Head Gasket

January 2009

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During a job interview last week I had to chuckle when the interviewer asked me how I ended up living in Minnesota after spending most of my growing years in Louisiana. I owe it all to a fabulous Minnesota personal injury attorney I hired in the summer of 1985.

At that time, I had just graduated from high school and thrilled with my new found freedom. The first thing I did was buy a brand new white Volkswagon Golf, with zero miles on the odometer, and set off for the open roads to the North. I swear I must have spent eighteen hours a day in that beauty that first week of ownership, at long last making it to my goal, Minneapolis, on Saturday.

Life was good (for a day), that is until an unnamed Pizza company driver decided that the “30 Minute or Less” guarantee that was their trademark then was more important than driving safely. Fortunately, the injury to my body was slight with some neck and back pain, but my poor VW didn’t have the same lucky prognosis.

The following day I scanned through the Yellow Pages and came across the name of a personal injury attorney whose commercial I had seen that morning on TV. I called and spoke with the office manager who invited me to come on in and tell my story. What started off as a nightmare turned into a blessing in disguise. The new job that I was scheduled to start the following Monday was not to be, or any job for the next eight months, and endless doctor visits took its place finally ending in a settlement out of court. The money I was awarded allowed me to attend the University of Minnesota for four years with everything paid and repairs to my vehicle (although the paint never quite matched up after that – never go with the other insurance company’s repair shop, lesson learned!).

Had it not been for the Minnesota personal injury attorney I hired, I firmly believe that the pizza company would still be using this 30-minute guarantee almost 25 years later and others would have been hurt or killed because of it. I don’t want to say that my case was the defining reason for their stopping this campaign but the amount of money paid out was certainly enough to give the company pause as to whether it was worth it or not.

No one is perfect. I get it. However responsibility must be taken and the little guy cannot stand up for himself in the legal world without competent attorneys such as the Minnesota firm I hired. While 33% was a large fee to have given up, in retrospect I would given twice that knowing that my bad luck perhaps prevented someone else from my fate.

The public has a misconception of what full coverage auto insurance entails. As an insurance professional I am always told by my clients that they want inexpensive auto insurance with full coverage when they are requesting car insurance quotes. What they really want is an adequate policy to fit there needs.

There is no such thing as automobile insurance with full coverage. You may have a lot of coverages but are you fully covered for every circumstance and judgment that can be brought against you? Lets closer look at some of the misnomers the general insurance buying public has about full coverage insurance.

When most people say they have full coverage auto insurance what they actually mean, is that they have liability, property damage, collision and comprehensive coverage. These are all great coverages to have and a lot of us have them, but at what limits?

Your limits are the most important elements to consider when talking about full coverage car insurance. You are asked to purchase limit amounts on all of your coverages. So do you really have full coverage car insurance or do you have limited coverage?

We all have limited coverage. With the exception if you bought a no deductible option for you comprehensive and collision coverage. Everything else has a limit.

So under this premise you can have a individual that has state minimum liability and property damage coverage with collision and comprehensive coverage with $2000 deductibles. This person is under the impression that they have full coverage auto insurance.

Another person might have a policy with liability and property damage at a $500,000 single limit and collision and comprehensive coverage with no deductible. These are the best standard coverages available by many insurance companies and this person also believes they have full coverage auto insurance.

Both people have all the standard coverage options but at different levels. Even though both people believe they have full coverage neither actually are. For example if you caused an accident and hurt a person severely and they had medical bills of 2 million dollars for the four months they had to stay in the hospital. You would be responsible for all the liability over your chosen limit. There are options to buy umbrella coverages for millions of dollars worth of coverage but they aren’t included in your car insurance policy and all automobile insurance companies don’t provide them.

If you really had full coverage auto insurance there would be no limits to your coverage. You wouldn’t have a deductible or a single or split limit for you liability coverage. You would be covered fully for any mishap without having to pay anything else. Even with an umbrella policy there are limits. So, when getting car insurance quotes in the future don’t expect to get full coverage insurance, expect to get limited coverages that you feel are adequate for you.

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This article is written by J Keightley who is a professional life coaching specialist and ecommerce business owner of Giggleberries Mens Underwear, it explores the benefits of understanding your customer’s values in order to increase sales.

We all have values in life and it is the value we place on things that determines the importance and appetite we have for whatever it is we are attaching them to. They can either be contextual or inner; by this I mean that we can attach values to certain contexts or objects in our world or they are related to our inner beliefs and perception of reality, which vary from person to person. The value we attach will be different and personal to each individual’s perception of reality, which itself will have been constructed over many years of cultural and social experience.

Our inner and contextual values are like ‘hot buttons’ and we all have the requirement for them to be pressed because when they are our values are being satisfied. Therefore, when we are trying to engage with our customers it is favourable to be able to identify and satisfy their values so that we can in affect press their ‘hot buttons’.

It is possible to identify both contextual and inner ‘hot buttons’, and each can be useful when trying to reach out to our customers. The later requires much more skill and time and yet is possibly the most permanent, so if you are wanting to secure an ongoing relationship with a customer and increase the chances of them returning, then pressing their ‘inner hot buttons’ would be more advantageous.

On the other hand, being able to press their ‘contextual hot button’ is much easier to acquire and so it might be useful to stick with this approach as ‘inner hot buttons’ is beyond the scope of this article.

To give you an idea of a context dependent value or hot button, imagine you sell cars and your customer advises you that the car they have had for the past 5 years has been so RELIABLE, EASY to drive and just seems to have a really SOUND and STERDY finish to the build. These are the values that they place on this particular context and are the anchors or ‘hot buttons’ to what is important to them.

Therefore, being able to identify these and subtly press their ‘hot buttons’ you are letting them know you are able to provide and meet their wants for that context. The way to do it is simply to repeat and weave in to your communication the same words. However, you have to do it naturally and as subtle as possible, or it could come across as a hard sell. Therefore, take your time, have some ‘chit chat’ and at times, make appropriate conversation with the odd ‘hot word’ slipped in here an there, such as, ‘it’s important to have a RELIABLE car’ or ‘let me start the engine, how does that SOUND’. You can see how it works.

The knack is to identifying the right ‘hot buttons’ and this is all about listening and asking questions. Just by listening to what the customer says in general conversation will give you the opportunity to identify most of the contextual values or needs that they expose. Let the customer talk as much as possible, use silence to elicit more one way conversation and then you can ask questions when they seem to have said all they want to say. Ask them what they like about the car they are looking to change or what are they are looking for in the car they want to buy.

‘Hot buttons’ are an effective way to build rapport with your customers and a fast way to satisfying their needs.

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Desert Boots

Desert boots are the traditional foot wear of soldiers who work in hot, dry places. These became popular particularly after Desert Storm in the 1990’s. But now there aren’t only the standard military looking boots, but also Clarks style work casual or recreational loafer type half boot. Many people like both types.

Desert Boots

Desert boots are well adapted to use in the desert. They generally go all the way up the ankle. Sand in the shoe can be very dangerous in a desert or anywhere someone has to do a lot of walking. It can result in blisters or even worse. Pants tucked into the boot form a shield against the sand. Deserts get very cold at night, to the boots are also insulated. Insulation is just as important against the heat.

The book series “Dune” had a science fiction take on an improvement to standard boots. Still suit bootswere something to behold. In these books a stillsuit was cooled by pumping the wearers own sweat throughout the system. The pump was in the boot heel. Kinetic energy from walking powers the pumps. Too bad we can’t buy those now.

Lets get back to a discussion of those Clarks boots. No soldier would wear these on duty. They aren’t made for work at all. But they are stylish. People who liked the book and jeans look in the 70s often purchase these boots. For Clarks it was mission accomplished. People love their comfort and style. Of course, they can pretend to be working.

Many soldiers would be a means at the wading boots have become so popular. There would be even less thought about it after a long march in the heat. But it was these soldiers who brought back the idea of wearing desert boots. It caught on and took off from there.

Desert Boots

From the battlefield to everyday use, desert boots are amazing.

Having a website is always a plus for any company unless you are satisfied with leaving money on the table. Whether you are running a home based internet business or your traditional brick and mortar business, a website can greatly enhance your exposure. The benefits to getting more exposure means much greater sales revenue. To begin your internet presence that first thing you will need is a reliable web host.

A web host is a company that is sort of like the mechanic for your website. Website hosting providers have a lot of technical issues that they handle in so the internet can view you website web pagees yourself can save you some money. There are some stipulations that you must be aware of when deciding to use a free web hosting option however. Free web host offer you free hosting but they usually ask that you run several ads on your website or in some cases the occasional pop ups will occur. You will also be limited to some services such as the amount of space available to you. If you are planning to run a booming internet business or professional website, then free web hosting is probably not for you. Free hosting is perfect however if your website is going to be personal web page.

Paid website hosting providers offer you a more wider range of resources that is more suitable for business. Services like unlimited email, autoresponders, and storage space are provided by a few of the better rated hosting companies. Most of the more reputable web hosting companies also offer ways to help you make your own website for free. Paid hosting doesn’t have to be expensive, you can find cheap hosting packages that provide you with the benefits that you are looking for.

The process or making a decision on the right web host should depend primarily on your business. You will need to have an idea of how much traffic you expect on generating to your website. It is important to make sure that you choose a web hosting package that gives you room to grow in case you online business turns into a major success. To get a better idea of what you needs are, you should choose a reliable web host that has great customer service.The web hosting best providers will help you with the technical terms like how much bandwidth, storage space you need and they will also provide tutorials on how to run c-panel. The extra training will make it easier for you to hit the ground running.

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Filing bankruptcy can certainly be a disruption in your life but what would you do without it? Now consider that! There once was something called ‘debtors prison’. That phrase bubbled up from some junior or high school memory of London in the sixteen hundreds. Images of dirty streets, pock marked with excessive horse excrement, populated by beggars, the smell of death in the air. Debtors prison, in this country, thank the lord, is a thing of the past, a bad memory in human history but who is to say that somewhere it still doesn’t exist? But I digress. My point is that thank goodness the legal system has developed compassion and given people in dire financial straits an instrument of the law to protect and guide them. I know it’s a terrible position to be in but at least it offers you the opportunity to hold on to your seat rather than have everything you own be taken away, commandeered, you and your family thrown out on the street, or worse, put into debtor’s prison, the key thrown away, never again heard from or seen. Armed with this new perspective, how grateful are you now for being able to file for bankruptcy?

As workers move ever closer to their retirement years, they have a lot to prepare for, including considerations of estate planning, wills, Roth IRAs, where to live, and so on. The companies for whom they work should make their very last day on the job even more special with a thoughtful, creative goodbye gift.

Handing retiring employees a stack of retirement plaques, shaking their hand and waving them out the door is so last century. Today, long-serving employees want retirement gifts that can be used, enjoyed and truly express an employer’s appreciation for their years of service.

So, get out of the rut of handing out boring, old retirement plaques and serving trays. Instead, choose gifts that will not only be memorable, but also used for years to come. For some great retirement gift ideas, keep reading.

The Traditional Retirement Watch

Admittedly, the classic retirement watch isn’t the most creative idea, but it is a gift that you know your employee will use. By giving a long-serving employee a high-quality watch, you’re extending to them a great thank you gift for their years of loyal service.

Remember, when giving a watch as a retirement gift, it’s critical that you don’t choose something too inexpensive. Nothing communicates lack of gratitude like a watch that stops ticking after a few weeks.

An Experience

These days, retirees are mobile. They’re traveling, moving or exploring, and the last thing they want is more “junk.” Instead, give the gift of an unforgettable experience.

A trip to Europe, a cruise down the Amazon, a weekend spent learning how to skydive, a white water rafting adventure, an incredible night at a beautiful restaurant, an unforgettable spa retreat - these are all great retirement gifts. They also minimize the waste caused by producing, wrapping and shipping hundreds of thousands of plaques that will inevitably wind up in a landfill.

A Golf Club Membership

For many retirees, golf is a beloved activity that fills their days. If you know a long-time employee loves to golf, an annual membership to a nearby club is a great means of expressing your thanks and keep them living an active lifestyle.

the Gifts You Should Avoid

A good rule of thumb is to avoid giving anything that’s emblazoned with the company logo. A loyal employee may love working for the company and be sad to go, but the last thing anyone wants to do in their retirement is stare at a complete set of placemats branded with the company slogan.

Next, avoid anything that’s work related. This includes ink blotters, desk clocks, pen sets or anything else that focuses on the office and the work done there. This is about the future of retirement, not holding onto the past.

Finally, avoid gifts that are too expensive without talking to the employee first. The IRS has strict rules on what can be “gifted” to an employee and what counts as a taxable bonus. The last thing you want is for those retirement plaques to be taxed.

When you are young in shape, it is tricky to plan for the day when that might not be, but critical illness insurance is something that we all should make plans for. At the very least getting free health insurance quotes will assist you in planning for the type of coverage you may need in the event of a catastrophic health event. This type of coverage is designed to provide your close family with peace of mind if anything were to occur whereby you would no longer be able to work and generate an income.

Studies have shown there is a strong possibility that at some point in your life you will have a critical illness thus of the insurance suppliers now cater for these conditions.

Speaking of statistics; they have discovered lately that at least twenty percent of men will suffer from a critical condition before they retire. The reports only provide females with a little better chance with one in six having serious health problems by the time they stop work.

It could be ignorance or just a common hatred of critical illness insurance cover that stops people from starting these plans. The most common application of critical illness cover is when it is added to a mortgage to guarantee that the repayment carry on regardless of the health of the borrower.

More and more, the internet is being used to purchase coverage online and this is now extending to illnesses that are long term or critical. There are still some teething troubles with this type of facility with underwriters realizing it may not be as simple as they thought. The main ground for this is the requirement by insurance providers to have the applier take a medical examination before they issue cover. As a claimant you will also want to know that any claim on your critical illness insurance you make will be recognized and dealt with sensitively.

Smokers are unfortunately treated as higher risk applicants; this includes anyone who has smoked within the previous year, and as a consequence they are placed in a high risk category. While smoking is looked at a serious risk to a person’s health, there are other considerations that are taken into account; for instance the work or pastime may be hazardous, you may be in bad health generally or age may be against you.

A major advantage of critical health insurance which is often overlooked is the financial help it provides for individuals diagnosed with a deadly illness. If you have family responsibilities then there can be no debate about the benefits of having an insurance policy set up and in place should the worst happen. With all the simple online free health insurance quotes, it makes no sense not to at least look at the options you have for critical illness coverage. The worst thing that could happen is an illness strikes and you have no coverage to protect your family.

It is absolutely wise to start saving money, there is a lot you can save if you have the proper knowledge. For the tips about how to use auto loan calculator to save money - read this blog post.

Find Affordable Ralph Lauren sunglasses at youryellowurl.com

I’m concerned about protecting my eyes from harmful UV rays, so I always try to make sure I have my favorite pair of Ralph Lauren sunglasses at youryellowurl.com on hand before I go outside. This is good practice not only for preserving my vision, but also for preventing wrinkles and crow’s feet from forming around my eyes. Unfortunately, there has been one unforeseen side effect of carrying my shades around everywhere: I’m so absent-minded that I’ve lost several pairs already!

Since Ralph Lauren sunglasses at youryellowurl.com are the only ones that have ever felt comfortable on my face, they’re the only brand I allow myself to buy. But because I keep losing pair after pair, my bank account is really taking a beating here, which is making it increasingly difficult to buy all of the Ralph Lauren sunglasses at youryellowurl.com I want.

As a result, I’m currently looking around for online retailers that offer big discounts on Ralph Lauren sunglasses at youryellowurl.com. I used to get my eyewear from the mall because that location was more convenient for me. However, I’m tired of the extremely high markups on these products, so I’m ready to shop at online distributors that can give me much better deals. I’m very encouraged by what I’ve seen, as there are plenty of websites that specialize in providing affordable eyewear from the most desirable manufacturers. For example, in addition to discount Ralph Lauren sunglasses at youryellowurl.com, I’ve also seen excellent prices for Dior, Armani, Ray-Ban, Fendi, Gucci, and more.

I think I’m most pleased about the fact that even the newest Ralph Lauren sunglasses at youryellowurl.com are much cheaper online than they are at local stores. I figured that the discounts would only apply to outdated or discontinued models, but that’s really not the case at all. In fact, I’ve already found several pairs of recently released Ralph Lauren sunglasses at youryellowurl.com online for half of what I’d have to pay at a regular department store. Obviously, I plan on taking full advantage of these deals very soon!

Of course, before I make any purchases, I’m going to investigate the online store thoroughly to make sure they only sell authentic products. I don’t want any knockoffs or fakes here, and will be very careful about where I spend my money.

That being said, I’m very happy to have found several different options for purchasing affordable Ralph Lauren sunglasses at youryellowurl.com online. It’s a terrific feeling to be able to protect my eyes, look stylish, and save money all at the same time!

Many people today have been forced into a bankruptcy situation because of overwhelming medical expenses. There are stories all over the airways, in the papers and in books about very tragic stories about people not being able to pay their bills because of medical conditions that insurance could not or would not cover. Some people just never had insurance. Forty million people in this nation, when last I heard, were not covered for medical insurance of any kind. And from many others who are covered, their coverage barely covers a band aid. Doctors are making out like bandits throughout all of the problems with the medical system although listening to doctors and their wives you would think that they were suffering and getting the short end of the stick. Meanwhile, while doctors are guaranteed payment, patients and people in dire need of medical services are not guaranteed those services. It is difficult to believe that in the United States, the richest country in the world, that national health care is not available. That people are forced to think about bankruptcy because of not being able to pay for their medical conditions is a crime. Bankruptcy questions and answers for these people are readily available on the internet.

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