fixation and a reliance on propaganda in order to inform their opinions.Definition – Point of Reference.When two people converse they are communicating from a social normalized perspective, only if they have grown up and experienced the same culture. Much of the conversation is implied, meaning they do not have to explain themselves fully about their point of view. The two nationals have a shared perspective about life and survival in their country, county, province, city and town. When a topic comes to conversation much is already presumed and so does not need to be aired. It is only the point of conflict that is discussed as to how one or the other perceives it. In psychology this is sometimes referred to as a mental set, which includes shared, parenting styles, education, work experience, social norms, traditions and the changing culture over their years of living. Each national shares this experience to differing degrees. Another important part of a person’s mental set is current affairs as presented in the media such as news, entertainment, sport, economics and politics, the main ingredients of almost every newspaper, internet and television content. The exposure to this propaganda only differs in the tastes of the selective audience that is attracted to the information presented. The reason we might have different opinions is only the degree in which we have been exposed to information that is readily available. We then take this information and assimilate it by incorporating the new knowledge to what we already know, or accommodation, when we have to adjust what we used to know to a new situation and perspective. (1. Piagiet 1952). It is by this process that new perspectives are created in which we have a point of reference when discussing new topics or changes to the social norms of the day.How do we use a point of reference in everyday communications? As above in most cases because people have a shared mental set in which to operate cognitively, with a common perspective. So as discussed much of the conversation does not have to be explained where a common background is experienced. If the point of reference is similar then arguments are not encountered but minor disagreements as to perspective. For example two Chinese at the same social level will often communicate agreement about social topics with only slight variations. When discussing the traditional view of marriage two girls of 25 with similar backgrounds will probably share almost identical points of view. However if one was young and the other older and divorced their perspective may differ. It is here that a point of reference comes into play. The older divorced women will see her earlier self in the young girl. She will know the naivety of her view but totally accept it and understand, even though now her perspective of marriage has changed through accommodation of her own life experience that the younger girl has not known. Therefore her point of reference is now different for the other girl. She will approach a second marriage from a differing perspective. Although she may blame the failure of the first marriage on her ex-husband and not her own views. She could remarry for the same reasons as she did as a young girl in which case her point of reference did not actually change.Where points of reference differ mostly is in the area of travel. As stated in the introduction, not tourism but exposure over time to another culture and history. For example a person who has never left China, their hometown, their family will be closeted in their mental set and exposure to propaganda. If the person was sent to Taiwan for three months working experience they would encounter many differences from the mainland. They may notice a more polite, cultured people? The may notice a cleaner more environmentally conscious public awareness? Although historically similar in mental set there are important diversions such as democracy over dictatorship. On returning to the mainland the person becomes more cognitively aware of differences. They re-experience their own city, town and workplace from a new point of reference. For now they have known something different. They may start to feel out of step with those around them that have not experienced this exposure. Their point of reference allows them to compare and contract, which in the past their mental set would not have been capable of doing. Now in conversation they are equipped with an experience that gives them insight into traditional held views that no longer seem so iron clad in there surety.Another example would be the returning Chinese from a foreign education known as the returning turtles. These returnees have spent over three years or more within another culture. On their return they feel superior to those around them that have not travelled but disadvantaged in that they are not part of the system of relationships that exist in Chinese privileged society. Their point of reference can enlighten but also handicap them from progress in that they are constantly in conflict with their western education and traditional working practices in China. They feel that the people who have a narrow point of reference are too traditional and fixated in nationalism. However in order to succeed have to keep their newly found perspective under control. Many of their colleagues and employers have the social norms engraved into their mental set and so have no point of reference to share with the returning turtle.Conflict & NationalismConflict arises when defense mechanisms such as patriotism are challenged and so gives rise to anti-foreign policy and nationalistic stances. This can become dangerous when the masses perceive the enemy within as being non-compliant with current views. An innocent remark from a foreigner can explode into a crisis. For example the foreigner experiences a taxi driver that cannot find a local landmark. He becomes angry and stops the driver to change taxis only to find the same problem with the second driver. He concludes that taxi drivers are in the main stupid. He communicates his frustration to his Chinese friend. His point of reference being his experience of taxi drivers in other Chinese cities and other countries. From this perspective his point of reference being wide and valid. His Chinese friend never having experienced any other taxis other than those in this city takes umbrage at the foreigners comment. He points out that if taxi drivers are stupid then he must be stupid too and therefore all Chinese are stupid. He may go on to say, that in fact only foreigners are smart and capable of driving taxis properly. An argument over the merits of the situation can be taken from a passing annoyance to a major conflict within a short time.The Chinese government relies on nationalism to control the people often using propaganda to support anti-foreign policy. In the 1930′s Nazi Germany did exactly the same thing, they encouraged a perspective of isolation, that all other countries are inferior and that they are the master race. They found a common enemy and demonized him – The Jew. Adolf Hitler the leader of the socialist party managed to give his people is point of reference so narrow that nationalism was able to murder millions of people. Those that had wider points of reference were quickly arrested, killed or isolated from the masses. Those that had travelled widely and understood other cultures saw the dangers of this nationalistic fever but became powerless against a mass mental set. Most concentration camp guards had in fact never left Germany in their lives and knew no other cultures. In China Maoism created a cultural revolution from teenagers who with only one point of reference (Mao) managed to murder their own people by the thousands in the name of a political ideology based on nationalistic points of reference. Almost all of the Red Guard were localized inexperienced youth. Later Mao asked for a 1000 flowers to bloom and give new direction to the people. However as it is well known many of those flowers were denounced and sent for re-education in the countryside for having a non-nationalistic stance. The widely travelled educated Chinese were isolated and tortured for not towing the Mao line.SummeryA point of reference is the ability to see issues in a wider perspective through exposure to travel, other cultures and time. It can be an informed advantage or a dangerous opinion that does not apply to the mental set of the masses. In this paper I have given some examples to demonstrate the point but I am sure the reader can now use their own experiences to add to those I have shown here.A point of reference can also expose nationalistic tendencies in the fixed cognition of localized people. That it is dangerous to allow a population to wallow in patriotism that leads to racist views of foreign nationals in their midst. To truly understand another culture you must live as the natives do – spend your time with all classes of that society and finally be open to listening to traditional thought and fixedness without creating conflicting arguments.It is no doubt obvious that the masses will never have the opportunity to widen their point of reference and so we look to governments to inform and educate people in a global perspective. However wherever corruption and controlling forces operate then propaganda will always inform the masses.References:1. Piaget 1952 – Santrock J W, Educational Psychology 2nd Ed. McGraw Hill Publishing Pg 39.

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