Facts About Title Insurance

Title insurance is basically an insurance against the defects in the title deed of a property that can cause the owner financial loss as well as mental agony. These defects could either be from a legal point of view where-in you might end up having a different owner as against the person from whom you bought the property, or else unenforceable mortgage liens that exist on the title deed. The requirement for such title insurances came into existence basically because of the comparative deficiency of land record laws. This made it necessary for buyers to protect themselves from any losses and ensure that they are compensated in case of such an occurrence.

The basic aim of title insurance is to defend the insured against any lawsuits or compensate the insured person for the monetary loss occurred. The first title insurance company, the Law Property Assurance and Trust Society, was formed in Pennsylvania in 1853. Earlier, the buyer had to bear the absolute responsibility of making sure that the property he has bought has perfect title deeds, without any complications, what so ever. This led to extensive research before any purchase as the buyer had to rummage through the various government and registrar offices to cross check on title deeds and their authenticity. This was a cumbersome process and this is what led to insurance companies starting the title insurance process. Here, insurance companies allow you to take policies, for which premiums are paid by the insured person, and in return the company shall bear the headache of ensuring that the title deed that you possess is authentic. They have tie ups with title inspection companies who take care of the verification process and ensure that all is well.

There are three types of title insurance policies. These are the Owner's policy, the lender's policy and the construction loan policy. As the name suggests, these policies service different aspects of the purchase. While the owner's policy takes care of the owner's risks related to the title deed, the lender's policy is basically to cover the mortgage loan. It is more or less like loan insurance but covers the risks associated with the title deed. Lender's policy facilitates sale of mortgage loans in the open market and is concerned with high volume transactions. Constriction loan policy covers the title deed for homes that are to be constructed. Title insurance for construction loans requires a Date Down endorsement which recognizes that the insured amount for the property has increased due to construction funds that have been vested into the property. Though title insurance is actually a cover for the deficiency associated with the land record laws, it is still a great tool to protect yourself from the frauds associated with title deed documentation and related transactions.

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Why Horse Riders Need Insurance

There are several types of Equestrian insurance. There are insurance coverages for you and your own personal horse, and insurance that covers riders when engaging in equestrian activities on other people's horses. All of these provide a vital coverage.

We love horses and like to believe they love us. Even the gentlest horse can be spooked, or be involved in an accident while being ridden. In these circumstances it is best to have coverage that will provide medical insurance for yourself as a rider, or to prevent others from suing you on their behalf in an accident.

Typically these policies cover riders ages 5 to 75 and protect them in the case of injuries due to accidents of all types when involved in horseback riding activities. Some coverage also provides protection while traveling and competing in shows and can be purchased to cover the rider as well as the horse itself. Most of the policies can be individualized to the specific needs for the most basic to the most advanced riders.

Student riders are well-advised to get personal rider's insurance to protect themselves from common accidents that can occur in class situations. You and your horse may be very reliable but you cannot count on other's skills or horses to be as reliable as your own.

Riding at a school, or someone else's horse often involves signing a waver releasing the owners from responsibility should an accident occur. They are protecting themselves because they realize that anything can happen when around such large animals. You need to protect yourself as well.

As you graduate and develop your skills certain equestrian elements can be fraught with their own inherent dangers. Handling hotter horses, or engaging in activities such as jumping, cross-country, or other extreme sports make having rider's insurance a necessity. These are not the only times when rider's insurance is a smart move, however. Even simple pleasure rides on a nearby trail can hold unseen dangers. Loose dogs, downed trees, or a car backfiring can give even the calmest of horses a start, and unseat the best of riders.

There is never a time when dealing with animals that, as loving as they may be, are still just animals and weight anywhere from eight to ten times as much as the average human is completely safe. Make sure you have the coverage you need to provide you with assistance if and when you need it. Just like health, car, and home insurance, we hope we will never have to use it, but are sure happy it is there when we do.

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Contents Insurance - A Guide

Recession did hit a number of nations and it was quite hard for every one to deal with everything. During recession the bank rates for loans just increases so it is very difficult for people to get loans. In a way banks discourage loans and fund transfers. Property prices also fall. It could b a good time to buy property if you have saved up some money. Businesses and industries also suffered. Insurance companies also did suffer due to it. Bank interest plays a very important role in the countries ups and downs. The recession is now healing and the banks are letting out funds.

These days it is very important to take cheap contents insurance. It is very useful incase of emergency. You can take it on a person or any commodity you feel like. It is always better to also insure yourself with the medical insurance. It is really helpful as these days there are so many illnesses and for which there is no cure so just in case anything happens you need to be insured so that you can bear all costs. Incase a person has an accident then it Is difficult to pay so much money at one time sometimes you might not even have it.

So when you have your self insured it makes money transaction much more simpler. The insurance company bears all the costs and takes care of the funds bit. The insurance company needs to be a trusted one. Some of the companies do not give out as much as they have promised. Having the right insurance company also makes a lot of difference. There are a few reputed ones and you must always go to the one that offers fewer premiums. If the cost of the premium is less then it will be easier for you to pay the insurance.

The premium part is very important as if you are paying so much premium it does not make so much sense. It all depends on the insurance policy that you are selecting. It is therefore very important to get Cheap Contents Insurance. When you buy a household these days are a number of places which have a lot of robbers and so there are a lot of robberies that happen. It is always smart to insure your belongings like if you buy a television set you should insure that as well as if due to any calamity it gets robbed then you could always replace it with the insurance money that you get.

This is what cheap contents insurance does. It makes everything very simple. It gives you satisfaction of your self and also your belongings. I would suggest people to get insured as it does help in the long run. Insurance companies are now doing very well as people have realized the value of it. You must also be care full as sometimes the insurance companies do not release their funds. They in a way fleece people. This is not a nice thing to do.

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History Does Not Favor Greatwide

The outlook for Greatwide Logistics does not look good. It pains me to say that because I know several very talented managers who work there. Yes, I know Greatwide has over 5,000 owner operators. And I know it generates a billion plus in revenue. And I also know that Greatwide last ranked 23rd on the Transport Topics list of top 100 carriers. Still as truckload carriers go Greatwide is no J B Hunt or Schneider. Those companies became behemoths through incremental growth achieved over much time. In contrast, Greatwide Logistics rose onto the trucking scene like a pre-fabricated phoenix. The company is actually an amalgamation of several trucking companies glued together with debt and re-packaged under a new name. There's nothing incremental about it.

The lure of creating the next J B Hunt or Schneider National in a fraction of the time must have a very strong appeal. We see deals like Greatwide Logistics come along every couple of years. The investors in these companies generally do not drive trucks or run trucking companies. They come from the financial community - a savvy lot - but apparently less so when it comes to grasping the economics of trucking. The theory behind Greatwide goes something like this: buy a bunch of companies on debt, consolidate their revenues, and let everything else fall magically into place. After all, consolidation also means cost savings, extra cash and the ability to service debt. No doubt, the Power Point presentation made it all look very logical - particularly the mouth watering last slide highlighting the IPO. Unfortunately, there is nothing logical about the economics of the trucking business.

In trucking no amount of revenue guarantees a profit - especially if a company holds a lot of debt. Think back to AmeriTruck, Trism and Transit Group to cite just a few of the forerunners to Greatwide. We've seen this movie before. It never ends pleasantly. Consolidation in other industries might yield cost savings, but trucking has never enjoyed noteworthy economies of scale. Sure, a company like Greatwide might save a few bucks by combining functions such as personnel, marketing and risk management across its subsidiaries. Still the two biggest costs for every trucking company are fuel and driver wages. (In Greatwide's case payments to owner operators essentially encompass these items.) These costs do not decline with size. Diesel costs X amount per gallon whether you fill-up one truck or a thousand. The same goes for driver wages. In fact trucking arguably suffers from diseconomies of scale. Does a large trucking company with an elaborate home office, huge corporate staff and multi-state terminal network enjoy a cost advantage over the guy who eats and sleeps in his truck? Likely not, unless it has a very talented management team, which of course is always the first thing cut in deals like Greatwide.

Greatwide Logistics is less a trucking company than a financial transaction. The investors behind this deal never set out to haul freight. They set out to get rich. But no one gets rich in the trucking business without paying major dues. Now in the midst of arguably the worse freight hauling environment in thirty years, the debt that fueled Greatwide's meteoric rise has turned into a life threatening avalanche. The margins in the trucking business have never accommodated excessive debt service. History shows that almost every highly leveraged deal in trucking has failed.

Sadly for the employees, suppliers and other stakeholders, all the perfunctory efforts in bankruptcy to trade out Greatwide's debt for equity will surely prove too little too late.

Thanks for checking in...

Ed, III

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Insurance Credentialing For New Healthcare Practices

Time and again new practices invest countless hours and money focused on office space, equipment, software and staffing only to open their doors for business and find significant delays in getting adequate insurance reimbursements. More often than not, the problem could've be allayed by addressing the insurance credentialing process early and thoroughly - creating the necessary relationships with insurance carriers. Here are a few considerations to keep in mind as you address the insurance credentialing process.

Timing - Start Early!

Plan on starting the insurance credentialing process early - at minimum allow at least six months before you see your first patient. Carriers will often take as much as 3-4 months to review documents and make a determination, even if everything is in order. If there are errors, missing information or a question about submitted documentation, several more weeks or even months can be added to the process. This six month allowance, starting from the time credentials are submitted, usually gives enough time to address problems should they arise. If too little time is granted before the practice opens, and you begin seeing patients before insurance credentialing is complete, you are open to the risk of getting an "out of network" rate, reimbursements might be sent to the patient, or, worst case scenario, you may not get paid at all.

Identify Target Carriers

To define which insurances you might credential with, consider your practice location and patient demographics. Will a significant percentage have Medicare or Medicaid? Is there a particular company or business in the area that employs a large portion of the surrounding population? A quick call to their human resources office to inquire what insurances they currently offer employees (as well as possible changes the near future) can be a good indicator of the carriers you'll want to consider.

Also, check with colleagues, other providers, clinics and even larger hospitals in the area and ask who their most common payors are. Inquire about which payors are best to work with - who reimburses in a timely manner, which offer the largest enrollments, and which carriers might be at capacity with other providers in your specialty.

As you identify which insurance carriers might be most popular in the area, make a list of the top 10 or 15. Then, think about what other providers are saying and pare that list down to the top 7 or 8. This will be your short list of where to go next. Don't go overboard and choose too many from the start - if nothing else, you'll run yourself ragged in keeping up with the submissions.

Contact Insurance Carriers

With your list of 7 or 8, prepare to spend at least an afternoon (or more) on the phone with the provider services offices of each of your target carriers.

One of your first questions might be to ask if they are accepting new practices in your specialty in your area. More often than not there's no problem here, but don't be discouraged if they say no - just keep moving down the list and prepare to check back with them later for an opening. (Just remember, if several carriers on your list indicate they are closed to new providers, you might want to reassess your location before moving forward - finding multiple carriers closed to new practices in the same area is a strong indicator that there's a lot of competition in the neighborhood.)

If the carrier is receptive to new providers, make sure you get all pertinent information about the process - i.e. names, addresses, phone numbers, timing, required forms, and so on. Don't forget to ask about online submission too, as many carriers today allow you to provide all information online and mail in the supporting documentation.

**Remember that carriers won't start the insurance credentialing process until you've established a practice phone number and address (a PO Boxes are not acceptable). If you've established a practice address but haven't moved in yet, carriers can usually send the forms to an alternate address, but you'll still have to identify the location to get things going.

Submitting Credentials

Now that you've completed your research and identified which insurance carriers you're going to file with, you'll need to compile and submit all of your information. Most will generally require you provide the following:

Updated resume
Personal demographic information
Practice and business information
State and federal DEA numbers
State licensing and registration information
Evidence of education - i.e. Diploma or ECFMG certificate
Malpractice insurance information
Information on any disciplinary actions

While this can be a lot, there is some good news - since most carriers ask for the same information, once the first submission is complete, you can just transcribe all the details from one form to the next. You will also benefit enormously in the future by storing copies of these documents in a safe place. As your practice matures and you seek to credential with other insurances, you'll have this same repository of information readily available.

Once you've completed the application, don't forget to double check everything. In fact triple check it and have someone else look over it as well. Don't expect carriers to correct an obvious mistake for you - it's not their responsibility, and, frankly, they just won't. The importance of double and triple checking cannot be stressed enough as the entire process can be help up by a month or more from the slightest mistake.

Finally, after your information has been submitted, allow an appropriate amount of time (1-2 weeks for mailed submissions) and follow up with the provider services office to confirm receipt. If you were able to obtain a contact name in your early research call them directly. Once receipt is confirmed don't hesitate to follow up again in say, 3-4 weeks to see if they've reviewed it yet or if they found any problems. If everything's on track, plan on checking back in another 3-4 weeks until the process is complete. This can save a lot of turnaround time if you can learn over the phone there was some sort of hold up. As alluded to above, expect this part of the process to take several months - credentialing offices are often centralized and may be reviewing hundreds of submissions for many different areas at any given time. If there's no movement after several months, you consider stepping up your calls to a weekly basis.

Hopefully your hard work and phone calls has paid off and you've made it through the insurance credentialing process in just a few short months with your original list of 7 or 8 carriers. If you're up for the challenge yet again, consider going back to your longer list of 10-15 and start the process all over again with the remaining carriers.

A few shortcuts

Here are a couple of shortcuts to credentialing not mentioned above.

Hire professional assistance: There are many different organizations that can help with the insurance credentialing process. If you've contracted with a practice management company this process is often covered already. If you're considering a medical billing company to manage your insurance and patient billing they certainly should have the experience with carriers to provide at least some guidance, if not manage the process for you. Also, there are a few professional insurance credentialing companies that specialize in this process for new practices but they can often come at a high price.

Universal Credentialing DataSource: The Council for Affordable Quality Healthcare has developed an online service intended to eliminate the need for multiple insurance credentialing submissions. In short, you complete one form for all of their participating insurance carriers and you authorize who will receive your information. The CAQH Universal Credentialing DataSource is located at: http://www.caqh.org/

Summary

The insurance credentialing process is critical to getting your practice off to a good start - and ensuring a quicker transition to profitability. While it can be time consuming, an early start will give you the chance to address problems should they arise. Just be patient and keep these tips in mind and you'll get through it:

Start early - expect the process to take up to 6 months
Choose a target list - don't try for every carrier out there
Double check your work before you send it in
Follow up regularly and keep the process moving
Don't be overwhelmed - it's just paperwork.

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Lower Insurance Rates - Measures That Work

You can save massively if you know how to shop for the lowest quotes for your profile (This article will show you how). But while that is very essential, there are a lot of other issues you've got to take into consideration if you intend to get the cheapest rates. Here are several of them...

You will lower your health insurance rates by a huge margin if you take out time to do shopping right.. You'll start your shopping right if you make inquires from friends about their experiences with various health insurance providers.

You'll be cutting through hype from agents who just want commissions to true user-experiences if you do this. You can rely on your friend to tell you their experience with an insurer the way it was whether good or bad.

If you inquire from your friends and acquaintances you'll make it less likely that you will get a terrible deal.

A simple but rewarding way of bringing down your premium is by authorizing an EFT (Electronic Funds Transfer). By doing this you authorize an insurer to automatically withdraw your premiums from your account at specified intervals. This saves your insurer in many ways such as eliminating the cost of mailing payment notices and the cost associated with processing checks. This is why this gets you discounts.

If you decide to pay your premiums monthly, you'll attract more expensive health insurance rates. Notwithstanding the fact that this option is always less stressful, it costs more for some reasons..

If you do transactions with banks you'll agree with me that each check you process is regarded as transaction which attracts charges. Over the course of a year, your monthly checks would be processed separately because they are all different transactions. This implies that you'll pay transaction fees twelve times..

Besides there are also administrative costs that are incurred due to the monthly payment option. For example, it costs some money to send payment notices monthly.

These and more are then included in your health insurance rate thereby making it more than if you paid annually.

An excellent credit rating will reflect favorably on your health insurance rate. A poor credit record will attract higher health insurance rates. The truth is that they believe that the likelihood of you defaulting in your premiums is very high. Once you're noted as bad risk you'll attract more expensive health insurance premiums.

Visit not less than five quotes sites. Visiting at least five quotes sites increase the chances that you'd get cheaper quotes. This is because offers not covered by one site would be represented by the other. And, you should understand that because your chances of receiving lower quotes has to do with the number of quotes you get, the more insurers you obtain quotes from, the higher your chances will be. Obtaining your quotes online will help you save far more if you invest only 25 minutes to get quotes from a minimum of 5 insurance quotes sites.

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Insurance Fraud - The Dumb Criminal Chronicles

One of the greatest challenges insurance companies face is the ferreting out of insurance fraud. Wherever there is a chance that someone can get paid for submitting a fraudulent claim, there are also stupid people who are willing to give it a try.

Here are some recent examples. The names have been omitted to protect the stupid:

1. Arson (I like this story because of the restaurant's name.)

JACKSONVILLE BEACH, FL: Two men were arrested and charged with insurance fraud after a 2008 fire at Wakey, Wakey Eggs & Bakey. The fire was set in the kitchen after the restaurant closed on May 5, 2008, and caused over $200,000 in damages.

One of the owners was arrested and charged with arson and filing false insurance claims. Mr. T., a contractor, was also arrested on the same charge. The building's owners had just evicted the restaurant owners for defaulting on the rent.

2. Dumb Insurance Adjusters...there are a bunch of them.

BALTIMORE, MARYLAND: A Maryland woman pleaded guilty to writing company checks to herself and depositing the money into her own checking accounts while she was an insurance claims adjuster.

A woman pleaded guilty to one count of felony theft over $500. She was sentenced and ordered to pay back over $16,000 she had stolen from Nationwide Insurance Company between September 2006 and September 2007.

3. Hometown Insurance Fraud...I missed out on all the fun.

KENT COUNTY, MICHIGAN: Grand Rapids, Michigan is known as the Furniture City, and is getting a reputation as a hub for medical research. But now it's become the Michigan Mecca for insurance fraud. Three of the top Five insurance fraud cases in Michigan in 2009 were committed in Kent County.

The top case was perpetrated by a dermatologist who bilked Medicare and other health insurers for over $2 million. He is in prison serving a 10-year sentence for double billing and charge for work he did not perform. The doctor owned a Tudor mansion on Reeds Lake, which he tried to sell for $7.7 million, and it was recently auctioned off by the bank for $1.75 million.

Next case involved an 80-year-old man who paid a former employee to torch his business so he could collect over $300,000. Third is an Alpine Township man who was sentenced in August to at least six years in prison for selling $40 counterfeit insurance policies to almost 500 people.

Insurance fraud is serious business, since claims paid on fraudulent claims cost ALL of us higher premiums. It's no different than shoplifting at a retailer. Stores simply add the cost of their "shrinkage" to the cost of the goods you and I pay for. Report any suspected insurance fraud to the police. And know that most of the time, criminals get caught.

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Austin's Annual Charity Event with KVET

In my travels around the country while building my business I have had the pleasure of meeting some of the greatest community volunteers in our nation. I never missed an opportunity to meet community leaders and learn all I could about every market my company franchised in. One event in particular was a standout; the Austin's Annual Charity Event with KVET.

Part of my mission statement in my company was always to give back to the communities we serve and to be a community based company. I urge all business entrepreneurs to think like this. We are always interested in ways we can help the communities that our team serves. It is for that reason I joined 10's of thousands of others in the Austin Charity Event. When President Bush suggested that all American's put in their 2000 hours, that was not lip service, he meant it. So when we found out that KVET of Austin, Texas and the Highland Mall were putting on this event, we decided to find out which charities were their to receive the many Texans who came to volunteer their time and what our local franchisee could do to help, how we might offer our services or time to help the community.

I wanted to personally thank the Program Director at KVET, a Channel Communications Station and M. Darlene Corum the Retail Marketing Coordinator for Highland Mall in Austin for organizing an event, which every single community in the nation should put on at least twice per year. Who was there; all the local charities, which serve the community day in and day out. As many know funds are in short supply now as the economy has not fully arrived at its natural strength, there is less money to go around.

We talked with some of the most potentially devastating issues of the near future with the spread of AIDS and other serious illnesses. There on hand was a very knowledgeable group of people with Interfaith Care Alliance. We talked with Violet Leos, the Community Resource Director for the Austin Girl Scouts and volunteered our car wash fundraiser services. We made sure to point out that we did not want to replace their number one fundraiser The Delicious Girl Scouts Cookies (especially Chocolate Mints), but if they needed help in a car wash fundraiser to give us a call since I run a carwash business.

Other National Organizations with big local Austin representation were the Salvation Army, always out in force during the holidays, The United Way promoting their seasonal Angel Tree, United States Marine Corp's "Toys for Tots" program and Safe Place for domestic violence and sexual abuse victims. Our company has been active with the Safe Place groups in AZ and NV.

We were very happy to see the Austin State School, which helps mentally retarded adults in training, social services and medical care, this is so important that we do not forget them in our society. Also next to them was the Austin Children's Shelter, which provides emergency shelter and high quality care and a hope for the future for our abandoned kids in the Austin Community. Speaking of Kids, a great program called Insure-a-Kid was present helping kids who need health care insurance, and we would personally like to thank Michael Dell, Founder of Dell Computers for his extremely active role in getting this one off the ground. This is an incredible program and it is our belief this should be duplicated whoever possible, great program, good people and inspirational story of leadership and creativity in the midst of adversity, WOW.

Children's Advocacy Center was there talking about what is being done about something no one wants to talk about, child abuse cases and it's effect on kids. Very heavy subject and extremely dedicated people, a real tear jerker and they are there for the kids and were actively recruiting volunteers and promoting awareness.

Real everyday family issues were there in force also, including; Literacy Austin, teaching people to read, write and speak English; Live in the Game, providing fifth grade girls with adult female mentors; RIF-Reading Is Fundamental, motivating kids to read books; and Capitol Area Homeless Alliance, a day shelter for the homeless and yes the Bush's have volunteered to work in the food lines before and the people there made it clear Austin is serious about find the necessary means to help those people on the street transition into both employment and housing. Also on scene was Lone Star Equine Rescue, which helps improve the lives of equines throughout Texas and neighboring states.

We would like to tell every one how great it was to see Americans sign up to volunteer and do their part, to put in their 2000 hours. And we too felt proud volunteering our team to car wash fundraisers to help the kids groups. We are all in this together; we should never forget that. I urge every American and every small business model to seek out ways you can give back to your city or town and promote an ownership type community. You will be leading by example and doing what's right for the betterment of mankind and the future of your community. Volunteer and even if your town does not have such an awesome event, seek out ways to help. Maybe you can organize all the non-profit service clubs in your town and get others to volunteer too. Think on it.

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Rick and John Show.mpg

Rick Aguirre and John Tenney cutting up and having fun. East Orlando stuff.

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Dangerously Ditching Insurance

With the recession affecting everything from mortgages to the price of food, many are looking to quick-fix solutions and assessing their finances in order to help their finances go further. According to research carried out by one of the UK's leading banks, many are choosing to cut corners in an effort to save money, but whilst it may save them a little, the impact on their credit rating could be potentially dangerous.

Many are now choosing to cancel certain insurance policies in an attempt to put the funds towards bills and other expenses, but by doing so they risk putting themselves at risk, and in some cases getting rid of crucial cover due to financial difficulties.

There are certain insurances where cover is mandatory - such as third party, fire and theft on car insurance and buildings insurance for homeowners. By choosing to cancel these aspects of your policy, you risk invalidating further claims and applications in future.

One of the most affected policies is that of buildings insurance, with some homeowners choosing to cancel or reduce their level of cover on their policies. However, by doing so they run the risk of invalidating their mortgages - as buildings insurance is one of the main legal requirements required to secure a mortgage.

Worryingly, numbers of life insurance policies are also being cancelled, or the level of cover changed, which could be disastrous should something happen to the policyholder, leaving them out of pocket during their time of need.

If you're worried about your finances and are looking to reassess your financial situation, it's best to take the time to assess your finances and also look into switching your current policy, seeking advice if you're still not sure.

With a wide variety of policies to choose from - including life insurance and buildings and contents insurance - you could save yourself some much needed money by taking the time to research different policies.

Look into perhaps reducing some aspect of your current policy without straying from the mandatory aspects, and also consider increasing the excess on your policy, as this could help to bring down your premium.

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The Necessity of Pet Travel Insurance

If pet insurance seems frivolous then initially the thought of pet travel insurance can seem ludicrous. But you'd be remiss to think that way, traveling is an invitation for chaotic and unforeseen scenarios, and pets tend not to react very well with these things! If you think you can simply take your pet on vacation every time and not worry about it then perhaps you should read on.

Traveling with your pet is extending the boundaries of your relationship, often in a way that will be new and confusing to your pet. From the safety of your home your pet Chihuahua might know not to chew up your shoes or pee on the floor, but this is hardly the same thing while traveling abroad. Also keep in mind your pet
will be stressed out and will not understand what is happening.

3 Reasons Why You Need Pet Travel Insurance

First of all you have no idea how your pet will react to a different humidity, different weather, different insects and animals and perhaps even different food. There is a myriad of respiratory and stomach problems these different conditions could cause. The point is that it is quite easy for your pet to be ill, and what happens if you have to seek out a vet while traveling? What if you have to take your pet to the vet once you get back for a vaccination or some sort of treatment? You're already strapped for cash after all of the ordinary vacation expenses.

Secondly, the overwhelming stress your pet is going through can cause it to misbehave. Even if your pet doesn't misbehave, imagine it vomiting or having diarrhea in your hotel room and having to pay damages. This can add up quickly in any number of ways.

The final point I'll make is that there may be occasions where you can't take your pet with you where you're going. Maybe you're taking a specific tour that doesn't allow animals, or planning on eating out at a fancy restaurant. If you need someone to watch over your pet this can be costly to find someone you trust. If you had pet travel insurance you probably could have covered each of these individual problems!

I hope you can see now why it's important to take another look at something you may have originally written off. Pet insurance and pet travel insurance have both been taking off in popularity throughout the last thirty years, and it's because they are both valuable and necessary.

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Tips on Claims For Hurricane Insurance

If you have been affected by a hurricane and suffered the resulting damages, you need to file for claims from your insurance company for reimbursement of all of your damages. To do this, first of all you need to know what your insurance plan covers and what it does not. What is your share of stakes towards the damages? During this turbulent time, a few pointers on filing claims for damages from the insurance company will give you a clear understanding.

Initiating filing of claims

1. Your insurance company needs to be intimated as soon as you find damages, say to your automobile. Insurance companies have staff working in the claims department 24 hours a day. If you have rental car coverage on your policy, they will immediately schedule a rental car for your use. This is done in lieu of the fact that although there are not as many car claims as property claims during a hurricane, rental car companies may experience a shortage of available cars. Acting immediately will save one the pressures of being stranded without transport.

Taking photographs of the damaged property will help the insurance company assess your damages quicker. It may take the company time to get to your damaged property in a hurricane hit area. In the mean time, you have the responsibility to prevent further damage to your vehicle or property. Simple measures like covering broken windows on the vehicle or sheeting holes on your house roof will keep away straying animals and prevent rain from causing more damage. Do only what is reasonable and safe, taking caution not to put oneself at risk.

Losses need to be documented

2. The best claim tip would be to take a video tour of your home, recording all your belongings after having taken a policy. Or, you could do this manually, by making a paper note of the items at home. This will ensure no items are left out when the claim is made. Make a note of inconspicuous items like bed linens, vacuums, etc.

Many polices include food-spoilage coverage in a homeowner's policy. This policy covers all losses with regard to food items like condiments and foods stored in the refrigerator and freezer. The set limit is $300 to $500 per appliance. Make sure to include that amount in the claim. These reimbursements will help in recuperating from heavy losses incurred.

Claims made for Reimbursement

3. File all receipts of purchases carefully and keep them easily accessible. Most homeowner's insurance policies cover hotel expenses. Miscellaneous items like food, toiletry, medicines, entertainment items like books and movies should be covered as well. Receipts for all these purchases have to be produced to make a claim. Keeping in mind that only a reasonable amount will be reimbursed, one would do well to stay away from spending exorbitantly on clothing and other accessories. While trying to derive the maximum benefit from an insurance policy, it is to be remembered that an insurance policy only reimburses to an extent, and not the entire purchased amount.

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7 Best Pubic Relations Companies to Work For

Let's face it, the public relations industry is as about as competitive as it comes isn't it? And what is the one asset that a PR firm has to have in order to get its fair share of the market? Talent, human talent. You can have the slickest technology in town but with out the slickest people you're doomed to mediocrity. So it's not surprising that PR firms focus on finding, and keeping, the best talent in town. From an employee perspective, here's a list of the best public relations companies to work for according to the PR industry publication The Holmes Report.

Best of the Best Carter Ryley Thomas

For starters, this agency has a corporate culture that focuses on respect for the individual, a balanced life between work and home, shared responsibility and a "We work" mentality making workplace relationships that are the envy of the industry. And then there's the fact that this company is one of the very few that is entirely employee owned. That's right, everyone from the founder to the clerks are owners and no one owner can have more than a 17% share of the stock. When you're working for your own business you can do remarkable things.

Number 2 The Horn Group

This agency takes a more traditional approach to keeping employees with what Working Woman cited as "eye-bulging benefits" including paid health, dental, life and long term disability insurance. They also culture an environment of respect, innovation and professional development.

Number 3 Citigate Cunningham

Like vacations? This PR firm offers 3 weeks paid vacation in the first year and a six week paid sabbatical after four. Schedules are designed around the employee and include telecommuting. They can also offer a four day 10 hour work week. The facility has a gym, emergency child care space and a kitchen full of free snacks and sodas.

Number 4 Fitzgerald Communications

Training and professional development are what distinguish this PR firm from the rest. Entry level employees are put through a "boot camp" where they are introduced to every facet of the company and have a chance to mingle with C-Level personnel. For their seasoned employees they have a mentoring program that won accolades from Inc Magazine

Number 5 Cone

Cone, noted as one of the big-ideas PR firms places heavy emphasis on training as well investing 120 hours of training per employee per year. Tuition reimbursement programs are available as well. Couple that solid foundation in industry knowledge with liberal benefits, bonuses and 3 ½ weeks of vacation in the first year and you can see why their retention rate is so high.

Number 6 Fleishman-Hillard

One of the biggies in the industry with sales over $100 million, Fleishman-Hillard is rated highly by employees for its professional development, adherence to ethics and its 360 degree feedback program. Being as large as it is makes it more difficult to be as flexible as the smaller niche agencies but F-H tries.

Number 7 PepperCom

Pretty straight forward here with big money and big benefits. Employees do rank the company highly for professional development particularly their unique PepperCom State University. An unusual perk is the weekly visits by a nurse to take blood pressure readings and administer flu shots.

So if you are considering a move into this field, or you are ready to abandon ship at a different agency you might want to consider investigating these best public relations companies.

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Insurance Claims - Get an Advance Payment!

Insurance claim advance payments are not widely known by people who file claims. Often, when an insured has a loss of significant size, such as a flood, tornado, wildfire, hurricane loss or a big water damage loss, an advance payment of a portion of the anticipated settlement is issued by the insurance company. This situation also happens regularly when a business has a loss and needs money up front.

It is a customary and widely accepted practice for the insurance company to issue an advance payment in this type of instance. Be aware that there's nothing in the standard property insurance policy that deals with advances. It is usually just a courtesy that the insurance company extends to their policyholder.

However, they don't usually offer to do it. You have to request the advance.

Here's an example. Joe Smith's house is hit by lightning, and a fire damages most of the house. Joe's policy has Building limits of $100,000, Contents limits of $50,000, ALE limits of $20,000. The house can be repaired for $70,000, which is less than the policy limits. However, the adjuster expects that the Contents loss will exceed the policy limits of $50,000, and the ALE loss will be $15,000. The adjuster sends in his first report to the insurance company, and tells them to expect the loss to be approximately $135,000 on these three parts of coverage.

The insurance company could easily issue an initial advance payment of $25,000 to $35,000 for Contents and ALE, and $40,000 to $50,000 for the Dwelling loss.

So, what do you do if your Contents are damaged and you need the most basic things, like a change of clothes and shoes? What if you need to have a contractor secure the building and put tarps on the roof to keep further rain out of the building? Most people do not have tens of thousands of dollars just lying in their bank accounts that could be used to begin repairs, or begin replacing personal property. That's when the insurance company issues an advance.

It's best to make your request in writing. Even if it's just a hand-written letter, it's best if it's in writing. Write or type your request, keep a copy for your records, and give the copy to your adjuster. It's also a good idea to send a duplicate copy to the claims department of your insurance company. Send it by overnight courier or certified mail. NEVER rely on the adjuster to ask for an advance on your behalf. He might get delayed with other work and it could be days before he asks. DO IT YOURSELF.

Take control of your claim, my friend! Make an EARLY request in the claims process for your advance payment!

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Estate Planning - A Short Glossary

Drafting a will and planning for your estate is one of the most important decisions that you will make in your life. When you write a will, you are deciding how everything that you own will be passed on and who it will pass to in the event of your death. While some people avoid thinking about the future and the prospect of dying, estate planning is a smart decision that allows you to control and protect your estate even after you are gone.

When you decide to draft a will or create a trust fund, you will likely be bombarded with many legal terms that you may not be familiar with. This legal jargon can make estate planning seem overwhelming. On the contrary, it is a fairly straightforward process. Just knowing a few key terms and how they apply to you can clarify the estate planning process.

Estate: Your estate is all of the things that you own and owe, including all assets and liabilities.

Assets: Your assets are all of the things that you own, including property such as land, a house, a car, jewelry, furniture, heirlooms, and money in the bank. Assets also include copyrights, trademarks, and patents which are not physical things but ownership rights that you possess.

Liabilities: All of the things that you owe, such as loan, mortgage, and credit card debt.

Testator: A person who drafts a will.

Will: A will is a declaration of what you wish to happen to your estate once you pass away. It includes the names of all of the beneficiaries to whom you wish to pass on your property.

Beneficiaries: The people who you list in your will that will benefit from your estate.

Trust fund: An entity that you create to safeguard some of your assets in the interest of a beneficiary or beneficiaries.

Trustee: The person that you designate to manage a trust fund on your behalf and in the best interests of the beneficiary.

For More Information

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Easy Ways of Making Money on Line! Lots of Cash, Minimal Effort!

Easy ways of making money on line! Lots of cash, minimal effort!

The chances are you are stuck in job that you do not particularly like. Unfortunately that is the sad reality for the majority of people. The good thing is that there is a better life that is literally a click away. You might have some skills that can be transferred to make money online, or you might have to learn new skills, but the fact is, anyone can find ways of making money online.

Do you have skills?

A) Article writing an extremely big thing on the internet. You don't have to be a professional either, just charge based on quality. When I first started writing articles I was earning $15-25 per hour, which really helped me establish some of my online businesses, without worrying about cash flow.

B) Outsourcing is an extremely profitable online business. Setup a website offering some kind of service, then find some freelancers to work for you. Most outsourcing companies will take a cut of around 50-60%, so there is a healthy profit to be had.

C) Start a membership site based on a niche of your choice. Plenty of information can be found on the net, but a paid membership business model still works well if you can offer users something worth paying for. It doesn't have to be a lot, if you see potential then even $10.00 per month per member would be a good starting point.

Do you know all the ways of making money on line?

There are plenty of ways to make money on line, so you just need to pick one and stick to it. This doesn't mean for ever, some projects can last as little as a week, which means work is extremely varied.

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Nude Photographer Busted! MAKE BELIEVERS - You Animal - Webisode Four

QUICK DISCLAIMER: Partly based on incident where a "photographer" claimed to be withPETA- and we found said "Photographer" was liar liar pants on fire! PETA(Hey,any group that protects our four legged pals is champ in my book!)was not involved here. Learn more about us at www.mbthemovie.com. We take on those Craigslists ads of wild offers to unuspecting nude models. Future scams - we support basil marceaux for governor

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Finding the Right Fixer-Upper When Flipping Homes

Many real estate investors have found flipping homes to be quite profitable. Many even have developed their own personal "formulas" for finding homes and have mastered the game finding the right fixer-upper, flipping the home, and making a profit on the back end. Buying and selling homes and be a quick way to turn a profit--if you know what houses to buy. Not all flips can work as fixers; however, there are millions to be made by turning the ugliest house on the block into a Better Homes and Gardens cover story. On the other hand, inexperienced real estate investors can quickly lose money buying homes that don't turn a profit.

If you are just getting your feet wet with real estate investing and you want to dive into flipping houses, you need to know what type of property to invest in.

Know Your Market

Before you even begin, you should explore your market. Research the homes for sale in the area. Keep track of sales, how long homes are on the market, and what they are selling for. Ask questions so that you better understand the market; i.e., seller paid closing costs or sellers decreasing the asking price. All of this information will help you when you search for that perfect house to flip.

Take a look at model homes in the area. Take note of the details or perks that are making homes sell, like a garden tub or bay windows. When you remodel your home, you can add perks like these to attract buyers.

Finding that Diamond in the Rough

When you're seeking out homes to flip, you want to find homes that only need cosmetic work: paint, kitchen and bath updates, floor refinishing, etc. At first glance, you may say to yourself this will never work, but you have to use your imagination when viewing these homes. As long as there are no major renovations, you can turn a frog into a prince with a kiss of renovations. Make offers on the ugliest properties in decent neighborhoods, because these will be the most profitable.

Proceed with Caution

As you are searching homes to invest in, you will undoubtedly come across stinky, old, smelly, carpet-stained and bug-infested homes, but these are good because it's only cosmetic. Patching up holes, landscaping yards--these are all good things. Problems that you want to try to avoid are plumbing issues, structural damage, roof damage, electrical problems, etc. These things equal MONEY! Sometimes damage may be worse than what it appears, so get a contractor in there and get estimates before you make an offer. Yes, it will cost money, but it will also save you from a buying a dud.

You can make a fortune fixing and flipping smelly, run-down homes. Just remember, get it inspected, and get estimates for repairs. Knowing how to spot a diamond in the rough can mean the different between a profit or not.

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Understanding Power-of-Attorney

A power-of-attorney (POA) is a legal document or instrument which allows one person to have the legal right to take actions and/or make decisions on another person's behalf. With a broad power-of-attorney, the recipient is able to legally do virtually anything that the issuer could have done him- or herself. As such, a POA can be a very powerful device in both daily, transactional, and probate application.

Power-of-Attorney Basics

A power-of-attorney document is issued (or "executed") by a person called the Principal. This is the person who intends to delegate certain rights and responsibilities to another person, or to have that person act on his or her behalf. The person to whom rights and responsibilities are delegated is called the Agent or Attorney-in-fact. Depending on the terms of the POA, the Agent may be given the power to:

- Manage the Principal's property (including buying and selling)

- Invest, liquidate, transfer, or otherwise manage the Principal's financial assets

- Undertake litigation or deal with legal matters on the Principal's behalf

- Take other legal, financial, or property-related actions or decisions

It is important to remember that, although a POA gives great power to an Agent, the Principal is still in control of his or her own affairs, and can make decisions regardless of whether he has issued a power-of-attorney. For example, a power-of-attorney can be revoked at any time by the Principal for any reason. Certain types of POA may also become invalidated upon the Principal's death or incapacitation (i.e., if the Principal becomes mentally incompetent to make sound decisions).

Types of Power-of-Attorney

Powers-of-attorney are generally divided into three main categories: durable, non-durable, and springing.

Non-durable powers-of-attorney are POAs which take effect immediately and will become invalid, should the Principal die or become mentally incompetent.

Durable powers-of-attorney are POAs which take effect immediately but remain valid even if the Principal becomes mentally incompetent and last until the Principal dies.

Springing powers-of-attorney are POAs which are designed to take effect upon the occurrence of a certain event, such as the principal's death.

Choosing an Agent

Choosing the right Agent is a key step in drafting a power-of-attorney. An untrustworthy agent can destroy your finances, relationships, and legal standing with the powers that you delegate to them. Furthermore, it is usually up to the Principal or people close to him/her to monitor the actions of the Agent. Keeping accurate records can help catch evidence of abuse before too much damage is done.

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No Win No Fee Manchester

Manchester is the capital of the county of Lancashire and is the largest city in the North West England. It is located 200 miles northwest of London and 30 miles from Liverpool. It has three premier league football teams, Manchester United and Manchester City and Bolton Wanderers. One of its major sports stadiums the Old Trafford is home to Manchester United which is the most famous football club in the world. The other major sports stadium is home to Lancashire County Cricket Club. The 2002 Commonwealth Games, were hosted in Manchester which boosted tourism and visitors

Greater Manchester boasts over 50 museums and galleries and has the largest concentration of theatres in the UK outside London. It contains the UK's largest university which has over 30,000 students. The attraction to Manchester for students began in the 80's when many bands from Manchester were making headlines. Bands such as The Happy Mondays, Inspiral Carpets, The Smiths and Oasis all made their mark on Manchester around this time and this gave Manchester University the highest population of Students in the UK.

Business is also thriving in Manchester. Slater Heelis Collier Littler Solicitors "SHCL" based in Sale, Urmston and Heaton Moor, South Manchester are a professional group of solicitors dealing in all aspects of legal matters. Personal Injury compensation claims are on the increase and SHCL now offer free impartial advice to anyone who has been involved in an accident.

If you have been out and about in Manchester and had an accident that was not your fault you could be entitled to some damages. Every person that has an accident and suffered as a result has the legal and civil right to sue for compensation. If you would be interested in some advice on claiming Personal Injury Compensation damages then Accident Consult is here to help you. Accident Consult is made up of highly skilled solicitors and lawyers with an excellent success rate. We can guarantee that you keep 100% of the compensation awarded without any hidden costs. Accident Consult is backed by a qualified team of solicitors. Are main aim is to offer the very best advice to people who have suffered or been injured in an accident and are wishing to seek advice on claiming compensation. We have experience in dealing with all types of compensation claims and have a very high success rate.

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DO NOT VOTE for Ron Kirkland - Obama and Kirkland accede on Healthcare - VOTE FINCHER

www.westtennesseeconservative.blogspot.com Ron Kirkland and Obama agree on government healthcare bill that forces insurance companies to cover people with pre-existing conditions. ( mikeslaterradio.com ) Obama and Kirkland both know that this sort of mandate will raise insurance premiums for everyone. DO NOT VOTE FOR DR. RON KIRKLAND PLOW CONGRESS! - SUPPORT STEPHEN FINCHER

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Mediocre Attitudes and the Downfall of Greatness

It all started innocently enough as I was looking for casters. I had this idea for a piece of exercise equipment and decided to build a prototype but I needed casters - those swivel wheels that go under office chairs, carts, etc. I had to ask three sales clerks where to find them in the big box hardware store before the third clerk actually looked in the computer to figure out where they stocked them. Reluctantly, I purchased four casters from them. It turns out that it wasn't just the service that was lousy. The casters were too noisy, not smooth enough and they marked the floor.

Next day was a visit to Casterland - a store that deals only in casters. They had exactly what I was looking for. I brought them home, installed them with great success. I should have gone to the specialists in the first place. The service was better and the product was top notch. The shopping experience was outstanding. Lesson learned. Oh, and the casters weren't more expensive. They were less expensive than the big box hardware store.

Then that night, while watching an episode of Hell's Kitchen on television, it struck me that out of all of the burned scallops, raw lamb, overcooked steaks, forgotten garnish, raw halibut, contestants sweating in the food and a general willingness to attempt to sneak substandard food past Chef Gordon Ramsay that it dawned on me: one of these very mediocre finalists is going to be head chef at Araxi in Whistler, BC. Are you kidding me? (Araxi should be concerned about this kind of marketing on their behalf.)

You don't even have to be good. You just have to be lucky enough to qualify for the show in the first place. No one on the show seems outstanding in any sort of way. All of them seem to buckle under pressure. All of them have their good nights and their bad nights. The only thing that seems to be consistent is their collective inconsistency. And yet, despite their overwhelming mediocrity, one of them is going to win the big prize. All that's required is to be best of mediocre. There is no contestant who is a clear front runner. They are all equally mediocre.

While reading a blog post from Seth Godin recently, he made mention of a Washington Post columnist recently laid off because his blog posts didn't get enough web traffic. In the old days, when people read newspapers, there was no way to tell which columns readers were reading. But in today's digital age, a simple hit counter tells the tale. In today's digital age, you can't skate by by just being mediocre. Are newspapers about change? You bet they are. Reporters and columnists are going to have to start writing what we, the customer, want to read - giving us, the customer, what we want instead of just spouting their opinions and not being concerned whether or not we are reading it.

A recent trip to Best Buy illustrates how mediocre service has become. I was looking for a simple desktop microphone for a computer that plugs in through a USB terminal. I asked one of the associates. His reply, "I don't think we sell those."

I asked him if there was someone he could ask to which he turned and did exactly that. He returned several moments later claiming, "No we don't sell those."

His department supervisor happened to be walking past at that moment and I turned to her and asked if she could point me in the direction of desktop microphones that plug-in through a USB terminal. She reached past me down to the bottom shelf and pulled up the very microphone I had been looking for.

I turned to the first sales associate and simply said, "I guess you do sell these."

His reply, "well I asked someone and they said we didn't."

This would have been a great opportunity for the sales associate to simply make the customer happy. All he had to do was smile, apologize for his error and move on. But he didn't. It was more important for him to be right than it was for the customer to be happy. That is so incredibly mediocre. Any organization is capable of doing that and sadly, most do. Best Buy finished below mediocre in that instance.

Then, this morning on the LinkedIn bulletin board came this answer to a question: "There is what is called the 20-80-20 rule of management. 20% of people will hate you no matter what. 80% will have no opinion either way. 20% will love you no matter what."

Is it just me or can you do the math as well? It adds up to 120% doesn't it? The question was answered in this way by a self-professed MBA. He used the letters right after his name in his profile. He seemed proud of his MBA. Sure, we can cut the guy a little slack for making an honest mistake but here's the problem: he didn't check his work before he submitted it. That's a mediocre effort. How many other times does he submit his work without checking it? Putting that answer out in front of millions of people without checking his work made him look sloppy - sloppy with an MBA. That's mediocre.

Had someone without an MBA made the same mistake we would have simply passed it off as though they had no idea what they were talking about. But this guy was an MBA. He should know what he's talking about. He should have checked his work. But he didn't because he gave a very mediocre effort. If you're going to live by the title you had better be meticulous. People are watching. But even with an MBA, "good enough" seems to be good enough.

And that's the problem in corporate North America today. Mediocrity is rampant. "Good enough" has become good enough. But there is good news: to be outstanding, all that is required is to be one step above mediocre. Anyone can win in that market. That should be encouraging news to any organization looking to be the best in their field.

But you have to want to be the best in your field in order to be one step better than mediocre. Sadly, most don't. And so they wallow in mediocrity just like everyone else. They accept mediocre performance from their people. They accept mediocre ideas. They accept mediocre management. They accept wallowing somewhere in the middle of the pack as okay. They train their people to be simply competent -- not outstanding -- just competent - and more often than not miss that mark too.

If your people are good but not great, if your management is good but not great, if your sales numbers are good but not great, if your attrition numbers are good but not great, if your safety numbers are good but not great, if your innovations are good but not great, if your service is good but not great, if your results are good but not great then you have a corporate culture of "good enough." Don't deny it. It's right there for everyone else to see. Your results prove it.

To go from mediocre to greatness requires the adoption of seven attitudes:

* the Attitude of Money, Security and Safety,

* the Attitude of Resilience,

* the Attitude of Connectedness,

* the Attitude of Gratitude,

* the Attitude of Service,

* the Attitude of Leadership,

* the Instigational® Attitude.

The difference between greatness and mediocrity is one step. Sadly, you probably won't make that step because where you are seems to be good enough.

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Sovereign NZ TV Ad - More Claims - 30secs

Sovereign New Zealand - In life we love the ones who pay us in compliments, in love or in lollies. And Sovereign pays out more in claims than any other NZ provider. Humorous life moments, captured in framed pictures on walls, show us how we care for the special things in life - which Kiwis trust Sovereign to do, too. For more information about Sovereign talk to your adviser or visit www.sovereign.co.nz Voice over by Sir Michael Gambon Client Sovereign Marketing: Craig Waugh, Richard Allen Agency: TBWA\Tequila Creative Director: Guy Roberts Deputy CD/Writer: Corey Chalmers Account Director: Victoria Graves, Blake Crosbie Account Manager: Leila Roberts Agency Producer: Marg Slater Director: Summer Agnew @ Curious Producer: Seth Wilson, Tara Riddell @ Curious

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Toyota Grand Prix Long Beach - Celebrity Race 028 - 041710 - PapaBrazzi Report

BLRock 995 - Toyota Pro Celebrity Race in Long Beach, California. Names like Chris Ashworth North Hollywood Toyota - Vice President, Jamie Bestwick BMX Rider, Adrien Brody Actor, Adam Carolla Comedian and Writer, Tanner Foust TV Host Pro Racer and Stunt Driver, Brian Austin Green Actor Director and Producer, Tony Hawk Action-Sports Athlete, Zachary Levi Actor, Jesse McCartney Singer Songwriter and Actor, Steve Millen Racing Champion, Marty Nothstein Drag Race Driver and Former Champion Cyclist, Dave Pasant Retired Insurance Executive, Megyn Price Actress, Keanu Reeves Actor, Christian Slater Actor, Tika Sumpter Actress, Jimmy Vasser 1996 IndyCar World Series Champion, Patrick Warburton Television and Film Actor, Jerry Westlund Charity Auction Winner. The Toyota Pro/Celebrity Race is an annual 10-lap auto race held each April since 1977 as part of the United States Grand Prix West, and later the Toyota Grand Prix of Long Beach weekend at Long Beach, California. Since 1991, the event has raised money for "Racing for Kids," a national fund-raising program benefiting children's hospitals in Long Beach and Orange County. The TPCR pits celebrities against professional racers from various types of motor racing. From its inception until 2005, From 1977 until 2005, the drivers drove showroom stock Toyota Celicas. Since 2006, the Scion tC is the car used in the race. Celebrity contestants range from Hollywood's "A-list" elite, budding young stars and starlets, professional sports ...

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Your Chosen Perspective Changes Everything - Perspective and the Macarena

Monday through Friday of every week, I find a personal note from the Universe in my email inbox. Well, yeah, I know there are thousands of earth souls receiving this same message from Mike Dooley, the creator of Tut.com, but it's fun to believe the Universe is talking directly to me. So often the message of the day has been eerily timely... such as this one:

"Tell me, when you think of taking consistent action in the general direction of your dreams, Susan, do you imagine discipline, stamina, work, sacrifice, monotony, courage, and strategies, or are you thinking adventure, discovery, new friends, excitement at the crack of dawn, magic, surprises, fun, laughter, and, on occasion, the Macarena?

Cool! Me too, "HEY!" The Universe

PS. "Your chosen perspective, Susan, changes everything."

Well, that's a no-brainer. I choose door number 2! I didn't always feel this way. I thought the first scenario was what work looked like, and the second was all about play and never the twain would meet.

I had a real Aha moment when the Universe gave me this poke in the ribs last week. Especially the PS. "Your chosen perspective, Susan, changes everything." I realized I had been receiving subtle, and not so subtle, signs of this truth in my life lately.

A few months ago on a Sunday, I trotted out to my car to run a quick errand. The back passenger side tire was completely flat. I studied it carefully to determine if it had human help getting that way. Two years ago, also on a Sunday, I trotted out to my car to discover that both tires on the passenger side were completely flat and had been slashed with a knife. Random. Not a good feeling.

So, I called my insurance company for emergency roadside service and they arranged for a tow truck to come out. The cranky driver told me the tire stem had been deliberately cut and when I thought out loud "Why would somebody do that?", he said it was the neighborhood I lived in. What?! I tell you, this guy was snarky! I knew from my former experience that there was a tire center open on Sunday, so he only had to fill it with air. He was less cranky then and went on his way.

But by now I am upset. I am ranting and raving about the neighborhood and that I am going to move. I've had it with neighbors who would slash your tires for the fun of it. Or toss a drink cup in your yard because they are too lazy to dispose of it properly. Or let their dog do his business by your tree. Blah. Blah. Blah.

I got to the tire center and settled in for what I was told might be a long wait in a hard plastic chair. It actually wasn't all that long before someone came out and told me that the tire stem had NOT been deliberately cut, but had heavy wear on it from taking corners too close and rubbing on the curb. Oops... guilty. They didn't even charge me for fixing it. Wow. What a good feeling.

My perspective was flip-flopping back and forth like a fish out of water that Sunday. The good part was that I got it. I became totally aware that I choose my perspective. I'd worked up a good head of steam over something that was not even true and was ready to sell my house and move. I bought into the cranky tow truck driver's perspective.

My true perspective is that I love my house, I love my neighbors, I don't mind picking up the stray litter and tossing it, and sometimes a dog's gotta go when it's gotta go. No big deal.

Whether it's work, play or the everyday happenings of life, I am choosing the perspective behind door number 2:... adventure, discovery, new friends, excitement at the crack of dawn, magic, surprises, fun, laughter, and, on occasion, even the Macarena! How about you?

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Sovereign NZ TV Ad - Trust - 15secs

Sovereign New Zealand - Trust - In life we only let those we trust take care of the things we love. And more Kiwis trust Sovereign than any other NZ provider. Humorous life moments, captured in framed pictures on walls, show us how we care for the special things in life - which Kiwis trust Sovereign to do, too. For more information about Sovereign talk to your adviser or visit www.sovereign.co.nz Voice over by Sir Michael Gambon Client Sovereign Marketing: Craig Waugh, Richard Allen Agency: TBWA\Tequila Creative Director: Guy Roberts Deputy CD/Writer: Corey Chalmers Account Director: Victoria Graves, Blake Crosbie Account Manager: Leila Roberts Agency Producer: Marg Slater Director: Summer Agnew @ Curious Producer: Seth Wilson, Tara Riddell @ Curious

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Academic Challenge - Benedictine, NDCL, Western Reserve Academy (2006) Part 1

Here's another Academic Challenge episode, this time from the 2005-2006 season. This is the Lightning Round. Does anybody else notice an error on Adam Shapiro's part during the last question? Western Reserve Academy buzzes in, then Notre Dame Cathedral Latin buzzes in, but Adam calls on NDCL. He's obviously not paying too much attention. Shame on you. Video remains the sole property of its respective owners. It is not for sale, and no challenge to ownership is implied. This video is uploaded for entertainment, educational, and historical purposes only and falls under Fair Use guidelines.

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