Thursday, September 17, 2015

complete the claims

At Dusyk & Barlow Insurance Brokers we realize that the most important part of the insurance service is claims response and procedure.  We are often the first ones that our clients turn to in the
event of a claim and we are happy to provide assistance and advice throughout the claims process. Please complete the Claims Report. You may find it helpful to reference our Claims Process which is found after the emergency after hours claims contacts.
If it is an after hours claims emergency, you can contact your insurer directly. Below are emergency after hours contact numbers for our major insurers. For some, you can also click on the company name to report a claim online.

Academic degree

An academic degree is the state of recognized completion of studies at a school or university. A diploma is generally issued in recognition of having satisfactorily completed the prescribed course of
study. The two most common degrees awarded today are associate and bachelor's.

Donate to Project Child Save

All contributions are 100% tax deductible. It is very costly to rescue an abducted child. Equipment, information, training for security personnel have to be paid and it is expensive. We want to plan more
rescues and we need your help. Every dollars counts - 100% of your donations goes towards saving children and educating families.
Your generosity makes it possible for us to protect children from predators and reunite kidnapped children with their families.
Project Child Save personnel are passionately dedicated to this cause. No one at Project Child Save receives a salary.
All contributions are 100% tax deductible. 

A lawyers quality

A lawyer is a person who practices law, as a barrister, judge, attorney, counsel (counselor at law) or solicitor.[1] Working as a lawyer involves the practical application of abstract legal theories and
knowledge to solve specific individualized problems, or to advance the interests of those who hire lawyers to perform legal services.
The role of the lawyer varies greatly across legal jurisdictions, and so it can be treated here in only the most general terms

Wednesday, September 16, 2015

Attorney at law

Attorney at law or attorney-at-law, usually abbreviated in everyday speech to attorney, is the official name for a lawyer in certain jurisdictions, including Japan, South Africa (for certain lawyers), Sri Lanka,
and the United States. In Canada, it is used only in Quebec. The term has its roots in the verb to attorn, meaning to transfer one's rights and obligations to another.

The great mortgage giveaway

A debt instrument, secured by the collateral of specified real estate property, that the borrower is obliged  Mortgagesto pay back with a predetermined set of payments. Mortgages are used by individuals and

businesses to make large real estate purchases without paying the entire value of the purchase up front. Over a period of many years, the borrower repays the loan, plus interest, until he/she eventually owns the property free and clear. Mortgages are also known as "liens against property" or "claims on property." If the borrower stops paying the mortgage, the bank can foreclose.


Wednesday, August 13, 2014

Worst things to buy at Trader Joe's

There are plenty of reasons to like Trader Joe's: helpful employees in Hawaiian shirts, a no-questions-asked return policy, unusual items such as cookie butter and rosemary marcona almonds, and -- best of all -- low prices.
However, not everything is a good deal at Trader Joe's. We compared its regular prices on a variety of items with the regular (non-sale) prices of similar items at Harris Teeter, Kroger, Walmart and Whole Foods.
While we found that it's tough to beat Trader Joe's everyday prices, there are a few things that are better bargains at other stores.
Take a look at the items you can get for less elsewhere -- and in some cases we're talking dollars less, not just pennies. For each one, we've suggested related items you might want to purchase instead at Trader Joe's because the regular prices are better than you'll find on competitors' shelves.
Almond Butter
An alternative to peanut butter, almond butter is one of Trader Joe's most popular items but it isn't one of the chain's best deals. We found that Walmart was selling the Maranatha brand of almond butter for about $1.40 less than a jar of Trader Joe's almond butter.
What to buy instead at Trader Joe's: organic peanut butter. If you stick with good ol' peanut butter, the organic variety is a good buy at Trader Joe's. The price on a 16-ounce jar at Trader Joe's was the same or lower than the prices on organic peanut butter at the other stores we checked.
Organic Milk
 Milk is a regular item on most grocery lists, and the organic variety in particular can be a big expense for big families. Whole Foods beat Trader Joe's price on a gallon of organic milk by a whopping $2.30.
What to buy instead at Trader Joe's: almond and soy milks. If you want an alternative to cow's milk, Trader Joe's has low prices on its almond and soy milks. At $2.99 for a half-gallon carton, the price on both almond milk and soy milk was about the same or lower than at the other stores we checked.
Conventional Fruits and Vegetables
With the exception of bananas, we found that Walmart beat Trader Joe's prices on a variety of non-organic fruits and vegetables including avocados, grapes and strawberries.
What to buy instead at Trader Joe's: organic fruits and vegetables. If you shop at Trader Joe's, there's a good chance that you're picky about what you consume. So if you prefer organic fruits and vegetables, know that you're getting a lower price on them at Trader Joe's than at most other stores.
Shredded Mozzarella
Whole Foods has the lower price on a 16-ounce package of mozzarella -- $3.99 versus $4.49 at Trader Joe's. Other conventional cheeses also were more expensive at Trader Joe's. For example, a 12-ounce package of sliced provolone cost 61 cents more at Trader Joe's than at Walmart.
What to buy instead at Trader Joe's: specialty cheeses. If you like imported and artisan cheeses, you can find a good selection at low prices at Trader Joe's. We compared two common varieties: French brie and goat cheese. We found that brie was between 50 cents and $4 cheaper per pound at Trader Joe's that at competitors; a 4-ounce package of goat cheese was at least $2 less.
Organic Chicken
 When it comes to organic chicken, both Kroger and Walmart beat Trader Joe's price per pound on breasts. The savings was 50 cents per pound on organic chicken breasts at Kroger but a more substantial $2 per pound at Walmart.
What to buy instead at Trader Joe's: organic ground beef. At $5.99 per pound, Trader Joe's organic ground beef is $1 less per pound than its organic chicken breasts and between 50 cents and $2 less per pound than organic ground beef at the other stores we checked.
Greek Yogurt
The popularity of Greek yogurt has exploded in recent years, all the more reason to be thrifty when shopping for the protein-rich snack. A 32-ounce container of Greek Gods brand yogurt was almost 70 cents less at Whole Foods than the Trader Joe's brand.
What to buy instead at Trader Joe's: organic plain yogurt. Trader Joe's price on a 32-ounce container bests other retailers' regular prices by at least 50 cents.
Frozen Fruit
 Trader Joe's sells small packages of frozen fruit. So you'll pay nearly three times as much per ounce at Trader Joe's than if you buy a 64-ounce package of strawberries, blueberries or other frozen fruit at Walmart.
What to buy instead at Trader Joe's: frozen meals. Although frozen fruits aren't the best deal at Trader Joe's, the chain's frozen meals are a bargain for those who don't have the time or talent to cook from scratch. For example, the price on its individual serving of pesto tortellini beat the prices other stores had on Amy's brand pesto tortellini by 50 cents. And Trader Joe's paneer palak -- an Indian dish with spinach and cheese -- was about $2 less than the Amy's brand version sold at the other stores we checked.