Pickens

The other day someone asked me if she were a prude because she didn't feel like sleeping with a guy on the third date.

According to the box in her living room, Date 3 marks the customary kick-off for a new sexual relationship. If you're unwilling to hit the sheets with a new male by then, you may be branded a frigid loser and tossed onto the reject pile.

Guys have expressed consternation about this so-called rule, too. They're pressured. If they don't make a move by the third time out, some women accuse them of being weird or gay. But think about it: What kind of man gets into bed with women from the get-go?

Guys who think James Bond is a real person.

Guys who need to feel better about themselves.

Guys who have absolutely no self-control.

Put it this way, if a guy keeps pushing you, a virtual stranger, for sex right away, chances are he's pushing every other virtual stranger for sex right away. He probably won't make an ideal boyfriend.

I know what you're thinking. Sometimes a couple will click immediately. I do believe in love at first sight. But, most of the time after a third date, a woman doesn't even know if a guy picks his nose at traffic lights, let alone if he harbors a contagious lung disease. As for me, I would probably like to have a fair idea of a dude's hygiene practices before making serious contact. Why learn the hard way he gave up showers for well-targeted squirts of Axe Body Spray?

By the third date, you're just getting to know a person. Sure, you may be really attracted to the guy, but wouldn't you rather know that he still lives in his parents' basement before you sleep with him? Does he possess the characteristics you want in a friend? Is he worthy of your respect and admiration?

In the end, we all need a friend we can respect and admire.

When you sleep with a person you don't know, you don't know him any better afterwards. You don't really know if he likes you, or if you like him (although you may tell yourself you do to justify the sex). You don't know if he's honest, trustworthy, or kind, and he knows none of those things about you.

You're walking around with a big scary question mark in your head, and for what? Turn off the TV. Keep your clothes on. Make sure a man is worth your time before you sleep with him.

Terry Hernon MacDonald is the happily married author of "How to Attract and Marry the Man of Your Dreams." Sign up for free dating tips at http://www.marrysmart.com . For Dating Advice (Almost) Daily, check out http://www.happygirlmusing.com

# posted by sochalzqzsuh : 10:43 PM  0 comments

This is a FREE Insurance Claim Guide

Your Motor Vehicle can be a truck, car, motorcycle - - you name it! If its powered by a motor and has one, two, three, four (or even more) wheels this Guide is for you.

The information below is a bare-bones Guide for those who have had such a motor vehicle accident. It details the basics of how one should with their property damage and/or personal injury claim.

AFTER IMPACT CHECKLIST

We heartily suggest you make a copy of this "Impact Checklist" to be kept handy within the confines of your motor vehicle. A Guide to refer to so youll be certain, should an accident take place, that youve covered everything.

Other than the fact that one must obtain from the other operator, both their drivers license and motor vehicle registration information, you should also proceed to do the following:

IMMEDIATELY MAKE SPECIAL NOTE OF: Names and addresses of eye witnesses. And later the investigating police officers name and badge number. WEATHER CONDITIONS: Snow, rain, fog, mist, sleet, etc. ROAD SURFACE: Dry, wet, slippery, icy, etc.IMPACT AREA: City, suburban, business, wooded, etc. VISIBILITY: Sunny, cloudy, dusk, night, moonlight, etc. (Was the sun in the other drivers face)? TRAFFIC CONTROLS: Were there overhead lights? Posted speed limit signs? Stop or warning signs? Hospital or school zone signs? CREATE A DIAGRAM: Driving area: Flat, crowned, straight, curved, macadam, asphalt, concrete, cobblestone, dirt, etc. Indicate the width of street. Show the location of impact, gouge and/or skid marks. CONDITION OF MOTOR VEHICLE THAT STRUCK YOU: Age and general overall condition. Is their state inspection sticker displayed and up to date? Were chains or snow tires needed? AS SOON AS POSSIBLE RETURN TO THE SCENE AND SNAP PHOTOGRAPHS: Its most important to take pictures of: Skid or gouge marks on the road surface plus the damage to both vehicles. PHOTOS OF YOUR BODILY INJURIES: It's crucial to the ultimate value of your claim to snap a multitude of colored photos (up close and from different angles) of your bodily injuries - - especially all black and blue marks or bruises.

INSIGHTS INTO HANDLING YOUR CLAIM (There Are Six Areas You Must Be Familiar With) 1. Out-Of-Pocket Expenses 2. Lost Time From Work - Lost Wages 3. Property Damage Losses 4. What Your Medical Doctor And/Or Chiropractor Reports Should State 5. Medical Payments Coverage 6. What To Do If An Adjuster Refuses To Cooperate

You Should Go Into Detail Regarding These (Below Listed) Six Areas:

(1) OUT-OF-POCKET EXPENSES:These are expenses that can be measured in definite sums of money. They are the foundation of the calculations used to award damages (including that often great and extra amount paid to you for your Pain and Suffering) regarding any financial loss flowing directly from the injury you may have sustained.

MEDICAL EXPENSES: Obtain all bills and services rendered. (Prior to their being sent out, you have ever right to ask for and read the crucial Final Reports regarding your physical condition from your Doctor, Chiropractor, Medical Specialist and/or Dentist).Medical Expenses Typically Include: Ambulance ~ Emergency Room ~ Hospital or Clinic ~ Laboratory Fees and Services ~ Diagnostic Tests: (X-rays and/or CT Scan) ~ Registered or Practical Nurse Fees ~ Medicine and/or Prescription Medications ~ Prosthetic Appliances or Surgical Apparatus (Canes & crutch, etc.) ~ Physical Therapy ~ Ace Bandages, Gauze & Tape ~ Heating Pads ~ Creams, Ointments, Balms & Salves. As you read them make sure these Medical Reports include the length of time of your Total Disability and/or your Partial Disability. These are of enormous value because they justify the often HUGE, extra payment made for your Pain and Suffering . (Plus this information will also prove your claim for Lost Wages).

NON-MEDICAL DAMAGE EXPENSES. These include: Lost Wages and Earnings ~ Lost Vacation Time and/or Sick Leave ~ Travel Expenses: (Transportation costs incurred getting to and from The Doctor and/or Hospital, etc.) ~ Household Help During Disability ~ Child Care During Recuperation.

(2) LOST TIME FROM WORK - - LOST WAGES - - YOUR "LOSS EARNING CAPACITY": The weeks, hours and/or days you were unable to work (thus the money you may have lost) is added up and documented on company letterhead. Youre often entitled to compensation for Lost Time and Earnings even if you have no actual loss of money ! Such as, for example, if your salary is paid by some other insurance coverage you may have or by taking sick leave or some other similar arrangement. It doesnt matter if you're employed full time, part time, self-employed, own your own business, retired, unemployed, or a housewife not employed outside the home, you should keep a written record of all household help and/or child care needed during your disability period.

All of these constitute an element of your SPECIAL DAMAGES mainly "Lost Wages". Insurance companies usually don't view your time away from work (because of an injury) as Lost Time And Earnings but as Lost Earning Capacity. In most states one is entitled to compensation for lost time and earnings even if they have no loss of money. For example, when your salary is paid for by another insurance coverage you have or by taking sick leave and/or some other similar type of arrangement. There are specific situations to be considered and called to the forefront when it comes to being employed either full-time or part-time. More detailed information (regarding these above stated areas of your loss) are found in CHAPTER FOUR Damages within the book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(3) PROPERTY DAMAGE LOSSES: AGREED COST TO REPAIR: This figure has been negotiated between your damage repair person and the insurance adjuster. Be sure you know (and possess a written copy of) exactly what that figure is.COLLISION: There's usually a deductible. Read your policy. (If youre not at fault you should eventually be able to get this money back).PROPERTY DAMAGE LIABILITY: Protects you for damages you do to the property of another (i.e. his or her trees, lawn, shrubs, mailbox, etc.) EXCLUSIONS: These are stated in your policy. A good rule of thumb is, If its not excluded, its covered. Read your policy closely to discover your exclusions and how they apply. TOTAL LOSS: A Total Loss is when the motor vehicle damage exceeds the value of the vehicle, as stated within all of the up-to-date and Official Property Damage books and/or documents. OTHER PROPERTY DAMAGE LOSSES: Clothing, jewelry, watches, eye or sunglasses, etc. You can also collect for your (or any other individuals) personal property which happened to be in the car and was damaged. (Be sure to have written proof of the cost of each item damaged plus the date it was purchased). Never forget: Youre entitled to be reimbursed for any charges you may have incurred for towing, storage and/or substitute motor vehicle rental, or for that matter - - any other alternate transportation.

The above is a very brief review. For more in-depth information read CHAPTER FIVE: PROPERTY DAMAGE found in AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM.

(4) WHAT YOUR MEDICAL DOCTOR AND/OR CHIROPRACTOR REPORT SHOULD STATE: Each Injury Evaluation Factor should be clearly stated within each of your final Medical Reports. For example: That your disability is solely the result of the accident. If there were any pre-existing conditions aggravated by your injuries? What treatments were administered and for what duration? What medications were prescribed, in what amounts and for how long? What symptoms or medical problems were such medications meant to relieve? Were there any adverse reactions demonstrated? Ask to read them before they're sent to the adjuster so you're sure it explains the nature, plus the extent and frequency of the pain that an injury, such as yours, will likely cause.

PROGNOSIS: This is the clearly stated information (regarding your personal injury progress) and should include: The part played by a pre-existing condition, if any? Their prediction of any possible future temporary disability/impairments? Does the individual attending you anticipate any further or future treatments? LENGTH OF YOUR TOTAL DISABILITY: Why? Because it's so important (when it comes time to settle) this is clearly stated in weeks and days. LENGTH OF YOUR PARTIAL DISABILITY: Again (and for the same reason as above) this too should be clearly stated in weeks and days. (Specific details, regarding both Partial and Total Disability , and the incredible value it provides for you in your claim, are found in CHAPTER SIX: YOUR BODILY INJURY).

(5) MEDICAL PAYMENTS COVERAGE: If you have this coverage in your motor vehicle policy, it will pay (up to the limits stated) for all medical bills arising out of the accident - - regardless of whos at fault! (You must read your policy carefully because the Who, Why and/or How of this often differs).

A WORD ABOUT HEALTH INSURANCE PLANS: In certain instances, it may be possible to have your medical bills paid and yet avoid any repayment by tapping into your health insurance coverage, or some other plan you may have. (Yes, this means, under certain circumstances, you may be able to collect twice for the same medical bills)!

(6) WHAT TO DO IF THE ADJUSTER REFUSES TO COOPERATE? These Are Your Usual And Routine Choices: a. Threaten that you're going to obtain the services of a lawyer to represent you. b. Go over the adjusters head. c. Resolve your loss in Small Claims Court. d. Contact the proper people (working through the State Department of Insurance) implementing the time honored principle of Good Faith vs. Bad Faith.

All the information necessary for you to deal with and handle the above issues are spelled out within the contents of AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book also contains BASE (The Baldyga Auto Accident Settlement Formula). THE BASE FORMULA will tell you exactly how many dollars the "Pain and Suffering" you endured are worth.

DISCLAIMER: The only purpose of this article is to help people understand the motor vehicle accident claim process. Dan Baldyga, does not offer a guarantee of any kind whatsoever, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUALS RESPONSIBLY to obtain such services.

Copyright (c) 2004 By Daniel G. Baldyga. All Rights Reserved.

About The Author

For over 30 years Dan Baldyga was a Claims Adjuster, Supervisor, Manager and Trial Assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claim so they will not be taken advantage of. dbpaw@comcast.net

# posted by sochalzqzsuh : 4:36 PM  0 comments

What an outrageous statement! You're probably wondering "how in the world could anyone possibly make money by visiting the dentist." Well, it's not as outrageous of a statement as you may think. Read on and learn.

The first way for this to work you'll need to have an issue that needs to be taken care by by visiting the dentist such as a crown, root canal or some type of major issue that needs to be cared for.

It's actually very simple. If you are suffering from a painful condition that requires a root canal then you eventually must see a dentist, either for the root canal or an extraction. I'll share another secret with you. You'll only be able to get just so many teeth pulled before you're drinking your food from a straw, in which case, you'll be needing dentures and then I'll be right anyway because you'll have to pay for the dentures instead of the root canal.

The first thing that you'll need to do is to purchase yourself what's called a "dental discount plan." This type of dental plan, while not dental insurance, will allow you to save a substantial amount of money simply by paying cash to your dentist at the time of your visit.

Most of these discount plans pay anywhere from ten to sixty percent, depending on the procedure performed.

This is how it will work for you. The average cost of a good dental discount plan is around $110.00 for a single person and around $150.00 for the entire family for a full year. For this example, I'm going to use the higher rate of $150.00.

Alright, the average cost of a root canal is around $829.00. This is the amount that you WOULD HAVE had to spend. The average cost of a root canal when you have a discount card, and pay cash at the dentist, is only around $500.00. So let's add the $500.00 discounted price to the $150.00 cost of the discount plan. $500.00 plus $150.00 = $650.00. This is what you'll now have to pay the dentist to get your root canal taken care of. Subtract what you would have had to pay, if I hadn't brought this opportunity to your attention, and you've just pocketed $179.00.

How did I figure that amount you say? Because you WOULD HAVE paid an average of $829.00 in order to get that procedure performed. I showed you a way to get the same procedure done, by a fully qualified dentist, for only $650.00, including the cost of the discount plan. That's a difference of $179.00.

Now let's say that you don't get the root canal taken care of, which wouldn't be very smart, but we'll figure it anyway.

For one thing, you're going to eventually have to have several tooth extractions performed if you don't take care of your teeth. Multiply that by four for a family of four.

Eventually, you'll be forced to purchase dentures. Dentures can be extremely costly. That's why it is so important to take care of your teeth in order to prevent having them all pulled. However, in some cases it's already to late.

Dentures cost an average of $1250.00 for the upper denture alone. Most Prosthodontists are not cheap. However, you can ease the financial "pain" by purchasing the dental discount plan.

Example, the average cost for your upper dentures alone is around $700.00. If you add on the cost of the discount plan then it adds up to be $850.00. Subtract $850.00 from the $1250.00 that you WOULD HAVE spent and I just put $400.00 in your pocket. That's just for the upper dentures. You'll save more on the lower ones, when you need them.

Also, any other dental procedures that you or your family have done in the next year will be done at a substantially discounted rate. This could potentially add up to thousands of dollars in savings when you include x-rays, check ups, fillings, braces, oral specialists and much, much more.

If you don't have any type of dental coverage for yourself or your family then I highly recommend that you look into purchasing a good dental discount plan. Nothing like getting paid to visit the dentist.

Joe Stewart is an webmaster and former Life and Health Insurance agent. Feel free to drop by his website at Discount-Dental.net or by clicking on Affordable Dental Plans

# posted by sochalzqzsuh : 10:33 AM  0 comments

Would you like to receive the magic of love? Are you willing to give it? Try this - For one day, consciously make an effort to be loving or kind to everyone you see, with no expectations of receiving anything in return.

For example, compliment, acknowledge, or smile at people at work, home, on the street, and in the stores. Notice how you feel at the end of the day. Your heart will probably feel warmer and bigger. The loving action can make their day as well as yours. It is likely that the people you touch with the magic of love will pass it on to others. You will never know for sure how many people's lives you have touched with these simple, free, kind acts. Just trust that you are making a difference.

It worked for my client Jerry, a thirty-six-year-old computer engineer. He was surprised when I suggested that he try the experiment. The lonely, single man was complaining to me that people are so mean and nasty. Obviously, Jerry had low self-esteem and poor relationship skills.

I said, "Jerry, are you willing to go to work tomorrow with a smile, and acknowledge and compliment people? I do not mean to make up remarks. Just look for something true and positive to say to your boss and co-workers. Notice how you feel and how they respond."

The following week, Jerry walked into my office with a smile on his face. That was the first time I saw that happy expression since his first counseling session. As soon as he sat down, Jerry exclaimed, "It worked, Helene! It was amazing! I did what you suggested and everyone responded back in a positive way. The whole office felt different, and now I look forward to going to work. That is a miracle!"

I congratulated Jerry for offering the magic of love, and acknowledged his courage and progress. This seemed to be a turning point in his life. I continued to help him feel good about himself with the HART process (Holistic And Rapid Transformation), and improve his communication skills. Before long, he started to date and enjoy social activities.

I have also had great success with the magic of love. When I lived in the country, I used to take regular walks on the dirt road. I smiled and thought the words "Bless you" as I waved at every car that drove by. Almost everyone responded by sending me back a warm smile and wave. It felt so good to spread caring. What a wonderful world this would be if everyone realized the importance of and took the time to spread the magic of love.

2007 Helene Rothschild, MS, MA, MFT, is a Marriage, Family Therapist, intuitive counselor, speaker, and author. The article is excerpts from her new book, "ALL YOU NEED IS HART!" A unique guide to Holistic And Rapid Transformation. She offers phone sessions, books, e-books, MP3 audios, and a free newsletter. http://www.lovetopeace.com , 1-888-639-6390.

# posted by sochalzqzsuh : 4:17 AM  0 comments