The current down turn in the economy has resulted in massive layoffs across the country. Many people are now looking to seek employment in a company as a temporary employee. If you are currently unemployed, a temporary job may be the solution to meeting financial obligations as well as giving you a competitive edge to finding full-time permanent employment.
When applying for a temporary job, it is important to consider the following points:
- The length of a temporary job can be as little as a week or up to several months. If you are currently employed, you may want to consider the length of a temporary job before you accept employment. If you are currently unemployed, taking a temporary job, no matter what the length, will be of great financial benefit as well as ensuring that there are not any gaps in your resume.
- If you have had a difficult time with a past employer, a temporary job may be just the solution for you. Because an employer knows the job is temporary, there tends to be a more of a friendly and amiable working relationship.
- It can often be difficult finding a temporary job on your own. There are temporary job agencies whose purpose is to match employers with temporary staff. These agencies have the contacts and job postings available. They even provide skill training programs. You should consider checking to see if there is a temporary employment agency in your area.
- With temporary employment, one will not usually have the added benefit of health insurance, vacation pay, sick pay...etc. You may want to consider acquiring your own private health care plan. If you sign up with a temporary employment agency, ask their advice about acquiring health insurance.
- Temporary jobs can provide you with a variety of new skills while keeping you out of the unemployment arena. You will acquire a vast range of skills and work experiences which potential full-time employers will find impressive.
- When seeking temporary employment, make sure that you are flexible and open-minded. Although it may seem like you getting a pay cut compared to a previous job, you have to remember that there are many people out there in your situation. Look at the positive side of the situation. You are working and bringing in income while searching for a full-time permanent job.
- Focus on the company you will be working for temporarily. Learn as much as you can and acquire new skills where possible. Show the company that although you may be a temporary employee, you are a valuable asset who is willing to work hard and learn. You may make a great impression which could possibly result in a full-time employment offer.
When employment circumstances are grim, temporary work can bring much needed stress and financial relief. Temporary work lets employers know that you are employable, a hard worker, and willing to take on new tasks. In many companies, it is often easier to get hired internally rather than applying from the outside. With a positive attitude and keeping your resume up-to-date, it may not be long before you find yourself with a permanent full-time job.
วันจันทร์ที่ 31 สิงหาคม พ.ศ. 2552
วันอังคารที่ 25 สิงหาคม พ.ศ. 2552
A Guide for Property & Real Estate Investment in Turkey and Cyprus by Michiel Van Kets
If you are considering investing in property overseas there are a few things you should always check out beforehand. Every country has its own laws and regulations in regard to foreigners buying property and it is worth looking into these details before settling on any particular country. However if you have set your heart on buying property in Cyprus or Turkey or somewhere similar you have spent the past 5 years visiting, then take care to hire a reputable lawyer who is experienced in foreign real estate. Buying a second home is an expensive decision to make so be clear as to why you want to buy rather than rent. Everyone has their own reasons, whether you plan to use it for your retirement, use it as an investment to protect your children's future, or you want a holiday home to take the family every year, consider renting a property long-term and weigh up the pros and cons of each. You should always do your research before buying any property. It is not advisable to buy a property without taking a look at it first, visit the country and check out the different areas to get a feel for the place. If you are intending to rent the property then you need to take note of the transport links and facilities in relation to the location of the property. If it is to be your retirement home check what facilities are nearby to keep you busy. Finding a good property agent to help you search for a property can be difficult, especially if it is an overseas agent and you don't know anything about them or their reputation. Check out reliable and established agents online, ask around and see if friends can give a recommendation before making your choice. It is worth getting a survey done on the property you are intending to buy. This might not be necessary legally, but it will put your mind at ease that there is no serious structural damage to the property that could cost you a lot of expense in the future. Ensure you employ the services of a lawyer who is knowledgeable and has experience dealing in the country you are intending to buy your second home in. To invest in a property in Cyprus might differ widely from buying a property in another foreign country. A lawyer should be aware of the legal issues and be clear as to what their fees include. Your lawyer should also be able to advice you about taxes to be paid and how to pay them to avoid penalties for late payments. You will need insurance if you are planning to buy a property abroad. There are different types of insurance, buy-to-let will cover for damage incurred by tenants or if they don't pay the rent, holiday home insurance will protect the property if it will be left empty for long periods. Always let the insurance company know exactly what purpose the property will be for otherwise your insurance will be void. Cyprus and Turkey are ideal locations for overseas investment or as a place to retire. Although prices are increasing each year there are properties that can still be found near to the coast at affordable prices. Both destinations are easy to reach with a number of airlines offering inexpensive fares from the UK and Europe and flight times only 2/3 hours. If you are considering buying a property overseas always do your research before handing any money over and make sure to visit the country and meet some of the locals. Employing the services of a highly regarded and honest real estate agent with know-how in investment properties in the country is vital.
Naming Minors As Beneficiaries of Life Insurance? Think Again! by Robert Mansour, Esq.
Life Insurance and Minors
Naming minor children as beneficiaries of life insurance policies.
Many people don't give too much thought when choosing someone to be the beneficiary of a life insurance policy. Most people name their spouse as their primary beneficiary. Then, when it comes to contingent beneficiaries, many people either don't list anyone at all, or in some cases, they list their minor children as the beneficiaries. It all seems so simple and straight-forward.
One of the biggest mistakes you can make is naming a minor as beneficiary. At first, it seems like a great idea. After all, you want your kids to get the insurance money...don't you? However, what you may not realize is that doing so can create legal and practical problems. For example, I have a $1 million life insurance policy. However, my son is 11 years old, and my daughter is 9 years old. If my wife and I pass away in a common accident, do you really think our life insurance company is going to write a check out to my kids? Even if the insurance company would write checks to minors, do I really want my kids getting $500,000 each at such a young age with no strings attached?
So what is going to happen? The life insurance company will typically offer two choices. First, the child can wait till he/she is 18 years of age (believe it or not, that is considered adulthood) and then get a check for the full amount. Getting large amounts of money at such young ages can easily lead to a squandering of those assets. Even if your child is "responsible," he or she may be subjected to pressures from their peers. Think about it. Do you want your kids getting such large sums of money at such a young age? Second, they will insist guardians be appointed which is expensive and time consuming. They still get their money at 18 years of age.
If you have minors as beneficiaries of your life insurance policies, complications are bound to arise. Usually, getting a life insurance policy is supposed to provide your surviving loved ones with financial security and peace of mind. However, if you don't give much thought to the beneficiary designations, you may be creating more problems than you have solved.
To help solve this problem, a living trust can be set up to receive the life insurance proceeds. In other words, your living trust becomes the beneficiary of your life insurance policy. You must however fill out the applicable beneficiary forms with your insurance company. It doesn't happen automatically. Even if you have a living trust, the beneficiary form trumps.
By naming your trust as the beneficiary, no one has to go to court, and the proceeds can be paid out much quicker, thereby making the money available to the family without delay. The advantage is that you establish the trust, you select the trustees, and you outline the terms under which assets can be used and distributed from the trust. This solution often works in the best interests of the minor children and those of other dependents, such as a surviving spouse. Therefore, by doing so, you've obviated the need for court intervention, and the money can be managed responsibly for your children.
Naming minor children as beneficiaries of life insurance policies.
Many people don't give too much thought when choosing someone to be the beneficiary of a life insurance policy. Most people name their spouse as their primary beneficiary. Then, when it comes to contingent beneficiaries, many people either don't list anyone at all, or in some cases, they list their minor children as the beneficiaries. It all seems so simple and straight-forward.
One of the biggest mistakes you can make is naming a minor as beneficiary. At first, it seems like a great idea. After all, you want your kids to get the insurance money...don't you? However, what you may not realize is that doing so can create legal and practical problems. For example, I have a $1 million life insurance policy. However, my son is 11 years old, and my daughter is 9 years old. If my wife and I pass away in a common accident, do you really think our life insurance company is going to write a check out to my kids? Even if the insurance company would write checks to minors, do I really want my kids getting $500,000 each at such a young age with no strings attached?
So what is going to happen? The life insurance company will typically offer two choices. First, the child can wait till he/she is 18 years of age (believe it or not, that is considered adulthood) and then get a check for the full amount. Getting large amounts of money at such young ages can easily lead to a squandering of those assets. Even if your child is "responsible," he or she may be subjected to pressures from their peers. Think about it. Do you want your kids getting such large sums of money at such a young age? Second, they will insist guardians be appointed which is expensive and time consuming. They still get their money at 18 years of age.
If you have minors as beneficiaries of your life insurance policies, complications are bound to arise. Usually, getting a life insurance policy is supposed to provide your surviving loved ones with financial security and peace of mind. However, if you don't give much thought to the beneficiary designations, you may be creating more problems than you have solved.
To help solve this problem, a living trust can be set up to receive the life insurance proceeds. In other words, your living trust becomes the beneficiary of your life insurance policy. You must however fill out the applicable beneficiary forms with your insurance company. It doesn't happen automatically. Even if you have a living trust, the beneficiary form trumps.
By naming your trust as the beneficiary, no one has to go to court, and the proceeds can be paid out much quicker, thereby making the money available to the family without delay. The advantage is that you establish the trust, you select the trustees, and you outline the terms under which assets can be used and distributed from the trust. This solution often works in the best interests of the minor children and those of other dependents, such as a surviving spouse. Therefore, by doing so, you've obviated the need for court intervention, and the money can be managed responsibly for your children.
วันจันทร์ที่ 24 สิงหาคม พ.ศ. 2552
Provider Overview: Aviva Annuities by Steven Hart
Aviva is the fifth largest insurance company in the world. It has $725 billion in assets under its management, and its annual premium and investment revenue is approximately $98 billion. In the US alone, the company has more than one million individual customers.
The company has a long history - 313 years. It is the oldest insurance group that has been continuously operating in the world. The company's corporate heritage dates back to 1696, and as a business it has witnessed and participated in many historical events. For example, Aviva was the insurer of the Titantic. The insurer claims that they were more prepared for the economic crisis that hit in 2008, because of their history and extensive knowledge of the insurance market.
Today, Aviva uses all of the knowledge the company has gained through its extensive history to focus on creating bright futures for its customers. To achieve this, Aviva promises to meet the long-term savings, insurance, and retirement income needs of investors.
Aviva USA is based in Topeka, Kansas. In addition to annuities, the company offers long-term savings, insurance, and retirement income products. Aviva's mission statement is "You." They have selected this mission statement to demonstrate that the customer is critical to all of their actions. The company strives to understand every customer's unique needs and to deliver on them. Despite their long history, they purposely do not want to sound like a typical life insurance company when they are dealing with their customers.
Aviva is also committed to helping the overall community. In 1994, the company established The Aviva Charitable Foundation to help achieve the commitment to the community. The foundation makes grants to nonprofit organizations in the areas of education, arts and culture, civic and community, and health and human services. In terms of annuities, Lincoln offers seven annuities - three fixed annuities and four fixed indexed annuities which have multiple options depending on which product is selected. The individual annuity products are listed below:
Fixed Annuities
* MultiChoice Freedom 3, Freedom 5, Freedom 7
* MultiChoice FreedomPlus
* MultiChoice FreedXtra
Fixed Indexed Annuities
* MultiChoice IncomeFive, IncomeSeven, IncomeTen
* MultiChoice IncomeElite
* MultiChoice Income Plus
* MultiChoice IncomeXtra
All of Aviva's annuity produces are available with both traditional and indexed crediting options, so that the purchaser can select what the best alternative is for them.
Aviva's fees and charges vary for each of the annuity products. Charges can include an administration and maintenance fee, a contingent deferred sales charge, a mortality and expense risk charge, a premium tax, a short-term trading fees, and an underlying mutual fund expenses charge. It is best to understand the entire fee and charge information before an annuity is purchased.
If an investor is considering purchasing an Aviva annuity, it is also important to understand the financial strength of the company. The top rating agencies have given Aviva high marks. For example, Standard & Poors has rated the company AA-. This is the 4th highest category of 21. A.M. Best has rated Aviva as A which is the 3rd highest category of 16.
The company has a long history - 313 years. It is the oldest insurance group that has been continuously operating in the world. The company's corporate heritage dates back to 1696, and as a business it has witnessed and participated in many historical events. For example, Aviva was the insurer of the Titantic. The insurer claims that they were more prepared for the economic crisis that hit in 2008, because of their history and extensive knowledge of the insurance market.
Today, Aviva uses all of the knowledge the company has gained through its extensive history to focus on creating bright futures for its customers. To achieve this, Aviva promises to meet the long-term savings, insurance, and retirement income needs of investors.
Aviva USA is based in Topeka, Kansas. In addition to annuities, the company offers long-term savings, insurance, and retirement income products. Aviva's mission statement is "You." They have selected this mission statement to demonstrate that the customer is critical to all of their actions. The company strives to understand every customer's unique needs and to deliver on them. Despite their long history, they purposely do not want to sound like a typical life insurance company when they are dealing with their customers.
Aviva is also committed to helping the overall community. In 1994, the company established The Aviva Charitable Foundation to help achieve the commitment to the community. The foundation makes grants to nonprofit organizations in the areas of education, arts and culture, civic and community, and health and human services. In terms of annuities, Lincoln offers seven annuities - three fixed annuities and four fixed indexed annuities which have multiple options depending on which product is selected. The individual annuity products are listed below:
Fixed Annuities
* MultiChoice Freedom 3, Freedom 5, Freedom 7
* MultiChoice FreedomPlus
* MultiChoice FreedXtra
Fixed Indexed Annuities
* MultiChoice IncomeFive, IncomeSeven, IncomeTen
* MultiChoice IncomeElite
* MultiChoice Income Plus
* MultiChoice IncomeXtra
All of Aviva's annuity produces are available with both traditional and indexed crediting options, so that the purchaser can select what the best alternative is for them.
Aviva's fees and charges vary for each of the annuity products. Charges can include an administration and maintenance fee, a contingent deferred sales charge, a mortality and expense risk charge, a premium tax, a short-term trading fees, and an underlying mutual fund expenses charge. It is best to understand the entire fee and charge information before an annuity is purchased.
If an investor is considering purchasing an Aviva annuity, it is also important to understand the financial strength of the company. The top rating agencies have given Aviva high marks. For example, Standard & Poors has rated the company AA-. This is the 4th highest category of 21. A.M. Best has rated Aviva as A which is the 3rd highest category of 16.
Visitors Insurance: Make Sure You're Protected When You Travel by Visitor insurance, Visitors insurance
Unfortunately, no matter how much planning you put into a vacation or a trip, there are simply some things that cannot be planned for. Two of these are an illness or an injury while enjoying your time away. These two events can seriously affect how much fun you have while travelling, but also can affect your budget as well. If you get stuck with mounds of medical bills, the rest of your vacation may be cut short.
How to Protect Yourself When Travelling
There is a great way to protect your family from the rising costs of health care while on vacation. If you have an accident or are injured and need medical care, visitors insurance will absorb much of the cost of hospital visits, outpatient care, lab tests, and in some cases, prescriptions.
What Unexpected Events Are Covered?
As long as there is no pre-existing condition that contributed to an illness or injury, most medical problems are covered. Falls, auto accidents, the flu, or a heart attack, are al usually covered under the policy. In addition, injuries due to natural disasters or terrorist attacks will be covered as well.
Is There a Deductible?
Yes. You may have to pay a deductible between $0 and $2500. The balance will be paid by the visitors insurance company. The higher deductible you pay, the less your premium will be. Determining how much you typically spend on health care may help you decide if you think you will need a high or low deductible.
Where to Purchase Visitor's Insurance
Several different websites offer free quotes for visitors insurance. You simply complete a short questionnaire online. Your rate is usually determined by your age, the length of the policy, and whether you want basic or premium coverage. If you are currently experiencing health problems, you may not be able to get a policy.
The best part about these websites is that you can print your policy right after you buy it. The policy will be in effect for the dates you requested and can ease the stress of your upcoming trip.
How Expensive Is It?
Your rate will depend upon the above listed factors. Visitors insurance is relatively inexpensive. This is because the length of the policy coverage is usually not very long. The chances of an accident or illness are not as great during shorter time periods. However, it does happen and you do need this type of insurance to protect your family and yourself. It is much more beneficial to purchase this insurance for a few days than pay on the medical bills or years!
In Closing
It is important to make sure your family is protected with visitor insurance while travelling to another country. The rising cost of medical care, makes it very difficult to continue to enjoy your vacation if you are injured or sick! This insurance will cover the costs for hospital and emergency room visits, lab test, outpatients, and some pharmacy expenses. You owe it to yourself to enjoy your vacation the best possible way you can. This can happen with visitors insurance.
How to Protect Yourself When Travelling
There is a great way to protect your family from the rising costs of health care while on vacation. If you have an accident or are injured and need medical care, visitors insurance will absorb much of the cost of hospital visits, outpatient care, lab tests, and in some cases, prescriptions.
What Unexpected Events Are Covered?
As long as there is no pre-existing condition that contributed to an illness or injury, most medical problems are covered. Falls, auto accidents, the flu, or a heart attack, are al usually covered under the policy. In addition, injuries due to natural disasters or terrorist attacks will be covered as well.
Is There a Deductible?
Yes. You may have to pay a deductible between $0 and $2500. The balance will be paid by the visitors insurance company. The higher deductible you pay, the less your premium will be. Determining how much you typically spend on health care may help you decide if you think you will need a high or low deductible.
Where to Purchase Visitor's Insurance
Several different websites offer free quotes for visitors insurance. You simply complete a short questionnaire online. Your rate is usually determined by your age, the length of the policy, and whether you want basic or premium coverage. If you are currently experiencing health problems, you may not be able to get a policy.
The best part about these websites is that you can print your policy right after you buy it. The policy will be in effect for the dates you requested and can ease the stress of your upcoming trip.
How Expensive Is It?
Your rate will depend upon the above listed factors. Visitors insurance is relatively inexpensive. This is because the length of the policy coverage is usually not very long. The chances of an accident or illness are not as great during shorter time periods. However, it does happen and you do need this type of insurance to protect your family and yourself. It is much more beneficial to purchase this insurance for a few days than pay on the medical bills or years!
In Closing
It is important to make sure your family is protected with visitor insurance while travelling to another country. The rising cost of medical care, makes it very difficult to continue to enjoy your vacation if you are injured or sick! This insurance will cover the costs for hospital and emergency room visits, lab test, outpatients, and some pharmacy expenses. You owe it to yourself to enjoy your vacation the best possible way you can. This can happen with visitors insurance.
วันเสาร์ที่ 22 สิงหาคม พ.ศ. 2552
Are You Considering Starting an MLM Business? by Mario Bentley
Working at home can give the freedom you want and the income that you deserve. This way, you can be there for your children, cook dinner, and still get in a few hours of work before bed. A work at home MLM business opportunity can be very attractive but you must be careful to select one that works for you.
Technology has improved customer service, and relationships with MLM workers and commissions can be utilized in ways not possible before.
All of this started in the 1950's with nutritional supplements, household products, and cosmetics. It can be noted that MLM opportunities boomed in the 1980's with insurance and long-distance telephone services. As the twenty-first century approached, improvements in technology really helped the MLM industry.
The industry has expanded into credit cards, travel, and pre-paid legal services aready. MLM opportunities can adapt as technology evolves.
The combination of technology and old-fashioned salesmanship makes MLM popular for everyone including those in the business world. You can earn money from the down line of your recruits' sales and their recruits' sales and so on.
There is no overhead if you work at home, and advertising can be based on word of mouth. There is also no inventory, no collections, and no receivables. You do not have to see the customer, and the product is shipped to them. MLM has acquired a bad reputation through media reports, but many companies including mainstream ones do it legally and successfully.
Take note. When selecting a MLM business opportunity for your own, look for one that has been in the business for a number of years. Take note that many scams are often fly-by-night operations.
But this does not mean that you have to avoid younger companies. Look carefully before you take a leap of faith. Make sure that they have a good training program in place, a fair compensation plan worked out and products that have already been tested for quite some time.
A home-based MLM opportunity has three qualities; control of time and money, continual salary, and steady growth that multiplies. By trying to control your time, you can reap from your efforts.
When comparing MLM opportunities, think of yourself first. Choose a business that fits your interests and talents. Do not think you can be molded to fit others. Examine what you want and the one that is fitting to your knowledge and background. Many times your life experiences can add greatly to a company's offerings to create a perfect blend. Take time to select the MLM opportunity that is right for you.
Many who become involved in a MLM business start out on a part time basis. This is a wise advice for everyone considering the opportunity to get into self-employment.
Keeping your day job will insure adequate income to meet your household and buy you enough time to get the business established. By keeping your current ties in the business world, you can attract them as customers to the new endeavor you wish to take.
MLM opportunities are waiting for your first chance to grab them. When choosing, remember that if something is too good to be true, it probably is.
Many companies sky-high dreams with little else.Keep your wits when looking at MLM opportunities and you will definitely land with your feet on the ground.
Technology has improved customer service, and relationships with MLM workers and commissions can be utilized in ways not possible before.
All of this started in the 1950's with nutritional supplements, household products, and cosmetics. It can be noted that MLM opportunities boomed in the 1980's with insurance and long-distance telephone services. As the twenty-first century approached, improvements in technology really helped the MLM industry.
The industry has expanded into credit cards, travel, and pre-paid legal services aready. MLM opportunities can adapt as technology evolves.
The combination of technology and old-fashioned salesmanship makes MLM popular for everyone including those in the business world. You can earn money from the down line of your recruits' sales and their recruits' sales and so on.
There is no overhead if you work at home, and advertising can be based on word of mouth. There is also no inventory, no collections, and no receivables. You do not have to see the customer, and the product is shipped to them. MLM has acquired a bad reputation through media reports, but many companies including mainstream ones do it legally and successfully.
Take note. When selecting a MLM business opportunity for your own, look for one that has been in the business for a number of years. Take note that many scams are often fly-by-night operations.
But this does not mean that you have to avoid younger companies. Look carefully before you take a leap of faith. Make sure that they have a good training program in place, a fair compensation plan worked out and products that have already been tested for quite some time.
A home-based MLM opportunity has three qualities; control of time and money, continual salary, and steady growth that multiplies. By trying to control your time, you can reap from your efforts.
When comparing MLM opportunities, think of yourself first. Choose a business that fits your interests and talents. Do not think you can be molded to fit others. Examine what you want and the one that is fitting to your knowledge and background. Many times your life experiences can add greatly to a company's offerings to create a perfect blend. Take time to select the MLM opportunity that is right for you.
Many who become involved in a MLM business start out on a part time basis. This is a wise advice for everyone considering the opportunity to get into self-employment.
Keeping your day job will insure adequate income to meet your household and buy you enough time to get the business established. By keeping your current ties in the business world, you can attract them as customers to the new endeavor you wish to take.
MLM opportunities are waiting for your first chance to grab them. When choosing, remember that if something is too good to be true, it probably is.
Many companies sky-high dreams with little else.Keep your wits when looking at MLM opportunities and you will definitely land with your feet on the ground.
วันพุธที่ 19 สิงหาคม พ.ศ. 2552
Avoid being underpaid for your whiplash compensation by Rachel Higgins
When it comes to negotiating for the amount of whiplash compensation you are duly owed, there's no one better for the job than a whiplash lawyer. The average whiplash victim is almost entirely unequipped to go toe to toe with high powered insurance lawyers and adjusters, whom spend their entire careers mastering the craft of paying injury victims as little as possible.
Don't allow yourself to be added to the masses of injury victims that are underpaid for their injuries, get help.
Am I entitled to whiplash compensation? If you've suffered from a whiplash injury as the result of a car accident, sports injury, physical attack, slip and fall, or some other accident you may be entitled to compensation. But in order to qualify for compensation you must be able to prove that your injuries were the direct result of negligence on the other party's behalf.
What to do after you've suffered a whiplash injury? The steps you take after suffering a whiplash injury are crucial to not only your health, but your ability to seek and win compensation for your injury.
Taking these actions will help you in getting whiplash compensation:
* Report the accident to the police or your employer, as well as the insurance company If your whiplash injury occurred outside of work then you should contact the police, otherwise you'll need to inform your employer. Make sure that you keep a copy of all official reports and forms that you submit or are provided with.
* Seek medical attention You should be medically evaluated and your injuries diagnosed as soon as possible. Doing so will help you begin restoring your health, and having the medical reports will be critical in proving your claims for damages due to physical injuries.
* Keep records of everything Proving negligence in personal injury cases can be hard, but keeping a copy of all documentation, records, correspondence, purchases, and other information can help make this aspect of getting whiplash compensation easier. Don't throw anything away that is regarding or relevant to your claim.
* Seek legal help Getting compensation in the right amount is often best accomplished by professional litigators who are knowledgeable and experienced in representing those who have suffered a whiplash injury. Hiring an lawyer can help you avoid timely and costly mistakes while helping to improve your chances of receiving fair compensation.
Don't allow yourself to be added to the masses of injury victims that are underpaid for their injuries, get help.
Am I entitled to whiplash compensation? If you've suffered from a whiplash injury as the result of a car accident, sports injury, physical attack, slip and fall, or some other accident you may be entitled to compensation. But in order to qualify for compensation you must be able to prove that your injuries were the direct result of negligence on the other party's behalf.
What to do after you've suffered a whiplash injury? The steps you take after suffering a whiplash injury are crucial to not only your health, but your ability to seek and win compensation for your injury.
Taking these actions will help you in getting whiplash compensation:
* Report the accident to the police or your employer, as well as the insurance company If your whiplash injury occurred outside of work then you should contact the police, otherwise you'll need to inform your employer. Make sure that you keep a copy of all official reports and forms that you submit or are provided with.
* Seek medical attention You should be medically evaluated and your injuries diagnosed as soon as possible. Doing so will help you begin restoring your health, and having the medical reports will be critical in proving your claims for damages due to physical injuries.
* Keep records of everything Proving negligence in personal injury cases can be hard, but keeping a copy of all documentation, records, correspondence, purchases, and other information can help make this aspect of getting whiplash compensation easier. Don't throw anything away that is regarding or relevant to your claim.
* Seek legal help Getting compensation in the right amount is often best accomplished by professional litigators who are knowledgeable and experienced in representing those who have suffered a whiplash injury. Hiring an lawyer can help you avoid timely and costly mistakes while helping to improve your chances of receiving fair compensation.
วันอาทิตย์ที่ 16 สิงหาคม พ.ศ. 2552
Buy Student Health Insurance Online in Tampa, Orlando, West Palm Beach or Miami in Florida to Compare Companies by Sherrie Chastain of Skunkworks So
Having student health insurance that covers local schools in Tampa, Orlando, West Palm Beach or Miami Florida is a must for students enrolled in school in Florida. You may find a need to buy student health insurance online in Florida when you are no longer covered by your parent's health plan. It might sound to be an additional cost, but it covers your future's needs and makes emergencies a lighter one to handle. Getting a student health plan is always easier on the pocket compared to ordinary health plans available for individuals as providers tend to adjust their offered rates according to your allowable budget and needs.
If you decide to get one, beware of some reminders before signing up. Make sure that your provider covers schools in Florida as well as the whole country. Review the benefits provided and be sure to read the policy. With the increasing cost of daily expenses, unfortunate costs brought by medical and health related emergencies are not good idea at all.
Now, you might wonder where to get this student health insurance, click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. So get a student health insurance quote online now and compare.
Some schools provide or recommend a specific provider that has been connected to your school. On the other hand, some students opt to get insurance being offered outside the school. With the advantage given by technology advancement, more and more are getting used to purchasing online insurance.
Buying student health insurance online is far better and easier as days go by. Anyone can get quotations and any and all other ideas of the premiums suitable for their budget. Comparison of variety of insurance policies can be just a click away; therefore shopping for the best plan is always within your reach. Even if you are just searching insurances online, you can have access to information about different providers around your area. Just key in your zip code and the website of the online agent you are into will give you the list of options you can compare with each other. Just be careful in exposing your personal information as more people of no good intentions are always around for that.
In purchasing student health insurance online, a buyer should know his health conditions. Some of the providers do not cover pre-existing conditions or those existing health problems acquired prior to subscription to insurance, and being a prospective clientele, you should be aware of the provider's stand to your present health status. Take note that not all medical care offers the same benefits, you may check of their list of doctors and hospitals that accredit such insurance provider. You may also assess the benefit coverage as your civil status changes, which may include changes in family like divorce, death, childbirth or marriage.
If you are a student and not yet insured, get onto your computer and click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. So get a student health insurance quote online now and compare.
If you decide to get one, beware of some reminders before signing up. Make sure that your provider covers schools in Florida as well as the whole country. Review the benefits provided and be sure to read the policy. With the increasing cost of daily expenses, unfortunate costs brought by medical and health related emergencies are not good idea at all.
Now, you might wonder where to get this student health insurance, click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. So get a student health insurance quote online now and compare.
Some schools provide or recommend a specific provider that has been connected to your school. On the other hand, some students opt to get insurance being offered outside the school. With the advantage given by technology advancement, more and more are getting used to purchasing online insurance.
Buying student health insurance online is far better and easier as days go by. Anyone can get quotations and any and all other ideas of the premiums suitable for their budget. Comparison of variety of insurance policies can be just a click away; therefore shopping for the best plan is always within your reach. Even if you are just searching insurances online, you can have access to information about different providers around your area. Just key in your zip code and the website of the online agent you are into will give you the list of options you can compare with each other. Just be careful in exposing your personal information as more people of no good intentions are always around for that.
In purchasing student health insurance online, a buyer should know his health conditions. Some of the providers do not cover pre-existing conditions or those existing health problems acquired prior to subscription to insurance, and being a prospective clientele, you should be aware of the provider's stand to your present health status. Take note that not all medical care offers the same benefits, you may check of their list of doctors and hospitals that accredit such insurance provider. You may also assess the benefit coverage as your civil status changes, which may include changes in family like divorce, death, childbirth or marriage.
If you are a student and not yet insured, get onto your computer and click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. So get a student health insurance quote online now and compare.
Why Get Student Health Insurance Quotes Online in Tampa, Orlando, West Palm Beach or Miami Florida? by Sherrie Chastain of Skunkworks Solutions
Many up coming college students in Tampa, Orlando, West Palm Beach or Miami Florida face the dilemma that they are no longer covered by the health insurance policy of their parents. Since in college there would be constant contact with large amounts of people, which make an individual susceptible to becoming ill. In addition to being in college, there is more access to freedom. Thus, students become more prone to health attacks and accidents; and getting ill simply do not go along with the high expenses the students have to bear.
Fortunately, there is student health insurance which saves a college student from unpaid medical bills piling up or missing a lot of classes due to sickness and cannot be able to visit a doctor because there is no health insurance.
The majority of health insurance providers offer health insurance for students. If you are a student in Florida and you want to buy student health insurance in Florida there are variety of different health insurance programs you can buy. These health insurance programs are usually at a very reasonably price rate because insurance companies understand that college is a point when the majority of student's have many of expenses like on computers, tuition, books, labs, and other school requirements. Student health insurance policies usually provide students with a inexpensive rate as long as the student visits health care facilities that are affiliated with the health insurance company or health care facilities that work in conjunction with the health insurance company. You can choose plan that suits your needs.
If you would like to buy student health insurance in Florida, you must take measure in preparation of the data that would be needed by the insurance company that you have chosen. Student health insurance providers will need particular information from you, click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida.
Another great reason to buy student health insurance in Florida is that you can make it as reasonable as you want. Some health insurance companies allow the student to have a customized insurance plan. It depends on your choice. If you require an extensive level of insurance coverage, then there are insurance plan that would cover such but of course that would be higher in cost. If the student just chooses coverage to receive check ups o regular visits to primary physician then the coverage price will be much lower.
There are many ways where to buy student health insurance in Florida. You can check the dorms front office. You can inquire at the schools health department or in the dorms front office about any health insurance company available.
Also one of the best ways to buy student health insurance in Tampa, Orlando, West Palm Beach or Miami Florida is to click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. See if there are any health insurance plans that cater particularly to college students. At times there are types of plans will have a lower price, particularly if you don't have any vice like smoking or have any pre-existing health conditions. Often you will be obliged to undergo a medical examination as a precondition to signing on to any of these student group health insurance plans.
Fortunately, there is student health insurance which saves a college student from unpaid medical bills piling up or missing a lot of classes due to sickness and cannot be able to visit a doctor because there is no health insurance.
The majority of health insurance providers offer health insurance for students. If you are a student in Florida and you want to buy student health insurance in Florida there are variety of different health insurance programs you can buy. These health insurance programs are usually at a very reasonably price rate because insurance companies understand that college is a point when the majority of student's have many of expenses like on computers, tuition, books, labs, and other school requirements. Student health insurance policies usually provide students with a inexpensive rate as long as the student visits health care facilities that are affiliated with the health insurance company or health care facilities that work in conjunction with the health insurance company. You can choose plan that suits your needs.
If you would like to buy student health insurance in Florida, you must take measure in preparation of the data that would be needed by the insurance company that you have chosen. Student health insurance providers will need particular information from you, click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida.
Another great reason to buy student health insurance in Florida is that you can make it as reasonable as you want. Some health insurance companies allow the student to have a customized insurance plan. It depends on your choice. If you require an extensive level of insurance coverage, then there are insurance plan that would cover such but of course that would be higher in cost. If the student just chooses coverage to receive check ups o regular visits to primary physician then the coverage price will be much lower.
There are many ways where to buy student health insurance in Florida. You can check the dorms front office. You can inquire at the schools health department or in the dorms front office about any health insurance company available.
Also one of the best ways to buy student health insurance in Tampa, Orlando, West Palm Beach or Miami Florida is to click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. See if there are any health insurance plans that cater particularly to college students. At times there are types of plans will have a lower price, particularly if you don't have any vice like smoking or have any pre-existing health conditions. Often you will be obliged to undergo a medical examination as a precondition to signing on to any of these student group health insurance plans.
Many Ways to Get Student Health Insurance in Tampa, Orlando, West Palm Beach or Miami Florida by Sherrie Chastain of Skunkworks Solutions
There are many ways where you can get student health insurance quote in Tampa, Orlando, West Palm Beach or Miami Florida. One of which is to inquire on the university or college health department or at the dorms office. If you qualify, then there would be different plans you can choose from and often can be covered by student financial aid.
College life is synonymous to freedom and in effect a college student becomes more prone to health illness and accidents. As students, getting ill simply does not go along with the considerable expenses have to bear. If you are an upcoming college student in Florida and plan on living in the dorms then you will definitely be required to get student health insurance since you are not anymore under the coverage of your parent's health insurance plan. One of reasons for such requirement is that no student will end up laid in the dorm that needs medical attention that they could not afford. Another reason also when someone get ill with contagious disease, it makes addressing the whole dorm population in the event of any type of pandemic so much simpler.
Another way to get student health insurance quote in Florida is thru online, click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. It is the easiest way to get student health insurance quotes. You can have different options to get student health insurance quotes in Florida online. There are health insurance plans that specifically cater to college student and often, such health insurance plans are discounted or at a low cost; but it depends on the coverage of your plan, of course. Take note that that some of these websites are designed to simply get your personal data and then sell them to insurance companies who then will contact you in hopes of selling you a policy. So you'll end up having many insurance companies coming to you and you wouldn't want that to happen.
However, the way to do is to compare insurance quotes that do not outsource information and can provide you with immediate student health insurance quotes in Florida from numerous different insurance companies simultaneously. You must be prudent in the process to get student health insurance quote in Florida.
The competition among insurance companies is the key to get student health insurance quote in Florid at a good rate. Also, insurance companies understand the situation of college students, because this is the stage where there are a lot of expenses - tuition, books, gadgets, etc. Be watchful for those fly by night insurance companies that you have never heard of. Also, carefully check the policy of the health insurance company. Steer clear of the discount health plans which are sometimes bogus and are extremely risky; that leaves you unprotected for most of the cost of a large medical bill.
One must keep in mind that no one is invincible. Things cannot be foreseen, you cannot foresee sickness or any other mishaps that might happen to you. click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. Always go in for the one best suitable for you.
College life is synonymous to freedom and in effect a college student becomes more prone to health illness and accidents. As students, getting ill simply does not go along with the considerable expenses have to bear. If you are an upcoming college student in Florida and plan on living in the dorms then you will definitely be required to get student health insurance since you are not anymore under the coverage of your parent's health insurance plan. One of reasons for such requirement is that no student will end up laid in the dorm that needs medical attention that they could not afford. Another reason also when someone get ill with contagious disease, it makes addressing the whole dorm population in the event of any type of pandemic so much simpler.
Another way to get student health insurance quote in Florida is thru online, click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. It is the easiest way to get student health insurance quotes. You can have different options to get student health insurance quotes in Florida online. There are health insurance plans that specifically cater to college student and often, such health insurance plans are discounted or at a low cost; but it depends on the coverage of your plan, of course. Take note that that some of these websites are designed to simply get your personal data and then sell them to insurance companies who then will contact you in hopes of selling you a policy. So you'll end up having many insurance companies coming to you and you wouldn't want that to happen.
However, the way to do is to compare insurance quotes that do not outsource information and can provide you with immediate student health insurance quotes in Florida from numerous different insurance companies simultaneously. You must be prudent in the process to get student health insurance quote in Florida.
The competition among insurance companies is the key to get student health insurance quote in Florid at a good rate. Also, insurance companies understand the situation of college students, because this is the stage where there are a lot of expenses - tuition, books, gadgets, etc. Be watchful for those fly by night insurance companies that you have never heard of. Also, carefully check the policy of the health insurance company. Steer clear of the discount health plans which are sometimes bogus and are extremely risky; that leaves you unprotected for most of the cost of a large medical bill.
One must keep in mind that no one is invincible. Things cannot be foreseen, you cannot foresee sickness or any other mishaps that might happen to you. click here to get Student Health Insurance quotes for Tampa, Orlando, West Palm Beach or Miami, Florida. Always go in for the one best suitable for you.
วันเสาร์ที่ 15 สิงหาคม พ.ศ. 2552
NEED FOR MARINE CREW HEALTH INSURANCE by Ray Sandeo
Despite the technological advancements in marine travel, the safety and security of crew members is always an extremely important issue in any marine travel policy. What the discerning mariners ideally need is a comprehensive medical insurance policy that would grant him extensive coverage options and unmatched medical security. Health insurance for yacht crew offers this vital medical support, ensuring medical safety and security to the often uncertain mariner’s life. Yacht crew health insurance appreciates the hazards and risks involved in a life separated by numerous leagues from the facilities of the mainland. The Marine crew health insurance policies on offer make sure that this distance does not come in the way of rendering optimal emergency medical support to the mariner in times of crises.The Yacht crew health insurance is available to mariners of any country, provided they are deployed outside national limits during the initiation of policy coverage. These policies offer important medical services to the insured like emergency hospitalization, medication and medical attention. The policy also covers necessary expenses as charged by the physician for rendered therapeutic and pharmaceutical treatments.A host of ancillary services of essential nature are also provided by the Yacht crew health insurance policy. These include local medical transport units, oxygen administrations and life-support units. The policy also covers charges necessitated by engagement of intensive care units to facilitate emergency treatments (when prescribed).An Marine crew insurance policy might execute a thorough inspection of the vessel for potentially dangerous flaws and manufacturing defects. This is done to ensure the safety of the marine crew members while the vessel in sea-borne. The insurance policy does not distinguish between types of vessels while offering the mariner’s insurance coverage. However, some policies may have particular supplementary coverage options for mariners using a sailboat.Numerous Yacht crew health insurance policies offer supplementary accident benefits to the insured mariner which excludes the pre-determined coverage value. Health insurance for yacht crew policies also assume the responsibility to defray charges of prescribed mental and neural treatments as afforded by the insured.The Yacht crew health insurance draws support from the underwriting services of globally respected insurance establishments. This ensures unmatched transparency and fidelity in the process of reimbursement and claims settlement. The policy also entails a global network of active telecom support exclusively dedicated to offer vital supportassistance to insured mariners.The marine crew insurance also facilitates emergency medical evacuations and rescue, re-transportation and repatriation of mortal remains. With so many essential services offered at extremely affordable rates, it’s little wonder that the Yacht crew health insurance has become an integral component of marine life.
วันจันทร์ที่ 10 สิงหาคม พ.ศ. 2552
Pre-Qualify to Purchase Home by Joshua Fairfield
Read More Articles Like this on My blog at http://dailycashsaver.blogspot.com/
For some people, their dream home is always unaffordable. This is primarily because they do not take stringent steps to pre-qualify before rushing out to search for a home. A pre-qualification is, basically, an estimate of how much you can actually afford. Once, you know that you can effortlessly track down a house that fits in your budget. Furthermore, as a pre-qualification denotes that your creditworthiness has been proven by a financial institution, it becomes relatively easy for you to negotiate with the seller more aggressively. The seller, on the other hand, gets the assurance that you are a genuine buyer, and takes you seriously. Here are a few things that you need to do to pre-qualify to purchase a home.
* Enlist your monthly expenses- The first thing that you need to do is to note down all your monthly expenses. The list should include the regular telephone, electricity, gas and grocery bills. School fees, transportation costs, house rent, maintenance charges, and so forth should also be included in the list. Yearly expenses pertaining to property taxes, homeowners and auto insurance, and license plates should be added to the list, but only after dividing them by 12.
* Find out your monthly sources of income- Your salary is the primary source of income. Additionally, all the money coming from part-time jobs should be included. Any monthly interest you are earning from your investments should also be added.
* Try to ascertain how much you can actually afford to pay- Add your expenses as well as your income. Subtract the total expenses from the total income. You will get to know how much you can actually afford to pay. With the help of a mortgage calculator, you can easily calculate the exact amount of home loan that you can manage to payback. These mortgage calculators are easily available online. You can also buy an amortization book to learn how to calculate your monthly mortgage payments depending upon the interest rates and the number of years chosen to payoff.
* Contact the mortgage lender- After all the preparations, you should contact the mortgage lender, and tell him exactly what you need. Allow him to check your creditworthiness, and thereafter let him give you a quotation. As there are several options available; hence shop around a bit. This will help you to ascertain what other lenders are wiling to offer. Go for the best quotation. Even if the mortgage lender is ready to offer you more, stick to your terms and conditions because at the end of the day you would have to payback whatever you have borrowed. So the more you borrow, the more you would have to payback together with the interest.
* Get the pre-qualification letter- As soon as you find an offer that matches with your pre-conditions, grab the offer. Ask the lender to lock the current rate the moment you pre-qualify. The mortgage lender will issue a pre-qualification letter. A copy of this letter will also be sent to the real estate agent who is helping you in your home search. Homeowners will welcome you with open arms, once they come to know that a good mortgage company is waiting to provide you home loan. This is the magic of a pre-qualification letter.
Read More Articles Like this on My blog at http://dailycashsaver.blogspot.com/
For some people, their dream home is always unaffordable. This is primarily because they do not take stringent steps to pre-qualify before rushing out to search for a home. A pre-qualification is, basically, an estimate of how much you can actually afford. Once, you know that you can effortlessly track down a house that fits in your budget. Furthermore, as a pre-qualification denotes that your creditworthiness has been proven by a financial institution, it becomes relatively easy for you to negotiate with the seller more aggressively. The seller, on the other hand, gets the assurance that you are a genuine buyer, and takes you seriously. Here are a few things that you need to do to pre-qualify to purchase a home.
* Enlist your monthly expenses- The first thing that you need to do is to note down all your monthly expenses. The list should include the regular telephone, electricity, gas and grocery bills. School fees, transportation costs, house rent, maintenance charges, and so forth should also be included in the list. Yearly expenses pertaining to property taxes, homeowners and auto insurance, and license plates should be added to the list, but only after dividing them by 12.
* Find out your monthly sources of income- Your salary is the primary source of income. Additionally, all the money coming from part-time jobs should be included. Any monthly interest you are earning from your investments should also be added.
* Try to ascertain how much you can actually afford to pay- Add your expenses as well as your income. Subtract the total expenses from the total income. You will get to know how much you can actually afford to pay. With the help of a mortgage calculator, you can easily calculate the exact amount of home loan that you can manage to payback. These mortgage calculators are easily available online. You can also buy an amortization book to learn how to calculate your monthly mortgage payments depending upon the interest rates and the number of years chosen to payoff.
* Contact the mortgage lender- After all the preparations, you should contact the mortgage lender, and tell him exactly what you need. Allow him to check your creditworthiness, and thereafter let him give you a quotation. As there are several options available; hence shop around a bit. This will help you to ascertain what other lenders are wiling to offer. Go for the best quotation. Even if the mortgage lender is ready to offer you more, stick to your terms and conditions because at the end of the day you would have to payback whatever you have borrowed. So the more you borrow, the more you would have to payback together with the interest.
* Get the pre-qualification letter- As soon as you find an offer that matches with your pre-conditions, grab the offer. Ask the lender to lock the current rate the moment you pre-qualify. The mortgage lender will issue a pre-qualification letter. A copy of this letter will also be sent to the real estate agent who is helping you in your home search. Homeowners will welcome you with open arms, once they come to know that a good mortgage company is waiting to provide you home loan. This is the magic of a pre-qualification letter.
Read More Articles Like this on My blog at http://dailycashsaver.blogspot.com/
Listing Down the Neighborhood Choice Factors by Joshua Fairfield
Buying a new home is one of the best investments that every person can make. Because of this, it is important for everyone to check everything before getting a property. And aside from taking a good look at the house itself, you also have to make sure that the neighborhood is also the best for you. You will need to consider a lot of things in selecting the neighborhood where you are going to stay.
With this, you need to have a checklist of the factors in choosing the neighborhood where you will live. Here are the ways on how you will make the list which will include the factors that you need to consider.
First of all, you will need to set the amount that you can afford. You will need to list down the estimate amount that you can shed off in buying a house like the mortgage that you expect, insurance, and the likes. With this, you will be at least prepared of the charges and at the same time you will be able to narrow down your options because of financial limitations.
Next thing to do is that you can start thinking of the neighborhood that you want in mind. What is your main focus? Are you after how the neighborhood looks like or where it is located? Do you want a neighborhood that is free from pollutants with perfect landscape? Just put in writing the things that you want and what your ideal neighborhood needs to have. However, you need to categorize them. Here is how you can categorize the factors in choosing the best neighborhood.
Basic needs: These are the specific things that you're looking for. Are you considering the landscape? Do you need to have a place where you can relax or just hang around like a park or a club house? Is the neighborhood safe? Are there any instances of crime for the past several months? Is the place near any malls for your grocery shopping or post office for your mail needs?
Work and education needs: is it easily accessible from your workplace? Will your child be able to easily travel back and forth to his or her home and school because there is a nearby school in the neighborhood? If now, you can check whether transportation is very accessible.
Home needs: Since neighborhoods may have houses that look the same with each other, then you can consider the types of houses that they are offering. Do you want a house that has a large backyard? Do you also need a house that could have the space that you want so you can move freely?
After writing these needs down, you then now need to check the neighborhood offered by real estate companies. You will then base your search on the things that you wrote down. Once you found what you're looking for, then it's time to contact the real estate agent.
And if you are looking for the best offerings in terms of houses, you can check Scottsdale Gated Homes and Phoenix Gated Homes for options.
With this, you need to have a checklist of the factors in choosing the neighborhood where you will live. Here are the ways on how you will make the list which will include the factors that you need to consider.
First of all, you will need to set the amount that you can afford. You will need to list down the estimate amount that you can shed off in buying a house like the mortgage that you expect, insurance, and the likes. With this, you will be at least prepared of the charges and at the same time you will be able to narrow down your options because of financial limitations.
Next thing to do is that you can start thinking of the neighborhood that you want in mind. What is your main focus? Are you after how the neighborhood looks like or where it is located? Do you want a neighborhood that is free from pollutants with perfect landscape? Just put in writing the things that you want and what your ideal neighborhood needs to have. However, you need to categorize them. Here is how you can categorize the factors in choosing the best neighborhood.
Basic needs: These are the specific things that you're looking for. Are you considering the landscape? Do you need to have a place where you can relax or just hang around like a park or a club house? Is the neighborhood safe? Are there any instances of crime for the past several months? Is the place near any malls for your grocery shopping or post office for your mail needs?
Work and education needs: is it easily accessible from your workplace? Will your child be able to easily travel back and forth to his or her home and school because there is a nearby school in the neighborhood? If now, you can check whether transportation is very accessible.
Home needs: Since neighborhoods may have houses that look the same with each other, then you can consider the types of houses that they are offering. Do you want a house that has a large backyard? Do you also need a house that could have the space that you want so you can move freely?
After writing these needs down, you then now need to check the neighborhood offered by real estate companies. You will then base your search on the things that you wrote down. Once you found what you're looking for, then it's time to contact the real estate agent.
And if you are looking for the best offerings in terms of houses, you can check Scottsdale Gated Homes and Phoenix Gated Homes for options.
วันจันทร์ที่ 3 สิงหาคม พ.ศ. 2552
A Stricken Empire: The Shadow of Our Hegemony by Sandy Krolick, Ph.D.
The shadow of our hegemony, having been cast over the earth for the past two centuries, is growing thin and its pulse, weakening. With its days seemingly numbered, the American empire - this great experiment in freedom and prosperity - is apparently approaching its end. Early indications of this momentous event were foreshadowed in the hard fall of its financial markets and the idling of its economic engines. The road to infinite progress and universal prosperity seems to be nearing a dead end.
Obama's selection signaled the rising of the curtain for a final act, as the charismatic empire builder struts onstage and promises a new beginning orchestrated around an ever-expanding Federal mandate, with America again "ready to lead the world." Even the least perceptive among us could read the signs of America's weariness and the ceaselessly looming archetypal battle between the forces of imperial expansion, those of contraction, and alternatively, those instigating for something whispered only softly - its disintegration.
The signs of such an occasion are the palpable, almost visceral reactions of individual States recoiling from the growing burden of this ever-expanding Federal hegemony. Perhaps they - the governors - also saw the insidiousness of this encroaching empire, relentlessly clawing its way forward, as clearly as others around the globe have seen us for more than a century.
The evidence is clear and unmistakable: a renewed defense of the 10th amendment - safeguarding States rights, a blatant refusal of Federal stimulus funds, and stirrings of secession from the Union by several State executives, coupled with the self-destructiveness of the Republican Party and the splintering strife haunting the party currently in power. And all of this in apparent response to the Obama administration's inclination to curtail the 2nd amendment's right to bear arms, federalize the health insurance industry, nationalize commercial enterprises, loan money to the States, tax energy consumption, as well as continue to expand our financial and military investments globally. Well, you get the picture! More big government! More imperial control! More power! As Obama so eloquently tipped his own hand just this month in Russia, "The pursuit of power is no longer a zero-sum game..." a rather bald admission that the true mission of his (and perhaps all) political leadership is the management of power domestically and its expansion globally.
So what is happening here? Well, the socialists, libertarians and communists, etc., all smell blood in the water. Yet the larger body politic - the 'proletariat or 'petite bourgeoisie' (depending upon your perspective) - is not so quick to jump on any of these tired old bandwagons. In fact, many of those among the masses are beginning to explore alternative solutions to questions about the direction and velocity of change necessary to avert the direst of outcomes. These are voices crying for a retreat or even a termination of the executioner... death to the State, (Federal or otherwise) and its alien authority.
These calls come from the would-be anarchists of today... not because they want chaos to reign; rather, because they feel the archaic pull of a more primal autonomy or self-sufficiency, some memory trace that was lost with the establishment of kingdoms, nations, empires, legislators, and other anonymous, impersonal governing bodies.
Yes, a revolution is coming. But it will not be a soft revolution or one of unification; rather, it will be one of disintegration. And while the secessionist movements may have gained serious momentum with certain non-Republican elements under the 'second coming' of George Bush, this revolution of disintegration will not be led by liberals or progressives, but rather by conservatives and independents - those who prefer limited Federal authority and limited government in general. And when the divisions begin, with a few States attempting secession from the Union, these new anarchists will begin to make their own moves, taking advantage of the vulnerability of both the Union and the States.
As heir-apparent of Western civilized progress, with ever-widening circles of social and economic complexity - a 'beacon of hope and freedom' to the rest of humanity, the American experience is now a fitting body-politic for a complete reversal of course - the rejection of hierarchy, control and the complexity of the civilized state. It appears more and more to be the unlikely locus for a recovery of the primal, the instinctual, the natural. Our America is a land ripe for cultural, economic and political disintegration in the interests of recovering a lost simplicity. All hinges upon the nature and dynamics of the revolutionary spirit, and to what extent it can overcome the inertia of the standing cultural hegemonic forces.
Will the coming end of the American empire abandon us to a retreat into a world populated by the likes of 'Mad Max' - a modern day Leviathan, or will it be the highly anticipated coming of the 'Kingdom of God' on earth? Neither I think! If revolutionary forces succeed in mobilizing this passion for disintegration, and if such passion can fuel the anarchist's vision for community without authority, without a ruler or government, then perhaps we can dismantle this hegemony and establish a new form of kinship-based community with a natural respect for autonomy and appreciation of self-sufficiency. We can only hope!
Obama's selection signaled the rising of the curtain for a final act, as the charismatic empire builder struts onstage and promises a new beginning orchestrated around an ever-expanding Federal mandate, with America again "ready to lead the world." Even the least perceptive among us could read the signs of America's weariness and the ceaselessly looming archetypal battle between the forces of imperial expansion, those of contraction, and alternatively, those instigating for something whispered only softly - its disintegration.
The signs of such an occasion are the palpable, almost visceral reactions of individual States recoiling from the growing burden of this ever-expanding Federal hegemony. Perhaps they - the governors - also saw the insidiousness of this encroaching empire, relentlessly clawing its way forward, as clearly as others around the globe have seen us for more than a century.
The evidence is clear and unmistakable: a renewed defense of the 10th amendment - safeguarding States rights, a blatant refusal of Federal stimulus funds, and stirrings of secession from the Union by several State executives, coupled with the self-destructiveness of the Republican Party and the splintering strife haunting the party currently in power. And all of this in apparent response to the Obama administration's inclination to curtail the 2nd amendment's right to bear arms, federalize the health insurance industry, nationalize commercial enterprises, loan money to the States, tax energy consumption, as well as continue to expand our financial and military investments globally. Well, you get the picture! More big government! More imperial control! More power! As Obama so eloquently tipped his own hand just this month in Russia, "The pursuit of power is no longer a zero-sum game..." a rather bald admission that the true mission of his (and perhaps all) political leadership is the management of power domestically and its expansion globally.
So what is happening here? Well, the socialists, libertarians and communists, etc., all smell blood in the water. Yet the larger body politic - the 'proletariat or 'petite bourgeoisie' (depending upon your perspective) - is not so quick to jump on any of these tired old bandwagons. In fact, many of those among the masses are beginning to explore alternative solutions to questions about the direction and velocity of change necessary to avert the direst of outcomes. These are voices crying for a retreat or even a termination of the executioner... death to the State, (Federal or otherwise) and its alien authority.
These calls come from the would-be anarchists of today... not because they want chaos to reign; rather, because they feel the archaic pull of a more primal autonomy or self-sufficiency, some memory trace that was lost with the establishment of kingdoms, nations, empires, legislators, and other anonymous, impersonal governing bodies.
Yes, a revolution is coming. But it will not be a soft revolution or one of unification; rather, it will be one of disintegration. And while the secessionist movements may have gained serious momentum with certain non-Republican elements under the 'second coming' of George Bush, this revolution of disintegration will not be led by liberals or progressives, but rather by conservatives and independents - those who prefer limited Federal authority and limited government in general. And when the divisions begin, with a few States attempting secession from the Union, these new anarchists will begin to make their own moves, taking advantage of the vulnerability of both the Union and the States.
As heir-apparent of Western civilized progress, with ever-widening circles of social and economic complexity - a 'beacon of hope and freedom' to the rest of humanity, the American experience is now a fitting body-politic for a complete reversal of course - the rejection of hierarchy, control and the complexity of the civilized state. It appears more and more to be the unlikely locus for a recovery of the primal, the instinctual, the natural. Our America is a land ripe for cultural, economic and political disintegration in the interests of recovering a lost simplicity. All hinges upon the nature and dynamics of the revolutionary spirit, and to what extent it can overcome the inertia of the standing cultural hegemonic forces.
Will the coming end of the American empire abandon us to a retreat into a world populated by the likes of 'Mad Max' - a modern day Leviathan, or will it be the highly anticipated coming of the 'Kingdom of God' on earth? Neither I think! If revolutionary forces succeed in mobilizing this passion for disintegration, and if such passion can fuel the anarchist's vision for community without authority, without a ruler or government, then perhaps we can dismantle this hegemony and establish a new form of kinship-based community with a natural respect for autonomy and appreciation of self-sufficiency. We can only hope!
Low-Cost Carriers Ignore EU Laws by Patrick Chong
You may think that buying travel insurance with your flights is a great way to save yourself both time and money. However, low cost carriers have come under fire recently for continuing to flout EU laws regarding holiday insurance. So what does this mean for your holiday preparation?
EasyJet, Jet2 and Monarch are three low-cost airlines that have recently hit the headlines for ignoring EU guidelines regarding the sale of travel insurance. An EU ruling made in November 2009 states that travel organisations can not automatically add ancillary services such as holiday insurance, car hire and excursion tickets onto customer's holiday bookings. If a customer wishes to add travel insurance on to their holiday package then this should be via a check box allowing them to opt in.
Many low-cost carriers instead have been automatically adding holiday insurance on to their customer's bargain flights and instead only giving them the option to 'opt out' if they don't wish to receive the travel insurance offered. This not only is the complete opposite of the rules that the EU put into place, but also means that many customers rushing through their bookings buy travel insurance that they either already have or don't really need.
Purchasing holiday insurance at the same time as your flights may seem like an excellent way to save yourself both time and money, but in reality often does neither. The holiday insurance that low-cost carriers offer can be extremely pricey in comparison with the cheap travel insurance policies that are available online. Easyjet often add holiday insurance to customer's trips at a cost ranging from £8.00 to £14.00, for just a single trip to Europe. When you consider that many holiday insurance companies are able to offer their customers annual policies for just over half this amount you'll see just how extortionate this price really this.
However, price extortion is the least of your worries when you hear that many more airlines have been pulled up for offering travel insurance policies that are not comprehensive enough to meet their customer's needs. Holiday insurance packages offered by the airlines Ryanair, British Airways and Wizz are failing to meet the Which standards for curtailment costs, cancellation and lost and stolen baggage, proving that purchasing holiday insurance at the same time as your flights isn't always the way forward.
With the continued flouting of the European Union guidelines despite low-cost carriers knowing the consequences of their actions, it is a good idea to double-check your flight booking before handing over your credit card details. Remember that many airlines will also attempt to add extras such as car hire and airport transfers, so be sure that you have opted out of all the relevant boxes.
It is a good idea to spend some time online shopping around for the best holiday insurance deals. With so many travel insurance companies failing to comply with the guidelines, it is wise to spend some time reading the terms and conditions of the holiday insurance to ensure that the policy you purchase is not only great value for money but also offers cover which is comprehensive enough for your holiday needs.
EasyJet, Jet2 and Monarch are three low-cost airlines that have recently hit the headlines for ignoring EU guidelines regarding the sale of travel insurance. An EU ruling made in November 2009 states that travel organisations can not automatically add ancillary services such as holiday insurance, car hire and excursion tickets onto customer's holiday bookings. If a customer wishes to add travel insurance on to their holiday package then this should be via a check box allowing them to opt in.
Many low-cost carriers instead have been automatically adding holiday insurance on to their customer's bargain flights and instead only giving them the option to 'opt out' if they don't wish to receive the travel insurance offered. This not only is the complete opposite of the rules that the EU put into place, but also means that many customers rushing through their bookings buy travel insurance that they either already have or don't really need.
Purchasing holiday insurance at the same time as your flights may seem like an excellent way to save yourself both time and money, but in reality often does neither. The holiday insurance that low-cost carriers offer can be extremely pricey in comparison with the cheap travel insurance policies that are available online. Easyjet often add holiday insurance to customer's trips at a cost ranging from £8.00 to £14.00, for just a single trip to Europe. When you consider that many holiday insurance companies are able to offer their customers annual policies for just over half this amount you'll see just how extortionate this price really this.
However, price extortion is the least of your worries when you hear that many more airlines have been pulled up for offering travel insurance policies that are not comprehensive enough to meet their customer's needs. Holiday insurance packages offered by the airlines Ryanair, British Airways and Wizz are failing to meet the Which standards for curtailment costs, cancellation and lost and stolen baggage, proving that purchasing holiday insurance at the same time as your flights isn't always the way forward.
With the continued flouting of the European Union guidelines despite low-cost carriers knowing the consequences of their actions, it is a good idea to double-check your flight booking before handing over your credit card details. Remember that many airlines will also attempt to add extras such as car hire and airport transfers, so be sure that you have opted out of all the relevant boxes.
It is a good idea to spend some time online shopping around for the best holiday insurance deals. With so many travel insurance companies failing to comply with the guidelines, it is wise to spend some time reading the terms and conditions of the holiday insurance to ensure that the policy you purchase is not only great value for money but also offers cover which is comprehensive enough for your holiday needs.
สมัครสมาชิก:
บทความ (Atom)
