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When it comes to getting the best deal and the cheapest premium on your mortgage protection insurance then without a doubt the only way to go is to shop around and go with a specialist provider. A specialist provider can make sure that you understand the policy and that it is suitable for your particular needs, as well as highlighting any exclusion within them. Of course, you should always make sure that you read the small print too to make doubly sure that the policy is right for you.

Mortgage protection insurance can be a worthwhile safety net, after all, your monthly mortgage repayments are surely your biggest financial outlay and that is why you should give some consideration as to how you would meet your commitments if your income should stop. In cases where you become out of work through having an accident, prolonged sickness or involuntary unemployment, a policy will normally pay out for up to a period of 12-24 months once you have been out of work for a predefined period of time.

The majority of policies - around 80% - are usually sold alongside the mortgage and are taken from the same provider, which is usually the high street bank or lender. However, while the high street lender can offer you great deals when it comes to the interest rate on your mortgage, very few offer low premium mortgage protection insurance. They make up the profits lost from the cheap mortgage deal by whacking it on to your mortgage protection insurance cover.

Generally, the high street banks and lenders will, in comparison to a standalone provider, charge way over the odds for the cover, meaning that you could be paying thousands more than you should be. An independent provider can not only offer you the cheapest premiums but you will also benefit from their expertise in the area. A specialist will know the product inside out and can help you to make sure that you wont be buying a product that isnt suitable for your needs.

It is important to understand the product and the majority of specialist providers will give plenty of free information and great advice on their website.

Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of low cost mortgage protection insurance, income protection insurance and loan payment protection insurance.

Learning how to make soap using the cold process is incredibly rewarding. Not only will you feel a sense of accomplishment once you have made your first batch successfully, but you will also be able to use the fruits of your labor. Since you will be using the cold process, you will be creating your soap completely from scratch. It is a great feeling to be able to take a handful of totally unrelated items and create something new with them.

Safety is of the utmost importance. You will be using sodium hydroxide, or lye, which will cause chemical burns if it comes in contact with your skin. Be sure to wear goggles that completely seal around the face and rubber gloves. Long sleeves and an apron are also a good idea. Do not make soap when children or pets are around. The following are the basic directions for how to make soap.

Basic Cold Process Soap Making Steps

1. In a glass bowl, add lye to distilled water mixing slowly.
2. Melt your oils in a stainless steel pot.
3. When the temperatures of the oils and the lye water are close to the same temperature, pour the lye water into the into the oils. This will create the soap mix.
4. Stir the soap mix thoroughly until it reaches "trace".
5. Once the soap mix reaches trace, add the essential oils or fragrances called for by the recipe.
6. Stir the soap mix and pour it into the soap molds.
7. Cover the molds with towels and let them set for twenty-four to forty-eight hours.
8. After the soap has solidified, remove the soap from the mold.
9. Allow the soap to cure for four to six weeks.

Once You Learn How to Make Soap, You Won't Go Back

This is the truth. The "soap" sold in grocery stores is actually detrimental to your skin, filled with numerous chemicals that you probably would not want on your body. The soap you make will be nourishing and will promote healthier skin like nothing you have used before. You will also be able to make soap for family and friends as gifts or to protect them from grocery store "soap". Additionally, you will be able to make soap any way that you like. There are recipes for everything from healthy versions of grocery store "soap" to chocolate soap! Eventually, you will even be able to create your own recipes.

J. Martin is the webmaster of Soap Making Fun. For more detailed instructions on the cold process, check out his how to make soap video.