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Russell Longcore - EzineArticles.com Expert Author
Russell D. Longcore is one of those rare individuals who found the perfect career, and loves every minute of his work. Russell has an worldwide insurance claims and claims consulting practice headquartered in Atlanta, Georgia USA. In his career, he has handled claims as simple as a water leak in a home, and as complicated as multi-million dollar commercial property and liability losses. Russell has a breadth of knowledge and wisdom about insurance, money ... [More]
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- The Enemies of Love, Part Twelve - Television
[Relationships:Enhancement] Television can be one of the enemies of love. I should say that watching too much television can negatively affect your love life.
- Secession and the Berlin Wall
[News-and-Society:Pure-Opinion] I'm writing this article on November 9, 2009, which is the 20th anniversary of the "fall" of the Berlin Wall. What actually happened on this date twenty years ago was that the East German government announced that East Germans and West Germans would be allowed to visit each other freely.
- Cowardice in State Government
[News-and-Society:Pure-Opinion] The United States was organized with a Federal structure. Under that structure the national government was supposed to have two overriding dicta: to safeguard the States from foreign invasion and domestic violence, and provide a Republican form of government to the States. (Article IV, Section 4 of the Constitution)
- The Enemies of Love, Part Ten - Lack of Self Esteem
[Relationships:Enhancement] Your self-esteem is an continual reflection of what you think about yourself on the inside and what you do on the outside. Self esteem issues can derail a relationship fast. It can also keep one from happening altogether.
- The Enemies of Love, Part Eight - Lack of Empathy
[Relationships:Enhancement] How relatable are you? Your level of relatability will be directly proportionate to how loveable you are. And empathy is essential when you want to relate to another human being...especially a woman.
- The Enemies of Love, Part Seven - Poor Communication
[Relationships:Communication] I could write a book about poor communication. I've gotten myself in some tight spots in the past because of poor communication. It can really have a negative affect on your loving relationships, and sometimes the momentary mistakes you make take a long time to repair.
- The Enemies of Love, Part Six - Lack of Commitment
[Relationships:Enhancement] Commitment scares a lot of guys. It goes back to the last article on stereotypes. If you have a preconceived idea of what commitment means, and it's not where you want to be, you are going to have big problems in establishing a loving relationship with a lady.
- The Enemies of Love, Part Five - Stereotypical Thinking
[Relationships:Enhancement] Stereotypical thinking is so easy to adopt. It's almost like breathing. There are so many influences in our lives that cause us to adopt stereotypes.
- The Enemies of Love - Part Three - Apathy
[Relationships:Conflict] I've always heard people list the opposite of love as hate. But that's wrong. Love and hate are both filled with emotion. The opposite of love is apathy.
- The Enemies of Love - Part Four - Immaturity
[Relationships:Conflict] But by whose standards do we evaluate maturity? That same dictionary defines "maturity" as the state or quality of being fully grown or developed. So is the immaturity we're discussing about body growth? No. It's about mental and emotional growth.
- The Enemies of Love - Part Two - Cynicism
[Relationships:Conflict] Are you cynical? Cynicism can destroy a relationship if not unchecked. I have a friend who is very cynical and says "if you're not a cynic in today's world, you're not paying attention." Curiously, this guy is so negative that most of his oldest friends don't want to be in the same room with him anymore.
- Rubbing Her the Right Way - Massage Tips For Great Lovers
[Relationships:Enhancement] Massage can be a non-sexual way of giving of yourself to a lady. Massage can relax muscles, ease and soothe aches and pains, or even energize and rejuvenate if done correctly. Massage restores balance to the body.
- Rubbing Her the Right Way, Part 2 - Hand Massage
[Relationships:Enhancement] Hand massage can be a wonderful way of breaking the ice with a lady you just met, or relaxing your long-time love. Once you start doing hand massages, your popularity will skyrocket. Your lady will look forward to hand massages and request them often.
- The Enemies of Love, Part One - Unresolved Resentments
[Relationships:Conflict] It takes a lot of effort to create loving relationships. There are enemies of love that will kill your loving relationship with your lady. Any one of these can kill your love. If you pile a few together, you can be sure you'll either be miserable...or single again.
- Non-Aggression Principle and Vice - Where's the Crime?
[News-and-Society:Pure-Opinion] One of the tenets of individual liberty is the Non-Aggression Principle (NAP), which states that no person has the right to initiate force or fraud against any other person for any reason. When the NAP comes up against criminal law as it relates to vices, both should be tested honestly.
- Writing the New Texas Constitution - Avoiding Inherent Flaws
[News-and-Society:Pure-Opinion] In this article, I will prove that the Constitution is without authority and that the subject of secession related to the Constitution is entirely irrelevant, and that any states need not concern themselves with the constitutionality of secession.
- Bribery - Also Known As Lobbying
[News-and-Society:Pure-Opinion] The health insurance companies of America are lining up at the doors of Congress to commit legalized bribery like never before. In this time in which Congress and the President are trying to craft some type of health care legislation, insurers want to make certain that their feet are firmly under the table.
- Relationship Mastery Requires Study
[Relationships:Enhancement] Men who make a commitment to study how men and women relate will have an easier time dating. Those men will then have an easier time building a solid, lasting relationship with one woman.
- Texas Exhales - Judge William Justice Dead at 89
[News-and-Society:Pure-Opinion] Judge William Wayne Justice has died at age 89 after a long illness. Texas can now exhale, and those who are crafting a New Texas should take the life of Judge Justice as an example of the type of justice Texas doesn't want and won't tolerate.
- Texas As a Safe Haven Nation - Magnet For Wealth Preservation
[News-and-Society:Pure-Opinion] If you see the writing on the wall in your country (or state), and know that you must expatriate to a new country, the time is NOW to begin preparations. Your plans must be in place and executed before a meltdown in your country or state occurs. After the meltdown, it might be too late. You may become an inmate of Prison Planet.
- Governor Rick Perry - Is He the Right Man For a New Texas?
[News-and-Society:Pure-Opinion] The big questions about Rick Perry are these: How much tyranny from Washington is too much? Will there ever be a point at which the Texas governor says that Washington has gone too far, and that Texas must now go its own way?
- What Would a Truly Free Nation Look Like?
[News-and-Society:Pure-Opinion] One day soon, the United States Federal government is likely to collapse. The cause will probably be that the rest of the nations of the world will reject the dollar as the world's reserve currency, and adopt another currency, or a basket of currencies, as their new reserve.
- Dating - How Do You Know She's the One?
[Relationships:Dating] You may have been dating for a while, or only a short time. But for every man there comes a moment where a relationship with a woman changes. The change may be subtle, or it may be a real revelation. So, how do you know when you're truly in love? Is it just infatuation?
- Best P&C Insurance Companies - How Do You Find the Best?
[Insurance:Agents-Marketers] In 2008, The Department of Insurance of the State of New York released a report showing the 40 P&C insurance companies that had the most complaints. We did an article about this previously. We showed the ten worst companies, the ones that got the most complaints. But we did not feature the ones that got the least number of complaints in New York, a tough insurance market.
- Birth Control - Who is Responsible For Birth Control?
[Health-and-Fitness:Contraceptives-Birth-Control] If you are going to have sex with your lady, and you do not want to produce another human life, which of you are responsible for using birth control products? I've heard some guys say that birth control is the woman's responsibility, since she is the one who could get pregnant.
- Mississippi High Court Protects Homeowners
[Insurance:Home-Owners-Renters] The Mississippi Supreme Court recently handed down a new opinion that rejected the Fifth Circuit decision concerning the Anti-Concurrent Clause (ACC). This new Supreme Court opinion has crucial importance to homeowners and business owners across America. Coastal areas are experiencing population growth, as well as other areas subject to catastrophes such as hurricanes, earthquakes and floods...
- Great Lovers Are Creative
[Relationships:Enhancement] Throughout these articles, I've recommended that you guys be creative in many ways. But what if you don't know what I mean?
- Secession and The Gold Standard
[News-and-Society:Pure-Opinion] If any American state secedes and establishes a currency that is not a gold standard, you can be certain that, like in the song..."meet the new boss, same as the old boss." You've just traded one group of tyrants for a smaller group of tyrants.
- Ten Questions to Kill Off Assumptions
[Relationships:Enhancement] One of the worst things you can do to another person is assume things about them. The old saying is that when you assume, you make an "ass of u and me." If you don't get it, that's a play on the word "assume."
- Barack Obama and the Nobel Peace Prize
[News-and-Society:Pure-Opinion] The Nobel Peace Prize continues its tradition of being a completely meaningless award with no basis in reality.
Here are some of the more "interesting" past award winners:
- State Secession - Who Will Be the Enemies of Secession?
[News-and-Society:Pure-Opinion] So, once the movement gains undeniable traction in one particular state, who will begin to resist? Who will actively fight secession? Here is the short list.
- Great Lovers Can Dance
[Recreation-and-Sports:Dancing] I guarantee that you will never regret the moments you spend with your lady in your arms dancing. Dancing builds great memories, and a legacy of fun together. If you want to be known as a Great Lover, become a great dancer.
- Seven Myths About Flood Insurance
[Insurance:Flood] Remember Hurricane Katrina? The hurricane winds blew flood waters into areas that had never had floods before. The insurance industry denied thousands of claims, attributing the damages to flood. Thousands of property owners who were nowhere near a flood plain had their claims denied because they did not have flood insurance. So, here are seven common myths about Flood Insurance.
- Will Austin Become "Liberty Central" Or "Little Washington?"
[News-and-Society:Pure-Opinion] So Texas could have the chance of becoming a new nation. But will Austin, the state capitol, become a beacon of liberty for the rest of the world, or simply a smaller version of Washington DC?
- The Art of Gift Giving
[Shopping-and-Product-Reviews:Gifts] It's a no-brainer to give a gift at Christmas, birthday, wedding anniversary, Valentine's Day, Sweetest Day, and such. But are you thinking about your lady in non-holiday times?
- Reward Ford For Not Accepting Bailout Money
[News-and-Society:Pure-Opinion] Everybody knows that General Motors (GM) and Chrysler willingly accepted a monetary bailout from the US Federal Government, courtesy of Presidents Bush and Obama and a Congress who can't say no. The Ford Motor Company made a decision that, even though they have been bleeding money for years, they would not seek Federal welfare.
- Are You Good at Creating a Mood?
[Relationships:Sexuality] Sometimes, hot sex just happens spontaneously. That's great! But more often, we have to prepare for it.
- Do You Know How to Make Her Feel Sexy?
[Relationships:Sexuality] There is an old saying: "Most of the unhappiness in our life comes because we listen to ourselves more than we talk to ourselves." Get it? Our lives are self-fulfilling prophesies. But you can help to change your lady's self image with consistent encouragement and compliments.
- Rubbing Her the Right Way, Part 3 - Foot Massages
[Relationships:Enhancement] Part One of this series told you how massage should be a vital tool in your love toolbox. Part Two showed you that hand massages are gifts to a woman, and will never be forgotten. In this article, let's explore foot massage and the ways you can use foot massage to become a legendary Lover.
- Rubbing Her the Right Way, Part 4 - Full Body Massage
[Relationships:Enhancement] Great Lovers are great massagers. Few things can bring such pleasure to a woman as massage. And, here you are with the desire to give your lady pleasure. Perfect!
- Become an Expert at Flirting, Part One
[Relationships:Enhancement] Flirting is foreplay in street shoes. It can be done anywhere men and women meet. Great lovers practice flirting constantly. You can flirt with a woman in nearly every social situation.
- Great Lovers Take Responsibility For Themselves
[Relationships:Dating] Great Lovers are men who have grown up into adulthood yet still maintaining a childlike sense. Women love men who are grownups yet childlike. It makes them want to cuddle us like little boys. Women love to see boyishness in grown men because boyishness is akin to youthfulness.
- Become an Expert at Flirting, Part Two
[Relationships:Enhancement] Yesterday, I showed you ways that you can hone your skills at flirting. Today, I want to give you an alert on the ways that women flirt with men.
- To Be a Great Lover, Become a Great Listener
[Relationships:Enhancement] These articles are all about becoming a Great Lover. I am generally speaking to men. And guys are not usually expert listeners. But you can improve dramatically and develop real intimacy with your lady. And, as you develop intimacy skills, you'll get more and better sex.
- Great Lovers Do Things Women Like to Do
[Relationships:Enhancement] Men and women customarily have different ideas on what activities constitute having a good time. It is rare to find a woman who generally likes the same things as a man.
- Great Lovers Fight Fair - Ten Tips on Fighting Fair
[Relationships:Conflict] It is inevitable that you and your lady are going to fight about something. The manner in which you choose to fight will determine a large percentage of the happiness and longevity of your relationship.
- Recruiting - Keeping the Main Thing the Main Thing
[News-and-Society:Pure-Opinion] Members of the Texas Nationalist Movement are the vanguard of political thought in today's world. We are advocating and promoting liberty, not enslavement to a far-off rogue government that has ceased to obey the law.
- Money, Inflation and Slicing a Pizza
[News-and-Society:Pure-Opinion] Today, let's think about our dollars, what's happening to them, what will happen to them in the future, and how it's going to affect YOU. Federal Reserve Notes are called dollars. The name is actually a misnomer.
- How Do You Smell?
[Relationships:Sexuality] One of the most wonderful of our senses is the sense of smell. Some of the most powerful memories we ever accumulate are related to fragrances and odors.
- Personal Hygiene For Manly Men
[Health-and-Fitness:Mens-Issues] In the quest to be a Great Lover, the first stop we'll make is on the issue of personal hygiene. Men are typically less concerned about hygiene than women are. That's normal, since women have different bodies than ours. They have to be concerned with menstrual hygiene issues that we don't. Plus, women are hardwired to work at being attractive.
- Compliments and Praise
[Relationships:Communication] The old adage is still true: You will attract more bees with honey than with vinegar. Everyone enjoys being around people that make them feel good, and few are willing to endure negative people for too long.
- Be a Gentleman
[Relationships:Communication] You might be the crudest, backwoods hick in the world. You may have never had one moment of training on how to be a gentleman. But, know this. You can change. No matter if you are a teen, middle aged or a Senior Citizen, you can improve your manners.
- Gun Locks and Gun Safes - Sensible Or Stupid?
[News-and-Society:Crime] Simply owning a gun is it's own best use. Each year millions of crimes are prevented simply by the presence of a gun. The Bureau of Justice states that you have a 1-in-4 chance of being involved in a violent crime during your lifetime. So, in order to protect yourself, your family, and your property, you must own a gun. But ownership without proficiency is the same as owning a toaster.
- Life Insurance and Wall Street - A New Scheme Emerges
[Insurance:Life-Annuities] You might have heard of Viatical Life Insurance Settlements. The viatical settlement is when a life insurance policy owner sells the policy to another party. The buyer discounts from the face amount of the policy but usually pays an amount in excess of the cash value of the policy. This provides the seller an immediate cash settlement that's higher than he would have gotten from the insurance company. The buyer continues to pay the premium until the death of the seller. Then, the buyer collects the face amount of the policy.
- Cognitive Dissonance Or American Life in the 21st Century
[News-and-Society:Politics] So, why all this fuss about Cognitive Dissonance? Simply to point out that ALL human beings labor under it, and that Cognitive Dissonance has real consequences in our real world. It goes a long way to explain why people do the things that they do. And, if you want to really understand people and have a clear understanding of what they value, don't listen to what they say...only watch what they do.
- The Stockholm Syndrome For States
[News-and-Society:Pure-Opinion] When will states awaken from their long slumber and once again realize that they are sovereign and independent, and that they have the power to shake off the heavy burden of Federal tyranny?
- Big Insurance Companies and the McKinsey Report
[Insurance] CNN anchor Anderson Cooper recently did a two-part series on the business practices of the nations largest property/casualty insurance company and Allstate Insurance. It was the culmination of an 18-month CNN investigation of low-impact, soft-tissue injury accidents around the country. The series was then broadcast on CNN. The links to the two segments are listed below.
- Verdict on Aftermarket Parts Costs Insurance Company $17 Million
[Insurance:Car-Auto] American Family Mutual Insurance Company was ordered to pay $17 million to settle part of a class action lawsuit over aftermarket parts in Missouri. A jury in Jackson County, Missouri returned a decision that American Family had wrongly paid automobile damage claims based upon the use of aftermarket replacement parts.
- Health Care in Atlanta - The World's Most Expensive Moth
[Insurance:Health] Saturday evening, I was sitting in my big comfy leather chair watching the Atlanta Falcons lose their first pre-season game. At about 10:30 a small moth flew into my right ear.
- Non-Standard Car Insurance - Are You a High Risk Driver?
[Insurance:Car-Auto] Non-standard car insurance is the insurance product designed for drivers who can't qualify for standard auto insurance due to an adverse driving record, driver age, lapse in coverage or a non-standard/high performance vehicle. A high-risk driver could be someone that has a serious violation, such as a DUI or careless driving, on their driving record.
- Basic Estate Planning - 14 Ways to Make a Mess of Your Estate
[Finance:Estate-Plan-Trusts] Let's face it. Your alive now and one day you'll die. You will likely own stuff when you die, and all of your stuff is called your "assets." Assets have value, and at your death, those assets need to be given to someone who is still alive...unlike you. Here are 14 ways you can mess up your estate.
- Estate Executor - 11 Tips on What Do I Do First
[Finance:Estate-Plan-Trusts] You've agreed to be the executor of a person's estate. You've never been an executor before. That person has now gone on to their eternal reward. Now the person can be called "the decedent." What should you be doing now that the distribution of the estate is in your hands?
- The Estate Executor - Think Twice Before Agreeing to Be an Executor
[Finance:Estate-Plan-Trusts] Someone close to you may ask you to be executor or trustee of their estate. You may be flattered, or feel honored at that level of trust. But your decision to accept or not to accept must be made with very careful analysis of the situation. You could unknowingly be accepting bitter feuds between family members, years of painstaking work, legal challenges beyond your knowledge, and even lawsuits.
- Event Cancellation Insurance - Protecting Your Big Event
[Insurance:Commercial] The event was the COMDEX convention held at the Georgia World Congress Center in Atlanta. COMDEX was the annual global IT convention, featuring the newest computers, electronics and gadgets. This was the biggest convention held in Atlanta each year. 200,000 people would attend the convention over four days.
- Cash For Clunkers - Uncle Daddy Helps Americans Buy Cars
[News-and-Society:Pure-Opinion] This program's rules and fine print are enough for ten negative articles. Rules like disposal of the clunker and filing the required forms are Orwellian. But today let's take the view from 30,000 feet instead of using just the ground-level look.
- Contractors Alert - Your Liability Carrier May Start Playing Rough
[Insurance:Commercial] Now that the insurance companies have a favorable court decision in their back pockets, you should expect your insurance carrier to play for keeps. A potential liability claim denial will bring a new discipline to the business life of the General Contractor.
- Sustaining the Unsustainable - Mantra For Government Madness
[News-and-Society:Pure-Opinion] Washington is on a mad quest to sustain the unsustainable. This is the very reason that they can never succeed. This is the reason that they cannot change to being honest in their dealings. This is the reason they must continue on this path until the inevitable collapse occurs.
- Atlanta - A City Under Siege?
[News-and-Society:Pure-Opinion] The Atlanta metro area suffered a siege led by a guy named Sherman back in the mid-'60s. That's 1860s. This time the "siege" is a massive new crime wave. Back then, the criminals all wore blue uniforms. Today, you're more likely to see criminals in oversized T-shirts, pants down below their butt crack, and baseball caps on askew.
- Life Insurance Needs Analysis - Right Ways and Wrong Ways
[Insurance:Life-Annuities] There is a right way and a wrong way to calculate how much life insurance you need. First, let's look at the wrong way.
- The Tailgate Party and Liability
[Recreation-and-Sports:Football] We're only a few weeks away from the fall football season. Millions of rabid football fans will throw food and beverages into their favorite vehicle and head for the football stadium parking lots. When they arrive, the barbecue grills will come out, tables and chairs will be set up, team flags and banners will go up, and the ice chests will be filled with great beverages.
- Life Insurance - Learn From an Old Agent
[Insurance:Life-Annuities] Life Insurance is an insurance product that pays at the death of the insured. It really should be called "Death Insurance," but people don't like that name. But it insures the death of an individual. Actually, what is insured is the economic loss that would occur at the death of the person insured.
- Motorcycle Insurance - What to Look For in a Motorcycle Insurance Policy
[Automotive:Motorcycles] Motorcycle insurance is essential for the motorcycle enthusiast. Are you a person that dreams of sun-drenched afternoons cruising on mountain roads or along the coastline? Can you close your eyes and see dirt bike trails through forests of pine trees or up and down steep hills?
- Insurance Quotes - Does Shopping For Insurance Affect Your Credit Score?
[Insurance] Insurance quotes and insurance company underwriting have recently added a new factor for evaluating new customers. Now, insurers will check your credit scores.
- Boating Safety - Ten Tips to Increase Boating Safety
[Recreation-and-Sports:Boating] Boat safety is essential for the boating enthusiast. Here are ten tips to help you be a safe boat operator.
- "Big Rig" Insurance - What to Look For in a Commercial Truck Insurance Policy
[Insurance:Commercial] "Big Rig" insurance is essential for the independent owner/operator. In today's highly competitive commercial trucking industry, an owner/operator has to be a shrewd businessman, and get the best insurance for the lowest premium.
- Let Me Be King For Just One Year
[News-and-Society:Pure-Opinion] Let's face it, my friends. The Federal Government in its present form is irretrievably broken. No tinkering, no new President, no new laws will fix the Federal Government of the United States of America. If the USA wants to avoid mass state secessions, a radical change must be embraced. We need to go in a new direction. Actually, to be more accurate, in an old direction. Absolute Monarchy.
- Movie Review of "The International"
[Arts-and-Entertainment:Movies-TV] All in all, I enjoyed this action adventure film. One does not have to suspend belief and reality to enjoy this movie. I recommend it.
- State Secession - Could a State Survive As a Nation?
[News-and-Society:Pure-Opinion] So, in light of the horrible mess that the United States federal government has become, it is nearly impossible to find a compelling reason why any state should continue as one of the fifty United States. A seceding state could hardly do worse.
- Marine Surveys - Necessary Inspections For Classic Boats
[Insurance:Watercraft] Owners of classic and collector boats know that time, water and rot can wreak havoc on an old hull. Owners also know that they want the best insurance coverage on their precious boats. So when it's time to buy Classic Boat or Collector Boat Insurance, owners need to be ready to obtain a Marine Survey of their craft.
- Sports Car Insurance - What to Look For in Sports Car Insurance
[Insurance:Car-Auto] Generally, if it looks like a sports car, handles like a sports car and accelerates like a sports car, it will be classified as a sports car by the insurance companies. Every insurance company rates and classifies sports cars differently.
- Collector Boat Insurance - What to Look For in Classic Boat Insurance
[Insurance:Watercraft] Collector Boats are usually wood hull boats, over 25 years old, that are meticulously maintained, hand built or restored. However, fiberglass or concrete hulls also qualify. Power boats as well as sailboats can be classic boats. Also, new, "one-off" custom built boats can qualify as a classic boat.
- Vacant Home Insurance - What to Look For in Vacant Home Insurance
[Insurance:Home-Owners-Renters] Vacant home insurance is a specialty policy designed to cover a dwelling not occupied by the owner or any other person. Vacant homes that are eligible for coverage usually include:
- Collectible Auto Insurance - What to Look For in Collectible Auto Insurance
[Insurance:Car-Auto] What is a Collectible Auto? A collectible auto is a vehicle used mainly for exhibitions, parades, car clubs and other hobby interests. You don't drive a collectible car every day or even every week. Some examples of collectible autos are:
- Selling Gold - Don't Get Ripped Off
[Investing] Selling gold, like your old rings and necklaces, looks enticing these days. When you see the advertisements on TV and the Internet for gold buyers, all telling you that you'll get top dollar for your junk gold, remember that you are trading a precious metal for inflation-ravaged US dollars. All things being equal, you'd be better to hold onto your old junk gold. The prices for gold are going to skyrocket in the coming months and years. Don't be surprised to see spot prices for gold above $5,000 within the next three years.
- Honduras Coup D'etat - Was it Right Or Wrong?
[News-and-Society:Pure-Opinion] On Sunday, June 28, 2009, Honduran President Manual Zelaya was awakened from his bed by the sound of gunshots and the yelling of his guards. About 20 minutes later, Army soldiers took Zelaya from the palace to a waiting plane. He was flown against his will to San Jose, Costa Rica, where he now lives in exile.
- Expatriation - Top Ten Destinations For the Wealthy to Reside
[News-and-Society:Pure-Opinion] Expatriation is a hot topic here in America. People with assets watch aghast as their assets lose value while the Federal Government steamrolls American banks, investment companies and insurers. And it's not just "the wealthy" that are scared of the future. Middle class people who were planning to retire soon have realized dramatic losses in their pensions and 401K funds.
- Snowmobile Insurance - What to Look For in a Snowmobile Insurance Policy
[Insurance] No matter what your motivation is for owning and operating a snowmobile, you will need snowmobile insurance. But all snowmobile insurance policies are not the same. Here are some features and coverages you should look for when shopping for snowmobile insurance.
- Off-Road Vehicle Safety - Ten Tips to Increase Safety
[Automotive:ATV] Off-road vehicles can be motorcycles, ATVs, dune buggies, go-karts, mini-bikes, even Jeeps and other trucks. Riding an off-road vehicle can be a blast. But riding carries its own dangers. Here are ten tips to help you be a safer ORV operator.
- Bread and Circuses - America's Insatiable Desire For Socialism
[News-and-Society:Pure-Opinion] I always used to think that America was being misused and abused by Washington. I have changed my thinking about that. I believe that Washington is simply giving America what it wants.
- National Universal Health Care - Could it Work in the USA?
[News-and-Society:Pure-Opinion] The United States is the only nation in the industrialized world without a universal health care system. The oldest universal health care system is in Germany, which had its inception in 1883 under Chancellor Otto von Bismarck.
- Automobile Accidents - Four Tips to Avoid Car Versus 18-Wheeler Accidents
[Automotive] Automobile Accidents between cars and big trucks favor the trucks. It's just a matter of physics, really. Cars weigh 2-3 tons. Tractor-trailers have a weight limit of 80,000 pounds, which is 40 tons. An 80,000 pound truck, traveling at 55 miles per hour, generates 1 million foot-pounds of forward energy. Getting hit by a moving object that weighs 20 times as much as your vehicle is a recipe for death and destruction.
- Slip and Fall Accidents - What Should You Do When You Slip and Fall?
[Legal:Personal-Injury] Slip and fall accidents happen much more often that you might think. Today's article will deal with what happens to individuals when they slip and fall, and what you should do if you are a victim.
- Summer Parties - How to Avoid Lawsuits
[Home-and-Family:Parties] Summer Parties, Graduation Parties, Pool Parties, Cookouts, July 4th bashes, and Labor Day Parties are all good reasons to gather friends and families at your home and have fun. But behind the fun lurks the possibility of guest injuries that could ruin the party and ruin your finances.
- Swimming Pool Safety - Have A Fun and Safe Back Yard Pool
[Insurance:Home-Owners-Renters] The Consumer Product Safety Commission states that each year, over 300 American children under age 5 drown in swimming pools and spas. 2,000 more have near-drowning incidents. Additionally, hundreds more over age 5 drown each year. Don't allow your home to be the location of a drowning. Take the following precautions to prevent a tragedy.
- Insurance Quotes - Save Hundreds of Dollars, Prevent Financial Disaster
[Insurance] In today's economy millions of people have lost their jobs. Millions more will lose jobs as the economy worsens. Millions of unemployed persons have stopped looking for new jobs, which skews the national unemployment figures, and makes the unemployment rate appear smaller than it actually is.
- Directors and Officers Liability - Bleak Days For Directors and Officers
[Insurance] These are bleak days for corporate directors and officers. Why would anyone choose to be a corporate director in this sort of business and regulatory climate?
- State Secession - The Redress of Grievances
[News-and-Society:Pure-Opinion] Secession is much in the thoughts and on the lips of many Americans today. We all witnessed "tea parties" on April 15th across the nation as people expressed their disgust with government and confiscatory taxation. On that day, Texas Governor Rick Perry actually made comments in favor of Texas secession. He was widely derided by the national media.
- Property Damage Attorneys - How to Choose the Right PD Attorney
[Legal] Property Damage Attorneys are lawyers that assist policyholders in their property claims. Customarily, they are not Personal Injury attorneys, who represent policyholders and claimants who are seeking recovery from damages or injury. In my hot-selling book, "Insurance Claim Secrets REVEALED!" I have a chapter entitled "Should I Get A Lawyer?" I recommend that anyone who is preparing a claim should consult an attorney.
- Restoration Contractors - How to Choose the Right Restoration Contractor
[Home-Improvement:Remodeling] Restoration Contractors are specialists in the repair of buildings damaged by perils such as fire, windstorm, flood, water damage, hurricane and tornadoes. They are also specialists in the repair and cleaning of personal property from homes and businesses.
- Body Shops - How to Choose the Right Body Shop
[Automotive:Repairs] Automotive Body Shops are everywhere. Most auto dealers have one, as well as most commercial vehicle dealers. Then there are the shade-tree body shop guys that repair cars in their garages in their spare time. Finally, you'll find many independent body shops sprinkled throughout your area. So, how does a person who is not an expert in automobile repairs determine what body shop to choose?
- Personal Injury Attorneys - How to Choose the Right Personal Injury Attorney
[Legal:Personal-Injury] In any incident in which you have been injured due to the negligence of any other person or entity, I recommend that you consult with a Personal Injury attorney. I further recommend that you consult the attorney before you notify your own insurance company of your loss.
- Claims Adjusters - How to Interview and Evaluate a Claims Adjuster
[Insurance] Claims adjusters are no different than any other group of people. Some are trainees, some have limited experience and training, and some have lots of experience and training. But how will you know what kind of adjuster you will be assigned when you have an insurance claim?
- Public Adjusters - How to Choose the Right Public Adjuster
[Insurance] Public Adjusters (PAs) are licensed claims adjusting professionals that represent the policyholder in the calculation, preparation and submission of a claim. They do not work for the insurance company. They work for YOU, the person or business who suffered the loss.
- Forensic Accountants - How to Choose the Right Forensic Accountant
[Insurance] You may be a business that has suffered a disaster or significant insured loss. In these types of losses, business owners typically have Business Interruption and Extra Expense coverage in their Business Owners Policy. This covers the loss of income and extra expense incurred by the business when their business operations are interrupted by a covered loss.
- Department of Insurance Complaints - How to File a DOI Complaint
[Insurance] State Departments of Insurance report that dissatisfaction with claim settlements is the top reason consumers file complaints with them. Sometimes it is the fault of the insurer, and sometimes it is the policyholders' fault for not having the right coverage. Today, I'm going to walk you through the process of filing an insurance claim complaint.
- Property Insurance Claims - Take Photos
[Insurance:Personal-Property] I just handled a burglary loss for a very nice woman in Atlanta. She decided to go to the market at about 8:30 pm on a Wednesday evening in late May. She began to drive toward the market and noticed four teenage boys standing in a park very near her home. She hesitated for a moment, then continued to the market.
- Dog Bite Attacks - Six Warning Signs of a Dog Attack
[Pets:Dogs] But what if you don't own a dog? You must know the common sense issues about dogs and how they behave. That is crucial whether you own a dog or not.
- Restoration Contractors - Liability Issues That Can Affect YOU!
[Insurance:Commercial] If you are the victim of an insured loss, such as a fire, flood, tornado or hurricane, you will likely have to hire a restoration contractor to complete repairs on your home. However, here is an issue that most property owners never consider... until it's too late. That issue is the liability insurance of the restoration contractor. No matter if you are the owner of residential or commercial property, you could have major liability issues in the process of the restoration.
- Secession - Is There Any State That Could Successfully Secede?
[News-and-Society:Pure-Opinion] The more I look at the realities of state government here at the end of the first decade of the 21st Century, I am beginning to seriously question whether any current state of the Union has what it takes to even seriously consider secession, much less actually complete a formal secession from the Union. I've recently offered the opinion that any person who loves and desires liberty has but two choices.
- Secession and Desertion - One Spawns the Other
[News-and-Society:Pure-Opinion] There may be a dynamic built into this scenario that will benefit the secessionists and hasten the collapse of the Federal Government in Mordor...or more commonly referred to as Washington, DC.
- Personal Property Claims - The "Gotcha" in Every Property Policy
[Insurance:Personal-Property] Personal property claims can be some of the most frustrating claims in the insurance claims process. The deck is stacked against you if you have any kind of insurance policy that insures your personal property. This is true for property owned by homeowners and renters as well as the personal property owned by businesses and other commercial entities.
- Automobile Blind Zones - Checking Your Mirrors is Not Enough
[Automotive] Every month or so, I see a story on the Atlanta area news in which a driver backs up and runs over a child. Usually, the child is killed.
- Hurricane Preparedness - Prune Your Losses
[Reference-and-Education:Survival-and-Emergency] Hurricane preparedness goes beyond making sure your insurance policies are up to date. There are some practical things you can do around your property, whether home or business, that can lower the risk of storm damage.
- Electrical Fires - 10 Ways to Prevent Electrical Fires at Home
[Home-Improvement:Security] Electricity is like water. You'd have a hard time living without it, but it can also kill you if you abuse it. So, here are 10 tips on how to prevent electrical fires, prevent insurance claims, and save lives.
- Expatriation Thoughts - Should I Stay Or Should I Go?
[News-and-Society:Pure-Opinion] Americans have been seriously considering expatriation since the events of September 11, 2001. That date and its events seem to be a turning point for repression here in the USA.
- Hurricane Season 2009 - Seven Tips to Be Ready
[Reference-and-Education:Survival-and-Emergency] Today marks the beginning of the Atlantic hurricane season, and early predictions by NOAA suggest that this will be an average season with as many as four to seven hurricanes. The National Hurricane Center says there is a 70 percent chance of having 9 to 14 named storms, of which 4 to 7 could become hurricanes, including one to three major hurricanes (Category 3, 4 or 5). Hurricane season runs from June 1st through November. Tropical systems all get names, and the first one will be named "Ana" when it reaches sustained winds of at least 39 mph.
- Judge Sonia Sotomayor - The Real Case Against Confirmation
[News-and-Society:Pure-Opinion] I can state with certainty that no President, regardless of political party affiliation, is going to nominate a strict Constitutionalist for the Supreme Court. And the theater of the absurd will continue until the Federal Government of the United States will collapse under its own weight.
- Restoration Contractor Strategies - Getting the Best Value in Your Claim
[Insurance] I've written before about how to hire restoration contractors, and things to watch for. Now, here are a few tips on how to get the best prices for the restoration work you need to have completed.
- Homosexual Marriage - Don't You Want to Be Free?
[News-and-Society:Pure-Opinion] If homosexuals would stop thinking about being slaves of the State, they could actually become leaders to the rest of the population. They could enter into their own legal relationship agreements, and completely forsake the blessing of the State. Tell the bureaucrats to stay out of their relationships, as well as their bedrooms.
- The Illusion of Liberty
[News-and-Society:Pure-Opinion] The illusion of liberty is the oil that makes the gears of American politics mesh. Without this grand illusion, citizens might actually wrest government control away from the political criminal class and demand Constitutional governance.
- Home Security - Are Your Home's Doors Break-in Proof?
[Home-Improvement:Security] Most people use deadbolt locks and their first line of defense. Nothing wrong with that. I've never seen a deadbolt lock fail. The deadbolt is not the weakest link in the chain when it comes to securing an exterior door. The weak link is the door jamb.
- The Torture Debate - Government's Sleight of Hand?
[News-and-Society:Pure-Opinion] The torture debate may be a classic example of the old magician's "sleight of hand" routine. Watch what I'm doing over here in my right hand, while the actual trick is happening in my left. Osama Bin Laden clearly stated the reason for Muslim hatred was the American presence in Muslim nations.
- Oath Keepers - The Sentries on the Wall
[News-and-Society:Politics] Oath Keepers is a non-partisan association of currently serving military, veterans, and peace officers who will fulfill their sworn oath to "support and defend the Constitution against all enemies, foreign and domestic, so help me God." I recently learned about Stewart Rhodes, a Yale-educated lawyer. Stewart served on the staff of Texas Congressman Ron Paul until after the 2008 elections.
- Memorial Day 2009 - How About a New Meaning?
[News-and-Society:Pure-Opinion] I am not diminishing the dead's courage, bravery, sacrifice or valor. I do not minimize their love of country, love of liberty and sense of duty. What I am saying is that the reasons that they died do not stand scrutiny. The reasons they were deployed outside our shores were illegitimate and founded in lies. The reasons for all military action, save the defensive actions of the Confederate States of America, were in fact illegal, immoral and unlawful. They were deceived into military service, where politicians used their feelings of patriotism and trust as weapons against them, and their bodies as cannon fodder.
- Vacation Security - Think Like a Burglar and a Risk Manager
[Travel-and-Leisure:Destination-Tips] Vacation security is commonly the last thing on the minds of vacationers. But that lack of focus can make for a sour experience when they arrive home.
- Travel Security - Proper Planning Prevents Travel Nightmares
[Travel-and-Leisure] Travel security is a topic that needs some discussion. I talked about Vacation Security in my last article, which dealt with leaving your home secure when you go on vacation. Today, let's discuss the security issues you need to deal with while you're traveling.
- Medical Tourism - Could Medical Tourism Save Your Life?
[Insurance:Health] A growing number of people worldwide are seriously considering a new phenomenon called "Medical Tourism" as an answer to high cost and/or unavailable health care. Others who have already used medical tourism are praising it as a terrific solution to an ongoing problem. If you don't live in the US, you may still have some interest in medical tourism-perhaps your health care provider doesn't cover a procedure you want, or maybe the wait for the procedure is too long.
- America's Two-Party Political System - A Two-Headed Snake
[News-and-Society:Pure-Opinion] Politics is defined by negotiation and compromise. American politics is comprised of a political party system. Republican, Democrat, Libertarian, Green, Communist, Constitution are all names for political parties in America. The two biggest parties, the Republican and Democrat, ignore the others for the most part, as the other parties have little power...
- Auto Insurance - Is "Pay-As-You-Drive" the Next Big Thing?
[Insurance:Car-Auto] "Pay-As-You-Drive" (PAYD) is the concept of linking the amount you pay for auto insurance to the number of miles you drive each year. The more you drive, the more you pay. The less you drive, the less you would pay.
- America's "Tea Parties" - Fantastic Or Futile?
[News-and-Society:Pure-Opinion] During the week of April 15th, in over 800 cities across America, hundreds of thousands of people gathered to give voice to their opposition to out-of-control spending at all levels of government. These protests sprung from a true "grassroots" movement, as people from all walks of life met at state capitols, city squares, parks and street corners to protest intrusive government. Now, it's been about ten days since the events. I've had opportunity to watch, read and think about the events and their meaning.
- Health Insurance - Top Five Strategies to Lower Your Medical Bills by Thousands
[Insurance:Health] It's a typical health insurance scenario. You or a family member has some medical procedure done. It usually involves a hospital stay. Within a few days or weeks, all of the bills come to you from the doctors, the hospital, the anesthesiologist, the labs, the radiology department, the surgeon...everyone who had a part of your health care event. But what if some medical procedures are denied? What if some are underpaid? How do you challenge the determinations of the insurance company examiners? Find out here.
- Texas Windstorm Insurance - Insanity in the Texas Legislature
[Insurance:Home-Owners-Renters] Representative John Smithee, (R) Amarillo, has introduced HB911, which would, if passed and signed by the governor, cause the price of windstorm insurance - required of all coastal property owners - to soar by as much as 60 percent. Additionally, it wouldn't cover nearly as much and for certain properties, it would not be available at all.
- Universal Health Insurance - Another Reason it Won't Work
[News-and-Society:Pure-Opinion] President Obama has a single-payer government health care system as one of his highest priorities in his administration. And with the burgeoning number of Americans without health insurance, the Obama administration will have the political cover to get universal health care enacted in America. But there is a complication in the system that won't go away.
- Vehicle Breakdown Coverage - Europeans Have the Advantage
[Insurance:Car-Auto] You're all familiar with insurance policies on your auto or commercial vehicle. Those policies exclude mechanical breakdown. You're all familiar with Road Service memberships, or Towing and Car Rental Endorsements that you place on your auto policies. Well, European insurers have bridged the gap between those coverages with a product called "Breakdown Cover." Breakdown Cover is a full Europe-wide rescue and recovery service for both breakdown and accident.
- The American Economy - It's the Family, Stupid
[News-and-Society:Pure-Opinion] In order for us to understand where we are going, we must understand where we've been. Ideas have consequences. Actions based upon those ideas have even greater consequences. This article is an effort to show how our present economic crises have their foundations not just in the government, but also in the structure of the American family.
- Cuba - It's Time to Give Cuba Some Love
[News-and-Society:Pure-Opinion] Cuba is the red-haired stepchild of the Caribbean. It's been locked in the closet under the stairs for nearly 50 years. Let it out. I'm just messing with you. I'll restate that differently. Cuba, the island nation of over 11 million people just off our Florida Keys, is long overdue to be treated with respect by the United States Federal Government.
- Health Care Costs - Patient Advocates Can Save You Thousands
[Insurance:Health] Think for a moment how ridiculous the system is for providing medical services. You go to your medical provider for a visit. No one gives you a price list of services. You are not told how much ANYTHING costs while you're being treated. Usually you find out the cost of your medical services when they present the bill to you. Would you agree to buy groceries like that? Would you get your car repaired with that kind of billing arrangement? Of course not! You wouldn't even bury your dead cat without knowing what it would cost! But, in medical services, ignorance about billing is the accepted method among most consumers.
- Insurance Claims - Hire The Right Restoration Contractor
[Insurance] A restoration contractor is very different than a general contractor. Most general contractors who do remodeling or new construction do not have the skills and knowledge that a restoration contractor has.
- Chinese Drywall - Are Your Building Damages and Health Symptoms Covered?
[Insurance:Health] During the recent housing boom of the early 2000s, the Chinese imported over 250,000 tons of drywall to America. Chinese drywall was abundant and cheaper than American drywall, and builders willingly used it in residential and commercial construction. Experts estimate the Chinese product was used in over 100,000 homes and businesses in America.
- Health Insurance With a Warranty?
[Insurance:Health] The health insurance system in America is terminally ill. Americans have the highest health care costs on the planet. You'd think that expenditures like that would result in the healthiest population on the planet. That is not the case.
- The Absence of Outrage
[News-and-Society:Pure-Opinion] The machinations of the Federal Government of the United States remind me of the old story of the frog and the scorpion. The frog and the scorpion met at the edge of a creek. Both needed to cross to the other side.
- Workers Compensation Insurance - Is the System Stacked Against Workers?
[Insurance:Workers-Compensation] Workers Comp is a very flawed system in every state of the United States. It began with the lofty intentions of politicians in each state who enacted laws to protect injured workers and get them medical benefits and treatment for their injuries. But, like most laws enacted by politicians, there are unintended consequences. Further, business lobbies, insurance companies, trial lawyers and medical lobbyists contribute huge amounts of money to the politicians at both state and Federal levels. Injured workers are individuals for the most part, and don't have lobbyists.
- Insurance Claims - You Must Spend Money to Collect Money
[Insurance] Insurance claims are getting more and more complicated. Insurance companies are on a mission to increase their profits. That may mean that your insurance company will deny claims, delay claims and defend claims to beef up their bottom line. How can you fight back?
- Insurance Appraisers - Property Appraisals and Estimates
[Insurance:Personal-Property] In this article, we're going to look at how the value of a property claim is determined. This could relate to your real estate property or your personal property, such as your automobile or the contents of your home.
- America's Health Insurers - Bullies Meet a Bigger Bully
[Insurance:Health] Think about the depression that we're entering in America. Millions of people are losing their jobs, and thousands of companies are either laying off workers, closing their doors or dropping employee benefits. Many of those now-unemployed people are also losing their health insurance. There are presently about 48 million uninsured people in the US. This gives Congress the political cover to do what they've wanted to do since the Clintons were in the White House...nationalize health care.
- Retirement Investments - Get Out Now, Get Into Cash, Gold and Silver
[Investing:Retirement-Planning] The US Federal Government is in its death throes. It is thrashing around, writhing on the floor, like a person suffering a grand mal seizure. The Obama Administration, The Federal Reserve and Congress are completely clueless on the methods necessary to bring America back from the financial precipice. Would you like some examples?
- Jon Stewart's Daily Show - Stewart Eviscerates Jim Cramer Live
[News-and-Society:Pure-Opinion] Jim Cramer, a CNBC commentator and host of the show "Mad Money," appeared as a guest on "The Daily Show with Jon Stewart" Thursday, March 12, 2009. This appearance capped a two-week feud between Stewart and CNBC, in which Stewart showed video clip after video clip of the inept financial reporting done by that network.
- Petty Annoyances - Random Things That Annoy Me, Part 2
[News-and-Society:Pure-Opinion] Here are some more Petty Annoyances that tighten my colon. Loud TV Commercials - ever notice that when TV commercials come on, the volume coming from the broadcaster is way louder than the program you were watching? I hate to have the TV shouting at me, so I usually just hit the "mute" button as soon as a commercial comes on.
- Insurance Appraisal Clause - Resolving an Impasse in Your Claim
[Insurance] What if, after all you've done, you and your adjuster/insurance company are at an impasse on the value of your property? It's now time to invoke the Appraisal Clause in your insurance policy.
- War in Afghanistan - Now It's Obama's War
[News-and-Society:Pure-Opinion] Barack Obama promised "change" in his presidency. Unfortunately for the citizens of the United States, about the only thing that has changed is the face of the guy who is now occupying the Oval Office for the next four years.
- Employment Practices Liability - Is Your Business at Risk For a Lawsuit?
[Insurance] Are you, the business owner, more likely to be sued by an outsider or by an employee? The answer in most cases by a significant and growing margin...is an employee.
- How Do You Divorce Your Government?
[News-and-Society:Pure-Opinion] Our marriage started out great. There we were...she and me against the world. We got busy and created a marriage that the whole world envied. Bunches of people tried to emulate our happiness. Our happy marriage lasted for years.
- Federal Stimulus Package - Creating Jobs Will Not Fix the Economy
[News-and-Society:Pure-Opinion] President Obama continues to prove to enlightened observers that he knows almost nothing about economics. So far, if there are two choices from which to choose, he and his Administration choose the one that causes the most destruction for America.
- Another Insurance Company Scam - Denying Payment on Deaths From Fire
[Insurance] In March 2007, a disgruntled nurse set fire to a six-story atrium office building in Houston, Texas. The building suffered extensive damage, and three people died from smoke inhalation.
- The "Contents Depreciation" Trap and How to Escape It
[Insurance:Personal-Property] Do you know how to escape from the trap of incorrect depreciation of your insurance claim? You will when you read and take action on this article.
- Petty Annoyances - Random Things That Annoy Me, Part 1
[News-and-Society:Pure-Opinion] Aren't there some petty annoyances that drive you up the wall? Learn about my annoyances in this article.
- Gun Control and the Well Regulated Militia
[News-and-Society:Politics] Gun control is unlawful. What does the Second Amendment really say? Find out the simple meaning of this amendment in this article.
- Is America a Democracy?
[News-and-Society:Pure-Opinion] If not, what form of government do we have? You'll know when you read this article.
- Winter Insurance Claims - Will You Have Less Insurance Claims in Winter?
[Insurance] Should you expect more insurance claims in winter? You'll find out when you read and act upon this article.
- Office Party - Here Are 13 and a Half Tips to Avoid Lawsuits After a Holiday Office Party
[Business] Do you know how to avoid problems at your holiday office party? You will if you read and act upon this article.
- Holiday Party - Top Ten Tips to Avoid a Lawsuit After a Holiday Party
[Home-and-Family:Holidays] A holiday party can be festive, joyous...and potentially hazardous to your financial health. You want to enjoy the company of family and friends. But, if you're not very careful, you could end up getting sued for what happens at your party...or what happens AFTER your party.
- Homeowners Insurance - The Top Ten Factors That Affect Your Homeowners Insurance Rates
[Insurance:Home-Owners-Renters] Buying homeowners insurance is not easy. The process of buying homeowners insurance can be frustrating, complicated and confusing. Sometimes, it's difficult to accurately compare rates, since coverage isn't usually identical from insurance company to insurance company.
- Car Insurance - The Top Ten Factors That Affect Your Car Insurance Rates
[Insurance:Car-Auto] Do you know the Top Ten factors that insurance companies use to set your car insurance rates? You will know when you read and act on this article.
- The Lowball Estimate Trap and How to Escape It
[Insurance] Do you know how a lowball estimate by your adjuster on your property loss could lower your claim settlement? You will when you read and act on this article.
- The Fast Claim Payment Trap and How to Escape It
[Insurance] Do you know how a fast claim settlement could penalize you? You will if you read and take action on this article.
- The "Contents Holdback" Trap and How to Escape It
[Insurance] Do you know how your insurance company can legally pay you less in your contents claim? Do you know how to fight it? You will when you read and act upon this article.
- The "Trust Your Adjuster" Trap and How You Can Escape It
[Insurance] Can you trust your insurance adjuster to take care of your claim? You will know when you read and act upon this article.
- The "Recorded Statement" Trap and How to Escape It
[Insurance] Do you know what to do when an insurance adjuster asks you to give a recorded statement? You will when you read and act on this article.
- The "Incomplete Contents Inventory" Trap and How to Escape It
[Insurance] Do you know how to get out of the "Incomplete Contents Inventory" trap? You will when you read and take action on this article.
- The "Contents Pack-out" Trap and How to Escape It
[Insurance:Personal-Property] Do you know how to avoid having your personal property repaired or cleaned instead of replacement? You will when you read and take action on this article.
- The Approved Contractor Trap and How to Escape It
[Insurance] Do you know how to escape the "Approved Contractor" trap when you have a property loss? You will when you read and take action on this article.
- The Preferred Body Shop Trap and How to Escape It
[Insurance:Car-Auto] Do you know how to escape the insurance company trap of "preferred body shops?" You will when you read and take action on this article.
- Mortgage Escrow Accounts - Could These Accounts Cause Your Financial Ruin?
[Real-Estate:Mortgage-Refinance] The answer is "YES!" unless you follow my strategies shown below. I learned first hand about mortgage escrow accounts back in 2003-2005 when I was working as a Claims Examiner for a huge insurance company. Their product was Forced-Placed Hazard Insurance, which is a property insurance policy sold to mortgage companies.
- Car Insurance - Five Things to Avoid When Buying Car Insurance
[Insurance:Car-Auto] Buying car insurance can be frustrating, time consuming and confusing. But you can save yourself some time, frustration and confusion if you will avoid these five things when shopping for car insurance.
- Car Insurance - Five Things to Do to When Shopping For Car Insurance
[Insurance:Car-Auto] Shopping for car insurance can be confusing, frustrating and expensive. But you can save hundreds of dollars annually if you'll use the strategies listed below.
- Electronics Insurance - Are Your Electronics and Computers Covered by Your Insurance?
[Insurance] Most people I talk to think that if they have homeowners or renters insurance, their consumer electronics are covered. But they usually find out that their assumptions aren't true...at claims time. Sure, some of the property is covered. But there are a bunch of limits and exclusions that will surprise you if you have a loss and file a claim. Don't wait until claim time to learn about this important coverage. Read this article carefully and make good decisions about your coverage.
- Unfair Claims Practices - Has Your Insurance Company Or Adjuster Handled Your Claim Unlawfully?
[Insurance] Are you happy with the way your insurance claim is being handled? Did you know that there are state regulations that prohibit unfair, discriminatory, or deceptive insurance practices? Learn what you can do to smooth out your claim!
- EIFS - How Synthetic Stucco Can Cause Huge Damage to Homes Across America
[Insurance] If your home has EIFS, known as "synthetic stucco" on its exterior, the chances are overwhelming that you have water damage behind the walls. Read this article to learn how it occurs, and what you can do to protect yourself.
- Is Christianity the Mother of Harlots?
[News-and-Society:Pure-Opinion] Is Christianity sold out to the State? Find out by reading this article.
- Stop Voting!
[News-and-Society:Politics] Should you stop voting? Read this article to find out why you should stop voting!
- Dupes, Chumps and Traitors - The American Military
[News-and-Society:Pure-Opinion] The American Military is filled with dupes, chumps and traitors, from the newest recruits to the Joint Chiefs of Staff in the Pentagon. I watched with some perverse amusement as the various media writhed over the Pat Tillman story. For those not familiar with this story, Mr. Tillman left a promising career in the National Football League to become an Army Ranger deployed in Afghanistan. He was killed in action in Afghanistan back in 2004. After a scandalous investigation, it was determined that he was killed by so-called "friendly fire," which translates into being shot to death by his own fellow soldiers.
- Can One Man Make a Difference?
[News-and-Society:Politics] What if the South had won in the Civil War? Read this article to find out how the entire world could have been drastically different!
- Who Should Be the State's Mortal Enemy?
[News-and-Society:Religion] Not other nations, for sure. Learn the answer in this article.
- What is a CLUE Report and Why Should You Care?
[Real-Estate] The CLUE Report can give a home seller a great competitive advantage. Learn here how to get that advantage for yourself!
- Insurance Claims - Recorded Statements!
[Insurance] Do you think the insurance adjuster is on your side? Don't ever trust an insurance claims adjuster to work on your behalf. His paycheck is paid by the insurance company. He's on their side. Learn what you can do to protect yourself in the claims process, and one big red flag is during recorded statements.
- Insurance Claims - Get an Advance Payment!
[Insurance] Do you need money to begin demolition or cleanup or living expenses or a rental car? You need it now, not months later. Here are the strategies for getting the insurance companies to pay you an advance against future claim payments!
- Insurance Claims - Open a Claim Checking Account
[Insurance] Don't take the chance of getting into trouble with the IRS by the way you handle your insurance settlement. Here's how to keep your records straight!
- Insurance Claims - Start a Document File When You Have an Insurance Claim
[Insurance] Insurance claims regularly have disputed issues. Add hundreds or even thousands more dollars to your claim settlement by keeping great records!!
- Insurance Claims - Mitigate Your Damages When You Have a Claim!
[Insurance] Did you know that your insurance company could deny some of your damages? Find out how in this article!
- Insurance Claims - Notify the Insurance Company!
[Insurance] Did you know that you can place your claim in jeopardy of not getting paid if you do not notify the insurance company the right way? Learn how to do it right and protect yourself!
- Insurance Claims - Contact a Public Adjuster!
[Insurance] Should you consider hiring a Public Adjuster? Your insurance company will shout "NO!" But, why do they hate public adjusters so much? The answer is obvious!
- Home Repair - Hiring an Uninsured Repairman Could Cost You a Fortune!
[Insurance:Home-Owners-Renters] Home repair sometimes requires hiring an expert to come to your home and fix something. But, how can you be sure that your completely protected against liability claims and lawsuits? Learn what to do in this article!
- Insurance For Illegal Immigrants!
[Legal:Immigration] Do you think that illegal immigrants should be able to buy auto insurance? Learn what the insurance industry is doing about the problem!
- Banning Cell Phones and GPS in Vehicles - Could Using Them Cost You a Fortune?
[Automotive] Could driving and talking on your cell phone get you into a lawsuit? Could your GPS unit cost you thousands of dollars? Learn more in this article!
- Insurance Agents - How Does Yours Measure Up?
[Insurance:Agents-Marketers] Insurance agents can be some of the most important people you'll ever do business with. They will help you protect your property, your assets and your finances. The work of an insurance agent has the potential to save you from financial ruin.
- Homeowners Insurance - Your Children May Not Be Covered!
[Insurance:Home-Owners-Renters] Homeowners Insurance is written in confusing terms. You may think you and your family are covered, but do you know for sure? Learn a few coverage secrets in this article!
- Compact Fluorescent Light Bulbs - What Will Your Insurance Policy Pay When You Break a CFL Bulb?
[Insurance:Personal-Property] Compact Fluorescent Light Bulbs are new and terrific, but breaking one can be dangerous. What happens when one gets broken in your home or business? Are you covered?
- Cash Value Life Insurance - Why Cash Value Life Insurance is Death to Your Financial Future
[Insurance:Life-Annuities] Cash value life insurance is the most widely sold life insurance product in the world today. It is also the life insurance product that is WORST for your Finances.
- 14 Tips For Christmas Fire Safety
[Home-and-Family:Holidays] According to the United States Fire Administration (USFA), fires occurring during the holiday season claim the lives of over 400 people each year, injure 1,650 more, and cause over $990 million in damage. By following these tips, you can be sure of a safe and happy holiday.
- Car Insurance Claim Scams - How Rear-End Collisions Can Be Car Insurance Claim Scams
[Insurance:Car-Auto] Car insurance claim scams happen in cities and rural areas. They happen both day and night. They happen in sunshine and rain, at rush hour and on quiet roads. You need to know that there are people out on the roads that are planning and looking for someone just like you to catch in their scams. It's all about filing fraudulent claims and collecting money.
- Christmas Thefts - Are You Protecting Yourself From Christmas Thefts?
[News-and-Society:Crime] Are you aware of the ways that you can prevent Christmas Thefts? You will know when you read and act upon this article.
- Vehicle Theft - Five Tips to Protect Yourself From Vehicle Theft
[News-and-Society:Crime] Do you know how to prevent a vehicle theft or car hijacking? You will when you read and act upon this article.
- Auto Company Bailouts III - Should Congress Agree to Auto Company Bailouts?
[News-and-Society:Pure-Opinion] Should the Federal Government bail out the Big Three automakers? Part III shows you how the bailout destroys our money.
- Top Ten Tips on How to File Your Ice Storm Insurance Claim
[Insurance] A massive ice storm hit New England on the December 12, 2008 weekend, leaving millions of homes and businesses without electrical power. Thousands of homes and vehicles were damaged as ice-laden trees and branches fell.
- Auto Company Bailouts - Part I - Should Congress Agree to Auto Company Bailouts?
[News-and-Society:Pure-Opinion] The Big Three automakers have humiliated themselves by sending their head guys to Washington to beg Congress for financial assistance. And, in their viewpoints, bankruptcy would be a disaster for the entire US economy. So, I guess you have figured out by now that I'm against the bailout.
- Auto Company Bailouts - Part II - Should Congress Agree to Auto Company Bailouts?
[News-and-Society:Pure-Opinion] Should the Federal Government bail out the Big Three automakers? Part II shows what Zombie Economics does to the economy.
- Home Safety - Is Your Home Safe? Take This Simple Quiz
[Home-Improvement:Security] Do you know if your home is safe? Look through the eyes of an insurance adjuster and take this simple quiz.
- Renter's Insurance - Do You Know How High Your Risk Is?
[Insurance:Home-Owners-Renters] Do you know how dangerous it can be to rent an apartment? You will once you read and act upon this article.
- High Cost Home Insurance - The Top Ten Most Expensive States For Homeowners Insurance
[Insurance:Home-Owners-Renters] Do you know which states have the highest homeowners insurance premiums? You will when you read and act upon this article.
- Business Insurance - Four Basic Principles For Those Starting a New Business
[Insurance:Commercial] Do you know how to design your business insurance policy if you are just starting a new business? You will when you read and act upon this article.
- The Insurance Industry's Latest Scam - The Anti-Concurrent Causation Clause
[Insurance] Everyone remember what happened all over the South when Hurricane Katrina hit in 2005? The insurance companies denied thousands of claims because they said that the damages were due to flood, not wind. So, for those who did not have flood insurance, their claims were denied. The insurance companies paid smaller claims for the wind damages.
- What Are Liberals Liberal About?
[News-and-Society:Pure-Opinion] How do you know what a Liberal is? You'll know when you read and act on this article.
- Conservatives Aren't
[News-and-Society:Pure-Opinion] The old adage, "Actions speak louder than words," has never been truer as it relates to the concept and ideal of conservatism. Scores of books have been written about conservatism and liberalism, and more will be written. In my view, they mostly cloud the issues and make the definitions fuzzy at best.
- Ed McMahon and Toxic Mold
[Insurance] I was reminded of Mr. McMahon's mold experience when I read a story about him today in the newspaper. Today's story was that Mr. McMahon took a fall a few years back and fractured his neck. Since then, he has been unable to work, and as a consequence, his home was subject to foreclosure.
- Buy Some Gold and Silver Coins
[Investing] There is one truth about currency issued by nations throughout history: Every currency not based upon precious metals has failed. When I use the term "failed," I mean that the value of the currency decreased over time until it became worthless.
- Uninsured Motorist Coverage - Why Are More Drivers Are Uninsured Today?
[Insurance:Car-Auto] The worsening recession and mounting job losses are causing an unexpected increase in uninsured motorists. Hundreds of thousands of people all over North America are canceling their car insurance or allowing the policies to lapse.
- Pet Insurance - Aetna Rolls Out Pet Insurance
[Insurance:Pet] Aetna, the health insurance giant, may soon be insuring Fluffy the kitty or Fido your pooch. Pets Best Insurance is the new pet insurance company under the Aetna banner. They began underwriting policies last week in six states, and plan to sell in all 50 states before long.
- Overhead and Profit Disputes in Property Claims
[Insurance] If you do not know how to handle overhead and profit (OHP) issues in your insurance claim settlement, you could lose tens of thousands of dollars that you are entitled to collect. Yet, many policyholders find themselves forced to use savings or borrowed money to complete repairs. It should almost never be so.
- Insurance Claim Supplements - How to Submit Claim Supplements
[Insurance:Supplemental] Do you know how to submit insurance claim supplements? You will when you read and act on this article.
- Low Speed, Low Impact Car Wrecks - Ten Things the Adjuster Will Do After a Car Wreck
[Insurance:Car-Auto] Do you know the ten ways the adjuster will try to deny your claim after a low impact accident? You will when you read and act upon this article.
- My Predictions For 2009 - Great Depression II
[News-and-Society:Pure-Opinion] Are you ready for my 2009 predictions? You'll know what to do when you read this article.
- Dog Bite Law - Six Things to Do After Your Dog Bites Someone
[Pets:Dogs] Do you know what to do if your dog bites someone? You will when you read and act on this article.
- Gap Insurance - Four Reasons You Could Benefit From Gap Insurance For Your Car
[Insurance:Car-Auto] Do you know the ways that Gap Insurance can pay you thousands of dollars? You will know when you read and act on this article.
- Recession - It's the Cure, Not the Disease
[News-and-Society:Pure-Opinion] Normal people and businesses know that when they have a shortfall of income, they have to downsize their spending. Villages, cities, counties and states know the same thing. But in the bizarro world of the economist and the American Federal Government, they seem to believe that they are immune from the simplest arithmetic.
- Could the United States Federal Government Collapse?
[News-and-Society:Pure-Opinion] In 1985, the Soviet Union started to collapse. They had a gigantic military budget and were bogged down in a war in Afghanistan. Their economy had become stagnant and had significantly diminished. They had international commerce trade deficits. Unemployment was skyrocketing. Oil prices had plummeted.
- Banks and Bailouts - Here is a Simple Explanation of the Bailouts of 2008
[News-and-Society:Pure-Opinion] Do you understand why the 2008 banking bailouts are bad for America? You will when you read this article.
- US Collapse - Russian Professor Predicts US Disintegration by June 2010
[News-and-Society:Pure-Opinion] Could the US government collapse? You'll find out when you read this article.
- The Grandest Swindle in the History of the World
[News-and-Society:Pure-Opinion] Do you know that there is a giant swindle out there that dwarfs Bernard Madoff's alleged crimes? You will when you read this article.
- Could the Government Own Most Businesses Already?
[News-and-Society:Pure-Opinion] Government entities own trillions of dollars in securities, and the evidence is hidden in plain sight. I saw a nondescript article posted today in the online version of the Atlanta Journal Constitution. Its headline read, "Georgia Teacher's Fund to Lose $525 Million." The article explained how the Georgia State Health Benefit Plan, which covers 690,000 state employees, school teachers, retirees and dependents, was changing its rules and rates to lower the reserves by $525 million. That one move would alleviate some of the state's severe budget shortfall.
- Hailstorms - What If Your Roofing and Siding Doesn't Match?
[Insurance:Home-Owners-Renters] Did you know that your homeowners policy covers mismatched roofing and siding? Find out more when you read this article.
- Liberty Or Utilitarianism - Mutually Exclusive Ethical Systems
[News-and-Society:Pure-Opinion] Do you know why the US Federal Government has grown so huge? You will when you read this article.
- Income Tax - Could Repealing the Income Tax Fix the Economy?
[News-and-Society:Pure-Opinion] President-elect Barack Obama is making the same noises about the economy that George Bush made. He believes that the way to fix the economy is that we should all spend our way out of recession. He believes that the Federal Government must do something to bring the economy back from recession.
- DUI Convictions - Three Hidden Penalties For DUI Convictions
[Legal:Criminal-Law] Did you know that there are three hidden penalties for a DUI conviction? You will learn more when you read and act upon this article.
- World Oil Prices - Who Really Sets World Oil Prices?
[News-and-Society:Pure-Opinion] Do you know who sets world oil prices? You will when you read this article.
- Owner's Manuals - The First Few Pages Tell the Funniest Stories
[News-and-Society:Pure-Opinion] Do you know how funny an owner's manual can be? You will when you read this article.
- Casino Gambling in Georgia - Should Casino Gambling Be Made Legal in Georgia?
[Arts-and-Entertainment:Casino-Gambling] Should Casino Gambling be made legal in the state of Georgia? You will learn the reasons for casinos in this article.
- Nerobama - Fiddling While America Burns
[News-and-Society:Pure-Opinion] Historical fable says that the Roman Emperor Nero played a fiddle while the city of Rome burned. In AD 64, a fire erupted in the southern end of the Circus Maximus section of Rome and burned for five days, destroying a large portion of the city. While we don't know if Nero fiddled, we do know that he chose to blame a new group...Christians...for the fire. Hundreds were executed, and Tacitus wrote that their crucified immolated bodies lit the night sky in the city of Rome.
- Insurance Applications - 6 Ways to Make Sure Your Claim is Not Denied
[Insurance] Did you know that your insurance company could deny your claim because of information in your application? Find out more as you read this article.
- Insurance Claims - Dealing With Adjusters
[Insurance] Do you ever ask a person who's doing work for you about their qualifications? Don't just blindly accept the adjuster that the insurance company sends to your home or business. Here are the strategies to make sure that the adjuster is competent and adjusts your claim CORRECTLY!
- Rental Car Insurance - Should You Buy Rental Car Insurance?
[Insurance:Car-Auto] Everyone who has ever rented a car has felt the confusion of staring at the rental contract and not knowing which insurance to buy. Want to save a bunch of money, and still have the right coverage? This article tells you how.
- Insurance Company Complaints - Who Are the Top 10 Companies With the Least Number of Complaints?
[Insurance:Car-Auto] Do you know which car insurance companies get the fewest and the most complaints at the Department of Insurance? Read this article to find out which companies you should do business with!
- Insurance Regulation - Florida Braces As State Farm Waves Goodbye
[Insurance] Did you know that State Farm Insurance just stopped writing policies in Florida? Learn more as you read this article.
- Home Foreclosures - How to Protect Your Home During Foreclosure
[Real-Estate:Foreclosures] Do you know how to protect your home and your financial future during a foreclosure? You will when you read and act on this article.
- Car Insurance Claims - Does Your Insurer Owe You Sales Tax?
[Insurance:Car-Auto] Does your insurance company owe you sales tax on your totaled vehicle? Find out more as you read this article.
- Insurance For Stupid People - The Top Ten Funniest Coverage Decisions of 2008
[Legal:Personal-Injury] People regularly do stupid things that cause someone else an injury. Then the inevitable lawsuit gets filed, and then an insurance clam gets filed, too. But occasionally, the courts get it right in their decisions, and we get to make fun of the plaintiffs and defendants.
- The Presidential Oath of Office - When is an Oath Not an Oath?
[News-and-Society:Pure-Opinion] Do you know that the Presidential Oath of Office is meaningless? You will when you read this article.
- Insurance Claims Adjusters - Five Secrets of Getting Your Way With Claims Adjusters
[Insurance] Do you know that you can be more successful in your insurance claim with politeness? Learn more as you read this article.
- The 2009 Declaration of Independence
[News-and-Society:Pure-Opinion] Do you think that American states might consider secession from the United States? Find out more when you read this article.
- No Airline Security Solution Could Be Simpler
[News-and-Society:Pure-Opinion] Americans will not control their government, so their government controls them. The airport security and Transportation Safety Administration (TSA) procedures that we all scarcely tolerate are only symptoms of the rampant totalitarianism that has infested our American way of life.
- California Wildfires - Fire Victims Will Lose Tens of Millions Without This Information!
[Insurance] California wildfires are destroying thousands of homes and businesses, and displacing tens of thousands of people from those homes and businesses. Do you know how to file your insurance claim? Do you know how to collect ALL the money you're entitled to collect? Learn how here!
- California Wildfires - What to Do If You're Forced to Evacuate From Your Home Or Business?
[Insurance] Do you know that your insurance policy probably has coverage for your evacuation? The insurance companies will NEVER tell you about this, BUT I WILL!
- California Wildfires - Depreciation and Contents Claims
[Insurance] OK, you've finished your Contents Inventory after a devastating loss. What will the insurance company do to your values? They'll deduct thousands if you don't fight for your claim!
- California Wildfires - Coinsurance in Property Claims Can Penalize YOU!
[Insurance] California wildfires will destroy hundreds of homes and business. But it could get worse. The insurance companies will do everything they can to save money on YOUR CLAIM. If you don't know Co-insurance, you could lose thousands of dollars at claim time. Don't allow the adjuster to cheat you out of your insurance settlement!
- Wildfire, Hurricane Or Tornado Loss? Here's a Top Ten List of How to Submit Your Claim!
[Insurance] California wildfires are destroying thousands of homes and businesses. On March 14, 2008, a tornado swept through downtown Atlanta, causing over $250 million in damages. Hundreds of homes and business were damaged, some were total losses. Most had property insurance. Yet, hardly any of the policyholders have ever read their policy, nor do they have any idea how to submit a claim so they maximize their recovery. This lack of knowledge places the insurance companies at a big advantage.
- California Wildfires - Fire Victims and Contents Claims!
[Insurance] California Wildfires are devastating Santa Barbara County. Thousand of people will file insurance claims for their property destroyed in the fire. But will they get ALL the money they are entitled to collect? Find out by reading this article!
- Daytime Running Lights - Why Should Your Car Have Daytime Running Lights?
[Insurance] Would you like to reduce your chances of having an auto accident by 38%. Learn how Daytime Running Lights could save your life!
- Deer-Vehicle Collisions - Top Seven Ways to Avoid Hitting a Deer
[Automotive] Deer season means deer/vehicle accidents. Hundreds of people die each year when they strike deer while driving. Learn how you can avoid hitting a deer when you're driving!
- Insurance Claims - Don't Be in a Hurry!
[Insurance] What should you do when you have a catastrophe and want to file and insurance claim? I'll show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement!
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