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Of course I want to go some place that is not dreary, some place I have not ever been before and some place nice and warm also. I am thinking about a couple of things, the Costa del Sol in Spain is one, but I know a guy who says Mallorca is awesome.He says I should rent a car from some place like this,http://www.carhiremajorcaairport.co and get a place out on the coast away from all of the people. In fact that is not how I was thinking. Instead I was thinking about going to where there were a lot of girls and where the girls were not hiding from the chill like they do around here this time of the season. I love it when it is the first warm day in Spring and you go out in the streets and all the girls have got out from under the layers of clothes. What I really like is the beach, but that does not last very long in the UK.
You can go down to Cornwall for example and it is always storming of the English Channel it seems. The wind howls so hard that it can be cold even when it is 75 degrees. That is not a lot of fun when you are wet and you are wearing nothing except a pair of swim trunks. At any rate Mallorca seems like a great idea, but I want to be able to make it a long stay as that is what I have. I can take two weeks really. I just do not think my money will get me through that long of a stay in any place. One time I knew this guy who tried to camp out on the beach in Spain, but you got to have permits I think.
Owning a small business can be challenging. You need to constantly be refreshing your advertising as you need to bring customers into your business. If you leave the same signs up all the time, it will look stale to customers and their brains will learn to ignore it. That’s why I wanted to get some high quality pvc banners made for my business. I wanted something that would be durable and be able to withstand the elements of being outside during rain, snow, and anything else mother nature wants to throw at it. I didn’t want to waste my money on something cheap that would look horrible after being outside for not very long.
I needed help in two main areas when it comes to making a PVC banner, production and design. While I am good at running my business, I am not good at designing something that looks pleasing on a banner. Thankfully they also offered services to help design the banners as well. It involved a review process where I would give them ideas, they would produce a rough draft of it, and I would give feedback based on what I liked and didn’t like.
When it came to the production of my banner I was very happy to see that they were being made with high quality materials. I was told that the ink that was being used would be able to withstand the toughest weather conditions. The quality was also very high, at approximately 300dpi printing resolution on the banners. In the end I was very happy with the finished product. The banners I had made have been in heavy rotation, and so far don’t show any signs of wearing down. They even had professional eyelits installed so that I could tie them up properly and not have the banners rip.
I was told that I was not a candidate for the bariatric surgery that I wanted to have because I had to be a little bit more over weight. I told the doctor that I was not going to go out and eat more just to have the surgery so I decided that I was going to start taking a pill. The garcinia cambogia side effects were not even that bad. I knew that people said that they differed per person and I did not feel shaky or anything. I used to take a different pill that was pulled off of the market years ago because people were having a heart attack while on it but they did not have any reports with this pill so I felt like it was going to be very safe for me to take. I did want to make sure that my doctor knew what was going on so I told her.
She told me that if a medication has more benefits than the risk then take it and if there was something that I felt that did not feel right then I should stop taking it and go in and see her. I took it for two weeks and I felt great and I could not believe the energy that I had. I had not felt that much energy in years so the benefits of it were great an then I started to notice how thin I was getting and I knew for sure that was the best thing that I could have ever done and I was so grateful and happy to be in the situation that I was living in. Life was good and I was starting to look a lot thinner and leaner than I would have with the surgery.
My wife has had cancer for the last six months or so, and has been going through the treatments. That statement is not meant in anyway to excuse my actions, as I am about to detail, but I am just trying to frame my mindset when all of this happened. My wife has not wanted to engage in physical intimacy for quite some time, and this is a horrible thing to have to admit. But in my weakness, I committed an act, that requires me to hire a solicitation prostitution lawyer in fairfax virginia in the near future, to help to represent me in this case.
I know all of that sounds especially egregious, and I am probably a horrible person.
When I bought my first home, I used a real estate agent. I didn’t understand much about the process of buying or selling a home, and I really needed some guidance. After living in this house for five years, it is time to purchase something a little bigger. This time, I think I’d like to try and sell the property myself, rather than using a real estate agent. It just doesn’t make sense to me to throw away all that money in fees if I can get the house sold without an agent. And, I think comfree is the way to do it.
After doing my research, I think the best way to get exposure for my home is by listing it on a website that buyers will got to in order to search for properties. Continue reading »
My daughter is 12 years old and she likes to go online and shop for clothing as going to the store is not something that she likes to do too often. One of her favorite clothing stores is actually a very popular store with young girls and when she went to go and order some shirts and jeans from the website she said that the web design was poorly done as she could not figure out how to check out and pay for her new clothing. The funny thing is that my daughter is better at the computer and typing and if anybody could figure out how to check out on the website it would have been her so for her to say that there was a poorly constructed website on one of the largest retailers in the country I thought that there had to be some truth to it.
When I was ready to invest my tax return on the market, I wasn’t sure what I wanted to invest my money on. There are so many different types of investment accounts to choose from that I was online and very confused as to what I really should do with my money. I went to business angels uk to see if there were any partnerships that I would be able to get in on. I believe that it is important to be able to invest in small companies and people as that is the heart of America. The heart of America is based on a free market system and I would like to be able to help people get their dreams started if they do not have the funding to do so.
I am in need of a property management company in order to manage a number of properties that are located in Michigan. I just recently inherited several properties located in Michigan from my father, who passed away last week. Unfortunately, I currently live in Florida, and I have a number of commitments here, so I am going to be unable to go to Michigan in order to look after the properties, pretty much at all. Instead, I am going to have to hire another company and rely on them, so I am looking for michigan property management companies and I am hoping to find one that will not charge me too much money in order to manage the property.
A large percentage of the properties are currently being occupied by tenants that are renting the property.
My wife and I have a total of four children, I have a girl from my first marriage and together we have three more children. The oldest child is now 15 and wants a car for her birthday in July, but the other kids are 8 years old, 7 years and 3 years old. I have already fenced in the back yard, which is about a half of an acre in total from my estimate and I am looking for tree houses which will be suitable for the kids at a fairly reasonable price. That seems to be a lot more complicated than I thought that it would be when I first started thinking about it. For instance the youngest child might not need the sort of gear than the older kids will want to play on, for safety reasons of course. If I get something that is good for the toddler it soon becomes out of date as she grows up and wants to play on a real play set.
Of course the big issue is with safety. I am not sure at all how to be sure that I can buy and install something that is really safe and after that I want something which will look as nice as it possibly can. I have put a good deal of work into the yard and I really do not want to buy something which will look bad after I get it installed. Of course it might look good at first, but then over time it might not look good because the material it is made of is not weather resistant. I am curious as to how to get something which can take the weather and the wear and tear of use without starting to look like it was old.
I can remember a time that I would not use a coupon, and I did not bother to look for a nutrisystem discount code. Now I make an effort to save wherever I can. I never thought it added up to much until my wife pointed out that we were saving enough money on one trip to the grocery store to buy a nice dinner out if we used coupons. Then she showed me how that taking a minute to find online codes for getting discounts could save us enough money to do other fun things.
Instead of working more to be able to afford an evening of entertainment, we use coupons in stores, and find codes to save money with our online purchases. We keep track of what we save, then use the savings for a fun-filled day or evening date together. This is a tough economy, so why would I want to be giving away money that I do not have to? We work hard, pay our bills and put a little away for retirement. However, we still want to enjoy life a little. It is much easier to simply keep from spending too much on things we buy and use the savings than it is to spend longer hours at work trying to make enough to have a little disposable income.
Think about all of the things you buy in stores and online throughout a typical week. What if you could save a little bit off of the retail cost of each item? What if you could get a deeper discount on something that was already on sale? Would you spend a minute to clip a coupon or hunt for a discount code if the savings in a month could add up to a free day or evening of fun? It works for us, and maybe it will work for you too.
Branded promotional products are like free advertising. What you do is pick things that are interesting to your customer base. If you sell an exercise or nutritional product, things like high quality water bottles are popular. If you sell parts or tools, tiny flashlights and pocket tools are popular if they are made well. Maybe your business would do best just offering a nice magnet for a refrigerator. There is something for every business type. Just be sure to pick something that is of superior quality. You do not want your customers associating your business with an inferior promo product.
The good thing is that you can get customers to buy your promo products if they are made well.
Texas. The very name strikes vivid images of a wilder time, a time when the country was still new and finding its heat. A time when the soul of the west rest upon a man’s hip. When troubles and disagreement could be solved at high noon on a dusty road, where the shadows stretched far as if to escape the inevitable echoes of gunshot. Where Indians and robbers raided small towns. Where heroes were made. That’s the Texas I fell in love with and why I made my home there after I saw pflugerville homes for sale. How could I not? The place calls to my heart like the moon sings to the poet. This place is full of history and adventure, more so than any other state that I feel. With Mexico bordering its deserts, it receives more of a cultural influence than the rest of the nation can say.
There is a real diversity here. A place where many beliefs can come together under one flag.
Think it this way, which do you need more, gold or water?
Of course you need water more.
Which one will you pay more money for? One kilogram of gold or one kilogram of water? Of course, gold.
Thats because in economy, only the marginal matters. What does that mean?
Water is precious.
However, the value of water is the value of that least useful water that you still use anyway.
You use water to drink, you use water to take a shower, you use water to water your plants, then you use water to wash your car.
Obviously, the water that you drink is much more useful than the water that you use to wash your car. However, the value of water is the value of that least useful water.
Why is it so?
Thats because youre trying to maximize your profit. Of course, you use your water for whats the most useful first.
Yes, but why is the value of water so low?
Say the value of water is higher than that. Say it is $5 per gallon. The satisfaction youll get from washing your car is $1 per gallon. Then you simply dont wash your car.
Say the value is lower than that. The satisfaction of washing your car is $1 per gallon. However, water is so abundant that its cost is only $0.50. Then yo?ll use water for stuffs that give even less satisfaction, such as washing your house.
In fact, water can be so abundant that the price is negative. A negative price means that youre willing to spend money to get rid of that water. Such is the case during a flood.
In which case, youll actually spend money to get rid of water, such as buying water pumps. Thats what happened to one of my grandmas because her house is often flooded.
Whats the moral of the story? Be rare. When youre rare, youre valuable. When youre not rare, youre worthless.
When looking for long term care facility for a loved one in Missouri, there are a few questions you should ask yourself and a few things to be aware of:
What type of facility do I need? There are several types of facilities, be sure to select one that will meet the needs of your loved one.
Residential Care Facility I: Will provide shelter, board and supervision. They may distribute medication and provide care during short term illness and recuperation.
Residential Care Facility II: Provides same care as a level I, plus provides dietary supervision and help with personal care.
Intermediate Care Facility: Provides personal care, board and basic health and nursing services under the direction of a licensed physician and nurses.
Skilled Nursing Facility: Individuals in Skilled Nursing facilities require 24 hour care and specialized services. These services will be performed under the supervision of a registered professional nurse.
Questions to ask the facility:
Can it meet the needs of my loved one?
Is it currently licensed?
How much does it cost and will they accept my insurance?
Are the current residents happy and treated with dignity?
Is the facility clean? How does it smell?
Residents rights: Missouri residents who live in a state licensed long term care facility are guaranteed certain rights under the Missouri Omnibus Nursing Home act of 1979 and the Federal Omnibus Budget Reconciliation act of 1987 such as:
You must be informed of your rights and responsibilities as a resident (oral and written)
You must be told of services available and costs
You must receive notice before a change in room or roommate
You may purchase or rent goods/services not included in the facility rate.
Please see our recommended sources for insurance and low rates. These websites are also great sources for information. These low rates will help lower your bills every month.
If you want to get guaranteed car loans even with bad credit, then scroll below for some pointers on how to avoid the credit inquiring pitfall.
Guaranteed Car Loans: Get a copy of your credit report.
Purchasing a copy of your own credit report can help you get guaranteed car loans. A lender can pre-approve you for a guaranteed car loan by faxing him a copy of your current credit report. If the first lender rejects your request, you can go ahead and apply at different lenders until you find one that accepts you.
Guaranteed Car Loans: One inquiry is better than two.
Before completing the guaranteed car loan process, the lender would most likely perform a final perfunctory check on your credit report. But that should be okay since its only going to be one inquiring on your credit record instead of two or three. Remember that the more credit inquiry you have, the greater the chance that your credit rating will drop.
Guaranteed Car Loans: A purchase is not an inquiry.
When you purchase your own credit report, it wont be considered as an inquiry. So by doing this, you avoid adding more damage to your credit. This is why in guaranteed car loans it is always a good idea to know what your credit report is in advance. Whats more, if you have your credit report before applying for guaranteed car loans, you can check it for any errors.
Whenever a person buys or leases a car, he seeks ways to finance this move. Most auto financing involves a car loan, which entails a detailed check on his credit history and a tough interview about car finance. When he undergoes all these to buy a used car, it is only fair that he also performs his own investigations about the car he is going to buy. In fact, he should never consider buying a used car, which history has not been checked. If he does, he may just end up paying for a piece of junk.
A used car must be checked for its title, registration, odometer, and the problems that it had weathered before it reached your eyes. A title check will determine if the car is salvaged, flooded or rebuilt. For example, many cars were destroyed during the 9 -11 World Trade tragedy. Many cars, too, were damaged during the hurricanes and floods. These cars were salvaged by enterprising people. The cars will be rebuilt and sold again at car auctions. A title check will also discover if the used car has lemon history.
A registration check will determine if the used car has been used as a fleet car, or as a taxi, or even as a police car. If the used car has been utilized in any of these, then it is safe to say that within a given period of time, this particular used car has covered more miles than the average privately used car. A registration check will also reveal if the used car was ever rented or leased.
The cars odometer is an instrument used to measure the distance traveled by a vehicle. An odometer check will show if the odometer has been broken or fraud. It will also show if it has been rolled back or rolled over. If the odometer has been tampered, this does not bode well for the next owner of the used car. The car may be older than what the dealer is telling you. Or it may have mileage problems.
A problem check will determine if the used car has sustained fire damage or an explosion. It will also show if it has been involved in a major accident. The fire or accident may have inflicted a still undetected damage on the used car. It is also quite creepy to use a car that has cradled dead bodies before. A problem check will reveal if the car has been stolen. A car that has been stolen may no longer have all its original parts.
A used car may give you more problems than you can manage. But not all used cars are damaged, leased or stolen. This is why there are still many people who take out car loans to buy a used car. To be safe, the potential buyer must order a vehicle history report.
Just about everybody has heard of identity theft, but most people do not believe it could ever happen to them. The fact is, identity theft is more common than most believe. Its not hard for identity thieves to obtain all of the information they need in order to assume another persons identity, but it can be made a whole lot harder for them if people remain smart and protect themselves as completely as possible.
When it Happens?
If a person becomes a victim of identity theft, it can take a long time – possibly years – to recover from it. It can also cost the victim thousands of dollars as well as ruin their credit score. Usually, its nearly impossible to recover from identity theft in a quick manner because many things have to be resolved before forgiveness will be given by the three major credit reporting companies in the United States.
If identity theft does happen, the person who is the victim will probably experience problems obtaining any sort of financing (mortgage, car loan, student loan, credit cards, etc?). And, the worst thing that can happen is that the victim of identity theft can even get arrested for crimes he or she did not commit.
All of the results of being a victim of identity theft are not fair, and are very difficult to resolve. Being a victim can be a real headache and can basically interrupt or stall an innocent persons life for several years. So, the best possible thing is to do is to try and do anything and everything to prevent becoming a victim in the first place.
Protect Personal Information
The easiest way for identity thieves can assume another persons identity is to obtain personal information from a potential victim and use that information to fill out loan or credit card applications.
While most victims do not offer thieves their personal information, they are not aware that their information is contained on many documents that they have not disposed of properly. For example, thieves have been known to go through peoples trash cans looking for personal information. When papers are thrown away without being shredded, thieves can retrieve the information and use it.
Thieves are also known to go through peoples mailboxes to obtain in-coming letters from banks and/or credit card applications and use the data from these various pieces of mail to apply for loans or credit with the stolen information.
In-coming mail is not the only source of mail-related information that thieves can acquire. Out-going mail that is placed in a persons mailbox for the mailman to pick up and take to the post office is a great source of information for thieves. When a flag is placed in the upright position on a mailbox to indicate that letters are inside waiting to be mailed, its like a signal to thieves that they should come on over and steal it. Therefore, letters should always be mailed in a post office mailbox instead of a personal/home mailbox.
Other Ways to Prevent Identity Theft
Its not difficult to perform some easy steps to prevent being a victim of identity theft. In addition to properly disposing of paper containing personal information and mailing letters at the post office, following are some additional tips:
1. Always destroy receipts, credit card applications, tax information, canceled checks, and mortgage information before throwing it away. This means completely shredding it or even burning it before it reaches the trash can.
2. Even if a credit card is expired, cut it into tiny little pieces before throwing it away. Some people throw half of the tiny pieces into one trash bag and half into another trash bag.
3. Report stolen credit cards immediately to credit card companies. Dont wait an entire day? Do it the minute theyre discovered to be missing.
4. Monitor credit reports on a regular basis, and watch for anything suspicious. If anything out of the ordinary appears, investigate it right away.
If you are a loan officer or a mortgage broker, it is very important to exercise every marketing tool available to get your message in front of your customers.
This is especially true if you are licensed in several states. If you work out of Phoenix Arizona, it is difficult to relate to a potential customer living in Fargo North Dakota.
This is where the internet comes into play, and you dont have to have a degree in computer science to utilize it to your advantage.
Customers like to put a face with a name, but e-mailing family photos to your customers is probably not such a good idea.
This is where your own personal blog comes in.
Like I said earlier, you do not need to have a degree in computer science to build a blog. In fact, it is quite simple, and only takes about five minutes to build. And best of all, most major blog web sites allow you to build your blog for free.
These sites are very easy to find on major search engines. You can set up your own URL name, and there are many templates to choose from to match your personal style.
On your blog, you can have a picture of your self and a brief biography to allow customers to get to know you a little bit. You can also list your products and services and how they can benefit your customers.
Once finished, you can add your blog address to your outgoing e-mails so people can click and have an opportunity to get to know you better. It is a great conversation piece as well. People are wowed by this stuff.
You can also put your blog address on your business cards and end your conversations with potential customers by asking them to visit your blog.
Whenever you give someone your phone number, you can have them write down your blog address as well.
A personal blog will definitely help your customer find the comfort level they are looking for with you. And best of all, they are as much fun as they are invaluable to your business.
Cuts to the Medicare budget may be the most threatening surgery of all for patients in need of medical imaging services.
Congress made deep cuts earlier this year in reimbursement for many medical imaging services that Medicare patients receive in physician offices and independent imaging centers.
Experts fear these cuts will mean less access and higher costs for many patients, especially those in rural areas.
Congress, say advocates, should impose a two-year moratorium on the cuts in order to more fully understand their impact on patients.
Starting in 2007, imaging services will be reduced by Congress by some $8 billion over 10 years. Those reductions represent more than one-third of the total Medicare cuts in the 2005 Deficit Reduction Act.
The payment reductions affect a wide range of medical procedures and tests provided in physician offices and imaging centers. For example, reimbursement would be cut:
35 percent for ultrasound to guide less-invasive breast biopsies;
50 percent for PET/CT scans used for diagnosing and managing tumors;
40 percent for bone density studies for diagnosing osteoporosis; and
42 percent for MR angiography that detects aneurysms in the head.
Given the size of these and similar cuts, advocates warn that many physicians will likely discontinue or cut back on the imaging they provide in independent imaging centers or their own offices. If this happens, patients will have to seek these services at hospitals, which can be much further away and often involve higher out-of-pocket costs for patients. As a result, convenient access to services that many Medicare patients rely on will no longer be available.
Its believed that patients in rural areas are likely to be the hardest hit.
Unfortunately, say advocates such as the Access to Medical Imaging Coalition, these reductions were made without public hearings, public debate or open discussion. The reductions were made without public participation, even though they will likely affect the lives of many Medicare beneficiaries.
Instead, the Coalition believes Congress should impose a two-year moratorium on imaging cuts, so the Government Accountability Office can study the issue.
Traditional surety bond underwriting does not allow for any losses. In other words, applicants are only suppose to be approved for a bond if the underwriter believes there will be no claims. This differs from insurance underwriting, as a loss is expected and is built into the premium. Higher risk applicants are usually declined or asked to post 100% collateral with the bond. The surety bond market is starting to see some change in how bonds are underwritten. However, these forward thinking sureties are in the minority and are difficult for the average principal to find.
As stated above, according to traditional surety underwriting bonds are suppose to be written as a service fee, not insurance. Therefore, there are not suppose to be any claims expected, as it is not built into the premium. Unfortunately, the surety ship guidelines are not reality and losses do occur, even the most conservative bonding companies.
Surety bonds have been around for quite some time and we know that losses are inevitable no matter how good the underwriting is. If losses are inevitable, then why not change the underwriting philosophy? If a principal is considered to be a higher risk, then a higher premium rate should be applied. This thinking goes against traditional surety underwriting as losses would then be built into the premium.
I cant say that approving surety bonds to high risk clients at a higher rate is a new idea. In fact, we have been working with bonding companies that have successfully written high risk surety bonds for years. The rates are roughly 10-15 times higher for commercial bonds, but are usually still the best alternative for most that fall under the program. I can honestly say that we have seen little claims under the high risk programs. Definitely no where near 5-15 times as many as a standard market. Therefore, the sureties writing these programs are making out quite well for themselves. The few bonding companies have a monopoly on higher risk applicants, as there few sureties willing to take the risk of new surety guidelines, especially after the fall of the soft market.
Sureties writing higher risk contract bonds are even more rare. Bond approvals for five year contracts are unheard of these days, for most. Fortunately, there are some contract bonding companies willing to break the mold of traditional suretyship and take larger risks than the ridiculous expectation of a 0% loss. Similar to the high risk commercial bonds, higher risk contracts (i.e long contracts) will see increased rates. Surprisingly, the sureties willing to write the higher risk contract bonds do not have losses greater than their peers. The average loss ratio of our out of the box thinking contract bonding companies is 14.35%, lower than many conservative sureties. Once again, they have a monopoly on the market, as very few are willing to write these “hazardous” bonds.
Often, our agency is contacted by surety underwriters that want our business. They are well aware that we are a high volume agency that has a diverse range of accounts and they want a piece of the pie. We rarely get appointed with new sureties, as most offer the same as their competition. If they are going to try to increase their book of business they will have to think outside of conventional underwriting and rate guidelines. Why would we set our clients up with a surety that is the same as every other market out there? What they need to do is find market segments that are not overwhelmed with other sureties offering identical programs. Contact us if you are an open minded underwriter looking to expand your book of business. We have set up numerous programs that have been successful for quite some time. The programs are successful because unlike the higher risk bonds approved in the soft market of the past, they are approved with higher premium rates, which offset the cost of claims.
It is time that the surety industry wakes up and realizes that a 0% loss is not obtainable. Stop underwriting in the same fashion simply because it is the way business has been done for years. Forward thinking sureties are capitalizing an entire market segment; it is time the high risk segments become diverse with more bonding companies.