Friday, November 23, 2012

Vision Insurance and Prescription Glasses

A lot of people wonder whether their insurance policy covers prescription glasses too. The answer to this question will depend, of course, on the type and breadth of your policy. Generally, unless you have a specific vision insurance policy, prescription glasses will not be covered.

In most policies, vision and things related to it (glasses, contact lenses, etc.) are covered only if there is any damage to your eye due to an accident or injury. Routine eye problems are not covered under most plans. Therefore, it is recommended that you get a group or individual vision insurance policy - a small add on to your general plan that will significantly lower the costs of regular eye exams. Additionally, most plans also subsidize the cost of prescription glasses or lenses along with any surgery such as LASIK, etc. The only condition is that you have to procure the glasses from specified opticians only.

The add on cost of vision insurance over your existing policy is generally small (around $150 p.a. - less than $15 per month) There is usually a deductible which is under $50 in most cases. This is a significantly small price to pay for the rewards, which can include coverage for routine eye exams, prescription glasses, lenses, and even surgery such as LASIK, etc.

A group or individual vision insurance policy is a great choice for those who have a history of vision related problems. With the amount of time spent before computer and TV screens, the chances of damaging the eyesight have only increased. Keeping these factors in mind, it is recommended that you get a vision policy in addition to your regular insurance plan. The costs are minuscule compared to the benefits. Not only will it cover your eye exams, but also help you save money on glasses, contacts, and even surgery.

A Letter to Those Who Would Be Bloggers

Everyone talks about how "Quality is King" but they never really define that. Quality is something you'd end up being proud you have written. Something you would go to another blog's website and read. At least, that's how I define it.

Most well written blogs, that are truly a joy to read, follow one simple creed. They write what they would read, thusly writing for themselves. A blog like mine, which is quite personal, I know this is how it has to be. Which is fine, because that's what I want to do. When I think of my audience, I think of myself first. What would I want to read?

And that gets into the realm of fun, because the best joy you can have in your life, as a writer, is truly enjoying what you've written, and then having others enjoy it as well. More often than not you will find that what you like to read, others will enjoy it as well. But it also boils down into simply enjoying what you write for the sake of writing.

On a blog entitled, "Aphorism of the Day," I found an aphorism posted on November 7th, 2012, and it said, "Blessed is the nightbird that sings for joy and not to be heard." We always try to relate the human experience to the animal kingdom, and there's no denying listening to birds chirp can be a wonderfully calming experience, as long as you don't have some annoying species of birds in the back yard...

Birds simply sing their songs, sure they probably have some kind of genetic drive to do so, but its something they just simply do. They don't do it for recognition or because human's like to hear it... And that's what blogging should be in the end, I believe.

Sure, you can have niche blogs that are blogging about a subject to help or educate people. But I write sheerly for entertainment. I write because I enjoy it. The serious subjects I get into, I get into in hopes that people reading them can find a commonality with their own lives and maybe get comfort or help from knowing that there others out there who experience such things. I write to get things off my chest, and maybe, just maybe someone out there will read what I've written and smile, or maybe they'll laugh, or maybe they'll cry.

Whatever my readers do, I just hope they enjoy the time they spend on my site, because though I think of myself as the main audience, I am only part of that audience, of which I pander to.

A Look at Fractional Jet Ownership

We've all experienced it - the commercial flight. After a mad dash to make it to the airport on time, including the hours allotted for getting through security, where you'll have to take off your shoes, empty your pockets, and prove that your laptop is not a bomb, you sit and wait for a couple hours before they decide to start boarding, and give you the privilege of sitting in the cramped seat that you paid a couple hundred dollars for.

The mega-rich have always had the option of private aircraft available to them. If you're Donald Trump, you can think nothing of equipping yourself with a Boeing 727 that costs probably close to $50 Million (not including the costs of pilots, flight attendants, support staff, insurance, fuel, maintenance, etc.). For others, however, the idea of a private jet has been outside the realm of possibility. An exciting concept in private aviation, however, is allowing private jet travel to make more sense for those who have seriously considered it as a possibility.

Fractional jet ownership is a fairly new concept. It is based on the idea that an individual can purchase a fraction of a plane, and pay management and operation fees to a company that will be responsible for safety, pilot training, hiring of crew, and all those other things that you don't want (or wouldn't know how) to deal with. Fractional ownership can substantially cut the costs of owning your own aircraft.

Fractional jet ownership is provided by a number of companies, including Cessna's CitationShares, Bombardier's Flexjet, and NetJets, the company that started the trend. As consumer interest in fractional jet ownership has increased, so has the competition between these companies. CitationShares and Flexjet are owned by aircraft manufacturers, their respective fleets composed mainly (if not entirely) of the planes they make. NetJets, on the other hand features a broader spectrum of aircraft, and is the industry leader. As such, that's who we'll be focusing on today.

It is true that the fractionals substantially cut the costs related to owning an aircraft. That's not to say that private jet ownership is for everyone, however. The primary target of the fractionals consists of those who have considered owning (or sharing) a jet, but found the arrangements too complicated or expensive to justify, as well as those who are used to first class air travel, but want to make a step up. The fractionals are also an attractive deal for mid-sized companies who need the convenience of a private aircraft without the premium price. According to NetJets's website, purchasing a 1/8 share in a Raytheon Hawker 400XP would set you back $793,750 plus a $10,582 monthly maintenance fee, and an hourly charge of $1,501. That 1/8 share works out to about 100 occupied hours per year. Yeah, it's expensive, but when you consider the price of seven first class tickets from New York to Miami, it suddenly becomes more reasonable. In fact, as a little experiment, I attempted to get the price on such a flight on very short notice. NetJets claims that your plane will be waiting on the tarmac within 6-12 hours notice. With a commercial carrier, I was unable to find a next-day flight, I was unable to find first class seating, and on one airline, I was informed that a return flight wouldn't be available until a week after the date I requested. If short notice flights are commonplace in your life, NetJets offers the solution.

Let's say, however, that you aren't interested in a small aircraft like the 400XP. What if you want something that can fly from New York to London non-stop? Well, just step into one of NetJets's large cabin aircraft. If you are lucky enough to afford these multi-million dollar jets, you will enjoy the highest degree of luxury. The Gulfstream 550, for example, is the latest and greatest in Gulfstream's line of long-haul private aircraft. Aboard, you will find a satellite telephone, video monitors, a DVD entertainment system, data ports, a fax machine, and whatever else you need to run your operations (or enjoy some well-deserved down time) at 30,000 ft. Naturally, the Gulfstream 550 also offers a full service galley, as well as a flight attendant for you and 13 others.

The final frontier in fractional ownership is the Boeing Business Jet (BBJ). If you've ever flown on Boeing's popular line of 737 airliners, you know how big the BBJ is. That's because the BBJ is actually a gutted 737, which is then outfitted with the latest in in-flight luxury. In fact, the BBJ is even available with a boardroom, bedrooms, and a shower. Yeah..... a shower. Nothing says success like the ability to roll out of bed, take a shower, eat a nice breakfast - all while you cut through the air at 528 mph. If the $50,000,000.00 price tag (full price) is a little disturbing, owning a fraction with NetJets can take a large chunk out of it.

Fractional shares start at 1/16 of a share, which can be as low as $369,875 in a Hawker 400XP. That's 50 hours of flying time. For those who don't want the commitment (or the cost) of buying a fraction, NetJets has implemented a lower-cost solution that they call the Marquis Jet Card. The Marquis Jet Card starts at $109,900 for 25 hours in a Cessna Citation V. With the Marquis Jet Card, required notice jumps up to 10 hours, which is still much better than anything the airlines can offer. The card offers the convenience of chartering an aircraft, with the peace of mind that you get from NetJets's safety standards. Other fractional carriers also have prepaid jet cards, so this is a [somewhat] affordable solution for those who don't want to deal with the monthly or upfront costs of ownership.

If you decide that fractional ownership is for you, be warned, you should thoroughly investigate the pilot training, safety procedures, aircraft, and management services that each company offers before making a decision. The big three, NetJets, CitationShares, and Flexjet, offer excellence in each, but some newer fractional start-ups may not be up to snuff. Remember that your security and safety is paramount, and if you feel that it's inadequate with a particular company, take your business elsewhere. If you're serious about making a fractional jet purchase, and live nearby to their operations, don't hesitate to ask for a tour of their aircraft and facilities, they should be more than happy to accommodate you. Many fractional operators hold regular events around the country in which prospective buyers can take a look around the aircraft and the service that they offer.

Fractional jet ownership offers the best of luxury, security, and functionality without the premium total ownership requires. If you've been considering buying or chartering private aircraft, fractional ownership just may be for you.

Health Benefits of Hot Tubs

There is no greater feeling than stretching out in the warm, steaming water of a hot tub on a cold winter evening. Hot tubs are most famously known for their recreational purposes; however the soothing hot water and massaging jets offer many therapeutic health benefits and relief from pain. The first tub was developed in the early 1940's by a gentleman named Candido Jacuzzi, who was intent on creating a therapeutic device to reduce his son's suffering at the hands of rheumatoid arthritis. These days, hot water spa is considered more of a pleasurable and entertaining past time, the medical effects are still as evident as they were back when Jacuzzi was able to provide relief for his son.

Wooden hot tubs have long been known to relieve muscle tightness and pain and are often used by professional sportsmen and women, such as baseball players, divers and long distance runners. The warmth of the water carries the same effect as placing a hot water bottle or heating pad on a sore area. The way in which water surrounds an individual's body, allows for the body to loosen and relax, and for sore muscles to unwind. The pressurized jets that define the hot water spa tubs are the perfect mini massagers, relieving pain and stiffness when applied directly to a tense or painful area of your body. Also, the buoyancy of the water allows for you to stretch out sore muscles and perform light exercises in order to heal long standing or recurrent injuries.

Cedar hot tubs have been known to offer relief of arthritis, just as Candido Jacuzzi discovered back in the day. Joints are able to move around freely, once again due to the buoyancy of the water, as our bodies are virtually weightless when we are submerged in water. Activity in water has proven to be so successful and beneficial for sufferers of arthritis, that the Arthritis Foundation has now made it a best practice for arthritis sufferers to participate in water related therapy.

The warm water and massaging jets are also good for your heart, as indicated by the American Heart Association and Heart and Stroke Foundation of Canada. When submerged in warm water, blood vessels dilate increasing the flow and pressure of blood throughout t body, greatly reducing risk of heart attack and stroke.

Lastly, hot tubs ate a great resource for anyone suffering from insomnia or if you are just simply not tired enough for bed. By soaking in a warm swim spa before bedtime, your body has an easier time of transitioning into deeper sleep. If you are ever up at night pacing and dreading the thought of facing another day with inadequate sleep, try soaking in a spa for 15 minutes before bedtime.

Hot tubs are most famously known for their recreational purposes; however the soothing hot water and massaging jets offer many therapeutic health benefits and relief from pain. If you are looking to improve your overall health, consider the possibility of a hot tub's therapy.

Shannon O'Toole Author of Wedded to The Game & Wife of a NFL Player and Coach Interviewed

Author: Shannon O'Toole

ISBN: 0803286252

Good day Shannon and thanks for agreeing to participate in our interview.

Thank you for the invitation!

Norm:

Shannon, please tell our readers a little bit about your personal and professional background.

Shannon:

I received my master's degree in sociology at Western Michigan University. My master's thesis was entitled "Professional Football Players' Attitudes Relating Toward Women and Violence." When I was 19 years old and playing softball at Western Michigan University I met John Morton. For the past 14 years, John has been involved with professional football. He played for 5 years and now he is a coach. (In February 2006, he signed a 2-year contract with the New Orleans Saints as their "Passing Game Assistant"). My academic background combined with my personal experience made me very interested in the topic of NFL Women.

Norm:

How did your Masters degree in sociology help you with your research and in the writing of your book?

Shannon:

It helped immensely. It is an excellent discipline for examining social issues and dynamics. In the book I delve into sexism and racism in context to professional football. Sociology has opened my eyes to societal inequities and injustice and it has molded me into the woman I am today.

Norm:

What is the underlying message or theme of Wedded to the Game: The Real Lives of NFL Women?

Shannon:

The message is clear: these women are not the stereotypical shallow, gold-digging, Barbie dolls. They are sharp, strong-willed and opinionated. They are multi-tasking, talented women who take on and conquer the challenges that NFL life throws at them. In fact, they are tough, if not tougher than the men who play and coach the game. The percentage of women who fit the negative stereotype is probably less than ten percent - and these types of women never last for long. Those who learn to cope with the NFL's immense difficulties become stubborn, resilient and wise survivors.

Norm:

Do you believe that the sampling of interviews was sufficient to come to some of your conclusions?

Shannon:

I do, mainly because I was very careful to select women whose experiences ran the gamut of NFL life. While I spoke with Jackie Rice who is married to All-Everything Jerry Rice, I also interviewed the girlfriend of a rookie free agent who was simply hoping her boyfriend would be on the roster so they would have health insurance at the time of their baby's birth. Ultimately, I knew there was an adequate sample when I began to hear the same answers to my numerous questions. We really are a sisterhood with shared experiences unique to professional sports life.

Norm:

Why did you feel compelled to write this book?

Shannon:

To quote the preface:

When I began my research for this book I had an ulterior motive. Although I have been in the NFL for twelve years now and I know very well what this life is like, I was also seeking the advice and hard-earned wisdom of women who had already found solutions to my numerous concerns. I still struggle with the life I've chosen, and so I wanted to know: How do other women deal with the NFL? How do they cope and survive? What are their experiences?

I knew these women did not fit the stereotype. I wanted other people to know it too.

Norm:

Can you explain some of your research techniques, and how you found sources for your book? I notice there is an absence at the end of the book of a selected bibliography. Any reason for this omission?

Shannon:

To quote the preface:

I sent an anonymous survey to over 150 women and got back an amazing 75 responses. Out of those 75 responses, I chose 30 women to interview in depth. Their stores make up the heart of this book. About half were willing to go on record and let their names be used, and about half wanted to remain anonymous. In the initial anonymous survey, I asked respondents to either "agree strongly, agree mildly, disagree mildly, or disagree strongly" to a myriad of statements regarding NFL life. These responses form the basis of some of my general statements and conclusions about what off-the-field life is like for women. Then, over the course of my thirty one-on-one interviews, I received full, in-depth answers to these often difficult, complex questions.

Regarding the absence of a bibliography, the current literature on professional sports spouses is minimal. Most of the published works are salacious, racy novels that simply serve to perpetuate the unfair stereotypes. My book is the only book on the market (that I am aware of) that is part insiders tell-all and part sociological study.

Norm:

What obstacles did you have in writing and researching your book?

Shannon:

There were very few obstacles during the research process. I was surprised by the willingness and the eagerness of the women willing to speak about their experiences. They wanted to talk, not just about the good times, but about some of their most dreadful and unbearable experiences. NFL Women are almost universally overlooked by the public and the media, and what I discovered is that they have things to say and they want to be heard.

My difficulties arose during the writing process. Before I began this book I was completely naïve regarding the art of writing. I had NO IDEA how difficult a task it is to write well. Writing well is a true skill and I did not have the needed training. I lost count of the number of major revisions. But I did have a goal to see my name on a book cover, and I was completely and thoroughly determined to reach that goal. (I also have a coach for a husband and he knew all the right motivational buttons to push!) Like millions of writers, my proposal was rejected again and again before it finally found a home at the University of Nebraska Press. And even then, I needed the skill of a fantastic outside developmental editor, Jeff Campbell in San Francisco. I am forever in his debt for the beautiful things he did with my manuscript.

It took me 5 years from start of research to the final finished product. That is a long time. But the feeling of self-fulfillment that I have right now, makes every day of those 5 years well worth it.

Norm:

How has the feedback been so far? What are your hopes for this book?

Shannon:

From both within and outside of the football world, the favorable feedback has been tremendous. Andrew Yardley of the Washington Post called Wedded to the Game an "intelligent, thoughtful book." Feedback from NFL Women includes phrases like, "great insight as to what life is really like for us" and "invaluable information for rookie wives/girlfriends." The central theme, according to a woman married to a player, "It was comforting to know that while the stories may vary many of our experiences are the same."

Even women who are not fans of the game can relate to many of the book's issues, such as frequent relocation or dealing with a partner's long hours - both common occurrences in today's American work culture.

Currently, I am speaking with two television producers who are interested in the topic of NFL Wives. Check my website for updates on these projects.

Of course, I hope this book continues to grow in popularity and one day reaches the Best Seller List . . . with Oprah's help. (smile)

Norm:

What is next for Shannon O'Toole is there anything else you wish to add that we have not covered?

Shannon:

It is my dream to implement and facilitate an NFL Women Mentoring Program. The mission of this program is to lessen the strain and uncertainty, and thereby increase the life satisfaction of women new to the league by formally connecting them with experienced veteran wives/significant others. In these relationships, veteran NFL Women offer advice, answer questions, and guide their mentees in developing skills and methods for copy with the myriad of circumstances unique to NFL life. I am currently speaking with the league office along with the NFLPA about offering this program on a league-wide basis.

In the immediate future, John and I look forward to helping the people and the animals affected by Hurricane Katrina. "Recover, Rebuild, Rebirth" and GO SAINTS!

*Note: Hurricane Katrina dogs and cats continue to need loving homes. Please go to: http://www.petfinder.com to adopt one of these deserving animals.

Crunchy Coleslaw With Roquefort or Blue Cheese

Coleslaw goes with everything. Pulled pork sandwiches are often topped with this crunchy salad. It is also a common "side" for grilled steak, chicken, pork, and fish. Like soup, it is one of those recipes that tastes better the next day.

Though you can buy packaged salad in the grocery store, some nutritionists think pre-cut vegetables lose some of their nutritional value. Instead, they recommend buying whole vegetables and slicing or shredding them yourself. If you're watching your weight as I am, this recipe is a good choice.

Cabbage is filling and a storehouse of nutrients. According to the Nutrition Data website, the raw vegetable is low in calories and contains no cholesterol. One cup of chopped, raw cabbage contains only 22.2 calories. It also contains Vitamins A, C, D, E and K. This common vegetable is also high in calcium, with 35.6 milligrams per serving.

Commercial dressing is an option, but one I try to avoid because of the high sugar and salt content. One brand listed high fructose corn syrup as the first ingredient and that's not for me. I prefer to make my own dressing and used a sugar substitute. You may prefer to add sugar.

I read cookbooks like some people read novels. When I was paging through some of my cookbooks I came across several recipes for this crunchy salad with Roquefort cheese. Since I had made the salad (my husband and I had already eaten half) I added some cheese to the remaining coleslaw. It was so fantastic I decided to serve it for dinner.

To my surprise, the blue cheese flavor was barely there. That's why I recommend adding the cheese just before serving. Most coleslaw recipes call for cider vinegar. Since I didn't have any, I used rice vinegar instead. Bok choy may also be substituted for green cabbage. Are you wondering what to serve with sandwiches or a picnic supper? This sassy coleslaw will please all Roquefort cheese-lovers.

Ingredients

3 cups thinly sliced or shredded green cabbage

3 cups thinly sliced or shredded red cabbage

1 1/2 cups shredded carrots

1/2 cup green onions, white and green parts, chopped

1 cup light mayonnaise

2 tablespoons rice vinegar

2 tablespoons sugar substitute

1/2 teaspoon lower sodium salt

A pinch of pepper

1 cup crumbled Roquefort or Blue cheese

Method

Combine all ingredients, with the exception of cheese, in a large bowl. In a small bowl whisk together mayonnaise, vinegar, sugar substitute, salt and pepper. Pour over vegetables and toss gently. Cover with plastic wrap and refrigerate for two hours or more. Add Roquefort or Blue cheese just before serving. This recipe serves about a dozen people.

Copyright 2012 by Harriet Hodgson

Turn Your Adapted PE Class Into an All-Star Show

There are plenty of ways to adapt sports for a special education class in physical education. However, simply changing the game and keeping it as real as possible can be boring in some cases. I would like to offer some tips to allow students shine by showing off skills that may not be encouraged in a day-to-day physical education.

Basketball is a very popular sport that most students know. The easiest adaption for a lesson in basketball would be to simply place hoola-hoops in the bleachers. However, working on shooting skills on a lower hoop can get old rather quickly. Why not spice things up and host a slam dunk competition? With the hoop lowered, all students will have the ability to dunk safely without needing to jump. Encourage the students to replicate their favorite basketball players and be as fancy as they like. It is very simple to have peers and teachers be the judges, rating each dunk just like in the NBA. Along with rating student's dunks, it is important to create an exciting atmosphere. Cheering and applause after each performance is crucial, let the students know what they did was amazing. Add some fun commentary, "Holy cow! Did you see that slam?! We have a regular Michael Jordan in class!" Students will feed off of this energy and really get into the game.

With a sport like basketball, there is much more that can be done to allow students show off their talents. The game of "Horse" is always a fun game that promotes creativity. Students can show off their ability to do trick shots that people may have never know could be done. Try hook shots or shooting backwards from various distances, some students may even have their own shot to show off.

Dribbling in basketball and soccer allows for a lot of fancy foot or hand work. We have all seen professionals achieve incredible things when handling a soccer ball or basketball. Granted these students are not professional athletes, we need to encourage them to try these fancy skills. Challenge students to juggle the soccer ball as many times as possible. To make this simple, use a beach ball or a balloon so students will be able to juggle for longer. After students have challenged themselves, you can turn it into a team effort. In groups, they can work together to keep the ball up for as long as possible using only their feet. Teach the students how to use their head in a game of soccer (still using a balloon or beach ball) and add that to the juggling contest. The games will be much more fun adding a little flavor with these skill challenges.

These skills may not be conventional or recommended for a class, but adapted physical education is about allowing the students to have fun with their physical activity. Showing off skills is often frowned upon in these sports, but we have to remember this is physical education. We need to promote the showmanship so students can feel like a real superstar in class, something many children dream of all their lives.

The Benefits of Having an Umbrella Insurance Policy

Many people often think that their homeowners and auto insurance is enough to cover expenses as well as protect assets should an accident occur. What no one expects to happen, but very likely could, is an incident where they are sued for an extremely large amount of money that goes above their liability insurance limits. Most people do not carry umbrella insurance though, because they think that nothing catastrophic will ever happen to them. Unfortunately, when these situations do occur, they will realize that everything they worked for in their life is now at risk of being lost because of one unfortunate situation.

Let's say that you are involved in a car accident where the other driver is severely injured, and their luxury vehicle is damaged. They could sue, and if the award is, for example, $1,000,000, but your coverage has a limit of $500,000, then they could go after you for the $500,000 difference. Most people don't have $500,000 lying around, so your home, savings accounts, other assets, and even future salary could be at risk.

Umbrella insurance, which is a form of extended liability insurance, pays for any amount that goes above the liability limit for your home or auto insurance. In the previous example, if umbrella insurance was a factor, then that extra $500,000 would be covered, and your assets would be protected. Umbrella insurance pays up to the amount you select, which usually ranges anywhere from $1,000,000 to $5,000,000. This means that your car insurance liability will be used first, and then anything above that amount will come from the umbrella policy.

Umbrella insurance is not just for rich people; everyone can benefit from it since it is affordable. When an insurance claim is filed, most of the money that pays for liability expenses comes from your regular insurance plan, which is why regular insurance is more expensive. Umbrella insurance coverage is only used when the expenses go above and beyond that amount, and therefore makes it less costly.

The more assets you have, the more important it is to have this type of additional insurance. It is important to know the value of your home and other property to help you assess how much additional coverage will be necessary. Finding yourself in a stressful situation after an accident is tough in itself, but if you are protected financially, it will help you focus on what is important, and not on what you could possibly lose.

Agricultural Jobs - Changing Opportunities

Agriculture has always been a very integral part in American history. The first settlers to come over to America needed to become good farmers in order to survive. The agriculture industry has grown by leaps and bounds since that time, and now the agricultural job market can be very rewarding. Many of the new agricultural jobs available these days deal with the new types of technology that are required to produce the crops that America demands. The days of a family working their land by hand and producing a small amount of crops is over. Now many large plantations are run by huge corporations that capitalize on many of the new emerging technologies to harvest a larger amount of crops in a shorter period of time. If you would like to get one of these new types of jobs in the agricultural industry, then you will need to make sure that you stay on top of the new technologies available.

Many of these new jobs in the agricultural field have embraced these new technologies. Two of the new technologies that have created many new jobs in the agricultural industry are global positioning systems (GPS), and biotechnology. The GPS systems have really enhanced the ability for farmers to seed and harvest their crops in the best way possible. They can make sure that they position all of their crops exactly where they want them to be for them to be the most productive. The biotechnology field has really helped the agricultural industry, because many new innovations have allowed better and safer fertilizers to be used on crops. Biotechnology has also helped farmers to better understand what helps to make their crops better. Both of these new technologies are very interesting and offer many new opportunities. The agricultural industry still requires quite a bit of hard work to bring in a good crop, but now many people can take advantage of these improvements to make the industry a much better experience.

Floods - What I Should Know

Flood is the overflow of large amount of water onto the norm dry land. Flood appears when the overflowing waters submerge land and cause deluges. It is a pitiless and destructive expression of water. Floods are sometimes deadly, devastating and damaging. They kill a number of people, crops and damage houses, and cause vast destruction. In wider terms, floods are of 2 types; catastrophic floods and Natural floods.

What is a Natural Floods? Causes- Natural floods are caused usually by the overflow of the large volume of water, fro lakes, rivers, oceans, or by excessive rains or downpours, cyclones, hurricanes, etc. Natural floods could be Riverside floods - caused by rivers; Coastal floods - caused by cyclones, hurricanes and tsunamis or estuarine floods - caused through a combination of storm-force winds & sea tidal surges. These are one of the most usual natural disasters.

What is Catastrophic Floods? Catastrophic floods caused by various significant and accidental events, for example dam breakages. Excessive rainfalls are one of the primary causes of floods. The level of water in lakes or rivers rises due to heavy rain falls. If the level of water increases the river or dams, the water begins to overflow, which causes floods. The excessive water overflows to the border of the rivers, dams or lakes, causing deluge or floods. The water floods causes chaotic situation and huge destruction in the distance where it flows. Floods appear more in the regions that takes heavy rain falls.

The Main Causes of Floods Floods are caused due to huge snow melting. Global temperature is increasing due to global warming. The increasing temperature creates the snow caps and melts quickly. Continuous and rapid melting snow raises the level of sea water, which consequently increases the level of water in rivers; when the level of water rises in the rivers above the river banks, it will cause floods. Usually, floods appear more in the low-lying regions or the areas under the sea level. One of the primary reasons is that rivers slowly flow in these areas compared to above sea level. The amount of water increases in the areas which is low. When the level of water increases in some regions, certainly floods started. There are also various human causes of floods. Deforestation is the primary major causes of floods. Trees are being cut down fast from large areas. As the effect, soil is quickly eroded, and the soil that is eroded gets settled beneath the rivers and seas, which increase the level of water in seas and rivers, which consequently cause floods.

Why Used Deforestation? We know that electricity is generated by Coal burning and the source to get Coal is by plants. We can't deny that electricity is part of our daily living as the growing industrial revolutions. Coal is a pure carbon which increases the greenhouse effect to our atmosphere. There are many gases in our atmosphere and this normally occurring in natural process but the problem is there is too much of it that certainly leaves to imbalance. Suppose your car is parking in an open parking lot which is directly heated by the sun. Your window is tightly closed. When the suns heat get inside your car, the heat can't escape because it is so tight that heat is trapped. That is what happens in contrast to our atmosphere. This is the result in Global warming and extreme weather conditions which is unpredictable sometimes. And the result of this is Floods.

What we should do? Today we are facing a grave threat by nature in return to our industrial revolution. The best we can do is to monitor our electricity to lessen the effect of global warming. Appropriate power usage means a lot in our era. Try our Envi Home Energy Monitor to lessen your electricity; be part of the future, monitor your electricity now. Visit our Website to learn more about saving electricity.

Insurance Phoenix - The Amazing Umbrella Policy

Umbrella insurance protection is usually one of the last insurance products a consumer buys. I understand the reasoning. A family budget is stretched thin and we often feel "insurance poor".

But what happens if you or a family member (such as a teen driver) is involved in an auto crash that injures others? Do you have high bodiliy injury limits under your auto insurance policy? What if the other person is disabled or killed? If you calculate a person's worth on that basis, I bet 99% of insurance buying consumers have too little protection under their auto policy.

An umbrella policy goes hand in hand with an auto insurance policy and home insurance policy and costs about $350 or less annually for $1,000,000 protection. This premium varies bases on other factors (if you own rental properties, have recreational vehicles, teen driver's).

If you have too little bodily injury protection under your auto policy, then what? Do you sell your home? Have 25% of your wages garnished for the next 15 years? Cash out a 401k, IRA or something else?

When you buy an umbrella insurance policy keep in mind that you are protecting your assets and income.

Be especially careful when you have teen drivers on your auto policy. Teenagers have more accidents than all the other age groups combined. Consider increasing your deductibles on your auto insurance policy and home insurance policy.

Consider if you have an auto insurance policy or home insurance policy with a $500 deductible and you have a $750 claim. Are you going to file a claim for the $250 difference or pay the entire $750 out of pocket to keep the claim off your record? Many people will pay it out of pocket. If this is you, consider increasing your deductibles.

Magic The Gathering Card Buying Tips

In this installment of Magic the Gathering Tips, I want to get away from the playing aspect a little bit and concentrate on something that I feel is just as important if not more so... how you go about buying your cards. You may or may not care about the little tidbits you're going to read here, but at least be aware of this stuff.

Let's begin with the two basic ways that most people buy their cards, at least when they're first starting out. As time comes on, they may continue alone one of these paths, both of them, include other options or toss these completely out the window because they've found that there's a better way.

The most common card buying method for new players is buying individual packs. Why? Well, mostly because it's the cheapest method, or at least appears to be on the surface. But I'll get into more of that later on.

A pack of Magic the Gathering cards is roughly about $4 depending on where you live. Inside, depending on the set, you get 15 cards. Early expansions had a lot fewer, which is why I said depending on the set. Any new set you buy is unlikely to have fewer than 15 cards but who knows? The only thing constant in life is change.

By purchasing individual packs, a new player can slowly build his collection over time without spending a lot of money at one time. For many people, this is their only option, especially if their source of income is mom and dad's allowance each week. When I was a kid, if Magic was around, I would have gotten enough money to maybe buy 3 packs a week.

Another option, which is more expensive up front but actually cheaper in the long run, is to buy a whole box of cards. There are usually about 36 packs in a box depending, again, on the expansion. At $4 per pack, this would normally sell for $144 for a box. But, you can get a whole box, again, depending on where you live, for about $110. So as you can see, this is a $34 savings on every 36 packs. That's not too bad.

Those are your most common methods of buying cards, but they're not the only ones and, in my opinion, not the best ones IF you're looking to get the most value out of your purchase.

Ah, but what is value? This is something that each person has to define for themselves, which is why all I can say is that the "better" way is only my opinion. Buying packs or boxes may be better for what you're trying to get out of it. For example, some people just LOVE opening up a box of cards. And while it may not be the most economical solution, depending on what you're looking for, it is a LOT of fun.

But over the years I have found, since I always end up looking for certain cards, that buying packs and boxes is a no win scenario. To understand why, you have to understand the rarity system in Magic.

Every pack in the most recent sets contains 15 cards that are broken down as follows:

1 rare or mythic rare 3 uncommons 11 commons

Let's say I am looking for one rare card. Since we know that there are 36 rares in a box (1 per pack) my chances of getting that one card, if I buy a whole box, is 1 in 36, roughly. And that also depends on how many different rares there are in a set.

For example, in Magic 2013, there are 58 rares and 15 mythic rares. That makes 73 possible cards to fill up those 36 slots in a box of cards. So you're really looking at odds of 1 in 73 of pulling one specific rare.

Let's say that rare costs $20 on the open market and it takes you an average of 2 boxes of cards to pull that one card. That's over $200 spent, on average, just to get that ONE card.

Now, if you're looking for other cards in the set, you're going to pull some of those two. But most likely, unless they're commons and uncommons, you're only going to pull ONE of each of them.

What do you do if you're looking to play competitively and you need 4 of a certain card in order to do it?

Do you see how this starts getting expensive?

Sure, you can open one pack of cards, spend $4, and pull a $50 rare out of the pack. But the odds of that happening are stacked against you.

And that's just the point. Opening up packs and boxes is like playing the lottery. Sure, you might win, but more likely than not, you're going to end up spending most of your money on what's going to amount to 4 play sets of common cards that you can buy for 10 cents.

So what's the alternative?

What I do is buy the rares that I want on the open market, either through eBay or a dealer. Sure, I may pay $20 or more for one card, but if it's the card I need to put together a competitive deck, it's cheaper than hoping I get it through opening packs.

But what about the commons and uncommon cards?

You can purchase a complete play set of common and uncommon cards for about $40. I've done the math. In order to get a play set of both reliably, you have to open up at least 2 boxes of cards. That's $220. Sure, you get 72 rares but you have no way of knowing that the rares you get are going to be the ones you want.

Sometimes, if I really love a set, I'll buy one box just to see what I get like I recently did with Return To Ravnica. But ultimately, I ended up having to shell out about $300 for the rares that I wanted and I still don't have all the commons and uncommons.

And the larger the set, the harder it is to complete a collection.

The reasons why this is financially unfeasible are beyond the scope of this article. You need to do a lot of probability and understand exactly how the rares and mythic rares are distributed to "get" it.

Suffice it to say, most of my Magic the Gathering card buying is done on Ebay or through a dealer buying individual cards.

If you enjoy opening packs and boxes, go for it. But if you're looking for a specific card, you're better off buying it directly.

To YOUR Magic the Gathering Enjoyment,

Steven "Land Boy" Wagenheim

Estate Planning: Fun For The Entire Family

If you're reading this article, it's probably not for entertainment value. And if you're reading for entertainment, then you're either a masochist or you're actually interested in what I have to say. It could be both, I guess. Whatever the reason, estate planning is an important topic, regardless of your station in life.

So what does it mean to have an estate plan? The better question is: why does it matter? This is not easy stuff. It deals with death and dying and the future. Of course, nobody wants to think about this stuff. But unfortunately, it's the pink elephant in the room. And it's not all that bad, actually.

Generally, an estate plan is a set of instructions that spell out how your property should be managed and distributed during your life and after death. The attorney (yours truly) is basically a conduit that channels your wishes onto paper in a way that make sense and have the most effect. Okay, maybe it's not that simple, but this should give you some idea. The estate plan should be a reflection of your life and vision. And don't confuse the word "estate" with a gated 8000 square foot villa with your initials on the entry gate. Your estate is all that you own in real estate and other assets.

At one point or another, most of us who own property think about what will happen to our property when we die. We think about stuff like, "Who will get my 1984 Honda Civic?" That's a legitimate concern. Nobody is going to want it, but the concern is no less legitimate. But what if you become disabled? And what happens when you get old and feeble minded? There may come a time where we will live out our lives without sufficient mental and/or physical capacity to manage our own affairs. Look, we all know or knew someone who started to "lose it." We can all remember thinking this or saying something like, "hey, is it me, or is Uncle Shlomo beginning to lose it?"

Enter the estate plan. The estate plan deals with the management of your property and financial affairs. There are two main types of estate plans: one is built around a Will and the other around a Revocable Living Trust. Each has it pros and cons. But as long as you have your wits about you, you can always make changes to the plan along the way. That being said, it's important to have an estate plan in place now because you don't know when you might become the "Uncle Shlomo."

THE WILL

A Will is the most common document used to specify how an estate should be handled after death. The person or entity designated to receive your property under the Will is called a Beneficiary. The person whose property is to be disposed by the Will is the Testator or Testatrix.

Like a Trust, the Will can set out different instructions, such as who gets certain property or who will be the guardian of Testator's minor child in the event that no parent is alive. It can be used to disinherit someone. It can set conditions on inheritance, such as the requirement that the Beneficiary first reach the age or 25 or graduate from college.

And then there's the dreaded P word - PROBATE. There's no getting around it. When a person dies and leaves property in a Will, probate is the legal proceeding that is used to wind up his or her legal and financial affairs. It's best described as a court-supervised process by where assets are gathered, valued, and distributed according to the Testator's last wishes as stated in the Will.

Probate proceedings are held in Superior Court for the county in which the Testator lived. The Executor (the person who administers the estate) is responsible for protecting a deceased person's property until all debts and taxes have been paid, and seeing that what's left is transferred to those who are entitled to it. Their job includes making an inventory of the estate's assets, locating creditors, paying bills, filing tax returns, and managing the estate assets. Finally, when this is all done, a petition is filed with the court requesting a distribution to the Beneficiaries. The whole process can take many months and sometimes years to complete.

As you can imagine, probate can also be very expensive. The Probate Code sets the maximum amount that attorneys and personal representatives (i.e. executors, administrators, etc.) can charge. As of 2011, the fees are four percent of the first $100,000 of the estate, three percent of the next $100,000, two percent of the next $800,000, one percent of the next $9,000,000, and one-half percent of the next $15,000,000. On top of that, a probate referee is appointed to appraise all of the non-cash items. This person usually takes one percent of the total assets appraised. All of this can add up very quickly. Although it's safe to say that most of us will probably not die with an estate valued at $15 million, the probate process can easily reduce the size of the estate by tens of thousands of dollars.

And of course there's the privacy issue, or lack thereof. When a Will is admitted to probate it becomes a matter of public record, including the details of what your assets are and who's in line to get them. Some may have legitimate reasons for following the probate matter, like a beneficiary's creditor who's looking to collect. Other unscrupulous types may want to know who to bamboozle.

THE REVOCABLE LIVING TRUST

A Living Trust is established with a document, usually a Declaration of Trust or a Trust Agreement. It's basically a relationship whereby property (real or personal, tangible or intangible) is held by one party for the benefit of another. A Living Trust conventionally arises when property is transferred to a separate Trustee to hold for the Beneficiary. However, that's not always necessary.

The person creating the Living Trust is called the Settlor or Trustor (these are synonymous). The Settlor appoints a Trustee to manage the Trust assets. The Trusee holds legal title to property for the benefit of another, also known as the Beneficiary. Although the Beneficiary does not own legal title to the property, he or she is said to own beneficial title. So you can imagine that the Trustee cannot do anything with the property that does not benefit the Beneficiary, like sell some off and pocket the money. It may be easier to think about a Trust like a Corporation. The Trustee is the CEO and the Beneficiaries are the shareholders. And it's not uncommon for Trustee to also be a Beneficiary, although it's advisable that a Co-Trustee be named as well.

A Living Trust should usually be accompanied by a Last Will and Testament, also known as a "pour-over will." The Will should say that property that is outside of the Trust is to be distributed to the Trustee of the Trust when the Testator dies. As long as the property outside of the Trust is valued at less than $100,000, probate can be avoided. The benefit is that property not previously placed in the Trust will get "poured" into it. Even if the property exceeds $100,000 and has to go through probate, it will eventually be distributed according to the instructions of the deceased instead of being distributed according to California law. It may also be a good idea to name the same person to be both the Executor of the Will and the Trustee of the Trust, since he or she will dealing with the same property.

WHAT DOES THIS ALL MEAN?

So what's the point of all of this mumbo jumbo? Well, just that it's easy to overlook the necessity of a proper estate plan. A Living Trust helps to protect you, your assets, and those people and/or entities who you want to leave your assets to when you're gone.

A good reason to create a Living Trust is to keep your estate plan private. Unlike a Will and probate, the Living Trust is a private contract between you (the Settlor) and the Trustee. It does not need to be filed with the county. The only way it can become public is if a dispute arises and someone files a lawsuit, which is possible.

Another major benefit of a Living Trust is that it has the ability to protect you in the event that you become disabled. The Trust can specify how your incapacity should be determined, how you should be taken care of if you're deemed disabled, and who will be able to manage your property if you can't. A Living Trust is written so that your Trustee can automatically jump into the driver's seat if you become ill or incapacitated. This will keep you and your property outside of court-supervised guardianship or conservatorship. The more you can keep the court out of your life and affairs, the better.

A Living Trust also allows you to dispense with your property in the manner that you choose. For example, many families have a child who has or had some problems in life. This may range from physical challenges to addiction to partying in Las Vegas with prostitutes every weekend. A Living Trust can provide for financial support to others without giving them direct control of the trust property.

Finally, a Living Trust makes it possible to avoid having to go through probate. How? It's simple - the property is titled in the name of the Trust when you die. Your Trust does not check out just because you do. Only those assets that are titled in your name at the time of death go through probate.

How Does Quibids Work?

Quibids reviews what to do to get started, on the website. You can also find out how it works. But if you do not want to wait, this is how it works. You pretty much sign up as a member and purchase some bids. Each bid is going to cost you about 60 cents a pop. That means every time you place a bid, you lose more than half a dollar. If you do not pay attention, you will be capable of blowing through tens of dollars in no time flat. That is something to consider when getting started with this website.

When you join, you will get to choose what kind of products you would like to bid on. There are a whole variety of products to choose from. You can place bids on things ranging from an iPod all the way to a laptop computer. Each time you place a bid, you raise it by 1 cent. Remember, it costs you $.60 to place that bid. There is a timer for each penny auction. When it hits zero, whoever bid last wins that auction and has to pay that closing price. Generally though, the final price is significantly low, which is why so many people like Quibids.

Can you make money with Quibids? Quibids reviews the way that you sign up and how the process works, but there really is not some type of training on how to make money with the website. But if you think about it, you can. First of all, you do have to get lucky enough to win an item from an auction at a low price. This is not going to be as easy as it seems, but the low price part is. Say you win an iPad for $100. You can retail it probably for $500 and make a profit.

You may have searched for a Quibids review because you are looking to be a part of the program. Penny auctions have actually been around for a while now, but it was not until just recently did they start to take off in popularity. You can buy bids and use them on auctions that you feel desirable. This is the catch. You could win repeatedly or you could in fact not win anything at all, especially the first time you play the auction. But the more you play the game, the higher chance you have of winning.

Surviving Long Distance Relationships - Keeping the Love of Your Man

Perhaps, everybody is telling you that long distance relationship won't work. You know, this stuff is hard. It can potentially make you out of your mind. Long distance relationship is presently the most difficult relationship that anybody is struggling to survive. I know how painful it is to maintain this type of relationship.

Perhaps, you're thinking from home whether your man out there will cheat on you. Perhaps, you're thinking whether you can still maintain your love to your man. From what I know, the one thing that will ruin your long distance relationship from the beginning is YOUR OWN negative thoughts. Of course, you can't just change your thought in an instant and become a positive lover for your man, right?

That's it. But, it's important for you to make sure that you're not wandering in negative thoughts that will only ruin your trust toward your partner. Let me tell you this way. When you have your man out there, separated from you in a distance, the one most important thing you need to have is TRUST. With this TRUST, you will be able to maintain the strong bond with your partner. TRUST is based on LOVE. If you love your man truly, you will TRUST him. But, if not, you'll simply have wandering thoughts about him doing some affairs with other women.

So, in order to change your thought into the positive, consider asking to yourself whether you really LOVE your man. This is the way you can build trust with your man out there. Once a good trust is build, there is another thing that you need to pay attention.

It's COMMUNICATION. Yes, your communication with him over a distance will help you to keep in touch with him during this long distance relationship. And what's the best form of communication? Well, it depends on what he's doing out there. If he's there for work, then probably he will be busy most of the time. So, it is better to send him some emails each week.

But, it will go much better for you if you spare some time to communicate over the phone with him. Of course, you can schedule this time so that he can do it in his free time. A much better communication approach is VIDEO CALLING. You know, there are many video chat services that you can use. Just ask him to online on Skype in specific time when you'll call him. It'll be like meeting with him face to face.

I think that's how you can survive in long distance relationship. I know it sounds difficult, but it will pay off when he's finally coming back home.


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