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If you need insurance of any type, there are certain indicators of your needs, factors to consider, and types of insurance, that you may want to explore. Understanding the insurance that you need starts with getting good advice and you can get a great deal by using the insurance tips in this article. I am a 60 year old living in the UK , i arrived in the UK as a child in 1960,I can still remember the beating and humiliation I suffered in the east London mosque. ( I was made to go there by my father to study quran) well, I never did study anything, all I remember is the cruelty. And as I grew up I learned that man is a hypocrite, whatever religion he be. I have tried to understand religion, especially in my darkest hour of need,but I feel nothing. All I see is man's greed. I don't need Jesus, Moses, Mohammed, or anyone else to preach to me right from wrong. All religions have used religion as a tool to enslave and force weaker fellow humans to submit to their tyranny. Why would I want to be a member of a club, which arrogantly claims to be, God's chosen people? Or one that made vast profits, trading in human slavery, yes you! Muslims. Christians. Jews. All guilty. Christians, your hypocrisy is breath taking, while you praise your jesus and sing your hymns, you casually drop bombs on innocent civilians. Muslims, you preach to the world about your humanity, yet you don't know the meaning of the word. Jews, you have spread mischief AIA since the beginning of time. As for you Hindus, you are as dumb as animals, as you worship mere animals. And continue to have in place a cast system, which denies millions of fellow humans for you, Saudi Arabians. The guardians of Islam. You should see the writing on the wall. You have found great wealth without labour. Soon it will disapear, along with your will be back to wandering in the desert. Why is my name Rashid? That was given to me by my parents.

Lol reading all of these posts about so many of us in pain is kind of funny looking back. I've had TWO inguinal hernia repairs one on each side at two separate times lol. They said they couldn't do them at the same time or i wouldn't be able to go to the bathroom ( i sure as hell beleive that). The first was nice and neat, but still painful. I remember jumping right off of the post op table and bending over to tie my shoes and jumping up into the truck with my mom on the ride home. OH how i was deceived by the medicine lol. The following weeks were just as excruciating as described here. The pain in the stomache muscles is indescribable. You make yourself look like a moron just trying to roll a certain way and manuever yourself out of bed. Everything healed up eventually and don't have a single ounce of pain 5 years later. The second about 3 years ago was even more painful than the first because i had experienced severe swelling in my sack and very painful (burning) sore nerve damage on my left thigh which still remains to this day. I've just learned to deal with it. The Hernia repair was preformed by interns and it is painfully obvious. I still have chronic pain 3 years later. The mesh is about twice the size and about 3x as bulky as the frist repair. You can tell by the smooth close cut shape of the other. This one is all bulky and looks like they had trouble with it. However all of this pain aside... The worst pain i have experienced from the surgeries was when i started p90x a few months ago. I did some ab exercise that had worked those muscles that were cut into and scarred over so intense that i could barely move the next couple of days. I had no idea that the muscles had been so out of shape lol.

Thank you for commenting James. I agree with a few of your points. Healthcare should never have been attached to employment. It is a system that has evolved since World War II as I wrote and it is antiquated and unfair. I also agree that it is unfair for the employed to receive their insurance pre tax and those who have to purchase it individually after tax. I am currently unemployed and it is quite a burden. Tort reform is absolutely eseential to cost control. I feel purchasing across state lines would be helpful also. I of course differ from you as far as the efficacy of the government running the programs. Yes there is often a lot of fraud but I feel that this requires much stricter oversight. I know this is a point we fundamentally disagree about. Your Via/Mastercard idea is one I have never heard about and frankly I must ponder that one for awhile before issuing a view on it. It is interesting though. One of my points is that new ideas are needed so I like that. I feel thises new state exchanges should be great incubators for implementing this plan and coming up with new ideas on how to provide health care. Who knows, maybe it will evolve your way. I know you feel there is no way that will happen and this will evolve into a massive fraud ridden and wasteful system but I have higher hopes for it. There will be fits and starts but with proper vigilance from adminstrators, legislators, and most importantly citizens, this system can work and create a fairer and more efficient system. I like and expected you would think thoughtfully and thoroughly about this subject and I appreciate your sharing your views.

Reading these past few sentences, many investors may find that all the companies in this industry have similar goals. This observation is true, but does not extend into the fundamental side of things-an area where Reinsurance is really prospering. Looking over the past year revenue numbers, Reinsurance has had more revenue come in at 5.35 billion dollars, according to Capital IQ, which is more than the other three competitors. Now some investors may argue that over the same time period, according to Reuters, operating margins (8.65%) and net profit margins (5.60) are quite below the industry respective averages at 15.49% and 11.00%, not to mention all three other companies. Nevertheless it is important to understand the facts behind these numbers. Comparing both operating and net profit margins last year to the five year average (8.47% and 5.47% respectively), there is clear indication that Reinsurance is growing every year. This is a statement that cannot be said of some of Reinsurance's competitors like Protective Life which saw lower figures last year compared to its five year average. However, the most important statistic regarding sales figures is the five year growth rate. Reinsurance has seen revenue over this time period increase by 21.42%-over four times the industry average at 5.21%. In fact, the next highest percentage increase when compared to the three other rivals was Protective Life at 10.73%. Such great potential should continue to increase given the business plan mentioned earlier, and high sales figures should be a strong complement to higher earnings.

Many times loyal homeowners will stay with an insurance carrier for years because of the convenience of having one insurance company or agency which handles the owners financial needs. It is often an inconvenience and may require some effort to shop around before you renew your policy. You should start shopping no earlier than 2 months prior to your renewal. Florida does not offer many providers for property insurance but does provide many insurance agents. Locating the right agent who will work diligently to help you achieve and educate you how to lower your insurance costs is the key. Many agencies acquiring hundreds of clients after some years are overloaded with work and may not be able to provide the service homeowners expect. Locating an agent which will be there for you is part of the process of shopping around. Testing their service before hiring an agent is key. See how an agent responds to your inquires. The speediness of the response shows the willingness to take you as a client and be there for you when needed. How fast they respond to your emails or phone messages, assuming its not a holiday or they are not on vacation if they respond after 3 business days or more this should be an instant sign to look elsewhere as they are too busy and are overloaded with work. if you locate a good agency and a good insurance rate for your home or condo, don't be afraid to split up your business and give the new agency the business while still maintaining your other insurance like your automobile with your current agency.