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Florida Claims Adjuster Training – What is Necessary?

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A Claims Adjuster is someone who investigates insurance claims. Job duties include reviewing applicable documents such as insurance policies, receipts for lost or damaged property, interviewing claimants and witnesses, and an on-the-scene investigation of losses.

While the first step in becoming an insurance claims adjuster is to obtain a Florida All Lines License, those considering becoming an adjuster often have questions about what type of additional training, other than licensing, may be required to obtain a job. The simple answer to that question is often ‘none’.

Insurance and adjusting companies have extensive internal training programs for new hires. The training usually includes classes on claims software and claims handling procedures. Therefore, someone considering entering this field for the first time should be cautious about spending money on Xactimate or other claims training classes offered by independent providers.

Florida has recently seen trainers coming in from other states, particularly Texas, offering classes that can cost between $500-$1000 for pre-licensing and software training. Unfortunately, many companies do not use the software the students will pay for. In addition, some of the courses are advertised as accredited for Adjuster Continuing Education.

NOTE: A Florida resident cannot receive Adjuster Continuing Education credits before becoming licensed as a claims adjuster. In addition, the CE credits advertised are for Texas, not Florida!

The bottom-line is that prospective adjuster students should proceed very carefully before spending money on any training other than licensing. A Florida All Lines license is the key that opens the door to the adjuster job market.

What Type of All Lines Adjuster License Is Available?

The 5-20 All Lines license is the Independent adjuster license. This is the license that is available to a new applicant who is not employed by an insurance company.

The 6-20 All Lines license is the Company adjuster license. This license is only available to insurance company employees.

The 3-20 All Lines license is the Public adjuster license. A Public Adjuster represents property owners against insurance companies. As of January 1, 2009, all PA candidates must serve a 12 month apprenticeship under the direction of a licensed public adjuster before taking the state licensing exam.

The All Lines 5-20 and 6-20 licenses are available without taking the state licensing test by ‘designation’. The Accredited Claims Adjuster Designation is a course that exempts or excuses the student from the state test. For more information on the licensing designation Google ‘UCF Adjuster Licensing’ and review the information you find.

What Type of Work Experience Do Insurance Companies Look for When Hiring Adjusters?

The type of work experience that insurance or adjusting companies look for depends on the type of adjuster that is being hired.

If a company is hiring Catastrophe adjusters, typically those with construction or auto body experience are going to be first-in-line for the job. Catastrophe adjusters go to the scene of a hurricane, tornado and flood to adjust property claims. Often these adjusters are also flood certified by the NFIP (National Flood Insurance Program) and may have extensive training in other areas as well.

If you are interested in becoming a CAT Adjuster read ‘Catastrophe Adjuster Training’ on Ezine.

If a company is hiring an inside adjuster to take and process claims, often no prior experience is required. This is a customer service oriented job so good communication skills are a must. The company will give you substantial training when you are hired.

Other types of background that may be helpful in landing a job as an adjuster include paralegal training, business law courses, negotiation training, engineering or mechanical trades, and a financial background.

In summary, to become a Florida claims adjuster you must obtain a license. Be very careful before you spend any additional money on outside, independent training courses!

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Source by Michael Birzon

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Installation Tips And Advantages Of Telephone Cables

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Telephone cables are generally installed by telephone department staff members efficient in installation work. Installation of telephone cable up to the outer walls of buildings is generally treated as telephone network of the telephone department. Here we shall look at installation of telephone cable inside the building.

Things Required To install perfectly we require some basic tools such as a good quality cable of required length and durability, required number of wall jacks, screw driver, wire stripper and one drilling machine for making holes into the walls.

Things to Consider While Installing:

There are different points of connections while spreading the cables. Firstly, the telephone cable connection from telephone network point of your area to the main jack box of the building is to be connected, which is the duty of the telephone department. Then the connection is to be made from this main phone jack to the portion of your home or flat’s exterior wall. Many building owners are conscious of providing for telephone connections without damaging the decor of walls by providing the phone jack points at the time of construction of the building itself. So the jack might already be there.

When you are fixing the wall jack, make a small and sufficient hole with the drill in the wall, at the point where you wish to fix the jack. Then draw the cable from the main jack of the building to this point of jack. Connect the exterior end to the main jack of the building cautiously and carefully by stripping the cable end with the help of stripper.

While connecting the points, you may get current shock. So better use leather hand gloves and wear shoes, while doing the work. The other end of the telephone cable which has been drawn through the hole is also to be stripped and then connected to the wall jack securely tightening the tips to the screws with the help of screw driver. Then fix the wall jack into the hole. Make sure that the surface of wall jack is parallel with the surface of the wall so that decor of the wall is not tarnished.

Now connect the cable from the base of the phone to the wall jack with a plug. One end is connected with the phone base and the other end with wall jack. Both end tips are first stripped like wise and then tightened with screw driver to the pin plugs and inserted into the sockets of phone base and wall jack. Check the connections of the base phone to phone receiver and handsets also. Ensure all connections are fastened tightly and your phone is ready.

Advantages of Telephone Cables:

Using of telephone cable ensures safety. These are very easy to spread wherever needed without the danger of current shocks. They are very flexible and durable and do not easily damage even if twisted or entangled. Moreover, telephone cable is water proof and so a very safe option as against other wires.

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Source by Anamika Swami

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Grounds for Hiring Professional Moving Companies

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If are planning to have an easy move while at home or in business, it is advisable to hire the services of a professional moving company. Fortunately, they are many reliable movers in the market who can handle any move – local, long distance, commercial or residential moves – efficiently and professionally. They will make sure your expensive furniture and grand piano gets to their destination in perfect condition. Furthermore, if you have many fragile valuable, hiring a moving company, as opposed to asking friends and family to help, can pay off a great deal. Professional companies often come with insurance, which means if any item breaks, they will compensate you.

· Equipment

Professional companies are recommended because they can guarantee a safe move. This is often made possible by the specialized equipment and trucks they have to assist with packaging, lifting and loading all types of items, including bulky goods. They possess the necessary skills to handle interstate or long-distance travels, which often require large trucks to accommodate their customers’ belongings. By shopping around, you will discover several companies which offer larger trucks for much less. Instead of hiring a mover that is not well equipped to handle large jobs, find a provider that specializes in long-distance moves.

· Experience

Every move is different. Therefore it is important to hire a moving company that has the necessary experience in using different methodologies. A professional company often has a defined policy that provides for every moving job, from the most common jobs to the most complex projects. No matter where you are moving, good movers will do everything within their capacity to make your relocation as smooth as possible. Cross country moves can be exceptionally complicated; hence it is important to use the services of a professional.

· Competitive rates

In addition to moving valuable items efficiently and effectively, the right relocating company has a reputation of affordable rates. To get affordable, high-quality options, it is advisable to compare multiple moving quotes. Quotes are often facilitated based on the customer’s personal needs. Gas prices seem to be rising every other day, but you can save on gas, as well as mileage by hiring a mover for just a fraction of the cost. If you cannot afford full service, many of the professional moving companies offer partial services, which allow you to handle the packaging while they do the rest (i.e. loading, transport and unloading). Some companies also rent their trucks, saving you up to 25% on long-distance relocation.

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Source by Sila Rodney

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When to Use Personal Finance Services and How to Find Them

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Becoming efficient and wealthy will require the use of personal finance services and professional help to manage your finances effectively at some stage in your life. Managing your savings and Investment plans, debt management, taxes and money are all part of financial administration that can be overwhelming. There are times when using services rather than managing your finances on your own is a wise idea.

There are situations when people get occupied with mountain debt and finance problems that could not be remedied in the course of cost cutting and extra jobs, but require you to use a service or agency to help you manage what you have. Such scenarios like divorce, a long-lasting period of unemployment, unexpectedly huge medical bills, mortgage companies threatening to foreclose on your home etc will require expert help to not only navigate you out of trouble but also take some stress out of your life.

These are horrible problems no one liked to get involved with and regardless of how hard you have tried, you have made little development in looking to find better solution to it. Before you get stressed out, a personal finance service can lend a helping hand to you.

There are financial help services capable of working with your creditors and get them to reduce interest, cycle accounts to get them current, and amazingly get your payments reduced. The approachable staff at these relevant agencies is knowledgeable in all areas of finance, and they can possibly find better solutions to your debt problems that are 99% does not engage in bankruptcy.

Below are lists on how to find personal finance services at your best.

First, get in touch with a company through a professional relief network. All the firms which have delivered state of the art results are listed with these networks. Thus, stop wasting time in searching on the internet. Personal finance companies capitalize on the recession conditions. To compare debt settlement companies it would be sensible to visit a free debt relief network which will locate the best performing companies in your area for free.

Second, look at the advantages and disadvantages of each one of them and see which one will help you the most. So how can you ensure yourself from legal and illegal firm? The focus here is on the word legal. If the firm which you have chosen is not listed with a particular network, it is illegal. This is a very important way to identify scams and it will save a lot of money as well.

Third, If none of these agencies suites your taste in managing your personal finance, it may be time to consult with a professional personal finance expert. He or she offers a free initial consultation. However, as a client you need to bring relevant resources and information and remember not to hide any debts record. The personal finance expert will review your information and advise you on how to best proceed.

You might wonder what to do and where to begin. If you decide to seek financial, it is essential to so your research on the various options. And of course the internet is always a place to start. As a general rule of thumb seek out 10 companies or websites to view, interview or research each one to narrow down to three services then seek references or testimonials from the three personal finance services you have chosen.

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Source by Janet Jeffreys

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Old English War Poetry

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The First World War was a dreadful waste of approximately 9 million young lives. With this loss comes a sadness and inability to understand simply, why? Two young poets of the day, Rupert Brooks and Wilfred Owen became victims of this war, but before they died they used their pens to leave some lasting testament of what went before. This article briefly describes how two gifted writers came from different worlds to ultimately meet the same fate.

On the 11th November 1918, in Shrewsbury England the bells rang out to celebrate the Armistice and end to the first world war, happiness rained throughout the county until a door knock was heard and a telegram passed, the smiles on Mr & Mrs Owen faces sank as they read how their poet son Wilfred Owen had been killed in battle at Sambre Canal. But Wilfred hadn’t even joined the armed forces in the April of 1915 when Rupert Brooke another famous war poet was killed and their worlds of poetry and life couldn’t have been more different before the carnage of “The Great Folly” brought them both into the world of needless death and slaughter.

Rupert, born in Rugby, England was a man of boyish good looks and charm which prompted the Irish poet William Butler Yeats to describe him as “the handsomest man in England”. After winning a scholarship to Kings College in Cambridge Rupert became an active member of many drama groups and writers clubs and soon became a man adored by many, some for his talent and some for his good looks, Virginia Wolfe once boasted to have gone skinny dipping with Rupert and his society was generally much sought after. He was however a man confused by his sexuality and took to travelling throughout parts of the United States and Canada writing travel dairies for the Westminster Gazette. On his way back to England via the long route he settled on a Tahitian Island where he fathered a daughter by to a local woman with whom it was said that he found his most complete emotional relationship, but still his wonder lust had him move on. Back in England he became romantically involved with a number of notable actresses of the time and when his writings turned to war poems he came to the attention of Winston Churchill who commissioned him into the Royal Navy Volunteer Reserve. At the age of 27 years, Rupert took part in the Royal Navy’s Antwerp expedition in October 1914 to be followed by a voyage with the British Mediterranean Expeditionary Force on 28th February 1915 but was bitten by a mosquito and the resultant sepsis infection resulted in his death on 23rd April 1915. His body was laid to rest in Skyros Greece at a site chosen by his friend and writer William Denis Browne who later wrote of Brooke’s death.

It was in the September of this same year of 1915 that Wilfred Owen, then a teacher in continental Europe took to visiting the wars wounded in a local army hospital and was deeply affected by their tales and condition. He was only 22 years old himself when he decided to enlist in the British Army and in a statement in September 1915 he said “I came out in order to help these boys, directly by leading them as well as an officer can; indirectly, by watching their sufferings that I may speak of them as well as a pleader can. I have done the first.” Owen was sent home injured in March 1917 but returned to the front lines in August 1918 where he was killed soon after. Rupert Brooke and Wilfred Owen both entered the first world war for their own reasons but their writings and poetry live on as a testament to their common dread of what was then thought as modern warfare.

I cannot pretend to be capable of writing anything as emotionally charged as their individual works and so recommend as a true ending to this piece you click on the internet to read the following two poems.

Rupert Brooks – The Soldier.

Wilfred Owen – Dulce et Decorum est ( the old lie ).

Point of note:

In Westminster Abbey, Poets Corner, stands a slate monument which commemorates 16 First World War poets which include Rupert Brooks and Wilfred Owen, whose work is also inscribed as follows:

“My subject is War, and the pity of War, The Poetry is in the pity.”

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Source by Hobson Tarrant

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Lung Cancer Rates Among Women On the Rise

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New figures released by the charity – Cancer Research U.K., indicate the contrasting trends in smoking between men and women have caused a sharp increase in lung cancer cases among women. The actual figures show a 73% rise for women, and a 47% decrease among men since 1975 (men who smoke have been on the decline since the 1950s [women who smoke did not start to drop until the 1970s]).

Other startling figures released were as follows:

  • U.K. lung cancer rates have fallen (overall) by 20% since 1975.
  • 2011 annual figures were around 43,500 cases (23,800 men, and 19,700 women).
  • 35,200 moralities (19,600 men, and 15,600 women [same 2011 period]).
  • Women – 41 in every 100,000 suffer from lung cancer (up from 23 in every 100,000 in 1975).
  • Lung cancer is the second most common cancer in the U.K. (breast cancer being in the number-1 spot).
  • Lung cancer in now the number-1 cancer killer in the U.K., which kills 50% more sufferers than the second most diagnosed cancer – bowel cancer.
  • 87% of all cases diagnosed can be attributed to smoking.
  • Less than 90% of sufferers will be alive 5-years after diagnosis.
  • The north of the U.K. tends to suffer from the highest rate of diagnosed cases, whereas the lowest rates are to be found in the east, south-east, and the south-west of the country.
  • In Scotland, diagnosed cases among women have almost doubled during the past 40 years.

Conclusion: Lung cancer still remains to be one of the biggest challenges of the 21st Century – with the lack of awareness (or understanding) to the damages that smoking can do to an individual, and the economic/social problems that many individuals in the U.K. suffer – still considered to be the two main reasons behind this new increase in cancer related disease.

These newly released figures can only be a stark reminder as to the problems that still exist, and the up-hill battle that still remains in combating the disease. Smoking still remains to be the No.1 self-inflicted DEATH SENTENCE in the U.K., and the world as a whole.

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Source by Philip A Edmonds-Hunt

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Fax Receiver Appliances Make Your Received Fax Documents Arrive In Your Email Inbox

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Are you wasting money on paper and toner from SPAM faxes and your colleagues time to look at them? A Fax Receiver Appliance could be the answer to saving cost and speeding up workflow.

The era of the fax machine is coming to an end, but not so quickly. Fax machines are still used to receive faxed orders or requests from customers.

Instead of having to maintain a whole PC with virus checker, an uninterruptible power supply that has to be replaced every few years and other support costs, a Fax Receiver Appliance connects directly to a phone line and to the Ethernet Network, converting incoming faxes directly into a PDF email sending it to a mailbox of a mail server.

A Fax Receiver Appliance reduces direct waste significantly and often produces a return on investment of less than a year. This is based on approximately 20 SPAM faxes a day @ 0.08 cents per page for 365 days a year totals a direct saving of US$584 per device.

Indirect savings from personnel no longer looking and evaluating advertising in the fax machine is likely to be even higher.

Faster workflow as the documents no longer need to be collected from the machine but arrives immediately in the administrators email inbox. Email servers can be set up to copy more than one person, so emails may be picked up while on the move.

A Fax Appliance may be located more securely in the Telephone or the Computer Room, away from everyday hazards or mal-intent.

Each page is an attachment in the email that can be easily re-distributed or used for input into other applications.

Further saving come from the device’s very low power consumption and high reliability as there are no moving parts to be maintained or paper to be supplied. On average only 20% of business communication in electronic format is actually printed out which brings further savings.

A one-time setup of the fax appliance will run for a lifetime without maintenance unless you change the email server address. Parameters are stored permanently in Flash Memory and the power-up sequence is less than 10 seconds. Remote management via Telnet with login and password protection allows management in any networked environment such as Windows®, Unix® or Apple®.

A Fax Receiver Appliance is always ready, not dependent on operating system upgrades, virus checkers like a PC based or Multi Function Copier based Fax solution that require maintenance and a lot of power. When your company has mainly incoming faxes and does not want to rout a fax line to every Copier / Printer a Fax Receiver Appliance is the most cost efficient solution.

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Source by Klaus Bollmann

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Sweeping-Emotional Cleaning Metaphor

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The art of sweeping our home, patio or porch has been replaced by the efficient-albeit noisy-indoor/outdoor vacuum cleaner. In many cultures and religions, sweeping these areas is considered an important cleansing ritual that prepares the ground for new energy to flow on every level-physical, emotional, mentally and spiritually. In fact, it is employed to sanctify a space to prepare for a ceremony. This seemingly simple action has the power to clear away the old and make space for the new. It stirs up the energy, clearing out the astral buildup that is the natural occurrence with the presence of humans.

Sweeping each morning prepares the area for the new day at the same time it deepens our awareness of the importance of letting go of the past to welcome the new. As we clear the energy in our space, we clear our own energy system. In addition, sweeping is a metaphor for clean, clear and open to all who enter. This activity can be performed without needing to think about its execution. However, as you sweep, think welcoming thoughts to manifest what you desire for the day. Instituting sweeping as part of your daily ritual will tune you into the continuing cycle of releasing the old and welcoming the new that is the hallmark of a healthy energy system.

Metaphorical sweeping is not about cleaning the area of dust. The broom does not need to touch the ground to be effective. Consider having two brooms, one you use for cleaning dust and dirt, and one you use for energy clearing. If you are inspired, you can decorate the energy clearing broom, painting it several bright colors, decorating it with ribbons or gemstones, or other creative adornments that appeal to you. You can also make a broom out of tree branches and twigs, or choose a natural broom from nature, such as a pine bough.

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Source by Dorothy M. Neddermeyer, PhD

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Choosing the Right HVAC System For Your Project

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HVAC stands for heating, ventilation, and air conditioning. These systems provide the indoor climate control for both residential and commercial buildings. When it comes tothis, one size does not fit all. As a matter of fact HVAC systems can be quite complex. Determining the right type of system for your home or building is extremely important for the system to heat and cool effectively and to be energy efficient as well.

HVAC systems come in many types and applications. They are classified as either central or local. The central air conditioning and heating system provides the necessary heating and cooling and ventilation from a central location in the building such as from a boiler or furnace. It works by circulating heated water or steam through piping or ductwork to achieve heating and cooling.

Central air conditioning units use a compressor and a condenser unit that uses a refrigerant or coolant such as Freon. The refrigerant is circulated through copper tubing. The refrigerant absorbs the heat, turns to vapor, travels to the compressor, and moves to the outdoor coil where the heat is forced out. Then the refrigerant passes through a device where it is converted to a low pressure, low temperature liquid and returned to the indoor coil. The cool air is then circulated through the ductwork to provide cooling for the structure.

Local HVAC systems are devices that provide heating and cooling to immediate areas or rooms. They do not circulate throughout entire structures. Local HVAC systems may include wood or pellet stoves, window air conditioners, and space heaters. Electric baseboards are also considered to be local HVAC systems if the unit is installed into a single area.

Determining which HVAC system is right for you and your needs should be determined by an HVAC professional in order for you to get the maximum benefits from the system. A qualified and certified HVAC contractor will determine the type unit that is best for you and will install the unit in the proper place so that it will meet your cooling and heating requirements.

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Source by George Chappell

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Best Health Tips Ever

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Thousands of books have been published and millions of articles have been written about weight loss as everyone seems to be singing the same mantra. It gets difficult for the reader to assess the credibility of the various weight loss programs that can be found both offline and online. Therefore, no more space or time is going to be wasted in writing down another version of the best weight loss diet. Here, you are only going to find the best health tips that you can rely on.

The health tips mentioned here are logical and they work best with everyone (excluding people with serious illnesses and those who are on high medications). These tips are simple advices to make your life a healthy one and are about ways to exclude harmful elements from your life. So let’s begin,

· One of the best health tips that anyone can give you is to correct your eating and sleeping routine. You might not believe it to be important as long as you are completing the 8-hour count, but it is true. There is no harm in late-night partying once in a while, but you must try to build up a daily routine where you go to bed on time to get a fresh start for the next day.

· Secondly, drink plenty of liquids. The liquids that are referred to here are water and fresh fruit juices or smoothie and not the artificially flavoured concoction found in tetra-packs. Our body is mostly water and as such it can be rightly named as the primary fuel of the body. Once you start drinking the required amount of water, you are going to note that you have become more agile and that you don’t tire so easily. Moreover, it is also going to fill up the space in your tummy, leaving out less room to put in the junk. But there is another significant benefit of drinking good amounts of water and that is that it allows and facilitates the flushing of toxins from the body which can become the number one cause of fat storage.

· Thirdly, you must remember that you should treat your body with fresh food substances instead of going for the processed and ready made ones. Consider it as a bar of standard, the fresher and more organic food, you eat, the more benefits you gain and if you go for packaged and tinned foods to which many chemicals have been added then you are going down the line to destructive health. So, consume more fresh fruits and vegetables and go for beans, nuts and lentils instead of opting for boxed cereals and microwave meals.

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Source by Muhammad Ali Butt