Behind a career day for quarterback Matt Schaub, the Houston Texans erased a 17-14 halftime deficit to score– points in the second half and defeat the host Cincinnati Bengals 28-17. Schaub threw for 342 yards and 4 touchdowns against one interception in the solid road victory. Against a team that had won three straight games in the final seconds, Houston never gave Cincinnati the chance to create any late drama. Cincinnati dropped to 4-2 with the loss while Houston evened their record at 3-3.

Houston took the money as +3′ road underdogs with the outright win, and both teams are now 3-3 on the season against the NFL pointspread. The 45 points just managed to stay UNDER the posted total of 46. The Texans have gone UNDER in 4 of 6 this season while the Bengals evened their NFL totals record at 3-3.

After the victory, Schaub said that his team knew of Houston’s penchant for late game comebacks and that ‘putting them away’ would be a priority:

“Every game went down to the wire for them. Credit goes to them because they were able to find ways to win those games. So it was a matter of putting the game away.”

The Texans’ taciturn head coach Gary Kubiak would only offer that:

“Matt continues to put up exceptional numbers on the road.”

The defense did a stellar job as well, shutting out the Bengals in the second half. In the third quarter, Houston only allowed six yards on nine plays for a franchise record. Cornerback Dunta Robininson talked about the defensive corps mindset:

“It was swarm tackling. Everybody has a job to do, and today we made this team a one-dimensional team. Overall as a defense, we played well.”

In the losing locker room, wide receiver Chad Ochocinco admitted that his team knew that they couldn’t rely on last minute heroics to win games:

“That’s our fault. We’ve been saying that we can’t keep winning with the way we’ve been playing. We’ve got to be consistent for all four quarters.”

The Bengals will play their next two games at home, starting with a contest against the Chicago Bears this Sunday. Cincinnati is a -1 home favorite with the total set at 42. They’ll host the Baltimore Ravens the following Sunday before traveling to Pittsburgh for a game against the Steelers on November 15. The Texans host the San Francisco 49ers on Sunday, with Houston a -3 home favorite and the total set at 44.

Ross Everett is a widely published freelance sports writer and noted authority on sports betting odds comparison. He writing has appeared on a variety of sports sites including sports news and sportsbook directory sites. He lives in Southern Nevada with three Jack Russell Terriers and an emu. He is currently working on an autobiography of former energy secretary Donald Hodell.

All car owners need auto insurance, that much is true. However, insurance polices may be complex and with so many wrong information all around, it is much harder to discern facts from fiction. Confusion may lead to expensive mistakes, which is why CarInsurance180 is here to help people who need auto insurance to come to an informed decision. From rates for car insurance to premiums, read through the most common myths about car insurance, debunked:

Myth Number 1: The most expensive cars to insure are red cars.

Debunked: This is a myth that has been around for a long time and that is exactly what it is, just a myth. Colour never played in determining rates for car insurance. However, recent survey shows that approximately 25% of drivers believe that the colour of their car is a factor in determining their car insurance rate, especially if the car is red. The reality is that insurance providers will not even ask the colour of your car when calculating quotes. They are likely to ask the car model, the body type, engine size and the age of your car.

Myth Number 2: New cars are likely to be stolen

Debunked: The truth is, it is the other way around. According to the National Insurance Crime Bureau, the top ten most stolen vehicles of 2008 were:

1. Honda Civic (1995) 2. Honda Accord (1991) 3. Toyota Camry (1989) 4. Ford F-150 (1997) 5. Chevrolet C/K 1500 (1994) 6. Acura Integra (1994) 7. Dodge Ram Pickup (2004) 8. Nissan Sentra (1994) 9. Toyota Pickup (1988) 10. Toyota Corolla (2007)

The reason why most car thieves prefer older vehicles are that they are easier to steal compared to newer cars. Additionally, since most car owners are keeping their cars longer because of the unstable economy, the market for used car became popular. Most of the time, when older car models are stolen; they will not make it back on the streets in one piece.

Myth Number 3: Bare bones car insurance can provide coverage for stolen, vandalized or cars damaged by hail or fire.

Debunked: The minimum requirements for auto insurance in most states only require car owners to buy liability coverage. This means that you are only covered for the damages you inflict to other people. Unless you have comprehensive coverage, you are not fully protected from other occurrences.

Myth Number 4: Car insurance companies will pay off the policyholder’s loan or lease once a car is totalled.

Debunked: Most car insurance companies do not promise to pay off its customers’ loans once the insured car is totalled. They will, however, pay for the actual cash value of the car except for the deductibles. Any amount outstanding on the loan or car lease is the sole responsibility of the policyholder, not the insurance company. On the other hand, if you purchased gap coverage, you may be able to save yourself some grief. Gap coverage provides coverage to a policyholder once the insured car is wrecked before the loan is paid off when the accident occurred or before the term of the lease expires.

Myth Number 5: Sports car drivers get more violations; therefore, they pay higher premiums.

Debunked: This is not necessarily true. In fact, survey shows that in 2009, people who drove Hummers H2/H3 have five times the number of violations than the average car owners. On the other hand, the most “well-behaved” vehicles are people who drove Jaguars XJ. While insurance providers do not base their rates on this study, the type of car you own and your driving history are important factors that they will consider.

Looking for the best rates for car insurance? When you need auto insurance at affordable rates, shop and compare car insurance quotes from top carriers at CarInsurance180!

When the weather turns cold isn’t the time to get a furnace cleaned and serviced. Unfortunately, sometimes homeowners forget this essential maintenance until Old Man Winter blows into town. Whatever the time, a homeowner can get good service by following furnace repair recommendations from consumer groups.

Selecting a qualified, reliable furnace repair service can be simpler by heeding these tips.

First, never hire anyone who solicits your business blindly over the telephone, even if they offer “free” or “low cost” air conditioner. In most cases, these solicitors are simply trying to get someone into your home to take a quick look at your heater and then frighten you with a report that you have serious, possibly even hazardous, defects in your furnace. If the solicitor tries to pressure you over the telephone, just hang up. Yes, it’s rude, but you don’t owe a stranger any courtesy when they try to intrude on your life.

Refuse to hire anyone who rings your doorbell offering to clean the air ducts with a “shop-vac.” It takes a high-volume or steam-clean vacuum system to clean heating ducts properly

Don’t be fooled into hiring a company because its “inspector” says the home heating system poses a serious health hazard. If someone gives you this kind of report, ask for a written copy of the report and the consult with the local utility service.

Get at least three estimates in writing from other heating service companies if a service technician tells you the furnace needs replacement or major repair. Be sure that each written report includes complete listings of what’s wrong with the furnace and what it will take to fix or replace it, especially the total price with all service charges, fees and labor. Also ask for the energy efficiency rating on a new unit, if required.

The best way to avoid getting scammed in home heating is to keep up with furnace maintenance. Homeowners can clean the air return vents themselves with a vacuum cleaner. Also, changing the filter regularly, at least once a month especially in winter, will help keep the furnace working well.

If it turns out that the furnace really does need repair or replacement, check the original warranty to determine whether repairs are covered. Some warranties require that the furnace receive annual maintenance in order to keep the warranty valid. If you must buy a new furnace, don’t choose a unit that’s too big for your household needs. You’ll only waste money.

To keep the furnace in good working order, as well as keeping the warranty in force, get the unit cleaned and tested on a yearly basis. Gas heating systems should be cleaned at least every other year, while units that run on fuel oil must be cleaned annually.

If you don’t have an annual service contract with a reputable home maintenance and repair company, ask for recommendations from neighbors, family members or co-workers. Then check out their recommendations with local authorities such as the Better Business Bureau or even the public records of small claims court. One woman who served as a bailiff in local courts once hired a heating repair service because, as she told them later, “you’re the only company who’s never been through our court.”

If you must choose a repair firm, be sure to ask specific questions about the required service. Write down the make, year, model and special features of your home heating unit. Then ask the company for a full estimate, including the total price, for repairing or replacing your unit.

A warm and cozy home in wintertime should result from following these furnace repair recommendations.

Air conditioner Toronto provider that sells, installs and services heating and air conditioning Toronto products.

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