Why Should You Get Home and Car Insurance From One Insurer?

Do you like two-for-one deals? Most of us do, whether we’re shopping for food, clothes or something else. Who doesn’t like saving money, right? Well, if you’re already insured for your home, car insurance could be from the same insurer. In today’s world of high competition and tight budgets, many of us are looking for more value in our purchases. One way to get it is by getting more than one type of insurance from the same insurer.

If you already have home insurance, then the first quote you should get for auto insurance is from your home insurance provider. A simple law of business is that it’s much tougher to get new customers, than to get repeat customers. What that means is that your current home insurance provider may have some bundles for home, car insurance, and other types. The bottom line is that you can save a small fortune with these packages. In general, getting multiple insurance policies from a single insurer can provide substantial savings.

Does this mean that you can always find the best deal through your home insurance company? In short, the answer is: no. While that’s where you should get your first quote, there’s no guarantee that it will be the lowest one.

Although there’s no written rule, you should get a bare minimum of three quotes before choosing a policy. What’s the reason? First, you’ll have more quotes to compare, which will help you to find a policy that’s a perfect fit for you. Also, you’ll be more likely to find a rock-bottom quote. So basically the rule “the more, the merrier” applies when searching for car insurance.

If you already have coverage for your home, car insurance could come from the same insurer. This will increase the likelihood of finding the best deal around, and decrease your chance of paying too much!

Is It Possible To Have Small Business And Homeowners Insurance Policies Together?

In today’s society, the need for insurance is never far from us. Even with so much unemployment, the current need for healthcare insurance has reached national proportions, and is under much debate because of government responses. But it does not stop there. The high unemployment rates have fostered a spirit of entrepreneurship that has not been seen in decades, and many of them are being run out of shoestring budgets and home basements. With this kind of monetary limitations, will the need for small business and homeowners insurance policies be the next topic up for national debate?

The Differences Between Small Business And Homeowners Insurance Plans

When you originally got your homeowners and renters insurance policy, you were seeking to insure the environs of your living space, as well as the contents of that space. Furniture, electronics, mementos, all of these are physical objects that have an intrinsic value to you and your family. This is the spirit behind homeowners and renters insurance policies, to replace what is destroyed as best can, for a monetary amount. A business and homeowners insurance plans could not be more different.

Small business insurance policies are nothing like other kinds of insurance policies. The nature of owning and running a business carries with it a different level of risk to an insurance company than owning a home or car, and there are quite a few variables involved that can easily raise or lower that risk on a daily basis. The fact that a small business is defined as one employing from one to under five hundred people does not help matters, as the one who is actually responsible for any risk is two: the owner, and his insurance company. This makes the nature of any created business and homeowners insurance policy hard to explain.

Small Businesses Today

With today’s economy the way that it is, it is estimated that those who have chosen to start a small business for self-employment do so out of their homes. Many may not have told their insurance companies this, and are taking a far greater risk than they realize by not doing so. While the monetary risks that a small business can incur, like personal injury lawsuits or product liability lawsuits, will not be covered under a homeowners policy, the insurance company needs to know so they can reassess the risk of further insuring the property.

One option that is open as far as insurance is concerned is to create your own version of a business and homeowners insurance policy by adding a small business liability insurance rider to your current homeowners insurance policy. This is essential if you will be running your business out of your home, as it separates legally what any claimants for liability against your business will have access to financially. With this rider attached to a small business and homeowners insurance policy, claimants cannot touch any assets not directly belonging to the business, like the owner’s home, for example.

Health, Life, Home, and Car Insurance for Government Employees: Benefits and Perks

Government employees get many benefits that are not open to the public. For those who work in a government job cheaper insurance is one of the perks. All inclusive policies for health, life, home and car insurance for government employees are available at cheaper rates. If you are a government employee there are many options for obtaining this group coverage. Consider the following options and ways to find cheap health, life, home, and car insurance for government employees.

Online Insurance Quotes

You can search online for cheap health, life, home, and car insurance for government employees. The search is easy. Simply go to an insurance comparison site and enter your zip code. This will allow you to narrow the search to companies that service your local area.

Next, enter your personal information and include your affiliation with the government to get a discount. The companies will either provide instant quotes you can compare or they will call you to discuss your options.

Getting the Best Deal

The key to getting the best deal is shopping around. Don’t settle for the first quote you find. Keep searching and comparing rates. Spend at least a few days vigorously searching for the best deals. Look up local agents online and give them a call if they don’t offer online quotes.

Once you have the list narrowed down you should call the company to ensure your discount is honored. You can also ask if you get a discount for paying in full up front.

Umbrella Coverage for Cheaper Rates

If you really want to save money you should include all of your coverage in one policy or with one company. Buying health, life, home and car insurance for government employees is much cheaper when your quotes are bundled. Many insurance companies will actually give you a discount for combining your policies. This means they get extra business and they have to end out less paperwork. They can send you one statement and save on the rest. Therefore, many companies pass on the savings to the customer.

Pay Up Front for a Discount

One way to get a great discount is to pay for the entire policy up front. If you pay annually or every six months you will get cheaper rates than if you pay monthly. While this can be expensive you can save a great deal of money over the years. Most companies even charge you a processing fee for charging your credit card each month. This fee is over five dollars with some companies. Over one year that is $60. When you add that to your savings you will be happy you paid up front.

As you can see there are several things to consider when purchasing life, health, home, and car insurance for government employees. Shop around to compare costs and then pay for your coverage up front for the steep discount. In addition, make sure you combine all of your coverage to get the best rate.

Home Owner and Car Insurance Quote

In the market for both a home owner insurance quote and a car insurance quote? Consider getting both quotes from the same insurance company.

You’ll most likely have the same agent. Getting the same insurance agent for your home owner insurance policy and your car insurance policy means you’ll only have to do direct business with one person. Plus, this person will know everything about both your home owner insurance policy and your car insurance policy. For example, if you have a question about your car insurance policy, or you call to make additions or subtractions to your home owner insurance policy, your insurance agent will be able to remind you that it’s also time to renew the other policy.

You’ll be familiar with the company. Being familiar with an insurance company, the way in which they do business, their policies, and their procedures is more beneficial than you realize. There are usually no surprises when you’re familiar with the insurance company. Some insurance companies even offer discounts to policyholders who have been with their company for a certain period of time.

You’ll save money. Most insurance companies offer discounts if you purchase more than one kind of insurance policy from their company. Who couldn’t stand to save a bit of money, especially when it comes to insurance costs?

If you’re looking for a car insurance quote and already have home owner insurance, check with your home owner insurance company about purchasing getting a car insurance policy quote from them, too. The same applies if you’re looking for a home owner insurance policy quote. If you already have both kinds of insurance policies from different companies? Ask each company for a home owner insurance quote and car insurance quote, and then choose the best deal. And remember – always ask about the discounts you can get for a home owner insurance quote and a car insurance quote from the same company!

Small Business And Health Insurance

As if it weren’t obvious by now, the smaller the business is, the greater challenges employers face in providing quality health insurance to their employees. Even though that isn’t exactly breaking news, the downtrodden economic environment and rising health insurance premiums have amplified the issue of small business and health insurance.

A recent Small Business Administration (SBA) report showed that merely a third of firms nationwide with fewer than ten employees had health insurance benefits offered to employees in 2009. For companies with 1,000 or more workers, that figure skyrocketed to 99 percent.

Some states’ businesses with fewer than ten workers were lower yet, with only 24 percent offering health insurance benefits. That figure jumped to 93 percent for companies that employed 100 to 499 individuals.

An advertising agency owner that employs 35 people maintains the recession has taken its toll, commenting on the marketing cutbacks the firm’s clients had to make to in order to survive. The owner has taken steps to deal with tighter budgets and large increases in their small business health insurance premiums to go in a different direction with the company’s insurance provider. Part of their unique solution was to increase the company’s deductible and open Health Saving Accounts (HSAs) for their employees, which are funded by the company.

Health Savings Accounts, which are available to people enrolled in high-deductible health plans, can be shifted from job to job and are not subject to federal income tax at the time of deposit. At the end of each year, unspent funds roll over to the next, which makes small business health insurance coverage more feasible.

A recent insurance industry report showed a nine percent increase in 2011 for family coverage premiums, with single-coverage costs also increasing eight percent – a significant upward trend from 2010, when increases for families were three percent and five percent for individuals.

The report’s data also showed that average annual premiums for families had more than doubled from 2001 to 2011 – from $7,601 to $15,073. Just what everyone needs in a down economy!

Small business health insurance coverage, while important, can be elusive for some. In my particular line of business, which is a convenience store with gas and car washes, the trend for independent owners has rarely been to extend insurance coverage to employees, mainly because it has always been too expensive. Most employees who work in c-stores, outside of owners, are generally students and part-time employees to begin with, so most are not concerned about the issues of health insurance.

Most business owners, however, should be covered by quality health care coverage, as their businesses depend on their guidance and leadership on an almost 24-hour per day basis, although most owners can’t let go of the business long enough to even take a sick day! Small business health insurance group coverage is an option, provided your state’s insurance laws permit a group of “one”, which some do.

Three Reasons Why Orthopedic Rehab Is Helpful

If you have ever had a surgery or serious injury, you know that it can be physically exhausting to recover properly. Most surgeries or major traumas require specific exercises and protocols. Orthopedic rehab is designed to deal specifically with injuries involving the musculoskeletal system. Issues in this field often include sports accidents, such as torn tendons and broken bones, tumors, and even infections. Following a recovery protocol specific to your injury and operation can help you to recover faster and more fully. Here are three reasons why.

Regain Function

After a serious injury or medical condition, our bodies often attempt to compensate for the trauma. For example, when a person limps, it is an attempt to take pressure off of a damaged body part. As a result of this natural compensation, the muscles and tendons surrounding the injured area can often weaken or atrophy from lack of use. This is further exacerbated following an operation. Orthopedic rehab helps the patient focus on strengthening the repaired body part and the area surrounding it. Without a directed recovery, most patients will continue to favor the injury, resulting in a lifelong limp, hitch, crook, or other physical abnormality.

Prevent Injury

As discussed above, the human body will tend to protect a damaged area by shifting the workload to other limbs, tendons, or muscles. Even after the area has been surgically repaired, the human body will continue trying to shield it. If the body does not re-learn that the damaged body part is okay, the overuse of other areas could result in further accidents. This example is often seen in athletes with an injured leg or foot; in an attempt to protect the weakened area, the athlete puts more force into their cuts, pivots, or jumps with their good leg. This can result in damage to the strong leg or foot if too much strain is placed on it. Conversely, if the surgically repaired area is never re-strengthened, it is more apt to suffer the same failure as before through normal use. Orthopedic rehab can help patients regain the strength lost through trauma and an operation.

Avoid Surgery

In some cases, orthopedic rehab can help patients suffering from physical trauma avoid an operation altogether. This can be achieved through directed exercises or by altering how a person performs physical tasks. In the case of a weak back, a therapist might work with the patient on how to sit, stand, sleep, and bend over. The proper use of the back, coupled with specific exercises designed to strengthen the weakened area, can reduce the amount of pain a patient is feeling. In many cases, this approach can entirely solve any issues a patient is having, rendering surgery unnecessary.

In conclusion, orthopedic rehab can be helpful in resolving a number of physical ailments. Patients should wholeheartedly work with their physical therapists for a better recovery experience.

Understanding Occupational Therapy

Much of what we know about proper practices and methodology in the world of occupational therapy is advanced by the American Occupational Therapy Association (AOTA). AOTA establishes the guidelines for practitioners in the United States. It publishes these guidelines, as well as general information about the practice, in their publication “Framework: Domain and Process.”

The most recent edition, the third edition, was released in 2008. The Framework is a guide for practitioners to assess patients’ needs and help them find better solutions to achieving their goals. It provides the structure for this assessment in three basic steps: Evaluation, Intervention, and Targeting of Outcomes.

Understanding the Framework will allow you to get the most out of your relationship with your medical professional and your treatment. By equipping yourself within the Framework, you can better achieve your goals.


Evaluation is the first part of the discovery process. On paper, the evaluation portion consists of finding out what a patient has done and is able to do. Your practitioner will want to find out what sorts of jobs you’ve held in the past, how you were able to perform those jobs, and whether or not your environment, coworkers, own work ethics, or outside factors contributed to your success or failure at that job. Your doctor might speak to you, people you’ve worked with, or family members to get a clearer picture of what is going to be suitable for you as a worker.


According to the AOTA’s Framework, intervention is a collaborative process. After the interviews, you and your practitioner will work together to devise a plan that utilizes your personal strengths in the job market. Part of this plan is finding a compromise between your personal goals and the practical applications of this plan.

Intervention is an attempt to change some habit or action that previously kept you from success. Identifying unwanted or non-vital habits and replacing them with more desirable habits in a safe environment with lots of outside support helps increase the chances that these habits will be maintained as you move into the workforce.

Targeting of Outcomes

Occupational therapy acknowledges that adjusting to the workforce is an ongoing process. It might take multiple plans, or multiple attempts, before the original goals of the practitioner and client are met. This section of the Framework is meant to allow the doctor and patient to modify their approach and change any aspects of the evaluation or intervention plan.

For some people, occupational therapy is a single interaction between client and practitioner that creates a habit. For others, it is the beginning of a lifelong process, with doctor and patient constantly working in tandem to achieve ever-changing goals. In either situation, the hard work of both the specialist and patient leads to success. An understanding of this relationship can help navigate the varied decision-making involved in the day-to-day practice of occupational therapy. The Framework highlights the value of this relationship and can be a useful tool.

The War On The War On Carbs

For those that love carbs, you’ve been taking a beating lately. Don’t eat carbs, they make you gain weight say the “experts”. Lately, there has been a complete war on carbs and as someone who loves their carbs… it’s time to start a war on the “war on carbs”

Carbs are essential, there’s just no getting around it. Whether your goal is to lose weight or increase sport performance, you’ll just do yourself a disservice if you abandon our friend the carb. For all high intensity, short duration activities, muscle glycogen is the source of energy and muscle glycogen comes from… carbs. Even endurance activities of moderate intensity use glycogen as 50% of your energy needs. In fact, the one limiting factor on your sport performance will be the lack of availability of carbohydrates. Even during low intensity exercise when your body uses a higher percentage of fat as its fuel source, it takes a good supply of carbohydrates to fuel that process. Ever play a sport or involve yourself in a high intensity workout program and you hit the proverbial “wall”… that’s because your body has a lowered supply of glycogen EVEN THOUGH your body has a great supply of fat. Want to perform better… eat your carbs.

What if you want to lose weight; surely you need to decrease your carb intake. After-all, carbs MAKE you fat right? Carbohydrates provide you with variety, necessary nutrients and volume to your diet.

Recommended ranges for carb intake is between 45-65% of your total intake. Weight loss occurs when there is a calorie deficit and not a particular macronutrient profile.

Weight loss occurring on low-carb diets is generally attributed to 2 things… a lower overall calorie intake and loss of body mass. Ever start a diet that restricts your carb intake and seen great results in the beginning weeks? Lower carbs mean lower muscle glycogen stores. For every gram of glucose lost through glycogen you also lose 2.7 grams of water with it. This loss of glycogen combined with water loss is the contributing factor in the initial big losses seen.

Some studies you will read (actually the newspaper headlines you will read… very few read the actual studies) will tell you that we are gaining weight faster than ever even though our fat intake is down. This is partially true. The PERCENTAGE of fat intake in our total diet is down but the actual grams of fat consumed is unchanged all while the total calories consumed in our diets has increased. As well, most studies rely on self-reporting and people generally report eating less than they actually do.

Consider in the 1900’s the typical diet had a higher intake of carbohydrates and a lower intake from fat. Even though our dreaded enemy the carb was consumed at a greater rate, we have only seen the rise of weight issues in the past few decades. In short, the increase in the rise of weight gain we see as a society is largely due to increased calorie and decreased activity.

So, here’s what is so good about carbs:

1. They provide nutrients that you can’t get from fat or protein
2. Adds bulk to your diet
3. Stabilizes blood sugar levels
4. An adequate supply of carbs in your diet spares your body from turning to protein as an energy source meaning that protein can do its job.
5. It’s the body’s preferred energy source
6. Your brain only uses carbs as its energy source
7. You need carbs in order to fuel the process of fat burning

All this doesn’t mean run out for a dozen donuts. Select good choices of veggies, fruit, whole grains… eat ’em up… yum!

Losing weight doesn’t have to be so complicated. Like they say, there is more than one way to skin a cat and there is more than one way to lose weight. Don’t let your fitness plan be swayed daily by the changing tides of news headlines.

Alcohol and Drugs Cause Extremely Painful Death

The longer one lives, the more adept one becomes at reading the signs. My experience of dying and reincarnation is insight into the role of death and how everyone has returned as we are in the last days. The great population explosion is the result. Many come back to what they knew in their last life and that leads to addictions and a repeat of the same behaviour. Over the years of watching the number of things that cause death has grown and the pain of dying increased as evil is protected.

In these latter years there are far more things to cause addiction than ever. In my young days the war had handicapped the economy and the loss of men required to service industry was great. There were no luxury items available and alcohol and drugs were practically unknown in communities where such would not have been tolerated.

As the populations recovered, however, things took a different turn. A new industrial revolution began with food and alcohol leading the way. These were the chief money cows of the economy until fashion and other things came to the fore. Hollywood showed their audiences how good life can be with addiction to wealth and the use of drugs.

The economy is thriving and the greatest income is made from drugs and fashion. It is now the ‘norm’ for tattoos, body piercings, hard drugs, and other things to be a part of one’s social life. All of these things make cancer and other scenarios possible.

Parties with drugs and alcohol involved often result in brawls, stabbings, and murder. There have been many violent incidences recently in Australia where uninvited guests ordered to leave parties have turned violent. They have killed for the sake of a few free drinks and are now in jail.

There is another more insidious death awaiting users of alcohol and drugs. It has to do with cancer, loss of brain function, or other things like homelessness, inability to work, and rejection by family and society. There are no answers to these problems because what they do is legal and the system is built for making money and putting lives at risk.

Individuals cannot wake up who are constantly seeking more alcohol or drugs to feed their addiction. They are like fish caught on hooks being gathered to another feast of the same. Their ultimate death is often excruciating and lonely and all because of money.

5 Tips On How A Woman Can Lose Weight

Women are always conscious of their health and fitness. They always desire to look slim and trim. If any woman gains extra weight, she looks for a quick solution to it too, by losing the weight quickly. There are numerous ways to do so, but some of the quick weight loss tips are as follows:

TIP 1: Take low-carb diets

Carbohydrate foods are rich in the calories, but at the same time they have to be taken in low quantities. The major advantage of eating low-carbohydrate foods is that they compel you to eat less. Without keeping an eye on the amount of calories they are consuming, the weight conscious people love taking the foods with lesser carbs and few carbs. If sugars and starches are consumed in greater amount they stimulate the hunger pangs. Hence, if carbohydrates are reduced in the food the appetite is likely to decrease also.

TIP 2: Drink enough water

Water is great for metabolic activities. Adding more water to your menu will reduce the hunger pangs. Taking water in the morning is the first step to do so. Water gives a feeling of being full, thus the food intake also cuts down. The final aftermath is the loss of weight. Water is a zero calorie food ingredient. It can flush out the excess weight. An addition of lemon wedges and mint can add refreshing flavors to your drink.

TIP 3: Go for Cardio

A thirty minute session that can speed up your heartbeat will burn out your extra calories. Any such work out will help take away the extra calories from your body. Thus, it becomes a great way of staying fit and slim. Any session of cardio on a regular basis is a great help for the weight conscious ladies.

TIP 4: Add more minutes to your bedtime

Although it seems strange, but still a few more hours of a happy sleep will stimulate your metabolic rate and help you shed off your weight quickly. No matter how long you sleep, just add half an hour to your bedtime and you will feel recharged. It will add to your muscular strength, keeping you healthy and active.

TIP 5: Start enjoying the proteins

There is no blinking of the fact that proteins are a great source of energy. If you are looking for quick weight loss, then the best option is to give up the carbs and start taking the proteins in the form of meat, eggs and fish. It is a good alternative to the carbohydrate foods. It gives a feeling of fullness that keeps you away from the extra food intake. A combo of protein source, a fat source and a low-carb vegetable can be great for reducing the weight quickly.

So, if you are a health loving, lady of style, the best way to get rid of the extra weight on your body is to follow these easy tips and get a healthy lifestyle. There is no need to go for a crash diet, but instead opt for healthy lifestyle.