Outside pressures on the typical insurance adjuster

Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank. The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner, or Bureau of Insurance that overseas the antics of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaint Division.

If the adjuster you’ve been dealing with has refused to make any offer at all, has engaged in what you consider to be unethical conduct, or has made what you believe to be a ridiculously low offer, you have cause for a complaint. The mere mention of a complaint to the State Department of Insurance may bring the adjuster around to making a better offer. Adjusters would rather not have to deal with a complaint and they positively don’t want copies of them ending up in their personnel file ! Your complaint to the State Insurance Department will accomplish several things.

First, his boss will now become aware that there’s a claimant who intends to do whatever it takes to obtain some positive settlement dollars. That will often inspire that person to take a closer look at your case and come up with a better offer. Also, if indeed you write to the Consumer Complaints Division, it will evolve into what’s always a costly effort because a complaint with the State Insurance Department will add an additionallayer of work, supervised by an extra contingent of personnel. When it’s realized this will likely come to pass they’ll try harder to get rid of you and settle your claim. The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They're acutely aware of the fact if their personnel file has correspondence flowing into it from claimants they've handled(plus copies of the letters which have been sent to the insurance commissioner) and those will, somewhere down the line, be read by one of his companies executives. In many instances this will be a man who doesn’t want a “Problem” claims employee spluttering, splashing and crashing about his office area causing headaches and extra work within the framework of that particular executive’s command. The adjuster is fully aware that such complaints will keep him, out on the road forever, and will surely prevent him from moving up the corporate ladder. OTHER CRUCIAL ISSUES THAT THE ADJUSTER IS AWARE OF When it comes to the reality of the way things work in the actual, daily, experience of personal injury claim negotiations and settlement, is often vastly different from the stipulations found in the “Formal law”. That is, legal theory, as it’s written and allegedly supposed to work. What this means, simply stated, is: Adjusters can settle a case, whether their decision to do so is based on “The Law”, or not. In the real world of Personal Injury settlements a “Compromise” (one which often has little and often nothing to do with "The Law") is the order of the day. It’s commonly accepted among those is the business (because that’s what makes their work life so much easier) that in any given case there’s almost always a likelihood of negligence on both sides, rather than just one. What this boils down to in practical terms, is this: Irregardless of the law practically no claim is without merit or totally lacking in value - - especially if the “Value” is simply to “get rid of it”. QUESTION: "How does Dan Baldyga know this to be true?" ANSWER: "Because he was an Insurance Adjuster, Supervisor, Manager and then Trial Assistant for over 30 years. He's been there, and observed that." Although it’s never expressed to him “officially” every adjuster quickly learns, should your case go to trail, compromise will usually be the order of the day, even in cases of questionable liability . This fact alone gives him plenty of room to make a compromise settlement before your case ends up in his Defense Attorney’s hands where such a move will usually take place anyways! Why will this come to pass? Because the costs of preparing for(and then proceeding into)a courtroom battle will skyrocket. Being aware of this is always bubbling and boiling in the gray matter between every adjusters ears. If there’s any question whatsoever (regarding who was at fault in the accident you were involved in) don’t ever give up. Keep pounding away! When faced with a determined claimant who’s willing to wait and haggle and refuses to go away, the chances are the adjuster will eventually make an offer. This comes to pass because the adjuster(especially if your claim has some value) doesn’t want it to end up as a complaint at the State Department Of Insurance. Plus he knows you’ll be made, a settlement offer, somewhere down the line, anyway! So, better he settle it now, before the cost of defending it gets blown out of proportion, later. In order to continue to look good (especially to those who watch their progress and the way they handle the outside pressure’s that haunt every one of them)insurance adjusters - - who want to climb their corporate ladder to success - - must be very cagey individuals who must work hard to please those they work for. For you to understand this will most assuredly be to your financial advantage. Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved DISCLAIMER: This insurance claim article, OUTSIDE PRESSURES ON THE TYPICAL INSURANCE ADJUSTER is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever, NOR does he purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL’S RESPONSIBILITY to obtain it. Dan Baldyga’s third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http:// autoaccidentclaims. com. or http:// caraccidentclaims. com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury. Dan Baldyga - Author 19 Winona Drive, West Springfield, MA 01089 Phone: (413) 733-0127 FAX: (413) 731-8358 Mail To: dbpaw@comcast. net AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) Found On The Internet At: http:// caraccidentclaims. com Or: http://autoaccidentclaims. com



Online Outside pressures on the typical insurance adjuster

The controversy around corporate blogging 234

The Controversy Around Corporate Blogging Corporate blogging is a relatively new idea, and the jury is still out on whether it will succeed. This controversial marketing tool may be the beginning of a new kind of advertising strategy, or it may fizzle out in a matter of months. Many companies are looking for ways to capitalize on the blogging trend, and many of these corporations have determined that a great way to ride the blogging wave is to keep a blog on their corporate website. These blogs are often created to appeal to the demographic that the company needs to court, and the content may have quite a lot to do with the activities of the corporation, or it may have very little to do with the company itself. Often, a corporate blog will focus on the kinds of content likely to attract the desired surfers, even if that content is not related to the product or service that the company provides. Some bloggers feel that corporate blogging is a kind of validation for the blogging movement, and shows that this exciting new medium has really infiltrated the mainstream. Other bloggers consider the kind of viral marketing that corporate blogs practice to be unethical or distasteful. In any case, watching the evolution of corporate blogs and whether they survive and proliferate or fail and disappear promises to provide some interesting insight into today's consumers. (Word count 234)



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Increase profits from your existing customers

An area many businesses fail to recognise as a way to increase profits is by utilising their existing customers. Don't view each sale as a "one-off". Look to build a long term relationship with your customers and entice them to keep coming back. In order for that relationship to be cultivated properly, you will need to have some method of keeping in touch with your customers on a regular basis. For this to be possible you will require some personal information about them. How to get your customers details without making them feel pressured. We have all been in a shop where a pushy salesperson has fallen just short of demanding our name, address and telephone number. When you have simply bought a pair of shoes you are bound to feel that this information is unnecessary. The shoes don’t come with a special guarantee and are unlikely to need a 500 mile service, so there is no obvious reason for you to provide your life history. There are two things at fault here.

The first is the amount of information being requested. Most people have an email address and that is sufficient to maintain contact. Even asking for a first name is not necessary as correspondence can be sent to "Dear Customer". DO NOT take any details from the customer's payment card or cheque as this will rightly be viewed as an invasion of privacy and will do much more harm than good. It may even leave you open to legal action.

The second stumbling block is poorly trained staff. Staff should know why they are asking the customer for this information and be able to explain that clearly to the purchaser. A sample sales line could be: - Our Company is sending out a monthly newsletter which includes fashion tips, seasonal offers and "Money-off" coupons for subscribers. All we need from you is your email address. You can unsubscribe at any time you want. Nice and low-key. You have to make it easy for your customers to say "No" without feeling pressured or embarrassed.

Another method to increase profits can be used at the point of sale. As an example, let's say you are selling potted plants. Your customer is at the checkout with their fresh, flourishing houseplant. What else could you offer to sell them in order to compliment this purchase? A book on how to look after house plants, an attractive ceramic pot to display the plant to better effect, plant food to keep the plant healthy? You might even find that the add-ons are of higher value than the original sale.

If you view your customers as more than just a single sale you will begin to attract more custom from the same people that use your business. A simple way to increase profits and reduce advertising costs.



Online Increase profits from your existing customers

Persistence a key ingredient in the recipe for a successful small business

It has been said that success is rarely easy or quick and that it is only the product of consistent effort which is repetitively applied. This is definitely the case for the small-business owner when trying to become successful in the cutthroat world of marketing. Any successful business depends upon marketing your product or services to the general public and convincing them to spend their hard earned money or time. It is only through persistence and never giving up on your dreams can success be achieved. Within this article, you will find several ideas of how you can maintain perseverance and understand that persistence is indeed a key ingredient in the recipe for a successful small business. Finish What You Start Oftentimes people get off to a flying start in their business endeavor, but as time goes by they get side-tracked never finishing what they started. The history of small business is full of great starters but not-so-great finishers. There has never been a great book left half-written, nor a successful business left half-built. The key to finishing what you started is perseverance and commitment. Remember that many people with less talent, less ability and less experience can achieve greater things than those with greater gifts if they commit to the end of what they begin to do. Don’t Fear It, Face It Fear is a terrible thing and when applied to running a small business can end in disastrous results. Most people are afraid of rejection or the thought of failure. Fear of rejection will cause people to accept lives of conformity and mediocrity, while fear of failure will lead people to pass up on life changing opportunities. The small business owner will oftentimes have to take chances and risks in order to survive. It is the ones that face their fears of rejection and failure that survive. Dr Martyn Lloyd-Jones once said, “The men who try to do something and fail are indefinitely better than those who try to do nothing and succeed.” Decide to Be Decisive Everyday we make choices. Most of the time we are not even aware that we are making them. In the world of business, indecisiveness can be fatal. To pursue opportunities for your small business and maximize potential, you have to become decisive. Becoming pro-active in making decisions in the direction of your business and staying the course will be for more successful than waiting for choices to happen and then dealing with the consequences. Never, Never Give Up This is the definition of persistence. As one Japanese proverb teaches us, the eventual winners are those who “fall down seven times, gets up eight.” We aren’t losers until we give up. This is definitely true for the small business owner. Persistence is indeed a key ingredient in the recipe for a successful business. You must stick to your game plan and finish what you start. You must be decisive in what you chose and never fear rejection or failure. And above all, you must never, never give up. One final thought from J. D. Rockefeller, “I do not think there is any quality so essential of any kind as the quality of perseverance. It overcomes almost everything, even nature.”



Online Persistence a key ingredient in the recipe for a successful small business

What every carpet cleaner needs to know about soil

Copyright 2006 The Janitorial Store In order to understand how to clean carpet, we need to know what soil is and the problems it presents. Soil in carpet is any substance that is foreign to the carpet's construction. Soil includes substances such as dirt, sand, food, oil, hair, dust, and anything else that finds its way onto carpet. Carpet not only traps soils that fall onto it, but it also acts as a filter for the environment. Dust, dander, soot, gases and odors are all trapped in carpet. Most soil found in carpet is sand and dirt tracked in by foot traffic. This type of soil is abrasive to the carpet and is what causes the carpet to wear. The gritty matter actually cuts and scratches the fibers of the carpet, resulting in a dull, worn appearance. The rest of the soil found in the carpet is usually grease and oils. This type of soil is acidic, which is why most carpet cleaning chemicals are alkaline cleaners. Alkaline cleaners neutralize the acids in order to remove the grease and oils. Soil and dirt are considered "soluble" whereas oil, grease and solids are considered "insoluble", which means they can't be dissolved in water or solvents. Because soil and dirt are soluble, they are more easily removed with vacuuming and extraction. However it's the insoluble matter that professional carpet cleaners are more concerned about. One of the problems inexperienced carpet cleaners have is leaving residue in carpet. This is one of the main reasons they're often called back to the job -- residue causes rapid re-soiling, prompting phone calls from unhappy customers. What about "apparent" soil? Apparent soil isn't actually soil at all. It's simply the worn appearance of the carpet that makes it seem like it's dirty. Busy hallways often have wear patterns and scratches in the fibers that simply can't be restored with cleaning. When carpet cleaning contractors see carpets with these conditions, it's best to explain it to the customer before work begins so they understand that you won't be able to repair the wear patterns. Following are the steps needed to remove soil from carpet: 1. Remove the dry soil, sand and solids by vacuuming. 2. Suspend the soil. This means separating the soil from the carpet so it can be removed. There are 4 keys to soil suspension: temperature, agitation, chemical action, and time. If one of these four are missing or decreased, then you need to compensate for it by increasing one of the other three. For example, if you don't have enough heated water, then you can compensate with additional agitation. 3. Soil removal (extraction). This is accomplished by rinsing (steam cleaning or hot water extraction method), absorption (spin bonneting), or after-drying (dry powders that are vacuumed up). 4. Rake the carpet so that wand marks or swirl marks are removed. 5. The last step is drying the carpet. This needs to happen as quickly as possible in order to avoid problems such as re-soiling, mildew and odor. The fastest way to dry carpet is with fans or air movers. Understanding soil and what it takes to remove it properly from carpet is the first step to providing carpet cleaning services in your business. And when removed properly, results in satisfied customers.



Online What every carpet cleaner needs to know about soil

Burning bridges is bad but firewalls are good

When you signed up for that ultra-fast DSL or Cable connection there was probably one very important piece of information that your ISP failed to mention. By accessing the Internet via a high-speed connection, you have tremendously increased your chances of being victimized by a computer hacker. Dial-up may not have seemed like it could have held any advantages, but it actually did have one upside. It is much less prone to hacking. Every time you dialed-in your computer was assigned a new IP address. That unique IP address made you a moving target that was more difficult for hackers to hit. With a high-speed connection you are assigned a static IP address (it never changes). So, your computer went from being a moving target to staying still with a bulls-eye pasted on the side. That, coupled with the fact that with a high-speed connection your computer is always online, are ideal conditions for a potential hacker attack. That seemingly beneficial always-on connection gives hackers a 24/7 open invitation to try and hack your system. Once inside they can access personal or financial details, compromise your computer's operating system, or unleash a virus, worm, or spyware. Which Firewall is Right For You? Now that you know how vital a firewall is to the protection of your PC you have to decide which firewall is right for you. Software or hardware. A software firewall is designed to monitor your computers activity at all times. Think of it as a bodyguard who won't let anyone into your computer if he doesn't like the look of them. With a software firewall you may to have to assist in protecting your system. The firewall might alert you to certain activity and ask you if you want to grant or deny permission. It's just like the bodyguard that was mentioned before. He needs the okay before telling someone to scram. After you give either the thumbs up or the thumbs down the firewall will take the appropriate action and remember your reply so that you won't be asked in the future. If you feel comfortable installing and configuring hardware, then you might want to consider a hardware firewall in the form of a Cable/DSL router. The hardware firewall handles everything on its own without any input from you and you also won't have to read any reports or make any decisions. The firewall handles everything on its own. Installation, however, can be tricky, so this option is definitely more suited to the advanced computer user. My Firewall is Installed. Now I'm Safe, Right? With your new firewall in place you are probably thinking that your computer is impenetrable, right? Well, maybe not. As important to the security of your system as a firewall is, some do have their limits. Most software firewalls won't scan your system for viruses that can harm your computer and there aren't any hardware firewalls on the market that offer virus protection. That means that you are still vulnerable to attack. The best line of defense against viruses that can harm your system is anti-virus protection. You can either buy a seperate anti-virus program or shop around for a software firewall with anti-virus protection built-in. You may never be able to make your computer 100% hacker-proof, but the installation of a firewall coupled with anti-virus protection will greatly reduce your chances of becoming a hacker's next victim.



Online Burning bridges is bad but firewalls are good

For web design and development businesses exceptional customer service is the name of the game

If you as a small business owner have a web site and need to deal on a regular basis with a web hosting provider, web development company or a web site design vendor, you may have experienced less than stellar customer service. During the last week, I have engaged in 5 very long detailed conversations about the poor customer service being delivered by web developers and web site hosting companies. All of these conversations shared exactly the same complaints and what’s even more interesting in the exact same order. Complaint #1: Poor communication Communication continues to be an even greater challenge when technology enters this process. Emails lay unanswered or ignored while customer dissatisfaction grows. With business competition even more intense, small business companies that wish to grow cannot ignore this issue. Complaint #2: Poor response rate A timely response builds customer loyalty which should be the ultimate goal of every small business web design or web hosting provider. Through the click of a mouse, the old adage of customer satisfaction being everything has definitely changed. Complaint #3: Abdication of any responsibility or “It’s not my job, man!” With reduced budgets and the 20th century belief system that money spent on employees was an expenditure and a loss on the bottom line instead of an investment and a growth to the bottom line, many employees lack the skill sets to accept responsibility and help your customers achieve satisfaction. Many involved in web sites utilize independent contractors to interns. Ensuring that these employees have the skill sets to respond proactively to customer service inquiries will increase business. Complaint #4: Lack of understanding as to the customer’s needs This complaint stems from the top levels of management where the strategic plan (Who does what by when) including clear articulated core values has not been developed nor communicated. (See complaint number one.) Within this plan, the customers’ needs should be clearly identified so that marketing and sales strategies are in alignment. Employees need to be developed beyond the basic training and development so that they have the interpersonal skills to effectively work with the clients’ needs. Complaint #5: They promised me the “moon” and all I got was the “pits.” With referrals being the strongest source for new sales, businesses lose incredible opportunities to build referrals when they make false promises. Learning to say no may in the short-term result in decreased sales, but in the long term will create sales through referrals. If you are an Internet vendor such as a web hosting site or web developer and you wish to quickly double your business, possibly the quickest way is to make sure that you address these five complaints. By taking such directed action, you will be the lone brightly shining star in your niche market and word will quickly spread about your excellent customer service. Word Count: 474 Copyright 2005(c) Leanne Hoagland-Smith, processspecialist. com This article may be freely published. Permission to publish this article, electronically or in print, as long as the bylines are included, with a live link, and the article is not changed in any way (grammatical corrections accepted).



Online For web design and development businesses exceptional customer service is the name of the game

Introducing shareware download and enjoy

If you trust entirely product descriptions and users’ comments you can buy software assuming the risk of disappointment, because not every truth might be expressed in words, although words are able to express everything! Words jongleurs know that “like a veil before my eyes” sounds very romantic but not applicable when talking about investments. Sadly but truly: there is information which seeks to misinform! This is why even regarding the most unimportant issues you should keep your right to be posted. Now we are talking! One of the most equitable ways to respect you time, money and well feeling is the solution offered by the shareware concept. Thus, before buying a software product, you are given the chance to try it, to test its usefulness and to evaluate its full powers. You have enough time to acknowledge every feature of the software program you are ready to acquire. How does it work? Simple!

First you download it from an internet site that allows shareware solutions, and then you use it for your pleasure. Don’t be shy, you’ll have to pay for it only if you get addicted and want to keep it forever! Practice vs. theory The best surprise attending your research is that theoretical description proves its value in practice. On the other hand, even the most detailed prospect is not able to give you a full picture of how a program works. Before giving money, you should know if you really need it and it fits all your requirements. Actually, shareware is an ethical solution for both vendor and buyer; the buyer is not constrained to believe product’s presentation. What he gets is the software program instead of its brilliant description and even more: he can try out all the different products of a certain kind and find which one he likes best. The vendor enjoys the direct contact with users and opportunities to develop continuously his ideas, projects and plans considering customers feedback (shareware makes the feedback control simple). No tricks, no cheating! If you consider buying a software product, you should test it first. Thus, it is in your computer, in your own system, ready to be used and explored as long as the testing period lasts: means long enough to get aware of its entire scale of features. It speaks for itself, and there is no better way to convince you that it works. It is completely functional with all available features included within the download. Interested in software products? At CoreDownload. com you are free to test them out before you buy and if you decide that you would like to keep them beyond the 30 day trial period, you can order or "register" the program on our web site. After ordering you will receive a registration code that you can type into your trial version to turn it into the full version. You can see now, the expression that describes best shareware phenomenon is “nothing to lose, lots to acquire!”



Online Introducing shareware download and enjoy

Four easy ways to prevent spyware

How would you like to prevent spyware and adware from getting into your computer? You need to stop adware and spyware before it gets into your files. That way you're protecting your private information such as passwords, credit card numbers and other documents that you don't want to share with anyone. Spyware and adware removers are important because they clean your computer of malicious files. But the best thing you can do is prevent spyware from ever being installed in the first place. Here are four ways to help prevent spyware and adware from getting into your computer. Keep Your Windows Software Updated One of the best ways to prevent spyware and adware from getting into your computer is to keep your Windows operating system software updated. Microsoft Windows update addresses security fixes that are constantly updating so your computer won't be vulnerable. Windows update is a free download from Microsoft at: http://update. microsoft. com/windowsupdate/v6/default. aspx? ln=en-us Use Computer Firewall Protection One of the most effective ways to stop spyware and adware is the use of computer firewall protection. Computer firewalls put up barriers to keep any malicious programs from being downloaded without your knowledge when you are on the Internet. Computer firewall protection monitors everything going in and out of your computer. This acts as a protective shield allowing good data through while blocking the bad data from entering your computer. Most people don't realize that if you use Windows XP it comes with a firewall that you can turn on or off. Microsoft's site explains the step by step process to enable or disable Windows XP Firewall with a tutorial at: http://support. microsoft. com/default. aspx? scid=kb;en-us;283673 Be Careful What You Download Another good way to prevent spyware and adware from getting in your computer is being careful what you download from the Internet. There are a few types of software that are particularly notorious for including spyware and adware. File-sharing programs used to trade music, free games, screen savers, and even smiley face packages have been a problem because many of them contain adware. Be aware of any product that claims to be free because it is likely to contain spyware and adware. Many free programs usually generate revenue from pop up ads or can even hijack your browser to take you to web sites you did not request. Here's another tip to prevent spyware from being downloaded without your knowledge. When you close a window on the Internet never click on a box that says "agree" or "OK." Instead, click on the "x" located in the upper right corner of the window. Some programs trick you into agreeing to download software that you have never seen when you click on these. Install Spyware Protection Software Spyware protection software is the easiest way to automatically remove and prevent spyware from infecting your computer. You may wonder why you would need to purchase spyware protection software if there are free spyware cleaners. Free spyware cleaners are good programs to get rid of spyware viruses you already have on your computer now. But many spyware programs automatically reinstall themselves even after they are removed. For this reason free spyware cleaners are not a permanent solution to solve spyware and adware problems. Spyware protection software is designed to find all hidden programs and disable them before they have a chance to work. It's important that you get this software installed immediately on your computer. Once you remove spyware and adware programs from your computer you'll find it will run faster and your personal information will be much safer. These tips should give you some insight on how to stop spyware and adware in its tracks. Your security and peace of mind is worth spending a little time to prevent spyware and adware from getting into your computer and taking over. Copyright © 2005 - Spyware-Information. com - All Rights Reserved.



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Dish network hd programming

Now is the time to make the move to HD (High Definition) television programming, and the number one destination for the most HD programming is Dish Network Satellite TV. Once you have seen TV the way it was meant to be, and heard the crisp, all-digital CD quality sound-you can never go back. The astonishing sharpness, clarity and deep rich colors of HD must seen to be appreciated. No one has more High Definition content than Dish Network! There are movies galore, big sports events, news and so much more with Dishnetwork's latest HD lineup. Dish Network brings the most High Definition channels including ESPN sports around the clock, and fantastically clear hit movies and original series from Showtime and HBO. There are other great sporting events such as Baseball, NASCAR, College sports and NCAA tournaments. Dish Network has over six channels devoted to the biggest and best movies ever made! The award winning movies are broadcast 24 hours a day and include cinema from all over the world. Dish Network has a High Def channel of breaking news content from all over the world.

Right now, free professional installation is available, for a limited time only. Only Dish Network could bring an astounding 1700 hours a week of High Definition programming. Local channels are now available in many areas, and more markets are added on a constant basis. See the future of television now-High Definition with Dish Network. Act now to receive this fantastic offer from Dishnetwork.

Some of the channels on Dish Network's amazing lineup are: HDNet, has live sporting events, travel show, documentaries and news programs. HDNet Movies channel has some of the best movies ever made, including classics and blockbusters from the biggest studios, including Paramount, Sony, Warner Bros, Universal and MGM. Here, subscribers can see many movies that are making their first appearance in the High Definition format. A big favorite is Discovery HD theater, which features fascinating shows on animals in their natural settings, the outdoors, nature, technology, and science programs. TNT network is available in High Def. See old favorites, such as the X-Files and Law and Order, along with some great original programming.

Another popular channel is ULTRA HD, that offers the latest from the world of fashion with the hot new trends, reports and the latest in style from around the globe. See scary and fun monster movies 24 - hours a day on MONSTERS HD. From the classics such as Godzilla and Frankenstein, to current sci-fi hits, this channel will rock the house in a monstrous way. Don't miss the Rave channel, which is devoted to larger than life music all of the time, and animation fans will love the ANIMANIA HD channel with non-stop cartoons such as Pink Panther and Felix the Cat along with the cutting edge content of Ratz and Flatmania! The new world of High Definition Programming is on Dish Network now. High Definition Television with Dishnetwork Satellite TV is changing the way America views television. There are four different packages to choose from: Dish HD Bronze, Silver, Gold and Platinum. Click to get started today, living the Dish Network High-Definition lifestyle!



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Is credit card apr all that counts

Not all credit cards are born equal. Different cards have different offers, features, and charges, and choosing a card is not as simple as going for the one with the lowest advertised rate. Various types of card are suitable for different types of use, and choosing the right card for you depends on how you plan to use it as well as how low the rate is, or how attractive the introductory offer. If you intend to use the card mainly as a convenient way of spending and usually clear your balance every month, then the headline interest rate doesn't really matter to you, as you shouldn't be paying any interest at all. Instead, make sure the card you're planning to apply for has a long 'grace period' on interest charges, giving you chance to pay your statement before any interest is applied. Interest free periods should be at least 30 days and are more usually in the 50-60 day range. This kind of card user can also benefit from a cashback or rewards scheme if the card is regularly used for purchases, and so long as you avoid carrying a balance over you can actually turn a profit from your credit card account. If, however, you use the card as a kind of short term borrowing, regularly paying off larger purchases over a few months, then a low interest rate is attractive. A cashback feature might seem attractive if you're making larger purchases, but it's rare that a card's cashback rate will be anything like high enough to compensate for a higher interest rate.

If you want to finance a single large purchase and repay it over a year or so, then look for a card with an introductory 0% deal on purchases that lasts long enough to clear your balance before interest kicks in. Introductory deals of up to 12 months are now common. Many people use a credit card's balance transfer feature to fund longer term borrowing. If this applies to you, then you have a choice between a 0% introductory deal or a long-term low rate. If you can see yourself paying off your transfer in the near future, then a 0% deal with a long introductory period is probably the best way to go. If, however, you'll be repaying your balance over a longer period, then a low balance transfer rate that is fixed for the life of the balance can be a good deal. Many such cards feature a rate much lower than other forms of unsecured finance such as personal loans, and you don't have to worry about finding a new 0% card when the introductory deal ends. Most people use their card in a mixture of ways, and this is where choosing a card is more complicated. A low balance transfer rate might mean having to pay a high rate on purchases, or a card with a low standard rate might charge higher rates for cash withdrawals. Fortunately, there's a new kind of card that is becoming more widely available, which charges a simple flat rate for all use, whether balance transfers, purchases, or even cash withdrawals. These cards often feature an attractively low rate, as there are no fancy introductory offers or reward schemes to pay for, and so they can make a very good option for the average card user.



Online Is credit card apr all that counts

College dating

Hello everyone! College dating seems to be very important in the span of someone's life, whether it be the list of people they hooked up with or the person they married. I know more friends who coupled up and stayed coupled while meeting in college. I just graduated from Bentley College near Boston, MA and I realize the potential for success by finding your true love in College. My story begins as a sophomore in college. I'm living in a suite room with 7 other guys, I know it sounds like a lot, but actually it was quite spacious and a ton of fun. One weekend I was invited to go out for Thai food downtown Boston, interesting enough the restaurant burned down two weeks later. We piled in my friend's SUV with a bunch of other friends.

This one girl in the back seat I never met before. Anyway by the nights end I was comfortable to be myself around her, and somehow ended up making her pee her pants, while I made a complete fool of myself. So that is where it all began. Almost 3 years later we are still together, and getting together with different groups of friends produced several other 'couple friends' we hang out with today. My point is that now that I am out of college, I see that these large get together of friends only happens in college.

Now that I am out of college most of the time I get together with friends never includes different groups. It seems that on Friday night we hang out with one group while on Saturday we go hang out with completely different people, without any opportunity for chance meetings of two people. So far I know several older people than myself who have yet to find someone after all these years simply because they didn't take the opportunity in college to find someone special. I read somewhere that if a girl is not married by age 30 the chance of her getting married decreases tremendously. It almost seems like your success after college depends upon these bonds and relationships you form while inside the confines of your campus... what do you think?



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Secret signal that tells you your dog is ready and eager to learn

No one knows your dog better than you, and as such you will find your dog has ways of telling you, it’s time to play. This can occur by him bringing you the collar you use while training or he may run back and forth to the front dog around training time. Different times of the day and evening, We find it’s best to Practice commands at different times of the day and evening as your dog gets better and more adapt at learning. The best way to motivate your dog to learn Your dog LOVES to please you, as such when your dog does what you want him to do praise him HEAVILY and use high tones a lot of rubbing and food reward. This will ensure that your dog will look forward to learning Different body positions while issuing command Does your dog really fully understand a given command? Try giving the command when you're in a different position than usual. For instance, if you are sure your dog understands the command "Stand", try issuing the "Stand" command (from a sit or down): While you're lying down on the floor, stomach side down. While you're on the sixth rung of a ladder. While you're one flight above or below your dog, each of you located at the opposite ends of a staircase. Different levels of volumes and different tones of voice Try issuing commands to your dog in several different volumes (whisper, quiet, moderate and loud) and different tones of voice (squeaky, in a low voice, grumbly, singing, etc.). Disappearing after issuing command Give a command your dog knows well, and then go out of sight for 3 minutes. Does your dog remain in position until you return and release him or her? What 3 Things you should never do when training your dog 1)Never correct the dog by hitting, never use the same command to mean 2 different things never train the dog when you are in a bad mood or not feeling well Who do dogs mind better, men or women? Dogs do not have a preference they love their masters equally if male or female what they do respect however is consistency in commanding. It keeps them from getting confused. Disappearing before issuing command First, try standing behind your dog, facing away from him, when giving a command. Use a mirror when possible to watch your dog. Then give your dog a "Sit-Stay" command, and then go out of site for 1 minute (i. e.: into the next room where your dog can't see you). Then, while still out of your dog's sight (but within hearing distance), issue a command for your dog to "Down”. The one mistake you mustn’t make Never ever hit your dog. What every dog must have when left at home alone Plenty of water Food His toys.



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Organize your finances and save your money

Organize your Finances and Save Your Money You carefully plan how to spend your money. But you may have never organized a plan on how to best save your hard-earned money. Shopping the sales, cut corners, conserve energy, and clip coupons are all positive steps in the right direction, but with some careful planning and organized thought, you can make your dollar stretch even further. First of all, pay yourself first. Bill yourself if you have to as a way to keep track. You can even have a portion of your check directly deposited into your savings account so you'll never even miss it. Put part of it into savings for shorter term goals and some into a retirement plan. Compare interest rates at different financial institutions to get the most bang for your saved buck. Pay close attention to where your money is going. Develop a spreadsheet or other method so you can visibly track where your money is going each month. You probably easily remember the bigger bills like the mortgage or the car payment, but it's easy to lose track of the incidental spending you do. You'd probably be surprised how much you spend each month on movies, eating out, video rentals and a little spending money for the kids. This will help you find ways of saving a few dollars here and there, which can quickly add up to a significant savings each month. Set a realistic budget and stick to it. Once you've paid close attention to where your money is going, it will be easy to find where to cut corners and adjust your budget accordingly. With some commitment and a few lifestyle adjustments, it's really quite simple to live within the parameters of a well-planned budget. Look for fun, inexpensive ways to entertain your family. You can usually borrow videos from your local library at little or no cost, and outdoor activities not only promote family togetherness but the fresh air and exercise are good for all involved.



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Russian cuisine

Let them eat cake. So said Marie Antoinette, Queen of France, upon being told that the peasants were rioting in the streets because they had no bread. It has been cited for over two centuries as an indictment of the arrogance of the aristocracy – but in reality, the young queen may simply not have understood why, lacking bread, a person would not turn to cake. Such was the separation between the tables of the privileged and those of the poor. Nowhere was that separation so evident, though, than it was in Russia of the last century.

While the wealthy dined on caviar, pheasants, creamed chicken and ice cream, the peasants developed their own cuisine that is unequalled for its versatility and variety in the face of the resources at hand. When Russian cuisine first moved beyond its own borders, it was the dishes of the royal table that defined the food of the nation. But it is the so-called peasant cuisine that is the true heart of the nation. There is no other nation or region in the world that makes so much of soup. Russian regional cuisine features at least seven broad categories of soups, based on ingredients and regions. From thin vegetable broths flavored with herbs, to thick, hearty stews rich with meat and vegetables, soup is a mainstay of Russian cuisine.

In many homes, a pot of shchi stood on the back burner of the stove, simmering throughout the day. Although it is technically ‘cabbage soup’, the method of cooking gives shchi a flavor that is indescribable, but unmistakable. In poorer households, shchi might have no ingredients other than cabbage and onions, simmered on the stove and then placed in the oven to ‘draw’ the flavors. A more fortunate household might add anything from beans to sausage to fish to vegetables, to make a savory, soured soup that sticks to the ribs and wakes the taste buds. Bread is another staple of Russian regional cuisine, and there’s nothing in the world to compare to Russian black rye bread.

Heavy and meaty, with a characteristic ‘sour’ taste, Russian rye bread is nearly hearty enough to be a meal in and of itself. It’s the perfect bread to offset salted meats, pickled cabbage and sauerkraut. Toasted and slathered with butter, it’s the perfect breakfast to start a day off well, and dipped in soup, it adds texture and flavor to anything from the thinnest broth to the thick, hearty stews of the northern steppes. It’s impossible to speak of Russian cuisine without mention of borscht. Another soup, this one based on red beets, it is served in many ways throughout Russia. In the Ukraine, for instance, borscht often is made with tomatoes, and has pork and sausage added as well as beef. In Kiev, borscht is often served with sour cream and a sprinkling of caraway seeds. Each region has its own version, and each is fiercely proud and protective of it. Russian cuisine, like Chinese and US and European regional cuisine, is in reality a cornucopia of styles and recipes, with a dish in Chechnya bearing little resemblance to the same dish in Leningrad. It is wonderful, varied and hearty fare – fit for more than the tables of kings. It is fit for the tables of the people.



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Lifestyle changes for those with crohn s disease

Life can be made considerably more complicated with the onset of Crohn’s Disease; however, with certain lifestyle changes, it can be managed to decrease day to day stress due to the disorder. Although diet does not cause or cure the disease, it has been proven that certain foods may increase symptoms of Crohn’s, while others will decrease negative effects. There are several diets on the market; however, an individual approach will be more beneficial. Utilizing an elimination diet, in which certain foods are removed from your diet for a period of time and then reintroduced, will let you know which, if any, foods are contributing to the negative symptoms. With medication and/or surgery, Crohn’s Disease can be controlled rather effectively. However, certain things should be enacted into your routine to ensure as little disruption as possible. For example, always knowing where the bathrooms are located in the area you are in is a good rule of thumb. When you are out and about, an accident is the last thing you want to happen. While you should not necessarily avoid new places, becoming familiar with them very quickly may be essential to prevent against uncomfortable situations.

Also, carrying extra clothes with you may be a good idea, just in case. An effective coping mechanism is to not face this disease alone – it helps to have a friend, family member, or even professional you can discuss your feelings with. It is not a good idea to keep things bottled up, get angry or resentful because this has taken place. While emotions do not cause Crohn’s Disease, they have been known to worsen symptoms; therefore the better your attitude, the better you will feel physically. You must also become accustom to taking medications, which may not have been necessary before. If this is the route your doctor wants to take, which most do, you have to be disciplined enough to abide by the schedule and regulations laid out to you. Likewise, if surgery has become necessary, major lifestyle changes may be on the horizon. If a colostomy bag is necessary, you may feel embarrassed or disturbed at your newly required attachment. Try to look on the brighter side of things; while your health may be less than perfect, it could always be worse. Probably the most difficult lifestyle change when dealing with Crohn’s Disease is trying to stay positive when faced with adversity. However, you will be better off in the long run if you do not allow yourself to become a victim of the disease.



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The connection between spiritual health and well being

Emotional health is as important as being physically fit and having a sound mind. Our emotional, physical, and mental health are connected with each other that each one affects the health of the other. However, there is another factor that can contribute to a healthy well-being: Spiritual health. Being spiritual is not just being religious. It is being in touch with the spirit within you. It is finding meaning, hope, comfort, and inner peace in your life. Most people find spirituality through religion. Others find it through music, art or, a connection with nature. Still, others find it in their values and principles. Spiritual activities such as prayer and meditation foster positive beliefs and comfort which bring healing and a sense of well-being. It may not necessarily cure the illness, but it can help you feel better, prevent some health problems, and help you cope with illness or death.

Whenever life becomes a bore or seems meaningless, or when emotional hurts and pains become overwhelming, we tend to be confused or anxious. We feel dead in our spirits. But those who are spiritually nourished are strongly anchored in their faith and hope. For Christians, boredom is a word that can never be used to describe a person who walks in the love of God. Firm believers have no room for anxiety and depression in their lives. The Christian faith surrenders all their worries and cares to a God who is almighty.

Most people usually associate manifestations of anxiety with a panic attack. This is about senselessly talking and worrying about the various details of our daily life or about sudden, unexpected situations. Stuff that makes your stomach go into knots and gives you a headache and a pain in the back of your neck. In trying to improve your spiritual health, always remember that every individual is different. What works for you may not work for others. Do what is comfortable for you. Try to identify the things in your life that give you a sense of inner peace, comfort, strength, love, and connection. Set aside a specific time every day to do the things that help you spiritually. These may include doing community service or volunteer work, praying, meditating, singing devotional songs, reading inspirational books, taking nature walks, having quiet time for thinking, doing yoga, playing a sport or attending religious services. It is important to some doctors who are treating you for an illness to know how your spirituality might be affecting your feelings and thoughts about your medical situation.

Do not hesitate to tell your doctor if you think your spiritual beliefs are affecting your health care decisions or your ability to follow your doctor's recommendations. A spiritual assessment as part of a medical encounter is a practical first step in incorporating consideration of a patient's spirituality into medical practice. The relationship between spirituality and medicine has been the focus of considerable interest in recent years. If there are spiritual beliefs, worries or concerns that are causing you stress, talk with your doctor or seek counseling from someone who can help you with these issues.



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Causes of back pain and how to prevent it

Back pain is so common in America that 75% of the population will experience it in their lifetimes. Since back pain affects middle age people it has a huge affect on the economy. Studies have shown that low pack pain is a leading cause of work absentees. Back pain being the substantial problem that it is, it is important to know the causes of back pain as well as how to prevent it. Causes of Back Pain Muscle Strain The leading cause of back pain is due to a simple muscle strain. At some point an individual may have an event that causes their muscle to spasm. These strains will relax in a matter of weeks. Ruptured Disc A ruptured disc, or herniated disc, is another cause of back pain. Treatment may vary depending on many factors. Consult your physician for proper treatment. Discogenic Back Pain This type of back pain may be a leading cause of low back pain. This type of pain is the result of damage to the intervertabral disc. Arthritis Arthritis is a disease that affects joints in the fingers, wrists, and knees. Lumbar spine arthritis can affect the joints within the spine itself. Arthritis would cause you to have pain when you were moving. There are many other factors that determine a person’s probability of having back pain. Age, weight, and past injuries are all factors that can cause lower back pain. Let’s take a look into ways to prevent future back pain. Ways to Prevent Back Pain Live a Healthy Lifestyle One of the best things you can do to prevent lower back pain is to maintain a healthy weight. Being overweight puts enormous pressure on your lower back. Maintaining a healthy core, or abdominal muscles, will help you support your back by providing proper posture. Exercise You hear exercise as being the answer to preventing just about every medical condition on record. So much so, we tend to ignore it. Living an active lifestyle will increase muscle tone, decrease fat, and reduce levels of stress. Each of the factors plays a role in back pain. Muscle tone keeps your body strong and able function at optimal levels. Fat has a tendency to gather around the waist and hips. This puts undo strain on your lower back. Overall stress decreases the ability for the body to heal itself when it is injured. Lift Properly When you lift, lift with your knees. Try to keep your back straight and force the weight through your legs and knees. Generally, your legs are the most muscular part of your body. These muscles are much more capable of handling stress and weight than your back muscles.



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Choosing the right air conditioner for your home

During the hot summer afternoons and warm muggy nights, an air conditioner can help to keep us cool and improve our ability to deal with extreme heat. Just as a heating unit provides a customized temperature, an air conditioner can be controlled to maintain a comfortable temperature of our choosing. If you have a small home or find that one room is particularly hot, then a single room air conditioner may be the answer for you. These units are portable, meaning they can be moved from one room to another and are much less expensive than a large air conditioner that heats an entire home. If you have a large home or simply do not wish to purchase multiple single room air conditioner units, then a larger model will be ideal for cooling every room in the house. Large air conditioner units usually begin at $2,000.00 and go up, depending on the manufacturer or company that you purchase from. These units require professional installation, which is usually done by the company who sells air conditioner units. Upon delivery, they will install the air conditioner and provide the customer with any warranty information that accompanies the unit. As with most large purchases, including home appliances and accessories, a warranty is provided by the manufacturer.

This is typically only available on brand new models and will cover certain repairs or replacements at not cost to the buyer. For example, if a defect relating to materials or workmanship is discovered during the warranty period, the air conditioner will be repaired free of charge. Most warranties do not cover improper care or negligence that results in damage or the products inability to function. If a customer chooses to handle the installation themselves, they will need to be familiar with the process. Otherwise, they may end up calling a technician later and spending more than if they allowed the retailer to install their air conditioner initially. Once an air conditioner is properly installed, a temperature box will be placed inside the home that will allow residents to adjust the temperature inside. Even on the warmest day, an air conditioner can make your home a comfortable haven away from the heat and humidity that often accompanies the summer months.

Extreme heat can result in headaches, profuse sweating, dehydration and even more serious complications for the elderly or those with weakened immune systems. An air conditioner can help to ease the discomfort of heat while reducing the danger associated with over exposure to extreme temperatures.



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The durability of standing seam metal roofing

The job of your roof. The roof is the one part of the house that takes the most damage when protecting us from the elements. It has to cope with extreme conditions ranging from wintry ice to summer sun and often it can face both extremes at the same time. Many substances simply can not withstand this diverse a range of abuse meaning it is very important to select strong roofing made from a durable and resistant material that will withstand just about anything. Advances in technology have seen various new forms of roofing as well as advances in old techniques and reduces in cost, so the options available when selecting good roofing are wide. Maintenance of your roof.

For all of the work that a roof does you would expect that it would be a part of housing and home maintenance that people took very seriously, but unfortunately it is a factor that is often overlooked until the worst happens. Many people do not maintain their roof or even have it checked on a regular basis but prevention is a much better option than cure. By having regular checks on your roof you can prevent costly repairs when things go wrong. Traditional roofing material compared to standing seam metal roofing. Asphalt and modified bitumen have previously been the most common choice when it comes to selecting a material for your roof, however in more recent years standing seam metal roofing has increased in popularity as it has decreased in cost and it’s durability, protection and flexibility have increased. Standing seam metal roofing has much to offer; it is fire resistant, weather resistant, can be easily formed to fit your roof and has become even easier to install.

In fact, standing seam metal roofing meets the very highest of standards when it comes to fire resistance and wind and hail resistance. The life of your standing seam metal roofing. Standing seam metal roofing is very unlikely to rot, mould, split or crack. For this reason a standing seam metal roofing system means you can enjoy a long life from your roof with comparably low maintenance costs. It is also usually created from recycled products and is fully recyclable itself so it is a sustainable choice for the ecologically minded amongst you. The options are virtually limitless if you decide on standing seam metal roofing, and not least because of the numerous metals that are on offer. Copper, aluminum, galvanized or stainless steel and a range of other metals are commonly used and each has their own look, feel and uses. Standing seam metal roofing – the environmental roof.

Standing seam metal roofing offers a life of 50 years or more making it much longer lasting than other traditional methods employed in many houses. It is usually made up of 50% recycled material and 100% of your standing seam metal roofing will be recycled in the event that it does eventually need replacing. Conversely, asphalt requires a huge amount of oil every year to create shingles that last an average of 15 years. At the end of their life they are then disposed of in landfill sites wasting yet more of the world’s resources. Standing seam metal roofing also means you will use less energy, conserving yet more resources and lowering your summer energy bills. Standing seam metal roofing reflects approximately 70% of the sun’s rays meaning you will spend a lot less keeping your air conditioning unit running.



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