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John Stossel makes the case that we should pay for own healthcare. What a shocking notion!

Duration : 0:6:44

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A video guide to insurance marketing. This is video tip #1 in a series of insurance marketing and financial services marketing videos. Published by Brian Maroevich, http://www.insurance-leads-advisor.com

Duration : 0:3:33

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Legal aspects

Because many religious authorities generally disapprove of gambling to some extent, and because gambling can have adverse social consequences, most legal jurisdictions limit gambling to some extent. Some Islamic nations prohibit gambling; most other countries regulate it. Most countries’ laws do not recognise wagers as contracts, and view any consequent losses as debts of honour, unenforceable by legal process. Thus organized crime often takes over the enforcement of large gambling debts, sometimes using violent methods.

Because contracts of insurance have many features in common with wagers, legislation generally makes a distinction, typically defining any agreement in which either one of the parties has an interest in the outcome bet upon, beyond the specific financial terms, as a contract of insurance. Thus a bet on whether one’s house will burn down becomes a contract of insurance, as one has an independent interest in the security of one’s home.

Furthermore, many jurisdictions, local as well as national, either ban or heavily control (by licensing) gambling. Such regulation generally leads to gambling tourism and illegal gambling, the latter often under the auspices of organized crime. Such involvement frequently brings the activity under even more severe moral censure and leads to calls for greater regulation. Conversely, the close involvement of governments (through regulation and gambling taxation) has led to a close connection between many governments and gambling organisations, where legal gambling provides much government revenue, such as in Monaco or Macau.

There is general legislation requiring that the odds in gambling machines are fair (i.e. statistically random), to prevent manufacturers from making some high-payoff results impossible (since these have very low probability, this can quite easily pass unnoticed).

Gambling variables

- How much is being wagered, the initial stake (in money or material goods).
- The predictability of the event.
- In mechanical or electronic gambling such as lotteries, slot machines and bingo, the results are random and unpredictable; no amount of skill or knowledge (assuming machinery is functioning as intended) can give an advantage in predictability to anyone.
- However, for sports events such as horse racing and soccer matches there is some predictability to the outcome; thus a person with greater knowledge and/or skill will have an advantage over others.
- The odds agreed between the two (or more) parties to the wager; where there is a house or a bookmaker, the odds are (quite legally) arranged in favour of the house.

The expected value, positive or negative, is a mathematical calculation using these three variables. The amount wagered determines the scale of an individual wager (bet); the odds and the amount wagered determine the payout if successful; the predictability determines the frequency of success. Finally the frequency of success times the payout minus the amount wagered equals the “expected value” The skill of a gambler lies in understanding and manoeuvring the three variables so that the “actual value” is positive over a series of wagers.

Psychological aspects

Though many participate in gambling as a form of recreation or even as a means to gain an income, gambling, like any behavior which involves variation in brain chemistry, can become a psychologically addictive and harmful behavior in some people. Reinforcement phenomena may also make gamblers persist in gambling even after repeated losses. Because of the negative connotations of the word “gambling”, casinos and race tracks often use the euphemism “gaming” to describe the recreational gambling activities they offer.

The Russian writer Dostoevsky portrays in his novella The Gambler the psychological implications of gambling and how gambling can affect gamblers. He also associates gambling and the idea of “getting rich quick”, suggesting that Russians may have a particular affinity for gambling. Dostoevsky shows the effect of betting money for the chance of gaining more in 19th-century Europe. The association between Russians and gambling has fed legends of the origins of Russian roulette.

Luciafree
http://www.articlesbase.com/online-gambling-articles/about-casino-75781.html

Smokers have serious health issues. This leads to higher absenteeism and higher costs for their health insurance. Being addicted, they need their frequent smoke breaks, which burdens other employees who have to cover for them. Many smokers stink, even when they are not smoking, because the smoke odor gets into their hair, clothes and bodies, so they are not nice to be around.

As addicts, smokers have lost control over a part of their lives. Would you hire an out-of-control alcoholic? Or some heroin junkie who needs to shoot up every few hours? I didn’t think so.

Some big employers will no longer hire smokers. The World Health Organization comes to mind. If a smoker is too weak-willed to get clean from his habit, isn’t that a serious personality defect? Nicotine is controlling his life. The smoker is a loser.

So if I owned a business I would not hire a smoker. What about you?

Oh yes, they will sometimes say their smoking is a "right". FACT: It is a habit, not a right.

Nope. The smokers in DH’s office are universally a bunch of slugs. They are always skittering off when the work gets tough b/c they "need" a smoke. Besides, they are always cold b/c they have no freaking oxygen in their blood & their vessels are all constricted, so mgmt ends up turning up the thermostat, leaving all the O(2) saturated people to stew in their own juices. Don’t even get me started on the stench.

I have a friend who has a basement wall that looks like it may collapse in the next year or so. Would a basement wall collapsing be covered by her home insurance?…if so, what words/terminology should she be looking for in her insurance policy? (the policy is so difficult to understand because it doesn’t use words that non-insurance professionals can understand).

Also, would the home insurance even cover the collapsed wall?…or would the insurance consider it a "pre-existing" condition type thing? Which leads me to ask, do insurance company’s consider "pre-existing" conditions on material things, such as home or car? (I know health insurance company’s do).

Thanks in advance.

Home insurance is intended for sudden unexpected catastrophic losses. It does not cover things that are obvious maintenance issues or wear and tear. It also does not cover additional damage that could have been prevented if you had taken steps to mitigate damage. It also does not cover damage from surface or ground water unless you have specific separate flood insurance for that.

So if a basement wall is obviously cracking and buckling over time, that is something she would need to take care of herself.

With economic troubles dominating the race, McCain opened the new line of criticism against Romney at his first event of the day in Fort Myers, Fla., and sought to shift the campaign back to his strength, national security, and away from Romney’s, the economy.

First, he slapped at Romney without naming him during a question-and-answer session with Floridians, saying: "Now, one of my opponents wanted to set a date for withdrawal that would have meant disaster."

Minutes later to reporters, the Arizona senator was more direct: "If we surrender and wave a white flag, like Senator Clinton wants to do, and withdraw, as Governor Romney wanted to do, then there will be chaos, genocide, and the cost of American blood and treasure would be dramatically higher."

Asked about the comment in Land O’ Lakes, Fla., Romney bristled.

"That’s dishonest, to say that I have a specific date. That’s simply wrong," he said. "That is not the case. I’ve never said that."

The former Massachusetts governor added: "I know he’s trying desperately to change the topic from the economy and trying to get back to Iraq, but to say something that’s not accurate is simply wrong — and he knows better."

Later in Sun City, Fla., McCain stuck to his assessment and said: "The apology is owed to the young men and women serving this nation in uniform."

He said he was quoting Romney as favoring a "timetable" for withdrawal and argued that he was not misquoting Romney, saying, "Clearly, the impression was that he was ready to set a date for withdrawal."

But Romney quotes circulated by McCain’s campaign didn’t show Romney making that exact comment — nor did aides back up McCain’s earlier comment that suggested that Romney "wanted to set a date for withdrawal."

In an interview with ABC News in 2007, Romney said: "There’s no question that the president and (Iraqi) Prime Minister al-Maliki have to have a series of timetables and milestones that they speak about. But those shouldn’t be for public pronouncement. You don’t want the enemy to understand how long they have to wait in the weeds until you’re going to be gone."

While Romney has never set a public date for withdrawal, he has said that he agrees with Gen. David Petraeus, the top U.S. commander in Iraq, that U.S. troops could move to more of an oversight role in 2008.

McCain, for his part, has been a staunch supporter of the Iraq war and advocated more troops on the ground for years before Bush embraced that position last year and ramped up the number of U.S. forces in Iraq. The buildup helped curb violence in Iraq, and McCain has not been shy about claiming credit for the strategy’s success.

Romney aides labeled McCain’s charge "stunningly false," while McCain aides portrayed his Iraq comments as part of a broader effort in the coming days to question Romney’s leadership, foreign policy experience and judgment.

A former venture capitalist and business consultant, Romney has spent the past week arguing that he is the Republican best able to right a troubled economy, given his 25-year record in the private sector. He’s argued that McCain, who has spent much of his life in the military and in Congress, doesn’t have the qualifications necessary to lead the country out of a potential recession.

McCain, in turn, has sought to beat back Romney on the issue by arguing that a president needs to be ready to lead and qualified on both national security and economics, and he offers both — despite having previously acknowledged that the economy is not his strongest suit.

He also sought to rebut Romney’s criticisms in an unusual fashion: he dispatched high-profile surrogates to talk with the press corps traveling with the former governor. Among them: former Pennsylvania Gov. Tom Ridge and former Massachusetts Gov. Jane Swift. She boarded the Romney press bus to repeat similar criticisms to reporters.

____

Associated Press Writers Glen Johnson in St. Petersburg, Fla., and Libby Quaid in Fort Myers, Fla., contributed to this report.

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Telling the truth would often result in alienating a block of voters. In a close race that can mean defeat in an election. Getting elected is a politician’s top priority, above all else. They all do it. JFK lied when he said the U.S. farmer could feed the world. He knew it wasn’t true, but it got him the farm vote along with a lot of the do-gooders votes–farmers saw $ bills while others felt the tug on their heartstrings. Ike Eisenhower was Supreme Commander of Allied Expeditionary Forces in Europe in WWII and later a two-term president. But it wasn’t ’til his farewell address to the nation that he warned us about the threat of our "huge military industrial complex". He had basically lied about it for his enire career by hiding from the general public what he knew. And even though I’d call him basically a good man, albeit plenty paranoid, even he was probably overwhelmed by it all. I could not imagine a politician surviving political office by telling the truth all the time. Jesus Christ tried it and you see what they did to him.

I am a new life agent and I am trying to get started in the insurance industry. I am looking for more sources of leads other than my family, friends or the local chamber I’ve joined. Does anyone have any ideas??

Try this site: http://www.lifeleadsdirect.com/

You can browse their database and "cherrypick" leads that meet your critiera. When you register, you can receive emails about potential clients as they become available in your area. You can review the potential lead–M/F, age, height, weight, how much insurance they have, how much they want, what type–and decide whether or not to buy it.

If you have more budget, go to: http://www.ileads.com/

For a little more money, they will provide you with real-time leads collected from their network of websites, "scrubbed" for accuracy, and forwarded straight to you. You can also establish your parameters with them. If you have a "bad" lead–one that you are unable to contact for some reason–they will replace it.

Good luck!

http://www.motorcyclecrashes.net

A motorcyclist is distracted by a police cruiser in the intersection ahead and forgets to pay attention to the red light, cruising into oncoming traffic!

Duration : 40 sec

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http://www.TheSGHWay.com this will help you with your capture pages on how to get there information i use a nice tool from there are others but it is cheap with good quality. i will also show you how to set up your auto responder with them enjoy.

Duration : 10 min 10 sec

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With the rising costs associated with every day living, the last thing you should pay more for is your homeowners insurance. Find out how you can save up to 25% on your homeowners insurance now and get a free quote from an agent near you to see if you're already paying too much on your current plan.

Duration : 52 sec

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