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According to some gamers, myself included, the Xbox 360 was rushed out too early so that it could hit the market for the Christmas season, as well as be unveiled at a number of popular gaming conventions such the Consumer Electronics Show in Las Vegas. I had used a number of both Windows and Apple Macintosh products in the past but when I bought the Xbox 360, I had been using an iMac for a few years. Also, I was still gaming away on my old Playstation 2!

Attracted by the impressive selection of games and great graphics, I bought my Xbox 360 console for $450. Next, I bought a couple of games to test it out - the total cost of my new gaming experience was just under $600. The more I played, the more fun I had until one day I turned on my console to find that it just shut down and wasn't working. Plugging the leads in again had no effect on the problem, nor did restarting the console.

Looking on the power ring at the front of the console I noticed a ring of red lights that were blinking. Because I worked in the electronics industry I was well aware that this blinking ring of red lights wasn't a good thing and could indicate some serious trouble. After searching the Internet I found that there were three options available to get me back to gaming. These were:

1. Ship the console back to Microsoft so that they could repair the blinking red light ring. Although this seemed like a good option at the time, further investigation revealed that it would take at least a couple of months to receive a new console, plus there was no guarantee that the new console would not suffer the same fault again.

2. Buy a new console. $425 is a lot of money and I couldn't afford it at the time so this really wasn't a viable option.

3. Repair the blinking red light ring myself, if it was actually possible to do so.

After more searching, the solution I found that actually worked was the "Xbox 360 3 Red Light Fix: Pro Gamer Edition". This was a series of high quality videos with a companion PDF guide and members only website that showed me step-by-step how to repair the blinking red light ring on my Xbox 360 in around an hour. Even if you are not very technically inclined I believe that "Xbox 360 3 Red Light Fix: Pro Gamer Edition" is simple and straightforward enough for you to be able to fix your broken Xbox 360. I certainly found it very easy to use with its clear video and comprehensive written instructions.

To learn more about "Xbox 360 3 Red Light Fix; Pro Gamer Edition" and how it will show you how to repair the blinking red light ring on your Xbox 360, click here. James Philipson is a trusted name in electronic repairs and has worked in the electronics industry for a number of years. He has personally repaired over thirty Xbox 360 consoles and is offering visitors to his website a free download of his "What Causes The 3 Red Lights Error - How To Fix It" report, as well as a valuable free bonus.

What determines car insurance rates? The answer lies in the simple economics of the way in which insurance business is financed. When it accepts risks, an insurance company needs to know that it can pay out the benefits claimed if those risks occurred. Where does it get the money from to meet those claims? Very simply, it comes from the premiums collected from all of the policy holders. In other words, premiums need to be collected at a sufficient level to cover the cost of claims likely to be paid out. At its simplest, therefore, the more drivers claim on their insurance, the higher the premiums will be for everyone.

This will probably appear extremely frustrating to the careful motorist who has never claimed on his car insurance, of course. But the fact remains that the single most important determinant of car insurance rates is the overall level of claims settled by the insurer.

The insurer's attempt to balance risks against potential claims also brings the question of insurance rates or premiums much closer to home - to the individual policy holder - in terms of his or her personal and driving experience.

This is probably most marked in terms of the gender and age of the insured motorist. The statistics compiled by insurers show that young men and older drivers are more likely to be involved in accidents that result in a claim against their insurance. These two groups, therefore, are most likely to pay higher premiums.

Safer drivers are those who are less likely to make claims. In an effort to encourage safer and claim-free driving, therefore, insurance companies reward policy holders who have not had to make a claim - or had a claim against them - in the previous year. This is the familiar no claims discount, which, according to the particular insurance company involved and the number of claims-free years can reduce the annual insurance premium from anything between 30% and 65%.

Insurers will also refer to your postcode in an effort to assess the risk of your vehicle being vandalised or broken into. Readily available crime statistics will show that some areas have a higher incidence of such attacks and the policy holder living in such an area is likely to pay a higher premium because of it. Mitigating such risks by parking the car in a garage or driveway, rather than on the street, on the other hand, could lead to a reduction in the rate.

Insurers have developed a system of classifying cars according to their size, performance and, most importantly, their value. Clearly, a bigger, more expensive car will cost more to repair. Similarly, higher performance vehicles are more likely to be driven faster and statistics show that speed increases the likelihood of accidents.

The determinants of car insurance rates, therefore, range from the universal experience of insurers who need to cover claims payouts with premiums collected down to the individual driver's personal circumstances, their driving record and the type of car he or she chooses to drive.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.