Monthly Archives: May 2020

Archive of posts published in the specified Month

May
31

Risk Taking Is a Perception

Some people think I’m a wild girl and a major risk taker. I always giggle when I hear that because I don’t feel like I’m a risk taker. I only take action if I feel comfortable with it. Other people may perceive that what I’m doing is a risk, but I’ve spent time preparing myself for many of the actions. Some actions I leap into because they’re compelling and sound fun.

Let’s take skydiving as an example. Eva Gregory, my BFF, had done a tandem skydive (you’re strapped to an instructor, who does all the flying, and a large parachute) and showed me her video of the event. It looked fun, but I was so scared. I told her I’d never do it. I said if I ever did, I’d have to watch her video a hundred times in a row to get me pumped up and boost my courage.

Skydiving wasn’t compelling to me. Flying like a bird was compelling. I talked a lot about flying. I had always wanted an airplane, but I wanted to float through clouds like I’d always imagined angels did.

Very soon after the skydiving conversation with Eva, my former mate surprised me with a tandem skydive reservation. I literally cried with fear and said I wasn’t going. He said he couldn’t get a refund. (He lied.)

I wound up going but changed my perspective from fear of breaking all my limbs upon hitting the ground at high speeds, to one of floating like an angel.

I ended up loving the experience and did about 300 solo skydives after that. Is it a risk? Sure, I could sustain injuries, hurt someone else, or die. But I do not feel I’m taking an extreme risk or I wouldn’t do it!

I will not jump unless I know my parachute and reserve (backup parachute) are both packed safely. I know the direction and speed of the wind to assist me in choosing my landing pattern. I also make myself familiar with the plane I’m jumping out of and the landing zone. Most importantly, I only jump when I’m inspired and have a clear mind.

I think riding on the back of a motorcycle, as a passenger, is a big risk. Every bone in my body tenses up when I do it. I feel vulnerable on the back. Let me ride my own dirt bike or quad and I’ll go at full speed. It’s all about how I perceive the activity.

I’ve always been fascinated by people who climb mountains. My friend Rich Fettke, author of Extreme Success, is a climber and fellow skydiver. He has climbed El Capitan at Yosemite National Park twice. He’s slept on the side of a mountain hanging from ropes.

I see this as absolutely terrifying! Does Rich get a rush out of climbing? Yes! But he has done his homework and loves the sport. He has two children and a wife that he adores, so he is very conscious of …

May
29

Health Insurance Is a Very Important Investment

Health insurance continues to be a subject that sends shivers down the spine of many individuals. The main reason for this is that insurance by itself is already a daunting subject, and specific insurance categories such as health insurance, life insurance, disability insurance and critical illness insurance (only to mention a few) can be quite confusing and the associated costs thereof may appear to be quite astronomical.

Fortunately, the insurance industry is a very competitive industry and provides specialized packages (such as health insurance) for people with different needs and requirements. By making an effort to understand the different types of insurance a bit better, you will soon realize that obtaining insurance is to your benefit, it is not at all a matter of throwing your hard earned money in the water.

When obtaining a health insurance policy, you need to familiarize yourself with the terms and phrases that are most often used. This will help you to not only choose the best policy for your needs and requirements, but also to be fully equipped for having to claim from your insurance, as you will then know exactly what to expect.

Your insurance policy may expect you to make use of an accredited provider. This simply means that the service provider has received a stamp of approval and that this specific supplier is meeting very specific quality standards. This is very important, as a health insurance policy provider needs to ensure that you only make use of skilled professionals.

It is a good idea to also inquire about the aftercare stipulations of your insurance policy. In some instances you will require care or follow-up treatment after an operation or a long stay in hospital. Some health insurance policies will cover the aftercare treatments and follow ups, while others might not, so make sure to know what your policy includes and excludes.

When your insurance broker or insurance agent returns to the annual maximum benefit amount, they are referring to the maximum amount that your policy will pay out per year. It is understandable that insurance providers have to set such a limit to protect themselves. Do not forget to find out what your annual maximum benefit amount is.

Once you have chosen a insurance policy and have completed all the necessary forms and documentation, you will receive a certificate of coverage. This certificate is proof that you have obtained a policy, and it furthermore describes the limitations, exclusions, benefits, maximum benefit amount and all factors already mentioned in this article. Make sure that you read through the entire certificate and familiarize yourself with the policy's terms and conditions.

A health insurance policy can generally be obtained as a standardone policy, or as an add-on to an existing policy. Spend some time on the internet to explore possible available packages, and discuss any questions with your insurance agent or insurance broker. Obtaining a insurance policy is the responsible thing to do – you never know when you might need the cover! …

May
29

Do You Have What It Takes to Earn Or Make Money Online?

If you want to earn or make online money, bank 10X more that your 9 to 5 job and get more accomplished in your life, these three basic concepts are all you need to get started. They are interest and skill requirements, initialization investment and money making schemes. I will explain all three of these concepts in this article and show you how to leverage your time and efforts to earn or make money online quickly and easily.

Whatever you do in your life depends on your interest and skills. If you do not have the interest in your work field, why put in the effort? Technical skills have become irrelevant these days due to the hundreds of web-designing and marketing software's available. So if you are not into web-designing, you can simply neglect it for the time being. To make online money, the only requirement you need to fulfill is commitment. Commitment is the key to success to any and everything you do in your life. Commitment is a direction towards focus which lets you achieve your goal easily. If you can commit yourself to achieving a goal, you can make money online.

There is a misconception that one needs to invest to make a profit online. I and many other Internet Marketers strongly condemn this belief, although Investment in the form of initialization is required. You will require a web domain and hosting to setup your website and blogs. Moreover, if you have trouble researching the correct method to get started, you can hire someone to coach you or buy e-book's on the relevant topics. The complete initialization investment is never more than a $ 100. Buying web domains and hosting from some of the well know companies will easily get you rebates using their e-coupons available for free on the World Wide Web. In a nutshell, you can get started to earn or make online money for less than $ 100 of initialization investment.

There are many ways to earn or make online money and some times it could get a bit difficult to make a choice from such a vast verity of money making schemes. Some of the most popular monetization variations are CPA (Cost Per Action), PPC (Pay Per Click), PPV (Pay Per View / Impression) and Affiliate Marketing. The quickest and the easiest of them is CPA. CPA or Cost per action advertising is a mixture of pay-per-click, pay-per-impression, sales / leads and other variables. They can easily blend to any traffic / visitor type in online promotion and payout is always good. If you need quick money and want it easily online, CPA is the way to go.

To earn or make online money is not a big deal in any way. A wise choice of money making schemes such as CPA, a small initialization investment of not more than $ 100 and a commitment to owe yourself to work; is all you need to have in order to get started online. It …

May
28

Insurance Agents Are Like Toasters

We work in a unique industry – one in which insurance agents are like toasters. Let me explain …

Everyone owns and uses at least one small appliance at home. It may be a toaster, a garage door opener or a microwave oven. No doubt it's something we use every day. And yet, we can not recall the brand name of the appliance. We all know what it looks like and how it works, but generally can not remember who the manufacturer is … until it breaks. When it breaks, we check to see what brand of "widget" it is and whether repair or replacement is covered. We decide whether we want to purchase the same brand or try a different brand altogether. It takes a problem to draw our attention to the brand – and until that time, since we are not really aware of the brand we're using, one brand is as good as another ! Insurance agents are essentially like toasters. We're generally not thought of by policyholders until something breaks – that is, until there's a claim.

Once there's a claim, we have the ability to really shine. We're responsive and concerned. We work to expedite things and look out for our policyholder's interests. We end up creating more of a relationship with our clients. When there's a claim, we get the opportunity to really shine in the eyes of the policyholder. The problem arises when everything is going well!

When all is well and there are not any claims (which is most of the time), we are not thought of. And when we are not thought of, our clients are easily persuaded to consider using another agent or finding a better rate. The real challenge with keeping clients is not mishandling a claim. It's being faceless. The danger lies in being a nameless toaster.

How do you avoid the misfortune of being forgotten? Let me share a lesson I learned many years ago when I was working to succeed as a small business consultant. I have a pretty strong business background and I knew I could help most any small business in any area they needed help with – finance, marketing, systems, personnel, etc. I marketed to businesses far and wide – businesses in various industries and of various sizes. I was open to any assignment I could attract. After all, I could not afford to turn any opportunity away. I worked hard at developing my consulting practice, but never achieved more than mediocre results. After a few years of struggling, I ended up moving on to other things (read that as, "I had to get a job."). Just after accepting an executive position with a company, I gained an important marketing insight. Here is the insight I got:

If you're not known for something, you're not known for anything.

I had been a toaster. People hard thought of me. They rarely referred others to me. Only a small number of them chose to give …

May
27

Make Cash From Your Cash With Money Markets!

The current economic state of our country is leading more and more people to try and save money by cutting corners when they can. Sometimes, however, people are not aware of how to just make their money work for them. This seems obvious, but a lot of people just simply forget to read into it. This is a little way to help save a few extra bucks this year; maybe it can help pay off the gas you had to chard on the credit card to make it to work the past couple weeks …

Highly unspoken of, money market accounts are an easy way to make a few extra dollars without tying up your money too much. Currently, many banks are offering no-fee money market accounts for anyone who opens an account up with $ 5k or more; This means that you are able to withdraw and deposit money into these accounts, which have an interest rate around 2.2% (as opposed to a typical savings account of 3.% percent) and an apy of 2.3-2.4% without getting slammed with fees . Of course, if access to the money is not necessary, I would recommend CD accounts (if you're not interested in stocks, cause that's a whole other can of worms) which give you higher interest and apy rates that do not change . The rates right at this moment seem to be looming around 2.7%, which is not a huge difference, but it does help if you can do it. Only a few years ago I was able to lock in at a 5.6% CD rate and made over $ 600 doing absolutely nothing. If you are more interested in the CD account; first try to get one the month of your birthday (they're often times offer a 'birthday' rate which is 5% higher higher than the time) and check into your local credit unions, they tend to have slightly higher rates.

I know, I know, you say "what's the point of making an extra 1.9% when I need to make serious money". It does not really seem like it would make a huge dent. Well, let's do the math. If you already have exactly $ 5,000 to put in the bank; let's say you put it into a regular savings account. In two years (.3%) makes $ 1.50 in interest a month; $ 36.00 in two years (depending on compounding interest). Does not seem too bad. Now let's do it with a 2.3% Money Market account from Bank of America. That $ 5,000 is now working harder for you, supplying you with about $ 11.50 a month; $ 276.00 in two years (and that's without compounding your interest)! That's an extra $ 10 a month for doing absolutely nothing. And of course, with more money the amount adds up quicker.

Okay, so you've got some savings that you want to keep your hands out of (another great thing about CD's), and you want to get a 12-month CD at …

May
25

Recognizing Insurance Fraud

Insurance fraud is one of the most costly and fastest growing white-collar crimes in America today. In fact, it is the second most common white-collar crime, behind tax evasion. The effect of this crime should not be underestimated, and is reported to cost Americans over $ 86 billion per year. That means that each household incurs losses of around $ 1,000 per year due to policy increases caused by fraudulent coverage claims.

Insurance fraud is described as any deceptive means used in order to gain from an insurance policy. Fraud may be committed at any time during a transaction by applicants for coverage, policyholders, third-party claimants or professionals who provide services to claimants.

Insurance fraud is commonly described as being 'hard' or 'soft'. A hard form of this crime is one in which an accident, etc. is certainly caused, or a claim is completely fabricated in order to receive financial gain from a policy. These types of scams can range through many insurance fields including auto, home, life, medical, fire, etc.

Soft fraud describes a case where claims are falsely exaggerated, often to cover a policy's deductible. This is far more common than more elaborate hard frauds, and are sometimes referred to as 'opportunistic frauds'. Falsely exaggerating automobile damage in an accident and embellishing the value or amount of items lost in a fire or robbery are both common forms that are included in the soft category. Similarly, soft fraud also encompasses withholding of information when applying for insurance. Commonly, people will neglect to report aspects of their medical history when applying for medical insurance, or will falsify information about their vehicle when applying for auto coverage, such as mileage, location, etc. This is most commonly done in an attempt to receive lower premiums, or to ensure coverage in the first place. This is illegal and considered deception.

Types of fraud can be found throughout all fields, from health and life, to travelers insurance. For each industry, different methods are used in an attempt to profit from bogus claims. According to the industry's statistics, up to 10% of all claims, averaged throughout all fields, are fraudulent.

While most people committing this crime may feel they are only taking money from the insurance company, they are actually stealing from each policy holder's pocket. Every fraudulent claim is reflected back to the consumers through increased policies and higher deductibles. …

May
25

How Much Money Can I Make On eBay? – Make Money With eBay The Easy Way

eBay sellers are often found to brag about making hundreds of dollars per day and the so called pros and gurus maintain their stance that you can make thousands of dollars per month selling on eBay. eBay is certainly a huge marketplace and the potential to earn a lot is available, but it all depends on what you are selling and how you are committed to your eBay business. If you are wondering how much money can I make on eBay, you should have the determination to convert your dreams to goals. Only with consistent efforts you can become a top seller on eBay and your products can bring you income for a long time.

Information Products: Right Kind of Products to Sell On eBay

Anyone interested in selling on eBay is keen to know about products that can quickly sell. If you are thinking about products, you need to understand that you have to maintain an inventory and ensure that proper shipping is done. Without you create your own products, selling on eBay can become tricky because you have to act as buyer and supplier at the same time, managing multiple roles. Information products are the right kind of products to sell on eBay because you can create your own product and sell as many copies as you want.

Previously, eBay allowed digital downloads of products and this was used by scammers to cripple the entire idea of ​​eBay marketplace. So, eBay made some changes to rules and still allowed digital information products to sell on eBay. You can sell digital products as long as they are burnt as CDs or DVDs. It is easy and simple to create CDs and DVDs once you have the information accepted and ready to be sold. This way, you own your products and you can churn out as many copies as you want.

To start as a seller of information products on eBay, you have to find your niche and create a product. With so many books, ebooks and information available with reseller rights, it will take only a few hours to put your product together. You can then burn CDs and DVDs to include the information and start your trial run on eBay. If your product sells on its own with really good information, you may get more orders than you can manage manually. There is software available that helps you to take care of burning the information products, but if your business is getting really big, you can consider using third party companies to burn the content on CDs and DVDs.

In order to make money on eBay selling information products, you just can not set down with a single product. As an online entrepreneur, you have to keep thinking about your business and establish a branding for yourself. You can certainly create multiple information products in different niches, but focusing on a single niche will help you become a niche expert. So, before plunging into eBay selling, analyze your …

May
23

69 Dirty Talk Messages to Crank Up Your Texting Life

The ability to text message from ANYWHERE on the planet is something new, and gives relationships something they’ve never had before…the ability to keep our relationships exciting, even if we are separated from our lovers.

Now the hard part is trying to be creativity and erotic on your own. While sometimes it just rolls off the tongue, and thinking of what to say is quite easy. Other times, you might receive a sexy message and be dumbfounded on how to respond.

Below is a list of dirty talk messages that should be used when you can’t see the person you want, and your goal is to make them think OBSESS about you and the fact they can’t have you right now.

Some of these dirty talk messages are fun, some are serious, so use them wisely and don’t randomly use them. Sometimes humor when you’re having a seriously sexy chat can spoil the mood.

1. Hi. I’m horny.

2. I just thought about how awesome you are. And how awesome I am. Let’s hook up!

3. If you were the new burger at McDonalds you would be the McSexy!

4. You’re so f’n sexy!!

5. I want you right NOW.

6. The thought of you is turning me on!

7. Can you send me a picture so I can show Santa what I want for Christmas?

8. I can’t wait to see you later

9. You are SO hot

10. I love your body

11. I’ve been thinking about you ALL day

12. You make me want to do BAD things to you…and myself;)

13. I’m so h*rd/w3t right now

14. I would give anything to be with you right now!

15. I’ll be waiting for you later…naked;)

16. You can do whatever you want

17. The fact I can’t have you right now makes me want you MORE

18. What would YOU do to ME?

19. I’ve never been so turned on by someone!

20. I’ve NEVER wanted someone like I want you

21. You’d look so hot going down on me:)

22. No one does me like you!

23. I want you so bad I don’t notice anyone else

24. I’ve never met someone who turns me on like you!

25. You have the nicest a$$ on the planet, is it real?

26. Hey I just realized this, but you look a lot like my next girlfriend/boyfriend!

27. What are you wearing?

28. Your body makes me happy

29. I’m not wearing any underwear… maybe I can wear you later

30. Hello, I’m a thief, and I’m here to steal your heart.

31. Can I please be your slave tonight?

32. Do you know, your hair and my pillow are perfectly color coordinated?

33. God must have been in a very good mood the day we met.

34. I think I could fall madly in bed with you.

35. I want to melt in your mouth, not in your hand.

36. I wonder what our children will look …

May
22

The Undeniable Truth About Website Development Firms That Nobody Is Telling You

There are various ways to create a website like static HTML, flash websites and so forth. Website is a required part to earn a thriving online company in the world. If a web site is simple to go through, there are more chances that they’d love to read more about you. A website should serve the purpose for which it has been produced. Thus it’s imperative for all of us to acquire our websites show up on the all mobile devices so we must take aid of the iPhone development companies that are offering such iPhone compatible web designing. For example if you’re trying to find a fully interactive Flash website you better be sure that the website design company you select has done many Flash websites.

Design the website strategically, if you’ve got plenty of things to discuss. Creating a site isn’t alone enough for a site to be prosperous. Website being among the best mediums to showcase the services and products of your business, is a good method to start if you’re going the internet way for the very first time. As a way to sustain and do well in a very competitive internet environment your website should be easily navigable and user friendly and for that working with a trusted website development firm can make the process simpler for you if not more.

Websites should be designed in such a manner that they can effectively send across your message to your target audiences with no hassles. If your site is attractive and effective, more number of users will attract towards your site and from this a growing number of number of people may come to learn about your goods and solutions.

a website development firm plays a vital role in the total development of any organization. It’s necessary for a PHP website development firm, which could make online applications in a very easy and striking manner so that it’s accessible by all. Website development has becomes one of the greatest alternatives for online business expansion.

Frequently, the business might not have the very best and the most experienced individuals to help it with the exact same. Since companies everywhere are doing this now, it isn’t actually such a huge deal if you should think about doing it. Therefore, while searching for availing web design services, make sure you search for a website development firm that meets all these criteria.

Selecting a professional website development firm is now essential for each and every online business to keep up their online presence due to the fact that many customers are searching the internet prior to making a purchasing decision. Hiring a professional website development firm to create your business website is just one of the main professional decisions you will make.

The Key to a Successful Website Development Firm

Even in the event the businesses are providing offshore services, they should provide real-time support according to the customer’s time zone and keeping up international high quality standards. A popular …

May
22

When to Call Your Personal Injury Lawyer About Medical Malpractice

If you have suffered from injury or illness due to medical negligence, you have the opportunity to file a lawsuit to recover damage for your financial loss and emotional distress. Medical malpractice comes in many forms. Doctors and their staff have to be held responsible for any injuries that you have due to mistreatment. There are several ways to know if you have a medical malpractice case. If you fall into any of the following categories, call your personal injury lawyer:

You Were Treated Improperly

When a physician or other medical staff is treating you, you have a right to proper treatment. Patients go into a procedure believing that they will be treated in a way that will benefit them. However, there are cases in which people are improperly treated. Some examples include administrating the wrong medication, performing an incorrect procedure, or improperly performing a procedure. In addition, improper treatment includes not receiving any treatment at all for your ailment. Some doctors may believe that you are not in need of a procedure. If you subsequently suffer further complications after not receiving adequate treatment, you could have reason to bring your case to a personal injury lawyer.

You Were not Diagnosed

There are some instances in which patients are not given the proper diagnosis, or not even diagnosed at all. This can lead to pain and suffering on your part, especially if a proper diagnosis and treatment could have preceded it. Not having a timely or correct diagnosis can complicate your illness and cause it to escalate to a point that could require even more invasive treatment. To prove that you were injured due to improper diagnosis, your attorney would have to prove that a competent doctor would have diagnosed your illness properly, and that you would have had a better exit had you been under the right diagnosis sooner.

You Were not Made Aware of Potential Risks

Doctors have a duty to provide accurate information to patients with regard to the potential risks that come with their illness and treatment. There may be a time in which the risks of a procedure or treatment method outnumbered the benefits. If the medical staff fails to advise you of these risks, and you suffer from complications caused by the treatment, they have failed to provide you with informed consent. They are required to let you know of any and all risks so that you may make an informed decision on whether or not to go through with the treatment plan. By not giving you this information, they can be held liable for your pain and suffering.

There are instances in which doctors and medical staff may fail to provide you with proper treatment or fail to make you aware of potential risks of certain procedures. If you become injured due to negligence, you should contact your personal injury lawyer to ask about the possibility of a medical malpractice suit. You could have your medical expenses paid as well as receive damages …