Home Insulation Grants

Homeowners that live in the county of Hertfordshire can benefit by having their houses insulated to the current government recommended standards by means of a home insulation grant. Should you be looking to have a grant for cavity wall insulation in Hemel Hempstead, or even a grant for loft insulation in Hemel Hempstead, then Energy Grants Direct can help you.

Many homeowners might be entitled to completely Free Insulation, particularly those that happen to be aged over 70 and people who are receiving any benefits. Special priority is given to people with a disability or individuals with children aged under 5.

To get a grant is simple. You simply go to www.energygrantsdirect.co.uk/grants.html and complete your details. You’ll be contacted within a couple of days by a Home Assessor who will contact you to arrange a convenient time to survey your home. Your Home Assessor will advise you what insulation improvements your property would really benefit from and also the amount that the grant would cover.

Even if you are not eligible free insulation you can actually still be eligible for a grant of up to 80%. For example on a typical 4 bed detached home, the cost of insulating the wall cavities is £850 and you would simply need to contribute £149 towards the cost. The estimate savings on the energy bills would more than repay the installation costs within one year. After which you will continue to enjoy the long term saving on your energy bills.

Your Home Assessor will also arrange for your work to be carried out by an approved local insulation company in Bedfordshire.

Don’t overlook the grants that are offered in Bedford, Luton, Biggleswade, Sandy, Luton, Flitwick and other towns and villages in Bedfordshire.

Breaking weight loss rules that do not work for you

There are as several dieting plans as you will discover specialists. And with all those views available, you understand there has to become guidelines to follow.  Well, if you’re one of the 95% (or so they say) of dieters who fail, then maybe it’s time to break those weight loss rules.  Possibly it’s time to undo the bonds of dogma.

But 1st, let us be clear; I’m no weight-loss guru.  All I hope to do is provide some “commonsense” assistance and thoughts on what I have knowledgeable.  That is all.

And commonsense tells met that if you’ve been unsuccessful in shedding weight, then it really is time for you to sit down and do a deep dive into “why not.”  But even before that, if your hole you are in keeps acquiring deeper (not merely will not the fat come off, your fat cells are inviting extra pals for a sleepover); then let’s cease digging.  Initial rule of acquiring from a hole you dug your self into, is to cease digging.

And if the classic methods are not working for you personally, then the standard methods do not perform…for you personally.

If what the specialists inform you do aren’t having it performed, you could have nothing at all to complete drop by carrying out the opposite.

For example…

1.  Consume a large wide variety of foods, to include things like a rainbow of fruits and veggies.

What if consuming all that food is inadvertently placing you inside a caloric surplus?  Why do you must power oneself to consume a bit bit of everything, and in method, consume everything?  I like corn, carrots, leafy green lettuce, tomatos, garlic, red onions, and bell peppers.  I like bananas, apples, and strawberries.  Sometimes I like peaches and oranges.  That is it.

I try and eat a rainbow but additional frequently than not it meant eating more.  It meant eating some things I didn’t treatment for.  And that meant eating extra of what I did want.  Inside the end, it made a lot more sense for me to just stay with what I like – in smaller portions.

two.  Eat breakfast like a king, lunch like a prince, dinner like a commoner, as well as a vow of proverty before mattress.

An awesome rule that is unless of course you like eating a major lunch or dinner.  Because extra frequently that not, you may consume a significant lunch or dinner on leading with the large breakfast.  Do not fit yourself into a straitjacket program for those who know it really is not gonna function for you.  It is your life-style.

There’s a neighborhood guy right here that went from 360 plus lbs to just beneath 180lbs.  WOW.  It took him three years and he’s kept it off.  He had a paradigm that permitted him to reboot his entire outlook on daily life.  Excellent going.  Here’s the salient stage -  this guy liked to eat a massive lunch, and in Hawaii, every single lunch plate includes two large scoops of white rice.  He would consume a major breakfast together with the program to consume a small lunch and dinner.  There’s no like point being a tiny lunch here.

He couldn’t in no way manage his caloric intake for the reason that this rule was not for him.  He essential to interrupt it.

Lately, my breakfast continues to be 1 banana, four strawberries, 1 yogurt, and sufficient POG juice to generate a smoothie.  I munch on Costco’s granola snack blend about the approach to work.  That’s much more than adequate energy for me.  I’ve respectable dimension lunch and like a massive dinner.  I drink lots of h2o all through the day.

3.  What issues is the way you really feel and appear, not what the scale says.

I have always advised utilizing the mirror and also the clothes you want to fit into as your tutorial.  I frequently recommended not stepping in the scale.  Too a lot of dieters, it seems to me, become slave towards the scale and obsess over every pound misplaced or gained.  They action on a scale and freak out more than the pound they acquired over the last day.

Nonetheless, if you happen to be not stepping around the scale and your fat loss system is usually a wreck, then phase within the scale.  There is certainly this rule:  You examine what you expect and anticipate what you examine.  Measure your progress within the scale, but do not obsess.

You should weigh your self very first point in the morning and document it. And when you happen to be up a lb, it really is no biggie; you only cut back on a few calories that day.  But, please do not obsess more than it, relatively alter and consider the lengthy view – that’s, where are you vis a vis one week in the past.

four.  Have a cheat day or do not deny your self what you like.

Why?  I suppose the thought practice is the fact that the more you deny yourself a treat, the far more you crave it.  They say that absences makes the heart grow fonder – I suppose.  Or, maybe out of sight, from thoughts could be the superior mindset for getting rid of foods which can be not superior for you personally.

For your cheat day, you do great for 6 days and wreck it around the 7th – good.  You don’t will need a cheat day.  You’ll need to eat properly and smart for 7 days.  Since seriously, two actions ahead and 1 action again is horrible in the psyche.  You happen to be much better off moving one stage ahead methodically.  The ideal diet plan is consuming effectively and consuming intelligent every day.

Lastly, I actually don’t know any gurus that suggests this but someplace – somehow – folks have arrive to equate weight reduction with dieting with diet program sodas and drinks.  That’s just no great.  Way, way, way back again in my army days, we utilized tease a few of our close friends who would obtain a diet program coke and calzone – “cuz they wuz” cutting calories.  Yeah, that labored – not.

0 calorie drinks become an excuse to overeat.  Once more, that is not very good.  I say, “go water” (cup of grape juice has more than 40 grams of sugar -  no juices, go drinking water).

Do these utilize for you?  I don’t know.  But you understand.

If it is not functioning, blow it up…and start off over.

For more insights into <a href=”http://www.smartweightgain.com/3640/breaking-weight-rules-that-dont-work-for-you/”>breaking weight loss rules that don’t work for you</a>, visit the www.SmartWeightGain.com for free info/advice from the best minds (and bodies) in the business for getting healthier, stronger, and leaner. 
 

Should you take medicines for anxiety treatment?

Life is full of ups and downs and every person experiences some form of anxiety at least once (most probably much more) in his lifetime. Some people see it as just a one time experience and let it go, but there are others who just get gripped by the fearful thoughts that come up and therefore start having frequent anxiety attacks. And then finally, the individual starts looking for anxiety treatment. He visits doctors, psychiatrists and starts to take anxiety medication.

But that’s not the proper way to do it. Taking medicines to get rid of anxiety is just plain wrong, and there’s no way you are going to get rid of anxiety with medicines.

The perfect solution is to spot the main cause of anxiety

Once you’ve identified what causes the stress and anxiety, it becomes very easy to solve the actual issue.

If you are having difficulty identifying the main cause, then let me offer you a hint.

The most common causes of anxiety for most people are:

Problem 1: Family Issues – Do you have relationship issues with your parents? Or maybe you had a fight with your wife or brother or uncle? That could be the root cause of your anxiety

2. financial problems – Are you having difficulty paying your bills? Afraid you might lose your job and will end up being a bum on the streets?

3. issues at the workplace – Are you currently having problems with your co-workers? Hec, instead of co-workers, it could be a nasty boss.

So, which one of these is your issue?

And once you have identified the root cause, you can start to look for solutions to the root cause. And please dont bother taking all those medicines. It will just make your life more painful.

Skin Care Secrets Explained-Vibrant Skin Can Be Yours!

Following a good skin care routine does not mean just looking good. You can feel better both physically and mentally if your skin is healthy. This article will show you guidelines on how to start a great skin care regimen that will make you contented with your skin. Read on to find out how you can make yourself beautiful from the inside out.

Taking advantage of the best wrinkle cream is one of the first things to do when you develop wrinkles.

Get in touch with your dermatologist if you need help managing your skin care. There may be more serious skin conditions going on that are unknown to you if the problems don’t respond to proper cleaning or home treatments. Talk to an expert when nothing works on your skin problems.

SPF sunscreen is a great product to use in a skin care program. This provides your skin with additional protection from the sun. A light cotton garment provides a UPF of just 5. You can get better protection by using a laundry additive, such as Sunguard Laundry Aid that includes sun protection; with such a product you can boost the UPF of your clothes as high as 30.

Don’t use regular bar soap to clean your face. Bar soap is great for cleansing the rest of your body, but it is not so good for facial cleansing. However, on your face it can clog you pores resulting in irritation and outbreaks. Do not use a product on your face if it was not made for it.

If you want healthy skin, manage your stress. Your skin may be more sensitive when you are under stress, and that can lead to skin problems. Therefore, you need to take active steps to reduce the amount of stress in your life.

Whether the sun is shining or overcast, you need to protect your skin every day. Use a broad spectrum UVB protecting sunscreen 30 minutes prior to going out in the sun. If possible, you should always pick out the highest SPF that you can find. Wearing sunscreen will help avoid sunburns and premature wrinkles.

Do not use body scrubs to exfoliate if you have sensitive skin. Rather, use a dye-free organic cloth to buff your legs, arms and torso after you take a warm bath. This will get rid of dead skin cells while preventing your skin from getting irritated by harsh ingredients or particles from the scrubs.

Your skin care strategy should be based off careful research into your type of skin. An example is, if you know you your skin is dry, then you shouldn’t be buying a product that is made for oily skin. If you are unsure, invest in a visit to a skin care consultant so they can point you in the right direction.

Always keep your skin protected from the sun’s rays. UV rays from the sun are very damaging to the skin and cause premature aging. A bronzed, sun-drenched look is appealing to many, but you should be careful. Use a strong sunscreen, and avoid prolonged exposure to direct sunlight.

Keeping your hands properly moisturized can prevent hangnails. Hands are washed often leaving them very prone to dryness which causes the problems. The most beneficial products for this issue contain shea butter. It may be tempting to pick at hangnails, but it is in your best interests not to. Doing so can leave an open wound, which increases the chances of developing an infection.

The product that you choose to cleanse your face with should be chosen carefully. Ideally, the soap should be free of chemicals and fragrance; glycerin or castile soap are an excellent option. Follow this step with an all-natural facial toner and an oil-free moisturizer.

Nourish your body from the inside to improve the health of your skin. It’s an urban legend that foods like chocolate or french fries cause acne. That being said, if you suffer from problem skin, your diet is important. Fruits, vegetables, nuts, and whole grains should be the focus of your diet. This gives your body the nutrients it needs to keep all the organs in the body functioning correctly, including the skin.

When trying to rid of skin problems, your first goal should be to understand your skin first. If you don’t know what your skin type is, consult a professional. Determine your skin type before you waste money on ineffective regimens.

For more beautiful skin, use alpha-hydroxy treatments. You can find the presence of alpha-hydroxy indredients in wine, milk and some fruits. These types of acids will break down protein bonds which encourage dead skin to hang around. Once the bonds are broken the dead skin cells can be gently removed to reveal the fresh face beneath.

Jasmine extract makes a great skin moisturizer. You can also give your skin a fresh, healthy glow with jasmine extract. Jasmine extract contains skin-friendly antioxidants which make your skin soft and supple. Jasmine extract can be a little harder to find than normal moisturizers, but is easily available on the Internet. It may be higher priced than regular lotion, too.

A homemade mask is the key to glowing skin. Simply combine milk, olive oil, and ground almonds until you get a paste. Now add some ground up orange peels to the mix. This mixture should be applied to your face and allowed to rest for at least 15 minutes. Afterwards, wash your face gently and then, rub with an ice cube.

Visit your doctor or see a dermatologist if you notice drastic changes in your skin. If you are already being treated for a skin condition and it has gotten worse or not improved, you should also schedule an appointment. Skin issues are serious and if not properly treated can cause further damage so it is extremely important to get medical care as quickly as possible.

Easy skin care maintenance is as simple as wearing sunscreen regularly. The skin is very badly affected by exposure to the sun. Simply apply sunscreen under your foundation to protect your skin. You can also purchase foundation that already has SPF in it.

Get adequate sleep each night. The deep relaxation and rejuvenation that comes from a full night’s sleep will greatly benefit your skin. Not getting enough sleep causes your face to look dull, and you may get dark circles or puffiness around your eyes. It may also cause more breakouts. Your skin will look much better in the morning.

So, taking good care of your skin is vital. You should realize this by now. When your skin is taken care of, you will move through your day feeling and looking healthy, happy, and confident. You can keep your skin looking great by applying the advice from this article.

The Future of New Homes

New homes that employ home automation are on the rise and it looks as though the future is here when it comes to smart houses. Custom home builders are now routinely putting home automation systems in their model homes. This is showing off the spectacular things that these systems can do for their owners and making home automation a must have luxury for the new home buyer.

Soon, everything in all of the new houses in this country will have the ability to be control over the internet or from a single remote within the house. Turn on your new BlueStar Range, adjust the heat in the house, pipe music into the den and put the news on the television in the living room. And you can do all of that from your smart phone when you are on the other side of the world. By 2020 all of this may very well be common place. You talk to a device, like a smart phone or a tablet computer, tell the device what you need done at your house and network along with the devices on your home network will perform all of the functions you have ask of it before you arrive.

All of this technology has actually been available for a few decades now, but it starting to become mainstream and affordable so you should anticipate an explosion in the home automation market over the next several years. Be sure to ask about home automation networks when you are designing your new home with your custom home builder.

Admittedly, it’s just not always feasible or practical to make your way to the gym. However, this should never lessen your desire to work out. Lucky for you, you can have a full body workout at home even with virtually no equipment.

Seriously, I totally believe that a home workout can be extraordinarily helpful. I know, some of you perhaps you are gasping and crying blasphemy at the top of your lungs, but I honestly think this statement is true. In order to have a successful weight training program, you must:

To make use of progression. What does this mean? It means that it’s vital that you continually challenge your muscles to lift either more weight or do more reps than the last time that you were in the gym. Try to make every workout a new personal best, even if you only manage to push out one more duplication than your last workout.

Train near failure. When you exercise, you should push your body to its limits. This way you make sure you’re working your muscle fibers to their complete maximum. Because you’re training at home, you likely won’t have a spotter, so that’s why I recommend going just short of failure.

To keep your muscles guessing by doing a variety of workout routines. If you do the same workout routines in the same order for months on end, your muscles will get used to your routine. This may lead to your workouts becoming ineffective.

That’s all I need to say. You’ve got yourself a beneficial home workout

Naysayers: Give me a cause why this cannot be done at home? Here is a great one.:)

The following work out assumes that you have some standard workout equipment at home. This can be a pull-up bar or a group of dumbbells. A basic bench wouldn’t hurt either.

Beginner Lifters

For beginners, it is best to begin a full body workout. You can do this by choosing an exercise for each muscle group. After each month, change the exercise that you are carrying out. For beginners, take a look at the exercise list.

Intermediate Lifters. You might would like to know how many calories should i eat.

For those of you who have been lifting for a longer period of time, your muscles will need a little bit more emphasis to see results. For this reason, I recommend doing a split routine, 3 times a week. For each workout, take 3-4 exercises from 2 different muscle groups listed below. I would recommend the following split:

First day: Chest/ Triceps

Day 2: Break

Third day: Biceps/ Back

Day 4: Break

Day 5: Legs/Shoulders

Day 6: Break

Seventh day: Rest

If you’re an intermediate lifter, skip down to the exercise list to make your workout.

Advanced Lifters

If you have been lifting for about two years, it is best that you give attention to one muscle group each day. Choose about 5-6 physical exercises for a muscle group. A great example week may seem like this:

Day 1: Back

Day 2: Triceps & Biceps

Third day: Workouts for shoulders

Day 4: Legs

Day 5: Chest

Sixth day: Sleep

Seventh day: Rest

A Buyers Guide to Diamond Engagement Rings

No engagement is complete without the diamond engagement ring. Engagement ring prices can range in price greatly and it is the diamond that makes the engagement ring such an expensive gift. With such an important investment, you should make sure you understand some of the basics principles of buying diamonds.

Professional jewellers use four factors called the 4Cs to purchase diamonds, and you should use the same standards to buy the diamond engagement ring.

Colour – This refers to the degree to which the diamond is colourless. The colour of the diamond has a significant impact on its overall value. You can ask the jeweller to place the diamonds you are interested in order based on colour value. When comparing diamonds for colour, most consumers are not able to detect a difference unless they are at least two or three colour grades apart.

Clarity – Clarity is no less important when it comes to selecting a diamond. An Fl (Flawless) graded diamond shows no inclusions (inclusions = flaws) under 10X magnification. The fewer the imperfections, the rarer and more valuable the diamond.

Cut – This is the angles and proportions of the diamond shape. Cut is also called “make,” the better the cut the more attractive the diamond. Valuing the diamond based on cut can be very subjective.

Carat – Most people compare carat weight to size. Carat weight is the basic measuring unit of diamonds. The larger the diamond the more it weighs.

Whilst they are all beautiful, diamonds can vary greatly in colour, clarity, cut, and carat weight. We hope you’ll find the above information helpful in selecting your diamond rings. Always bear in mind that you should only buy diamond rings from a reputable jeweller.

How You Can Pick The Malware Removal Software

The on-line community is no stranger to malevolent software. The usual goal of these types of harmful applications is usually to intrude the system and damage system or leak out valuable info to strangers. A feverish internet operator is likely to encounter a malevolent software in the course of every day utilization of computer.

Whilst some malware are often recognizable, some others may barely be discovered. There are a number of anti-malware resources on the market that could help you get rid of these kinds of malicious software from your computer system. The system may also come packaged with a handful of standard malware checking resources, but the majority of them are simply barebones when compared with what selected third party designers have on offer for you.

With all the fast developing number of malicious software, you must never show any hesitation in choosing any good antimalware application for your computer. It has to be an application which has the ability to update on a frequent basis. Hence, you have to be certain that you acquire the perfect available scanner.

The majority of anti-malware solutions that come at no cost are just efficient partially. They offer a confined level of defense and are incompetent at recognizing any kind of malevolent software applications that are advanced. On the flip side, a paid solution doesn’t have any kind of limitation and could diagnose almost all sorts of malware issues associated with the system. By diligently checking the computer system, a nice anti-malware solution helps enhance the computer system speed and improves its functionality.

The ideal way to spot a nice anti malware software company is by verifying whether they have the official web site in place or otherwise. If they’ve, then you may put your money on their application. When they don’t have a site, then better steer clear of it. Also, the majority of professional resources provide end users with a real time security – a characteristic that’s lacking in free alternatives. A professional variation of a good malevolent software checking software could be bought by means of a single payment or even by paying a yearly membership charge.

Computer system protection is surely an ever growing as well as continuing procedure that might never end. You’re certain to face a number of issues in your day-to-day usage of computer system. Thankfully, an up-to-date antimalware protection may turn out to be an able partner at any time. Every single malevolent software scanning tool includes its own method of function and setting of threat scans and removals. A malware examined by a specific kind of application might be overlooked by a different application.

Buying a fine malware checking application can be a hard task. Yet you have to never ever endanger the security of your computer system and go for only the ideal option available for sale. Just a most effective solution can aid your system. Conversely, mediocre programs can damage your computer. Hence, you have to select an antimalware software after a good study.

Read through reviews as well as comments of former users. If the application has positive feedback and reviews, it will likely be good for your computer. A great application can secure the computer system and provide you with comfort.

A summary to finding the UKs best rated insurance providers and ensuring the cheapest deals

If you and your family are going on a long weekend break across the channel or journeying further afield, ensuring you have a reliable travel insurance cover plan at hand that will protect you for missed or cancelled flights, misplaced luggage, any medical bills should you get sick, mislaid or stolen passports or travel money and more is crucial. Based upon how many times a year you travel, it could well be easier and cheaper overall to invest in an annual cover plan however ensure you consult the terms and conditions carefully to be certain your travel destinations are included for all possible occurrences. With the global financial crisis hitting a large number of businesses, quite a few holiday operators and travel companies were greatly affected. Most travel insurance cover plans will also cover you should the company you book your holiday through goes bankrupt.

When selecting home insurance, it will most commonly fall into two categories: standard home insurance or home and contents insurance. Having an abundance of options existing so one is well advised to take time in choosing the best insurance policy for your individual situation. By way of an example, you might be intending to carry out a lot of building work on your property for the year ahead so it is recommended that you select a cover plan that covers any potential damage or personal injury that could arise from that. Of course also remember that the majority of insurance providers now offer a no-claims bonus so take that into account when you decide upon your next home insurance policy.

Statistically proven to be one of the increasingly common kinds of insurance currently is life insurance. Giving total reassurance that should anything happen to you your family will be financially supported and any owing balances on housing loans will be settled or a monetary amount is given to them, or your child has sufficient financial backing to manage their wellbeing until such time as they are financially independent. There is a large selection of choices to fit your own individual requirements. Such a type of cover plan is one that most now pay for each year. Having a variety of insurance companies to select from, the online application can take no more than around a quarter of an hour.

owning a furry friend in the UK and not arranging pet insurance can lead to a horrendous economic load. With veterinary appointments, immunisations, drugs in addition to operations needed adding up rapidly it is a relief and weight off your shoulders knowing that an insurance policy will reimburse a substantial amount of the final figure should your pet fall seriously sick or is injured. With insurance cover starting at just a few quid per month, in most circumstances it pays to have it in place. Pet insurance is now widely available and the simplest method to arrange cover is via the Internet where you can submit the online application form and receive confirmation in a few minutes.

Depending on one’s individual circumstances there is an abundance of auto insurance offers to be had. By way of illustration, female drivers can benefit from cheaper car insurance by signing up for a cover plan from a ladies-only provider or if you have a sports car there’s a number of businesses that specifically focus on sports and high-powered cars. It pays to do your research as well as obtain a few quotes from a selection of top providers before moving forward and just renewing the current cover plan. You will find that more often than not you can find a better deal and beat the price paid for car insurance last year!

Do you need help to pick the top insurance provider in the UK?

Should you be going on a long weekend getaway across the channel or journeying further afield, making sure you have a reliable travel insurance cover plan at hand that will cover you for flight cancellations, lost baggage, any doctor or hospital charges should you fall ill, lost passports or travel money etc. is crucial. Based upon how often you travel, it may be simpler and cheaper on the whole to invest in an annual cover plan however make sure you consult the terms and conditions carefully to make sure your travel destinations are covered for all possible occurrences. With the credit crisis hitting a large number of businesses, many tour operators and travel companies have been greatly affected. Most travel insurance policies will in addition cover you in case the company you book your holiday through goes bankrupt.

When making your choice of home insurance, it will most commonly fall into two categories: standard home insurance or home and contents insurance. With a plethora of choices to be had so one is well advised to not be hasty in deciding upon the most fitting insurance policy for your personal situation. By way of an example, you may be planning some building work on your property for the coming year so it would be advisable to select a cover plan that covers any possible damage or accident that may happen as a result of that. Of course also bear in mind that many companies now offer a no-claims discount so keep this in mind when you decide upon your new home insurance plan.

Statistically proven to be one of the increasingly common kinds of insurance at the moment is life insurance. Providing total reassurance that should anything happen then your loved ones will be looked after as well as having any outstanding amounts on mortgages will be settled or a cash figure is paid to them, or your dependent has enough monetary backing to manage their wellbeing until they become financially independent. There are a variety of options to fit your own individual requirements. Such a type of policy is one that most now pay for each year. With a variety of insurance businesses to choose from, the online application can take no more than around a quarter of an hour.

owning a furry friend in the United Kingdom and not arranging pet insurance can lead to a horrific economic liability. By way of vet consultations, vaccinations, drugs plus any surgical procedures needed totaling up rapidly it is a relief and weight off your shoulders knowing that an insurance policy will pick up a substantial amount of the bill should your pet fall seriously ill or is involved in an accident. Having insurance cover from as little as a few pounds a month, in most circumstances it pays to have it in place. Pet insurance is these days available from most financial services companies and the simplest method to arrange cover is through the company’s website where one can apply for cover and receive confirmation in a very short time.

Depending on your personal situation there are still many car insurance bargains on the market. By way of example, women drivers can benefit from cheaper car insurance by getting a policy from a female specific company or should you own a high-performance vehicle there are companies that specifically deal with sports and high-powered cars. It pays to partake in a little research and request a few quotes from a select number of top providers before going ahead and simply renewing the current cover plan. In most circumstances the majority of people will find a better deal plus get a reduction on what was paid for last year’s insurance!