Calendario

Diciembre. 2016
LunMarMierJueVierSabDom
 << <Dic 2017> >>
   1234
567891011
12131415161718
19202122232425
262728293031 

Anuncio

¿Quién está en línea?

Miembro: 0
Visitante: 1

rss Sindicación

Anuncio de los artículos posteados en: Enero 2016

22 En 2016 

How to Choose My Wedding Dress

Average:

Your rating: None Average: 1 (1 vote)

If you are a young woman you have thought about how you want to look on your wedding day. This is the one thing that your wedding planner cant help you with. The problem that most brides-to-be run into is trying to fit into the wrong bridal dress for their body type. Not everyone will look great in every style. They look through bridal magazines and see the most gorgeous wedding gowns on bridal gown those perfect size 00 bodies and think that they would look just as good in them then are disappointed when the reality hits them.



This article will give you pointers about buying the perfect wedding dress, which is the first step in wedding planning. The trick is to find a dress that complements you specific body type. Every aspect of the wedding dress has to be considered when contemplating your wedding bridesmaid gown. The right bodice, cut, style and fabric can make all the difference.

Full figured brides should pay careful attention to the cut. That mermaid dress may look good on a model but for a full figure an A-line dress works best. It adds height and draws attention away from the waistline. It is also important that full figured women stay away from the bodice and skirt types of wedding dresses. These cut up the line and will make them look chunky. Dont be afraid to show off your figure and your curves. Deep Vs and low scoops on necklines can be very flattering.



wedding dress style. A straight gown on a short woman is not very flattering unless you intend to have a full veil to offset it.

The square shaped bride needs wedding venues a gown that creates the illusion of curves. Something with a cinched waist on a beaded bodice works very well. This is made even nicer by adding a fuller skirt to simulate hips. It is best to stay away from clingy A-line type bridal gowns since there is no way to create the illusion.

Author's Bio:



Look for more tips like these on your wedding planner website like iWedPlanner or the wedding planner app for iPad, iPhone or Android mobile devices. These give you access to hundreds of designers and extensive online bridal shops. They are also an excellent tool to find more wedding ideas and bridal tips. Sign up today and find the wedding dress that you always dreamed of or find one that will make you the star of your wedding story.

Admin · 11 vistas · Escribir un comentario
21 En 2016 

Life Insurance firm rejects coverage



Editors note: Reporter Jason Campbell is chronicling his effort to improve his health.

I came up with the stupidest reasons not to get in shape:

I spent too much money on nice clothes for my new size and theyd all be worthless

I dont have the time to go to the gym

I dont have the money to stock the fridge with healthy food

There are better things that I can be doing

But the truth of the matter is, Im just lazy.

There. I said it.

If given the opportunity to work out or sit in front of the television and watch The Wire for the 10th time, Im always going to pick television its my release and my way to get lost in a sea of fictional characters and involved with stories and locations that Ill likely never encounter in my day-to-day life.

But the problem is that I cant be lazy anymore. I last tipped the scales at 308 pounds, and while thats more than 40 pounds lighter than I was at this time last year by simply making small life changes encouraged and at times demanded by my wife, its still nowhere close to where I need to be.

Because according to the convenient little chart that my doctor looks at when I get my physical, Im obese.

I know some news flash, right?

But the problem with being overweight or obese, as the smart people around me like to painstakingly point out is that it extends beyond just a sheet of paper in your doctors chart that describes you.

Just recently my wife signed me up for life insurance through her work (I know red flag) and everything was going swimmingly with the Metropolitan Life Insurance Company of Manhattan you know, the Peanuts people until they had me fill out a survey that listed a lot of things about my otherwise impeccable health, like whether I had diabetes and whether Ive ever had any sort of a heart problem.

No, and no I replied. I only took one medication, and that was going to halt rather quickly, which I noted.

But four days later I got a notice in the mail saying that my request for a policy had been denied because of various factors that were listed on my application. Yes my height and my weight. Sigh.

Its a shock to the gut when you find out that the people who insurance pay out money in case you die dont want to take your money for their investment portfolio because they think youre going to die sooner rather than later that the cost-benefit of your life according to people who make cost-benefits analyses about peoples lives doesnt measure up.



At that point it becomes about something more than just whether your clothes fit good and whether or not youre happy with being able to get up off the couch without rocking back before going forward.



Its about whether youre going to be able to provide for your wife and children in the unlikely event that something catastrophic happens that youre not going to leave them with your debt and your burden.

It becomes real.

This hasnt been an easy adaptation to make. My eating habits are terrible, and my schedule makes my attendance at times spotty going for three days in a row insurance advice and then spending the next four away from the gym.

But I have people that depend on me now, and tipping the scales at more than 300 pounds is not something that Im comfortable with anymore. I owe the comfort of security to my wife, and Im hoping that a renewed sense of dedication with an old sports friend and the accountability that comes with writing this update every week will motivate me to make the changes.

I wish I had never gotten to this place, because its far easier to get out of shape than it is to get back into shape once you find yourself in that position.

But Im here.

Its what I choose to do with the situation in that determines my fate and my future.



For once Im looking at it the right way.

Now pass the potato chips. Im starving.

21 En 2016 

Car insurance policies - May. 28, 2015

Most states require bodily-injury liability insurance to cover medical treatment, rehabilitation and funeral costs incurred by your own passengers, other drivers, their passengers and even injured pedestrians. Other costs covered include lawyers' fees and non-monetary losses related to pain and suffering.

State minimum-coverage limits are too low to protect the assets of most motorists. Unless your income and assets are minimal, buy at least $100,000 per person, $300,000 per accident.

Property damage:

Property-damage liability covers repair or replacement of other people's cars and property. State minimum limits average about $15,000. With the average cost of a new car at $30,000, however, buy at least $35,000 in coverage.

Uninsured-motorist:

When a hit-and-run driver, or someone who's inadequately insured, strikes your car, uninsured-motorist and underinsured-motorist coverage pays for the medical, rehabilitation, funeral, and pain-and-suffering costs of the victims in your car. This crucial coverage also insures your household members as pedestrians. Buy this coverage at the same limits as your bodily-injury liability coverage.

Personal-injury free insurance quote protection (PIP)

Often known as "no-fault," this covers medical, rehabilitation and funeral costs for household members, as well as some lost wages and in-home care. Unless your health and disability coverages are slight, buy the minimum required.

If your budget permits, consider the following options:

Collision:

Pays to repair or replace your car after an accident. If you have bought a new car with a loan, you'll be required to buy this coverage.

Comprehensive:

Pays if your car or its contents are stolen, or if your car is damaged by fire, water or other perils. Lenders will also require this coverage.

For both, you'll have to choose a deductible: a dollar amount you fork over to the repair shop before the insurer antes up. The higher the deductible you carry, the more you'll save. Try to carry a deductible of at least $500 on each coverage.

For cars worth less than $5,000, comprehensive and collision probably aren't worthwhile. Over time, the premiums you'll fork over will probably exceed the payout, even if your car is totaled. Plus, in an accident that isn't your fault, you can figure that the other driver's insurance will cover your best business insurance car. (To estimate your car's market value, consult the Kelley Blue Book.)

You can probably do without these:

Medical payments

This coverage pays the deductibles and co-payments not covered by your health insurer, or the insurer of any of your passengers. It also covers some funeral and rehabilitation costs. It's not useful unless you face very high health-insurance deductibles. If your state requires it, buy the minimum.

Towing and labor

This only pays if you can't drive your car away from an accident. Members of auto clubs with such privileges don't need this coverage.

Rental insurance

It costs only a few dollars per year, certainly a worthwhile expense if you travel and rent cars frequently. But spare the expense if you don't rent cars often and can depend on another car in a pinch.

Glass breakage

Glass breakage coverage can add up to 20 percent to your comprehensive premium. When it's not built into the premium, avoid it.

Here are some other money-saving tactics:

Combine coverage.

As with any product, it's cheaper for insurance companies to sell more to one customer, so insurers often cut premiums up to 15 percent if you link auto and homeowners' policies.

Sweat the small stuff.

Frequent claims are red flags for insurers; some won't renew policyholders with more than two claims in three years. So try to carry more of the risk yourself by paying for repairs costing under $1,000 out of your own pocket. Or, if the damage is purely cosmetic, you could just ignore it.



Raise your deductible.

The average driver files a collision claim once every three years, and a comprehensive claim once every 10 years. Increasing a collision deductible on your auto policy from $200 to $500 can save up to 30 percent annually. Given the likelihood of filing a claim, you might come out ahead with the higher deductible.

Drive safely.

A clean driving record -- for at least 36 months -- keeps your premiums low. Completing a defensive driving course can also qualify you for a discount.

Pick the car carefully.

Cars that cost a lot to repair, or that are popular with thieves, can cost more to insure. The National Insurance Crime Bureau has a list of the most frequently stolen cars.

Park your teens in one car.

Name teenagers as the occasional drivers of your least-expensive car, and make sure they only drive that car.

Get your credit straight.

Insurers have access to all sorts of personal information, including your motor vehicle record, credit record, and your history of claims with other insurers. It makes no sense to lie about your background. Mistakes can happen, however, and a glitch on your report could make you look like a worse risk than you are. If you haven't done so in a few years, consider obtaining your credit report from all three credit reporting services.

Keep records:

When filing a claim, your best protection is good records. After a car accident, take down the names and license numbers of all drivers involved, and identify any witnesses. Record your version of the event; take photos, if possible. Get the police report.

CNNMoney (New York) First published May 28, 2015: 5:41 PM ET



15 En 2016 

suggest me USA local business directory?

Report Abuse Additional Details If you believe advertise your business online your intellectual property has been infringed and would like to file a complaint, please see our Copyright/IP Policy

Report advertising your business Abuse

Cancel

Report Abuse Additional Details If you believe your intellectual property has been infringed and would like claim business on google to file a complaint, please see our Copyright/IP Policy



Report Abuse

Cancel

Report Abuse Additional Details If you believe your intellectual property has been infringed and would like to file a complaint, please see our Copyright/IP Policy

Report Abuse

Cancel

15 En 2016 

Tobacco warnings latest business free-speech case | Reuters

WASHINGTON Tobacco companies are the latest of several corporate groups to assert a right to free speech in a high-profile legal battle that could end up in the U.S. Supreme Court.



Reynolds American Inc's (RAI.N) R.J. Reynolds unit, Lorillard Inc LO.N, Liggett Group LLC and Commonwealth Brands Inc, owned by Britain's Imperial Tobacco Group Plc (IMT.L) last week sued the Food and Drug Administration for requiring more graphic health warnings on packages and in advertising.

Last year the Supreme Court ruled corporations had a free-speech right to spend freely to support or oppose federal candidates. In June it struck down a law barring use of prescription drug records for marketing and ruled it infringed on commercial free-speech rights of data-mining companies.

The issue of corporate free-speech rights has also emerged in New York, where U.S. credit rating agencies have argued their ratings were opinions protected by the U.S. Constitution's First Amendment safeguarding free speech.

TOBACCO CASE AN EXCEPTION?

"This is not at all a new trend," said University of California, Los Angeles law professor Eugene Volokh, who teaches free-speech law. He cited rulings on constitutionally protected corporate free-speech rights dating back some 60 years.

"These kinds of claims have been get your business listed made for decades and have been taken very seriously by courts and have often won in court," he said.

Still, courts may be reluctant to strike down as unconstitutional the new warnings mandated by a law adopted by Congress in 2009 and signed by President Barack Obama, especially in view of smoking's known health risks.

While other businesses have won free-speech claims, the tobacco case could be different because of long-standing government regulation of cigarette advertising, the approval by Congress of the new warnings and the government's interest in telling consumers about smoking's health dangers.



It could take months, if not years, before a federal judge and then an appeals court decide the case and it ends up at the Supreme Court.

"The courts, including the Supreme Court, are likely to uphold the new warning labels on tobacco products," said Erwin Chemerinsky, dean at the University of California, Irvine School of Law.

He said free online business listing sites last year's Supreme Court ruling protected corporate speech, but only in the specific context of campaign spending. "I would not generalize from this a protection in areas such as commercial speech," he said.

In the first change for 25 years, the nine new warnings cover the top half of the front and back of cigarette packs and 20 percent of printed advertisements. They must contain color graphics depicting the harmful health consequences of smoking, including bodies, diseased lungs and rotting teeth.

U.S. District Judge Richard Leon on Tuesday scheduled a September 21 hearing on the request by the cigarette companies for a preliminary injunction to delay the regulations from taking effect in September 2012.

CONSTITUTIONALLY PROTECTED

The companies said in seeking the injunction that the warnings "drown out their constitutionally protected speech about their lawful products and replace it with the government's emotionally charged anti-smoking message."

The Obama administration will defend the regulations in court, but has yet to respond to the substance of the lawsuit.

Supporters of the law requiring the new graphic labels, such as Matthew Myers, president of the Campaign for Tobacco Free Kids, said the warnings were mandated by a large bipartisan majority in Congress.



"The new warnings are carefully crafted to be consistent with the First Amendment, strongly supported by the science and serve the free business directory listing compelling goal of reducing the death and disease caused by tobacco use, which kills more than 400,000 Americans and costs the nation $96 billion in healthcare expenditures each year," he said.

A federal judge in Kentucky last year upheld much of the law that for the first time gave the Food and Drug Administration broad powers over cigarette and tobacco products.



The decision has been appealed to a U.S. appeals court based in Cincinnati, Ohio, which heard arguments last month, but has yet to rule. That case is expected to end up in the Supreme Court.

(Additional Reporting by Jeremy Pelofsky and Anna Yukhananov; Editing by Howard Goller)

1, 2, 3  Página siguiente