Lapband Vlog #5 - Walking: My Favorite Exercise
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Why walking is my favorite exercise, Omron JH-720ITC pocket pedometer with health management software (approx $30 on Amazon.com, If you need walking buddies join www.walkingspree.com, If you need a pedometer strap go to www.thepedometercompany.com/boxesandstraps.html
Duration : 0:5:12
Insurance Institute for Highway Safety: 2008 Top Safety Pick
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Thirty-four vehicles earn the Insurance Institute for Highway Safety’s TOP SAFETY PICK award for 2008. The award recognizes vehicles that do the best job of protecting people in front, side, and rear crashes based on ratings in the Institute’s tests. Winners also have to be equipped with electronic stability control (ESC), which research shows can significantly reduce the risk of crashing.
Compared with last year, automakers have more than doubled the number of vehicles that meet criteria for TOP SAFETY PICK. At the beginning of the 2007 model year, 13 models qualified, but as manufacturers have made changes and introduced new and safer vehicle designs, 10 additional vehicles qualified during the year. Now another 11 vehicles are being added to the list for 2008. Designating winners based on the tests makes it easier for consumers to identify vehicles that afford the best overall protection without sifting through multiple sets of comparative crash test results.
All current car and minivan models, small and midsize SUVs, and small and large pickup trucks are eligible to win TOP SAFETY PICK. Eight vehicles from Ford and its subsidiary, Volvo, make the list of winners for 2008. Seven winners are from Honda and its subsidiary, Acura.
Produced for Insurance Institute for Highway Safety (IIHS)
Duration : 0:2:53
What exact is whole life insurance, and how do life insurance companies profit from selling it?
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Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company profit from such a setup if they are bound to pay back an amount that is at least equal to the total amount paid?
I have tried to do some research on my own, but I still can’t seem to fully understand this matter. Any help will be greatly appreciated!
Basically insurance only works when a large groups of people own that particular insurance. Everyone pays to protect their income, but not everyone is going to use their insurance. So that’s how basically insurance companies stay in business, unless something extraordinary has happen in this country where there’s lots of people are filing for claims and the insurance company can’t pay them all (such as the Hurricane Katrina event).
What is whole life insurance?
1) Its a level term insurance to a specified age (usually to age 95, 98 or 100) plus cash value.
2) It is very expensive when compared to term insurance
3) Cash value grows at a very low rate of return. In the first 10 years, you see a negative return on your money. But long term average is anywhere between 1-4%, depending on the company.
4) If you want to take money out, you have to borrow it and pay loan interest of 5-8%.
5) If you die someday, the insurance company pay the face amount of the policy (minus loans and missed premiums) to the beneficiary, but they keep all the cash value.
6) If you do get to live by the end of policy date (when you around age 100), the insurance company pay you the cash value, but you lose the insurance.
There’s only one reason why that agent is trying to sell you whole life insurance: MONEY!
Next thing you’ll know, that agent would try to sell you universal life insurance, a product that is more horrible than whole life, but it pays out more commissions.
Go with your instinct and find a different company who would listen to your needs. I personally own a 30 year term insurance from Primerica and I also open my Roth IRA there as well.
TAG Income Opportunity - www.321-tag.com
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Saving you money is where we begin. tagopportunity is the new and inovative networking solution for those looking to create substantial additional incomes. You can become a tag member, tag club member or tag associate to benefit from the cash back and bonuses available according to which you choose. Vist http://www.321-tag.com to find out more.
Duration : 0:2:22
Zurich HelpPoint Flood Video Part 2
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Zurich’s online severe weather and flood guide provides important advice for coping with floods in the UK. The guide covers many aspects of flooding including advice on what to expect when making an insurance flood claim for your home, property and motor. The guide can be downloaded providing additional preventative measures to reduce the risk and impact of flooding. Our flooding video chronicles one family’s struggle to cope with extensive flooding to their home during last summers far reaching
Duration : 0:3:9
BIKER DOWN…. Police…Insurance
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I love the people who defend the fact that America is probably the only 1st world country without “free” healthcare….sigh.
NinjSeba’s YouTube channel: http://ca.youtube.com/user/azorea
His Videos: http://www.livevideo.com/NinjSeba
NinjSeba aka Azorea: “so far my bills directly for non doctor related medical is just over 130k us, then the doctors bills and labs are well they are high too, my immediate concern is my weekly treatments and medication costs, it runs me about 190 a week so I have pick and choose which of the meds I feel I need most since I can’t afford all the prescriptions each week.”
His paypal email is: kawasakimichael@comcast.net
Duration : 0:10:0
Burglar & Fire Safes with “Dye the Safe Guy”
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Hi, Dye the Safe Guy here, Dye Hawley manager of SafeandVaultStore.com. Today we are going to be talking about Burglar Fire Safes. First the construction, the fire rating, the burglar ratings and finally the locks.
Burglar Fire Safes have different ratings. A standard B-Rated safe doesnt have a tag on it; its just an industry standard that says there is a ½ steel in the door, ¼ steel in the body. The next rating up is an Underwriters Laboratory rating called Residential Security Container. Look for the U.L. tag which states RSC or Residential Security Container rating.
A B-Rated safe simply means that the door is about 2 ½ thick, there is a ½ of solid steel in the door, and the body contains a combined metal thickness of around a ¼ of an inch. The bolts should be at least ¾ in diameter, and if you note here, all burglar fire safes up to TL-30 have an anchor hole so you can securely anchor the safe into concrete or wood floor.
The next level of burglar rating is a U.L. RSC. Look for the label on the safe either on the top of the door or inside, it will state very clearly U.L. RSC or Residential Security Container. You notice this door is a lot thicker, its somewhere around 3 3 ½ of thickness. The bolts are a little bit larger, say ¾ sometimes a 1 youll find and the body is much thicker, somewhere between 3 and 4 inches of thickness. The Residential Security Container rating means that this safe has been tested by the best safe crackers in the world, Underwriters Laboratory.
The next category of burglar fire safes is a high security burglar fire safe. These safes are on our website under high security burglar fire safes, where the previous are just located under just burglar fire safes. Notice the doors are 5 ½ thick, the bolts are 1 ½ in diameter, there is at least 1 ½ 2 of solid steel in this door and the total combined steel inside this safe can reach upwards of a ½ sometimes more. The other thing you want to look for on the door is that Underwriters Laboratory rating that says TL-15. TL-15 means that the safe has been tested at the very highest level. There are also higher levels called TL-30, TL-30 x 6, and TRTL. A high security burglar fire safe is really a jewelry class safe. What does that mean? It means that these safes are purchased by jewelry stores, banks and credit unions, and they get the largest insurance rating for the contents. A TL-15 typically you can insure the contents for upwards of $250,000, a TL-30 $400,000, and a TL-30 x 6 $500,000. The TRTL safes can be insured for content value up to in the millions of dollars. So, there is a huge different between a high security burglar fire safe with a TL-15 or higher rating and the other safes that we looked at previously.
The last thing to look for when finding a burglar fire safe is your fire rating. You want to make sure that you have at least a 1 hour fire rating to protect your valuable contents in the safe. Typically a B or C rated safe is going to have an hour to an hour and a half rating. Look for a label on the inside of the door as it is on this Mutual Rhino safe. On your higher end RSC rated safes; you will see a one hour fire label listed by Underwriters Laboratory. This is done as an Independent Lab. Finally on the high security burglar fire safes, most of them will be a 2 hour factory laboratory test. What this means simply is that the factory has a laboratory that certified the time of the fire test.
Finally consider the amount of size that you need for the contents. So when your looking for a burglar fire safe, these are smaller safes here with about 1 cubic foot of room on the inside which is 12 x 12 x 12. On our website there are sizes from the very smallest here to very very large. The last thing I want to say about burglar fire safes is, put a lot of thought into the total maximum value of what youre putting into it. Whether you go with a B or C rated safe as you see here. Keep it under about $20,000 in value or you go with the Residential Security safe here that is UL tested for burglar and fire. Keep that under $50,000 in value. Or, if you go over here to the high security burglar fire safes which start at $250,000 and go up into the millions. Keep in mind what youre putting into it and how long youre going to keep it there. And by all means anchor every safe you install in your home or business. Thats it for today, thanks again from Dye the Safe Guy.
Duration : 0:5:46
Zurich HelpPoint Flood Video - Part 1
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Zurich’s online severe weather and flood guide provides important advice for coping with floods in the UK. The guide covers many aspects of flooding including advice on what to expect when making an insurance flood claim for your home, property and motor. The guide can be downloaded providing additional preventative measures to reduce the risk and impact of flooding. Our flooding video chronicles one family’s struggle to cope with extensive flooding to their home during last summers far reaching
Duration : 0:4:43
Family Health Insurance
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http://onlineinsurance1.com/health2.php
Family Health Insurance - Get the strength of Health Insurance companies around you to protect you and your family
Duration : 0:1:20
What is the average car insurance price for a new driver?
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I have my driver licence almost eight months ago in NH. Now I moved to Mas and I pay about $ 210 per month for car insurance. I want to know if I can find cheaper or this not too bad for a new driver. I own a 2000 ford Taurus since two months. What do you think guys?
the cheapest insurance i could find when i first started driving was nationwide but it was still just over 200$/month. So it looks like your right in the ball park of it all for full coverage.