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10 Pioneering Steps For Boomers: Blazing A New Trail For Retirement

Wednesday, August 27, 2014

I am inspired by Abigail Trafford, author of My Time: Making the Most of the Bonus Decades After Fifty, who is leading boomers on a pioneering journey to leave a new legacy for future generations. By adding her insight to my experience as a retirement lifestyle strategies coach, I want to encourage you to be a trail blazer in your retirement years instead of simply resting on your laurels or retiring from an active, purposeful lifestyle.

Movers And Shakers Once Again

We are in the middle of a social revolution we might want to call the anti-aging movement. We are getting older visually but we bring much wisdom within our generation as we pave the way for this next life transition-retirement. We were fortunate: we grew up with the invention of the TV, fought for civil rights and equality for women in the work place, took pride in the Hippie movement, changed the music landscape with Rock and Roll, landed a man on the moon and accomplished much more. We had the courage to fight in the Vietnam War when it wasn't a popular war. Because there are so many postwar babies born, our numbers influenced a cultural power that created an incredible force in our society. We did not shy away from a cause, an injustice, a challenge or an indulgence.

As we move into middle age, we are now paving the way for a new retirement legacy. However, because we are so driven towards change yet may not know quite how to do this one, we may be struggling with our new identity. You could say that we are experiencing similar identity and intimacy issues that we transitioned through as teenagers-who am I? Who are my friends? What is my role in my family now? What career do I want to pursue?

Now that all of our tasks are completed-getting married, raising our children, climbing the career ladder-we meet ourselves on the other side of these transitions. Who am I without work, without a cause, without a purpose? Who do I want in my inner circle? How strong is my marriage? How have I nurtured my friendships? What do I want to do with the rest of my life, especially when there will be 20 to 30 more years of our lives than we had planned for? We are destined for some path, but what is that path?

Longevity = Loss, Liberation, Legacy, Love

As we move into our 50s and 60s, we are experiencing loss as we let go of a lot of responsibilities, freeing us up to create a life filled with dreams that have gone unfulfilled temporarily while we move through earlier life stages. Now we are liberated and free to explore a different kind of success mindset. How will this life stage that you are about to enter create the kind of legacy that you want for your children and your grandchildren? Relationships become much more important in our lives as we consider those that we love and care for. Marriages go through major stress points and change over the years. "Until death do us part" has extended to much longer periods of time than anyone ever anticipated. In some situations, that's a wonderful thing, and relationships thrive and get even better. In others, fragile relationships dissolve. Love and romance for people who become single in this phase of their lives is once again possible.

Pioneering Steps Towards A Successful Revolution

Ms. Trafford highlights 10 steps to consider as we all transition to this new life stage we are still trying to define. I hope these will start great discussions for you, your friends, and your family.

Change the language from retire to regenerate; the word senior to older adult; volunteering to legacy work. Each change in the language suggests more energy and vitality.

Get an attitude. Allow yourself more boldness and sense of urgency. For example: if not now, when will you go after what you really want to do? Show your children a new model so they can say they hope they will accomplish as much as their parents have.

Make sure you plan beyond the money. Having enough money to be comfortable and maintain a reasonable lifestyle is important, but make sure that you weave in purpose and meaning so that each day you have something to get up for.

Get educated! Our kids have had wonderful educational opportunities, and we should do the same for ourselves as we enter this life stage. Educate yourself by learning more about midlife transitions through community programs and online educational opportunities.

Redefine and reframe the workplace. We don't have to be wedded to a 40-hour week. Job sharing, part-time work, and extending one's work in order to mentor new generations coming on board are all ways that we can contribute our talents and skills.

Craft your legacy. Pass on life experiences, talents and interests, the business that you built, and the cause that you believe in along with the values that you have lived by.

Redefine the family. There are long-term marriages with and without children; divorces and remarriages that expand the family by including more relatives; those single and married creating families of choice; villages of intergenerational members who are caring for each other as they all age from birth to death. Intergenerational relationships make for a great contribution to our legacy.

Guard your health and spirit. Be aware of ageism. Don't let that stop you from doing what you really want to do. Take care of your body, because it is the only one that you have. Nurture it, move it and get the medical check-ups and treatment your body requires.

Love well. Giving and receiving love is vital to a fulfilling life. People are meant to be in connection with others. It's important to have 8 to 10 people in your life that you can't imagine your life without. If your support system falls below three people, you are at more risk of poor health, emotional isolation and depression.

Put longevity into the political arena! We need a longevity agenda. Change is occurring all around us. Because we are living longer, there are now well over 80 million people between the ages of 50 and 80 in our nation. These numbers will drive change culturally, politically, scientifically and economically.

Let these steps shed more light on your midlife transition to rewiring, regenerating and reinventing your life in order to leave a lasting legacy. Be a pioneer and blaze a new trail for your retirement years, and go and make the best of your life for the rest of your life.

Venturing Further into Malaga and the Costa del Sol this Summer

Saturday, August 23, 2014

The Costa del Sol is perhaps the most traditional summer holiday destination for UK holiday makers and this summer, like many gone before, will see an influx of Brits and holiday makers throughout Europe descend on the Andalucian city in droves. The merits of Malaga and the surrounding region are well known but the area is often shunned by the more discerning traveller with pronounced stereotypes of sun, sand and sangria. But what, then does this region of southern Spain have to offer by way of cultural attractions for those who want more than a dose of sunshine?

Malaga is the main entry point for any traveller visiting the Costa del Sol and is the main coastal city of Andalucia. Relatively untouched by tourism itself, Malaga administers the plane loads of passengers passing through to the traditional resorts of Torremilinos, Fuengirola and Puerto Banus. But Malaga offers more than simply a passenger terminus and the more independently spirited traveller will be presented with a vibrant city with a strong historical legacy and easily identifiable Moorish influence. As the home of Picasso, art features prominently amongst the cultural points of note and the local tourist information site details sites of interest.

Out with Malaga itself, the Andalucian nature of the region is evident for all to see. This most Spanish of regions retains a strong Moorish influence throughout most notable and easily recognised within the architecture of the area. Travelling throughout the region is easy and independent travellers will find car hire abundant with most of the large car hire companies having car hire firms in Malaga making travel in the surrounding regions relatively simple.

Heading east out of the Costa del Sol the cliff lines coastal roads where the Sierra Almijara meet the sea offer stunning landscapes and a unique driving experience. Further east and into Granada and the magnificent city that gives the region its' name is a must on a self drive tour of southern Spain. Although relatively unspoilt by tourist activity Granada is dominated by the impressive Alhambra, and offers meandering, narrow streets - a further legacy of the regions Moorish influence.

For a more cosmopolitan experience, the capital city of Andalucia, Seville, lies to the north. Although the drive from Malaga is not particularly rewarding, Spain's fourth largest city offers the grandeur expected of a major European city. The city is characterised again by Moorish architecture, but is dominated by one of the largest cathedrals in Europe and the impressive Mudejar Palace of Alcazar.

Malaga may be more renowned for its' airport than anything else but the city really does offer an insight into Southern Spain and Andalucia and just might prove worthy of some interest beyong the package tourists.

Gainsborough Paintings

Tuesday, August 19, 2014

Thomas Gainsborough is a famous British landscape painter from the 18th century. Gainsborough's most famous painting was Blue Boy, which many still love to buy as print reproductions and stretched canvases. This article covers some of his best paintings as well as examining the life of artist Gainsborough. Suffolk-born Gainsborough has gone on to become of of Britain's best loved artists and is revered alongside the likes of JMW Turner and Constable. His works remain in the Tate Britain, London in good numbers which is an sign of his great legacy to the British contemporary artists of today.

Gainsborough have a unique tendency for the time of painting from his observations and emotions than from traditional artistic teachings. This gave his paintings a special feel and character. Constable was certainly a fan of Gainsborough's work and shared his love of landscape painting. Blue Boy is an example of how he would include portraits of high ranking individuals, with great sprawling landscapes behind them, which was unusual at that time.

Alongside fellow British artist Richard Wilson, Gainsborough was one of the first members of the eighteenth-century British landscape school, although he still pursued portrait art as well, achieving great success on this area too, alongside the likes of Joshua Reynolds. The two artists had been rivals at times during their careers, with Reynolds and Gainsborough vying for the position of favoured royal artist during the times of King George III and later. Royal Academy president Reynolds struggled to match Gainsborough's popularity within this elite community.

Famous paintings by Gainsborough included Blue Boy, Landscape in Suffolk, Self-Portrait, Two Daughters with a Cat, Sunset, The Artist`s Daughters, Molly and Peggy, The Harvest Wagon, Portrait of Mrs. Graham; Mary and Margaret: The Painter's Daughters, William Hallett and His Wife Elizabeth, The Morning Walk and Cottage Girl with Dog and Pitcher.

In closing, there is no doubt of the effect of Gainsbrough paintings on British and international art in the 18th century and since, and his work is worth study in the key art galleries of London and nationwide.

Insurance, Professional Liability, and Malpractice Lawsuits

Sunday, August 17, 2014

Medical malpractice is not a present generation invention. However, malpractice insurance, professional liability, and defensive medicine have found more relevance today as the medical profession sees continuing rise in malpractice cases filed against doctors. Whether these are merely media hype that blew isolated cases of flops under a cosmetic surgeon's knife out of proportion, or are indicators of a decline in the profession's conduct, malpractice insurance in the United States has lately become a federal issue.

Now, almost every doctor practicing in every US state carries malpractice insurance. Professional liability insurance provides doctors protection against financial losses when patients who might have been dissatisfied with their healthcare bring legal action against their doctors. In the medical profession, malpractice occurs when a doctor is said to have been negligent. What does that mean?

Negligence happens when a healthcare professional fails to do something any other professional of their qualification would have done under the same circumstances. Misdiagnosing a medical condition or being unable to diagnose a medical condition is malpractice. Not providing appropriate medical treatment or the undue delay of treatment for an already diagnosed illness is malpractice.

Professional code of ethics and total patient care have been around for centuries. Malpractice insurance, professional liability issues, and treatment protocols of medical institutions have gained front-page media attention in recent years because of frivolous lawsuits filed by sue-happy individuals. While not every malpractice lawsuit is illegitimate, doctors still need protect themselves - and their pockets - from those that are.

If you are in the healthcare profession, protecting yourself from this particular risk can save you from financial trouble. If you don't already carry one, start shopping for providers of this type of insurance now. When the actual malpractice lawsuit comes, you'll be faced with a significant stressor. Wouldn't it be one less burden on you if you don't have to worry about going bankrupt on top of losing your license?

Australia's Cities of Regional Importance

Saturday, August 16, 2014

Orange, New South Wales

Come here to rest and enjoy in orange life in harmony with nature. Orange is located at the foot of an extinct volcano, just four hours drive from Sydney. Equip the wineries in temperate locations and the excellent restaurants a visit. Try out during Orange FOOD Week in April or at the wine festival in October selected food and wine. Stroll through the Botanical Gardens or along the Orange City Heritage Trail, the cultural path of the city, or enjoy the Mt Canobolas, an ancient volcano summit, the view of the city.

Alice Springs Area, Northern Territory

Today Alice is a rollicking, modern city with a turbulent history of pioneering, adventurous landscape and rich Aboriginal art. She is also the main gateway to the famous outback attractions such as Uluru-Kata Tjuta, Kings Canyon, Simpson Desert and the East and West MacDonnell Ranges.

Bundaberg, Queensland

A colony of nesting turtles is just one of the natural attractions near Bundaberg, which is about four hours drive north of Brisbane. This historical city is also the sugarcane southern gateway to the Great Barrier Reef and is fringed by coral reefs, and 140 km of white sandy beaches. Dive or snorkel in front of the Lady Elliot and Lady Musgrave Iceland Iceland, refresh yourself with a swim in the sea and fish in the national parks on the coast. Bundaberg but has yet to offer many other attractions such as museums, listed buildings and lush botanical gardens.

Cairns Area, Queensland

The nearby rivers are ideal for white water rafting. Take a scenic train ride to the idyllic, populated by numerous butterflies Kuranda village. Or dive into the primeval forest of the Daintree Rainforest. This busy international city offers its visitors excellent restaurants, shops and inns. It is also a great base for exploring the islands of the rain forest and the reefs in Queensland's tropical north.

Around Gold Coast, Queensland

Indulge yourself in the waves off Broadbeach, snorkel through a shipwreck off Main Beach or walk to Surfers Paradise. above the golden sand fringed by skyscrapers Experience in a virtual reality attraction at Dreamworld a special thrill, you can swim with dolphins at Sea World and see how movies in the Warner Bros. Movie World. In the lush hinterland of the Gold Coast offers waterfalls, rainforest, stunning views and walking through a picturesque landscape.

Launceston, Devonport and Burnie, Tasmania

Let the great charm of small towns in Tasmania - Launceston, Devonport and Burnie - enchanted. The manageable and picturesque cities of Tasmania, as Launceston, Devonport and Burnie have a lot to offer travelers. Discover restaurants, galleries, parklands and historic streets, you learn to know the friendly locals and explore the attractions in the area. Launceston in northern Tasmania lie, home to a thriving cultural scene, and the wilderness of Cataract Gorge.

Bendigo, Victoria

Discover the history, culture and colonial architecture of the gold rush in Victoria's former Boomtown. Although there may be no more gold is found, then the good times in elegant, historic stay Bendigo, the geographical center of Victoria, yet receive. The grand, magnificent building, the Chinese heritage and vibrant museums are a visible legacy of the gold rush.

Albany, Western Australia

Albany is located on the rocky south coast of Western Australia from about 4.5 hours drive from Perth. In this city you can escape the hustle and bustle of everyday life for a while. It is surrounded by green lakes, tall forests and national parks, from fishing to diving to hiking and whale watching to attract many nature adventures. There is also a very historical place where you can immerse yourself in the many fascinating stories about the traditional owners of the land, the later convicts, sailors and whalers.

Broome and the surrounding area, Western Australia

Soak up in Chinatown and the multilingual road signs and the melting pot of nationalities up. Discover the romantic and turbulent history of the city in their museums. See the dinosaur footprints, which are preserved in the rock and take a camel ride at sunset on beautiful Cable Beach.

Kalgoorlie, Western Australia

Explore the gold fields and ghost towns, history and the great adventure in the heart of the Wild West of Western Australia. If you like old westerns, you will be in Kalgoorlie, the oldest gold field town of Western Australia, feel in your element. Their historic buildings and lively pubs are the legacy of more than a hundred years, gold rush history.

Debt Settlement Programs: Four Steps Every Applicant Must Consider

Thursday, August 14, 2014

It might seem that a debt settlement program is the solution that can save your financial future. Technically this is true, but it is essential to choose the right program if any real benefits are to be enjoyed. The problem is that pressures from creditors can rush us into choosing the wrong program from unscrupulous lenders.

The setup of the financial services sector is anything but clear-cut, and the largest firms and institutions actually own many of the smaller services. This means the debt to a single bank (like Citibank, for example) can be much greater than thought.

And while choosing debt relief is the wise decision, it is important to keep in mind the difficulties in securing good terms when the debt to a creditor is very high. Still, there are many debt settlement options available online.

The Debt Network

It is important to realize just how interconnected so many of your branded credit and debit cards, and utilities are. Many are simply branches of the same bank or financial institution. This means that debt owed to a bank may be vastly larger than first thought, making it difficult to get good terms on your debt settlement program.

Not everyone knows that three of the biggest banks in the US are also involved in many of the largest utilities companies. For example, Citibank owns AT&T Universal, Sears and most of the gas cards on offer (Chevron, Exxon etc). Discovery, meanwhile, owns Lowes & Sams cards, and the FIA cards are owned by Bank of America.

What this all means is that when it comes to choosing debt relief options, it is important to realize that more than a single credit card debt is part of the packet. The card provider will add on everything, making it possible for the debt settlement deal to be rejected by the lender.

Avoiding the Online Trap

Financial services provided over the Internet need to be carefully considered before committing to anything. There are, unfortunately, many unscrupulous lenders and financial service providers who are willing to take advantage of consumers, and excellent debt settlement programs can turn out to be traps.

But there are steps that can be taken to ensure such traps are avoided. They are:.

1. Only Trust Lenders Who Ask For Statements

There is a tendency for unscrupulous lenders to talk up their fantastic offers in an effort to get what they need as quickly as possible. Often, they do not even look for bank statements or confirmation of financial status. But the right debt settlement plan depends on your specific situation. So, avoid those that do not seek relevant documentation.

2. Experience Is Essential

It is generally not a good idea to choose a debt settlement program from a lending firm that has been in businesses of less than 5 years. Experience is essential in this sector, so the last firm needed to manage your finances is a start-up company. Settle for a firm that is at least 5 years old.

3. Always Check Lenders Out

It is completely foolish to trust any online lender on face value. Always take the time to check on their credentials, and feel completely comfortable before choosing a debt relief program. So, check out their BBB Reliability Report and know whether consumers have been complaining about a prospective lender.

4. Seek Out A Licensed Attorney Based Firm

Attornies are governed by the BAR Association, not the FTC. The advantage is the consistency of the BAR Association, whereas the FTC regulation changes can play havoc with schedules and plans. Also, the BAR Association insists on extremely high standards so debt settlement companies can be relied upon.

The Tale of the Jumping Serpents of Bosnia (Revised and Reedited 7/2008)

Tuesday, August 12, 2014


Along the coast of the Adriatic Sea lives what now is called the "poskok,' better known as the 'Jumping Serpent'. These creatures are some five-feet long and to my understanding can jump some three feet in the air and leap some five-feet in any direction they wish, simply by aiming at whatever, wherever. But this didn't happen by chance, this really and truly happened by necessity. And this is the tale you are about to hear, the 'why,' of it, how it came about. And to be quite honest, you will be the first to hear of it.

The poskok has a macabre-hissing tone to its dynamic language, a hissing that bellows out fear, and out of fear and inborn aggressiveness, its impulses create a neurological reaction that makes it leap and jump. Again, the why of this will come out in the tale! But it is always prudent to know the background of things, and so I am equipped to share it with you. In addition to its poisonous bite, it has quite the temper, and at times it can look no different than a log or branch by a tree, or alongside a lane or road, or within a dense forest laying next to rocks and decaying wood. And let us add to its natural abode in this narrative background: it prefers-if given a choice, the natural background of trunks of trees-to live amongst.

Of Olden Times
(Advance to the story)

It was during a time when noble monarchs ruled Bosnia (and the lands surrounding, know as: Herzegovina, Croatia and Serbia)-during what was known as Medieval Bosnia (958-1463) this story takes place; a time when cold snowy winters plagued this mountainous land with bluish-purple, violent crosswinds coming from the Adriatic by way of the Mediterranean Sea, when the lands had hellish terrain for its people to crossover, such as the Dinaric Alps, and the beautiful Drina River, which flows endlessly through villages and towns, in Eastern Bosnia, surrounded by hills and mountains, and the Neretva River, which flows in the south into the Adriatic: here the Dinarides provide shelter to the old ruins of fortresses that dot this mountainous landscape, at this point is where our story begins, and ends.

Some folks have said, the old Man, Mr. Goose, came down from Mount Zlatibor, after visiting a village area known as Sirogojno, perhaps he was doing business in that area before he came to King Mon's Kingdom, no one knows for sure, but here he was a stranger surrounded by the Dinaric Alps, and the woodlands in Eastern Bosnia, where he traveled, which was heavily forested along the river Drina; on this journey, we know he passed through Gorazed (a kind of trading settlement), the folks of that village saw him, said he seemed shackled on some idea, paid them little attention, "Keep away from us," the country folks yelped outside of the town, others asked, "What you aiming to do around here?" it was as if this old ugly man knew something they didn't know. They say, blackbirds followed him, stretched out their wings, and swung, stooped and shuttered as he walked by, swaggering in the Bosnian sun. Then he ended up all the way down to the Adriatic Sea to the south, to the old city of Dubrovnik (7th Century), in-between all this was a kingdom which ruled by the old Feudalism system, known as King Mon's realm. It would seem the old man was surveying, checking the lands from the mountains to the rivers all the way to the Sea, to see the scope of his task, a task he had yet to commit himself to, but one he was seriously thinking about.

And now come and join me for my tale of tales, and think naught that there isn't a feather of truth in this tale, for it would be ill-advised to think otherwise...:

The Tale...

Once upon a time, several hundred years ago, or thereabouts, there were a multitude of snakes along the coast of the Adriatic Sea, and within the mountainous area thereof, in a land now called Bosnia. They grew the length of the men of those far-off days, in that far-off land. These snakes ((Poskok) (Vipera ammodytes)) were a reddish-brown in color and for the most part, quite clever; that is to say, a brainy kind of breed of a snake, with sharp fangs, which were quite poisonous; these snakes also being rather aggressive for the most part.

Along with living in the trunks of trees, in lack of a better home, and accommodations, and liking the sun, these snakes slept on the side of the roads to a high extent, where often times they chummed with one another-(figuratively speaking that is); looking like dried up old branches, logs and so forth- especially in the fall season (autumn)-laying over one another like little lions. But as winter came around, back into the trunks and holes of trees they'd find themselves. And when they'd see a passerby, especially during the long hot summers, they'd play possum [dead], and when a female-in particular, would be carrying water to the nearby village or to her country residence, and if they'd walk by them, they'd twist their bodies slowly and positioning themselves just right-after that, quicker than you could say 'help' they'd have their fangs, in one's leg. And the water being fresh would feed, and quench, their thirst. It should be noted, because of their aggressive temperament, even on the best of days-the best of their days, it would be hard for them not to do their dirty deeds; they seemed to be simply born with an aggressive nature (character or personality).

-Well, this went on for the longest of times-or so it seemed, and one day, during one sunlight hour, after hearing-year after year people's complaints and protests, the King, King Mon of the region announced that whoever could rid the region of these nasty and evil serpents, he'd reward them by allowing them to marry his beautiful and youthful daughter. Ah yes, it was indeed a luring reward, and all within the kingdom's province, wished they had such courage, if not skill, or perhaps even a spell to subdue these creatures with-to do this task, to receive this reward. But none came forward.

Fine, all is fare in love and war, so they say, thus, Mr. Goose, an old man from Croatia, whom I've introduced you to a while ago [eighty-two years old at this time in the story], went to the little mountainous kingdom and spoke with King Mon about his reward to be, should he clear the land of these creepy-crawling type creatures that infested every nook, tree and, oh well, let's just say, the whole landscape, would he be allowed to take-without question, his daughter, the princess in marriage?

Said the King, with a skeptical eye,

"It would take an army I fear to wipe these hills and mountains and the coastline of these aggressive, antagonistic evil doers that have taken, killed, eaten, over a thousand-lives, a thousand lives I say, from my kingdom, my kingdom's past of which it has been some forty-years, to now; yes, yes without a doubt, how can one man expect to do this, it is beyond me? (Plus the old king didn't like his integrity being put in question, which the old man implied might be less than what he proclaimed."

In a way, it would seem the king was giving up, had a loss of hope, despair, but he nonetheless, kept the reward posted throughout his kingdom, and assured his word was as good as gold, he was a king, but also a man of honor, what he said he meant, did, without question; he had integrity, and he implied he, along with his integrity should not be questioned on this matter to Mr. Goose.

Said the old man (to the king), an old man who had an odd looking hunchback and legs that looked more animalistic than human with mammalian hairs sticking out all over the place, meaning, in all the openings of his pants, where threads were loose and dangling, likewise his shirt, which had holes in it, and on his face and arms; also inside his ears looked like a bird's nest with all its hair, and his nose had hair sticking out of it, like thin short spaghetti; in addition, he had a wide mouth, that went almost from one ear to the other; a long pointed skull (tapering towards the back), and that is to say, a very long slant it had to it, with a brow that receded back to his prickly looking hair; and quite thin it was also, and a smirk on his face, that showed he had secrets, secrets beyond our imagination perhaps, and a thin, slim, small mustache, which blended into the rest of his hairy face, and a thin bone structure, big eyes and feet, everything patchy and hairy; his fingers and toes, they were as if claws from a hawk. He also had small ears and short legs for his torso, which was longer; in a way, everything above his shoulders looked similar to a goat almost, in human form. Plus his skin was thick like rawhide, he said (Ah! but said it keenly and sharply to the King :)

"I will take your daughter for my reward, as you promised afterward, should I accomplish the mission of course, but if you want to know how I shall do this feat, it will cost you your kingdom."

His receptors protected him from the toxic venoms of the snakes, embodied into his nervous system. Also, it should be added here, his agility and cunning, allowed him to capture snakes with little effort, and he was in his own way, witty and intelligent.

[How insolent thought the king] With a stiff upper lip, and eyebrow reaching into the air, the short and old stubby king, with his curly locks of golden hair dangling over his ears, and long golden beard, stood up in front of the beggar type looking man, who had a deep-set of eyes, big, yes big and confident eyes, that had a small and thin bridge separating them from what was called his nose but looked more like a reptilian type snout with simply two air holes-poked into his upper face, with only a small arch and slits to inhale though.

Said he, the King, said he with scorn on his cheekbones, stiff bones, perturbing bones-even through his fat:

"So be it, you will have my daughter, not my kingdom, should you achieve this task, this mission, and should you not, I advise you, you old coot, to be gone from these hills-far gone, for I will surely have you stripped and beaten to your last gulp of air, should you not accomplish this, simply for your absurd audacity to think so highly of yourself in front of me, and question my intention if not integrity."

Ah yes, the king was feeling his oats indeed, sharp was his words, and weighty was his heart.

-There was no more to be said, the old man now had turned around and with his shifty looking dark eyes, ebony-eyes that resembled a rat's intensity, he walked out and through the door, as strangely as he had walked in, almost silently, not looking any which way but straight.

Upon the door opening up, and the king still sitting at his grand throne, two soldiers came in with a huge eight-foot (poskok) snake to show the king their good deed, their catch of the day. They had its mouth tied shut with a rope, and carried it on a long heavy rounded polo. It must have weighed two-hundred pounds or more. As the two soldiers walked past the old man, the king started to stand up to get a good look at the snake, a closer look, a more deliberate kind of look-in the process, the serpent got a look at the old man's eyes-it was the hiss from his mouth (the old man's mouth), yes the mouth most certainly, like thunder erupting it was, or possibly like the sound from a volcano, the snake started hissing back, and struggling wildly, its back, head, mouth and through the whole length of the snake, all stiffened-a firm kind of restlessness engulfed the serpent; the closer the old man got to the snake, the more it hissed, stiffened and jumped as if out of some kind of uncontrollable neurological reaction-involuntary reaction.

As the old man now walked next to the snake, almost eye to eye, and shoulder to shoulder, although the snake did not have shoulders, but it did have sides, it, the poskok, seemed as if it was about to fly off that pole out of pure fright, right out of the two soldier's mitts, trying to get free, trying to escape the old man's presence. Matter of fact, the viper was so frantic, frenzied, and hysterical, that the snake even started to eat the rope it was bound and tied securely with.

When the soldiers witnessed this, they dropped the pole, along with the bound snake onto the marble floor within the King's throne room, as the King looked on, on towards the snake and the old man with one glance, a glance he had given the snake, and just one little glance towards the old man, he, the King noticed the fleeting look from the old man had frightened the snake, it was him indeed, thought the king, hence, he knew this man was extraordinary, and although he wanted to, he hesitated in mind and soul to stop this potential marriage right then and now, but he had no other recourses left, the old man was it-who else was there, should he not make the deal, in consequence, there'd be no kingdom to rule in time. And the princess need only wait, time would do the old man in, and she'd be free to remarry again.

As soon as the old man was out of the throne room, out beyond its door: out of sight, the snake regained its weakened composure back to its former self-controlled, pose-it had prior to seeing this old and deformed gentleman of sorts; tranquility, or call it peace, whatever, calm was restored.

For that reason, and beyond, that is, for five-years to follow, the deal was sealed; and now the old man would walk slowly up and down the paths, lanes, roads of the valley and mountains kingdom-to and fro daily; looking in every tree trunk and nook, walking the coast of the Adriatic, and combing miles and miles of forest land, areas within the vicinity of the King's domain, wiping out all the snakes that he could find: he ate them, like an animal eating flesh, ripped them apart like a rat to a hen. It had come to a point, as it was said, that the area had over 10,000 snakes at one time, at this juncture, that number was being dwindled down quickly, so far down, there was only ten snakes in the whole area left.

Yes, oh yes, indeed, there were only ten snakes left, almost poskok-genocide had taken place in and around this little kingdom, and these ten got together, and by way of necessity (inevitable one might say), started learning how to jump, and leap. They'd gathered by the waters, the lakes, the rivers, wherever they could and watched the frogs as they moved about, leaped, hurled, dived, then even watched the toads jump, lunge, and drop, all and any creature that skipped, hoped or jumped, they examined, watched closely, then by instinct, and need for continued existence, within a years time had learned how to leap some three feet in the air, and some five to seven feet in any direction-straight forward that is. As a result it was their way of escape from this snake-eating human animal of sorts: the old man.

Along with this new acquired skill, and with the new younger generation being born, the elders tried to explain to them the value of learning, the jumps, and leaps, and the sounds they make in the fall leaves, and when spring came they got excited to play, but they learned as long as the old man was alive, it was not safe, no matter what. And even in the winter they needed to be shrewd and conscientious where they went, the reason being, they'd leave a trail in the snow, they were told, and this was not wise, the old man would follow it. In essence, they needed to be shrewder than the old man, if they wanted to survive.

The elder snakes even reinforced the fact the new younger snakes needed to be wicked to the point not to let neither their minds or bodies decay in the winter, so they were swift in spring and summer, and light on their bellies; by and by, they absorbed all such learning's.

-Four years had now gone by, and the old man was at this time eighty-six years old. His heart was tired, failing, and he wanted more than anything to leave a legacy behind-, but had one more year to keep the land free of these evil serpents, should he fail, he'd lose the beautiful bright-eyed young princess: and in his mind, this could not be tolerated, as the old expression goes, he'd lose 'the goat and the rope,' so careful he needed to be, astute, perceptive he needed to be, but this time with the king more so than the snakes.

At this, the old man found those ten snakes, all in different locations (not knowing of course they had offspring hidden away): some in trees, others alongside of the road playing dead, and others by the great waters of the sea, he'd go to grab them, and before he could touch them, they'd jump, leap right through his hands, right out of his fingers. Because of this, you could see on the old man's, a flavor of worried triumph.

Several leaps and the serpents were gone, out of sight. Well, this bothered the old man to extremes, but he knew if he kept the snakes hidden, and busy, he'd still get his reward, or could if he was deceptive enough, a little bit perhaps misleading. And consequently, play, as if nothing had happened-he'd continue to take part in this-what he called- competition, or diversion, and the king would be none the wiser; the end result, being, the old man kept walking the mountain paths-as all the villagers saw him do, day after day after day-and word got back to the king all the roads were clean and clear of snakes.

Yet, in checking out the trees, and road sides, he occasionally found a snake or two, but it again would leap out of his presence to safety (and again I say, no one had seen snakes for a long time now, no one that is but the old man, so the king was not any the wiser to his charade). And slowly but surely the old man saw the number of snakes started to increase, but they were simply baby snakes, and the mothers kept them hidden from him for the most part, and he wanted to keep it that way, until after he received his reward that is; for he knew himself, his reflexes were not as they were a few years ago, and each year lacking more and more in the impulse reaction area; anyhow, slow they were, and with the leaping, it was impossible to catch them now; yet again, I must stress, in fear they'd become extinct all over again, they hid when they could, and jumped when they had to, or leaped to safety or some hidden area, should they become aware the old man was around.

And so again, I repeat, no one had seen them, and the snakes knew the old man was aging, and would not live forever, in consequence, if only they could out last him, out wait him-in many cases this is the only way to deal with such a menace as the old man, so the snakes concluded, and so they would out wait him. And in between now and his death, they hissed with laughter on finding a way to out smart the Old man. But as the old saying goes and the snakes did not know this saying, 'He who laughs last, laughs longest.'

And now, the fifth-year had come and passed, the old man, had completed his task, his mission-and so, the old man went to the king to claim his reward. There in the throne room, he, Mr. Goose, stood in front of the king, telling him of his endeavors.

For the first time the princess burned with curiosity, eager to hear what the old man had to say. She leaned forward so she could see through a crack in the curtains in the throne room. At first her thoughts were thin at best, then thinking he could have accomplished the mission, she listened even closer, more attentive, her eyes closed upon hearing he did, and as the old man stared at the moving curtains, he mumbled:

"And for the love making, let's hurry on with the wedding."

He, Mr. Goose, was by no means, couth about the matter, rather quite blunt.

The King looking quite dreadful at his parting of his daughter gave her to the old man nonetheless- called her over from behind the curtains to meet Mr. Goose, with not much to say, and thereafter, brought forth a great celebration.

The lovely twenty-year old princess was adorned with all kinds of flowers, and jewels and riches beyond imagination. And the party went on and on all night.

Surprisingly, during this time the king noticed that he, the old man had only eyes for the princess, his daughter, not the riches she possessed. Somehow that seemed to dignify the whole matter much more, in an ugly kind of way, that is. As the bride danced with the groom, all the young bucks looked on with disgust and envy, perhaps a little more envy than disgust. The princess although in dismay, said nothing, not a word to disgrace her father's will, like a good daughter, she kissed her husband and bid good evening to the guests, as they went into their room to consummate the marriage.

It was early evening and the moon that had been hidden behind clouds, emerged with a warm wind blowing through the castle bedroom window, and the old man now was about to seek his pleasures. There was the sound of music in the bedroom, blown under the bedroom doorway; it gently branched out, throughout the room-black shadows, raced to and fro, from corner to corner in the bedroom.

Heretofore, the love-making had tired the old man to where he was dosing off and on, starting to even snore, his arms underneath the back of his head, lying on his back, eyes closed, save, a little look at his new youthful, and beautiful bride, and wife, off and on, and more off than on as the night went on.

As the extraordinary evening went forward, the old man fell to sleep, and in the morn, the princess tried to wake her new husband up for breakfast, only to find him, lifeless, dead, deceased. She was mortified, and yet relieved, she called quickly to her father, and he called for doctor and the guards. Word had gotten out quickly that the princess' husband had heart-failure, and she would be in mourning. But the serpents in the area were refreshed by the news, and came out bravely, back onto the pathways, and around the trees and coastal areas with their young ones, almost as if to have a fiesta.

The king now seeing this new resurrection of the snakes didn't know what to do, but it was not half as bad as it was five-years past, and figured he'd look for another man of same qualities, and tried to find the Goose family to no avail. Then, finding out his daughter was pregnant, he got thinking, possibly, just probably, whatever the qualities the old man had inside his genes, they might be in his blood line, thus, in his grandson to be [hoping it would be a boy].

"Awe," he said with glowing and ghastly eyes, "sure," he said to his daughter, "should she give birth to a son, he will be the tempest for the snakes." (The king thinking, 'all is fair in love and war.')

And so the king and his kingdom all waited for the birth of the child.

-And then it happened, the ninth-month, third day, in the early morn, the sun had just risen: all waited outside the doorway to hear the baby's cry, but there was no cry, yet a baby was born; with a loud hiss!

As the doctor looked at the child, he was flabbergasted; the child was horrifying to look at; hence, in all regards, in all the days of the doctor's life, he had never seen such a hideous looking child; deformed, long thin hanging nose, bug-eyed creature; he was simply stunned at its appearance he just shook his head, nodded his chin back and forth as if to grab onto some sanity: it looked like a ferret, yet it had human form to it. It seemed the lobes of the child's brain extended outward, that is to say, pushed the skull like rubber to form an impression on the surface of his head, which had no hair. His eyes took up, one third of his face.

At this point, the doctor remembered what the old man had looked like: comparing child to father-or perhaps using some imagination, comparing child to when the father was a child or might had been a child, or perhaps what he didn't see of the father he imagined, and as a result, made his own comparisons; and now thinking of the king, he pondered on what to do, for the king and the kingdom.

He didn't show the child to anyone, not a soul (although he told the king), and ordered all to stay away, that it had the plague; and needed to get the child out of the castle before an epidemic occurred; the king concurring, like-minded with everything he said. And during the late night took the child out of the kingdom, telling all concerned, the child could be contagious (which it did not have of course any such disease), should it touch anyone, it would only kill them only to look at it-figuratively speaking again. But who could understand such ugliness, and perhaps the princess would have wanted to keep it. And so the doctor left the castle.

Soft were the dark shadows as he walked down the lane, into the forest, into the tall grass, stealthily past barns and houses, farms, and roads.

He, the doctor who cared now for the child, called the child 'Mon-goose', taking the king's name and the father's. And left it in the woods-neither one, ever to return to the castle; hence, the Mongoose was named and born.

In time the old snakes had died out, all but one, and the young snakes had now forgotten those trying years with the snake eater, the grim sights of him searching and stalking their parents. All this had been forgotten, until one day, one of the snakes, that elder snake, I just mentioned, perhaps the only one left of the bygone generation that lived through those trying days of Mr. Goose, saw a man, he looked like the old man Mr. Goose, as he resembled him, but he was much youthful, and the old snake said out loud (and other snakes nearby heard him, while stiffening his body in horror),

"The snake eater is back!" or so he said, and all the other snakes wondered, questioned him, if he really saw what he thought he saw, and the old snake just prayed it was an illusion. And said not another word, if anything, he was hoping it was an automatic reaction, perhaps to post traumatic stress.

End of the Tale.

Professional Liability Insurance - Protect Yourself

Even the most dedicated professional can become the target of an unsatisfied client or patient. Professional liability insurance is necessary to protect your business or practice from the litigious pitfalls that you may encounter in your business.

Medical malpractice insurance is professional liability insurance for medical professionals. In past decades the need - and cost - of medical malpractice insurance has made it an integral part of costing out a successful practice. Med mal awards have made even practicing medicine difficult for small practitioners. It is imperative to have a carrier who will rigorously defend your business in all claims, in an effort to ensure that your practice may continue to thrive.

Most other professionals, such as contractors, internet freelance designers, brokers and the like, carry insurance known as Errors & Omissions insurance. E&O operates the same as medical malpractice, insuring your business against claims that may arise from the day-to-day performance of the job. Since many of the industries covered by E&O insurance may incur claims without triggering coverage by general liability insurance for bodily harm or physical damages, it is necessary to carry adequate professional liability insurance to help protect your business. Claims of negligence, breach of contract or violation of good-faith practices could result in substantial losses for clients, who often try to recoup those losses through claims against contracted service providers. This is where the professional liability insurance carrier becomes involved to help defend against such claims, and to bear the brunt of the expense for damages.

Since the provider only covers to the maximum benefit of each policy, it is important to thoroughly research the history of claims and awards in your industry. Like any shrewd business decision, selecting a carrier and policy limits for you professional liability insurance carrier should not be a choice made in a vacuum. Much of the research for the decision can be made on-line at a time that is convenient for you. Once you have determined the parameters for your coverage, you can begin to evaluate which insurance carrier works best with your business model and field.

Selecting professional liability insurance is one of the most important aspects of any successful business. No matter how well you think you have prepared for the future of your business, there is no way to be certain what lies ahead. It is crucial to protect your business, your livelihood and your investment with insurance designed to fight for you in these inopportune situations. Focus on growing your business, and allow your carrier to protect your time and investment.

How Getting Debt Consolidation Loans With Bad Credit Can Solve Money Woes

Friday, August 8, 2014

When there are a lot of debts to pay, and not enough money coming in, the pressure to clear debts can become extreme. Bad credit can make it difficult to secure funds to alleviate the problem, but it is possible to secure a debt consolidation loan with bad credit. This means there is always an option for bad credit borrowers to turn to.

Generally speaking, securing large loan approval is pretty difficult when bad credit scores are involved, but consolidation is one loan type all of its own. The specific purpose is to ensure an improved financial position, and that is why lenders are more open to approving them.

But what is needed to secure a debt consolidation loan, and in what way can the loan be of any real benefit? Perhaps even more significant is how to find the right lender willing to provide such a loan with affordable terms.

Why Consolidation Is A Solution

It is easy to understand why some bad credit borrowers hesitate to seek another large loan when they already have a lot of debt on their plate. But it is worth repeating that consolidation is about improving the financial situation, not worsening it. With this in mind, getting a debt consolidation loan with bad credit is arguably the best move to make.

Such loans work because the funds are used to buy out the remaining balances on all existing debts and loans. For example, if there are 4 outstanding debts, of $2,000, $3,000, $5,000 and $7,000, then a consolidation loan of $17,000 can be used to pay them off in one go. Getting large loan approval might be difficult but for such a proactive purpose, it is easier.

However, the tactic only works when the terms of the debt consolidation loan are such that the monthly repayments are lower than the combined repayments of the original debts. This means that cash can be freed up for other purposes, as the pressure is lessened.

Sources Of Consolidation Loans

When it comes to seeking a debt consolidation loan with bad credit, there are two sources to apply to. The first is an ordinary lender, while the second is a debt consolidation company. However, the kind of terms secured from these lenders can be very different.

An ordinary lender basically offers a normal loan but granting large loan approval is dependent on the funds being used to clear debts. The interest rates can be competitive, especially if secured from an online lender, and the repayment terms can be anything from 5 years to 30, depending on the size of the loan taken out.

Getting a debt consolidation loan from a company has its advantages, with the company essentially buying out the debts on your behalf and then seeking to be reimbursed over a given period. Approval is more likely, but the interest charged is usually higher and there are extra charges.

Choosing Your Lender

Of course, as with everything else, it is important to know who the lender is before agreeing to sign any loan agreement. When getting a debt consolidation loan with bad credit, it is important to watch out for extra or hidden charges, so that the true extent of the costs can be ascertained.

But, there are also risks relating to the trustworthiness of the lender. There are plenty of unscrupulous operators online, so when researching options it is essential that these are checked out. Be sure to check them out on the BBB website, or via the Verify1st tool, before agreeing to anything.

Remember, large loan approvals are one thing, but getting a debt consolidation loan that alleviates the pressure is the purpose behind the exercise. So, be sure to get an affordable deal from a lender that can be trusted.

Career Options - Conservation and Preservation

Thursday, August 7, 2014

Conservation and preservation has a gratifying and exigent career opportunity for those who have a methodical bend of mind and an eager to know about the history. It can give knowledge about the legacy and rituals of a kingdom or a culture. It is the scientific and systematic learning of past and human cultures through the recovery, investigation and credentials of material remains and ecological statistics, like structural design, relic, features and landscapes. It is the pasture of conservation and preservation of architectural residue, old gravestone, inscriptions etc. In fact, conservation and preservation (Archaeology) is the science that facilitates to erect a portrait of the past.

Archaeology is a multidisciplinary science which takes aid from topography, history, anthropology, chemistry, geology, art and journalism. It is also regarded as one of the four twigs of Anthropology, which is the learning of the physical and social characteristics of humanity. The artistic and communal events of the history have been enlivening through conservation & preservation studies. These studies or inputs are deemed crucial in subjects such as ecological conservation, metropolitan societies, township forecast etc. These innovations involve a diversity of field technique and laboratory procedures.

Individuals concerned with the studies of conservation and preservation are known as Archaeologists. The foremost activities of an Archaeologist consist of preliminary fieldwork, excavation of sites and periodical classification of them as well as dating and analysis of materials so dig out. Their studies and results are potted and uphold for present and future knowledge.

The profession offers fascinating career options in government as well as in private sectors. Degree holders in conservation & preservation can also get career as traveler guides, legacy managers, forecaster, and resource personnel of trip planner in the tourism industry. Graduates in such field can take up education and research work after acquiring doctoral degree.

Can You Make A Good Attorney In West Palm Beach?

Attorneys in West Palm Beach have been having a hard time over the past few months as that are as been having the most interesting of cases over the while. It is the oldest and one of the most popular cities in the state of Florida, having almost eight hundred registered and running law firms, with many of them in the field of litigation. The profession of law is quite wide, but the qualities that make a good attorney, in any field, are more or less the same. This begs the question, what does it take to be a good attorney? Here are a few points to note that you may be able to gauge yourself.

1. Arguing
Basically, this is the basic thing about an attorney. The attorney in the courtroom is required to argue out his or her case that he or she may win. A lot is usually at stake: money, freedom and even lives. Therefore, a good attorney must really be good at arguing out points, even though at times you may be sure you are not right.

2. Negotiation
Negotiation is a completely different concept away from arguing. An attorney many are times that he or she is required to negotiate and arrive at the best option for his or her client. This is a very critical aspect of law, especially when it comes to signing contracts.

3. Workaholic
One distinguishing attribute of an attorney is that he or she is a workaholic. Attorneys are always on the job. Even as you watch television series related to this, you may have spotted that some attorneys usually have a bunch of clothes in their offices such that when working late in the night until morning comes, they will have a fresh pair for the day. This shows a lot of passion in your line of work.

4. Time
Given the working environment of an attorney, one must be good at managing and balancing time. You need to keep a schedule of almost everything and make sure not to forget crucial matters and leave out certain agendas. Even out of work, as you need to remember a more important aspect of life than your profession: friends and family.

5. Aggression
For you to make a proper attorney, you definitely have to be aggressive and have a thick skin. The professional world demands a lot and you should be able to keep up with the pressure.

6. Read and Write
You must not undermine this one aspect. Primarily, to get to the point of qualifying as an attorney, you will be required to have read volumes of books. A lot of writing is involved in the field of law for example contracts, pleadings. Likewise, you are required to read others when dealing with clients.

Take note of these six qualities, as they are quite important for any attorney, some even getting a forth arrest for driving after the influence. Makes you wonder how the other three cases went. Question is, how good an attorney you will be?

Rajasthan India Tours - Tours in to Enticing World

Tuesday, August 5, 2014

Rajasthan, the land of kings - is the largest state of India. With record arrival of foreign tourists as well as domestic tourists it is one of the most popular tourist destinations of India. It is a globally famous tourism destination of India and grabs the attentions of tourists from each corner of the world. Tourists from France, USA, Germany, Britain, Italy, Canada, Japan, Australia, Switzerland and Bangladesh visit this royal state of India in quite good number.

Drenched into royal splendor and enduring legacy the desert state of Rajasthan has more than lots to offer tourists with invincible monuments and elegant palaces that grandly stand to narrate the saga of bygone era of the state. Rich culture, glorious past, rich cultural heritage, colourful culture & tradition, majestic monuments, fantastic forts, palatial palaces, terrific temples, historical cities, rustic villages, shimmering sand dunes, exciting desert safaris, camel ride, forest safari, mountains, lakes, wildlife sanctuaries, national parks, etc are prime attractions of Rajasthan India tours. You too will love to explore these attractions of the state on your visit to this vibrant and colourful state of India. It fact, Rajasthan is as an open-air-museum where its relics have been well preserved for the delight of tourists. This historical state of Rajasthan is able to grab the heart of even the most skeptical and negative tourist.

The historical cities of the state are also worth visiting attractions of Rajasthan tourism. Jaipur - the City of Victory world wide popular as the Pink City of India - is the capital city of the state. It is a must visit destination of the state having several attractions like City Palace, Jantar Mantar, Amber Fort Palace, Samode Palace, Jaigarh Fort, Jal Mahal, Garden, Museum, etc. The city of lakes, Udaipur is also a worth visiting city of the state. It is one of the most beautiful cities of India. It is considered as one of the most romantic cities in the world with its beautiful ambiance, beautiful landscapes, beautiful palaces, beautiful lakes, and those things which are beautiful. Truly, a romantic city Udaipur is. Jodhpur - the Blue City of India, Jaisalmer - the Golden City of India, Bikaner - the Camel City of India, Mandawa - the City of Mansions, Pushkar -the Sacred City of India, ets are few names to worth visiting cities to Rajasthan India.

Magnificent monuments have a great place in Rajasthan Tours package. How can be a complete tour package without including majestic monuments of the state? Almost entire Rajasthan is dotted with several magnificent monuments standing majestically on the desert-landscapes with tells the saga of glorious past and heroism of erstwhile rulers. City Palaces, Amber Fort Palace, Jodhpur Mehrangarh Fort, Udaipur Lake Palace, Udaipur Fateh Prakash Palace, Kumbhalgarh Fort, Chittorgarh Fort, Pushkar Temples, Ranakpur Jai Temples, Mount Abu Dilwara Jain Temples, Ajmer Sharif Dargarh, etc are some of prime monument attractions of Rajasthan Tours India. Rightly the state is described as the land of monuments. Exploring beautiful monuments of the state would be a delightful experience of lifetime.

Basics I Learnt About House Insurance

We are all living in a world full of uncertainties where we don’t know or even have an idea of what may occur in the next minute! However, it’s good to safeguard all your property from the different calamities that are out there. When I was searching for house insurance, I had to do some research and also inquire more from insurance brokers and agents. I learnt that under this type of insurance there are different kinds of coverage that one should know about. I was so lucky because the insurance agent in the insurance company I opted for helped me in understanding the coverage types. There are many things that one can cover his or her house against such as fire, theft, natural calamities such as floods, landslides and hurricanes, etc. Most companies rarely offer policies to cover against the natural calamities. I was also asked if I had the money to pay for all the coverage types. I could easily do so but if I couldn’t, I would have to choose to cover against risks that have a higher probability of occurring. This was a good idea because I came from a place that rarely experienced hurricanes, floods and landslides; hence covering against things such as theft of property and fires was my ideal choice.

As I consulted different insurance agents, they informed me that I had to be very keen when signing or coming into an agreement with any house insurance company. They told me that it was always important to read through all the policies carefully and in case of a problem, I would have to look for a financial advisor or insurance agents for further explanation. This is because some insurance companies offer different remedies for different problems. For example, some insurance companies will look and buy you a new house when yours is not in a good and safe condition. However, some might offer you a low-quality house compared to the one that you had before; hence I had to be careful when reading some of the clauses. Some insurance companies also outlined lots of critical conditions that were not clearly detailed and I had to turn them down. My financial advisor advised me that such companies like taking advantage of the unclear clauses and using them to exploit their clients hence I had to avoid them.

On the other hand, seeking house insurance is a very good move. I benefited a lot from paying for this policy because never at one time since then have I ever lived in fear that I might not be able to recover should any mishap strikes my house. Generally, the best thing about this kind of insurance is that it covers for all the injuries that might happen when one is inside your house. Whenever any member of my staff got injured while inside my house, I didn’t have to pay any amount of money to cover for the medical expenses; the insurance company came in handy and settled all the costs. I saved a lot of money by acquiring a home insurance policy.

What Are Qualified Insurance Leads and Why Should You Buy Them?

Sunday, August 3, 2014

Everywhere insurance sales professionals turn these days - whether it is while they are online, sorting through mail, or at a convention - there likely will be someone attempting to sell insurance and financial services leads.

Given that there are many lead generation companies focusing on the insurance and financial sales industry, how do insurance professionals make an informed decision about which lead generation company to choose?

Unfortunately, a number of lead generation companies that are offering to sell you great life insurance and 401(k) leads are simply just peddling computer-generated, data-aggregated mailing lists. Sometimes, these lists have actually been purchased from another lead generation company and are now being re-sold to unsuspecting insurance professionals.

These types of leads are not considered qualified. How does an insurance professional know what constitutes a real qualified insurance lead? While a lead is the contact information of someone who may be interested in purchasing your insurance and financial products, a qualified lead has had its information verified. Experienced professionals who work at lead generation companies actually make phone calls directly to the prospect to ensure that lead's contact information is current and correct, and that these are indeed the people who would have the desire and ability to purchase your insurance services.

Then there is the matter of exclusivity. Even a qualified lead is devalued if it has been sold to ten different insurance agents. With an exclusive lead generation company, the leads will remain exclusive to you for a set period of time (ex: 45 days), when no other agent will be sold that information.

This guarantees that you do not get stuck in a "bidding war" with other agents over your prospect. In the case of exclusive leads, your insurance and financial products will be bought based on the value they bring to the prospect - not bought based on the fact that you were able to squeeze out the lowest price.

Purchasing insurance leads - especially exclusive, qualified leads - saves insurance professionals time and money. This enables insurance agents to focus on selling their products instead of wasting valuable time tracking down prospects, hoping that the information is correct and that they were first in line - ahead of other agents. For prospects to convert into paying clients, insurance agents must purchase qualified, exclusive leads. This ensures that the data is accurate and that the lead has not been passed through hundreds of agents before it reaches you.


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