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I'm getting a lot of inspiration from FaceBook lately as all these food pictures and videos are popping up.  This recipe comes from The Stay At Home Chef . I got all excited when I realized I had every ingredient to make this for lunch today.  It only took a about ten minutes to make, so easy and healthy.  I love tuna but I usually load it with mayo and make it into a cheesy grilled tuna melt .   I won't be giving up my tuna melts but these delicious stuffed avocados will be making an appearance often!   This recipe is easily made for one, two or more.  Today I just made one avocado so I used one can of tuna and a little of each ingredient.  For a light lunch I could see just eating one of the halves BUT I had no one to share these with today so I ate the whole thing!  YUM! Ingredients: 4 avocados, halved and pitted 4-5 oz. can solid white tuna  (albacore packed in water), drained 1 tablespoon red onion, finely diced 1/2 red be...

Birthdays should ALWAYS be cause for celebration, not lamentation!  Eat cake! There was a time when I really cared about fitting in.  I cared about liking the right things and discounting the wrong.  I wore clothes others thought looked great even if I felt like a clown parading around like a queen.  Those days are long gone.  I'm older, and hopefully a little wiser.  With age comes experience and the experiences I've had the last year have opened my eyes to a whole new world- a world in which my contributions matter more than my size.  My relationships matter more than my weight.  My creative output matters more than my race times.  I've taken a step back the last twelve moths and reevaluated my trajectory and come to the conclusion that life is short.  We should make it matter.  I can enjoy the Real Housewives of Beverly Hills and still be the intelligent woman who can debate the merits of a political candidate. Click on the link ...

Check out how the world's largest and fastest growing economies change over time from 2008 up to 2020. China is growing by leaps and bounds while the front runner the United States are steadily growing. By 2020 US GDP is estimated to grow to $22.5 trillion while China is estimated to grow to $16.2 trillion. At 3rd will be Japan at $4.9 trillion, 4th is Germany at $4.1. Check out the CNN Graphics here Estimated; Data: IMF, World Economic Outlook; Updated Feb. 11, 2016

The phone rings and the first question is "why do I need an appraisal for my taxidermy mounts"? Answering this question is easy, do you realize what you have invested in your trophies? Do you know the current replacement value of each taxidermy mount? Most hunters have never stopped to actually think about the investment that they have in all their taxidermy mounts. Also they don't have a list or pictures of each mount. It is very important to have all your mounts cataloged and multiple photographs of every trophy mount available incase of a disaster. Keeping an electronic copy in the cloud or burnt on a CD in multiple places is and excellent idea. You could also have a bound copy or two at different locations, copies can be printed and bound at most office supply stores. I would highly suggest getting a certified personal property appraiser to do this all for you, they will provide you an insurance appraisal. This report should include three photographs of every taxiderm...

The phone rings and the first question is "why do I need an appraisal for my taxidermy mounts"? Answering this question is easy, do you realize what you have invested in your trophies? Do you know the current replacement value of each taxidermy mount? Most hunters have never stopped to actually think about the investment that they have in all their taxidermy mounts. Also they don't have a list or pictures of each mount. It is very important to have all your mounts cataloged and multiple photographs of every trophy mount available incase of a disaster. Keeping an electronic copy in the cloud or burnt on a CD in multiple places is and excellent idea. You could also have a bound copy or two at different locations, copies can be printed and bound at most office supply stores. I would highly suggest getting a certified personal property appraiser to do this all for you, they will provide you an insurance appraisal. This report should include three photographs of every taxiderm...

A newborn baby brings bundles of joy and happiness in the family. When a baby is born, it is said that the parents are blessed with the baby. This statement in itself is sufficient to explain the importance of a newborn in the family. It is the prime responsibility of parents to take care of the newborn in the best possible manner. There are times, when a baby requires to go through some immediate medical care in order to adjust as per the world. Sometimes, babies are born with some birth related issues and thus, require treatment. In India, a large number of people get health plans so that their health care needs are met. If you are working in private sector, then your company may have taken a group insurance policy under which maternity is covered comprehensively. But, most of the times, medical insurance including the group insurance policies do not cover a newborn baby. The reasons are quite apparent. There are lot of possibilities that a newborn requires medical treatment immediat...

A newborn baby brings bundles of joy and happiness in the family. When a baby is born, it is said that the parents are blessed with the baby. This statement in itself is sufficient to explain the importance of a newborn in the family. It is the prime responsibility of parents to take care of the newborn in the best possible manner. There are times, when a baby requires to go through some immediate medical care in order to adjust as per the world. Sometimes, babies are born with some birth related issues and thus, require treatment. In India, a large number of people get health plans so that their health care needs are met. If you are working in private sector, then your company may have taken a group insurance policy under which maternity is covered comprehensively. But, most of the times, medical insurance including the group insurance policies do not cover a newborn baby. The reasons are quite apparent. There are lot of possibilities that a newborn requires medical treatment immediat...

We have all had a dishwasher that puttered out or a washing machine that sat idle with clothes floating in a well of water. Fixing creaky old appliances can be costly, and it often seems there is no way of avoiding such expenses. However, many owners and renters have found a solution: purchasing a condo warranty. Unlike insurance-which covers natural disasters, calamities, and theft-a warranty is a service contract that, among other things, covers major appliances for members of a condominium. These warranties are specifically designed to work within the existing support structure and services provided by your association, so you only pay for the protection you need. Here are four ways a condo warranty can benefit you. Covers Major Home Appliances and Systems While the definitions of major systems and appliances may vary from policy to policy, a condo warranty will typically cover HVAC, plumbing, electrical, hot water heaters, garbage disposals, dishwashers, stoves and ovens, washers a...

We have all had a dishwasher that puttered out or a washing machine that sat idle with clothes floating in a well of water. Fixing creaky old appliances can be costly, and it often seems there is no way of avoiding such expenses. However, many owners and renters have found a solution: purchasing a condo warranty. Unlike insurance-which covers natural disasters, calamities, and theft-a warranty is a service contract that, among other things, covers major appliances for members of a condominium. These warranties are specifically designed to work within the existing support structure and services provided by your association, so you only pay for the protection you need. Here are four ways a condo warranty can benefit you. Covers Major Home Appliances and Systems While the definitions of major systems and appliances may vary from policy to policy, a condo warranty will typically cover HVAC, plumbing, electrical, hot water heaters, garbage disposals, dishwashers, stoves and ovens, washers a...

Designed to cover professional practitioners against claims of negligence made by clients or patients, professional liability insurance goes by many names. When used in the medical profession, it is commonly called medical malpractice coverage. Notaries public also require this security, but they refer to it as errors and omissions insurance. Real estate brokers, management consultants, and even website developers are all eligible for protection. What's It For? Insurance is used to protect people in case something unfortunate happens. Auto policies protect them in the event of an accident; medical policies protect them from unexpected illnesses; commercial policies protect them from a number of mishaps. If there is a fire, theft, or an accident on the job, the commercial variety will cover it. Why You Need It Few companies are fortunate enough to survive for a protracted period of time without getting sued by a client, customer, or employee. Liability coverage from an insurance com...

Designed to cover professional practitioners against claims of negligence made by clients or patients, professional liability insurance goes by many names. When used in the medical profession, it is commonly called medical malpractice coverage. Notaries public also require this security, but they refer to it as errors and omissions insurance. Real estate brokers, management consultants, and even website developers are all eligible for protection. What's It For? Insurance is used to protect people in case something unfortunate happens. Auto policies protect them in the event of an accident; medical policies protect them from unexpected illnesses; commercial policies protect them from a number of mishaps. If there is a fire, theft, or an accident on the job, the commercial variety will cover it. Why You Need It Few companies are fortunate enough to survive for a protracted period of time without getting sued by a client, customer, or employee. Liability coverage from an insurance com...

Don't invalidate your fire insurance policy. I find this a very strange case but it just shows how important it is to read the small print as if you ignore the conditions of the policy your policy could be invalidated. In this case it was a condition of the FIRE insurance that the SECURITY Alarm was maintained and monitored. Times had been tough for the insured and he let the maintenance of the security alarm lapse and as the ARC had not been paid for 6 months they stopped monitoring the site. Vandals broke in and set fire to the factory. It was a furniture company and they incurred losses of over £750,000. The case went to the High Court, the judge had nothing but sympathy for the Directors of the Company and he took 'no pleasure' in ruling that as it was a condition of the combined insurance policy that alarm was to be monitored by an external firm, the Insurers did not have to meet the claim. There are often conditions attached to the insurance policies we take out which...

Don't invalidate your fire insurance policy. I find this a very strange case but it just shows how important it is to read the small print as if you ignore the conditions of the policy your policy could be invalidated. In this case it was a condition of the FIRE insurance that the SECURITY Alarm was maintained and monitored. Times had been tough for the insured and he let the maintenance of the security alarm lapse and as the ARC had not been paid for 6 months they stopped monitoring the site. Vandals broke in and set fire to the factory. It was a furniture company and they incurred losses of over £750,000. The case went to the High Court, the judge had nothing but sympathy for the Directors of the Company and he took 'no pleasure' in ruling that as it was a condition of the combined insurance policy that alarm was to be monitored by an external firm, the Insurers did not have to meet the claim. There are often conditions attached to the insurance policies we take out which...

Let's begin with the question; why are agency values important? Agency values are important because they will likely determine the success or failure of your agency. Now that gets my attention. Whenever the success or failure of a business venture rests on one concept, it warrants the time and effort to understand what's behind the question; what focus or concept do we believe will best produce the result we desire. So, one might ask; just exactly what are some agency values. To begin, Values are what drives effort and effort is what produces results, good or bad. Effort in the wrong places seldom produces the right results. So there are really two things here that are important-Effort and Direction. While both are important, Effort comes first-you gotta have some before you can direct it. Today we are only talking about Effort, Direction is for another day. An example of how values drive Effort is often and most visibly played out in sales. A lot of sales activity (Effort) oft...

Let's begin with the question; why are agency values important? Agency values are important because they will likely determine the success or failure of your agency. Now that gets my attention. Whenever the success or failure of a business venture rests on one concept, it warrants the time and effort to understand what's behind the question; what focus or concept do we believe will best produce the result we desire. So, one might ask; just exactly what are some agency values. To begin, Values are what drives effort and effort is what produces results, good or bad. Effort in the wrong places seldom produces the right results. So there are really two things here that are important-Effort and Direction. While both are important, Effort comes first-you gotta have some before you can direct it. Today we are only talking about Effort, Direction is for another day. An example of how values drive Effort is often and most visibly played out in sales. A lot of sales activity (Effort) oft...

Cyber security has become a growing concern for U.S. companies over the past couple of years, and for good reason. Information breaches have not only become increasingly common, but also much larger. Nothing illustrates the state of modern web security quite as well as the most recent breach, which saw hackers target the IRS by exploiting faulty security to compromise over 100,000 taxpayer records. Similar breaches have also affected much smaller companies, and it's common to see a forward-thinking insurance company racing to adapt. Here is what you need to know to determine if, first, you're actually in need of cyber insurance and, second, what you should look for in a policy. Are You At Risk? If you work with customer information of any kind, then the answer is likely yes. The term to look out for here is Personally Identifiable Information, or PII. It's not a technical term, but rather a legal term that carries some teeth if you have to deal with it. At its root, PII is ...

Cyber security has become a growing concern for U.S. companies over the past couple of years, and for good reason. Information breaches have not only become increasingly common, but also much larger. Nothing illustrates the state of modern web security quite as well as the most recent breach, which saw hackers target the IRS by exploiting faulty security to compromise over 100,000 taxpayer records. Similar breaches have also affected much smaller companies, and it's common to see a forward-thinking insurance company racing to adapt. Here is what you need to know to determine if, first, you're actually in need of cyber insurance and, second, what you should look for in a policy. Are You At Risk? If you work with customer information of any kind, then the answer is likely yes. The term to look out for here is Personally Identifiable Information, or PII. It's not a technical term, but rather a legal term that carries some teeth if you have to deal with it. At its root, PII is ...

Insurance is great. Yes, it can be a hassle to find. Sorting out the pricing and policies can be complicated. So what if the whole thing could be made as easy as pushing a button? The great news is that it almost has. What Makes it Frustrating Making the monthly payment on a premium can be frustrating, but it's easy. Once you file a claim, you realize how much that monthly payment was worth it. Finding the right policy, on the other hand, can be a challenge. There are policies for your home, condo, apartment, motorcycle, car, and health. Also, there are many different companies. Getting insurance quotes from each carrier can take much more time than you have available. Once people find coverage, they rarely re-evaluate it to see if it is still the best option available. Technological Evolutions Luckily, the Internet has revolutionized insurance quotes. Trained agents can help you identify what your priorities are and which policy best meets your individual needs. Filling out a simp...

Insurance is great. Yes, it can be a hassle to find. Sorting out the pricing and policies can be complicated. So what if the whole thing could be made as easy as pushing a button? The great news is that it almost has. What Makes it Frustrating Making the monthly payment on a premium can be frustrating, but it's easy. Once you file a claim, you realize how much that monthly payment was worth it. Finding the right policy, on the other hand, can be a challenge. There are policies for your home, condo, apartment, motorcycle, car, and health. Also, there are many different companies. Getting insurance quotes from each carrier can take much more time than you have available. Once people find coverage, they rarely re-evaluate it to see if it is still the best option available. Technological Evolutions Luckily, the Internet has revolutionized insurance quotes. Trained agents can help you identify what your priorities are and which policy best meets your individual needs. Filling out a simp...

Protection for You You've got a state-of-the-art child daycare built around a warm, clean and safe atmosphere. The teachers are handpicked professionals that give kids undivided attention, stimulation and fun learning. Children are happy. Staff is fulfilled. Parents are proud. What could go wrong? Unfortunately, a lot of things - that your general business liability insurance does not cover. Childcare Claim Examples that Really Occurred! • Third Party Liability: After a Montessori School stated they could not admit a child due to licensed limited capacity, the parents sued for racial discrimination. The parents insisted that the school had a non-admission policy for African American children and mentioned the fact that the student body did not contain even one African American. Defense and Settlement costs totaled: $67,000. • Internet / Email Liability: An administrative assistant for a childcare facility sent an email to all employees instead of her intended single recipient. The ...

As the name implies, an executive pension plan is a tax-efficient savings plan designed especially for executives, senior executives, key employees and directors of a company. It is one of the best forms of pension schemes that enable the executives to get a tax-free income after retirement. How does this work? Executive Pension Plan is regulated by the Pensions Regulator. In most cases the employer pays into the plan, in others, both the employer and the employee pay in the plan. Thus a tax-efficient fund is designed for the employee. This is used to provide tax-free cash and a pension income to the executive after his retirement. Executive pension plans are similar to any other pension schemes in which they function as money purchase occupational pension schemes. Normally, Executive Pension Plans (EPPs) are designed by the company directors for their personal benefit. But it can be utilized by their favoured key employees with the same levels of income that this investment can offer....

Protection for You You've got a state-of-the-art child daycare built around a warm, clean and safe atmosphere. The teachers are handpicked professionals that give kids undivided attention, stimulation and fun learning. Children are happy. Staff is fulfilled. Parents are proud. What could go wrong? Unfortunately, a lot of things - that your general business liability insurance does not cover. Childcare Claim Examples that Really Occurred! • Third Party Liability: After a Montessori School stated they could not admit a child due to licensed limited capacity, the parents sued for racial discrimination. The parents insisted that the school had a non-admission policy for African American children and mentioned the fact that the student body did not contain even one African American. Defense and Settlement costs totaled: $67,000. • Internet / Email Liability: An administrative assistant for a childcare facility sent an email to all employees instead of her intended single recipient. The ...

As the name implies, an executive pension plan is a tax-efficient savings plan designed especially for executives, senior executives, key employees and directors of a company. It is one of the best forms of pension schemes that enable the executives to get a tax-free income after retirement. How does this work? Executive Pension Plan is regulated by the Pensions Regulator. In most cases the employer pays into the plan, in others, both the employer and the employee pay in the plan. Thus a tax-efficient fund is designed for the employee. This is used to provide tax-free cash and a pension income to the executive after his retirement. Executive pension plans are similar to any other pension schemes in which they function as money purchase occupational pension schemes. Normally, Executive Pension Plans (EPPs) are designed by the company directors for their personal benefit. But it can be utilized by their favoured key employees with the same levels of income that this investment can offer....

"I chew gum because it distracts me from eating and helps curb my appetite." Those that think chewing gum can be used as an aid to dieting or to maintain proper food consumption, may have another thing coming to them. According to studies, the gains, made by the associated reduction of hunger, is mitigated by the resulting ingestion of less nutritious foods than non gum-chewers. Results of research in fact show that gum chewers are more prone to eat junk food, such as potato chips and candy. The junk food preference may well be the after-effects of the common gum mint flavor that causes fruit and vegetable to taste bitter. Desperately need that stick of gum? Check out these suggestions to curb food cravings and relieve life's stress; they may just be the perfect substitute! To reduce food cravings: • Drink more water • Exercise • Don't skip breakfast • Eat wholesome, protein-rich small meals, frequently, instead of three large daily meals • Satisfy yourself with tea T...

You are working so hard to meet the needs and desires of your family. You have high hopes for their future. All your efforts are sincerely driven so that they lead a good life and occupy respectable positions in the family. But as we all know about the uncertainty of life in this mortal world, things don't seem that bright once we are not there with them. They would miss our care, our guidance and of course the money that we bring in to sustain them. There comes the role of life insurance, specifically term insurance. Term plans are designed with the intension to replace your income and make your loss to your family easier to some extent. A fixed sum is agreed to be paid by the insurer at the commencement of the plan, which is in fact a considerable amount of money and proportionately very huge compared to the premium paid. Why compare term plans? This question is very important. The answer is not just difference in premium or different claim settlement ratios of companies. But dif...

While often overlooked, unemployment insurance (UI) tax is a unique and interesting business obligation, because it is the tax over which a company has significant control. The ability to control both the size of the base exposed to taxation as well as the tax rate itself means planning opportunities exist here that are not found in other forms of taxation. Consider that: It may be altogether avoidable, depending on your state, business structure and appropriate use of independent contractors, and It is highly responsive to behaviors and actions that you can control, monitor and measure. Unlike a sales or income tax, unemployment insurance does not directly tax revenue or profitability. Rather, it is similar to an ad valorem tax in that it is a type of tax on productive capacity. But unlike an ad valorem tax, a company has control over the base on which that tax is levied. UI is based on a measure of payroll and smart job structuring and hiring decisions allow a company to maximize rev...

Unemployment insurance (UI) is a form of insurance that American society has with itself. Its purpose to create a savings pool from which qualified workers can draw if they are out of work under certain circumstances. By receiving an income during periods of unemployment, recipients can afford basic necessities until they can again be productively employed. Considering how dependent the American economy is on consumer spending, the inability of people to engage each other economically can have drastic and eventually far-reaching consequences. The UI social safety net differs somewhat from other welfare type programs in that it is not based on economic need, but upon past employment history and the circumstances surrounding the worker's separation from their previous employment. People that have been in the workforce for longer periods of time are generally able to receive benefits for more weeks. Since UI is a form of replacement income, the dollar value of benefits a person can re...

If you're a Canadian and have been in the workforce for a decade or more, then you know that your income purchases less today than the first year of your working career. Inflation is a part of our society and while our government continues to devalue our money by printing more and more of it, inflation will undoubtedly continue. This is not only a Canadian concern though. All around the world people are feeling the effects of inflation due to excessive money printing; but more on that another time. The long-and-short-of-it all is this: YOUR MONEY WILL continue to BUY LESS as the years go by. A quick 100-year calculation using the Bank of Canada (BoC) inflation calculator showed the cost of a fixed "basket" of consumer purchases in 1915 was $100.00. At the end of 2015 that cost was $2,083.61. More recently, over the last 10 years prices have gone up 18.01%. Has your income gone up by the same or greater? The answer is probably, No. Whether you're a six-figure earner or...

Have you ever been sedated by general anesthesia and wonder what really occurs? A patient came into the office to receive a routine tooth extraction and to have a tooth capped. After the patient was sedated, the surgery began. The extraction went as planned and we began to proceed to cap the damaged tooth. As the surgeon examined the broken tooth, he discovered capping would not be beneficial; but to file it down. I felt as this was an act of generosity; he saved the tooth and the patient did not have to file such a large claim to the insurance company. When the case was completed the surgeon filled out the proper paper work, filed it with administration and informed the patient that the extraction and capping of the tooth went exceptionally well. While leading the patient out of the office I glanced at the super bill and under the column of procedures, the CPT code for capping a tooth was marked as if that procedure took place. As I approached the surgeon about this, I suspected it to...

Life gives you many alternatives. The most important decision you have to make is to choose among those alternatives. This task becomes even more complex when there are a large number of alternatives. It is a known fact that you are able to take good decisions when you have decent subject knowledge. With proper knowledge you are at a higher perspective. You are able to compare the options and go for the one which weighs highest amongst its competitors. When we talk about buying insurance policies, you would find that there are so many companies selling nearly similar products. Thus, here you would have to scrutinize carefully which company or product gives you the best deal. Having proper knowledge about the company liquidity, claims settlement ratios and their services would make your comparison better and would aid you to take the best possible decision. Analyze your needs and decide how much insurance you need. Calculate the premium charged by various companies for your type of insu...

When you need coverage, you should look to your insurance agency to find the right policy. You might not be aware of some of the policies available to you. While you might think your traditional insurance will cover everything, you might be surprised to find out where traditional homeowner's, rental, medical, and car coverage fall short. Different Types of Coverage If you should determine that you need any of these supplemental options, you should check with your insurance agency to find out whether they offer the coverage in question. Not all underwriters offer these policies. You may have to get these supplemental offerings from other agents. If you have a dog, then you might want to purchase a dog bite or "pet liability" plan. While you might think that your four-legged friend would never harm anyone, there is always a chance that it could happen. According to the Insurance Information Institute, half of all incidents happen on the owner's property. While homeowner...

What things should you keep in mind when looking for a way to make payments to your current insurer without any hassle? What does the insurance cover? Can you go for the online insurance option? Read on for the answers to these commonly asked questions. Most people tend to pay their insurance company whatever amount they demand in order to avoid the hassle. But is it compulsory for you to get car insurance quotes from a local company? No, you are not bound to do so, especially if you have access to the Internet. Almost, everything costs you loss if you buy it online, isn't it? So, why can't you get insurance quotes online? Of course, you can. How to get quotes? There is no doubt that the web has brought a revolution in the world of car insurance. Nowadays, getting insurance quotes from the comfort of your home is a piece of cake. There are so many insurance providers online that their quotes have become quite competitive. So, how can you get quotes online? Well, it is simple. A...