There are many avenues from where you can find insurance policies that meet your budget. It is foolish to skip insurance just because you cannot afford to the same. However, it is equally foolish to spend too much money on your policies. You should opt for such policies that can be sustained over a long period of time by regular payment of premiums.
The resources that help you find affordable insurance policies can be classified as a online resources and offline resources.
Offline resources to get the best insurance rates include consumer forums, government advisory agencies, insurance companies and insurance executives. There are various insurance related publications that give detailed information on the policies followed by different insurers. Obtaining these publications and studying them will help you understand the trends in the insurance market. You can compare your position with the trends to make the necessary changes and improve your chances of getting affordable insurance.
However, not all of us can afford the offline resources. Further, exploiting the resources to get affordable insurance rates requires a certain level of knowledge about insurance and insurance related matters. You can opt for online resources like forums, blogs, web sites and online encyclopedias that give detailed information on various insurance plans and policies available in the market. You can find out why teenage drivers are required to pay more and why life insurance is best adopted when one is young and healthy. You will also find tips on improving chances of finding insurance policies that fit your budget.
Focusing on low rates at all times may lead to the error of choosing the wrong insurance company. An insurance company that requires a lot of paperwork before allowing your health insurance may create complications and difficulties when you fall ill. On the other hand, an insurance company that does not charge a lot and offers a quick settlement of your claims is a much preferable option.
Take your time to study and analyze the various options. You too would agree that online insurance resources are convenient and cost effective. Choose the tool that suits your best and helps you exploit all the options available at your disposal.
It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.
Given the current recession it is important to make sure to prioritize your money and compare insurance quotes online. A good place to state would be
Wednesday, October 14, 2009
Tuesday, October 13, 2009
Go To Nepal and Enjoy Its Beauty – Nepal
Go To Nepal and Enjoy Its Beauty – Nepal by:kham bhadur rana
British and French ambassadors recently said: “There isn’t any kind of security problem along the travel in Nepal. Tourists have nothing to fear. We recommend the Nepalese and the foreigners to experience the spectacular beauty on their own.” French ambassador, Michel Jolivet, who had been to the Khumbu region from April 15-24, had said that he did not
The Himalayan Nepal is one of the favourite tourist destinations in the South Asian region for Malaysians, with more than 8,000 Malaysians visiting the country of some 21 million people in 2003.
Article published in Kathamandu Post Basanta Raj Misras states that “Tourism in Nepal has been hit not only by the insurgency but also by the wrong perception created by the inflated news and other types of misinformation campaign. The misconception has kept significant number of tourists off Nepal, despite improved security situation in the country.
Nepal has a high-powered crisis management cell set up last year comprising of the high level officials from various ministries. The basic objective of the cell was to disseminate correct and authentic news, fight against negative publicity by establishing strong relationship with foreign media, adopting appropriate marketing strategy, suggesting policy measures and handling seen and unforeseen incidents. The crisis management cell that exists at present is almost defunct. It has been unable to rescue the industry.”
Recently Nepal Tourism Board (NTB) has said they will launch a media campaign in India for tourism promotion as arrival from India decreased by 34 per cent in April. At the same time, Nepalese airlines will also launch special packages for the seasons and the NTB will cooperate with them. NTB has also invited 17 Indian journalists from Mumbai and Delhi. They said the overall security situation of Nepal is conducive enough to run any type of tourism activity in major tourism destinations. The present statistics show that about 300,000 tourists arrive in Nepal annually.
Today, Nepal is suffering from severe problems with tourism a major victim. The extensive negative coverage in the foreign media have hit foreign tourist arrivals to the country. The economic decline during the last year and a half has been painful for all Nepalese. Political violence has weakened Nepal’s largely tourism-based economy, but we Nepali argue to our friendly nations to visit Nepal and enjoy its beauty.
Nepal is a safe and peaceful destination for travellers. The Nepali travel industry hope all the tourists come over to Nepal with greater vigour and warm hospitality for the upcoming high season. They also said tourists can plan their holidays to Nepal without any violence. Nepal also is committed to provide all kind of facilities and hospitality to tourists. In order to better facilitate tourists, the Tourism Crisis Response Action Unit at Nepal Tourism Board responds to the queries and facilitates or takes necessary initiatives.
Nepalese are hospitable, lovable and peaceful. Tourism in Nepal can only flourish if our friendly nations visit to Nepal.
When we take into account the Maoists problem and the political unrest, Nepal has been a difficult destination to sell anyway. Travel agencies and airlines accounted for huge cancellations and changes. No sector of the travel industry remained unaffected. Many hotels throughout the country were forced to close. With the situation today, most people are afraid to travel to Nepal but Nepal is totally safe for the tourists. When travel industry are offered the opportunity to bring tourists into the country, the flow of investment also increases.
Even Nepal knows to encourage international airlines and hotel chains, to set up shop in Nepal by providing them with land, price and tax concessions. There needs to be a more proactive marketing approach to attracting tourists.
The tourism industry directly employs about 250,000 people in Nepal, and one million others have jobs closely tied to the country’s tourism infrastructure. There are 3,310 peaks in Nepal, out of which 304 have been opened for climbing. The government has categorized 126 peaks as trekking peaks, out of which 75 peaks were opened for trekking last year and there are 33 peaks under Nepal Mountaineering Association.
As trekking has helped in the mobilization of local resources and uplift the status of poor people in the rural areas, while 500,000 tourists had come to Nepal in 1999, only half of the number visited the last year as well as revenue in all the major national parks, declined by about 50 per cent.
The gross earnings from tourism increased from RS 636.8 million to RS 8,251 million in 1994, at current prices, with an average annual growth rate of about 17 per cent. The average contribution of tourism earnings to GDP has increased from 2.3 per cent in 1980 to about 4.2 per cent in 1994.
The government’s commitment to maintaining security in the country is seen as an important indicator for the progress or decline of tourism industry. If the country’s major foreign exchange earner is to be saved, then peace and security have to prevail. A lot of work needs to be done, and it is vital that all groups in Nepal do everything they can to end the pain and suffering this conflict has caused. We know that there is a strong link between tourism and peace. The tourism industry brings about peace because it promotes and supports the belief that every traveler is a potential ‘ambassador for peace’. It can also be a vehicle for economic and social development. Recognising the importance of tourism as a significant industry in the promotion of economic benefits and social unity.
Although tourism is important to Nepal’s economy, we need more international financial aid as well as technical assistance. The existing rules and regulations need to be re-looked into and supportive legal framework has to be developed for the success of eco-tourism in Nepal.
Even Nepal’s tourism is affected because tourism in India, the Gulf and Far East are affected. We know that the decline in third country tourists is a result of the global tourism downturn, especially followed by an increasing threat of SARS. The number of tourists from the third world countries recorded a decline in Nepal because of the high cost of marketing in the international market. Several issues have been raised for the development of the tourism sector, but the implementation aspect of the recommendations is too poor in Nepal, so long run planning is required for the revival of the tourism business. However, a lot is still to be done. The situation can definitely be improved if certain steps are taken. Facilities such as clean drinking water, sanitation, good transportation system, construction of good roadways are prerequisites to attract tourists.
British and French ambassadors recently said: “There isn’t any kind of security problem along the travel in Nepal. Tourists have nothing to fear. We recommend the Nepalese and the foreigners to experience the spectacular beauty on their own.” French ambassador, Michel Jolivet, who had been to the Khumbu region from April 15-24, had said that he did not
face any kind of security threats during his trip.
The Himalayan Nepal is one of the favourite tourist destinations in the South Asian region for Malaysians, with more than 8,000 Malaysians visiting the country of some 21 million people in 2003.kingdom’s Charge d’Affaires in Malaysia, Deepak Dhital said “There is nothing to fear about visiting Nepal. Tourists have never been a target (of violence). That no tourist, whether from Malaysia or any other country, had been targeted by the rebels. Much of the violence took place in remote and rural areas while top tourist destinations such as the Kathmandu Valley, Pokhara and national parks were secure and free from any incident.” he told Bernama.
He also said negative media reports about Nepal had contributed and given a wrong impression about the overall situation in the country, known for the world’s highest peak, Mount Everest.
Nepal is one of the most beautiful country due to its unique geographical position and latitudinal variation. Tourism has been a major source of foreign currency earning and also a major contributor to our national economy.
He also said negative media reports about Nepal had contributed and given a wrong impression about the overall situation in the country, known for the world’s highest peak, Mount Everest.
Nepal is one of the most beautiful country due to its unique geographical position and latitudinal variation. Tourism has been a major source of foreign currency earning and also a major contributor to our national economy.
Article published in Kathamandu Post Basanta Raj Misras states that “Tourism in Nepal has been hit not only by the insurgency but also by the wrong perception created by the inflated news and other types of misinformation campaign. The misconception has kept significant number of tourists off Nepal, despite improved security situation in the country.
Nepal has a high-powered crisis management cell set up last year comprising of the high level officials from various ministries. The basic objective of the cell was to disseminate correct and authentic news, fight against negative publicity by establishing strong relationship with foreign media, adopting appropriate marketing strategy, suggesting policy measures and handling seen and unforeseen incidents. The crisis management cell that exists at present is almost defunct. It has been unable to rescue the industry.”
Recently Nepal Tourism Board (NTB) has said they will launch a media campaign in India for tourism promotion as arrival from India decreased by 34 per cent in April. At the same time, Nepalese airlines will also launch special packages for the seasons and the NTB will cooperate with them. NTB has also invited 17 Indian journalists from Mumbai and Delhi. They said the overall security situation of Nepal is conducive enough to run any type of tourism activity in major tourism destinations. The present statistics show that about 300,000 tourists arrive in Nepal annually.
Today, Nepal is suffering from severe problems with tourism a major victim. The extensive negative coverage in the foreign media have hit foreign tourist arrivals to the country. The economic decline during the last year and a half has been painful for all Nepalese. Political violence has weakened Nepal’s largely tourism-based economy, but we Nepali argue to our friendly nations to visit Nepal and enjoy its beauty.
Nepal is a safe and peaceful destination for travellers. The Nepali travel industry hope all the tourists come over to Nepal with greater vigour and warm hospitality for the upcoming high season. They also said tourists can plan their holidays to Nepal without any violence. Nepal also is committed to provide all kind of facilities and hospitality to tourists. In order to better facilitate tourists, the Tourism Crisis Response Action Unit at Nepal Tourism Board responds to the queries and facilitates or takes necessary initiatives.
Nepalese are hospitable, lovable and peaceful. Tourism in Nepal can only flourish if our friendly nations visit to Nepal.
When we take into account the Maoists problem and the political unrest, Nepal has been a difficult destination to sell anyway. Travel agencies and airlines accounted for huge cancellations and changes. No sector of the travel industry remained unaffected. Many hotels throughout the country were forced to close. With the situation today, most people are afraid to travel to Nepal but Nepal is totally safe for the tourists. When travel industry are offered the opportunity to bring tourists into the country, the flow of investment also increases.
Even Nepal knows to encourage international airlines and hotel chains, to set up shop in Nepal by providing them with land, price and tax concessions. There needs to be a more proactive marketing approach to attracting tourists.
The tourism industry directly employs about 250,000 people in Nepal, and one million others have jobs closely tied to the country’s tourism infrastructure. There are 3,310 peaks in Nepal, out of which 304 have been opened for climbing. The government has categorized 126 peaks as trekking peaks, out of which 75 peaks were opened for trekking last year and there are 33 peaks under Nepal Mountaineering Association.
As trekking has helped in the mobilization of local resources and uplift the status of poor people in the rural areas, while 500,000 tourists had come to Nepal in 1999, only half of the number visited the last year as well as revenue in all the major national parks, declined by about 50 per cent.
The gross earnings from tourism increased from RS 636.8 million to RS 8,251 million in 1994, at current prices, with an average annual growth rate of about 17 per cent. The average contribution of tourism earnings to GDP has increased from 2.3 per cent in 1980 to about 4.2 per cent in 1994.
The government’s commitment to maintaining security in the country is seen as an important indicator for the progress or decline of tourism industry. If the country’s major foreign exchange earner is to be saved, then peace and security have to prevail. A lot of work needs to be done, and it is vital that all groups in Nepal do everything they can to end the pain and suffering this conflict has caused. We know that there is a strong link between tourism and peace. The tourism industry brings about peace because it promotes and supports the belief that every traveler is a potential ‘ambassador for peace’. It can also be a vehicle for economic and social development. Recognising the importance of tourism as a significant industry in the promotion of economic benefits and social unity.
Although tourism is important to Nepal’s economy, we need more international financial aid as well as technical assistance. The existing rules and regulations need to be re-looked into and supportive legal framework has to be developed for the success of eco-tourism in Nepal.
Even Nepal’s tourism is affected because tourism in India, the Gulf and Far East are affected. We know that the decline in third country tourists is a result of the global tourism downturn, especially followed by an increasing threat of SARS. The number of tourists from the third world countries recorded a decline in Nepal because of the high cost of marketing in the international market. Several issues have been raised for the development of the tourism sector, but the implementation aspect of the recommendations is too poor in Nepal, so long run planning is required for the revival of the tourism business. However, a lot is still to be done. The situation can definitely be improved if certain steps are taken. Facilities such as clean drinking water, sanitation, good transportation system, construction of good roadways are prerequisites to attract tourists.
Affirmation Talisman Necklace
Sympathy, Loss, and Memorial Jewelry
Affirmation Talisman Necklacesterling handmade tag necklace
Affirmation Talisman Necklacesterling handmade tag necklace
A handmade sterling silver tag, handstamped with a simple affirmation that resonates deeply of our innermost desires. Each affirmation tag is paired with a gemstone charm to lend it's healing energies to what requires attention now. If you do not see the affirmation that you were hoping for, please contact us for a custom affirmation necklace to be made that reflects your unique story. Strung on an adjustable leather cord.
Monday, October 12, 2009
So What are Stephanie & Margo Doing Differently
support!The Solution to Flabby Abs Was Born!
I started immersing myself in some of the best legitimate exercise research journals out there, reading countless books from some of the best strength coaches and trainers in the world, and soaking up the info from some of the best nutritional books and journals from the top authorities in the world on the subject.
''mansay same tak''
That Has Kick-Started Them Into a Whole New Lifestyle of
Feeling Good & Looking Sexy?
Well, what they are doing is a uniquely designed full body program I put together called The Truth about Six Pack Abs.
After years of seeing so many frustrated people struggling with excess body fat and flabby abs and literally wasting their hard-earned money on worthless fat-loss products and six-pack abs gimmicks... I decided it was time to put together my own unique system to solve this problem.
Time and time again I even saw my friends and family just being flat-out scammed by the unscrupulous marketers in the fitness industry selling you all of this garbage that isn't going to do anything at all to change your body for the better... It's only going to make their wallets fatter!
What I did was put together an innovative scientifically-based fitness program that has finally revealed the truth about abdominals, stomach fat & love handles, and is helping tens of thousands of people around the world to finally conquer their struggle.
Keep reading below and you'll see how I also arranged for you to get a Free DVD from world-famous trainer (from Season's 3 & 4 of The Biggest Loser), Kim Lyons! And I'll even give you exclusive access to a membership site to chat live directly with Kim and other
members for
support!The Solution to Flabby Abs Was Born!As I was developing this program, I dedicated myself non-stop to researching as much legitimate information as I could get my hands on for losing body fat (particularly that stubborn fat that covers the abs). I also researched all of the best information on developing the abdominals as best as possible as well as studying the techniques of working the deeper transversus abdominis & multifidus to help "pull-in" your stomach and help to make it flatter over time.
I started immersing myself in some of the best legitimate exercise research journals out there, reading countless books from some of the best strength coaches and trainers in the world, and soaking up the info from some of the best nutritional books and journals from the top authorities in the world on the subject.
I also dedicated myself to being a top-notch fitness professional as I became a Certified Personal Trainer, a Certified Nutrition Specialist, and eventually years later, an international author and authority on the subject of "six-pack abs" and fat loss.
I also used my daily training of fitness clients, as well as my own training methods, to determine "in the trenches", what worked and what didn't for getting rid of that stubborn abdominal fat. The end result is a winning solution for ridding yourself of that extra belly fat and developing flat sexy 6-pack abs the right way! And it's all found in my internationally popular program, The Truth about Six Pack Abs.
''mansay same tak''
1 "...I went from a size 14 to a 5. Weight wise I was around 190 lbs when I started and now I am 120 lbs... It’s been a total lifestyle change..."
2"...I like the variety and the shorter workouts, as apposed to the long boring workouts and repetitive isolating exercises I used to do..."
3"...I am down now to between 7-8% body fat (according to my Tanita scale), have lost a total of 3-4 inches in the waist..."
4"...I've definitely been doing all of the wrong types of cardio and the wrong types of strength exercises..."
5"...I looked like "barrel boy" with no definition and a bonafide gut last year. I'm down from 24% bodyfat to 7.4% bodyfat currently! ..."
6"...and surprisingly, I can already see some positive changes to my body..."
7"...I was running regularly and working out sometimes, but I was still getting fatter... Everything changed when I started your truth about abs program..."
8"...A loss of 7 inches in 11 weeks! ..."
9"...Yesterday a colleague of mine said, "you're looking very toned, what are you doing?" I felt GREAT..."
10"...I did start applying your diet and food recommendations, and even with just that, I've already lost 6 lbs (10 lbs to go)..."
Thank you very much,
khim bhadur rana-pokhara, campes, nepal.
email;pokhara_one@yahoo.com
phon number;9846103944
Stop Making It Harder on Your Body
Think about this... if what you've been doing all these years hasn't been getting you the results you want, doing more of that same thing won't get you any further! If doing 4 hours of cardio a week hasn't worked for you, why do you believe that doing 7 hours of cardio will?
If doing 100 crunches a day hasn't gotten you the results you want, why do you think that doing 200 crunches a day will? Of course you remember that doing the same things over and over and expecting different results is the definition of insanity!
The truth is that all of these techniques are WRONG and ineffective ways to workout. In fact, doing excessive cardio is actually working against your results because you are stimulating excessive cortisol production in your body and breaking down lean muscle tissue... all of which leads to the slowing down of your metabolic rate over time and deposition of even more belly fat on top of what you already have.
Also, wasting most of your workout time with ineffective abs exercises such as crunches, situps, and torso twists actually goes directly against your fat loss efforts as well. You see, the time you waste with doing all of these fairly ineffective abs exercises, is really just keeping you from doing the truly effective full body exercise combinations that actually stimulate your fat burning hormones and increase your metabolic rate for as much as 24-48 hours after each workout. You don't get that with "ab workouts" or "cardio"!
When you get these types of full body metabolic-surge workouts right, the excess belly fat starts to melt off quicker than you ever could have imagined. Yes, it IS going to take a little work though. You're not going to be able to just be lazy and sit on the couch every day hoping for your dream body to come true. Don't worry though, it's a system that can be applied by anyone, regardless of your age or current conditioning.
95% of Women Make These Same Mistakes Over and Over
Over the last 10 years of training and consulting hundreds of women on nutrition, quite a few patterns started to emerge and I noticed most women were falling into many of the same traps. Some of them I mentioned above with the excess cardio, the time wasted doing crunches & situps, the bogus fat-burner pills, the worthless ab gadgets, the grocery store mistakes, and the failed diets time and time again.
Stephanie and Margo had also fallen into the same traps and struggled with their fitness for years due to these mistakes. But something changed immediately when they starting using the workout and dietary techniques that I revealed to them.
They finally started getting results and losing layer upon layer of ugly body fat after years of struggling to lose even a couple of pounds!
Change Your Methods Drasticallyand Your Body Will Change Drastically... Get Out That Bikini!
After finally changing her ways and adopting a new way of thinking about food, working out, and what she can achieve, Stephanie has lost over 70 lbs and literally made herself an entirely new person. She feels more energetic, looks about 10 years younger now, and is finally confident to wear whatever she wants out of the house now, after years of being self conscious. I'll show you Stephanie's pictures in a minute. Wait til you see them... very inspirational.
Margo also lost 23 lbs so far and is feeling the best she has in over 2 decades after implementing these techniques that she learned in my system. She's actually enjoying food more now than ever before, yet still losing weight and firming up her entire body.
If doing 100 crunches a day hasn't gotten you the results you want, why do you think that doing 200 crunches a day will? Of course you remember that doing the same things over and over and expecting different results is the definition of insanity!
The truth is that all of these techniques are WRONG and ineffective ways to workout. In fact, doing excessive cardio is actually working against your results because you are stimulating excessive cortisol production in your body and breaking down lean muscle tissue... all of which leads to the slowing down of your metabolic rate over time and deposition of even more belly fat on top of what you already have.
Also, wasting most of your workout time with ineffective abs exercises such as crunches, situps, and torso twists actually goes directly against your fat loss efforts as well. You see, the time you waste with doing all of these fairly ineffective abs exercises, is really just keeping you from doing the truly effective full body exercise combinations that actually stimulate your fat burning hormones and increase your metabolic rate for as much as 24-48 hours after each workout. You don't get that with "ab workouts" or "cardio"!
When you get these types of full body metabolic-surge workouts right, the excess belly fat starts to melt off quicker than you ever could have imagined. Yes, it IS going to take a little work though. You're not going to be able to just be lazy and sit on the couch every day hoping for your dream body to come true. Don't worry though, it's a system that can be applied by anyone, regardless of your age or current conditioning.
95% of Women Make These Same Mistakes Over and Over
Over the last 10 years of training and consulting hundreds of women on nutrition, quite a few patterns started to emerge and I noticed most women were falling into many of the same traps. Some of them I mentioned above with the excess cardio, the time wasted doing crunches & situps, the bogus fat-burner pills, the worthless ab gadgets, the grocery store mistakes, and the failed diets time and time again.
Stephanie and Margo had also fallen into the same traps and struggled with their fitness for years due to these mistakes. But something changed immediately when they starting using the workout and dietary techniques that I revealed to them.
They finally started getting results and losing layer upon layer of ugly body fat after years of struggling to lose even a couple of pounds!
Change Your Methods Drasticallyand Your Body Will Change Drastically... Get Out That Bikini!
After finally changing her ways and adopting a new way of thinking about food, working out, and what she can achieve, Stephanie has lost over 70 lbs and literally made herself an entirely new person. She feels more energetic, looks about 10 years younger now, and is finally confident to wear whatever she wants out of the house now, after years of being self conscious. I'll show you Stephanie's pictures in a minute. Wait til you see them... very inspirational.
Margo also lost 23 lbs so far and is feeling the best she has in over 2 decades after implementing these techniques that she learned in my system. She's actually enjoying food more now than ever before, yet still losing weight and firming up her entire body.
Well, that was a waste of money!
So... If Hours of Cardio, Hundreds of Crunches, $100's of Dollars of Wasted Fat-Burner Pills, and the Gimmick Ab-Belts & Abdominizer Machines Don't Work... What Does Work to Get That Tight Sexy Stomach?
I'm going to introduce to you what does work by telling you a real quick story about two women that I personally witnessed make spectacular changes in their bodies by trying something drastically different than what they had done in the past.You see, as a Certified Nutrition Specialist & Certified Personal Trainer, I've trained hundreds of women over the last 10 years in person... and that doesn't even count the thousands of women that have used my programs online over the last few years since I've become an internationally recognized fitness expert.
This isn't about me though, this is about you getting the fat loss and tummy sculpting results you've always wanted, and what you can learn from 2 very different women... Stephanie and Margo.
Stephanie and Margo are 27 and 59 years old respectively. I use them as examples because of their age differences, yet both of them achieving very similar results... and inspiring results at that! When they first came to me, they were spewing a lot of the same old negative beliefs about their body that I see so many women have... they would say things such as:
"Oh, I'll never lose weight... my metabolism is shot and just way too slow!"or"I'll just have to accept my flabby body the way it is because with my genetics, I'll never get a flat stomach."or"I've tried everything and nothing works... I'm doomed to have this pooch-belly and love handle rolls for life!"or"I just don't have time to get in shape... it's just impossible for me with my busy schedule... I should just give up."
The fact is... they both proved ALL of these beliefs DEAD WRONG! And so have thousands of other women that changed their mindset, their workout techniques, and their nutrition habits drastically from their old habits that weren't working.
I'm going to introduce to you what does work by telling you a real quick story about two women that I personally witnessed make spectacular changes in their bodies by trying something drastically different than what they had done in the past.You see, as a Certified Nutrition Specialist & Certified Personal Trainer, I've trained hundreds of women over the last 10 years in person... and that doesn't even count the thousands of women that have used my programs online over the last few years since I've become an internationally recognized fitness expert.
This isn't about me though, this is about you getting the fat loss and tummy sculpting results you've always wanted, and what you can learn from 2 very different women... Stephanie and Margo.
Stephanie and Margo are 27 and 59 years old respectively. I use them as examples because of their age differences, yet both of them achieving very similar results... and inspiring results at that! When they first came to me, they were spewing a lot of the same old negative beliefs about their body that I see so many women have... they would say things such as:
"Oh, I'll never lose weight... my metabolism is shot and just way too slow!"or"I'll just have to accept my flabby body the way it is because with my genetics, I'll never get a flat stomach."or"I've tried everything and nothing works... I'm doomed to have this pooch-belly and love handle rolls for life!"or"I just don't have time to get in shape... it's just impossible for me with my busy schedule... I should just give up."
The fact is... they both proved ALL of these beliefs DEAD WRONG! And so have thousands of other women that changed their mindset, their workout techniques, and their nutrition habits drastically from their old habits that weren't working.
5 Facts You MUST Understand if You Are Ever Going to Lose Your Belly Fat and Get Six Pack Abs
1. Many so-called "health foods" are actually cleverly disguised junk foods that actually stimulate you to gain more belly fat... yet the diet food marketing industry continues to lie to you so they can maximize their profits.
2. Ab exercises like crunches, sit-ups, and ab machines are the LEAST effective method of getting flat six pack abs. We'll explore what types of exercises REALLY work in a minute.
3. Boring repetitive cardio exercise routines are NOT the best way to lose body fat and uncover those six pack abs. I'll show you the exact types of unique workouts that produce 10x better results below.
4. You DON'T need to waste your money on expensive "extreme fat burner" pills (that don't work) or other bogus supplements. A special class of natural foods is much more effective. I'll tell you about these natural foods and their powers below.
5. Ab belts, ab-rockers, ab-loungers, and other infomercial ab-gimmicks... they're all a complete waste of your time and money. Despite the misleading infomercials, the perfectly chiseled fitness models in the commercials did NOT get their perfect body by using that "ab contraption"... they got their perfect body through REAL workouts and REAL nutrition strategies. Again, you'll learn some of their secrets and what really works below.
Burial Insurance Benefits
These days, buying different kinds of insurance is very popular-auto, life, and so on. However, many people are still hesitant about buying burial insurance, when in fact, this is something that they should pay more attention to because it will surely happen sooner or later. Moreover, you can get a lot of benefits from buying burial insurance while you are still young.
One great benefit of buying burial insurance is something that you cannot buy anywhere, and that is peace of mind. You will sleep well everyday knowing that if anything bad happened to you, your family will be safe and secured.
If everything has been taken care of when the time comes for you to say goodbye, your family can mourn peacefully without having to worry about burial costs and expenses. The death of someone you love is devastating enough, but worrying about financial aspects of your loved one's death at the same time might be a little bit too much to handle.
Another great benefit of burial insurance is that you can choose what kind of funeral or burial service you would like to have down to the smallest detail. You can choose the kinds of flowers and their arrangements, music, color and style of the casket and so on. It might sound morbid for some people but it is not impractical. The truth is, many people buy burial insurance not to save money but to ensure that their burial service is something that they will like.
The premium that you need to pay monthly will definitely not go to waste because death is inevitable and something that we cannot prevent from happening. Every person will eventually die and the only thing that most people wonder about is "when." But for other insurance plans like auto insurance, the premium that you are paying every month may go to waste if no accidents happen which involve your car.
Burial insurance allows you to gradually save money to your bank account. Just imagine if you do not have a burial plan and suddenly you fell down and die. This will give your family a hard time paying for all the costs and expenses. It will cause a big dent in your wallet if you have not decided to pay everything in advance.
One great benefit of buying burial insurance is something that you cannot buy anywhere, and that is peace of mind. You will sleep well everyday knowing that if anything bad happened to you, your family will be safe and secured.
If everything has been taken care of when the time comes for you to say goodbye, your family can mourn peacefully without having to worry about burial costs and expenses. The death of someone you love is devastating enough, but worrying about financial aspects of your loved one's death at the same time might be a little bit too much to handle.
Another great benefit of burial insurance is that you can choose what kind of funeral or burial service you would like to have down to the smallest detail. You can choose the kinds of flowers and their arrangements, music, color and style of the casket and so on. It might sound morbid for some people but it is not impractical. The truth is, many people buy burial insurance not to save money but to ensure that their burial service is something that they will like.
The premium that you need to pay monthly will definitely not go to waste because death is inevitable and something that we cannot prevent from happening. Every person will eventually die and the only thing that most people wonder about is "when." But for other insurance plans like auto insurance, the premium that you are paying every month may go to waste if no accidents happen which involve your car.
Burial insurance allows you to gradually save money to your bank account. Just imagine if you do not have a burial plan and suddenly you fell down and die. This will give your family a hard time paying for all the costs and expenses. It will cause a big dent in your wallet if you have not decided to pay everything in advance.
Factors That Affect Your Insurance Quote
One of the main factors taken into account by insurance providers when you apply for an insurance quote for Northern Ireland is the fact that you live in NI. There are still insurance providers that simply do not want to give you insurance because of where you live and this stems back to the many years of unrest that was seen in Northern Ireland. Times have of course changed there, but some providers are still unprepared to offer the same deals they do to the UK, even now. If you want access to competitively priced insurance then you may want to search for cover with a specialist website.
Of course, other factors may affect your insurance quote. Here we look at some of them and look at ways which may help you to keep down the cost of your insurance.
The amount of excess
With most insurance policies you will have to pay so much as an excess towards a claim, if a claim were to be made on the policy. If you make a claim on your cover, you pay the excess in a lump sum before the insurance company takes over the rest of the claim. You are always asked to pay a minimum amount in excess, but you may offer to pay over this amount. If you opt to pay more for your excess then you may get a small discount on your insurance premiums.
The security of your home or car
The more security measures you have on your car, caravan, motorbike or home the less you may have to pay for insurance premiums. You may be able to get a percentage knocked off your premiums if you install things like a home or vehicle alarm, an immobiliser or tracking device on your vehicle or have security lighting, fencing and door and window locks on your property.
Where you choose to park your vehicle
If you park your car or motorbike overnight in a garage and have a good quality lock on the door then you may be able to save money on your car insurance quote for Northern Ireland. If you leave your vehicle by the side of the road it may be at risk to vandals, may be stolen or it may be damaged by passing vehicles. All of these risks may boost up the cost of your insurance.
www.nepal-insurance10.blogspot.com
Of course, other factors may affect your insurance quote. Here we look at some of them and look at ways which may help you to keep down the cost of your insurance.
The amount of excess
With most insurance policies you will have to pay so much as an excess towards a claim, if a claim were to be made on the policy. If you make a claim on your cover, you pay the excess in a lump sum before the insurance company takes over the rest of the claim. You are always asked to pay a minimum amount in excess, but you may offer to pay over this amount. If you opt to pay more for your excess then you may get a small discount on your insurance premiums.
The security of your home or car
The more security measures you have on your car, caravan, motorbike or home the less you may have to pay for insurance premiums. You may be able to get a percentage knocked off your premiums if you install things like a home or vehicle alarm, an immobiliser or tracking device on your vehicle or have security lighting, fencing and door and window locks on your property.
Where you choose to park your vehicle
If you park your car or motorbike overnight in a garage and have a good quality lock on the door then you may be able to save money on your car insurance quote for Northern Ireland. If you leave your vehicle by the side of the road it may be at risk to vandals, may be stolen or it may be damaged by passing vehicles. All of these risks may boost up the cost of your insurance.
www.nepal-insurance10.blogspot.com
Insurance Brings Peace of Mind
Most people find insurance annoying. People don't understand why it's the law to have insurance on things like their cars, house and businesses. That's because nothing bad has ever happened to them before. The problem with that train of thought is that something bad might happen to them eventually and insurance will be there to help them along the way. Having to deal with problems and expenses that you simply cannot afford at the time is never something to look forward to. Insurance will always be there to back you up and ensure that you won't have to pay the full amount to cover whatever mishap may have occurred.
Auto insurance is the most famous and somewhat annoying insurance out there. The thing about auto insurance is that it is also the most useful and probably most used insurance that people ever buy. People get into accidents all the way, whether it is just a small fender bender or a full on total crash. Accidents do happen, so insurance is there to not only protect you from the law, but to also protect you from having to pay a lot of money straight out of your pocket for something that you may or may not have had any control over. Auto insurance for you works if you get into an accident with someone else and the accident is found to be your fault. Your insurance will pay for the other car's damages while leaving you with a very little bill on your end.
Home insurance is another big one that people need. Although less frequently auto insurance, home insurance is used by a lot of people because accidents happen in the home as well. You cannot control nature, so if nature hits in the form of a fire or flood, you are basically out of luck unless you have insurance. Home insurance will protect you against things like floods and natural disasters and can even be as specific as helping to protect your home from things like break-ins and robbery.
Business insurance is used by all businesses and is extremely important unless you want to get sued for a lot of money. If you own a business, you must get business insurance so that if something happens to any of your employees, you will not need to directly deal with the situation.
Insurance is an important aspect of life, so make sure that you get insured for all of the things that need it in your life.
Auto insurance is the most famous and somewhat annoying insurance out there. The thing about auto insurance is that it is also the most useful and probably most used insurance that people ever buy. People get into accidents all the way, whether it is just a small fender bender or a full on total crash. Accidents do happen, so insurance is there to not only protect you from the law, but to also protect you from having to pay a lot of money straight out of your pocket for something that you may or may not have had any control over. Auto insurance for you works if you get into an accident with someone else and the accident is found to be your fault. Your insurance will pay for the other car's damages while leaving you with a very little bill on your end.
Home insurance is another big one that people need. Although less frequently auto insurance, home insurance is used by a lot of people because accidents happen in the home as well. You cannot control nature, so if nature hits in the form of a fire or flood, you are basically out of luck unless you have insurance. Home insurance will protect you against things like floods and natural disasters and can even be as specific as helping to protect your home from things like break-ins and robbery.
Business insurance is used by all businesses and is extremely important unless you want to get sued for a lot of money. If you own a business, you must get business insurance so that if something happens to any of your employees, you will not need to directly deal with the situation.
Insurance is an important aspect of life, so make sure that you get insured for all of the things that need it in your life.
Finding Insurance Companies
Have you had problems finding insurance companies in Ireland who offer savings on insurance? Very often residents come across brick walls when looking for competitive quotes on various types of insurance, particularly car insurance. When they apply online with some companies offering cover they often come to a stop upon reaching the part that states "not available to residents of Northern Ireland". If you want access to savings on car insurance and live in NI then you might want to take advantage of a specialist car insurance website to search for you.
Why do some insurance providers fail to offer those living in Northern Ireland insurance?
One of the factors taken into account by all insurance providers and which go towards setting the cost of the insurance is security. Many years ago, cars were often stolen and used as burning barricades; this was at a time when there was great unrest in NI. Of course, this meant that motorists in Northern Ireland were seen to be a greater risk and so insurance companies were unwilling to take a chance or premiums were very high to compensate for this.
www.nepal-insurance10.blogspot.com
Things have changed thankfully and there are a number of companies who may be able to provide competitively priced cover for your car if you live in Northern Ireland.
Improve the safety of your car
As mentioned above one of the main factors is security and the safety of your vehicle. You may be able to cut down the cost of your insurance if you install such things as:
· An alarm system
· A tracking device
· An immobiliser
· Have the windows of your car etched with your registration
· Park your vehicle in your garage if you have one
· Park it under a carport on a driveway at the side of your home
Other ways you may be able to save on your premiums
You may also want to consider paying more in the way of excess on the policy. Insurance companies in Ireland ask that you pay the minimum amount but by offering to pay more, you may keep the premiums a little bit lower. In the event of a claim, you do of course need to pay the excess in a lump sum before the insurance company takes over so bear this in mind when choosing how much voluntary excess you wish to pay.
Why do some insurance providers fail to offer those living in Northern Ireland insurance?
One of the factors taken into account by all insurance providers and which go towards setting the cost of the insurance is security. Many years ago, cars were often stolen and used as burning barricades; this was at a time when there was great unrest in NI. Of course, this meant that motorists in Northern Ireland were seen to be a greater risk and so insurance companies were unwilling to take a chance or premiums were very high to compensate for this.
www.nepal-insurance10.blogspot.com
Things have changed thankfully and there are a number of companies who may be able to provide competitively priced cover for your car if you live in Northern Ireland.
Improve the safety of your car
As mentioned above one of the main factors is security and the safety of your vehicle. You may be able to cut down the cost of your insurance if you install such things as:
· An alarm system
· A tracking device
· An immobiliser
· Have the windows of your car etched with your registration
· Park your vehicle in your garage if you have one
· Park it under a carport on a driveway at the side of your home
Other ways you may be able to save on your premiums
You may also want to consider paying more in the way of excess on the policy. Insurance companies in Ireland ask that you pay the minimum amount but by offering to pay more, you may keep the premiums a little bit lower. In the event of a claim, you do of course need to pay the excess in a lump sum before the insurance company takes over so bear this in mind when choosing how much voluntary excess you wish to pay.
Burial Insurance Benefits
nepal-insurance10.blogspot.com
These days, buying different kinds of insurance is very popular-auto, life, and so on. However, many people are still hesitant about buying burial insurance, when in fact, this is something that they should pay more attention to because it will surely happen sooner or later. Moreover, you can get a lot of benefits from buying burial insurance while you are still young.
One great benefit of buying burial insurance is something that you cannot buy anywhere, and that is peace of mind. You will sleep well everyday knowing that if anything bad happened to you, your family will be safe and secured.
If everything has been taken care of when the time comes for you to say goodbye, your family can mourn peacefully without having to worry about burial costs and expenses. The death of someone you love is devastating enough, but worrying about financial aspects of your loved one's death at the same time might be a little bit too much to handle.
Another great benefit of burial insurance is that you can choose what kind of funeral or burial service you would like to have down to the smallest detail. You can choose the kinds of flowers and their arrangements, music, color and style of the casket and so on. It might sound morbid for some people but it is not impractical. The truth is, many people buy burial insurance not to save money but to ensure that their burial service is something that they will like.
The premium that you need to pay monthly will definitely not go to waste because death is inevitable and something that we cannot prevent from happening. Every person will eventually die and the only thing that most people wonder about is "when." But for other insurance plans like auto insurance, the premium that you are paying every month may go to waste if no accidents happen which involve your car.
Burial insurance allows you to gradually save money to your bank account. Just imagine if you do not have a burial plan and suddenly you fell down and die. This will give your family a hard time paying for all the costs and expenses. It will cause a big dent in your wallet if you have not decided to pay everything in advance.
Having burial insurance will give you and your family the peace of mind that all of you deserves.
I enjoy providing information about funerals as this is an area that many people have a difficult time looking at and I like to feel that I can help them with some information. is one of those services that many people do not even realize is available. I also like to write about other aspects of funerals including the , the caskets, funeral poems and eulogy
These days, buying different kinds of insurance is very popular-auto, life, and so on. However, many people are still hesitant about buying burial insurance, when in fact, this is something that they should pay more attention to because it will surely happen sooner or later. Moreover, you can get a lot of benefits from buying burial insurance while you are still young.
One great benefit of buying burial insurance is something that you cannot buy anywhere, and that is peace of mind. You will sleep well everyday knowing that if anything bad happened to you, your family will be safe and secured.
If everything has been taken care of when the time comes for you to say goodbye, your family can mourn peacefully without having to worry about burial costs and expenses. The death of someone you love is devastating enough, but worrying about financial aspects of your loved one's death at the same time might be a little bit too much to handle.
Another great benefit of burial insurance is that you can choose what kind of funeral or burial service you would like to have down to the smallest detail. You can choose the kinds of flowers and their arrangements, music, color and style of the casket and so on. It might sound morbid for some people but it is not impractical. The truth is, many people buy burial insurance not to save money but to ensure that their burial service is something that they will like.
The premium that you need to pay monthly will definitely not go to waste because death is inevitable and something that we cannot prevent from happening. Every person will eventually die and the only thing that most people wonder about is "when." But for other insurance plans like auto insurance, the premium that you are paying every month may go to waste if no accidents happen which involve your car.
Burial insurance allows you to gradually save money to your bank account. Just imagine if you do not have a burial plan and suddenly you fell down and die. This will give your family a hard time paying for all the costs and expenses. It will cause a big dent in your wallet if you have not decided to pay everything in advance.
Having burial insurance will give you and your family the peace of mind that all of you deserves.
I enjoy providing information about funerals as this is an area that many people have a difficult time looking at and I like to feel that I can help them with some information. is one of those services that many people do not even realize is available. I also like to write about other aspects of funerals including the , the caskets, funeral poems and eulogy
The Hard Facts About Accident Forgiveness Insurance
Insurance companies are changing...yes, changing! The slow to move industry is trying to reinvent itself with new options like Accident Forgiveness and Ticket Forgiveness. Allstate Insurance started the move and coined these names but other companies are quick to follow like Progressive, Hartford, GEICO, etc. but some companies have restrictions (not available in all states), qualifications and costs involved. Also, most companies only offer the Accident Forgiveness part - Allstate Insurance does offer both.
Car insurance in California has not offered new options like this since proposition 103 passed in 1988 deeming all insurance companies have to follow the same rules of the 'Good Driver Discount'. Before prop 103, California was considered an "open competition" state and the companies could offer all sorts of discounts and/or surcharges. The general rules of this state mandated discount are as follows...any one that is at fault for an accident that involves injury or gets more than one point on his or hers driving record can no longer qualify for the discount. The rule has not gone away so you may ask, "How do they get around this with accident
forgiveness"? Good Question! Here's how the new options that insurance companies are offering work:
They waive their surcharge for a property damage accident only. This means if the accident involves any injuries than you will see an increase on your premium. Why? Because the company has no control over the 'Good Driver Discount' and this will be removed. Now, your increase will be a lot less than if you didn't have the Accident Forgiveness due to the insurance company is not surcharging you anymore.
If you get one minor ticket your rates will not go up with the Ticket Forgiveness part. Remember, this is for only one ticket for three years so if you get another one - go to traffic school to avoid the charge. And if traffic school is not an option this second ticket will now remove your 'Good Driver Discount'!Every option has rules and restrictions so it's good to be aware of them. This is where having an educated agent helps the most!
When shopping for car insurance look at the companies options. Having accident forgiveness can save you thousands even with the above rules. Studies have shown that having one property damage accident can cost the average California consumer $1800 over a three year period and for one ticket $1200 (cost vary). If having you an extra $5 a month and you drive over 10 miles one way to work, you might want to consider this.
Yes, this is buying insurance on your insurance rate. It might not be for everyone but for commuters, young drivers and commercial drivers that don't have traffic school as an option it really makes sense!
If you'd like more information or get a quote call us at 866-614-3400 Loreen
Insurance Companies - How to Compare Insurance Companies Online & Find the Best Rate
In the world of insurance, knowledge is power. If you understand how insurance plans and policies work, you can negotiate and get the best deal possible. On the other hand, if you are not aware of how the insurance industry works, chances are high that your hard earned money will be utilized by others to earn more profits.
Comparing different insurance companies does not mean you focus on the rate alone. There are various other factors to be considered. Let us take the example of auto insurance. Each and every State has mandated a fixed level of coverage as the minimum auto insurance cover that every individual must possess. If your insurance company does not bother to inform you that the state mandated limit is too low and may lead to a big hole in your pocket, then you are probably dealing with an inferior insurance company. On the other hand if you are told that your decision may prove costly in the long run, you are dealing with an insurer who treats your money as his own.
It is important to win the war before they even start the battle. If you make use of online insurance quotes, you can determine the cost of various insurance policies at different levels of coverage. Once this information is your hands, you can bargain from a position of strength. You can question the policies followed by insurance companies and can argue why you should be treated differently.
You can show your willingness to opt for a combined insurance cover consisting of home, auto, life insurance etc. This will help reduce the premium rates. You can analyze the response of different insurers and choose the one that suits your best.
The insurance rate is the most important factor to be considered when comparing insurance companies. It is the most basic parameter that witnesses a lot of confusion as well as a lot of competition. Online quotes help you compare rates as well as the quality of service provided by insurance companies. Quick comparison of the costs of insurance enables you to take decisions very quickly.
Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.
FreeDebtSettlementAdvice.com is one of the largest and most respected debt relief networks on the marketplace today. To find a debt settlement company through FreeDebtSettlementAdvice.com check out the following link:
Sunday, October 11, 2009
Sexy cougar julia
Sexy Cougar Julia Ann is real horny tonight and decides to go on the hunt for a young man. She not only wants a young man but she wants a young man with a big dick!She goes down to the local bar and all the men jaws drop as she enters!Thats when she realizes she won't have to try 
hard to catch her p ...
hard to catch her p ... Friday, October 9, 2009
Get an Online Insurance Quote - How to Save Loads of Money With a Quick Online Insurance Quote
Let us presume that you are searching for an insurance policy for your teenage son or daughter who has just obtained a driving license. You want to ensure that the life of your child is insured before the risk of accidents and mishaps becomes very high.
Where will you find companies that specialize in providing insurance for this age group? How will you find out what factors are considered by insurance companies when calculating the premium for such individuals? Do you know that the grades obtained by your child in college have a lot of significance as far as computation of insurance premium is concerned? If you know the answers to these questions when searching for insurance for your child, chances are very high that you will save lots of money on your insurance policy.
You can find all the answers you want with the help of insurance quotes available on the World Wide Web. Of course, no site will provide you the exact answers directly. You simply have to change the information provided to the online comparison web sites to understand the impact of different factors on the premium of the policy. You will discover that the fact that your son is young and healthy will be offset by the fact that he smokes. This is one incentive for your son to stop smoking. It will help them qualify for cheaper insurance deals.
Statistics have led insurance companies to conclude that those who perform well at college tend to be responsible citizens and do not get involved in accidents or mishaps that lead to insurance claims. This is a very favorable point as far as auto insurers are concerned.
Further, steps taken to improve your child's driving ability will go a long way in bringing down his or her auto insurance premium. All you need to do is find the right website said that provides quotes obtained from different insurance companies. Once you compare the quotes, you can easily estimate the savings that you enjoy as a result of logging onto the web. What is more, you can encourage your child to assist you in finding the best insurance policy. This will give them a sense of responsibility and they will feel proud about the fact that their web surfing abilities was used to find the best deal.
It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.
Given the current recession it is important to make sure to prioritize
Where will you find companies that specialize in providing insurance for this age group? How will you find out what factors are considered by insurance companies when calculating the premium for such individuals? Do you know that the grades obtained by your child in college have a lot of significance as far as computation of insurance premium is concerned? If you know the answers to these questions when searching for insurance for your child, chances are very high that you will save lots of money on your insurance policy.
You can find all the answers you want with the help of insurance quotes available on the World Wide Web. Of course, no site will provide you the exact answers directly. You simply have to change the information provided to the online comparison web sites to understand the impact of different factors on the premium of the policy. You will discover that the fact that your son is young and healthy will be offset by the fact that he smokes. This is one incentive for your son to stop smoking. It will help them qualify for cheaper insurance deals.
Statistics have led insurance companies to conclude that those who perform well at college tend to be responsible citizens and do not get involved in accidents or mishaps that lead to insurance claims. This is a very favorable point as far as auto insurers are concerned.
Further, steps taken to improve your child's driving ability will go a long way in bringing down his or her auto insurance premium. All you need to do is find the right website said that provides quotes obtained from different insurance companies. Once you compare the quotes, you can easily estimate the savings that you enjoy as a result of logging onto the web. What is more, you can encourage your child to assist you in finding the best insurance policy. This will give them a sense of responsibility and they will feel proud about the fact that their web surfing abilities was used to find the best deal.
It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.
Given the current recession it is important to make sure to prioritize
Thursday, October 8, 2009
Reservation of Rights - What is It?
This is a hard subject to explain to a lot of people. Let me start by saying that you need to understand what is in this article before you blow your top at some insurance adjuster. There are ways around a reservation of rights defense, but you have to be stealthy and above all, you have to remain calm. I'm going to speak on Texas and specifically on auto insurance as Texas is my home State and auto insurance is where I have the most experience, although the reservation of rights or its equivalent exists in almost every State in the U.S. and can come about on claims that are not automobile claims.
Okay, so if you have found this article, either you are an insurance adjuster doing some research or you are involved in a claim and being advised that your claim is not being paid at this time and that they are putting the claim on a "reservation of rights". Additionally, the damages you have sustained were most likely caused in a very clearly negligent manner and it is escaping you as to why the insurance company would not pay for the damages (sorta like you have been rear-ended, right?). On top of that, it is also clear that the person who hit you has a good insurance policy, right? So what is the dang deal? Why isn't the insurance company paying you, don't they know you could win a suit hands down?
Relax! Why are you so mad at the insurance company? Is it your insurance company? I don't think so! The reservation of rights defense is best described with an example outside of insurance. Think of it like this.
Imagine you have agreed with your friend Sam (in writing, too) that you will buy one apple at 12345 Mart every time he buys one stick of gum from 12345 Mart, okay? Also, as part of the deal, 12345 Mart can call you directly every time Sam buys gum from them, and provided that they have a receipt showing the gum purchase, you have to buy the apples. Now for the reservation of rights part... As an additional part of the agreement you have with Sam, he agreed to confirm with you that he indeed bought gum every time 12345 Mart asks you to buy apples. The problem is that Sam won't return your calls, and he is not responding to mail, and he works all day, so you are having a hard time getting in touch with him for confirmation. In order to keep from being hounded or sued by 12345 Mart, you will be forced to send them a letter saying that Sam hasn't kept his end of the deal and you can't keep buying apples from them if Sam won't confirm he has bought gum. So unless you trust that 12345 Mart is completely honest and is not buying their own gum to produce a receipt, you will send that letter. That letter is the same as a reservation of rights letter.
So if you are 12345 Mart, and Sam has bought 1000 sticks of gum from you, how to you get your apple purchases? The answer is simple, find Sam! The other exceptions to the reservation of rights are when there is irrefutable evidence that Sam indeed purchased gum sticks (like 12345 Mart has a video of him, or they have a signed statement from Sam saying he bought the gum). If there is no question as to whether Sam bought the gum, then the reservation of rights letter shouldn't be used. In an auto accident, it is normally not a valid defense to use a reservation of rights if there is a police report showing the driver of the at fault vehicle is the same as the named insured on the policy of insurance and the police report shows a clear fault scenario like a rear-ender. I hope you now understand the reservation of rights. It is the insurance company's claim that their policy holder has failed to live up to their end of the insuring agreement, and they can legally hold off on payment until they have all the information they need to complete a coverage and liability investigation, they will not assume anything.
What is a Burial Insurance Policy?
Have you priced a burial insurance policy yet? While no one likes to think about loved ones dying, consumers today need to do as much pre-planning for this final expense as they possibly can. It is estimated today that on average a basic funeral easily exceeds the $10,000 mark.
With social security and inadequate life insurance policies only covering a portion of this expense, many consumers are looking for away to make this final expense easier for left behind loved ones to deal with. They are doing this by purchasing what is called a burial insurance policy which gives the consumer the flexibility of basically pre-planning their funeral.
With having the ability to pre-plan a funeral not only does this help loved ones left behind but, it also allows consumers to pre-purchase some services at today's cost. This type of insurance policy also gives the loved ones left behind the flexibility in paying off remaining debts or expenses left behind by the deceased.
So, how does this type of insurance policy work? Setting up this type of policy is basically the same as setting up any other policy. A total coverage amount is chosen based on what the consumer can afford to pay and then the services covered are chosen. Depending on what the individual state's laws are many funeral type services can be pre-paid for with one of these policies.
Some of the expenses covered can be the casket, crematio
n, embalming, grave marker, flowers, funeral vehicles, and the cemetery plot. Any monies left over after having this services paid for can then be used for any other expenses or debts that the deceased may have left behind like credit cards, mortgage, legal fees or doctor bills.
The burial insurance policy can also insure that the deceased receives the funeral that they would have wanted while, leaving monies available for loved ones to take care of any other final expense without having to cut into their inheritance.
Before purchasing a burial insurance policy in your state, it is important to find out what the state laws are concerning these types of policies. It is also important to verify the license of the funeral director that your will be planning your services with. Also, make sure that your policy can transfer in case you are relocated or have to move anytime before your death.
While no one likes to think about losing their loved ones, it is important in today's world that consumers realize the final expense of a funeral can be a huge burden for anyone to endure. But, by obtaining a burial insurance policy and having some of the funeral services pre-planned can help relieve unnecessary stress for your loved ones to deal with when the unfortunate event occurs.
With social security and inadequate life insurance policies only covering a portion of this expense, many consumers are looking for away to make this final expense easier for left behind loved ones to deal with. They are doing this by purchasing what is called a burial insurance policy which gives the consumer the flexibility of basically pre-planning their funeral.
With having the ability to pre-plan a funeral not only does this help loved ones left behind but, it also allows consumers to pre-purchase some services at today's cost. This type of insurance policy also gives the loved ones left behind the flexibility in paying off remaining debts or expenses left behind by the deceased.
So, how does this type of insurance policy work? Setting up this type of policy is basically the same as setting up any other policy. A total coverage amount is chosen based on what the consumer can afford to pay and then the services covered are chosen. Depending on what the individual state's laws are many funeral type services can be pre-paid for with one of these policies.
Some of the expenses covered can be the casket, crematio
n, embalming, grave marker, flowers, funeral vehicles, and the cemetery plot. Any monies left over after having this services paid for can then be used for any other expenses or debts that the deceased may have left behind like credit cards, mortgage, legal fees or doctor bills.
The burial insurance policy can also insure that the deceased receives the funeral that they would have wanted while, leaving monies available for loved ones to take care of any other final expense without having to cut into their inheritance.
Before purchasing a burial insurance policy in your state, it is important to find out what the state laws are concerning these types of policies. It is also important to verify the license of the funeral director that your will be planning your services with. Also, make sure that your policy can transfer in case you are relocated or have to move anytime before your death.
While no one likes to think about losing their loved ones, it is important in today's world that consumers realize the final expense of a funeral can be a huge burden for anyone to endure. But, by obtaining a burial insurance policy and having some of the funeral services pre-planned can help relieve unnecessary stress for your loved ones to deal with when the unfortunate event occurs.
Export Guarantee Insurance
As a result of campaigning by anti-corruption groups, attention has recently focussed on the Export Guarantee Agencies of a number of Western countries. These agencies provide taxpayer backed insurance for domestic companies undertaking business in high-risk areas abroad. In the total contract fee insured hidden bribes or semi legal fees and commission are covered.
The blatant contradictions of the British official attitude to bribery overseas has been pointed out by the Cornerhouse group. They have analysed two suspect cases in detail in their recent ) report. They summarise allegations of bribery and financial mismanagement surrounding two proposed hydropower schemes in East Africa. The UK ECGD provided financial backing for Knight Piesold initial consultancy role in the proposed Ewaso Ngiro (South) hydropower scheme in Kenya and was considering support for the proposed Bujagali Dam in Uganda. It is not within the remit of this report to prove the allegations, that role rests in a court of law.
However, it is believed there is sufficient reason to warrant further investigations into the possibility of financial mismanagement in several aspects of the contract allocation for both the Ewaso Ngiro and Bujagali proposals. In 1992 a World Bank study team reported that initial feasibility studies by Knight Piesold were five times what such services would normally cost.
They report that at least £15.3m had been paid up front to Knight Piesold even though the project was not due to come on stream for another 10 years. The exorbitant cost of this contract together with the high level of up-front payments?.even before the feasibility study has been completed,raise fundamental questio
ns about procurement practices and financial management.
These findings certainly raise concern over the operation of the UK matters that the British Government are beginning to recognize. Under criticism, implemented new guidelines in September 2000. These require all companies seeking to cover to sign a declaration that no person associated with the contract has been, or will be , involved in any Corrupt Activity either in the UK or elsewhere. Cornerhouse believe that further criteria need to be introduced by the ECGD to deter corruption.
The British experience is in no way unique and these contradictions are reflected in many of the Export Guarantee Agencies covered by this. The illegal commission quotient of contracts can amount to 30%. Figures are hard to come by but a French secret service report said the official export credit agency paid around $2 bn in bribes to foreign purchasers of defense equipment.
The blatant contradictions of the British official attitude to bribery overseas has been pointed out by the Cornerhouse group. They have analysed two suspect cases in detail in their recent ) report. They summarise allegations of bribery and financial mismanagement surrounding two proposed hydropower schemes in East Africa. The UK ECGD provided financial backing for Knight Piesold initial consultancy role in the proposed Ewaso Ngiro (South) hydropower scheme in Kenya and was considering support for the proposed Bujagali Dam in Uganda. It is not within the remit of this report to prove the allegations, that role rests in a court of law.
However, it is believed there is sufficient reason to warrant further investigations into the possibility of financial mismanagement in several aspects of the contract allocation for both the Ewaso Ngiro and Bujagali proposals. In 1992 a World Bank study team reported that initial feasibility studies by Knight Piesold were five times what such services would normally cost.
They report that at least £15.3m had been paid up front to Knight Piesold even though the project was not due to come on stream for another 10 years. The exorbitant cost of this contract together with the high level of up-front payments?.even before the feasibility study has been completed,raise fundamental questio
These findings certainly raise concern over the operation of the UK matters that the British Government are beginning to recognize. Under criticism, implemented new guidelines in September 2000. These require all companies seeking to cover to sign a declaration that no person associated with the contract has been, or will be , involved in any Corrupt Activity either in the UK or elsewhere. Cornerhouse believe that further criteria need to be introduced by the ECGD to deter corruption.
The British experience is in no way unique and these contradictions are reflected in many of the Export Guarantee Agencies covered by this. The illegal commission quotient of contracts can amount to 30%. Figures are hard to come by but a French secret service report said the official export credit agency paid around $2 bn in bribes to foreign purchasers of defense equipment.
Jayden Williams
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Hannah West
Hannah West and her best friend wanted to feel extremely pretty in the make up room when the creepy cum shot surprise team blasted the bitch with a huge load! These two blonde smoking hot babes love cock and cum and even take it up the ass! You gotta watch just how insane these jizz s
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