Author Archives: schatzi

Buying No Medical Exam Life Insurance With a History of Heart Attack

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Buying life insurance is difficult if you have medical issues and it becomes even more difficult if you have suffered a heart attack in the past. Insurance companies look at the applicant’s medical history and anyone who has any issues with the health can find it difficult to get coverage. When you consider the importance of life insurance, you know that you should consider all the options available. Fortunately, today you can get life insurance without going through medical examination.

Buying life insurance

Having life coverage will help to ensure that your family is taken care of when you die. The fact is that if providing financial stability for your family is a priority, you will do what it takes to make sure that they are protected even in your absence. The fact that you have a history of heart problems is even more reason to get life insurance. The last thing you need is to suffer another heart attack and leave your family suffering from financial difficulties.

Life insurance without testing

When shopping for insurance, you have many options to choose from. If you have medical issues, the no medical exam life insurance is a good option for you. The fact that you have had a heart attack should not prevent you from getting coverage. Many policies exist that fall under this plan and they include the final expenses cover and guaranteed acceptance issue. These plans do not ask the applicant to go through medical examination to qualify for coverage. In most cases, the underwriting process is completed after filling out an application.

Consider the options

When buying the no medical insurance, you need to look at the options available. You should not settle for the first policy you come across before doing your homework. To be eligible for the insurance, you have to complete a series of questions. By doing some research, you can find the most affordable rates for your needs. A simplified issue policy is often the best option when you want to get good coverage at an affordable cost. You will, however, need to meet certain requirements to qualify for this coverage.

When applying for the insurance, you will need to give some details about your heart attack, such as how long ago it occurred. It is important to be honest on the application to make sure that your beneficiaries do not lose out when the time comes to receive the benefits. Remember that not everyone can get coverage. A person with a terminal illness is not eligible for coverage.

Professional Life Coach – How To Turn Failure To Success

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More often than not, you realize that you are jaded and fed up since you are prone to be limited to just one sphere of your life. It could possibly be your job, private life, or perhaps some nonconstructive behavioral mannerisms that really prevent you from developing or attaining what you actually desire in life. You could possess some great concepts, but you do not divulge them to anyone, since you lack faith or confidence in yourself and therefore do not act on them.

If this the predicament that you are facing, you may be interested in hiring the services of a professional life coach, who would be of tremendous help in directing you in your mission to attain the goals that you have firmly fixed in your mind.

Life coaching, these days, has turned into a booming profession due to the urgent demand for counselors to assist people involved in business and various other careers. Nonetheless, a professional life coach also operates in other fields such as alcoholism, addiction, psychology, jobs, relationships, therapy, and various other fields.

Life coaching is something like a partnership that is present between you and the coach.

Now, what actually is this partnership?

This partnership is concerned with your personal way of life with which the life coach assists you and the way in which you can relate to it.

It would be a good idea if you were able to hire a professional life coach, with whom you are on close terms. You can rely on professional life coaches. On the other hand, soliciting assistance from a well-known life coach does not guarantee you success. You need to reflect on the kind of assistance that you require and balance that against the credential of the potential life coach. Check out the competency levels of the professional life coach. To assist you with this task, the following can be borne in mind:

A great professional life coach delves into your principles, your viewpoints, your ambitions, and your objectives. It establishes the fact that it is an extremely noteworthy session since it delineates your position with regard to your professional and personal roles. Professional life coaches normally conduct the sessions via the telephone with the duration of each session on life coaching being 45 minutes.

However, they are clients, who may convince their life coaches to give a more personalized contact, and may be entitled to face to face sessions, or even group sessions.

A further area concerning life coaching is the internet where some life coaches conduct their sessions online. Now, these professional life coaches are skilled in the fields of psychology, therapy, human resource, social working, education, and many more specializations.

Wherever you prefer the session to take place, you need to get in touch with someone who is able to extract the very best from you. Be careful on whom you invest your money in, and ensure your investment gives rise to fantastic returns. Obviously, these professional life coaches will tend to charge you for services rendered.

Life coaches make you realize that the luck factor should not be blindly relied upon. Further, you are informed that your apprehensions should not bog you down and prevent you from moving ahead. You may put forward numerous queries to the life coach, request for useful strategies, which will help you make profitable investments, put ideas into practice, and concentrate on your objectives.

Loosen up your defenses, stop thinking about your negativity, release your resentment, and in its place, start on a new note and learn to live an improved, satisfied, and blissful life not just for this day but forever. Maintain a sense of balance between your professional and personal life. You definitely can bring this about. Your professional life coach can assist you in your endeavor.

Golf Course Types by Ownership

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One of the things that a newcomer to the World of golf would probably like to know is what the difference is between different types of golf course. This question is more complicated than you may first imagine as there are really three different ways to express what category a particular golf course fits into.

The first is by setting and categories a course by whether it is set in heathland, woodland or by the ocean etc. The second type is by length, where the course is categorized essentially by the length of time it takes to play a round, so these types will be pitch & putt, full length or executive, so called because executives may not have time to play a round on a full length course of 18 holes. Most executive courses are only 9 holes.

In this article though we are going to look at how golf courses can be categorized by ownership. The above two types of categorization allow you to know what to expect when you turn up to play. However, this third type of categorization determines whether or not you will be allowed access to the course at all.

The following is not an exhaustive list of course types but these are the most popular types of course that you might come across.

Private Golf Courses are courses which are owned by a golf club and they only allow play by members of the club. If you aren’t a member of the club then you can’t play, unless of course you are lucky enough to be invited to play by someone who is already a member.

Public Golf Courses can be courses owned by private organizations or individuals or by other organizations such as local businesses. The key here is that the owner charges a fee for playing. Essentially this means that the course is open to be played by anyone who can afford to pay the fee.

Courses also exist which are essentially a combination of the above two. Club members can play at any time. The public are allowed to play but usually only on specific days of the week, or times of day.

Municipal golf course are owned by the local government. They operate like public golf courses but the money paid for the green fees goes to the them as opposed to a private individual or company.

Some residential areas have their own golf course which is designed to be played by the local residents only. They tend to be run by the community itself and as such are not open to the public.

Finally there is the resort golf course. Resort golf courses are owned and operated by a holiday resort or a hotel chain for the pleasure of their guests. Play may not be restricted to resort guests however, and so you may find some resort courses are open to the public in return for a fee.

6 Superior Tips About Boat Safety Courses

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You may take pleasure in summertime a lot more when you’ve got the chance to get a boat. You may have a lot fun on a boat, whether you like to fish or simply need to get out and get a good tan and relax. You’ll be able to pick from completely different makes and models and find practically all options imaginable on different boats. Regardless of how much money you have to spend on a new boat however, you are going to need to go through and full a boat safety course.

A boat security course is required since you need to have the ability to present that you perceive the rules of the water and are going to be responsible when you are out there. The fundamental level is to show that you simply perceive the foundations of the water and that you’re going to be accountable when you are out there. Probably the greatest examine ideas is to break up your finding out periods into shorter, more frequent times somewhat than making an attempt to fill your head full of all this information at once. It may appear simpler to attempt to get all of it out of the way as rapidly as attainable but this isn’t going to be beneficial.

Remember, the point is not only to use the knowledge to go the take a look at however to use sooner or later whenever you take the boat out so you will be safe. Will probably be helpful to arrange a schedule on your studying. For instance you might want to do your regular actions through the week and then spend the weekend finding out in your boat security course. You may get a pal to pop quiz you and preserve observe of your progress as you go.

You can go online and discover a fundamental printout for the boat safety course in your state. If there are any areas that you seem to be struggling with, take some time to concentrate on these areas alone till you feel extra comfortable with them. A boat safety course is usually not too troublesome but chances are you’ll get nervous when the time truly comes and struggle through it. It’s not going to be the top of the world if you do not pass the primary time by means of, however this can imply that you will have a delay before you may get out on the water.

It will likely be greater than value it to take the time and get your boat security course. Even when you don’t pass your boat security course the primary time round keep constructive as a result of you’ll be able to all the time do it again. You possibly can even take your boat safety course online whether it is more convenient for you. The following tips will likely be incredibly useful and offer you the most effective possibilities of success with your boat security course.

How to Write a Great Book and Get It Published

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So, you want to write a book. You thought about writing a book. You may have even saved information for the book you’ll write “some day.” Why not write that book? But where do you begin. I’ve mapped out steps to take to write your first book. Why not get started? Take out your pen and paper and let’s begin!

(1) What are you passionate about? Think about what your interests are and write these down.

(2) Gather your thoughts and decide whether you would like to be a fiction or non-fiction writer.

(3) Begin with notepad on your computer or even the old-fashioned way of tablet and pen.

(4) Jot down some ideas you have, be it for a fiction or non-fiction book.

(5) Think about what you have written and go away from this for about a week or so.

(6) During this “break” you’ll find yourself going back to your writing and adding a few things. You’ll probably wake up in the middle of the night with your best thoughts!

(7) The week has passed and you go back to what you wrote earlier (with your late night additions, of course.)

(8) Read over what you have written and ask yourself these question: Does it make sense? Does it follow a pattern? Is the information flowing? Would someone else want to read it?

(9) Begin a Table of Contents so that you have a “map” of where you want to go with your book. You wouldn’t take a trip with directions, would you? Writers need a map of what they will be doing for each chapter.

(10) Now that you have your Table of Contents, begin with your introduction. Every book needs an introduction to what the book will be about. Be sure the first five or six pages of your introduction will entice a reader to want to read more.

(11) Begin talking with a graphic designer about what the book cover might look like. For example, if you are writing about history, you might think of a historical cover. In order to get ideas, go to the bookstore, if you can still find one (now, these are called “brick and mortar,” and see what other authors did in their first five or six pages. See whether or not there covers reflect what is inside the book.

12) Go to Amazon and look at the type of book you plan to write. What do you find for a genre you like? Read many “inside the book” segments and see how they wrote an introduction.

13) Never take anyone else’s material. It will not be written by you, if you do! I’ve heard that it’s a compliment for people to “copy” you, however, it’s not a nice compliment as they are “stealing your work.” Then, what happens is people, eventually, think you copied their work and publishers have trouble trying to decipher who was the original author. Even quotes are cited for many different authors and its the same quote!

14) So, do it right. Write from the heart. If you are a speaker, you can write just like you speak. That’s what I do in my writing. It makes writing so much easier and fun when words come from within and readers like that.

15) Have you made your decision yet? Will you write a book? There is so much talent out there, you may be the next best seller!

16) If you made the decision to write, remember this story. I’m not, exactly, sure how it was said, so I paraphase and say that Steven King wrote a book, many years ago and after 100 publishers turned him down, the story goes, he threw his book into the wastebasket. His wife picked it up and sent it to a publisher and Steven King was a best-selling author and you know the rest. Will you be the next Stephen King?

17) In these times, most will not find a large publisher to publish our work. This does not mean our work is sub-standard; it means there are too many entertainers, sports stars, celebrities and politicians that are best-sellers right away and they don’t have for you. However, there is good news. Many small publishers have “popped up” and they want your work! Now, remember, a publisher does not ask you for money to print your book. That is what self-publishing is for (people pay for their books.) A small publisher may charge to edit your book to their satisfaction and to make up a template, but that is about all a “real” small publisher/literary agent will do.

(18) Get on to the social sites and join groups. People know people and they will begin to recommend their publisher to you.

(19) Are you still writing? GOOD! Keep writing. Depending on whether you are writing a few hours a day or, like me, staying up all night (to keep the interuptions at bay,) you will, suddenly, see the makings of a book.

(20) Don’t even think about sending your book to a large publishing house. They are busy with all the movie stars and politicians. Seek out small publishing companies, start-ups (I love being at the beginning of something that will grow,) and get published. I did!

GOOD LUCK!

Written by Dr. Joyce Knudsen, Ph.D. AICI CIM

www.imagemaker1.com

How to Write a Great Book and Get It Published

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So, you want to write a book. You thought about writing a book. You may have even saved information for the book you’ll write “some day.” Why not write that book? But where do you begin. I’ve mapped out steps to take to write your first book. Why not get started? Take out your pen and paper and let’s begin!

(1) What are you passionate about? Think about what your interests are and write these down.

(2) Gather your thoughts and decide whether you would like to be a fiction or non-fiction writer.

(3) Begin with notepad on your computer or even the old-fashioned way of tablet and pen.

(4) Jot down some ideas you have, be it for a fiction or non-fiction book.

(5) Think about what you have written and go away from this for about a week or so.

(6) During this “break” you’ll find yourself going back to your writing and adding a few things. You’ll probably wake up in the middle of the night with your best thoughts!

(7) The week has passed and you go back to what you wrote earlier (with your late night additions, of course.)

(8) Read over what you have written and ask yourself these question: Does it make sense? Does it follow a pattern? Is the information flowing? Would someone else want to read it?

(9) Begin a Table of Contents so that you have a “map” of where you want to go with your book. You wouldn’t take a trip with directions, would you? Writers need a map of what they will be doing for each chapter.

(10) Now that you have your Table of Contents, begin with your introduction. Every book needs an introduction to what the book will be about. Be sure the first five or six pages of your introduction will entice a reader to want to read more.

(11) Begin talking with a graphic designer about what the book cover might look like. For example, if you are writing about history, you might think of a historical cover. In order to get ideas, go to the bookstore, if you can still find one (now, these are called “brick and mortar,” and see what other authors did in their first five or six pages. See whether or not there covers reflect what is inside the book.

12) Go to Amazon and look at the type of book you plan to write. What do you find for a genre you like? Read many “inside the book” segments and see how they wrote an introduction.

13) Never take anyone else’s material. It will not be written by you, if you do! I’ve heard that it’s a compliment for people to “copy” you, however, it’s not a nice compliment as they are “stealing your work.” Then, what happens is people, eventually, think you copied their work and publishers have trouble trying to decipher who was the original author. Even quotes are cited for many different authors and its the same quote!

14) So, do it right. Write from the heart. If you are a speaker, you can write just like you speak. That’s what I do in my writing. It makes writing so much easier and fun when words come from within and readers like that.

15) Have you made your decision yet? Will you write a book? There is so much talent out there, you may be the next best seller!

16) If you made the decision to write, remember this story. I’m not, exactly, sure how it was said, so I paraphase and say that Steven King wrote a book, many years ago and after 100 publishers turned him down, the story goes, he threw his book into the wastebasket. His wife picked it up and sent it to a publisher and Steven King was a best-selling author and you know the rest. Will you be the next Stephen King?

17) In these times, most will not find a large publisher to publish our work. This does not mean our work is sub-standard; it means there are too many entertainers, sports stars, celebrities and politicians that are best-sellers right away and they don’t have for you. However, there is good news. Many small publishers have “popped up” and they want your work! Now, remember, a publisher does not ask you for money to print your book. That is what self-publishing is for (people pay for their books.) A small publisher may charge to edit your book to their satisfaction and to make up a template, but that is about all a “real” small publisher/literary agent will do.

(18) Get on to the social sites and join groups. People know people and they will begin to recommend their publisher to you.

(19) Are you still writing? GOOD! Keep writing. Depending on whether you are writing a few hours a day or, like me, staying up all night (to keep the interuptions at bay,) you will, suddenly, see the makings of a book.

(20) Don’t even think about sending your book to a large publishing house. They are busy with all the movie stars and politicians. Seek out small publishing companies, start-ups (I love being at the beginning of something that will grow,) and get published. I did!

GOOD LUCK!

Written by Dr. Joyce Knudsen, Ph.D. AICI CIM

www.imagemaker1.com

7 Reasons to Consider a Desktop for Your College Computer

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I am always asked what type of computer is best for college. People hear a lot of things, but mostly “Laptop, laptop, laptop!” I’m always first to tell freshman entering college to slow down and consider a desktop for a moment. While laptops do have specific advantages (which I’ll share with you in tomorrow’s post, I promise), desktops can be very useful in college.

Desktop Advantages

You’ll find fewer students lugging their PC Towers or iMacs into their dorm room on move in day. You may see a particularly tech-savvy college student with a huge computer that looks like something from the Sci-Fi Channel. Desktop computers do have a few advantages though.

1. Power – Those cute little laptops are nice and all, but they cannot compare to the power that the desktop can wield. For college students in engineering, architecture, computer sciences, business, or science (just to name a few), you should consider what types of programs your computer will have to run. I’ve seen some pretty robust student programs out there. You don’t want to be stuck going to the computer lab every day because your laptop can’t handle the demands of your architecture program. Talk to the dean of the college, your professors, other students, or your academic advisor to find out what types of programs you’ll need. If they are sizable programs, I’d suggest going with a stronger, more powerful PC.

2. Memory and Hard Disk Space – Yes, a desktop computer can have more memory, and hard disk space too. You can also put more memory in it than laptops. Not only is this helpful for people running robust programs, but it’s also helpful for those students who like to play games and listen to music, while running a bunch of other programs. In terms of disk space, you may not know this, but college students LOVE their music. They also love free stuff. I’m not one to rat anyone out, and I don’t want to alarm you, but some people even use programs (that may or may not be legal) to download movies, TV shows, albums, and a load of other stuff. Having a desktop can allow you significantly more room (in hard disk space) to hold all of the data you need and love. I, for one, have over 6000 songs on iTunes. That’s a lot of Gigs of music. My laptop couldn’t handle that, or it could, but then I wouldn’t have any room for anything else. Also, many students are gamers. I’ve seen countless students in dorms playing WoW (World of Warcraft) at all hours of the night. I suggest a desktop if you’re going to be running demanding games. Also, remember to consider what things you’ll be downloading or putting on your computer before buying.

3. You Can’t Steal Them As Easily – There, I said it. No offense to laptops, but they’re pretty easy to steal. Crime is an issue on many college campuses around the country. People leave their dorm room doors unlocked or wide open all the time, and so it can be quite easy to sneak in and take something. Laptops are just a lot easier to take than desktops. Of course I realize there are laptop locks, but in my experience, less than 50% of students actually use them. In any case, laptop locks can still be cut. Most just let their laptops sit out in the open. Desktops are bigger, have more parts, and just not as easy to take. I have an iMac G5, and let me tell you, that thing is pretty heavy. If I were a burglar, I wouldn’t want to have to run away lugging that behind me. So, consider how safe your campus may be, and thing of the extra security offered by having a desktop.

4. Your Desktop Won’t Distract You in Class – I love students who think they are going to take their laptops to every class and take extensive notes and be the best student possible. This never happens. What actually happens is students take their laptops to class, talk on AIM and use Facebook the whole time. If you have a desktop, you won’t be able to take it to class with you, so it won’t be a distraction. Trust me, there’s no substitute for pen and paper when taking notes.

5. It Will Probably Last Longer – For any student strapped for cash, the life of their computer investment is of utmost importance. I have found that desktops last significantly longer than laptops do in college. The fact remains, while laptops are great to carry around to the Quad, or the cafeteria, or anywhere else on campus, this puts them in much greater danger. I can tell you countless stories of students dropping their laptops, having their laptops fall out of their bags, knocking them off tables during rambunctious dorm parties, spilling drinks on them in the cafeteria, knocking them off desks in class, and much more. You’d have to really try to shove a desktop off your desk. Case and point, I’ve had my desktop for over two years now. My girlfriend had her laptop for under a year. Guess what happened; she went to put her printer away and it was still attached to the laptop. YANK; there went the laptop smashing on the floor. It was funny, because that same thing happened to me a few weeks later, but because my printer was connected to a heavier machine, all I did was move it a little and I was able to realize what was wrong.

6. Cheaper – Laptops can get pretty expensive, especially considering the amount of danger they’re placed in on a daily basis. For the college student who cannot afford much, desktops should really be considered. You can get a decent desktop for $600 (sometimes even less). I’ve never seen a laptop for less than $1,000. That’s a big price difference, especially considering tuitions that will have to be paid and all the other expenses college students have to deal with. FAFSA awards are great, but I doubt they will leave you with enough money to get the top of the line laptop and pay all the other expenses you may have.

7. Customization – For the more tech savvy person, customization is key. You can’t customize laptops nearly as much as you can desktops. Dell offers the whole “build your own computer” thing. Many other PC makers allow you to add different kinds of monitors, ram, towers, etc. Laptops are generally, “pick which one you like and how much memory you want in it.” You also can make minimal changes to laptops after you’ve purchased them. Desktops can have graphics cards changed, RAM added, motherboards, soundcards, monitors, and much more modified. If you are a fan of customization, look no further than a desktop.

So those are seven advantages to having a desktop computer. Laptops may be winning the war for most popular computer for college students, but don’t count desktops out of the race. Always be sure to make use of education discounts and get the type of computer that will best fit your needs.

Six Types of Deductible Continuing Education

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In this article we would like to talk about continuing your education as a business professional. There are many things you can do to learn more about your trade, and many of them are also tax deductible, so they can save you money in the long run. So let’s talk about six types of continuing education that are deductible on your taxes.

1. College classes. Taking college classes to improve or maintain your business is tax deductible for your business. The cost of tuition, books, class fees, materials and supplies, and the gas or mileage to get there are all deductible.

2. Seminars. Throughout the year there are many seminars put on by many different organizations on many topics. Most of them charge a fee to attend. Some give credit if your type of professional license requires it and some do not. But regardless of whether credit is given or not, if it is a seminar about something that can help you as a business owner, it is considered continuing education. The fees to attend and travel expenses are all deductible.

3. Trade shows. A trade show is a show that has vendors with products and services that can help your business. The most common trade shows are in the construction industry, but there are many other types of trades and businesses that have them. Attending these shows helps you to keep updated on current products that can be helpful to your business. Again the entrance fees and travel expenses are deductible.

4. Vendor sponsored events. Businesses you work with or purchase product from sometimes sponsor events. Sometimes they are to promote their product or service and sometimes they are just helpful events to get you to like them. Either way the goal of the event is to teach you something. These events are often fun as well as informative, but they are still considered continuing education and the same things are deductible.

5. Conferences. As accountants, we attend a conference sponsored by the IRS every year in order to obtain credits to keep our license current. This conference is never closer than 600 miles away. They have them all over the country, so we always choose the one that is the most convenient for us. There are many types of conferences for many types of businesses. Conferences generally have classes you can attend about various subjects pertinent to your profession. They also often have a banquet and networking sessions to help you connect with others. Sometimes there are even sightseeing excursions you can take advantage of. Conferences can be both informative as well as fun and definitely fall into the continuing education category. Many people take their families with them and do fun things in the evenings or in between conference sessions.

6. Educational events you sponsor for your employees. It is important to keep your employees educated and informed as well as keeping moral up. Many companies hold events for their employees for those purposes. Some have a weekend retreat and some go on a cruise. The most important thing about this is to have some sort of training experience while at the event. Anything the company pays for such as transportation, food, lodging, or educational materials is tax deductible for the business. Anything the employee pays for is deductible to the employee.

The Benefits of Clicker Training

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You have to admit that a dog that has not been trained can do all kinds of damage to property, your loved ones and even yourself. This leads to a stressful relationship between your loved ones and your beloved pet.

Much training is available out there but the truth is, there is no single training that is simple and easy. You have to really study and practice it. It takes more than just theory to be able to train your pet. You do need a lot of patience and the strength to put all those theories to practice.

A good example is clicker training. This training is used by trainers of different animals. It has been one of the most common kinds of training for dogs. In this training, trainers use clicks to command a dog. Sounds simple? Not really. In training by clicks, you will have to make your dog realize that with each click, it means that they are doing good. But with the right strategy and the right amount of hard work, the clicker will be the most important thing you do to have a better life with your pet canine.

So just how does this clicker training happen?

The concept of clicking training is actually quite simple. You need to let a dog know when he does an action that is right and approved with the use of a clicker. The clicker makes a short sound that dogs can hear even from longer distances.

Initially, you will have to combine clickers and treats. With this strategy, they will know that they are going to get rewards or even treats each time that they hear a click.

Clicks can be used by itself although it can also be employed by combining it with command words. Clickers apply to all breeds as most dog breeds respond similarly.

And what are the benefits that come with clicker training?

The most important advantage that comes with clicker training is its simplicity. It only takes a minimum of 15 minutes for your dog to learn that clicking is good. It takes an even lesser amount of time to teach your pet the basic commands that you would want him to do with this tool.

The clicker is also a handy device that you could have with you and it does not matter where you go. The clicker is also known to be audible even for large distances.

The clicker, combined with an effective command word, will communicate to your dog what you want them to do exactly. You do not have to worry that your pet does not know what is right and what is wrong. The clicker will do that for you.

Now that you know the benefits of the clicker, it is best that you combine it with extra care and an effective rewards system. You will not have to utilize other methods of training your canine pet which can be quite inhumane and harsh.

Another thing to remember is to regularly exercise your dog by taking daily walks with them. Indeed with the clicker, training your dog has become much easier.