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There is a great deal of uncertainty about what happens after one experiences a loss. Most people state that they just don’t know how they are going to recover. For the coverage on the contents of your home or business, the personal property policy outlines what you will need to provide to receive your insurance settlement.

There is a standard verbiage in these policies. Under the Duties After Loss heading, you’ll discover some statements that might surprise you, and of which you need to be aware.

One statement is that they have no duty to provide coverage if you fail to comply with their requirements. The requirements can be performed by you or a representative (an inventory service provider, for example).

You must notify your agent or the insurance company promptly. In the case of theft or loss, you must also notify the police.

If there is an investigation of your claim, you will be expected to cooperate fully. You’ll be required to prepare an inventory of the damaged items, listing the quantity, description, actual cash value and the amount of your loss. Bills, receipts, appraisal forms and any other documents that support your claim will be requested.

A signed, sworn proof of loss will need to be submitted within 60 days after the insurance company’s request. The proof of loss will state the time and cause of the loss, other insurance that may cover the loss, the inventory of the personal property.

Insurance policies vary. Check yours to make sure you understand what will be expected of you when you file a claim.

This shows why it’s so important to have your personal property documented for your home and business prior to a disaster. Can you imagine trying to complete that task without a previously prepared inventory – especially when feeling overwhelmed due to the stress you’d be experiencing?

A travel trailer trip is an ideal way to visit our remarkable National Parks. There are parks in numerous places with diverse qualities. Some are well known, such as the Grand Canyon. Other perhaps, are less celebrated, but well worth a visit.

What is important when you are choosing a national park destination?

One consideration is distance. There are nearly 400 national parks and historic sites in the United States – nearly every state boasts of some. If your budget is tight, you may want to look at what is closest to home. In some states, you can get a “two-fer” – that is, two or even more parks located near one another.

There are numerous places of natural wonder such as the Grand Canyon. Maybe you prefer beaches like Canaveral National Seashore. You might enjoy the highlands and the sweeping grandeur of Rocky Mountain National Park. Other sites boast of history, they commemorate people, events, and battles. Cities have parks as well. Independence National Historic Park is in Philadelphia, and Biscayne National Park is near Miami.

How to find the national parks near you

You can look for parks in several ways. If you belong to a travel club such as the American Automobile Ass, search their web site. The local office will have information, too. Open your favorite search engine, and search for parks in your state. Look on the “U.S. N. Park Service Find a Park” page. Click on your state to see what is available.

You may camp in many national parks.

The Grand Canyon has campsites both outside, and in the park. One site has tent and RV camping with no hookups, the other has camping with hookups. Rocky Mountain National P. has no hookups in the park, but there are nearby RV parks that have them. They do have a wheelchair accessible campsite. Some parks require you to reserve sites; others are “first come, first served.” Call your park of choice for more information, or look up the home page and see what amenities are available.

It is important to begin planning early

Don’t wait until the last minute to plan your national p. vacation. Take time to learn the history of the park. Then, in addition to avoiding last-minute glitches, you’ll have time to anticipate the spectacular events to come.

What Is Offshore Investment?

Offshore investment refers to a wide variety of investment strategies that take advantage of tax benefits offered outside of an investor’s home country.

There is no scarcity of money-marketplace, bond and equity assets offered by trustworthy offshore investment companies that are fiscally sound, time-tested and, most importantly, legal.

What Is Offshore?

Offshore explains the repositioning by an entity of a trade process from one countryside to another, typically an operational process, such as manufacturing, or supporting processes. Even state governments make use of offshore investment. More recently, off shoring has been associated primarily with the sourcing of technical and administrative services supporting domestic and global operations from outside the home country, by means of internal (captive) or external (outsourcing) delivery models.

“Offshore ” is usually to portray a country where there are also no taxes or low taxes for foreign persons either individual or commercial.

It is a truth that offshore investment havens have crafted a unique legally recognized and tax free climate for overseas individuals and businesses. They offer specifically to them. More than half the world’s assets exist in such asset havens.

Monetary privacy, a steady legal environment and realistic rulings are the trademark of these jurisdictions.

When we converse about offshore investment financial companies, the term invokes up an image of enormous, shadowy monetary monoliths, investing funds without any transparency.

Advantages

There are many reasons why people like investments in offshore:

1. Tax Reduction

Many nations, recognized as tax havens, offer tax inducements to overseas investors through an offshore investment. The positive tax rates in an offshore investment possible country are intended to encourage a vigorous offshore investment atmosphere that magnetizes outside wealth. For tiny countries like Mauritius and Seychelles, with only a few reserves and a small population, offshore depositors dramatically increased their economic activity.

Offshore investment occurs when offshore depositors outline a company in an overseas country. The corporation acts as a shield for the investors’ financial credits, shielding them from the higher tax load that would be acquired in their home nation.

Because the corporation does not engage in local operations, little or no tax is enforced on the offshore investment company. Many overseas companies also benefit from tax-exempt category when they put in in U.S. markets. As such, making ventures through overseas corporations can clutch a distinct benefit over making investments as an individual.

2. Confidentiality

Numerous offshore investment jurisdictions have confidentiality legislation which creates it is an unlawful offense for any worker of the financial services commerce to disclose possession or other information about their clients or their dealings.

But in the examples where unlawful proceedings can be proved, identities are being disclosed. Thus the Know Your Client due diligence documents are becoming just more complex.

Disadvantages

The main drawbacks are those of costs along with ease.

Many investors like to be capable to meet up and speak to the person setting up their incorporation of offshore investment companies and traveling to the tax haven costs funds.

In a number of nations you are taxed on your universal revenue, so not disclosing offshore investment returns is illegal. In other countries having offshore accounts are unlawful for individuals but authorizations can be obtained from companies.

Several banks in offshore jurisdictions need smallest amount in investments of US$ 100,000 and higher, or to possess assets locally.

The kinds of offshore investment companies usually existing are:

Trusts
Resident Offshore Company
International Business Company
Protected Cell Company
These types of companies also exist.

E.g.: Many mutual funds and hedge funds whose investors favor ‘ off shore country’ ventures.

But for average financiers like us too can form offshore companies of relatively small size to fulfill our most everyday needs. Or we can put in, via our off shore investment expert, into offshore companies to own investments in special funds.

There are various uses:

Trading Companies
Professional Services Companies
Shipping Companies
Investment Companies
Intellectual Property & Royalty Companies
Property Owning Companies
Asset Protection Companies
Holding Companies
Dot Com Companies
Employment Companies
Trading Companies

Import/Export and general trading company’s activities are also compatible with the structure of offshore investment companies. The offshore investment company acquires orders from the supplier and has the goods distributed directly to the customer.

It does the invoicing to the customer and saves the difference in a tax free country. E.g. Products from China to Kenya could be invoiced by a Seychelles or RAK offshore incorporation and the revenues retained there.

Individuals utilize offshore investment companies to acquire mutual funds, shares, property, bonds, jewelry and precious metals. Sometimes they will also apply these companies to trade in currency, equities and or bonds. The wealthy will also have diversified offshore investment companies for different division of possessions; for different countries or by different categories of investments.

The diversification evades the risk. But also in cases where capital increases taxes are levied, e.g. in property or equity, sometimes it is cheaper to sell the company rather than the individual asset itself.

Professional Services Companies

Individuals, e.g. counselors, IT experts, engineers, designers, writers and performers working outside their local country can gain momentously from using an offshore investment business. The offshore investment business demonstrates the individual as a company worker and gets a fee for the services rendered by the ‘employee’ [possessor]. This fee is received and saved tax free. The person can then receive the imbursement as he or she hopes to minimize their taxes.

Shipping Companies

The utilization of offshore investment companies to possess or license commercial ships and pleasure craft is very familiar internationally. Shipping companies mount up earnings in tax liberated offshore jurisdictions and, if every ship is placed in a separate offshore investment company, it can get hold of considerable asset security by isolating liabilities of each individual craft.

Investment Companies

Individuals make use of offshore venture companies to then buy mutual funds, shares, bonds, property, jewelry and expensive metals. Sometimes they will also use these companies to operate in currencies, equities and or bonds either via the internet or through managed funds run by banks and financial institutions. The wealthy will also have diversified offshore investment companies for dissimilar class of assets; for different countries or by different varieties of investments.

The diversification evades the threat. But also in cases where assets gain taxes are levied, e.g. in goods or equity, sometimes it is economical to sell the company rather than the individual asset itself.

Intellectual Property & Royalty Companies

Offshore investment companies are being seen as vehicles to own Intellectual Property and royalties received for software, technology rights, music, literature, patents, trademarks and copyrights, franchising, and brands. These companies are in the type of trusts or foundations.

Property Owning Companies

Owning property in an offshore investment company saves you the funds gains taxes that may be levied at the occasion of the property’s deal, which are avoided by selling the business instead of the property. Other significant benefits are the authorized prevention of inheritance and other transfer taxes.

Mainly, in some countries, e.g. Islamic ones, inheritance is via Shariah regulation and not your determination. So an offshore possession will make sure that the assets owned outside the country need not be distributed according to Shariah Law.

Asset Protection Companies

It is estimated that a professional in the US can be expected to be sued every 3 years! And that more than 90% of the worlds lawsuits are filed in the US.

Amazing statistics!

If you have an income or assets of more than US$ 100,000, you should seriously consider offshore investment companies!

Most offshore jurisdictions require that for a lawsuit, a lawyer must be hired and paid up front before a suit can be filed, thus keeping frivolous lawsuits away. Often a substantial bank bond has to be placed by the government, to even implement a lawsuit. It can also (take years of waiting) to get into court in some offshore investment jurisdictions.

If you have substantial liquid assets you should consider a Trust which would own the offshore company. This will provide a greater degree of protection, at the least expense.

However, we should remember that this structure is for asset protection, not for tax savings and so that the focus should be maintained.

Holding Companies

Offshore investment companies can also be used to own and fund operating companies in different countries. They could also be joint venture partners or the ‘promoter’ of publicly quoted companies. Mauritius is well suited as a country for investing companies because of its favorable double tax treaties.

Dot Com Companies

The internet has made the cost of business entry very low and consequently the legal protection of the company’s assets, both physical and intellectual, that much easier. Dot Com companies now use this flexibility to develop different software projects in different offshore investment companies to invite different investors and to keep the flexibility of raising funds separately for different projects depending on the project’s success. Both Mauritius and Seychelles have Protected Cell Company [PCC] structures available for just this kind of need.

The process of colouring, by applying fabric dyes to loose fibre, thread and fabric are called fabric dyeing. Being carried out for thousands of years, it has experimented in many different ways until today, and good results have been obtained. At the present time, Viktoria Fabric Dyes, which is one of the biggest brandmarks of fabric dyeing, suggests 3 different styles of it. These are; Bucket or Sink Method, Boiling Method and Washing-Machine Method. These methods will be explained in the following passages.

I. Bucket or Sink Method
• This fabric dyeing method is carried out by filling a bucket or a large container with water or occluding the drain of the sink; so as to fill it with water.
• If the operation is carried out somewhere out of the sink; the cover should be spread so as not the water to flow out.
• Before starting this fabric dyeing operation, the sink or the bullet should be filled with 60 C hot water, as the experts advise, and the powder fabric dye should be dissolved with hot water in another container.
• If the colour is too light, a little bit more dye should be added, but if it is too dark hot water should be added.
• The dissolved dye should be poured to the place where the water is and should be stirred for a while.
• After being cleared of all of its stains, the object to be dyed is put where the dye is, by being wet, and water and the dye are stirred for 10 minutes, without giving a break.
• The fabric that is kept in the water for at least half an hour and mostly for an hour, is taken out of the water when decided that it has the expected colour.
• Just after dyeing, Fiske fabric dye stabilizer is applied in accordance with the instructions.
• You should then rinse the dyed fabric with cold water. After this, wash your fabric with warm water and a soft detergent; rinse it and dry it. After getting dried, your fabric will have the expected colour.

II. Boiling Method
Boiling is another method used for fabric dyeing.

• A large pot in which fabric can move easily is filled with water and this pot is put on the cookstove. The cookstove is switched on and when the water begins boiling the dye is added into the water.
• The object to be dyed is wetted and thrown into the water.
• The object to be dyed is put where the dye is, by wetting; after being cleaned of all its stains. It is stirred in the first 10 minutes without giving a break.
• After this step, rinse the dyed fabric with cold water. Then, wash your fabric with warm water and soft detergent, rinse and dry it. After drying, your fabric will have the expected colour.

III. Washing Machine Method
You can easily dye your fabric with washing machine fabric dyeing method.
• The temperature level of the washing machine should be fixed at the highest level. Also, the time setting should be fixed in a way that the machine will operate at least 30 minutes.
• The fabric dye is melted completely by stirring it with hot water in a plastic pot. In it, 1 teaspoon of washing-up liquid is added.
• In another pot; if cotton or linen is being dyed, salt should be dissolved in 4 glasses of very hot water; and if silk or nylon is being dyed, a cup of vinegar and 2-4 glasses of hot water should be blended(mixed( together.
• Firstly the dye, and after that, the vinegar and salt are spilt into the detergent box of the washing machine and it should be switched on.
• After the machine stops, the dyed fabric is washed one more time with warm water and it becomes ready to use.

This past September (September 1st to be exact) I was in a wheelchair in an emergency room with a fractured knee cap that occurred in a moment of fully lucid but impaired equilibrium. But here’s the good news: the bottle of beer I was carrying remained unscathed. No shattered glass or a drop of foamy goodness was lost. (That takes talent!) I should have known better than to imbibe in the second bottle of brew but as the saying goes, “What the heck. I was having a good time.” Even better news: the white jeans I was wearing survived without a mark or tear.

Have I learned my lesson? Yes, of course, I have. I’m not a dumb bunny. I no longer drink beer. I now drink white wine. Best of all, my sense of humor remains intact.

After a long wait in the emergency room, I was wheeled into a room by an attendant who thought I was his “sweetie” and waited some more for a nurse (or anyone) to appear. My daughter and son-in-law were standing behind my chair when a nurse arrived. Then the fun began. As if I was not there, the nurse asked my daughter for details about how my injury occurred.

I was thinking, “Why isn’t the nurse asking ME those questions. It’s MY injury!” Irritation gnawed at me until I finally swung the bulky chair around to face the nurse, hitting a few cabinets in the process. (I should have turned the chair before she entered the room but the space was small.) In a calm, polite tone of voice, I said, “Excuse me, I can hear and understand everything you say and I can answer all your questions. You can speak to ME. I’m not senile.” And I smiled.

The poor woman was taken aback. No one had probably spoken to her like that before. After all, she was just applying the accepted protocol for dealing with an old/older person – it’s a cultural thing, a “given” – white hair equals incompetence or senility. In her eyes, she had done nothing wrong. I knew that and that’s why I intentionally spoke to her in a calm, polite tone of voice.

Old people get used to and even expect (but don’t like) to be treated as if they don’t exist or are incompetent. It’s a societal assumption that old people can’t think clearly or remember much and they can’t hear or understand if you speak too softly or too fast. After all, most old people are senile or close to it so you have to be patronizing and deal with them as if they are children. Really? REALLY?

Not all old people are on the brink of senility – most are not even close. Mature people function quite well if they are spoken to with respect and treated with the assumption they are competent. If they are mentally impaired, acknowledge their existence and treat them respectfully.

Let’s get to the elderspeak element of the “old people are invisible” syndrome which I already experienced before I became invisible. It is beyond annoying and disrespectful. Here is an unrelated example, but typical of the elderspeak iceberg:

My sister and her husband were dedicated runners. They were “mature” – not teenagers. On their daily run around the community and their neighborhood, neighbors, sitting on their front lawn, many with a can of bubbly in their hand, yelled to them as they flew by, “you guys are so cute!” Was my sister angry? You bet. Please don’t call mature persons “cute”. A six-year-old child is cute. To call an elder “cute” is as demeaning and infantilizing as it gets.

Here’s more: If you are a healthcare worker, a mature female patient you just met is not your “sweetie” or “honey”. Terms of endearment are appropriate only when there is a romantic relationship. Egads! What a revelation! An old person in a romantic relationship? [gasp!] That’s disgusting! Really? No, it’s not. Oh, one more thing: Do not call me “young lady”. It’s patronizing, demeaning, condescending and disrespectful. (Okay, okay, I’m being overly sensitive – and grumpy.)

If those in authority call you cute or utter another term of endearment, it’s tempting to want to haul off and smack them into reality, but don’t give in to the temptation. Turn it around on them and tell them how cute they are, and what a sweetie pie they are for telling you how cute you are. Be sure to smile as you do it. Take note of their flustered or confused reaction.

When it comes to investigating Medicare options, many personal financial educators refer individuals to the Medicare.gov website. The official U.S. government website for Medicare is, without question, the most comprehensive of informational portals.

But it can be overwhelming. Especially for the 11,000 men and women who turn 65 every day and first become eligible for Medicare. For most, the terminology is tantamount to learning a new language. Medicare health care plan options are more complex and varied than most are used to.

And, there are some important things the government website doesn’t tell you. For example, it fails to clearly point out the importance of your first plan enrollment. Nowhere on the website does it say that the Medicare plan choice may be irrevocable.

Nor does it really explain what questions to ask before choosing a plan. The Medicare.gov does a great job of offering impartial comparisons, such as premium rates. But when it comes to subjective elements, these are something the website can’t obviously address.

Anyone who has been Medicare eligible for a few years will tell you that selecting the right Medicare plan is not easy. In fact, some industry estimates find that between 25 and 40 percent of people switch after making a choice. Navigating the complexity is especially hard when you are first eligible for Medicare. That’s more so if your current or prior healthcare coverage consisted of a few options pre-selected by your employer or trade union.

One of the Medicare.gov features is the appearance of being able to directly connect with an insurance company. And while it’s logical to think that ‘buying directly’ is going to be better and save you money, it’s simply not true. Quite the contrary. It could be a significant and costly mistake.

The following are things to consider when using the Medicare.gov website as shared by the American Association for Medicare Supplement Insurance, a national advocacy and educational organization.

1. Medicare.gov is much easier to use for Medicare Advantage (MA) plans. But that is just one of the options available to you. It may or may not be your best option. For those who prefer to see any doctor or specialist, only a Medigap plan offers that option. For those who travel or spend time in another state, a Medicare Advantage might not cover you outside of your primary area.

2. The Medicare.gov website doesn’t make it easy to understand things that matter such as in-network, out-of-pocket costs, drug plan coverage, coordination with Veteran’s coverage and Medicaid. “In Network” matters if you decide a Medicare Advantage plan is best for you. Knowing which local doctors, hospitals and especially specialists participate can be tricky to find on your own.

3. Medicare.gov’s Plan Comparisons seem very detailed. But they miss some important information that’s vital. For example, the decision you make when turning 65 could be irrevocable. Switching Medicare plans is not always possible. Medicare.gov does not tell you what’s possible if you don’t like your choice or when your chosen plan changes. These are all very important things to know before locking in a choice.

4. Medicare.gov’s Plan Finder prescription drug search can be confusing for those taking multiple medications. It’s especially important for the millions who take insulin medications.

5. Medicare.gov lists Medicare Advantage plan ancillary benefits (vision, dental, etc.). Unfortunately, there’s little detail of specifically what’s covered in terms of benefits and service providers.

Buying direct from an insurance company such as UnitedHealthcare (NYSE: UNH), Aetna (NYSE: AET), Cigna (NYSE: CI), or Humana (NYSE: HUM) — several of the leaders – or calling an 800-number may or may not be your best option. Is the person on the other end of the line a captive agent for the particular insurance company? Do they get some incentive for touting one particular plan over another?

Comparing Medicare plan options is always your smartest move. A local Medicare professional who is knowledgeable in local options including Medicare Advantage, Medicare Supplement and prescription drug plan choices can be a well spent hour. Today most insurance agents will arrange an online meeting to discuss options and answer questions.

A national online directory listing Medicare insurance agents is offered by the American Association for Medicare Supplement Insurance. Access is free and private, unlike most websites that require you enter information before displaying results. Whether you are turning 65 or just have Medicare insurance questions you want answered, it’s a resource worth knowing about.

That local expertise and experience comes at no cost. And, the same plans that are available online or available directly from the insurance company can be sold by an agent appointed with the particular company. Perhaps most important, it’s available for the very same cost.

There’s been a lot of talk on Social Media about the safety of preservatives these days and that’s a good thing! There is unfortunately a lot of misinformation as well. Let’s set the record straight!

Any product that is made with water requires a preservative. It’s to prevent bacteria, mold, fungus or other critters from growing in the product. Preservatives are needed to prevent contamination. Let’s talk about the preservative, Phenoxyethanol, specifically.

It rates a four on the Cosmetic safety database (0-10 scale, and four is measured at its most concentrated and isolated level, which means it’s not measured in a product). Pretty good, considered most other preservatives are measured at around seven or higher.

So let’s put it in perspective. Penoxyethanol is approved at 1% in products (Canada, Japan, and The European Union). When you consider toxicity is relative to dosage, 1% makes this is a very low risk. (Look at your label, and your preservative should be the last item on the list. Ingredients are listed in order of percentage, from the highest to the lowest. So the last ingredient on the list basically means it is the one at the lowest amount in your product).

It is also important to know how to decipher the information you read about. It’s sometimes easy to panic when you see a list of warnings, restrictions, numbers on scales, and jump to conclusions.

Penoxyethanol is a safe preservative that is approved for use at a very low dosage percentage (1%). Think of it in a 240ml/8oz bottle of lotion, for instance. At 1%, it is not a lot of preservative in your product.

Certain chemicals on their own can be concerning, but when combined are harmless. Let’s use the example of Lye. Horrible stuff on its own but mix it with water and oil and it creates soap. Add Olive Oil and you now have a soap gentle enough for children!

And.. be aware of those who might suggest that “if you can’t pronounce it, it shouldn’t be in your skincare. After all, Penoxyethanol is certainly not an easy word of the toung; but as we have disussed, you are better off to have this in your “Natural” or “Clean” skincare, than to put up with the many other chemicals available and so often utilized.

Finally, read your labels, ask questions and remember… Just because there’s a recipe on the internet for a great body scrub, it doesn’t make everyone a chemist.

Digestive health is easy to maintain, and you don’t need laxatives to maintain great colon health. Learning what your best proteins are, and combining them in your genetic zone of eating, you can keep being happy healthy and IBS free,even through old age.

Taking laxatives is dangerous for your health. Removing electrolytes from your body can damage your brain and cause seizures. Suppose you are driving and have a seizure. This could take your life unnecessarily.

Taking laxatives can have a rebound effect on your small intestine and colon. Your small intestine cannot absorb the nutrients your body needs, and the colon will stop working naturally, when it is being told when to work. This can lead to a damaged colon which has to be cut out and attached to your stomach with a colostomy bag to the outside for waste collection.

Taking laxatives causes your kidneys to shut down. When you remove all the water from your body through your colon, there is no reason for the kidneys to work, and they can shut down, causing you to have to go on dialysis.

Lastly, taking laxatives, can damage your heart. The electrolyte balance must be maintained for healthy signaling and rhythmic beating. Removing all the electrolytes from your system damages this delicate balance.

Learning how to fine-tune your eating for your best digestive health, starts with a book to learn which proteins work for your genetic blood type. Next learning which zone will work for you can be done by a simple genetic test. Are you low carb, or low fat. Are you balanced, or Mediterranean? Do you feel better eating protein, or vegetables?

Do you have any genetic aberrations, that could cause you to need additional nutritional support is another thing the simple genetic test will tell you. 40% of the population has MTHFR and eating the foods you need to support this condition will keep your colon clean and you happier and healthier.

Depending on supplementation can cause problems, because over supplementation, can cause a buildup of folic acid in the system, leading to cancer or an auto immune disease.

Learning how to manage your portion sizes, so you can help your colon heal. You may then learn how to maintain your best aging weight as well as keep your colon happy.

A happy balance of proteins and vegetables, for lunch or dinner.Fruits and fortified cereals with almond milk or fruit with yogurt or quinoa. You pick what you like best.

Learn which proteins are best for you, and which to avoid. Being open to change helps, because change is necessary to keep belly fat off.

The free newsletters, where you can get free coaching, and learn how to fine tune your eating.