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Importance of Family in Our Life

Family is very important part of our everyday life. It helps us in improving our personality. It also helps us in shaping our life. It teaches us the value of love, affection, care, truthfulness and self-confidence and provides us tools and suggestions which are necessary to get success in life.

Family is a place where you can be yourself. It is a place where you are accepted for what you are. This is where you are completely tension free and everyone is there to help you. Family encourages you when you are surrounded by problems. It helps you survive through tough times and bring joy and happiness into life.

Decency is very important in the communication of daily life. It helps us make strong relationship with others and make us come across as a very gentle, intelligent and likable person. Everyone loves to be in a company of such person. Family helps bring decency into our life which is necessary to lead a happy life.

One of the most important aims of our life is to build a successful and highly rewarding career. Our families help us in creating a strong future. It gives us valuable suggestion about different career prospective. It not only guides us in choosing the best but also financially helps us to cover the expenses of education. Thus it helps us in making a good future.

The importance of family is probably realized when one went to holiday or celebrate an occasion without family members. It was very hard to celebrate an occasion or went to holiday without being surrounded by family members. At that time probably we realize that how important they are to us. At that time, we came to know about the importance of our families.

Today, most people don’t realize the importance of family. They prefer to spend most of their time with their friends. But when they are surrounded by problems, it was their family that helped them get rid of problems. At the time, when even our best friends refuse to help us, it was our family that came to help us. So it is very important for each and every individual to give importance to their families above anything else and enjoy spending time with family members.

Tips on Motorcycle Modification

If you are going to travel a far off place on your bike or are planning a tour with your friends, you can do that with any of bike available to you. The point that can make this tour an enjoyable experience is that you get a bike of your own choice. It’s same like you quench your thirst by plain water or you enjoy an energy drink to do that. If you’re a bike lover, then the thrill of the travel will be more increased. So, how can one get the desired results in this regard? The answer is simple. All you have to do is the modification of your bike. You will modify your bike as much as you can afford. When it comes about motorbike modification, exhaust system peeps into our minds and takes the first position. Most of the motorbike riders start modifying their vehicles starting from motorcycle exhausts. They change the look, enhance their performance and improve the productivity of the vehicle if they are from a good manufacturer.

It’s always the ‘Money’ that ‘makes the mare go’. One can’t afford all the categories of bikes at the same time. However, modification becomes a viable option to meet these challenges. Through aftermarket motorbike accessories you can get the desired results through the pre-existing bikes. It saves you from buying a specific bike for a specific endeavor especially when you’re not in a position to buy a new one. Aftermarket exhausts can play a major role in this respect. Compares to stock exhausts, they have a comparative edge as they provide you with lots of flexible options ranging from sound to the feel of power you want to have in your vehicle. There are manufacturer that can manufacture exhausts as per your choices like if you want to have a long or short exhaust for your vehicle you can have it.

Aftermarket accessories have helped motorbike lovers from style to fulfillment of choices in a cost effective way. However, before you buy any aftermarket accessory for your bike, it’s important to know whether it matches your bike’s engine and other specifications or not.

Difficulties With Insurance Carriers Lead to High Cost of Healthcare

With the cost of delivering quality healthcare on the rise, insurance companies continue to add to the problems facing physicians nationwide. Many people believe doctors spend the majority of their time on golf courses while earning millions of dollars. That may have been true in the past, but today there are formidable obstacles preventing those that provide care from collecting their fees. These days many physicians are forced to write-off a large portion of revenue due to the unreasonable practices of insurance carriers.

Insurance companies employ teams of representatives responsible charged with the receipt, processing, and servicing of insurance claims. When healthcare providers submit insurance claims, they are forced to follow-up vigorously in order to ensure that they receive reimbursement. The process of submitting and following up on claims is marred with holes and inconsistencies making it difficult to communicate with insurance carrier representatives. After navigating through a maze of automated responses, healthcare providers and their billing representatives are lucky to actually reach a live person. Once reaching a representative, all the information previously submitted must then be re-verified as if none of the previous entries were recognized.

As if the process had not been time consuming and difficult enough, healthcare professionals usually realize that the person on the other side of the line only has basic information available to them. What’s worse is that they usually expect providers to simply accept the lack of information available and move on. In most cases, providers and their staff must demand the help of a supervisor just to receive any sort of reasonable insight in to the matter at hand. What’s funny is the consistency with which these “Insurance Company Supervisors” seem to have more detailed information available to them. In the end, it often takes more than one insurance company representative and 45 minutes of time to receive relevant information pertaining to just one insurance claim.

With this being the case, one can see how the term “wasteful healthcare spending” is so common today. It seems as though the insurance companies are wasting time and money every day. Insurance companies profit billions of dollars each year while making it extremely difficult for healthcare providers to receive reimbursement for the services they perform. Even after healthcare providers verify coverage and obtain prior authorization, insurance companies still delay payments and deny claims.

A recent report from PriceWaterhouseCoopers states that “inefficient claims processing” is the second largest are of wasteful healthcare spending, costing as much as $210 billion annually. The New England Journal of Medicine reports that billing and overhead expenses consume as much as 43% of a physicians annual revenue. With statistics that these, it’s no wonder the cost of healthcare is spiraling out of control. Insurance companies are profiting while individuals can hardly afford coverage, and helathcare providers find it hard to turn a profit. Surely something is wrong.

Although healthcare professionals are focused on reducing costs and expanding coverage, they cannot do it alone. If we are to be successful controlling the rising costs associated with healthcare, insurance companies and government regulators must commit to change. Only through a concentrated, coordinated effort will we achieve affordable healthcare.

Airline Accidents – Airline Maintenance

I am neither an Airline Pilot nor an Aviation Mechanic. I have observed the news with regards to airliner accidents though. The articles that I have read talk about the possibility of poor or shoddy maintenance, mediocre at best. I believe that the majority of Aviation Maintenance Facilities are reputable and that they employ skilled Mechanics. Having said this, some of you out there may think that I am naïve and not in touch with reality. That’s fine. I look forward to any comments, insights, or criticisms. Airlines have outsourced there maintenance operations to cut costs.

To be in the airline business today is financially a very risky proposition. Some people believe that when airlines outsource the maintenance to cut costs that they also cut corners. But think for a moment about all of the millions of people that fly on airlines each year, and think of the millions of air miles that are flown each year, without incident. But the media will put an airline crash on the front page because if it bleeds it leads. I am not faulting the media, they are just doing there job.

I know that it has been said many, many times that: “Air travel is safer than _____” (fill in the blank). But to the loved ones that have perished in those accidents that is no consolation. Could some of the accidents have been prevented? I am sure of it. Were the accidents due to pilot error? Were the accidents due to a bad design or an engineering flaw? Were the accidents due to bad maintenance? The National Transportation Safety Board (NTSB) investigates the crashes to find out. People have asked if the FAA is doing its job. That could be debated on and on. Are all the Aviation Maintenance Facilities around the world at the same level? Do all the Aviation Maintenance Mechanics around the world have the same level of expertise? I am asking a lot of questions here. I look forward to reading the replies that contain possible answers and to the dialogue that hopefully gets sparked.

Affordable Low Cost Health Insurance

The easiest way to obtain affordable, low cost health insurance is to purchase a low cost health insurance plan through your employer. These health insurance plans are usually Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs), and – even better news- purchasing a low cost health insurance plan through your employer usually means that your monthly premiums are deducted from your paycheck, much like taxes are. If you’re lucky, you won’t even miss those premiums!

Yet, not everyone is fortunate enough to work for an employer who offers affordable, low cost health insurance. Actually, some people aren’t even able to work at all. Maybe they’ve lost their jobs or been laid off. Maybe they’ve become disabled, or just too old to work. Whatever the reason, there’s good news. Affordable, low cost health insurance is within reach – if, that is, you’re willing to do a bit of stretching.

Use your spouse’s health insurance plan. If you are married and your spouse as an affordable, low cost health insurance plan, he or she may be able to add you to it.

Look into state-sponsored health insurance programs. These state-sponsored programs are ideal for the disabled and elderly; actually, most of them are designed just for those people.

Check out a few short-term medical insurance plans. Short term medical insurance plans are designed for individuals who have suddenly found themselves laid off or out of work, but plan to join the workforce again once they can. Short term medical insurance plans are full of benefits, and are generally available anywhere from six to 12 months.

Start looking at various individual health insurance plans. These are usually the most expensive of all health insurance plans; however, what you’ll pay in premiums will pale in comparison to what you’ll pay in hospital bills should you become ill or injured. This makes having an individual health insurance plan seem all the more affordable and low cost.

Mobile Home Insurance Coverage

Mobile home insurance is required which has been fairly inexpensive -about $250.00 per year is what I was paying or $30.00 per month. It is similar to home owner’s insurance, but it’s written specifically to meet the needs of owners of mobile homes.

Coverage for these kinds of claims and lawsuits is called liability coverage. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. Coverage would typically include financial protection for the house, personal items, injuries incurred on other people for whom you are liable and additional living expenses. It also insures you while you are one the move. Coverages and benefits can vary dramatically from policy to policy and from company to company.

Home owner’s policies are designed to provide financial protection in the event of damage to your home, such as fire, lightning or windstorm. Your policy will also protect your personal property, such as furniture that is damaged as a result of a fire, or the theft of electronic equipment.

Prices can be different from one company to another. The Insurance Information Institute recommends getting at least three price quotes on home owner insurance. Price too low and prospects doubt you’re any good and you lose credibility. But if you’re new to the market, how do you know where to position yourself for maximum results and success?

Shopping for mobile home insurance is slightly different than shopping for insurance on a stationary home. The best home insurance is the one that provides you with the most benefits policy-wise. Shopping for mobile home insurance is slightly different than shopping for insurance on a stationary home. Although the coverages are similar, there are a few differences.

Mobile home insurance is similar to home owner’s insurance, but it’s written specifically to meet the needs of owners of mobile homes. Your policy covers your mobile home and its contents and offers personal liability protection. It is also available from the company and this is available with a range of benefits. For example, free continental travel cover is provided as part of the policy which means that a family can have peace of mind when traveling on the continent.

Mobile home insurance is often provided on an actual cash value basis, so significant depreciation can be a major concern for owners of mobile homes. The policy’s coverage extends to the mobile home’s equipment and accessories that were originally built into the structure.

Mobile home insurance is essential yet few mobile home owners actually take it out. If you think about it, you are leaving a home that you actually spend very little time in completely unguarded and vulnerable.

Faucet Repair

Faucets have internal parts that eventually wear out. The first to go are the washers and o-rings, then the seats, and then possibly the stem. As these parts wear you will start to get leaking from your faucet. The leaks could come from the spout and drip into the sink, or you could get leaking from the handle(s) and have water running on to your counter or under the counter. Just before we get into repairing your faucet let’s consider a couple of things.

For you water conservationalists its out there did you know that 1 drop of water per second equals about 2,500 gallons of water per year? And most people that I have repaired faucets for wait until there faucet is leaking about 6-10 drips per second. That is about 12,500 to 25,000 gallons of water per year. That’s $80 to $140 per year. Plus most of your leaks will start on the hot side way before the cold, since the hot water will deteriorate the rubber in the valves much quicker. So with the way energy costs are today you can add 30% to 60% to those costs.

If your bathroom faucet is 10 years old or older you may wish to change the faucet out with a new one. I definitely recommend doing this. The reason I believe you should do this is that the labor for repairing the faucet and the labor for replacing the faucet are fairly close to the same. And the parts for repairing the faucet will be around $35.00. A new faucet will cost you around $75.00. So for only an extra $40.00 you will have a nice new faucet to brighten up your bathroom.

With your kitchen faucet the price difference can be much more significant. In either case you will need to make a decision that fits your situation the best.

Now with the bath tub or shower faucets, since the valve is behind the wall, then I recommend repairing the leak. The best time to replace a bath tub or shower faucet is during renovations. It is possible for you to replace sooner if you have enough access to the faucet from the back. So you could replace with a similar faucet or there is a flange made by delta that will cover holes left from a two or three handle faucet when you install a single lever faucet.

Faucet styles

This is an absolutely huge area. There is literally thousands of different faucets and models of faucets over the last 30 years.

A short list of the more common styles are:

Two handle bathroom, kitchen, bathtub or shower faucets with seats and washers

Two handle washerless bathroom, kitchen, bath tub or shower faucets

Three handle bath/shower faucets with seats and washers

(these will have a hot and cold tap as well as a control for the bath/shower)

Single lever bath/shower faucets with cartridge

Single lever kitchen faucets with pull-out head and cartridge

Single lever kitchen and bathroom faucets with rubber seats and ball control

The reason I say short list is because each of the above can have many different variations. There are dozens of different seats, washers, and cartridges. Because there is so many different styles and variations the time to make the repair can become longer because quite often you will need to go to a specialty shop to match the parts with the parts you removed. So you can understand that if you are paying a plumber $75.00 per hour (that is the going rate here) the replacement of the faucet may be cheaper than the repair of the faucet.

Now on to the faucet repair job

Each type of faucet will have a similar repair procedure. I suggest putting the parts in order on the counter beside you as you pull them out so that you know exactly how to put them back again.

1. Turn off the water.

2. Pry off the handle screw cover.

3. Take the screw out of the handle

4. Remove handle (you may need handle pullers to do this)

5. Remove escusion if there is one (usually on two handle bath tubs and showers)

6. Loosen off the holding nut (in single lever bathtub showers there is a holding ring)

7. Remove the stem (cartridge in single lever bath/showers)

8. Check the brass seats for cuts (use your baby fingernail or flashlight)

(remove rubber seats if you have a washerless faucets)

9. Replace brass seats if necessary (the seats might be chrome as well)

10. Replace the washer (replace the cartridge in single levers)

11. If need be replace the stem.

12. Put back together

13. Check for leaks.

Congratulations! You just saved yourself $100-$200 repairing your own faucet

Insurance Law Attorneys Assure Equitable Settlements

If it does not already appear there, add to your collection of words to live by: “Never, ever, not under any circumstances, attempt to negotiate with an insurance company on your own. Working with an insurance company, always retain a lawyer.”

According to insurance law attorneys, although the insurance business typically falls into the “financial services” category, an insurance policy actually establishes a contract between you and the insurance company. Your insurance policy is not a financial instrument so much as it is a legal document. Attorneys and civil courts manage disputes over contracts, assessing justice and equity according to how much money changes hands.

Everyday experience easily confirms the fundamentally legal nature of the insurance business: read your insurance policy, noting the language it employs, and especially noting its specification of terms and conditions. When you buy or invest in an insurance policy, you establish a simple agreement with your insurer. You will leave your money with the insurer in exchange for the insurer’s agreement to pay the costs of accidents, illnesses, and “torts”-the assorted nasty things people can do to you. As long as you continue to deliver your money in good faith, the insurer must continue to protect you according to the terms of the agreement.

Two kinds of disputes may arise between you and an insurance company: In one instance, your own insurance company denies a claim on your policy, in effect saying that your particular accident, illness, or tort was not really part of your agreement. In the other instance, another person’s insurance company wants to settle your claim in order to prevent your filing suit against the person and the company.

In the first instance, you are most likely to become embroiled in a dispute with your own health insurance provider. You request or already have received medical treatment for a serious illness or accident, and your insurance company refuses to pay for your procedure, leaving you obligated to pay a large bill. You very likely will hear “previously existing condition” or “unauthorized treatment.” A few major health insurance providers have become notorious for denying clients’ claims with these two apparently magical phrases. In this kind of dispute, the language of your insurance policy frequently becomes the core of the conflict. You need an attorney, who in turn may need to depose some expert witnesses and file suit against the insurance company. With the assistance of an experienced insurance law attorney, you have a very good chance of prevailing in the dispute.

In the second instance, the other party and his or her insurance company have calculated how much the other person’s negligence or malfeasance has cost you, and they are prepared to pay you according to their calculations. According to veteran insurance law attorneys, settlement offers usually pay strictly for medical costs and lost income; they seldom compensate you for “loss of the enjoyment of life,” nor do they provide for lingering consequences of the other person’s irresponsibility. Because your insurance law attorney probably will take your case “on a contingency,” meaning that you pay legal fees only if you win your case, you have nothing to lose and everything to gain by retaining professional counsel and letting your advocate do the calculating and talking.

Motherhood – An Important Role in Society

Today is an important day for many of the conceptual systems in which you and I participate. What’s a conceptual system?

A conceptual system is a set of things that works together to perform a common goal but does not exist in a tangible manner. For instance, an automobile is a system in which you can see, touch, and feel. Another tangible system is the human body that is the most complex and amazing system in the world.

In contrast to the systems that you can point out and clearly describe, conceptual systems are not tangible yet exist all around us. Think about the world economy or the financial system of the United States as a set of things working together to provide a means of exchange between humans and countries. How about our insurance system? The insurance system consists of a set of agents, agencies, policies, claims, etc that work together to provide insurance coverage to humans. This is without a doubt a system. However, it is impossible for you to show me an insurance system in the same way that you can show me your car.

One of the most important conceptual systems is the family system. The family system is a set of things (mothers, fathers, sons, daughters, physical stuff, actions, decisions, accomplishments, challenges) that work together to produce our unique family experience. As with any system, every part of a system plays a vital role in the overall optimization (or lack thereof) and performance of the system.

Today we celebrate one of the most important roles in the family system and in society at large: Mothers. Mothers are not only part of the gateway to the breeding of new life but play an instrumental role in the development of our young people. Mothers provide the type of caring, love and intangibles that enable the family system to thrive.

Even more impressive is the fact that a Mother’s job is not easy; I would argue that it is the most difficult job on this earth. It’s more difficult than being a CEO, an entrepreneur, or business owner. Mothers are ON twenty-four hours per day…seven days per week.

For all of this and more, today is a day to celebrate your Mother and all of the Moms of our society. In large part to them, the family system works. Happy Mother’s Day to every Mom around the globe! May you be forever Blessed.

Should You Be Paying Less for Your Surety Bonds?

How do you get a better rate on your surety bonds? It might be as simple as asking.

If you’ve been paying, for example, a 2% flat rate for several years and in that time your company has grown in size and profitability, you may very well be eligible for a lower rate.

Let’s do some simple math: Take a hypothetical job with a contract value of $150,000 and a completion time of less than one year. At a 2% flat rate you would expect to pay $3,000. At a rate of 1.8% you would pay only $2,700, for a savings of $300. Simple, right?

Assuming your surety company utilizes flat rates, and you’re eligible for that lower rate, this scenario sounds like a no-brainer. It’s certainly worth discussing with your surety bond broker.

But here’s where the surety rate game gets a little murkier…

Many surety companies don’t offer flat rate pricing, and only use sliding rate scales, where, for example, you may pay $25 per thousand dollars of contract value for the first $100,000, then $15 per thousand for the next $400,000 of contract value.

At first blush that 2nd “tier” at $15 sounds like a nice decrease. But let’s do the math again, using the same hypothetical $150,000 job. Using a $25 “slide” you would pay $2,500 in premium for the first tier, plus $750 for the second tier at $15/thou. Total: $3,250.

You’ll actually pay more for bonds on that job with the slide than you would with a flat 2% rate. In fact, it would only be on jobs above $200,000 in contract value where you would enjoy rate savings on the $25 slide vs. the 2% flat rate.

What to do? Calculate your average job size for the last 3 years. Ask your surety broker to run some sample surety bond cost calculations based on that average job size. Your broker can then apply some standard rating structures to find the one that works best for your business based on your typical job size, and then negotiate a better rate with your surety company if you’re eligible.

If you get the better rate you’ll be putting more money in your pocket at the end of the year, all else being equal.

Be aware of unscrupulous brokers who will dangle a very low rate in front of a contractor to win the client, only to raise it for the next job. Be sure to get the proposed rate breakdown, in writing, from the surety itself — not the broker.

Also, be mindful of less-than-stellar surety companies. While it’s definitely no guarantee of longevity in this business, a surety company with an “A-” rating or better from AM Best Company is a good place to start the vetting process. In addition, many project owners mandate an “A” or better rating to bid on work.

An experienced surety broker should be able to guide you through this process, getting you the best rates from quality surety companies.