Archive for February, 2009

General Troubles with American Insurance

At this movement every one must have insurance to be safe but many people have trouble with their insurance companies, and this causes people to change to different insurance companies because they soon realize that they made a blunder mistakes. Generally main problem with insurance is claiming insurance policy because insurer will most likely agree to pay you for the claim you made, on the other hand not the exact amount. General problems we are facing with insurance is:

  • You have unnoticed the entire value of your property when you applied for a household contents insurance policy and presently do not have a sufficient amount of insurance to cover your losses.
  • Your insurer doesn’t agree with the value you set on the contents of your home, and won’t give you full but only a part of the claim.
  • If you are in a condition where you have a ‘new for old’ policy, the item which you’re making a claim on was old; your insurer will not pay you the full value for replacing it with a new item. Because of the fact the item has already been used.

When your insurer refuses to pay your claim you should consider about your policy. For example it could be because of the following:

  • The occurrence you are making a claim on is not covered by your policy.
  • You may have failed to pay for the installments of your premium in the past.
  • You may have failed to notify your insurer of any changes in your circumstances.
  • You may have failed to follow the claims procedure of your policy precisely.
  • You may have not kept to a condition of your policy.

Uninsured losses: In some cases you may be in a situation where an incident can end up in expenses that is not covered by your policy. This is known as uninsured losses.

Read the rest of this entry »

Tags: ,

How to Stop Abusing Marijuana?

It is important to stop or cause to stop the person to use marijuana. Let us consider some techniques in this respect.

Self-assessment and daily program is needed to support the persons who want to stop abusing marijuana. Parents have to take care of their kids and have to stay vigilant in this respect. If parents doubt, they have the option of using home drug test kits available in the market at affordable price. By this they can make their kids stop using marijuana in the initial stage.

Parents, relatives, or friends who care about them should list all the health problems related to marijuana and how dangerous they are. They should advise their kids on the matter. They should persuade and encourage persons suffering from marijuana abuse so that they can come back to their original lives.

Teachers/Lecturers should spread awareness about the evil consequences of marijuana abuse, by listing all the illnesses because of marijuana.

The persons who are addicted to marijuana should be kept busy.

Slowing down gradually and stopping completely using marijuana is one of the steps to follow up as it is difficult to stop all at a once. Have diverse means of entertainment such as games, music, pursuing hobbies like painting, and others. There should be more physical exercise. The persons should eat plenty of healthy food, drink adequate water and fruit juice. Let the persons not be alone. Let them stay around people.

Exercise is one of the best ways to stop from abusing marijuana as it helps destroy fatigue, and sleep easily.

Above all, a person’s honesty plays a crucial part by taking a decision not to smoke marijuana again. If you are serious about quitting, the best way is to simply stop taking drugs. It is harder but simply stopping one day and never going back to it is the best way to quit abusing marijuana. Start to lead a new life!