My Mom and I Are Getting an Apartment Together

When my mother fell down a flight of stairs, she ended up in a rehab center for months. Because of this, she ended up losing her apartment, which depressed her even more. She asked me if she could stay with me for a few weeks or so until she got back on her feet, but I wanted to do more than that for her. I only had a one bedroom apartment, and I did not want to see her sleeping on the couch. Instead, I looked for two bedroom apartments for rent in Henderson NV.

My mom had taken care of me for the first 20 years of my life, and I did consider it an honor that I was able to help her. She was not poor, but she knew that she would need some help before trying to get her own apartment again. Continue reading

Best Local Prices for Scrap Metal

I have quite a bit of scrap metal in my backyard and I am a bit low on money right now, so I want to look up some info on scrap metal prices to see what the prices are like near me, and what the best local prices are for selling scrap metal at this point in time. I am hopeful that now is a good time for selling scrap metal, but I have no idea really, and to a certain extent, it does not really matter that much, on account of the fact that I am probably going to have to sell this metal right now regardless of how good the prices are.

I just need to get some extra money in my bank account, because I have some expenses right now that I definitely wasn’t planning on, and they have kind of thrown a wrench into my finances for the time being. I guess it is good to have a way to get out of this mess though, and so I should be thankful that I have several hundred pounds of scrap metal. I know that I will need to go through and sort it all in order to get the right prices for everything. It has been a long time since I have sold any scrap, but if I recall correctly most places are kind of picky with regards to what they accept in terms of scrap metal and they really want it to be sorted right. I will probably have to look up the prices for various metals at the place I decide to sell it to, in order to figure out how exactly I should sort this all out. I think most of what I will be selling is going to be copper and bronze though.

The Long Time It Takes to Get Better from Frozen Shoulder Can Lead to Other Problems

I thought my shoulder and arm pain might be serious as I was feeling it in my left arm. I went to my doctor who sent me for a complete workup to check my heart. It was coming on gradually over a long period of time, so it was not like that sudden pain in the left arm that comes on quickly or gets worse with activity. I ended up being diagnosed with frozen shoulder. It took almost two years to feel better, and then I had to go to a Sacramento chiropractic office office for some therapy on my back.

Over the two years I had the problems with the frozen shoulder, I had adjusted how I moved my left arm. Continue reading

My Chiropractor Helped My Sore Neck

Sometimes I wonder why I even bother going to my regular doctor, when my chiropractor is so great. I know I have the best San Jose chiropractor, and I found him through my neighbor. There was a day a few weeks ago when I was having problems with my neck. Every time I woke up it would be incredibly stiff and I would barely be able to move it. I told my neighbor about this, and we got to talking. She told me about how great her chiropractor is and encouraged me to schedule a visit.

Prior to this I had seen a doctor several times, but he wasn’t able to do much. He told me to put heat on it, and try sleeping with a different type of pillow, but that didn’t work. I went to the chiropractor like my friend recommended, and after the first visit I felt like a new person. My neck pain had pretty much gone away completely. Continue reading

Affiliate Marketing With Ppc, Ppv, Wth!

Internet Marketing is like alphabet soup. Especially for someone just coming into the industry. What do all these different three letter abbreviations mean? It’s pretty confusing, even when trying to explain it to someone. I’m sure you can find some very in-depth articles extolling the virtues as well as the evils of these types of marketing approaches so I’m going to try to be succinct.

PPC stands for “pay per click” and generally refers to advertising that is placed on different sites and locations across the web. The advertiser will be charged a certain amount every time someone clicks on the ad. The trick for the advertiser is getting the visitor to complete the offer whether from an affiliate network or their own product. The BIG trick is paying as little as possible for each click to maximize profit from the offer.

CPA stands for “cost per action” and is the amount earned by an affiliate when a visitor completes the offer. Sometimes the offer can be as simple as submitting a zip code or email address and receiving a small fee in return. Other offers might require purchases or subscriptions and generally have a higher payout. Converting higher paying offers is an art form in my opinion and requires lots of research into keywords, demographics, and good copy writing to not only convince people to click on your ad and visit your landing page, but also to convert your visitors.

PPV stands for “pay per view” and is similar to PPC without requiring a “click”. All that is required is a “view”. In other words, you are charged every time your ad is shown whether anyone clicks on it or not. Because of the volume involved with PPV advertising the costs are usually measured in fractions of cents. It still comes down to finding the right offer that will convert and getting it in front of the right people.

After trying these types of marketing approaches I realized that my personality was not compatible with what I consider “higher risk” marketing and instead of trying to push traffic to my offers, I would rather pull traffic to my offers. Recalling my college physics classes, pulling is easier than pushing although the process may take a bit longer.

Network Marketing

Network Marketing MLM Most people who cannot make it in the marketing world, it is not because they not worth it. There could be so many reasons associated with their failures. This is a field that truly allows you a true financial independency. In networking world we focus our efforts in a word of mouth, one of excuses that people use in this field is, -I can t talk-. Funny that they can say hello to you. It is proven that such statement is used as an excuse. Actually people who say they can t talk are always proving later that they are so good with people. Other people come to networking when they are in complete finance breakdown. Caused by job loses etc. This always raises expectations to maximum as people may already have accumulated debts that they hope to settle. Having analyzed most law complying networks they are proven not to be quick fix money schemes. You need put effort allow growth with time Few expected qualities of a successful networker are, 1.Be patient with your building process it may not be easy at the beginning. 2.Follow formulae created and provided provided to you. 3.Stay focused, motivated and avoid jumping around all networks. 4.If you fall always rise up. 5.Never quit or give up. Due to the fact that network pays over levels, a lot of people confuse it with pyramid schemes. The following few examples distinguish network from pyramid scheme. 1.Network is registered with authorities yet Pyramid scheme is not registered. 2.You will always find a product in Network, yet Pyramid does not have 3.In a Network you can earn while you’re up line does not, in pyramid you cannot earn before you’re up line. 4.Most Networks are easily affordable opposed to Pyramid schemes. A network will help you to build business through communication. It’s a brilliant systematic way that can make you a better person. Good part is a formula to success is always provided to you, yours is to implement it. This makes me proud of being in Network industry, especially being associated with Bluechip Networking company www.bchip.co.za or 0712323333, that has touched so many young, old peoples, students etc.

Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

Successful Techniques of Advertising

Everyone brand indulges in advertising. Some brand advertisers adhere to advertise in a customary way while some brands evolve out from the traditional norms of advertising and try different techniques which are out of the box. In this article, let us discuss about 3 successful techniques of advertising which are used by a wide range of smart advertisers in the brand market.

Technique no.1- Generate a metaphor

A symbolic representation of the key idea of the particular advertising communication is quite helpful. You can use images or statements that are completely different but when placed together provide a new idea. Over here you can play with words or with visuals or both. By creating a metaphor you can represent a characteristic or a feature or a benefit or a service of your brand.

A metaphor can be skillfully used to exemplify the brand’s personality. For instance, branding campaign advertising for a summer talcum powder can use ice cube to denote the idea that the user of the brand will feel a cooling sensation by using that talcum powder.

Technique no. 2- Pledge a benefit

Your brand should provide a compelling benefit that your product can deliver. This is because a benefit is something of value to your target group. Before purchasing your product a question arises in the mind of your customers what can this product do for me? The answer should be a benefit. Your advertising campaign should be able to persuade the target group about the benefit of the brand and how it will bring a difference in their lives.

A good example for a benefit ad- Introducing a summer deo which can actually help you stay fresh round the clock

Technique no. 3- Talk about a problem

Everyone has problems. Some products solve them and for this reason they win the faith of a wide range of customers.

A headline for a shampoo advertising campaign starts with something like this Fed up of dandruff Such headline can easily grab the attention of those customers who have dandruff problems and they would sure watch or stay tuned to the commercial because everyone wants a solution for any problem. Later in the ad the advertiser can gradually explain how those customers can get rid of the dandruff problem by using the brand.

To sum up, advertising as a defined tool for brand promotion is open to various other techniques of promoting the brand to its target group.

Understanding Disability Insurance Policy

While a disability Insurance policy provides paycheck protection for common man and makes a huge difference in his life when he has met with an accident or injury, at the same time good companies use it to protect their business and employees during the tough and unexpected times. Learning the basics of disability insurance policy is a must for every person these days. How much is right for you

While you are purchasing your disability insurance policy, you are taking a positive step towards protecting your income. Your financial capabilities usually are the deciding factor on what type of lifestyle you can maintain and determine for what lengths. There are needs assessment calculator available free online to get started or you could also use financial worksheets to begin with understanding your financial capabilities and requirements. The insurance policy you take must cover your monthly living cost, so that during this lean period you and your family are taken care of.

Types of disability insurance policies

While there are various types of disability insurance policies covering and varying at great lengths in the amount of injury or accidents they cover might be different. They are Short term disability insurance policy and long term disability policy. The short term disability insurance might work out great if you are want to be covered from day one of the injury or accident or you want coverage only for a short time till your employer starts paying benefits. This type of disability insurance is also works great if you wish to keep your premiums low. Long term disability insurance works great if you want are looking for life-long benefits. As the name suggests in this type of policy you can be covered for several years after disability. When you should contact a disability insurance law firm

If in anytime you face an accident and may incur sever body damages or injury, it is the time for you to prepare yourself to claim the benefits from the people guilty of such accidents. During such situations things often get difficult as most of us not familiar with the legal and technical language mentioned in your disability insurance policy. A good attorney belonging to a good experienced company will not only understand your situation well but can also provide free consultation/ review on the status of your case.

Visit your nearest Disability insurance attorney to settle your Disability insurance claim