My Personal Finance Blog

Budget web hosting is generally defined as any hosting service that is below $10 per month. Most companies in the budget web hosting category only offer one year plans. Most hosting companies however, will quote you the monthly fee you would have to pay. Keep that in mind when you are comparing one company with another. The other thing to look out for is the setup fee to get up and running.

What’s your first impression of the company?

The first place to start evaluating web hosting companies is their front page. Does their website look professional? Is it easy to find all of the information you need? Take a look at their contact information. Do they list a physical address, an email address and a phone number to contact them? If they don’t provide any contact details, that has to throw up a red flag. If you run into problems setting up your website and you have no contact information, how are you going to get service from that company?

How about a toll free support number?

Does the web hosting company provide a toll free number for you to contact them? If they are based in Atlanta, GA and you are in Seattle, WA, you don’t want to be paying long distance while you are trying to solve problems over the phone. A toll free number also speaks to their willingness to deal openly and honestly with their customers.

What is the uptime guarantee?

Uptime guarantee refers to the amount of time the server is live and serving your web pages. An uptime guarantee of 99% means that the host guarantees that their servers will be up and operational 99% of the time. Over the course of one year, 99% uptime would represent a downtime (the one percent) of around 87 hours in a year or an average of 7 hours per month. An uptime of 99.9% would involve only 8 hours of downtime for the entire year.

What kind of after sale support can you expect?

While there are many factors to consider, make sure the company provides after sale support. What kind of resources do they make available for you? Find out if the budget web hosting company offers free scripts. Do they have any marketing tools they can make available to you? What kind of support for setting up your account can you expect from the budget web hosting company? All of these factors must be taken into consideration. Just because a company offers a budget web hosting service, doesn’t mean you necessarily have to compromise on features, quality or service. All three will only be found, however, if you make sure to do your homework to find a budget web hosting company that is a good fit for you.

Just in case you do claim, the policy includes every possible way of avoiding payment on the claim. So all the headlines in the quotes and on the front page of the policy sell you the idea of coverage. All the small print later in the policy limits and excludes the insurer’s liability to pay. It should all be so straightforward. The policy is a simple contract between you and the insurer. You pay a premium. If any of the following things happen to you, the insurer pays for your treatment. You look down the list of injuries, diseases and disorders. Ah, if only life could be so simple.

The first problem is who you want to treat you. Some people are happy to have anyone with MD after their name prod them, nod wisely and write out a prescription. Others will only accept someone with experience in the particular problem. The difference between the two can be thousands of dollars. The doctor in general practice will charge only a small fee for a quick consult. If you go to the nearest specialist and you are put through a battery of tests to confirm the diagnosis, the total bill for the same prescription could be relatively astronomical. Then we come to the question of the treatments. The quick solution is usually a drug but taking, say, a painkiller when what you actually need is surgery to relieve the physical cause of the pain. . . Well, if you want a cure and avoid dependence on the painkillers, your insurer must be prepared to pay a lot more money.

The problem with medicine is the uncertainty. Science has only progressed so far, identifying many possible diseases and disorders, but never being totally sure what the best treatment is. One of the current hit TV medical dramas is “House” where the problems of diagnosis are presented as entertainment. What the program fails to tell you is how much the hospital would bill Gregory House’s patients. All it does is show you the alarming number of very expensive tests you could be asked to pay for without any guarantee they will provide the definite answer. So, when you get health insurance quotes, try to get a feel for three key areas: what diseases and disorders are covered, who is allowed to treat you, and what are the limits on the treatments? Yes, there will be jargon, but never accept health insurance quotes at face value. Always try to get answers to these three simple questions. Most plans place real limits of your freedom of choice. In fact, the lower the premium, the less choice you will be allowed. Only the top-of-the-range plans leave you with a reasonable amount of control over what happens to you and your family. This leaves us with an irony. The rich who have least need for health insurance are actually able to buy the best terms. The poor cannot pay and are not covered. The rest scrape the barrel to get what treatment they can.

In some strange way we all want to be able to remember the good times that we have had. Most of these come in the form of celebrations whereby you are able to enjoy being with your family and friends. The mass produced gifts make it hard to find personalized gifts as you are guaranteed that whatever you purchase on the high street will be be made for the masses.

The problem is people want to have personalized gifts that  reflect the giver. It is after all these little joys that bring out the pleasure in life. Inspiration for personalized gifts is not all that hard to find as you will be able to get many types of gift ideas.

If you are into producing a time capsule with your personalized gifts then looking at www.inthepaper.co.uk has to offer will surely be with the time. Memoirs can be made with personalized newspapers as they are all about the person whom you wish to give the gift to.

You will not only be pleasing the subtle vanity that we all have but also the need to feel appreciated. Giving personalized gifts should be a joy and and rather easy. So all you will have to do is get a picture of the person so that they can appear on the front page. The excitement of creating will be doubled by the pleasure that you will see in the face of the receiver. In the end you will know that you have done well.