Formal insurance coverage has been arguably there for individuals and business since the late 1800’s. For the layman, though, not everything in a homeowner, auto, property and commercial policy is what it may seem.
On a practical level, it’s important to meet with an experienced independent agent to review your needs, explain options and plans and shop the network for tailored coverage at a competitive quote, while being there at your hour of a claim need.
This article serves to present the other view on insurance – fun facts that will tickle your interest and ease the seriousness of life while perhaps offering opportunities you never thought existed.
• While most people realize that a good driver will have a better insurance score, leading to cheaper premium rates, certain professionals, like teachers, accountants, engineers and nurses are also placed in a ‘high probability’ category to drive carefully and avoid accidents.
• There is a form of insurance for (of all things) alien abduction!
• Some coffee company executives wanted to be sure that their official taster would retain his excellent sense of taste so they bought a $10 million policy to that effect!
• Presenting the bride with an expensive diamond engagement ring is a tradition that is based on protection. A form of insurance – so to speak – the costly ring would be hers to keep as compensation in the event the groom got cold feet about tying the knot!
• Golfing in Japan becomes an expensive endeavor if you happen to be the winner – obligating you to host a celebration and sponsoring pricey alcoholic beverages for your admirers. Golfing pros often opt to buy insurance in case they win to cover the ‘damages’.
• If you wish, you can purchase a life insurance policy if you fall into a fit of laughter that kills you!
• A famous circus insured their performing rhino and elephant so that they could cushion the damages in the event of illness or death.
• Question: Who insures traveling international athletes? Answer: They get coverage from insurance companies in their home country as well as in their hosting country.
• When one avid sportsman chose to swim across the English Channel in a bathtub, he acquired insurance from a company that undertook the risk with one stipulation: the tub needed a stopper that would prevent water from seeping in!
• If you are in the market for a new vehicle, keep in mind that statistically, there are more collision claims associated with a 2-door car.
Source by M Wyzanski
A versatile piece of fabric, Mesh is used in different types of clothing items, crafts and utility items. Mesh is actually an open-hole fabric which is weaved to a grid-shaped style. The fabric can be styled into a skirt or a top. It can also be used to make vibrant tote bags of different colors or hair-nets. If you have set up an apparel and accessories store, it can be a good idea to keep some outfits and accessories made of mesh. Read and know all about the 5 different kinds of mesh that are available in the market, and commonly used by 3D Spacer Mesh Fabric manufacturers to make clothing and accessories.
Polyester mesh fabric
It is used commonly as side panel inserts in athletic outfits. This kind of fabric is breathable in form and can wick away moisture easily from the skin while carrying out various sporting and athletic activities. The sheer fabric is also used by fashion clothing designers in the form of overlays to add dimension and texture to tricot and other materials with a flat weave. The delicate parts of the body can be camouflaged by making use of two mesh layers.
Mesh Netting Fabric
It is used for making dresses that need the body to be air-dried fast. It can protect the skin and belongings from the bites of insects. Naturally, it is used for the construction of camping equipment and gear and numerous items like totes and backpacks that need the use of breathable fabric.
This is a fine mesh net fabric which is most commonly used for manufacturing wedding veils. It is also used in decorating wedding gowns, floral arrangements, wedding favors, evening gowns, lingerie, costumes, window treatments, hats and gifts. This is a versatile type of fabric which has been in use for over 300 years.
It is used by 3D Spacer Mesh Fabric companies for making outfits designed to smoothen the body, such as long-line panties, long-line bras, control slips and control-top pantyhose. These are used more often in making undergarments for women although shape-wear and abdomen reducing undershirts for men are also made of this fabric. The fabric lets the skin breathe and helps the body preserve its own shape. As compared to spandex and other stretchable fabrics, it offers more comfort. It is available in various types of colors, such as red, cream, black, white, pink and blue and even skin tones ranging from deep brown to pale peach.
This is a porous, lightweight material which is used for making outfits as well as for the production of beekeeping veils, birdcage covers, laundry bags, screens in campers and tents and lots of other items. This is a long-lasting fabric and can get be retained for a long time, although even these may get torn and worn-down. Sticky nylon mesh patches can be used to repair these fabrics. Nylon mesh dresses are usually sensuous in nature, and body hugging in form, although more conservative dresses can also be made with this kind of fabric.
Source by Steven Johnson
Have you ever wondered why you still spend night after night with pizza and whatever it was on TV? You think that life doesn’t get better than that. True, enough. But, have you ever thought what the night could have been if you are with someone special, who cooks sumptuous dinner and watch these movies with you? And now you realize that life does get better than eating sloppy pizza and feeling sorry for yourself.
So, here are 6 cheesy pick-up lines inspired by flowers that will help you score a date. Try not to get tongue tied!
If you were a flower, I would pick you.
This is a pick-up line shows that you think she is the best from among her girl friends. It will help boost her confidence and will definitely give you the chance if this makes her smile. Be careful though! She can be secure and confident in herself and does not need reminding of her awesomeness. Save yourself by saying that you were voicing her thoughts.
If you hold 9 roses in front of a mirror, you’d see 10 of the prettiest things in the world.
She may find this sweet or call your bluff to score from her. Nevertheless, this sweet line may charm her into getting that her number. What’s the harm in trying, right?
If I have a garden I’d put our two lips (tulips) together.
Did I just hear a slap? She may find this line to be bordering on rude. A funny pick-up line should be treated as it is, a joke. You should deliver it well only meaning to make her laugh. This may be the funniest thing she heard for the day.
If a flower grows every time I think of you, I’d have a field of them.
It is creepy how much you think of her. This can both ways, she thinks it is disturbing or flattering. If she thinks the former, then you may have lost your chance. If the latter, then go for it!
Are you a eucalyptus? Because you’ve achieved my koalafications.
It is a perfect segue for inviting her to a spa weekend. You can both have fun in this elaborate pick-up line turned romantic date.
Roses are red, violets are blue, the moment I saw you, I knew the one is you.
This is as sweet as pick-up lines can get. It may sound like a bad case of poorly thought wedding vow. But, for a guy who is seeking for his significant other, the one might just be in front of you smiling from that statement.
After reading (and laughing) all through these uber sleazy pick-up lines, you will realize (I hope) that being yourself (although cliche) is the best conversation starter. Do not be afraid to compliment her or say hi or even smile. She can see sincerity even from afar.
Source by Lexxa Molijon
Family is very important part of our everyday life. It helps us in improving our personality. It also helps us in shaping our life. It teaches us the value of love, affection, care, truthfulness and self-confidence and provides us tools and suggestions which are necessary to get success in life.
Family is a place where you can be yourself. It is a place where you are accepted for what you are. This is where you are completely tension free and everyone is there to help you. Family encourages you when you are surrounded by problems. It helps you survive through tough times and bring joy and happiness into life.
Decency is very important in the communication of daily life. It helps us make strong relationship with others and make us come across as a very gentle, intelligent and likable person. Everyone loves to be in a company of such person. Family helps bring decency into our life which is necessary to lead a happy life.
One of the most important aims of our life is to build a successful and highly rewarding career. Our families help us in creating a strong future. It gives us valuable suggestion about different career prospective. It not only guides us in choosing the best but also financially helps us to cover the expenses of education. Thus it helps us in making a good future.
The importance of family is probably realized when one went to holiday or celebrate an occasion without family members. It was very hard to celebrate an occasion or went to holiday without being surrounded by family members. At that time probably we realize that how important they are to us. At that time, we came to know about the importance of our families.
Today, most people don’t realize the importance of family. They prefer to spend most of their time with their friends. But when they are surrounded by problems, it was their family that helped them get rid of problems. At the time, when even our best friends refuse to help us, it was our family that came to help us. So it is very important for each and every individual to give importance to their families above anything else and enjoy spending time with family members.
Source by Karan Kapoor
Want to save for a rainy day and don’t know where to keep the extra money? Though investment avenues are multifarious, but more versatile are the reasons for which a person plans to save. Some want to just keep aside a portion of money and use it in the future when a big corpus is created (which is nothing more than sum total of amount saved every year), while others want their money to return to them after increasing.
Age old habit of keeping money in savings account in banks has somewhat lost many of its takers; reasons are many to quote. Interest rates have slashed down in recent times, one of the most popular reasons to begin with. In addition to these, newer investment options have popped up in recent times and performed beyond expectations. So, investing in mutual fund has proved to be an enticing option for those investors who are profit-oriented in thinking, and who doesn’t want extra money.
If you observe closely, people have been saving since times immemorial. Mutual fund companies have just given a systematic garb to the people’s savings habits. When mutual funds were not around, a group of people used to pool together a specific amount from each member, and by the way of lottery they used to declare the beneficiary of the collected money for the month. (This system is still functional at informal level!)
Now let’s take a look at the mutual funds that are somewhat analogous to this practice of pooling money. Companies dealing in mutual funds not only collect money from the investors, but also look for premises such as stocks of the companies, debt instruments, and other assets that are considered profit-yielding options. Money invested by the individual investors and pooled together by the fund managers is used for – infrastructural developments, to carry out an ambitious infrastructural project of a company or for bringing some technological innovation – that is of great use to the inhabitants of the country. All these reasons give way to the possibility of earning returns from the money that investors give to their fund managers, from savings point of view.
Investment made in mutual funds grows due to power of compounding and averaging of return-cost ratio. By giving your money to the fund manager to invest, you are handing him over the responsibility of managing your corpus. Thus, he re-invests returns made by your money at a constant rate every year and other returns generated in the form of interest, dividends etc. also keep appending. That is why, there is an appreciable increase registered in the amount you invested at the end of the investment period. This is the main principle behind the working of a mutual fund.
Past performance figures reveal that investors putting their trust in mutual fund investments were able to earn 15-20% returns, on an average. At times, it has grown to as high as 30-40% too. Since there is an intelligent mix of market-oriented and debt-based options in a typical mutual fund, the risk also is comparatively less, as compared to pure equity-based instruments like, stocks.
Thus, by savings in mutual funds, an investor meets a variety of purposes:
1. He is able to earn extra from his own savings
2. He is indirectly contributing to the economic development of the country
3. He is creating extra income for himself to meet the unforeseen expenses
4. And last but not the least, he is securing his future too.
Costs involved in investing in mutual funds comprise of transaction costs, asset management cost, holding fees and other implied taxes. Thus, the amount that is actually invested is your money minus all the taxes. Mutual funds perform in spite of all these costs, such is the power of compounding. To make more out of your money, it is advisable to keep the money for the long term. So, if you are looking for the investment option that is yielding like a stock but safer than it, then mutual funds prove to be the smartest choice.
Source by Kunal Agrawal
So you are smart enough to practice safe sex (preventing both pregnancy and STDs) by properly using a condom. But what do you do with the condom when you are done with it? Here are some hints on environmentally-friendly condom disposal.
Firstly, don’t flush your condoms, ever! Flushing condoms is not the way to deal with them. Condoms can clog the plumbing in your house (or the plumbing wherever you happen to be). This can be an expensive and embarrassing situation. If the condom manages to make it through your septic system, it will only end up with the solid waste. This means that somebody has to pull it out of the sewage treatment, which isn’t pleasant for anybody. The condom might even make it past the treatment plant. This is not good because it means that it could end up in the water supply, and the last thing we need is more pollution in our rivers, lakes, and oceans.
Not all condoms are made equally. Most condoms are made of latex, which means that they will biodegrade. Latex, however, does not biodegrade when it is under water, which is why it is not good to flush your used condoms. Condoms are not entirely made of latex, however, and the other things on condoms (spermicide, lubricant) might affect the biodegradability. The best option seems to be to send them to a landfill and see how they pass the test of time.
Some condoms, including all female condoms, are made of polyurethane, a type of plastic. These will not biodegrade. There is no option, however, except to put them in the garbage, because your local recycling depot won’t recycle used condoms. They won’t even recycle new condoms.
Other condoms are made of lambskin. These are completely biodegradable condoms. Don’t run out and get lambskin condoms just yet though! Lambskin condoms do not protect against sexually transmitted diseases. The pores in the lambskin are small enough to stop sperm, and so prevent pregnancy, but the pores are large enough to let sexually transmitted diseases and infections through. This option is only viable for people in monogamous relationships who have been tested for sexually transmitted diseases. If this is the case, you could consider an even more environmentally friendly barrier form of birth control such as a diaphragm, cervical cap, or shield. Ask your doctor what is best for you.
Regardless of what material of condom you use (latex, polyurethane, or lambskin), you are going to have a wrapper to dispose of. These foil wrappers will not biodegrade, nor can they be recycled. This simply has to be put in the garbage.
Even if your latex or lambskin condoms are biodegradable, it is best not to try to compost or bury your condoms. Animals will smell the human scent and try to dig up what you have buried. This means that there will be unsightly used condoms around. Burying your condom is tantamount to littering: and there are better ways to deal with your condoms available.
So, in the end, what is the best way to dispose of your condoms? The best thing is to wrap it in a bit of toilet paper or paper towel (or any other biodegradable material: think paper bases such as paper bags) and then to put it in the garbage. Don’t wrap your condom up in plastic, as then it certainly won’t biodegrade. The good news is that the semen and vaginal fluid on the condom certainly will biodegrade, and might facilitate the condom biodegrading.
And lastly, remember…never reuse a condom. Although reduce, reuse, and recycle is the motto for environmentalism, you need to put your health first on this one. Don’t minimize your condom use, don’t reuse your condoms, and it’s too bad that you can’t yet recycle them. To think on an environmentally broader scale, using condoms is environmentally friendly because it is preventing the spread of communicable diseases. It is also preventing conception, and children have been documented to be hugs consumers of global resources.
Hopefully soon we will be able to figure out an environmentally friendly way to practice safe sex. Until then, we’ll make do with what we can, and we will continue using condoms.
Source by Lilith Mill