My Blog Caius

Wednesday, September 12, 2007

Is Your Homeowner's Insurance Giving You Protection from Flood Damage or Losses

The first thing that surprises many people about flood insurance is that everybody is actually considered to live in a flood zone according to FEMA (Federal Emergency Management Agency) - its simply a question of whether you are at low, moderate or high risk of flooding. Obviously some people, depending on where they live, are at greater risk than others.

And another surprise is that even people who live in areas not particularly prone to floods may be at risk from flooding - around 30% of claims for flood damage come from areas that are considered low to moderate risk. And during a 30 year mortgage, a typical home has about a 25% chance of being damaged by a flood.

Many homeowners are also surprised to learn that flood insurance is not included under their regular homeowner's insurance policy or renter's policy. And a surprising statistic is that in general, you are 30 times more likely to lose your home to a flood than a fire. Every year around $2.4 billion is paid out in insurance claims for flood damage or losses.

A flood can mean any kind of water damage or damage from mud, poor drainage or seepage. Much flooding is caused by winter storms, melting snow and hurricanes - things which many people tend to overlook. Just an inch of water can potentially cause costly property damage and a car can be swept away in just two feet of water.

Because most policies don't cover flood damage, Congress established the National Flood Insurance Program (NFIP) in 1968. This program allows people who may be at risk from flooding to purchase adequate insurance - even after the flood or water damage has occurred.

Several companies offer flood insurance - always make sure the company you choose is backed by the NFIP. This ensures you will be adequately protected in the case of flood damage. This is one type of insurance you shouldn't take out at the last minute - one disadvantage with the program is that after you have taken out flood insurance, there is a 30 day waiting period before any coverage takes effect.

As with other products and services, always shop around when comparing policies. The internet has made it just as easy to compare prices on line as it is to call around the various companies. Around 5 million people in the United States have some form of flood insurance and the average monthly premium is around $350 per year.

Take into account the amount of coverage you will receive in the event of a flood, as well as the amount of the monthly premiums. Make sure that there are no exclusions to the policy that may affect you. And make sure your insurance company can easily be contacted if and when you need them.

Most flood insurance policies will cover the costs of replacing or repairing both property and goods in the event of any damage. Contents can include furniture, clothes, rugs and carpets and other possessions - even the food in your freezer.

Contents and buildings both generally have separate deductibles (the amount you must pay before the insurance covers the costs) - so if both your property and contents are damaged by flooding, you will have to pay both deductibles.

So even though you may not obviously live in a high risk flood area, consider taking out flood insurance. Like most insurance, you hope to never use it - but it's comforting to know it is there.

Get Your Insurance Guide Now. Find Out More Information about Different Types of Insurance such as Medical, Car, Dental, Term-life, Travel and Home Insurance.

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Know Your Rights Under the Lemon Law

Are you the lucky owner of a lemon?

If you think your car is a lemon, then you probably feel like you're always in the repair shop for the same repair over and over again. Sure the repair is covered under the vehicle warranty or extended warranty, but it's always in the shop!

If it seems your car is in the repair shop time and time again for the same repair, you may be the lucky owner of a lemon. Fortunately, your state has recourse for you, so get started protecting yourself right away.

Both the lemon law and an extended warranty can benefit you when you have purchased a new or used vehicle that appears to have defects that cannot be remedied by repeated repairs.

If you chose to purchase an extended warranty, know your rights given to you under the warranty, and be thorough in your inquiries. Be aware that if you decided to purchase an extended warranty with your vehicle, you may not be covered by the lemon law in your state.

If you chose not to purchase the warranty, know your rights under the lemon law, and immediately contact a lemon law attorney if you feel your rights have been violated.

And if your car is determined to be a lemon, can you legally sell your lemon? Though it may not always be easy to sell your car following a lemon law battle, do not despair. As long as you disclose all pertinent facts, legally you can sell that lemon!

Honesty regarding the lemon law is always the best policy, and disclosure makes it legal. Just follow a few simple guidelines and youll be alright.

Karen Kirby has over 25 years' experience in the computer industry, an MS in Computer Science, and a BA in Honors English. She has been helping people with Internet marketing since 1995. For more information on what you need to know about the lemon law see http://lemon-car.brilliantbusinessmodel.com/what-you-need-to-know-about-the-lemon-law.htm Be sure to get a free copy of the "Internet Marketer's Guide to Free Traffic" at http://www.aimbright.com/ebook

Copyright 2006 - Karen Kirby. All Rights Reserved Worldwide.

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Insurance And The Benefits Of A Broker

From cars to caravans and pets to plane travel, there's an insurance policy for almost everything. Consumers are faced with a huge choice of companies offering insurance, so it's little wonder that some people don't know where to start when it comes to buying a policy.

But it's not just insurance companies who are selling insurance these days - banks, building societies and even supermarkets have all got in on the act. So where do you go to get the best deals on the most comprehensive polices?

One important resource which is sometimes overlooked is an insurance broker. Independent insurance brokers work on your behalf to find the best possible deals to suit you. They'll be able to search though the market to locate the most competitive prices available, meaning that you don't have to spend hours on the phone or online looking for quotes yourself. This can save a considerable amount of time, as insurance companies require a large amount of information in order to create a quote.

Also remember that insurance brokers are experts in their field and can therefore quickly find and compare insurance quotes. And because they are obliged to search the whole market, you can be sure that their recommendation will be the one that best suits your needs, and not biased or skewed due to other business considerations.

Another advantage of using an insurance broker is that you get to deal with a real human being. Many larger insurers have implemented automated response units to deal with requests from potential customers. Whilst this saves them money, it can be frustrating when you just want to speak to a person.

Another cost cutting measure that some insurers have been implementing is the outsourcing of their call centres to countries like India, where labour is much cheaper. However, this can cause problems with bad phone lines. Moreover, staff are not always fully fluent in English or may have a strong accent, which can make communication more difficult.

The standard advice for buying insurance and indeed buying almost anything is to shop around for the best deal. However with an independent insurance broker, you are effectively getting someone else to do all the shopping around for you; and due to the time consuming nature of obtaining insurance quotes, it can actually be more cost effective to go through a broker than to do it yourself - especially since insurance brokers have access to special rates than aren't available to the general public and can do a much better job at negotiating for discounts.

And finally, an insurance broker will fight your corner with an underwriter, should you need to make a claim - so not only can they get you the best deals, they also come with added peace of mind.

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A Beautiful Mind - Genius and Madness Are Close Neighbours

Have you seen A Beautiful Mind with Russell Crowe ? The film is based on a true story about a brilliant mathematician coming to grips with schizophrenia, and it won four Academy Awards in 2001.

Ive seen it a second time last week and was again captivated not only by Crowes performance, but especially by the fascinating illustration of how powerful the human mind is.

While Professor Nash teaches at a famous American university, he is approached by secret service agents to decipher a code which the enemies of democracy use for their subversive activities, threatening national security. For years he works with the agents, exploring millions of connections and possibilities to uncover the mystery - until his wife finds out about his hidden life and supports him on the way out of the mess.

It turns out that all the persons involved in the undercover plot are totally fictitious, they only existed in the Professors mind - so real for him, that he had developed a complete second identity around his scenario. His weird behaviour under these circumstances was obviously labeled 'madness' by his 'normal' peers - and yet he won a Nobel Prize for his academic work a few years later.

Genius and madness are close neighbours, they say - assuming for a minute that you and I dont fall into either of these categories, what is the lesson for 'normal' people here ? As far as Im concerned, I show more consideration for the unusual conduct of people these days.

Who am I to judge others for things I dont understand ? I know that I have some blind spots, and may be that odd fellow I saw in the mall yesterday is a genius working out the quadrature of the circle.

Whats more, I am reminded that I, too live in my own world - like you do in yours.

A lot of things occupy my mind every day which directly influence my actions because I am absolutely convinced that they are perfectly sensible.

Most of the time you wouldnt find strange what I do, I suppose, but I am sure that some people wonder who the fool is that spends an hour on a perfect Sunday afternoon writing articles like this.

Whats on your mind ? Do you want to be president of your bowling club ? Climb Mount Kilimanjaro ? Thats OK, but I personally couldnt be bothered.

The point is that we are who we think we are, literally. I am not a professor, and I dont want to win the Nobel Prize - but I want to write and thats OK, too. Who knows, may be theyll give me the Pulitzer Prize one of these days - call me crazy.

About the Author :

Berend Lange is a freelance writer and publisher focusing on human lessons behind the scenes of current affairs. On his BLUE CRANE website http://www.bluecrane.info and on his blog http://bluecrane.wordpress.com he offers advice and a fresh perspective on how to overcome the challenges we face in life. He constantly monitors publications on personal growth and his eNewsletter COMPASS keeps subscribers in touch with self improvement. Subscribe to COMPASS today on http://www.bluecrane.info/compass.html

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Welfare And Healthcare Of Illegal Aliens

Each year immigrants use the services of the welfare and healthcare system in the United States resulting in billions of dollar being spent every year on their care. This comes straight from the Licenses for Immigrants offices.

The question arises-is this fair to the United States citizens who are legal residents? The legal residents pay the bill in one way or another, it might come out of your pocket directly, but you see in your taxes. The other question that arises from this particular dilemma - should we deny people in need of medical and public assistance.

The Current Status Of Illegal Aliens

If an illegal alien lives in this country, they cannot apply for and receive any form of public assistance. This however does not stop them from falsifying their information to receive assistance. If the alien is legal in the United States, they can receive benefits under some strict guidelines. This does involve a waiting period. This has not changed the problem with illegal immigrants coming into the country.

Background Information

Immigrants can obtain false papers stating they are legal to this country. If they do not have this paperwork, they cannot receive welfare, medical assistance, food stamps and other services offered by the government.

It is not hard for illegal immigrants to obtain the proper paperwork claiming them as US citizens. It has become a big business in the United States. If they are in need of medical services, area hospitals and walk-in clinics do not ask for proof of identification clarifying they are a US citizen. If you have a name and a made up Social Security number you can be treated in the medical facility.

Even if hospitals know they are illegal immigrants, they will treat them and not deny medical services. It is also important to know that they do not report them to the authorities as well. This is their way of providing medical care to everyone without the fear of being caught and detain before being deported. Only small amounts of illegal aliens are deported because of limited resources from governments. The more important cases are sought out such as criminals and people who break laws.

In 1996, the new law made it impossible to come to this country and receive food stamps, Medicaid and welfare without a long waiting period. Before the law, legal aliens could apply for benefits and receive them right away. This has cut down on the taxpayers paying for illegal aliens living on government assistance.

Before, immigrants had to have family sponsor them and provide documentation of support and income while promising to support them entirely while on the waiting list, which could take up to ten years. The supporting family reimbursed any government support. Under the 1996 law, some benefits were restored. This was only for certain things, which still has the advocates for immigration, human and civil rights feeling they still have a long road ahead.

Gus Taperman holds a Bachelor's degree in Commerce and completed his master's in Business Administration. He is working as writer and financial consultant http://www.taperman.com

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Basic Contract Principles

Lets start with basic contract law. In order to have a Contract, there must first be an Offer. The Offer can be an offer for a good or a service or almost anything else for that matter. In Example 1, A offers to by a car from B for $1,000. In example 2, X says to Z If you pay me $50 I will paint that room. Clearly both of those statements are Offers. For the most part, the Offer will be along the lines of someone promising to do something, buy something or give up something.

The next step in Contract formation is called an Acceptance. The Acceptance regarding the above scenarios would be Bs reply Yes, I will sell you my car for $1,000" or Zs reply Yes, I will pay you $50 to paint the room. Take note that a Counter-Offer will not act as an Acceptance, but rather as a Rejection. Referring to the above scenarios, B says I will sell you my car for $1,200 instead of $1,000". This is a rejection of the initial offer, and becomes a Counter - Offer to A. A must now choose to Accept or Reject Bs Counter - Offer. If A rejects the Counter - Offer, the Original Offer is no longer on the table. The process must begin again.

The third aspect of Contract formation is called Consideration. Consideration means that something of value must be exchanged. The Consideration in the car scenario for A would be receiving the car. The Consideration for B would be receiving the $1,000. Consideration in a Contract must be mutual, that is, both parties must receive something of value. Take note, that the value need not be equal or necessarily fair. A can offer to buy Bs new Corvette for $1,000. If B Accepts, then a Contract will be made, even though it should be obvious that this is not a fair deal. That sums up Basic Contract Principles.

Greg Artim is an Attorney with offices located in Pittsburgh, Pennsylvania. For more answers to your Contracts or other legal questions, please visit his website at http://www.gregartim.com/contracts.htm

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VAWA - A Solution to Immigrants in Abusive Relationships

On January 6, 2006 the President signed the Violence Against Women Act (VAWA) into law. VAWA is a very powerful piece of legislation that has been successful in protecting abused spouses and children. Moreover, VAWA has very definite provisions to protect immigrants in abusive relationships from loosing their status in the United States or getting deported from the United States. This article is to be limited in scope and covers briefly VAWA as it pertains to immigration law only.

Who can use or benefit from VAWA?

Although VAWA stands for Violence Against Women Act, it applies to all spouses including abused men and children. A VAWA petition can be filed in situations where the spouse of the US citizen or Permanent Residence has abused the alien. Abuses do not always have to be physical. Abuse can be mental, psychological, physical, or a combination of all the above. In fact, many abuses are psychological and sometimes leave long lasting scars. For instance, Anita is Married to Ram who is a US citizen. Ram knowing that Anita is alone in the United States and depending on him to obtain a green card takes advantage of Anita. Ram will regularly make insulting comments to Anita. When Anita tries to answer the insult, Ram will be threatening on calling the Immigration Services on her.

Note that Ram never hits Anita or physically abuses Anita. However, Anita is scared and humiliated. She stays in the relationship not only because she fears deportation but also that her family at home will not welcome her back as a divorcee. As time goes by Anita gets bitter and desperate. She feels she has no way out of this relationship especially because she will have to leave the United States if she leaves her husband. Anita gets more and more depressed and feels like committing suicide. This example is quite common in South Asian communities even if it might be an extreme example of psychological abuses. The question is whether Anita can leave her husband, go to a shelter and stay in the US? Well, the short answer is yes provided Anita qualifies for a VAWA self petition.

What are the requirements to qualify for a VAWA petition?

In simple terms there are three requirements to prove that you are eligible for a VAWA petition:

1.You had a bona fide marriage, that is, you entered a marriage in good faith with a United States citizen or permanent resident (green card holder) spouse ;
2.You were in an abusive relationship; and
3.You are a person of good moral character.

You are highly advised to document every of the above and to contact a licensed attorney who practices immigration law and is familiar with such cases. Indeed, preparing a VAWA abused case especially if it does not involve physical abuses can be a daunting task. Note that VAWA petitions can be filed during or before removal proceedings (deportations). Our office has successfully processed many of such cases.

What will happen to a VAWA self petitioner if he/she files such a petition?

Many abused immigrant are afraid to file such petitions because they think that the abusive spouses are going to hurt them by reporting them to the immigration services when they find out. They are wrong because VAWA has very specific provisions to protect the abused spouses and children legally. First VAWA is a highly confidential matter. Any kind of investigation will be done very discreetly. Second, there are special provisions under the Immigration Laws that prevent information from the abusive spouses and their families to be used against the abused immigrant. There are few exceptions to this. In fact, it is an offense punishable by fine if an immigration officer crosses lines drawn by VAWA. Therefore, if you find yourself in a potential VAWA situation you are highly recommended to consult an attorney or an experienced organization which can help you. Remember you do not have stay in abusive relationship!

Removal of Conditional Residence based on abusive relationship

If Anita entered into a marriage obtained a conditional green card and then starts experiencing abuses, she is also eligible to remove this conditional residence based on the abusive relationship. The removal of conditional residence is removed among other ways by filing the form I-751 and selecting that you are removing the conditional residence based on an abusive relationship. In this case, the laws under VAWA will apply.

As we have pointed out earlier this article is limited in scope, there are actually other very important issues involved in a VAWA application. You are recommended to contact an experienced immigration attorney to help you with your application. Should you want more information, feel free to contact our office for a consultation.

Shah Peerally is the managing for the Law Offices of Shah Peerally located in Fremont. www.peerallylaw.com Ph:510 742 5887

Information: Shah Peerally is the managing attorney for the Law Offices of Shah Peerally located in Fremont, California. Prior to his entrance into Immigration law practice, Shah worked in litigation and business law for Mc Nichols Randick ODea & Tooliatos LLP in Pleasanton, California. Later, Shah joined the Law Offices of Virender Goswami as a supervising attorney in business and employment immigration. Shah was also attorney of counsel for the Immigration law offices of Minter and Ahmad in Fremont, California. Fluent in French and Creole, Shah is a passionate and dedicated advocate. He is very active in the Muslim, Middle Eastern, South Asian and African communities. He regularly participates in lectures and free legal clinics. Shah has been personally commended by House Majority Leader Nancy Pelosi and Congresswoman Barbara Lee for assisting in their immigration workshops.

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Weight Loss- Lead a Healthy Life

In todays world, there are millions of people who are facing the problem of obesity. In fact, obesity has become a disease that is taking the lives of many people. It is also leading to many diseases like blood pressure, heart disease, diabetes and other diseases. Obesity affects the motivational level and sometimes distracts fat people from their goals.

So, people who are fats are busy in various kinds of weight loss programs. Anybody who is unhappy with their current size and shape is opting for weight loss programs. The best thing which can work for a fat person is exercise and balance diet. Exercising is the best way to lose weight. The benefits of exercise are immense. With balanced diet and right kind of exercises, you will be able to keep those unwanted pounds off. The most important point you should keep in mind is that diets alone and crash diets in themselves are the worst possible choice if you want to loose diet and keep it off permanently. In fact, there is a huge industry which is selling different kinds of crash diets the most popular among the list are Atkins Diet and South Beach Diet. These crash diets benefit you in the short run but it badly affects your overall health system in the long run.

The first and foremost thing you should do in your weight loss schedule is to change your eating habits. Start eating smaller portions of food or if you want to eat a full plate, eat only 2/3 of a plate instead. Eat your main large meal at midday with the other meals much smaller in content. Dont eat heavy meals late in the evening or the body wont have time to digest it so it ends up stored as fat in your body. Always eat balanced diet comprising of proteins, carbohydrates and vitamins. If you love sugar in Tea or Coffee, substitute aspartame for sugar and make it a point to drink skimmed milk instead of full cream milk. Drink lots of water during the day and before doing and after exercise, you should drink at least 8 big glass of water per 24 hours. Eat more fibres i.e. pulses, grams, nuts, brown rice, cereals and fresh fruits. Eat more vegetable as part of your diet.

Even if you are taking a balanced diet; there is still need to do exercises. It is necessary to warm up your body before exercising and at the end of exercise, you need to cool down. Start by aerobic exercises or by stretching exercises if you are in gym. Aerobics reduces fat and gives you a lean body. Work-out in gyms reduces your weight and also gives you stronger muscles. Do exercise at least thrice a week.

Michael Lucas is the pioneer author and like to share his experience and ideas with others.Finally, to get a fit, weight-loss links and healthy body, chose a well-balanced diet and start exercising regularly.

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