Monday, November 7, 2011

"Enough is enough! Why are Insurance rates increasing?



 

 



 

 

With These Recipes In Your Hands, You Can Achieve The Best Health Of Your Life, Be In The Best Shape Of Your Life And Experience More Energy Than Ever Before... Let Me Show You How...

The paleo diet is a diet that gets your body healthy - all the positive results simply fall into place.

Increased Energy

Increased Sex Drive
Clearer, Smoother Skin
Weight Loss Results
Better Performance and Recovery
Stronger Immune System


This cookbook may help to assist you in eating well.


It can be difficult to eat well when your pennies are being pinched.





It is getting to the point where I can't afford to put food on my families table, because the money is going to the insurance company. I am with State Farm Insurance in Brockville, Ontario, and over the last two years, my insurance has risen over $30.00. 

I increased my deductible by $1000 to lower my insurance just enough to scrap through, since I was unemployed at the time. Now, it hasn't even made a dent.

The only job I am able to get right now is as a cleaner for minimum wage. I do some work on the side, but my day job still pays the bills.


Insurance rates have been increasing for a variety of different reasons. Mainly, they have been spurred by rising costs for water damage as pipes burst and sewers back up into finished basements.


According to my insurance broker, more people are having their basements finished. Basements that should never have been finished in the first place.


Home, insurance Rates are based on a many factors, including weather your neighbourhood is prone to sewer backup, the crime rate in your neighbourhood, proximity to a fire hydrant, the value of your personal property, your insurance history, and past claims. These are just a few of the many factors affecting your home insurance rates.


In Ontario, insurance rates are controlled by the government. The government allows insurance companies to increase the rates, and the insurance companies, in turn act on it to take advantage of the situation, since they don't know when they will be allowed to increase the rates again.


Should the government be allowed to control the rates of the insurance companies? Yes, and no. In theory it is a good idea, but depending on who is in control, the rates can quickly climb.


Since the government gives the okay to insurance companies to increase rates, depending on who is in control, you can expect everything to be relatively stable. If the government was not in control, there may be more competition between insurance companies, the small companies would be gobbled up by the larger companies, or be driven out of the market.


Be careful, always make sure your credit score is okay. Some insurance companies are starting to use credit scores to determine your rate.If your like myself and always pay you bills, and keep on top of your finances, you should be okay. Beware though, some insurance companies are doing credit checks without your express consent.


Just 
check this out. It will make you mad.

Where does the madness STOP! If you are not able to make any more than minimum wage, depending on the job market where you live, and your current situation, it can be a challenge to keep up. Eventually your

ability to put food on the table is in jeopardy.

My Zimbio
Top Stories

Thursday, October 6, 2011

Marriage is Meaningless









Marriage can be defined as a social union between two people. Essentially it is a religious contract, that states you are together with your soul mate, and vow to be faithful. In the Christian based contract it states, "Believing that marriage is a covenant, intended by God to be a lifelong relationship between a man and a woman, we vow to God, each other, our families and our communities to remain steadfast in unconditional love, reconciliation and sexual purity while purposefully growing in our covenant marriage relationship." 

Does it mean anything?





No, it is worthless. It means nothing. If you truly trust your soul mate, and are committed to them, marriage means nothing. It is a true waste of time and money. However; it can be said, that marriage is not an absolute waste of money.

Marriage solidifies the love shared between a man and a woman, (or one man or woman and another man or woman). It demonstrates a commitment a man has to the woman, and a woman has to the man that there with (or the opposite, for example lesbians and homosexuals).  


For example, lets look at Gene Simmons. Gene and Shannon Tweed have been together for 28 years, and have never been married. (Myself, I have been with my significant other for 13 years, and have never married. We believe that marriage is a contact. We're still together because we want to be.) Recently, though, they have decided to finally get married. 

 





Gene wants to show Shannon that he is committed to their relationship, and that he will stop appearing with other woman, and stop deleting his text messages. Shannon wants him to demonstrate that he is committed.


In retrospect, the concept of marriage is still foreign to me. It still means nothing, except a public declaration of love between a man and a woman.  In viewing the drama between Gene and Shannon, I agree with Shannon. Maybe marriage does have some meaning after all.

"Out, out, brief candle! Life's but a walking shadow, a poor player that struts and frets his hour upon the stage and then is heard no more: it is a tale told by an idiot, full of sound and fury, signifying nothing." Macbeth Quote (Act V, Scene V).