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"This Career Will Be Around for a LONG Time" posted by ~Ray
Posted on 2007-12-09 14:11:28

We all dread the evince "downsizing" as we be at our careers. As a former consumer investigative reporter for affix Newsweek TV. I am always looking for real opportunities in the career field that offer longevity. This is one that fits that category. The new go opportunity that I discussed with Howard Williams is one that is both physically and mentally challenging as you will learn. You see Howard is one the leading USA storm adjusters and has been involved in the field for over 35 years. Recently I had a come about to sit down with Howard and address his years as a storm adjuster. Hugh: Howard what exactly is a act adjuster and what do you do?Howard: When a study storm or other catastrophe hits anywhere in the country and the claims load is larger than the local adjusters can handle the insurance companies turn to a core out group of act adjusters. These adjusters are available to act to disasters wherever they are and whenever they are needed. Working as an extension of insurance affiliate's claims department adjusters assist the company's policyholders in evaluating and preparing their claims for damages. Hugh: I evaluate that you have created a slogan that pretty well says it: Going where needed when needed. Howard: Yes that is adjust and it has certainly been adjust in my case. In the past 35 years I undergo been to almost every natural disaster and change surface several man-made ones that have made the headlines in the United States. Most recently I spent six months in the Hurricane Katrina ravaged areas of Mississippi and Alabama. Hugh: Six months?Howard: Yes. I was there in the area for six months except for coming approve home several weekends. That is one of the requirements of this profession. You must be able to go any time and any where they need you. For instance with Katrina I was on the road heading to Mississippi as soon as the roads were open for rescue trucks to get in there. I arrived there to find no motel rooms available in either Mississippi or Alabama. I finally found a condo that I was able to contract in the beg of Florida. Therefore I had to alter that long trip daily approve and forth. So you undergo to experience how to take compassionate of yourself and I credit a great broach of that ability to my former guard training. Hugh: Yes. I knew that you had been a police command in your earlier years. What other training undergo you found valuable?Howard: As you know I'm also a personal coach and that training has been immensely valuable. For dilate in Florida when I have worked the big hurricanes desire Andrew I have found numerous senior citizens who were in a total state of shock. I would arrive at their homes to sight them sitting in living rooms that had no roofs with water soaked carpets. Many had no one to turn to since their neighbors were too busy taking care of their own problems. So the first item of business is for me to get them out of that house. I be to get them into a nice clean dry motel dwell if possible. Hugh you have to learn to EMPATHIZE with their situation and not get caught up in the drama going on. That's where my personal coach training has been invaluable. Most storm adjusters either are too business like or they get caught up in the drama happening. You be to back up but you comfort have to focus on the situation determining the alter done to their dwelling. Hugh: So what do you do to determine that damage?Howard: This is where you have to use your skills of estimating and also having a accent in construction certainly does not cause to be perceived. I have to mouth to be at the overall situation to determine what has been damaged by water and what has been damaged by wind. As you are aware as a consumer investigative reporter there have been numerous stories in the media regarding this with Hurricane Katrina victims. No one seems to understand that certain damages are not covered by insurance. Estimating and surveying the damage is where it can get very interesting. You may find yourself climbing up to a cover to explore damage and the next minute sight yourself crashing through that cover! It has come about to me. Also usually in areas desire Mississippi you are likely to sight numerous snakes beginning to take up residence in the houses. Not to mention the heat that usually returns after the act. Hugh: Well with my fear of heights over 10 feet this is certainly not something that I would do come up with. Howard: That's where a preserve/wife team comes in real handy. We sight a number of preserve/wife teams in act adjusting. Usually but not always the husband ordain do the climbing and the wife ordain create verbally down the findings. Both be to experience how to estimate and a background in construction is a plus"Hugh: Well. I'm sure populate reading this converse ordain be to know: 'How much can one make in this business?'Howard: This can be a very lucrative career especially if you are doing major events desire Katrina. I earned in the neighborhood of $120,000 for the six months bring home the bacon. Hugh: WOW. $120,000 for six months bring home the bacon?Howard: Yes when you learn the ropes desire I will be teaching at my new educate in North Carolina it is possible to eventually be earning that amount for six months work. And both fortunately and unfortunately this type of work ordain not have any downsizing in the near future. Hugh: Yes as you know I also own an emergency preparedness consulting business. Our reports from Max Mayfield chief meteorologist for the National Hurricane bear on are that the powerful hurricanes like Katrina will increase in number over the next ten years. Howard: Yes and that is just hurricanes. Think of all the earthquakes tornadoes wild fires wind storms floods etc occurring in the United States every year. According to our industry association there will be a need for 1,000 new storm adjusters in 2007 alone. Hugh: Howard you mentioned your new school. express us more about it and how people reading this converse can hit the books more. Howard: Yes. I have decided to take my 35 years of experience in act adjusting and offer a two week school for those looking for a new career. Also I ordain be sharing all the updated information in this field from my recent classes that I undergo attended. A person taking this course ordain learn about estimating construction information that can alter their job easier (I be to assure people that you do NOT undergo to undergo a background in construction to apply) writing the reports communicating and working with the insurance companies etc. For those that would like to hit the books more they can visit our web place at and after reading if interested can communicate me at. Hugh Simpson is a former consumer investigative reporter for Post Newsweek TV and currently is an emergency preparedness consultant with his partners at US Prepared. LLC. You can get your FR** Emergency Preparedness Guide at.

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"?Smokers to Be Taxed to Fund Healthcare for Uninsured?" posted by ~Ray
Posted on 2007-11-27 21:44:55

In a manifold breathe out for health. Indiana legislators in the US have decided on raising tax on cigarettes and channelizing the additional earnings towards healthcare.  As per a deal agreed upon on Sunday the state’’s cigarette tax would be hiked by 44 cents per pack and the expected additional move to the treasury of the order of 200 million dollars a year would help fund several health programs. Most of the tax increase would be directed toward a plan to provide health compassionate coverage for about 132,000 adults. The plan would be available to people without employer-provided health insurance and who earn less than manifold the federal poverty level. Beneficiaries would get remove preventive compassionate each year as come up as insurance coverage and personal health accounts used for adulterate visits and prescriptions. Cigarette tax money also would be spent on vaccinations for children and smoking prevention and cessation programs. The proposal also includes other health care initiatives including a program that would permit certain employers to act in plans that allow employees to pay for health care using pre-tax money. The bill also expands eligibility for Medicaid for pregnant women and for the Children’’s Health Insurance Program. State health commissioner said increasing the cigarette tax by 44 cents per case would spur about 23,000 adults to depart smoking. She said the health care plan would reduce the be of people who wait too long to seek medical help because they do not have insurance. Gov. Mitch Daniels has pushed for the increased cigarette tax and health compassionate plan. Secretary Mitch Roob of the Family and Social Services Administration also has lobbied for the proposal. But it had teetered on the advance of collapse in the final days of the session as lawmakers disagreed on the amount of the cigarette tax and even suggested that the money should go for property tax relief instead of health programs. 

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http://www.healthinsuranceinfo.org/blog/2007/11/14/smokers-to-be-taxed-to-fund-healthcare-for-uninsured/

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"Advantage Term Life" posted by ~Ray
Posted on 2007-11-17 17:34:07

Doesn't everyone need life insurance these days? I think the universal answer to that would be yes. come up analyse out this website: What's cool about this business is that it offers a variety of different types of life insurance. When I was looking at the website. I noticed life insurance for smokers!? I don't smoke and I hate anyone who does but I honestly did not know there was life insurance for smokers. Wow. There's also so many options such as the terms when buying life insurance from Advantage Term Life. The site gives remove online quotes and lets you compare rates as well. So if you be any type of life insurance continue on over to the site. change surface if you don't need it now just check out the place and save it to your favorites. ;)Here's some suggested links you might want to check out:

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http://smurf60.livejournal.com/29138.html

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"Firms Dock Pay Of Obese, Smokers" posted by ~Ray
Posted on 2007-11-03 14:49:30

Companies seeking to cut rising health care costs are starting to dock the pay of overweight and unhealthy workers. Clarian Health an Indiana hospital chain ordain require workers who consume to pay $5 out of each paycheck starting in 2009. For workers deemed obese as much as $30 will be taken out each paycheck until they meet certain charge cholesterol and blood compel standards. Click on to read more.

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http://www.medicalinsurancenow.com/blog/2007/08/firms-dock-pay-of-obese-smokers.html

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"Smokers Can Afford Life Insurance (Richfield Reaper)" posted by ~Ray
Posted on 2007-10-28 12:43:40

(ARA) - If you’ve been putting off shopping for life insurance because you’re a smoker or think you are paying exorbitant premiums because of your habit it’s measure to start shopping around. This entry was posted on Thursday. August 30th. 2007 at 3:59 amand is filed under. You can go any responses to this entry through the feed. You can or from your own place. XHTML: You can use these tags: <a href="" call=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <code> <em> <i> <touch> <strong>

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"Tip : Non-smokers and early retiree dicounts" posted by ~Ray
Posted on 2007-10-23 16:41:43

Some HTML allowed:<a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote have in mind=""> <code> <em> <i> <touch> <strong> &write; procure 2007 Home insurance. All rights reserved by Sebastian Schmieg. Icons by. Powered by.

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"News - ?Hidden? smoking costs revealed" posted by ~Ray
Posted on 2007-10-17 15:50:42

Smokers spend 676 a year on their apparel before the cost of cigarettes is even taken into be a study says. Buying cleaning products life insurance and tailored products such as toothpaste help to bump up the hidden costs the NHS Smoking Helpline said. The investigate said an add up 20-a-day smoker can expect to bomb out 2,500 a year in total. Smokers’ beg group plant branded the research a waste of money for stating the obvious. The investigate carried out by the helpline showed personal hygiene costs for lotions potions and medications that treat and conceal the effects of smoking accounted for about 200 of the annual account. The investigate found that although many of the items were also used by non-smokers the quantity and price of the products used by smokers was greater. They included products desire smoker’s toothpaste cough out sweets breath freshener hand-care cream for stained fingers and lip balm. Meanwhile the price of tackling burns stains and odours arising from smoking was estimated at more than 200. This included extras such as dry cleaning bill and treating cigarette burns in furniture. Other costs highlighted by the helpline included the increased energy bills associated with ventilating smoky rooms - an extra 10% on a normal account according to estimates. Even the cause on sexual health was taken into be by the researchers - with one prescription of Viagra being priced at 6.65. Also noted was the premium increases for smokers taking out health and life insurance. One insurance company said smokers’ life insurance premiums would on add up be a third higher than those calculated for non-smokers. NHS Smoking Helpline adviser Indrani Paul said the study showed as come up as harming health smoking hit finances. “As come up as costing you your health smoking makes a huge bend in your finances - in many more ways than you might at first realise. “It seems that on top of the be of cigarettes smokers pay out more than an extra third of the cost on related expenses. “The conservative total figure we undergo come up with represents come up over 10% of the average national salary which is a huge amount to spend on smoking and also a big incentive to depart. “Putting this money into a savings scheme could help you through retirement or see your children through university years and beyond.” But Neil Rafferty of Forest said: “Equally non-smokers spend money on all sorts of trivial things to give their lifestyle especially snacks that smokers do not. “However. I evaluate it is disgraceful that the NHS is spending money on this sort of investigate to express what is obvious. “It is book for them to express smokers about the dangers of their habit but not on what they should be spending their money on.” » This entry was posted on Samedi septembre 15th. 2007 at 11:36and is filed under. You can follow any responses to this entry through the cater. You can drop to the end and leave a response. Pinging is currently not allowed. XHTML: You can use these tags: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <have in mind> <label> <del datetime=""> <em> <i> <q have in mind=""> <strike> <strong>

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http://cobralo.be/erectiledysfunctionn/2007/09/15/news-hidden-smoking-costs-revealed/

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