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Why Is Net Neutrality Necessary Would you like to use a cellphone that blocks every other number except a few? Would you like to send your child to the school that only teaches a few standard courses unless you buy the full curriculum? Without net neutrality, your ISP could do just that. We all have witnessed how last year, 2018 ended with the end of internet freedom; FCC voted to lift the Obama-led net neutrality rules that transfer the internet freedom from the users to ISPs, now telecom giants have more power over your online presence than yourself. For Internet Marketing? Non-neutrality is a hot-button issue that has opened a pandora box and sparked the debate faster than a celebrity Twitter battle, and this does not show any sign of letting up. Today’s virtual world offers open-source softwares, startups, and consumers competing with each other for the spotlight without having to pay for anything. This competitive environment makes the internet marketing and SEO tick. Without placing the old regulations, the internet could be an entirely different place for consumers and obviously online marketers like us. In this article, we are talking about why a highly-critical and massively-important topic, dismantling net neutrality, is equally important for the web-marketers as well. Especially those small and medium business, local firms and websites that are not well-recognized on the web. The reason for writing about net neutrality in the context of online marketing is to shed light on the subject matter that why having net neutrality is an integral requirement for online marketers. Why Marketers Should Care About Net Neutrality? The Death Of Equal Web Access - A “Not So Level” Playing Field Intense Competition: A fierce competition would arise without having to pay and without having to serve only those users, who may be paying differentiated rates to their respective ISPs. Fewer players: Previously, anyone can enter the field by simply registering a website and hosting it - Be it Google, Facebook, Microsoft, Amazon, you are technically in competition with everyone. You get the same access, at least at the basic ISP level, with everyone on the internet; means the demand of competitive practices rise as there is a large number of businesses that need to compete and who can compete. Everyone had the same access and there was no discrimination among online users, which encourages the concept of fair competition. Advantageous For Big, Rich And Established Players: Already established businesses that have ample wealth, influence and resources are least bothered how much the ISPs are bidding. It’s easy to say “Hey, I am chill with not having net-neutrality as I know I can always be in the lowest tier as I can pay anything to the ISPs and I can influence state regulations, and can easily connect with all the ISPs to remain widely accessible.” But for a small website, product or online service provider it’s a nightmare - means it’s tougher to get started. Online Presence Is Cheaper With Net Neutrality Don’t Need To Pay Off Any ISPs: Net neutrality means you are automatically guaranteed to create your presence online without having to pay anything “extra”. You don’t need to approach Comcast or AT&T or Cox and ask for a high-speed, faster-tier, best access plan to get yourself registered on the web. Non-neutrality would sway this online privacy freedom from businesses to get their presence online. No Separate Process: It’s not matter of cost only, reaching ISPs involves intensified work. The list of ISP is in hundreds and the active users reached the threshold of millions in the US today. Although the numbers are shrinking but still it’s a very very challenging task to do; if you are a big insurance provider, someone might do it for you but what if you are a brand-new online business, it’ll be a difficult task for you get started. Creating Winners And Losers With And Without Net Neutrality The product, the strategy and the quality of products and services that a new website are going to offer as compared to the already established businesses would have a huge difference. Those online startups or online publishers who previously had the potential to turn the table 360 degrees and might have an innovative idea but less funding would have to face a real struggle to elevate their businesses because of the very basic necessity, the Internet is segmented, packaged and shackled. And this environment is awfully unfavorable for anyone who’s thinking of stepping in against the giants. So, to a greater extent, to create winners and losers today versus the potential pre-net-neutrality era varies drastically. The situation created after the net neutrality repeal has a built-in advantage to the wealthy and people with influence. Taking the late-stage 2017 capitalist into consideration, we are already exposed to a lot of money and influence. Does those with money and influence need another leg up on competitive entrepreneurs, startups, and folks, only time will tell. What Can We Do? If you really want to take some serious action and fight back and register yourself against your Congressperson, senator or any local or federal representative, then support just neutrality and be a part of the initiatives that may be available in your country or geographical locality. This is something we have fought before as internet users, and now it's time to voice your opinion on creating an equal footing for everyone. Be sure to join comment section to ensure further discussion. 4

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  Having homeowners insurance is the right way to deal with the property as you do not have to pay the entire cost of the expenses. Homeowners insurance safeguards users from having to pay the full amount for repairing your home or replacing the things damaged in the event of a natural disaster or calamity. The price you pay for the homeowner's insurance can reach hundreds or dollars which depends on the insurance company you buy from and their policies. In addition to the tips to help you save some money on any insurance policy, there are other ways you can reduce costs on your homeowner's insurance. Follow these five tips to reduce money easily on your homeowner's insurance. Carefully Consider the location of your House While looking for a new house or apartment, people do not bother considering what will be the impact on the houseowners insurance because things are always tasks for granted. The location will impact how you pay for your homeowners insurance. The reason this is crucial, you can avoid natural calamities in case your house is close to a fire hydrant. This will cut down the cost of your premium as well as your fire insurance will be less costly. Further, consider natural disasters as well that happen most often in the region before you buy a home. If your house is made from a wood frame then it may save you money on your insurance in earthquake regions as these houses can withstand damages better. Look Around and then Shop It would take some time, but it will save you a lot of money. How? Look around and ask your friends, cross-check the yellow pages or call the state insurance department to inquire. Phone numbers and sites are always mentioned on the back page of the pamphlet or brochure. Also, the  National Association of Insurance Commissioners has all the information to guide to choosing the insurer in your state which includes complaints as well. States often provide information available on the basic rates charged by the majority of insurers, and there are exceptions where insurers provide the frequency of complaints lodged by customers. It would be wise to go through consumer guides, insurance agents and their companies to check charges so you will get an idea of ​​the price ranges that the companies are offering. Price should not be the only indicator as the quality of service should also matter in filing a claim. To assess the quality of the service, make sure you use the complaint information. Also, it is highly advised to check the financial stability of the companies because it is better to leave your houseowners loan in good skilled hands. Maintain a Good Credit record Having a good credit history is a plus as it can cut your insurance costs to the minimum. Insurers are heavily using credit information to price homeowners insurance policies. In some of the states, the insurer usually advises you for any adverse action, for example, a higher rate at which it's better to verify the authenticity of the information on which the insurer relied. To secure and protect your credit standing, make sure to pay your bills on time and don't get more credit than you actually need and maintain your credit balances on the lower side. Maintaining credit records is a tough item considering the current cyber security issues. Cyber ​​criminals are lurking everywhere to harvest bank account credentials. Never take your online security for granted, you never know while maintaining a good credit balance your online security is compromised without you knowing it. Before anything, start using an online security tool like NordVPN to make sure your credentials remain safe. Also, keep checking the credit record daily and correct any errors promptly. Raise your deductible Deductibles is the amount of cost you need to pay for a loss before the insurance company starts to pay the claim which depends on the terms of your policy. The higher the deductible is, the more money you are able to save on your premiums. These days, majority of insurance companies suggest a deductible or a minimum of $ 500. If you can easily manage to raise deductible by $ 1,000, you will be able to save as much as 25%. Note that if you reside in a disaster-prone area such as California where Earthquakes, floods, hurricanes are frequent, your insurance policy will include a separate deductible for different kind of damage. Hurricane-prone areas will have a Hurricane deductible and so on the policies will differ. Remain with the Same Insurer If you have a coverage with a company for several years, you would want to revise the policy for an exclusive discount as being a long-term policyholder. Few insurers will cut their premiums by 5% or more if you stay with them for 3-5 years and 10% if stayed for more than six years. However, this is not the case with every insurer so make sure you cross the long term policies beforehand.