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I've composed a brief description of all the coverages on an auto policy. I created this on a lens. If you have the chance, take a look and make a comment on my guest book on the page.

The address is view link

Thanks again and be sure to contact me if you have any questions.

I have been studying with the CDI but, I have been relocated to Wisconsin before I could complete the certification. Will my credits be transferable to a similar course with this states insurance dept?

Hi, all,
I have not had much time for Eons lately. Am in school part-time, etc etc -- you know how it is sometimes.
But I wanted to make sure to let you know of a couple really good web sites I've found lately with free info or good articles about health care policies --
One is called Insurance Consumer Advisor at view link' rel='nofollow'>view link put a space here so it does not become a link]insuranceconsumeradvisor.blogspot. com/ for all kinds of stuff on news, your rights as an insurance consumer, bills in Congress, and more.
Another one is called HealthBeat. It's at view link' rel='nofollow'>view link put a space here so it does not become a link]healthbeatblog.org/
It has good articles by another lady who knows her stuff and talks about possible solutions to the healthcare and insurance problems we have.
Hope you like either one or both of these sites.
Have a nice holiday and a great week. -- Laura

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We are big fans of long term care insurance. My wife and I each have two policies. Just wondering what others are doing. Our agent tells us not many people are walking in and buying this stuff.

Here's a great piece I came across re buying life insurance. Sound familiar?

11 Most Nonsensical Reasons for Not Having Life Insurance
By Jonathan Pond

11) “I can’t afford the premium on the amount of coverage I need.”


Pond: There’s no doubt the economy is putting a strain on all of us these days, but you’d be surprised how little a term policy costs. A 20-year, $500,000 policy may cost about a dollar a day. Surely you’d agree your family is worth such a small sacrifice.

10) “I’m single. I don’t need any life insurance.”

Pond: OK, but there are many other situations that require life insurance. Do you own a small business, and would your business make it if something happened to you? Are marriage and children on the horizon? Are you or may you become a caretaker of a loved one? More people rely on you than you think.


9) “Life insurance is for families. We have no kids, so we don’t need any life insurance beyond what our employers offer.”

Pond: I cringe when I hear that one. Besides the fact that insurance offered by employers is almost always inadequate, having no kids does not mean you don’t have people relying on you, as mentioned above. Think about it: Could your spouse pay the mortgage if you died? That’s just one of many examples of why you need a policy.

8) “I’ll wait for an insurance agent to contact me.”

Pond: Terrific. Oh by the way, will that solicitation come before or after you pass away and leave your family’s future in jeopardy?

7) “Look, I started with nothing. Now I own a home, have some retirement savings, and my family wants for nothing. If I die, they’ll have a much bigger head start than I had.”

Pond: They’ll also have a lot more debt than you ever had. The cost of living keeps going up, and the mortgage payments and tuition bills won’t go away, even if you do.

6) “I’m in lousy shape. Why go through the effort of applying for a policy only to be rejected.”


Pond: This isn’t true. Insurers offer a variety of rate levels for every waistline. However, the better your physical condition, the lower your rate will be. So start making positive lifestyle changes now, not only for your policy but also your long-term health.

5) “I’ve already got plenty of life insurance coverage. If I die, my family will be rich.”

Pond: You may want to double-check. A 2007 LIMRA (Life Insurance and Market Research Association) study revealed that most Americans are underinsured. Make sure you’re not one of these people by calling a life insurance expert today.

4) “I’ve got great genes. My ancestors lived a long time, so I’ll live a long time.”

Pond: This one is frightening. The only thing for sure in life is that nothing is for sure. Look no further than Tedy Bruschi of the New England Patriots, who now is also an SBLI spokesperson. Just days after completing a championship season, he almost died of a stroke at 31.

3) “I’ll wait until I get older.”

Pond: Not only does this jeopardize your family by leaving them unprotected, it’s a terrible financial decision. While it’s never too late to buy insurance, the younger you are, the lower your rate will be.

2) “I don’t want some stranger coming to my house for an insurance physical. Anyway, I’m afraid of needles.”

Pond: These “strangers” are trained, licensed medical professionals from reputable medical institutions. They are coming to you to make the life insurance purchasing process easier. If you don’t want them visiting your house, ask your life insurance professional to schedule an appointment at your office, a nearby clinic, or a hospital.

1) “I’m too busy now to be bothered with life insurance, but it’s on my “to do” list.”

Pond: Too busy to protect your family? Now that’s nonsense!

These are just 11 nonsensical reasons not to buy life insurance. For more, or to get some free no-nonsense advice on how to protect your family’s future with low-cost, dependable life insurance, visit SBLI.com or call 1-888-GET-SBLI.

Pond, known as "America's Financial Planner" simplifies all things financial and discusses topics from annuities to zero coupon bonds in plain English. With Emmy award, critically-acclaimed television specials, newsletters and best-selling books, Pond's work in educating the public on financial matters has been far-reaching and widely recognized. He is widely sought as an objective and entertaining observer of the investing and personal financial planning scenes and has made regular national appearances on all of the network and cable television stations, including regular segments on CNN and over 50 appearances on NBC's Today Show.

I'm very glad to join the group. Insuring your future is extremely important, I don't say this because I myself am a life Insurance agent/broker, but in regard to life's surprises', bank rate's, and inflation. It is essential for families, as well as individuals. You are able as well to insure the certainty of being able to pay your existing mortgage in case of emergencies. It's great!. Daphine.

Some of you will read this and say "I knew that" but did you really. Some of you
will relate to her words because of personal experience, and some you will go
"no shit". Which ever, I have heard this lady speak, she is concise, eloquent,
and so matter of fact it's scary.
Hi to all
Joe

Editor's Note: Below are selected excerpts from Brigitte Gabriel's speech delivered at the Intelligence Summit in Washington DC

We gather here today to share information and knowledge. Intelligence is not merely cold hard data about numerical strength or armament or disposition of military forces. The most important element of intelligence has to be understanding the mind set and intention of the enemy. The West has been wallowing in a state of ignorance and denial for thirty years as Muslim extremist perpetrated evil against innocent victims in the name of Allah.

I was ten years old when my home exploded around me, burying me under the rubble and leaving me to drink my blood to survive, as the perpetrators shouted, "Allah Akbar!" My only crime was that I was a Christian living in a Christian town. At 10 years old, I learned the meaning of the word "infidel."

I had a crash course in survival. Not in the Girl Scouts, but in a bomb shelter where I lived for seven years in pitch darkness, freezing cold, drinking stale water and eating grass to live. At the age of 13, I dressed in my burial clothes going to bed at night, waiting to be slaughtered. By the age of 20, I had buried most of my friends--killed by Muslims. We were not Americans living in New York , or Britons in London . We were Arab Christians living in Lebanon .

As a victim of Islamic terror, I was amazed when I saw Americans waking up on September 12, 2001, and asking themselves "Why do they hate us?" The psychoanalyst experts were coming up with all sort of excuses as to what did we do to offend the Muslim World. But if America and the West were paying attention to the Middle East they would not have had to ask the question. Simply put, they hate us because we are defined in their eyes by one simple word: "infidels."

Under the banner of Islam "la, ilaha illa Allah, muhammad rasoulu Allah," (None is god except Allah; Muhammad is the Messenger of Allah) they murdered Jewish children in Israel, massacred Christians in Lebanon, killed Copts in Egypt, Assyrians in Syria, Hindus in India, and expelled almost 900,000 Jews from Muslim lands. We Middle Eastern infidels paid the price then. Now infidels worldwide are paying the price for indifference and shortsightedness.

Tolerating evil is a crime. Appeasing murderers doesn't buy protection. It earns one disrespect and loathing in the enemy's eyes. Yet apathy is the weapon by which the West is committing suicide. Political correctness forms the shackles around our ankles, by which Islamists are leading us to our demise.

America and the West are doomed to failure in this war unless they stand up and identify the real enemy: Islam. You hear about Wahabbi and Salafi Islam as the only extreme form of Islam. All the other Muslims, supposedly, are wonderful moderates. Closer to the truth are the pictures of the irrational eruption of violence in reaction to the cartoons of Mohammed printed by a Danish newspaper. From burning embassies, to calls to butcher those who mock Islam, to warnings that the West be prepared for another holocaust, those pictures have given us a glimpse into the real face of the enemy. News pictures and video of these events represent a canvas of hate decorated by different nationalities who share one common ideology of hate, bigotry and intolerance derived from one source: authentic Islam. An Islam that is awakening from centuries of slumber to re-ignite its wrath against the infidel and dominate the world. An Islam which has declared "Intifada" on the West.

America and the West can no longer afford to lay in their lazy state of overweight ignorance. The consequences of this mental disease are starting to attack the body, and if they don't take the necessary steps now to control it, death will be knocking soon. If you want to understand the nature of the enemy we face, visualize a tapestry of snakes. They slither and they hiss, and they would eat each other alive, but they will unite in a hideous mass to achieve their common goal of imposing Islam on the world.

This is the ugly face of the enemy we are fighting. We are fighting a powerful ideology that is capable of altering basic human instincts. An ideology that can turn a mother into a launching pad of death. A perfect example is a recently elected Hamas official in the Palestinian Territories who raves in heavenly joy about sending her three sons to death and offering the ones who are still alive for the cause. It is an ideology that is capable of offering highly educated individuals such as doctors and lawyers far more joy in attaining death than any respect and stature life in society is ever capable of giving them.

The United States has been a prime target for radical Islamic hatred and terror. Every Friday, mosques in the Middle East ring with shrill prayers and monotonous chants calling death, destruction and damnation down on America and its people. The radical Islamist deeds have been as vile as their words. Since the Iran hostage crisis, more than three thousand Americans have died in a terror campaign almost unprecedented in its calculated cruelty along with thousands of other citizens worldwide. Even the Nazis did not turn their own children into human bombs, and then rejoice at their deaths as well the deaths of their victims. This intentional, indiscriminate and wholesale murder of innocent American citizens is justified and glorified in the name of Islam.

America cannot effectively defend itself in this war unless and until the American people understand the nature of the enemy that we face. Even after 9/11 there are those who say that we must engage our terrorist enemies, that we must address their grievances. Their grievance is our freedom of religion. Their grievance is our freedom of speech. Their grievance is our democratic process where the rule of law comes from the voices of many not that of just one prophet. It is the respect we instill in our children towards all religions. It is the equality we grant each other as human beings sharing a planet and striving to make the world a better place for all humanity. Their grievance is the kindness and respect a man shows a woman, the justice we practice as equals under the law, and the mercy we grant our enemy. Their grievance cannot be answered by an apology for who or what we are.

Our mediocre attitude of not confronting Islamic forces of bigotry and hatred wherever they raised their ugly head in the last 30 years, has empowered and strengthened our enemy to launch a full scale attack on the very freedoms we cherish in their effort to impose their values and way of life on our civilization.





If we don't wake up and challenge our Muslim community to take action against the terrorists within it, if we don't believe in ourselves as Americans and in the standards we should hold every patriotic American to, we are going to pay a price for our delusion. For the sake of our children and our country, we must wake up and take action. In the face of a torrent of hateful invective and terrorist murder, America 's learning curve since the Iran hostage crisis is so shallow that it is almost flat. The longer we lay supine, the more difficult it will be to stand erect.
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Brigitte Gabriel is an expert on the Middle East conflict and lectures nationally and internationally on the subject. She's the former news anchor of World News for Middle East television and the founder of AmericanCongressforTruth.com. More bio info at view link