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Cheap insurance? Auto insurance, life insurance, health insurance, liability insurance - whatever type of insurance you need, you can buy it for less. Try the following:

1. Raise you deductible. Why have a $100 deductible if a $1000 deductible won t break you? It may hurt to pay the first thousand someday, but what if meanwhile you saved several thousand? High deductibles mean lower rates. Of course, get quotes with various deductibles, to be sure you re saving enough for the higher risk.

2. Lower your coverage. Insurance agents secretly admit that people usually get sued according to policy limits. You ll be sued for more if your limit is a million than if it s a hundred thousand. A judgement beyond the policy limits is a scary thought, but this can happen no matter what your limits are. If you don t have many assets or much money in the bank, consider lowering your coverage to save money. Get quotes first, of course, to see how much you ll save.

3. Lower the insurance company s risk (more...)

When you feel the first symptoms of pregnancy, you naturally head to the drug store to find a good pregnancy test. Have you ever wondered how they work?

Over-the-counter pregnancy tests look for the presence of the “pregnancy hormone” in your urine. The test you receive later in your doctor s office looks for the same hormone in your blood. The hormone is called human chorionic gonadotropin, or hCG for short. This hormone begins to build up just a few days after the fertilized egg is implanted in your uterine wall. The hCG will cause your placenta to produce progesterone after the implantation of the embryo, which is necessary to prevent the embryo s rejection.

Because it takes time for the hormone to build up to detectable levels, most over-the-counter pregnancy tests work best when taken a few days or a week after your missed period. Some brands claim to be accurate sooner, but all women ovulate at different times of their cycles, so this may or may not be true for you.

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