How to get an affordable medical insurance plans?

Many people who buy health policies for the first time are often puzzled by the most basic concerns such as what is the right insurance amount for them, which is the best hospital network, what features & rider benefits that they should opt for etc.

Investing in medical insurance plans is not like a grocery shopping. Your plans might have lots of complexities in terms of understanding the benefits, deductibles, exclusions & inclusion, time periods, etc. A small misjudgement can shorten your cover, if you’re unable to understand either the terminology used or the fine print. Therefore, it is advisable to have an expert opinion who will guide you through policy terms & conditions, benefits & features depending upon your family needs & income source.

The good news is that today there are hundreds of insurance policy that could be purchased online and these online sources can provide you the information you wish to seek. In fact an increasing number of online insurance companies are now accessible anytime & anywhere from the place of your choice for you to understand and compare health plans and choose what suits you best.

When it comes to your wellbeing, medical insurance plans form a key part of various initiatives that you undertake to ensure that you and your family are well protected under any medical emergencies. When it comes to family security end number of ways are less for their protection because you’re emotionally in love with them and want them to be protected in every sense. But practically there has to be some financial consensus under which you & your family stays protected. Therefore, protecting the well-being of you and your family by investing in a policy from an online insurance company will mean that you try to give them & yourselves the best treatment available in medical conditions.

In addition, you receive peace of mind that you have done all you can to smoothen the path during any unforeseen critical illness or accident. You are able to stand strong during emotional, physical and financial stress of your life. With medical insurance plans available online it is as easy as buying a cinema ticket without even leaving your home or desk!

Nowadays, general insurance companies offering health plans give you the best quotes on the web. Therefore, you have an opportunity to research, check on the benefits &features, discount & deals, offers, payment & claim procedures etc. and match your policy to suit your requirement accordingly. And if you are happy with the quote given and the cover available, you can also buy it online by following simple ways.

With ample variety in the market, all citizens can choose a suitable plan that can take good care of his or her dear ones. With several benefits included, these plans ensure comprehensive coverage to all the insured members. You can make your pick and enjoy tension free healthcare in the future. Go for a family medical insurance plans that ensures the family members’ well being now. Today is the right time to take a decision. Make a wise investment for your healthy future. Get yourself educated about a suitable family insurance policy and make the correct choice catering to your needs. These health insurance plans provide caring, professional claims service in your time of need. From the purchase of your policy till the claims, your representative is there to take care of your needs and answer your questions when you have them.

Rainbow Motor Trade Insurance Policy

Trader’s insurance is absolutely necessary but obtaining it can be sometimes stressful and difficult. If you work in a profession, where you need to travel a lot in different types of vehicles not owned by you, you need to acquire a motor trade insurance. Whether you are involved in trading of motor vehicles, repairs and servicing or any motor trade, a motor trade insurance is a must. Any vehicle undertaken by a motor trader for work, whether driven or parked are likely to be deemed under ‘care, custody or control’ and hence you require motor trade insurance which covers and meets all the terms of the Road Traffic Act. Depending upon whether you sell, trade, repair, valet or service motor vehicles, motor trade insurance is the safest solution.

Mechanic insurance

Rainbow Motor Trade Insurance works along with a panel of 20 motor trade insurers who are best in this field and are there to compete for your business. Their various motor tradeinsurance policies are designed and customized for individual requirements. They offer Motor dealer insurance, valeter insurance, breakdown recovery insurance, vehicle delivery insurance, mechanic insurance etc. With 20 years of experience at hands, Rainbow assures you hassle free and quick quotes, connecting you with the motor trade insurers within minutes. All you have to do is fill a quick application form, fill in your requirements and wait. A single step online quote form is what it takes and you will be connected to the best 20 insurers in UK. Your privacy and safety is our priority. All our forms are encrypted and your personal details are safe.

Car sales insurance

Rainbow is aiming to meet all your motor trade insurance requirements as you save time, money, resources and paperwork. There are many different motor trade insurance options available to choose from, which makes the decision easier because you can find and customise a plan to suit the needs of your business. This gives you control over what level of cover you have on your vehicles and what individual parts of your business you choose to protect. We provide the following: Car Sales insurance, Motor dealer insurance, Mechanic insurance, Breakdown recovery insurance, Vehicle delivery insurance, Breakers and salvage insurance, Valeter insurance, Windscreen repair insurance, Bodyshop repair insurance. For greater comfort of the customers we propose to use our mobile application, available for iOS, Android and Windows Phone. Don’t waste your time and explore the motor trade insurance market for free, get the right policy offer to you.

New Concerns About Florida Home Insurance Companies

Even though there were no Florida hurricanes in 2009, there was plenty of news from Florida home insurance companies.

To begin with, nearly 50% of all active Florida home insurance companies lost money in 2008 – a year in which no major storms hit. Many companies continued to experience losses into 2009. Among the reasons for these losses include lower revenue due to inadequate Florida home insurance rates along with rising expenses.

As 2009 unfolded, two Florida home insurance companies failed and were placed in receivership by the state after their cash reserves fell below the required minimum levels.

Homeowners insurance companies failing during non-hurricane years should send fear and panic across the state. Why? Because if these companies can’t make money in non-hurricane years the odds increase dramatically that they will not be able to build up enough cash to pay your claim after a major Florida hurricane.

A closer inspection of the company that failed in the spring of 2009 reveals disturbing trends that could affect other Florida home insurance companies in the future.

For starters this company faced an onslaught of both new and reopened claims from Hurricane Wilma – a storm that struck Florida nearly four years ago in October of 2005. These claims contributed to the ultimate collapse of this company because its backup reinsurance from 2005 was exhausted, leaving this small company on the hook to pay these claims from its own surplus.

In addition, this company had a large number of policies in many of Florida’s southern, most hurricane prone counties in the state. To the company’s credit, it also showed good faith through its willingness to cover older Florida homes.

What are the lessons from the two Florida home insurance companies that failed this year?

Even if your company meets the minimum capital and reinsurance requirements in the State of Florida it can still fail for many reasons including unexpected reopened claims from prior years and inadequate risk diversification across both Florida and into other states.

Here are the things you should look for when considering a new Florida home insurance company.

The majority of the companies still writing new home insurance in Florida are based in the state. Look for companies that are diversifying their policy base across most of the 67 counties in Florida so that they have balanced their exposure in the southern coastal counties with policies written in the northern interior counties.

Look for companies that are growing their home insurance business into other states. Some Florida home insurance companies that came into existence in the mid 1990’s are beginning to do this which is an encouraging trend. Companies that distribute their risk into other parts of the country will have improved odds of surviving the next round of hurricanes.

Learn as much as you can about the company’s customer service and claims processing. If a company you are considering has outsourced this work find out what their customer service history is and how many complaints they have received relative to others in the industry.

Finally, find out how much surplus the company has available to pay claims and check on their ratings with the major financial rating services. Many Florida home insurance companies being granted premium rate increases should be able to show that they can grow their surplus over time – particularly if Florida continues to have below average hurricane activity.

You should take note of those Florida home insurance companies that were able to stay profitable in 2008 and 2009 when many other companies lost money – together with those that demonstrate the ability to use higher rates going forward to increase their surplus.

In this brave new world of newly formed start-up Florida insurance companies, doing this research will give you the best chance of being paid quickly and fairly after the next round of Florida hurricanes.

How to Insure Your Business From Employee Fraud

Though business owners realize the importance of insurance when it comes to general or specific liability, in most cases, they fail to protect themselves with coverage against internal crime.

Experts claim there are hundreds of billions of dollars in business losses actually attributed to employee theft.

Initially, the smart business owner should assess the following:

a) How easy is it for employees to steal any items?

b) Are petty cash, banking procedures and invoices managed well?

c) How easy is it for someone to modify shipping/receiving papers?

d) Can workers go and come as they please without monitoring?

Corporate experts advise companies to manage internal theft risk by going the extra mile to ensure they employ trustworthy individuals. They can do this by making reference, background and criminal checks. Businesses should also distribute printed company security rules and institute a manner in which an employee can make a report about another who does not adhere to the protocol. Often, a company policy that includes prosecution of inner crime by the court system is means enough to deter the possibility of theft. For bosses who do not relish the idea or the expense this entails, strict enforcement of monetary compensation for items that were taken may also be effective.

While the above measures certainly can help minimize the risks of internal thefts occurring in the first place, there is no foolproof manner in which to guarantee total avoidance. By purchasing crime coverage (aka fidelity coverage) from a reliable insurance agency, businesses will protect themselves in the event theft loss actually occurs.

What are 4 of the most widespread employee offences?

• False reimbursement submissions

Workers have been known to report extra expenses or expenses that had nothing to do with commercial use. Bosses who keep track of this by asking for receipts and inquiring about cases that appear irregular or not associated with a particular event or assignment tend to target and discourage crime.

• Fraud in Checking

Employee fraud in relation to company checks is not uncommon. In these cases, a worker may make new checks payable to themselves. They may also may take old checks that have never been cashed and re-issue them to themselves. Business owners or managers who review checks prior to affixing a signature to them make it more difficult for cheaters.

• Payroll fraud

Unscrupulous employees have been known to alter cash amounts on payroll checks. They have been also caught at duplicating checks made out to their own names so that they can cash them numerously. Business owners or managers who review checks prior to issuance make it more difficult for scam actualization.

• Fake billing or Invoices

To cover their own bills, some employees may produce false invoices that need to be paid. Business owners or managers who review invoices prior to signing checks for payment make it more difficult for these types of ploys.

PRIME Insurance is an A++ rated agency that has won numerous industry awards and been appointed to do direct business with scores of the leading companies. Passionate about the insurance we sell, we place remarkable focus on customer service, educating our clients so that they can make informed choices.

Basics of Inland Marine Insurance

The concept of marine insurances also originates with the insurance itself. Businesses realized that ocean marine insurance only covers for the losses of merchandises and goods when are being transported by water-bound vessels and that the goods still need to be protected financially after being offloaded until they reach their ultimate destination.

Thus, the process of “inland marine insurance” was initiated to protect the goods while they are temporarily stored in warehouses and are in transit on land. The main idea is to protect the shipment from all sorts of transportation perils and not just when over the ocean.

Inland marine insurance covers transportation losses for businesses in the supply chain sector and anyone in general who needs to transport the goods from one destination to another.

The inland marine insurance covers any property that is in transit which includes the following:

1. Shipments from manufacturer or supplier to the purchaser
2. Consignments from warehouse to the retailers and sellers
3. Assets that is on its route for exhibition or convention
4. Specialized equipment of various industries such as medical equipment, oil & gas equipment, construction, etc.

Properties that are somehow involved in communication and transportation such as bridges, wharves, transmission lines and towers, are insured using inland marine insurance.

Movable Property and Equipment

All such equipment that is transferred from one location to another (except for licensed vehicles) lie in the category of moveable property. It covers for such losses regardless of the location at the time when damages were sustained. A commercial inland policy will be required for properties used in businesses that are located far from the premises since standard commercial policies offer only limited coverage in this regard.

Commercial Property Floater

This covers for the damages sustained by the equipment and other objects of importance to the business that are not present at one location. There are numerous commercial operations which offer mobile services in various locations. If you run such a business, then you may require commercial property floater insurance. The nature of such policies varies from one business to another.

Bailee’s Coverage

Inland marine insurance also covers for the damages sustained by another person’s objects in your possession. Anybody who has the temporary possession of someone else’s property is called a bailee. Bailees may procure a policy to cover for losses in their possession to overcome the legal liabilities to the original owners if the property is harmed, missing or stolen.

Personal Inland Marine Insurance

This type of insurance provides protection to your personal belongings regardless of the fact that they are in transit or not. Your homeowner’s policy can be expanded to include inland marine coverage to protect your investments in items such as silverware, jewelry, computers and peripherals, cameras etc. In order for these objects to qualify, they have to be portable and should have a high value.

Inland marine insurance is a great way to provide security to the property that lies outside the range of fixed location because it follows the insured belongings as they move to another location.

Do Childcare Facilities Need Employment Practices Liability Insurance?

Protection for You

You’ve got a state-of-the-art child daycare built around a warm, clean and safe atmosphere. The teachers are handpicked professionals that give kids undivided attention, stimulation and fun learning. Children are happy. Staff is fulfilled. Parents are proud. What could go wrong?

Unfortunately, a lot of things – that your general business liability insurance does not cover.

Childcare Claim Examples that Really Occurred!

• Third Party Liability: After a Montessori School stated they could not admit a child due to licensed limited capacity, the parents sued for racial discrimination. The parents insisted that the school had a non-admission policy for African American children and mentioned the fact that the student body did not contain even one African American. Defense and Settlement costs totaled: $67,000.

• Internet / Email Liability: An administrative assistant for a childcare facility sent an email to all employees instead of her intended single recipient. The email contained an embarrassing inappropriate joke. The center’s director instructed the employee to send a subsequent apology email to everyone. Just 2 months later, an employee that was laid off due to company downsizing, sued because of a hostile work environment and cited the inappropriate email as proof of an atmosphere that did not respect her religious principles. The facility was discomfited and uninterested in having this lawsuit revealed to the parents.

• Retaliation: An Indian childcare employee objected to the racial insults directed at him by some of his fellow workers. As a result, the owner assigned him to another room where there was less of a staff presence. The new situation warranted less work-time and therefore his hours were reduced. The slighted employee sued the childcare center for discrimination and retaliation for relating the discrimination. Defense and Settlement costs totaled: $125,000.

• Wage and Hour: A Non-Exempt head teacher was covertly tracking hours as she worked the overtime that was requested of her. As a salaried worker, this teacher never mentioned any grievance about the additional workload. When the owner was served a wage-and-hour lawsuit by the teacher, he was caught by surprise. Although there was no way to discern if the teacher’s calculations regarding her work hours were precise, the center was guided by their lawyer to settle for the presented amount rather than take the risk of other present and past employees joining the lawsuit.

Employment Practices Liability Insurance

Employee-related claims come at a steep price. Protect your childcare center from a lawsuit with an EPLI plan that’s tailored to you.

EPLI

An EPLI policy protects you against lawsuit claims made by current, past and possible employers, as well as visitors. It’s coverage for a wide range of suits that stem from:

1. Wrongful termination

2. Discrimination

3. Sexual harassment

4. Service refusal

5. Other employee claims

Visit http://www.primeins.com/ for the best coverage and quotes. Located in Lakewood, NJ, PRIME Insurance is affiliated with tens of the top insurance companies. Experienced and caring, with a reputation that bespeaks excellence, PRIME provides protective plans for the Tri-State area and beyond. Join the ranks of 10,000 plus satisfied customers today!

Insurance for the Gum Industry? There’s Coverage Every Chomp of the Way!

“I chew gum because it distracts me from eating and helps curb my appetite.”

Those that think chewing gum can be used as an aid to dieting or to maintain proper food consumption, may have another thing coming to them. According to studies, the gains, made by the associated reduction of hunger, is mitigated by the resulting ingestion of less nutritious foods than non gum-chewers. Results of research in fact show that gum chewers are more prone to eat junk food, such as potato chips and candy. The junk food preference may well be the after-effects of the common gum mint flavor that causes fruit and vegetable to taste bitter.

Desperately need that stick of gum? Check out these suggestions to curb food cravings and relieve life’s stress; they may just be the perfect substitute!

To reduce food cravings:

• Drink more water
• Exercise
• Don’t skip breakfast
• Eat wholesome, protein-rich small meals, frequently, instead of three large daily meals
• Satisfy yourself with tea

To relieve life’s stress:

• Eat wholesome foods and don’t skip breakfast
• Enjoy a hot glass of chamomile or green tea
• Take a brisk walk
• Exercise
• Refresh yourself with a drink of water
• Catch a brief catnap
• Use relaxing breathing techniques

Who created gum in the first place?

Incredible as it seems, the concept of gum dates back at least to the time of the Greek Empire when people would chew on resin from the mastic tree, named specifically because of the chomping that it provided for humans. Back then, the activity served dually as a tooth-cleaning exercise and a breath freshener. Later, The New England colonists learned the art of spruce resin gum chewing from the Native Americans that they encountered.

Like many innovations, contemporary chewing gum is a product of a business manufacturing gaffe.

In 1869, the exiled previous Mexican president, Antonio Lopez de Santa Anna, lived in Staten Island. Hearing the rumors about latex derived from a tree in Yucatan that might be rubber’s counterpart, he decided to try his luck in the venture despite any potential risks or liability losses that the undertaking might have. After purchasing a massive amount, he hired the inventor, Thomas Adams, to process it. Unfortunately, there was no insurance coverage policy that protected either de Santa Anna or Adams. Not only did the assignment fail, it left poor Adams with a surplus of ‘useless’ material.

Then, Adams detected some notable qualities in the substance. In its dried form, the latex was insoluble in water; in addition, it was fairly plastic. Placing it in his mouth, Adams discovered a chewable pleasure, likened to the paraffin matter sold in drug stores of the times.

In 1871, the ‘failed’ inventor patented his gum, ultimately adding flavors that forwarded his brand. Adam’s gum became a genuine sensation when the Wrigley Company expanded the popularity with advertising.

Despite the success that developed until today, you can bet your bottom dollar that Wrigley’s currently has the necessary general liability, business insurance and commercial auto insurance that protect their booming enterprise from lawsuits, claims, and so on.

As part of an ongoing series, PRIME Insurance features articles of interest and education at its website blog, http://www.primeins.com/insurance-news. Visit us and discover the winning formula that makes customers into informed insurance consumers. Armed with knowledge and an association with the leading agency, you’ll be equipped to procure a tailored policy at a pleasing quote so that you can push worries aside.

Buying Financial Insurance in Canada

If you’re a Canadian and have been in the workforce for a decade or more, then you know that your income purchases less today than the first year of your working career. Inflation is a part of our society and while our government continues to devalue our money by printing more and more of it, inflation will undoubtedly continue. This is not only a Canadian concern though. All around the world people are feeling the effects of inflation due to excessive money printing; but more on that another time. The long-and-short-of-it all is this: YOUR MONEY WILL continue to BUY LESS as the years go by.

A quick 100-year calculation using the Bank of Canada (BoC) inflation calculator showed the cost of a fixed “basket” of consumer purchases in 1915 was $100.00. At the end of 2015 that cost was $2,083.61. More recently, over the last 10 years prices have gone up 18.01%. Has your income gone up by the same or greater?

The answer is probably, No.

Whether you’re a six-figure earner or you make 30k a year, your “money” is losing buying power. There are a lot of ways that you can protect your money from devaluation but we’ll discuss two common options people take.

One option is the stock market; put a lump of your savings into a portfolio and see what happens. Sounds like gambling to me. But if you’re prepared to leave your finances up to other factors (and people) other than your own due diligence, then putting your money into stocks may be a good fit for you under the following two conditions:

You have the stomach for volatility and,
Your primary objective is to see a substantial return in a short period of time… hopefully.

Another option, and this tends to be the easiest and most selected, is to open a bank savings account. No hassle involved; just open the account, decide how much you want to save and how often, put it on auto-pilot and watch your savings grow.

Really?

In today’s economy, bank savings accounts are not a viable savings vehicle. Most of the interest rates offered are earning below inflation rates. The sad reality is many savers make a future withdrawal only to realize that thy have lost money on an after-inflation basis.

So, what do you do if you’re not a savvy investor?

Buy financial insurance.

We have insurance for almost every aspect of our lives yet insurance is something many of us hopes we never need to use.

Buying financial insurance in Canada, or anywhere else for that matter, is putting your money into a vehicle that is protected long-term from the ups and downs of the volatile economy.

Buying financial insurance preserves your buying power and provides a hedge against inflation.

The global economy is changing but the only economy that should matter to you is yours.

Take the time to get further educated on buying financial insurance in Canada.

As an independent insurance advisor and income protection specialist for almost a decade, Ryan has been providing clients with customized personal insurance and financial solutions through disability, life, critical illness, long-term care, and other personal insurance products while providing strategies for hedging income and preserving wealth.

Article Source: http://EzineArticles.com/9279552

Tips for Saving Money on Insurance Premiums

For those who are looking to save some money in the new year, it may be beneficial to research some ways to reduce the costs of car insurance premiums. There are a variety of ways to pay less money each month. The following are some ideas to consider implementing in order to reduce monthly spending:

Liability Coverage on Older Vehicles

For anyone who has older vehicles, carrying only liability insurance is one way to reduce premiums. This is especially helpful for those who have older vehicles in addition to their vehicles used for primary transportation. Removing the collision and comprehensive pay can be a good way to reduce spending, particularly if the value of the vehicle is low. It could be that the cost of insuring the vehicle is higher than the replacement value.

One main consideration with this idea is whether or not there are payments due on the car. For anyone who is still financing, the agency may not allow a drop in coverage until it is paid in full. Also, if there is no way to replace the vehicle in the event of a crash, full coverage may be needed until funds are in place to do so.

Inquire About Safe Driver Discounts

Many agencies will offer discounts to those who have a clean driving record. These discounts are typically provided to those who have no tickets or accidents on their driving record in a specified timeframe. In addition, drivers should not have made any claims for comprehensive repairs, such as broken windshields.

Ask About Discounts for Good Grades

For those with children of driving age, a good report card can prove to be beneficial with regard to insurance costs. Discounts are often provided to kids who maintain a certain grade point average. The amount of the discount will vary from agency to agency. Also, the insurance agent will likely ask for proof of grade point average from time to time, so be prepared to provide that information on a regular basis.

Do Not Drive As Often

For those who are at a point in which they are not driving as often as they used to, agencies may provide a discount for doing so. If driving less is not an option, there still may be options to attain this discount. This can be done through carpooling or traveling using public transportation. This not only accomplishes the goal of spending less, but it will also save money in fuel costs, maintenance, and repairs on a vehicle. For those interested in this type of discount, the agency may require a device to be placed in the car to track mileage. Alternatively, the insurer may request a manual report of mileage on a regular basis.

Saving money is often a priority for many families, and saving on insurance premiums is an ideal place to start. Check with different insurers to see if additional discounts are offered that are different from the current agencies. It may be worthwhile to change providers to take advantage of these cost-saving measures.

Article Source: http://EzineArticles.com/9324695

How Much Influence Do Insurance Companies Have in Our Lives?

Responsible people when purchasing a home, car, business, or want to prepare financially for the future obtaining some kind of insurance policies. On the other hand trying registering a car or purchasing a home having a mortgage without insurance, would not be permitted by law. I can’t think of any other for profit industry that has the power in getting our governments to make life changing legislature. Here is why I think they’re able to accomplish controlling many facets on what we can and cannot do?

It all begins with people they hire called actuaries, they assess risk factors in people’s lives. Then those statistics determine our insurance costs. As an example an eighteen year old male, living in a major city, driving a Honda Civic will pay a small fortune with their car insurance. They have determined males of that age have more accidents, the chances for theft is higher in a big city, and there are many Honda Civics out there meaning more claims. Still using driving, I agree that wearing a seatbelt can save a person’s life in an accident, but up until the last few decades it wasn’t a law, but an option. I presume back then the insurance companies figured-out that if they go to the government showing statistics, they could get a law passed where everyone was required to wear a seatbelt which they did.

As I mentioned above they are all about profit, not as much about our safety as they would like us to believe. Just think by having had the government put in place a seatbelt law how much money did they save in claims. The government is not innocent here either, again they pitched safety, but made some serious revenues from ticketing those not wearing seatbelts. There were many stubborn people in those days who opposed the law and paid a hefty price. The thing is when it comes to making a premium price they can do what they want, but when the risk factor is high, out of their control, then enlisting the government to make laws for them are perfect. Let’s face it the easiest way to get people to buy into a trip is through fear!

I know this might be a taboo subject for most, but smoking is another avenue where the risk factor for insurance companies paying-out was higher than those who didn’t. However being a legal substance for those of the age of majority, how would they reduce their risk factors in medical policies? Again recruit the governments, use the medical communities, and scare the hell out of the general population that smoking will kill them. Obviously smoking is terrible for one’s health, but again I veer back to it being a legal product. However once the campaign against smoking got steam where people bought-in, they made and enforced laws preventing smoking in certain areas, eventually all public and work places. Remember this is all about our safety and health. With that said how much money are insurance companies saving on claims from smokers? Let’s not forget our government highly taxing cigarettes to discourage us from using them. It great knowing that our government and insurance companies are simply nice folks watching-out for our well-being! Right! No motive just kindness and consideration for all! What a great world we live in!

I have no doubt the actuaries determined that work places weren’t safe enough, so that made insurance companies more vulnerable for payouts from workers and customers getting injured. How much more not sure, but they as usual enlisted the government to change the work place safety laws, all under the owners expense. The truth is again insurance companies are businesses, if someone makes a claim with all the laws in place, companies following certain set procedures, they have a better chance of not paying-out. The government is also as usual gets a piece of action too, if businesses don’t comply they receive hefty fines. So again is it about our safety or their money?

In conclusion I have not doubt that the insurance companies have a nice effect in regulating our country, and huge influence in how we live our lives!

Article Source: http://EzineArticles.com/9335988