The blatant and not-so blatant sabotage that’s happening in our country today regarding health care reform is nothing short of criminal. People’s lives are actually at stake and once again, people’s ignorance and lack of education and being informed is about to do us all in… The greed from our health insurance companies shouldn’t be surprising, if you’re paying attention, but it’s still astounding to me. //////// President Obama recently told Congress that while he is not the first president to take up the cause of health care reform, “I am determined to be the last.” //////////// Hey, this is too good not to share! – Forward and/or print this and give to anyone who doubts the public option in healthcare: This morning I was awoken by my alarm clock powered by socialist electricity generated by the public power monopoly regulated by the US Department of Energy. I then took a shower in the socialist clean water provided by the municipal water utility. After that, I turned on the socialist radio to one of the FCC regulated channels to hear what the socialist National Weather Service of the National Oceanographic and Atmospheric Administration determined the weather was going to be like using socialist satellites designed, built, and launched by the National Aeronautics and Space Administration. I watched this while eating my breakfast of socialist US Department of Agriculture inspected food and taking the socialist drugs which have been determined as safe by the Food and …

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TO ALL VIEWERS: We The United States of America are very proud to be whom We are. If another country suffers, – We run to help. We protect our children from predators and molesters. We regret animal cruelty, Yet,… We allow our citizens of all ages -by the millions, to be innocently used as “body parts” by Kaiser Permanente through their Graduate Medical Education (GME) Program. IT IS TIME TO END THIS! Watch, listen, learn and then protect yourself, your friends and your family. DO NOT TRUST KAISER PERMANENTE (KP). Kaiser HMO – is a multidisciplinary chain of TEACHING HOSPITALS spread out to several States in our Country. It operates as non- profit and as a FOR PROFIT corporation. In 2009 KP reported a profit of $2.1 BILLION DOLLARS. KPs teaching hospitals welcomes any qualified physician (besides KPs doctors employees) to enroll themselves in their GRADUATE MEDICAL EDUCATION (GME) PROGRAM. KP also has contracts with universities that as well, accommodate their own doctors in this same program. All of these doctors use Kaisers patients body parts and their GME Program as a vehicle to accomplish their medical education. In my case and I believe in thousands of other cases, (some of which I know about personally) KP and its GME Program have performed not needed medical procedures and intentionally committed horrific, gruesome medical crimes. After 10 years of relentless, careful, detailed investigation and of collecting piles of documentations of sorts, I was finally able …

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British Hallmarks are the best in the world.

Who says so, the rest of the World. Although to be fair, other countries have great hallmarks too, it is just that they are NOT so often seen.

A book on World Hallmarks for Gold or Silver items is a must for any serious collector or dealer, but they can be a little intimidating and time consuming. Is that mark a Cockerel or a Tree? Could it be made in Switzerland or Germany?

Thankfully for the rest of us, a small pocket book on UK Hallmarks is more than up to the task, coupled with that very useful plastic 10X eyeglass I keep on hinting for you to buy.

It will show you that the item has been tested and stamped, to prove it is – what it says it is (9ct or 18ct etc).

British Jewelry with a full UKHM (United Kingdom Hall Mark) is generally clearly stamped and readable after you clean it (check the website below for another complimentary article on ‘How to Clean your Jewelry at Home’).

Once you are aware of the marks, you will always feel just that little bit better when you buy that ‘Could it be an Antique?’ item at the local market, or from the guy in the Pub that everyone talks about but nobody knows.

Buyer Beware….

*Six marks on British Jewelry.*

Yes… Six?

# 1: The Maker’s Mark (Usually some initials). Not all that important for everyday items, unless you want to collect Jewelry from one maker. Silver collectors may want to buy items from say, Bateman (I should be so lucky).

# 2: The second stamp is the Assay Office mark or ‘Mark of Origin’. It tells you where the item came from. The most common is the LONDON Hallmark. A Leopard’s Head. Sometimes this has a crown on the Leopard’s Head (until circa 1821). Modern items do

NOT have a crown on the Leopard Stamp.

The other most common Assay Office marks are from Birmingham (an Anchor). Once there were many Assay offices around Great Britain and Ireland, the Chester mark for instance. Now there are just three offices left in England, Sheffield being the last using a ‘Rose’ on gold Jewelry (DO NOT CONFUSE THIS WITH ‘ROSE GOLD’ JEWELRY) as that is a color, not a mark.

In Scotland there is Edinburgh, while in Ireland there is Dublin. Pity the poor Welsh are left out again!

# 3: The next is the Assay Quality mark and is shown as the ‘Lion Passant’ (which means ‘looking ahead’) and is a guarantee of quality. This was later changed to a ‘CROWN’ mark with a stamp showing the quality of Gold…. 9ct or 18ct etc.

# 4: Finally, and possibly the most important mark, was the Date letter mark. It changed each year so we can tell when the item was made.

Occasionally there is an extra mark.

# 5: An example was the Queen’s Silver Jubilee in 1977.

Suffice to say if you see a Brooch with four or five marks and one of them is an Anchor with an 18 next to it and a letter ‘C’ next to that…. It’s a safe bet it was made in Birmingham in 1927, or was that 1952, or 1902, or, or, or…..

Buyer Beware the man in the Pub.

As with most Jewelry items though, our advise has always been to buy the best QUALITY you can afford from a reputable dealer who will guarantee it.

Other than that, your plastic 10X eyeglass sure helps a lot….

P.S.

If you administer a website or publish an ezine, please feel free to use this article as long as you leave all links in place, do not modify the content and include our resource box as listed below. Although it’s NOT compulsory I would personally appreciate it if you could send me an email at: gemmo1@online-jewelry-appraisals.com to let me know if and where you used it. If you need other great content – complimentary of course – then drop me a line at the email address given – ’cause I’ve got Quality Content and Gallons of the stuff….

(c)David Foard – All Rights reserved

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Your Medical Doctor or Chiropractor has released you from treatment for your motor vehicle accident and enough time has passed so you’re about to position yourself to sit down with Adjuster Henry Hard-Nose. His employer is Rock Solid Insurance, the company who insures Fred Fuddle, the individual who plowed into your rear end, smashing you with a tremendous crash which was responsible for your injuries plus the “Pain and Suffering” you’ve had to endure.

To be adequately compensated for what you’ve gone through you must have accumulated what’s identified in the world of insurance claims as “Special Damages”. Those are your Medical bills, your Lost Wages plus every dollar paid out to help with your recovery. When building the value of a personal injury claim there are several key elements you should be aware of:

LIABILITY: In the vast majority of motor vehicle accidents it’s clear who was at fault. Assuming that Fuddle struck you a mighty blow in the rear end (rear-enders make up well over half of the motor vehicle accidents that take place in the United States each year) yours is a case that must be settled. (Final Statistics prove that in 83% of accident’s that took place in 2003 it’s clear who was at fault) !

The very doubtful liability case has little, if any, settlement value. If that’s the situation you should obtain the services of the local Legal Beagle who does a good job at that, Attorney I.M. Greedy. But, if you do, be very careful when you sign Greedy’s “Contingency Fee Agreement”. Read it closely. Don’t sign anything that will let him charge you one penny, other than his normal fee. Do not – - in any way whatsoever – - allow him to chisel any money from you, for his out-of-pocket expenses. All Greedy should be compensated for (if he’s successful at busting loose some bucks from Rock Solid) is his fee and that should be no more than the usual locally published accepted percentage of the total recovery.

TYPE OF INJURY: If there are severe injuries (which make up only ten to fifteen percent of all motor vehicle accidents) you should obtain the services of a lawyer. But, if you’ve had minor injuries like whiplash, bumps, bruises, sprains and/or strains (and it’s clear you’re not at fault) you can handle and settle the claim yourself.

TYPE OF PERSON YOU ARE: Rate yourself and be brutally honest. You’re most likely an average motor vehicle owner/driver, living a normal life. But, if you’ve spent some time behind bars, have a criminal record, or a history of character defects that often get your butt in a jam with the local cops (and this is well-known) you must take those facts into consideration when forming expectations regarding what your case is worth.

THE TYPE OF PERSON FRED FUDDLE IS: The better Fred Fuddle looks, or the better the “entity” “(Fuddle’s business or company, etc.) appears, the better for Rock Solid. But, if Fuddle is a known bookie or drug dealer, they’re in deep “stuff”. On the other hand, if Fuddle is a well-loved philanthropist, that can be a plus for Rock Solid Insurance. Or if the vehicle that struck you was a van driven by Pastor Frederick Fuddle, and the named insured is The Fuddle Camp For Lost Souls, that can be a plus for Rock Solid.

But, if the “entity” that hit you was a dilapidated junk pile on wheels operated by Fred “Goof-Ball” Fuddle, and the named insured is The Fuddle Rotted Cow Manure Corporation, that will obviously not be favorable for Rock Solid.

DAMAGES: There are “Medical Special Damage” Expenses, “Non-Medical Special Damages” Expenses, and/or your “Property Damage” Expenses.

MEDICAL SPECIAL DAMAGE EXPENSES: These typically include Cost of Ambulance, Emergency Room, Hospital and/or Clinic Charges, Chiropractor, and/or Dentist, Over-The-Counter Drugs and/or Prescription Medications, Laboratory Fees and Services, Diagnostic Tests: X-Rays and (CT) Scan, Prosthetic Appliances or Surgical Apparatus, (Cranes & Crutches), Physical Therapy, Registered and/or Practical Nurse Fees, Ace Bandages, Gauze and Tape, Heating Pads, Creams, Lotions, Ointments, Balms and Salves.

When it comes to listing your Medical Special Damage “expenses” don’t overlook one single dollar because, when it comes time to settle your claim, that dollar can increase the value of your payment for “Pain and Suffering” by a multiplier of four or even five! (Yes, that means a $20.00 bill can be worth $80.00 to $100.00 more ,in your pocket, from Rock Solid Insurance, at settlement time).

NON-MEDICAL SPECIAL DAMAGES: These typically include Lost Wages and Earnings, Lost Vacation time and/or Sick Leave, Travel Expenses (car rentals, public transportation, expenses incurred getting to and from your Chiropractor and/or hospital and/or physical therapy “treatment” of some sort) Household Help during disability and/or Child Care. Be sure to obtain written proof of such “Non Medical” Special Damages.

LOST WAGES: The income you lost, because you were unable to work, is an area where adjusters take terrible advantage of the typical claimant because they know so little about it.

Commissions and overtime can make a huge difference in your lost earnings. Be sure to get a letter from your employer, on their official letterhead, explaining that in detail. Or, if you’re self-employed, get this information stated on your accountants letterhead.

The time you miss from work (thus the money you may have lost) is calculated and this element constitutes what is known as “Lost Wages” or “Lost Time Verification”. In most situations you’re entitled to compensation for lost time and earnings, even if you have no actual loss of money! Such as, for example, when your salary is paid by your company insurance coverage, or by taking sick leave, or some similar arrangement.

Even if you’re salaried you should obtain a “Lost Earnings”, or “Time Lost Verification”, in writing on your employer’s letterhead.

IF YOU’RE SELF-EMPLOYED: To prove your lost earnings you’ll probably have to assemble some inside information for Hard-Nose. If you don’t like the idea of submitting private documents to him, in the privacy of your home or office, just think how you’d feel about producing them in the non-private environment of a courtroom. When a case goes to trial, and if you want to prove your damages so as to collect adequate compensation, that’s your only alternative.

TWO CRITICAL AREAS REGARDING LOST WAGES: Did the injury necessitate a change of job or employment at a lesser rate? Or, did the injury allow your going to work but only on a part-time basis? If the answer to either question is “Yes”, it would be wise to ask your employer to document these facts on their letterhead.

IT’S CRUCIAL FOR YOU TO KNOW: Even if you’ve been paid while out of work, you can still compute your time lost from work as “Lost Wages” .

PROPERTY DAMAGE EXPENSES: These typically include Motor Vehicle Repair, Damaged Clothing, Broken Glasses, cost of Substitute Car Rentals, Towing and Storage. Make copies of all bills relating to any of your property damage expenses. Keep the originals. Be sure to have these in your possession when you and Hard-Nose plunk yourselves down to “Talk Turkey”. Photocopies are sufficient to give him.

YOUR AGE: Because of their obvious innocence, insurance claim accident victims, up to the age of 12, generally have excellent settlement results. Those in their teens, and into their late 50’s, fall into a fairly normal category because they’re generally considered to be at the height of their physical stamina. Those in their late 60’s, and over, usually fare extremely well; primarily due to the sympathy that’s often invoked, from a judge or jury, because of general attitudes regarding frailty and the elderly.

MOST IMPORTANT TO REMEMBER:The information Hard-Nose places into your file plays a major role in the ultimate value of your claim. Never underestimate the importance of his impressions and conclusions! Should, one day, your case ends up in front of a judge, or jury, what Hard-Nose feels, observes and then reports into your file at Rock Solid about you, his insured Fred Fuddle, and/or possible witnesses, etc., (in addition to the information you’ve documented for him) could have massive influence on the value of your claim – - especially if Fuddle is a loser and he’s absolutely in the wrong. At that point the only thing stalling a settlement is the amount of money it’s going cost to get rid of you.

And, should your file end up in the hands of the local defense attorney for Rock Solid Insurance, all the positive factors about you, your injury and liability, will cause him to gasp, “Hey, what’s going on here? My legal fees will be higher than the few hundred more bucks this one can be dumped for.”

The bottom line: Your out-of-pocket expenses correctly recorded and presented, your injury information properly documented and your lost wages clearly established will seriously increase the dollar value of your personal injury claim.

QUESTION: How does Dan know this to be true? ANSWER: “Because for 38 years Dan was right there, where he saw and done that” !

Copyright (c) 2005 by Daniel G. Baldyga. All Rights Reserved

DISCLAIMER: The purpose of this “How To” Insurance Claim Article “PLACING A VALUE ON YOUR PERSONAL INJURY CLAIM” is to help people understand the motor vehicle accident claim process. Dan Baldyga does not make any guarantee of any kind whatsoever, NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Wherever such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.

Dan Badlyga has had 3 “How To” Insurance Claim books published, the last being AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) which can be found on the internet at http://www.caraccidentclaims.com or http://www.autoaccidentclaims.com.

This book explains, in simple language, “How To” handle your motor vehicle property damage and/or personal injury claim. It also contains BASE (The Baldyga Auto Accident Settlement Evaluation Formula). THE BASE FORMULA will explain how to determine the value of the “Pain and Suffering” you endured – - because of your motor vehicle accident injury!

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As the health care debate in the US heats up, RT’s Dina Gusovsky speaks to Democrat Howard Dean and Republican Ron Paul to get a sense of where they stand in the health care battle. Both are doctors, both politicians, and both think they know how to fix health care. But what do the American people really want?

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What is the average cost of a Texas homeowners insurance policy? How does the average cost of Texas homeowners insurance stack up as compared to other states? Is there any ways to reduce the cost of my Texas home insurance?

These are all good questions and knowing the answers to these questions can mean all of the difference. After all, would you rather save a couple hundred dollars a month off of your Texas homeowners insurance rates and then use that money for a vacation at the end of the year or would you rather just needlessly pay that money to the insurance company in the form of extra premiums every month? Of course, we all want to save some money on our homeowners insurance so let’s read on to see how we can find truly low cost Texas homeowners insurance.

According to the United States Census Bureau there were approximately 23 million residents in the state of Texas and with so many people it is important to discuss the average cost of a homeowner’s insurance in the “longhorn” state. Although premiums and rates may vary from company to company, researchers have tried to make it possible for every Texas resident to find out the average cost of getting a home insurance policy in Texas. Below you will be able to find out the average prices paid along with the reasons why.

Average Cost Of A Texas Homeowners Insurance Policy

Several studies have been conducted to try and find the average amount of every single state in the country and their respective ranking according to how much they pay for homeowners insurance. According to the study made by the 2007 National Association of Insurance Commissioners the average premium paid in the entire country in the year 2005 was approximately $764.

According to that same study the average Texan resident saw average premiums of approximately $1,372. The study itself found the “longhorn” state to be the most expensive state when it came to homeowners insurance in the entire United States. After the state of Texas the survey found Louisiana (which increased dramatically after Katrina) with $1,144 and Florida with $1,083.

Reasons For The Average Cost Of Texas Homeowners Insurance Being So High

Many aspects of the state of Texas can contribute to the high home insurance rates paid by the average Texan resident in the year 2005. Perhaps one of the most important things was the hurricane that hit New Orleans on August 28, 2005. Hurricane Katrina reminded home insurance companies that in states near the coast they should charge a lot of money for homeowners insurance to even stay in business. This is the reason why the first three states in the list included Texas, New Orleans and Florida which are main states in the Gulf of Mexico.

Perhaps the hurricane was the most devastating thing for home owners simply because the price of their insurance has nearly doubled. However, it is important to know that there are many other things that have to do with how expensive the rates are in the state of Texas. Many of them include natural disasters such as hurricanes, tornadoes and thunderstorms.

One thing that just makes Texas so expensive to insure a home is that the size of the state is huge!! There are towns on the coast that should be protected for hurricanes, in the north they should be protected for tornadoes and hail and the whole state has been known to have horrible mole scares. These are just a few of the many things that can happen in the state, not to mention that some areas are likely to flood after heavy rains.

Tips To Lower The Cost Of Your Texas Homeowner Insurance

Like in any industry, the homeowner’s insurance business has things that you can do if what you want is a low rate. It is important to put these things into practice if you want to be one of the many people that are now saving money due to the many chances that home insurance companies give you. Below you will see tips for lowering your TX home insurance rate that you should put into practice.

Make your home better prepared for natural disasters: This is something that everyone can do and that will allow most people to lower their home insurance costs. If you have an older home you could start by putting in new heating and electrical systems so that they are least likely to end up in a home destruction due to fire or tremendous fire damage. Another thing you can do is put in storm shutters, and make window sills stronger so that damage due to storms can be prevented. Your roof can be reinforced to prevent water and storm damage.

Stay with the same insurer: This is particularly a little thing that people don’t know about the home insurance business. Believe it or not companies can reward your for being a good customer in this industry. If you stay with the same insurance company they can drop your coverage up to 5% and after six years your discount can go up to being 10%. Of course you should still comparison shop Texas home insurance rate quotes every 6 months or so to weigh the benefits of getting the longevity discount versus switching to a cheaper policy with a different company.

Raise your deductible: This is the most important thing that determines your rate. Most homeowner’s insurance policies start with a deductible of $250. However, if you want to save money by following this tip you must be able to afford it as soon as a disaster strikes. If you cannot afford raising your deductible then try and stay away from this tip. If on the other hand you could raise it a bit more up to $500 or even $1000 then do so. It is well known that if you raise your deductible up to $1000 you can save up to 25% of your home insurance policy.

Bundle up different types of insurance: This is also not known by many people, but insurance companies will also reward you for being a good customer. If you are one of those people that have more than one insurance need, such as auto, health and life; then you could find a company that offers two or three of them and put all those under the same insurer. This will be able save you up to 10% overall for being a “preferred customer’ (depending on the company of course).

Things That Determine The Cost Of Your Texas Homeowners Insurance Policy

Although there are many things that can determine how much in home insurance you will be paying monthly, there are a few that have more impact in your policy. These determinants are:

Age of your House

Material of your House

Credit Report

Your Claim History

Market Value of your Home

You Can Find Low Cost Texas Homeowners Insurance

There are many ways in which a person can save money when it comes to getting a Texas homeowners insurance policy. Now that you have all the tools it is up to you to decide if you want to be the “average Joe” or lower the price of your Texas home insurance.

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thefilmarchive.org DVD: www.amazon.com Automobile safety is the study and practice of vehicle design, construction, and equipment to minimize the occurrence and consequences of automobile accidents. (Road traffic safety more broadly includes roadway design. One of the first formal academic studies into improving car safety was by Cornell Aeronautical Labs of Buffalo, New York. The main conclusion of their extensive report is the crucial importance of seat belts and padded dashboards. Improvements in roadway and automobile designs have steadily reduced injury and death rates in all first world countries. Nevertheless, auto collisions are the leading cause of injury-related deaths, an estimated total of 1.2 million in 2004, or 25% of the total from all causes. Risk compensation limits the improvement that can be made, often leading to reduced safety where one might expect the opposite. When pregnant, women should continue to use seatbelts and airbags properly. A University of Michigan study found that “unrestrained or improperly restrained pregnant women are 5.7 times more likely to have an adverse fetal outcome than properly restrained pregnant women”. If seatbelts are not long enough, extensions are available from the car manufacturer or an aftermarket supplier. Children present significant challenges in engineering and producing safe vehicles, because most children are significantly smaller and lighter than most adults. Safety devices and systems designed and optimised …

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