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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.

Can LCD Screens Transform Advertising Into a New Height?

Liquid Crystal Display screens are used by many food establishments like restaurants to display their menus and to provide entertainment. The LCD screens are also used by clothing establishments to play video footage of fashion shows and showcase their products. Automobile dealers also use LCDs to play videos to provide actual road feel of the car and for keeping customers occupied while waiting for agents or anyone.

In restaurants like KFC, what would catch your attention is not the smell of their famous fried chicken, but the bright colors of their 42 inch LCD display which serves as their menu board. Customers see dynamic previews of what the store offers, and sales go up potentially. Restaurants also use LCD screen displays to style a restaurant’s atmosphere. It is also common nowadays to see LCD screens used to show news and sports.

In showrooms of other different establishments like clothing stores, convenient stores, automobile shops, or department stores, LCDs are used in almost all locations. Typically, a store has four units of LCD screens per location. Studies show that businesses install screens in showrooms to increase sales, to catch customers’ attention, and to inform them.

Why do businesses choose to use LCDs rather than plasma displays? LCDs are less noisy and distracting since they do not have a fan built-in, while plasmas have. The rugged LCD design is closed-box so there is lesser chance of oil fumes, or dust to get in. That means longer life for the unit. Picture quality and resolution of LCD screen displays provide better views in bright lights, which businesses normally work on. This makes the LCDs desirable for business applications. The plasma screens have made much viewing angles. Plasmas have burn in tendencies especially for static images, there are no issues like these with the LCD screens. LCDs could live up to 50,000 hours or more than 5 years of viewing, while plasma screens have life of just 30,000 viewing hours. Phosphors of plasma screens would glow half-bright by this time. A liquid crystal display screen would last as long as the backlight lasts and could easily be replaced once it malfunctions.

Life Insurance Policies Are Obtainable From All Insurance Companies

Life insurance policies are obtainable from all insurance companies. You can visit their offices, phone them or get the information you require online. Purchasing your policy online is of course the easiest way of doing it.

You can do everything from the comfort of your own home, from the quote to the finalising of the policy. You will be issued with a file online. A number of functions can be performed online with this file like changing nominees and so on. More and more people are making use of this user friendly system of purchasing their insurance instead of walking the high streets for information. . The only problem with buying insurance online is that you may only purchase insurance up to a certain value. Anything over this value you will have to purchase from a broker

When you plan for the future of your children an insurance policy is essential to ensure that they will be financially provided for in case something unforeseen happened to you and you were not able to do this yourself. Once this has been done it will give you peace of mind to know that you have done your duty towards your family.

Getting an insurance policy is something that has to be done if you are in a position where people depend on you financially. Whether it is your family or a business partner this financial covering will be important to those left behind in the event of something unforeseen happening to you.

Life insurance is a subject one should think about if you have dependants or if you are a partner in a business. If something unforeseen had to happen to the bread winner of a family the policy would provide the necessary financial backing that the family would need to get back on their feet again. It will take a while to get their lives back on track again and meanwhile they will be financially provided for.

How to Buy the Best Life Insurance

Maybe you don’t need life insurance – right?

Well I guess you don’t if you’re single, have a good chunk of money and plan to live a long life and a happy one.

And there’s the rub! If you are like 99% of the population, you can’t fit all of those prerequisites and even if you did your hope of adhering to such a plot is zero. So I’d say you do need life insurance.I’m going to tell you why and I’m going to give you some tips to buy the right kind and to save money doing it. Good deal!

You are young now and unattached. No? Well then you have responsibility to provide for your spouse, partner and family come hell or high water. If you step off the curb at lunch today, get swiped and die tomorrow morning how do you plan to do that?

Your wife is a stay-at-home Mom and hasn’t worked since the kids were born. Oh oh! How is she going to replicate your income overnight? Who is going to raise the kids? Where is your spouse going to find the wherewithal to put them through college. Let’s hope she can get remarried quick, right? Sorry, didn’t mean to upset you! BTW, will she have enough to pay your funeral expenses?

Let’s stop this harangue! Yes, you need life insurance and you need it ASAP. So let’s get down to how, what, where and when.

Life insurance can be divided in to two basic categories – term insurance and cash-value insurance or whole life insurance).

OK – which category is right for you?

Almost certainly, I would say buy term life insurance.

Term is simple to understand, is low cost and quickly bought.

Term life insurance has lower cost than cash value insurance because it is purely a policy on the life of the person insured. No bells or whistles. There is no cash value added over time and the policy will expire worthless at the end of it’s specified term (as long as 30 years).

Term will cost you an annual premium (normally level over the term of the policy), and if you die, a lump sum is paid to your beneficiaries. The policy can be renewed at the end of its term. Yes, for a higher premium but without an additional medical examination (big advantage!).

Cash Value Insurance or whole life comes in all kinds of variety. Limited only by underwriters and insurance company marketing departments the parade is endless. The underlying premise of whole life is that the policy accumulates cash value as the policy ages. The policy is a combination of a savings plan and protection. The problem is that this makes side by side comparison of benefits and costs extremely complicated and difficult and the investment element has a low performance rating when compared with other available vehicles.

In summary, whoever you are you do need life insurance. Don’t put it off any longer. Get quotes on term life and rank them. Accept a reputable company with the lowest rate.

Avoid cash value policies and concentrate your efforts on finding the best vehicles for your savings. By following this overall plan you will be providing essential protection for your family at the lowest possible cost and moving in to a savings and investment mode to optimize your family’s accumulation of wealth. This separation is a key to success.

DxD9 DLL Error Repair – How To Fix DirectX Errors Caused By DxD9 DLL

DirectX is a set of Windows interfaces from Microsoft used in programming graphics and sound. It contains a vital component called D3d9.dll file used in loading the functions of DirectX to all multimedia programs and games that needs DirectX upon being loaded onto your computer.

What Causes D3Dx9.dll Errors?

Unfortunately, there are times when problems occur whenever Windows attempt to run the games and multimedia applications. Windows cannot properly read the d3d9.dll file due to errors encountered, hence, won’t be able to load and run the multimedia programs. Several reasons may cause this including having a corrupted d3d9.dll file, registry issues, or it may be that your version of DirectX is outdated. Typical examples of error messages that would appear on your screen are:

  • “Fatal Exception error in dplayx.dll”
  • “Access violation error in DirectX file D3D8.DLL”
  • “Cannot initialize dinput9.dll”
  • “dplay.dll has performed an illegal operation”

How To Fix D3D9.dll Errors

With the error having the potential to be caused by numerous reasons, it is important that you identify the specific cause to address it accordingly. The first thing you can do is to get the the latest version of DirectX on your system. Most of the new multimedia programs and games are not compatible with the old versions, therefore these programswill not run if you have an outdated version like the DirectX 8 on your system. You have to download DirectX 9 from the internet and install it on your computer to prevent DirectX errors from showing up. Once you’ve installed it, you have to check the version of the DirectX program and make sure you’ve installed the latest one. You can do this by pressing “Start” and then clicking “Run.” A box will appear and you have to type “dxdiag” and then select “Enter.” A DirectX “Diagnostic Tool” window will be displayed and from the bottom part of the window, you can verify the version of the DirectX you just installed. If you don’t have the latest version, you can browse the Microsoft website and download the most updated one from that site.

If after doing all the above mentioned steps and the error is still displayed, then you should clean the registry of your system. The “registry” is a huge database that stores vital files, information, settings and options. Windows reads the files it needs for it to run or load up a program through this database. The registry often gets corrupted, infected, or clogged up causing a lot of problems and errors like the DirectX error. To resolve this, you must download and run a registry cleaner that would scan and fix the errors on your computer.