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Saturday, July 11, 2015

The Insurance Industry

Life, Home, Appliance, Transportation, Business, Event, and Credit Cards Insurance

Are you really covered for every situation in your life? Do you live near the water? If so, you should really have some flood insurance. Do you have any family heirlooms from your grand aunt? Do you have minor children? If you are renting an apartment do you have Renters insurance? We pay more for insurances than we do anything else in life. Is there any control over the insurance industry?

Whole life also called Permanent life or Term life insurance is major so which way have you insured your family? We have some term life insurance policies from years ago that are paid in full and still have their value. Someone had the bright idea to change the provisions of term life insurance. We need to be careful who and how we vote in elections. Currently, when you buy a term life policy, at the end of the term the policy has no value under current standards. It does not matter how many years you pay or how much the policy is worth it is null and void. While other policies will depreciate.

Disadvantaged Americans are on fixed incomes with limited budgets and most with health issues. We spoke with many people at the library meeting, recreation center meeting, and senior center. The topic was insurance, the future, and preparations or lack there of. We were informed that the first thing most Government Agencies ask is do you have any insurance policies with cash surrender value? We were told they had to exhaust everything before receiving any city, state, or federal assistance. I was wondering why so many people in our neighborhood go door to door when loved ones die to collect for the funeral services. How do disadvantaged people prepare for retirement?

When was the last time that you took self inventory? Periodically, I walk around my home with a note book to evaluate our insurance needs. We make changes in our lives daily and seasonally. While walking around I include repairs, updates, or upgrades needed around the home. Some People give expensive gifts for special occasions and they have to be put away in your home and insured.

Home organization is different for each person. I list our overflow in 3 categories as I walk around the home: trash, keep, and donate. I get two bags out to begin the process one for donations and the other for trash. I keep the warranties and extended insurance plans in a folder. I have additional insurance on small appliances, the home heating system, hot water tank, refrigerator, freezer, air conditioners, washer, ceiling fan, and dryer insurance.

Credit card insurance is something you could consider when possible. When I qualified for a charge at a major home supply center; I added the life insurance plan. In the event of my death that credit card is paid in full. The credit card policy covers all the products purchased. I added that insurance to protect my family for pennies a day.

As your life changes your insurance needs change so stay up to date.
One in four insurance agents will be gone by 2018
Buying term and investing the difference

Thanks for reading; kind comments are always welcomed for public viewing. Critical comments are appreciated privately pamdabney@gmail.com

Thursday, June 11, 2015

What can we do?

Will we survive the next natural disaster? Are we prepared for any of these: astroid, meteor, comet, volcano, earth quake, tsunami, hurricane, tornado, floods, or an ice storm? Our solar system is comprised of many things. The galaxy in which we live is complicated. The movie San Andreas has come out. I immediately remembered elementary science and the San Andreas Fault. I questioned a few people who attended different schools. Many said they were never taught about the geological faults.

I liked science in school and continue to read and research the subject. My memory about geological faults was a surprise since the stroke. No matter what level of education you have, everyone could expect the best, prepare for the worst, and pray with hope in your heart. "Today is your day, because we are next in line for a miracle. Shirley Caesar " Your Next in Line

Comets are composed of ices, dust and rocky debris carried from the early formation of the solar system about 4.5 billion years ago. This link will prove more information on the subject. The ices are what cause the cold temperatures when comets are near. "As of 1995, 878 comets have been cataloged and their orbits at least roughly calculated. Of these 184 are periodic comets (orbital periods less than 200 years); some of the remainder are no doubt periodic as well, but their orbits have not been determined with sufficient accuracy to tell for sure." Nine Planets

Meteor Showers can often be seen in the night sky. "Meteor showers are named for the constellation that coincides with this region in the sky, a spot known as the radiant. For instance, the radiant for the Leonid meteor shower is in the constellation Leo. The Perseid meteor shower is so named because meteors appear to fall from a point in the constellation Perseus." Star Date Lyrid Meteor Shower in 2016 will be difficult to see because of the full moon.

What Is The Difference Between Asteroids and Meteorites? by NANCY ATKINSON on JUNE 2, 2015 will answer many of your questions. I hope this feature will prompt you to read, research, and prepare your family for anything. Climate changes effect us in many ways and 26 space rocks hit Earth between 2000 and 2013, each releasing energy equivalent to some of our most powerful nuclear weapons.




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Monday, May 11, 2015

7 Things About Social Events Your Boss Wants To Know

7 Things About Social Events Your Boss Wants To Know

1. There are discounts that businesses usually ignore while planning comapany events. The Owner is watching the bottom line.
2. Locations are not selected with the staff members transportation in mind.
3. The secretaries do not have the time with their normal schedules to conduct the best investigations.
4. It is best to have an event budget to control the cost.
5. Party planners often have higher rates based upon the companies revenue and not the services they perform.
6. Cash bars can save the company money and minimize drunkenness. Everyone may not drink and alcohol cost more money. Coffee, tea and soft drinks can be included with the mean at a more reasonable rate.
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Saturday, April 11, 2015

20 Myths About Google Circles

20 Myths About Google Circles

I was on Google Plus a few years before I shared my first circle. My interest was only for location photography. I had a photography circle so I could share their work on my travel page. I used the via and moved on to the next project. Then I received the instructions in an email. I shared the photographers circle and gave him full credit. Once I shared him and gave him credit he un-circled me. I couldn't understand what I had done wrong. We were connected for two years and he gave me the instructions.

Next I met a different circle creator, because she wanted my people. I had some very good people that she was not connected with and then off she went. Next I encountered the group who share, travel, and circle together. This went on for a few months then I stopped making their circles. Each person will have a very different experience.

20 Myths
1. If you build the circles they will come and follow your instructions.
2. Tagging people and businesses will ensure your re-shares.
3. Many people will at least plus one if they are included.
4. Notifications actually work.
5. Putting together your own circles will be easy.
6. People will welcome your participation and sharing.
7. As large as the world, Internet, and Google plus are you will not encounter any clicks or gangs.
8 People are just around to learn about you.
9. Different will establish a code.
10. Circles are ways to generate business contacts.
11. All the people in the circles want to be shared.
12. You will not be blocked for sharing people in circles.
13. Your business communications will improve.
14. Waiting 15 minutes after each post will be enough time to answer your comments.
15. Saying thank you will make a difference.
16. Adding yourself to a circle, naming, saving it, and sharing as instructed will not cause any problems.
17. The people that help you build your circle world will actually remain in contact.
18. Learning as you go will not be to your benefit.
19. People speaking in a certain tone are not just having a bad day. They can be like that everyday.
20. You will automatically gain followers to stay.

Let me know your 20... 6/3/15 The only circles to share are the ones created. No more circles to share .