Archive for October 2014

Video of the Week: Get Over Fear

Click here to read more on overcoming fear.

When Should You Hire Your Own Insurance Claims Adjuster?

by: Chris Hughbanks

You should consider hiring a claims adjuster if your insurance company isn’t acting quickly to replace your losses or you aren’t pleased with the terms of the settlement. In a crisis situation, caring for loved ones and establishing a temporary residence increase in priority. Do you feel confident that you will be able to negotiate the best possible settlement in regards to your insurance claim during this very difficult time?

Public adjusters are trained professionals that represent your best interests when you have a large property claim to file with an insurance company. An experienced insurance adjuster can offer the assistance and guidance necessary to bring your claim to an equitable and speedy resolution. They have specific industry knowledge and will be able to interpret your contract and better determine your rights and the insurance company’s responsibilities.

Here are some cases when it could be practical to hire a public adjuster:

-When a portion of the property has been destroyed by water, fire or wind damage, and a public adjuster is needed to take inventory of which possessions survived, those that are damaged beyond repair.

-In cases when it’s too time consuming to follow up on your claim and you don’t have accurate records of your possessions or they were destroyed. Public adjusters will be able to provide the correct information for your file.

-If loved ones were injured or perish as a result of a natural disaster or accident, you might lack the piece of mind to negotiate with your insurance company

-If you are the owner of a commercial property, a certified public adjuster would allow you to focus on the operations of your business and negotiate a more favorable settlement.

Although you have to take a decision as quick as possible, you shouldn’t hire just any public adjuster. After you’ve contacted the National Association of Public Insurance Adjusters and/or the Texas Association of Public Adjusters, you should consider interviewing possible candidates. Ask questions about their former clients and circumstances surrounding those claims. Determine if he/she performed over and above expectations. Contact their references to get their feedback. Follow up with the industry association to validate their credentials.

About The Author

American Vanguard International LLC is a Houston based public adjuster & loss consulting firm serving Texas, Florida, Oklahoma, Georgia and Louisiana. American Vanguard International LLC offers homeowners and business owner’s unparalleled expertise in policy coverage and with the technical aspects of homeowner and mortgagee claims. American Vanguard International LLC is licensed to operate under the Texas Department of Insurance and can be contacted at 1-800-317-5501 or The author invites you to visit:

Photo of the Week: Get Out the Vote


Click here to read more on getting out the vote.

Video of the Week: The Power of One

Click here to to read more about the power of one person to make a difference.

Psalm 91: A Prayer Guide Through Tough Times

by: Jeanie Rose

When things get tough, people of faith and prayer turn to Psalm 91 for strength and encouragement. With great stress, the mind can go a bit wacky with fretting, fear, negative self-talk. Having a ready-made guide for reflection and prayer is essential at times like this. Without a guide, you usually end up endlessly going around the same mountain of anxiety.

So if life is a struggle for you right now, do yourself a favor. Print off a copy of Psalm 91. In fact, print off several copies: each one from a different translation. Go the gamut. Start with the antiquity of the King James and move to the more contextual interpretation of the Amplified Bible to the conversational tone of The Message or The Living Bible.

Once you have your copies, you will use them to amp up your prayer life and renew your mind according to the truth and promises of God. Sound good? It’s better than good. What you are about to embark on is powerful, life-changing, faith building.

Follow any one or all of the following suggestions for putting Psalm 91 to work in your life:

One: Slowly read over each of the translations of the Psalm at least three times a day. Focus. This is not busy work. This is spiritual nourishment for your soul. Continue with this practice indefinitely, just like you continue to eat food on a daily basis. Over time you will have the verses memorized. Naturally some translations will resonate more fully with you than do others. Then a new day will dawn when you hear Psalm 91 playing in your self talk. Eureka! You now have a potent weapon for keeping your thinking in check, staying faith-filled, positive, forward moving. Victory is at hand. Two: Record your translations of Psalm 91 onto your computer or some recording device, then copy the recording to your ipod, mobile phone, CD or the like. Play the recording at least twice a day where you give focused attention to the content. In addition, play Psalm 91 as white noise where your subconscious can work with it. White noise is especially effective at overcoming the negative thinking. So, consider this “white noise” playing through the night as you sleep. This is especially effective if you have trouble going to sleep or a tendency to wake through the night. Many use this technique when suffering the grief of a death or divorce, or suffering any type of physical pain. Three: Keep a Psalm 91 journal. Twice a day write out one of the translations into your journal. Notice this is written out by hand. Doing this activity on the computer will not render the same fine results. There is something about the way your hand and your brain are connected in this activity that effects your sub-conscious mind for the better of course. Naturally, over a period of time you will find that you have memorized Psalm 91 from more than one translation. You will also begin having insights into the meaning of the verses. This is gold! Record it in your journal. Eventually you will have a journal full of encouragement that will stagger your mind. You will realize the energizing work of the Holy Spirit in these insights. Gold, pure gold! Four: Embark on a study of Psalm 91. An excellent free e-course is available. Get started today. Five: Use video meditations based on Psalm 91 on a daily basis to encourage your heart and feed your soul. Copy them to a DVD. Upload them to your hard drive or your phone. Keep them close for a quick dose of spiritual plasma. Remain faithful to any one or more of these Psalm 91 practices and the sink-hole of fretful thinking will be history, past history. Tools for change are available and they are free. Use them liberally for this life-changing experience.

About The Author

Jeanie Rose:

Bio: Jeanie Rose, a veteran speaker, writer, retreat leader, is on a mission to encourage expanded faith and powerful prayer. One focus is on praying Scripture. Learn more at

Photo of the Week: Speak It!


Click here to read more about positive affirmations.

Video of the Week: Voter ID Laws

Click here to read more about Voter ID Laws.

Addressing The Types Of Gender Inequality Around The World (2): Domestic Violence

by: Dotun Adewunmi

‘Despite the fact that domestic violence appears to be frequent practically everywhere, it is also one of the most underreported offences’ [Anna Alvazzi del Frate & Angela Patrignani (1995). Women’s Victimisation In Developing Countries, Issues & Reports No 5].

Regardless of the fact that it has existed since the beginning of societies, it is a savage act that remains committed in every facet of life as we know it. The effects of domestic violence are tremendous. ‘Women are victims of incest, rape and domestic violence that often lead to trauma, physical handicap or death’ [United Nations Department of Public Information (1996). United Nations Report on Violence Against Women]. Female victims are emotionally scarred, their trust for their partners as they knew it permanently broken, leaving the union never to find its initial strength ever again. Children growing up in households where this happens are psychologically affected, they tend [to] become aggressive, develop apathy towards the male head of the house and often struggle to fully contribute to family life afterward. I should know because I experienced it and am still dealing with some of the issues. Domestic violence thus ruins families, creating communities of social instability.

Environments in which the act is widely accepted typically exhibit apparent traits of chauvinism, lack of empathy and a high decline of moral values. It is not surprising then that people of such areas are mostly irritable, short-tempered, emotionally retarded amongst other negative characteristics. Domestic violence has classically been portrayed to be present in middle and lower classes of economically developed countries and in virtually all strata of societies across the rest of the world.

Accordingly, it is not unusual to have believed (and often still do) that ‘the rich don’t cry’, meaning that financially well off people don’t suffer from the specific gender inequality. Thanks to the socio-cultural institutionalization of show business across many parts of the world, high profile incidents of domestic violence have lately been and increasingly continue to be widely exposed by the media.

What was once an affair behind closed doors, is now ruthlessly exploited by the paparazzi for the seemingly unquenchable thirst of the masses, eagerly anticipative of the next (celebrity) scandal.

While ‘Mother Nature’ comic strip (clearly) does not intend to glamorize domestic violence, the idea behind it is to exemplify the dilemma in the opulent parts of society, everyday people may still deem such menace to be unfathomable.

In the swanky ambiance of a boulevard in Beverly Hills, a group of financially buoyant, middle-aged women having brunch, are presented to a horrific occurrence of domestic violence to one of their best friends. The looks on the faces of the victim’s girlfriends symbolizing the very disbelief so many of us still suffer from.

References: United Nations Interregional Crime and Justice Research Institute

United Nations Report on Violence Against Womens

About The Author

5 girls are genitally mutilated every minute worldwide. Over two thirds of the world’s poorest people are females. Domestic violence is a global pandemic and yet also one of the most under-reported offences. There are more than three billion females in the world, all mothers in their own right, yet the majority of them are denied (basic) education, a fundamental human right. Learn more about gender inequality, visit the UN Award-winning ‘Mother Nature – A Satire on Gender Inequality’ @ NOW and join the campaign against global gender inequality!!!

The author invites you to visit:

Photo of the Week: 55 Tips to Manage Work Stress


Click here to read more on work-related stress in America.

Video of the Week: Digital Insanity

Click here to read more about being too dependent on technology.

  • “Tell me what you eat, and I will tell you who you are.” -Brillat-Savarin