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Insurance:Home Owners Renters Articles from

Published: Sun, 19 Nov 2017 10:56:54 -0600

The Importance of Knowing Your Home Coverage

Fri, 10 Nov 2017 07:49:40 -0600

When you're searching for homeowners insurance there are a few things that are a must have for almost every homeowner. Insurance policies differ vastly, do you have the one that's right for you?

Why Renters Also Need Insurance

Fri, 10 Nov 2017 07:49:38 -0600

In America, only about 41% of people who rent have renters insurance, which is about 45 million people. Do you know the importance of having renters insurance and how much it will cost you?

Common Questions About a Home Insurance Claim

Mon, 23 Oct 2017 15:22:00 -0500

For the unfamiliar, the insurance claim process is quite confusing. Here, we bring a scenario involving a homeowner's wish to have a claim processed along with the most common questions posed to the professionals. It is our hope that through the dissipation of these along with the answers, the topic will become clearer and the process will not be seen as daunting.

Get Affordable Home Insurance in Calgary

Sat, 21 Oct 2017 09:44:23 -0500

There are many reasons to get home insurance in Calgary. First of all, you want to make sure your house, cottage, or tenancy is covered for damage, theft, and flooding. Secondly, you want to know if you are overpaying for home insurance, and if you are, you want to know if you have access to a more affordable insurer. We can help you connect with a live insurance broker who will give you the information you need for home insurance in Calgary. You can also request a quote from at least 10 Canadian home insurers, so you can compare rates.

All You Need to Know About Affordable Home Insurance in Edmonton

Tue, 17 Oct 2017 07:19:56 -0500

There are so many insurance companies on the Canadian market that choosing the right one among them brings some severe headaches, but you do not want to look at the happy faces of people who paid much less for their home insurance than you and have to face the fact that you could have made the same choice and saved a lot of money. The best thing to do is ask for help from an experienced insurance agent who will provide you with all the information about home insurance in Edmonton and make sure you get a quote from at least 10 Canadian insurance companies.

5 Myths About Home Insurance Demystified

Sat, 09 Sep 2017 09:43:02 -0500

Have you ever wondered which is worse? A devastating earthquake or picking up the pieces of life after surviving such an earthquake? Perhaps the second one requires more resilience and determination. It also requires the hand of providence and of-course good planning habits

Reasons to Avoid Mortgage Life Insurance

Tue, 05 Sep 2017 10:27:42 -0500

Often the terms "mortgage insurance" is thrown out by banks as a clever way to disguise what in essence is a creditor product with a declining benefit. Life insurance independently owned provides several benefits far superior to a bank owned creditor policy. Often times it not only provides superior flexibility, but actually costs less.

Where Can I Buy Coach House Insurance?

Tue, 05 Sep 2017 08:21:45 -0500

Who sells Coach House Insurance? Where can you buy a bespoke and specific policy to cover your coach house? No-one seems to sell Coach House Insurance? These are all questions we have heard before - and the good news - is that you CAN find it!

Preparing for Tropical Storms and Hurricanes: Are You Ready for The Season Within The Season?

Thu, 31 Aug 2017 09:14:02 -0500

Hurricane Season may officially start on June 1st, but there's a period of peak storm activity that doesn't come until later. It's known as the season within the season, and it's on the way.

Frequently Asked Questions About Roof Replacement Insurance Claims

Wed, 09 Aug 2017 14:54:42 -0500

Your homeowners' insurance company has a set procedure for replacing roofs that have been damaged or totaled. Be sure you educate yourself on the more important aspects of filing a roof replacement homeowners insurance claim.

What Type of Insurance for Mudslides?

Tue, 18 Jul 2017 14:35:41 -0500

For the uninformed, mudslides are muddy piles that slide down a mountain or hillside or any vertical slope. Composed of mud, stones and rocks as well as general debris, it can cause much damage to homes and property as it journeys downward. With the force garnered by gravity, a mudslide can rip out trees, power lines and anything in its path. Mudslides are not covered under a standard insurance plan.

Why Trampoline Fun May Not Be Insured by Your Homeowner's Policy

Mon, 17 Jul 2017 11:44:03 -0500

What could ever be wrong with some good old fashioned fun? The question apparently has been turned around by every angle by the insurance industry. When it comes to fun with a potential for danger, the experts say, the risks may be too great for a related company's likings. So, trampolines - that device that allows your kids to jump until their energy is spent and then go for some more - may actually not be in the terms and conditions of your home coverage policy.

How Insurance Customers Can Save on Home, Car and Boat Coverage

Tue, 20 Jun 2017 07:50:06 -0500

For the average person, home and car expenses are enough of a headache. When insurance policy premiums join the list of associated costs, the payout hassles become even more of a colossal hassle. You may think there is no alternative. However, you do have an alternative! Learn about bundled insurance and see how multiple bills can evolve into one cheaper invoice!

How to Protect Family and Property From a Hurricane

Thu, 15 Jun 2017 15:18:20 -0500

According to the weather specialists, hurricanes can appear anywhere from June 1 to November 30. Given the statistics of damages and losses, it's exceedingly wise to incorporate the proper steps that help stem related devastation to human life, home, business, car and any other property you own. Follow the guidance of insurance professionals on how to avoid mishaps.

Where the Wind Blows: Weather That Results in Insurance Claims

Sat, 20 May 2017 09:07:00 -0500

With nationwide claims related to home or business damages and auto collisions resulting from the varied conditions - anything from floods and tornadoes to hail and wind storms - attention certainly has been focused on the climate. A concisely written article, therefore, concerning weather and the related effects on liability and safety would seem in order. And here you have it, folks!

Home-Sharing Nightmares: Are Airbnb and Other Hosts Protected by Homeowners' Insurance?

Wed, 17 May 2017 12:51:23 -0500

If your home is listed with Airbnb or some other home-sharing service, there is something you should know. A standard homeowners' insurance policy may not protect you if something goes wrong.

Trees, Storms and Whatnot: The Inside Story of Insurance Coverage

Fri, 28 Apr 2017 13:14:07 -0500

All the beautiful trees and greenery inherent to this wonderful season of spring has another side to it. In fact, the other side of the story is precisely where your standard homeowner's insurance policy comes in. You see, home insurance is designed to include protection from trees that fall and hit your home or other structure included within your plan. So read on, folks, and learn about the shield called home insurance!

What You Need to Know About Opening Your Pool

Wed, 26 Apr 2017 15:29:25 -0500

For those pool owners that want to save money on the annual pool opening, those in the know (and many of them happen to be in the house and auto insurance industry) recommend certain proactive methods. Follow the pool opening guide in this article and summer swimming fun is yours to enjoy!

Air Conditioner Maintenance - The How to Do It Guide by Homeowners Insurance Folks

Fri, 21 Apr 2017 09:00:34 -0500

How can you prevent your air condition system from breaking down - especially at times when you need it the most? Your surest bet is by "taking the bull by the horns". Begin a maintenance program that is consistent as it is proactive, say the cooling experts who are in the know. This easy to follow guide tells you how.

Reconstruction Costs

Tue, 11 Apr 2017 13:45:20 -0500

Have you done a major renovation to your home lately? If you have, it will likely affect the reconstruction costs associated with rebuilding your home and it is a recommended time for a conversation with your insurance professional.

What Can A Loss Adjuster Do For You?

Mon, 20 Mar 2017 14:24:58 -0500

A loss adjuster is often associated with the insurance companies themselves and can be seen as a go between for the insurer and the policyholder. These loss adjusters could not have your best interests in mind - what if you had a loss adjuster who worked to protect your interests?

More Than Landlord Insurance: Dealing With Tenants

Thu, 22 Dec 2016 09:51:22 -0600

Yes, landlord insurance is absolutely necessary. It's not the only this that will protect the landlord from needless aggravation and monetary loss, however. This primer from the insurance experts gives the property owner the tools to deal effectively with his or her tenant. A must-read for anyone that rents out a home, condo or land!

Home Protection: More Than Your Insurance Policy

Thu, 15 Dec 2016 09:05:26 -0600

Although homeowners, condo owners, landlord and renters insurance provides peace of mind against damages and losses, the insurance companies advise proactive activity to deter burglary and vandalism. See why the claims professionals tell us to keep outdoor lights on - and in some cases off!

Is Your Smartphone Covered by Homeowners Insurance?

Mon, 12 Dec 2016 09:25:43 -0600

In today's world, all the technological stuff is very important to us. Imagine if your cell phone was stolen - or any of the other devices you value. What if one or more were damaged? The cost to replace one or many is high. Doesn't it make sense to have insurance for these electronics? You'll be pleased to discover you probably already have them covered under your homeowners or renters policy!

Becoming a Licensed Insurance Adjuster

Tue, 06 Dec 2016 07:32:15 -0600

This is a professional who studies their client's damaged property to write up reports, make estimates, and analyze information. Some of the duties of an insurance adjuster can include: • Deciding if their client's polices cover the damages they are filing a claim for • Evaluating property damage • Talking to the police and witnesses • Estimating loss amounts • Researching and writing reports • Verifying information with insurance agents • Analyzing information that is related to the claims • Meeting with lawyers • Testifying in court...

Insurance Tips for Homeowners

Fri, 02 Dec 2016 09:03:48 -0600

When you own a home then you understand the necessity to own a home insurance, as it makes you feel mentally secure in case a calamity hits in but before you decide on selecting and finalizing from the wide range of insurance policies and you need to talk to the agents personally before you are thoroughly convinced what works for you. Anyone can be struck by a calamity at any time and it will make him lose his mind completely as this peace of mind is much more important compared to the amount of money you are...

4 Mistakes To Avoid When Buying An Insurance Cover

Mon, 28 Nov 2016 08:56:56 -0600

Every car owner knows that he/she needs an insurance policy. Unfortunately, studies show that many people make mistakes when they are buying their policies. The most common mistakes include:

Is Installing A Home Security System A Clever Way To Lower Your Home Owner's Insurance?

Mon, 07 Nov 2016 11:26:21 -0600

Did you know that by simply installing a home security system in your home, you can lower you home owner's insurance by up to 30 percent? It can also help protect you and your loved ones.

How Your Homeowners Insurance Protects From Halloween Liability

Thu, 03 Nov 2016 10:28:13 -0500

Halloween is a lot of fun - most of the time. For homeowners, renters and landlords that face the ramifications of liability for related losses and damages, there's another story. Fortunately, homeowners and renters insurance covers many of the risks. Read the insurance claim examples contained within this article to discover the importance of adequate coverage.

Fire Prevention Tips Highlighted by Homeowners Insurance Experts

Mon, 31 Oct 2016 10:23:15 -0500

Say goodbye to summer at last as fall's reliable chill has returned. With the flick of the heater, comes hazards that homeowners would do well to recognize. Prevent fires by following these simple guidelines by the home insurance professionals!

What's With All The Different Types Of Insurance I Have To Buy When I Purchase A Home?

Mon, 17 Oct 2016 08:12:09 -0500

Okay, so, you didn't set out to become an insurance expert - all you wanted to do was buy a house, after all. Yet, in the process, you ran up against at least four different types of insurance - and these are just the mandatory policies.

It's Not All Fire and Flood: You'd Be Surprised What Your Home Insurance Covers

Wed, 07 Sep 2016 09:15:21 -0500

Although people often think of home insurance as protection against natural disasters, most policies cover costs related to a variety of potential incidents. Coverage can include dog bites, riots, attorney fees, and accidents.

The Little Extras on Your Homeowners Insurance!

Tue, 23 Aug 2016 15:23:14 -0500

Everyone understands that a standard homeowners insurance policy is a more basic plan. Policyholders therefore may be pleased to discover that it includes protection for some of the lesser known losses and damages. In this easy-to-read article, the general terms are spelled out.

5 Questions to Ask Before Purchasing Home Insurance

Mon, 15 Aug 2016 10:59:02 -0500

Your home is likely your most valuable asset, so protecting it just makes sense. As such, you can think of your homeowner's insurance as an investment in protecting your financial future. Before you buy a policy based solely on premiums, ask your insurance provider these five questions to make sure you're getting the coverage you need.

What You Need to Know About Condo Insurance

Thu, 11 Aug 2016 15:52:39 -0500

The condo owner, like the home owner and renter needs specifically tailored insurance. This article deals with the particular risks related to condominium living and what type of policy covers a condo owner's liability.

Hail Damage Insurance Claims

Mon, 08 Aug 2016 08:35:55 -0500

When a homeowner gets a home they will put homeowner's insurance on the home. Check to make sure that hail damage is covered. Many times it is easier to file a claim for hail damage than it is to be compensated for the damage or to have the damage fixed. If there was a big hail storm or the hail was large you should have a professional come to inspect your roof to see if there is any damage.

Reasons To Reconsider Buying Mortgage Protection Insurance

Fri, 29 Jul 2016 13:41:00 -0500

Mortgage protection insurance is sold for only one purpose: they pay the mortgage lender in the event of the policy holders death, disability or job loss. There are good reasons to not buy an MPI policy, and often level term life insurance is a better option.

Homeowners Insurance: Does It Cover Bedbug Damages?

Thu, 28 Jul 2016 08:37:27 -0500

When one man slept over at a friend's house, little did he realize that he would be taking home some unwanted little souvenir guests. Only after time, did he understand the incessant itching on his arm needed medical attention. What the doctor's told him almost blew his mind: he had a bedbug problem! Follow along and learn as this man had that a standard Homeowners Insurance policy does not usually cover the damages from bedbugs while discovering how to avert future related losses!

Earthquake Insurance for the Affluent

Fri, 15 Jul 2016 12:34:14 -0500

If you have significantly paid down your home loan and live in an earthquake state, you should now reconsider earthquake insurance. Home Insurance Does NOT cover you from the peril of earthquake. Thoughts on self protection vs. Insurance. Why ignoring the issue will not help your financial situation.

How to Stop Homeowners Insurance Claims by Forming a Neighborhood Watch

Tue, 12 Jul 2016 15:14:10 -0500

Minimize your risk of theft, vandalism and other crimes by instituting something that has been existence since the early days of American civilization - the neighborhood watch! When citizens band together to form a united front against criminal activity by becoming the eyes and ears of law enforcement agencies all residents benefit. Follow the key steps in this article to ease your way into the organization of this vital service!

Tips for Leaving Your Home Unoccupied Whilst You're Away

Wed, 06 Jul 2016 10:49:49 -0500

If your next holiday is all booked and the excitement is brewing, it's important to take the right steps now to guarantee that your home will be left at a high standard before you set off. We've come up with a checklist so that you can truly relax and not have any worries about your home whilst you're away.

5 Tips for Home Insurance Discounts

Tue, 05 Jul 2016 06:21:36 -0500

There can be big swings in the amount you pay for home-owners insurance coverage, by as much as 100's of dollars per annum. This largely depends on factors such as the plan you want, where you live and the company offering the cover.

Why Solar Panels May Affect Your Homeowners Insurance Rates

Wed, 29 Jun 2016 08:13:46 -0500

Installing solar panels onto your home can save you big dollars on your electric bills. Before tapping into the innovation, however, be sure to do the research that will confirm your benefits. In addition, make the appropriate inquiries as to how installing solar panels will impact your homeowners insurance coverage.

Do I Need Extra Coverage on My Homeowners' Policy If I Have a Pool?

Thu, 09 Jun 2016 13:15:27 -0500

Having a pool is a dream for many homeowners. After all, a pool can be the main attraction for families during their summer vacation. However, swimming pools and hot tubs are considered an attractive nuisance because of the increased chances of injury or death linked to pool accidents.

How A Smart Home Security System Is A Smart Move For Your Safety and Your Wallet!

Fri, 03 Jun 2016 13:50:13 -0500

When most of us think of home security we think of money going out the door and not very often do we think of money coming back in. Well that thought process could change once you find out how a home security system can save you money!

Your Homeowners Insurance May Not Cover Woodpecker Damage

Wed, 25 May 2016 07:39:26 -0500

When one former city dweller encounters small town living, she is surprised that one element of nature has piqued her ire. The woodpecker, as lovely as it looks, is as annoying as being woken up in the far-too early hours of the morning - and some. When Amy ultimately discovers serious home damage as a result of the incessant pecking, it is too late for insurance compensation. Her homeowners insurance policy in fact does not cover the liability!

Does Your Homeowners Insurance Cover Dog Bites?

Mon, 16 May 2016 14:17:22 -0500

Spot sits. Spot rolls over. But does Spot bite people? Your dog could make you incur enormous liability if he or she behaves aggressively. Get to know your homeowners coverage and how it can or cannot help you in times of need in relation to your pet.

Homeowners Insurance Also Protects Against Wildfires!

Thu, 12 May 2016 13:47:53 -0500

It's not just any fire that you are confronted with - it's a wildfire! Read this informative article that spells out the basics in regard to coverage when disaster strikes you closer than you would have imagined!

What You Need to Know About Earthquake Insurance

Wed, 20 Apr 2016 08:23:07 -0500

True or false? Most US residents have nothing to fear in relation to earthquake damage. If you are like most homeowners you will have opted for the false selection. Guess what, though? You are wrong. Thirty-nine of US states have earthquake risks. Learn about the phenomenon and about the inexpensive option of earthquake coverage that gives you the peace of mind that comes with the knowledge that you will be protected should related losses and damages actually occur.

Cash Settling Post-Disaster: The Pitfalls

Mon, 18 Apr 2016 13:44:48 -0500

Experience shows that homeowners have no concept of the time involved in the preparation work required to get a house to the "on site builder's hammer" stage. For the homeowner there is a major risk of unfunded cost overruns as repairs or rebuilds (in contradiction with the policy terms and principals of Insurance settlement) are being scoped to a "notional" claims position rather than actual cost.

The Benefits of Group/Class Actions in the Insurance Arena

Mon, 18 Apr 2016 13:42:59 -0500

After the Canterbury earthquakes in New Zealand in 2010-2012 many policyholders are still waiting for their insurance claims to be settled. Due to the outrageously high costs for the average individual to access justice and the time taken for a case to be heard - representative and group actions are becoming more popular. Class and representative actions have the potential to effect massive and much needed social change in an environment increasingly shifting in favour of corporate interests. Class action litigation allows individuals access to the courts by pooling a large number of claims which would not have been financially viable for the claimants individually and very importantly it holds the promise of a more level playing field on which powerful defendants (such as the Government, private insurers and banks) can be held to account.

Can A Dishwasher Repair Be Covered By Insurance?

Thu, 14 Apr 2016 14:49:46 -0500

If there is water damage in the kitchen it could mean that a dishwasher repair is needed. The insurance company may be willing to cover the damages in some instances, but not all.

Five Great Moving Tips From Insurance Pros

Wed, 13 Apr 2016 13:03:19 -0500

One of the exciting junctures in life certainly is moving into a new home! Contain the positive aspects of the big day by following these five tips compiled by the top insurance companies.

Does Homeowners Insurance Cover Termite Damage?

Wed, 13 Apr 2016 13:02:49 -0500

You've heard about termites and the home damage that can result, but like many others you don't think the horror will visit upon you. Read about someone who thought the same and not only suffered untold home damage but the tens of thousands of dollars in out of pocket recovery payouts because he did not have adequate homeowners coverage.

Four Unexpected Ways Your Home Insurance Can Help in Sticky Situations

Tue, 12 Apr 2016 06:26:14 -0500

Most people are aware that home insurance protects your house and everything in it. However, there are a number of unexpected situations when having good coverage can make a difference.

Common Insurance Misconceptions Regarding Hail Damage

Mon, 11 Apr 2016 07:22:59 -0500

Homes can be left destroyed after a major storm. Hail damage, in particular, can cause significant problems with the roof and other surrounding areas.

Insurance Companies Advice Against Wind Storm Damage

Wed, 06 Apr 2016 08:25:14 -0500

Unfortunately, homes and commercial buildings are not invincible. Wind storms and hurricanes can and do wreak tremendous damage, resulting in many hundreds of thousand dollars in losses. Learn how to protect your building from the potential ravages of Mother Nature's blowing forces with this insightful writing piece.

Remodeling Steps That Include a Review of Homeowners Insurance

Fri, 01 Apr 2016 15:11:10 -0500

Congratulations! You've decided to begin a home improvement project! Before you go about changing your living space to the desired look, review these great tips that will help get the job done right minus aggravation, mishap and loss of money.

Homeowners: How to Safety-Check Your Deck

Thu, 17 Mar 2016 15:29:47 -0500

According to experts' statistics, decks have a great risk exposure and are commonly associated with accidents that result in injury and even death. Before you celebrate the spring and summer by using your outdoor deck, inspect it for wood damage and safety efficiency by following these tips.

6 Ways to Save Your Home From Storm Risks

Thu, 17 Mar 2016 07:52:51 -0500

If you think your home worries are over just because the winter storms are with us no longer, think again. Spring and summer brings the potential of wind and storm damage that should keep you on your toes by implementing preventive measures. Read this article and see how you can save yourself the worry and financial loss of related woes.

Insuring Your Virtual Office

Fri, 11 Mar 2016 08:40:35 -0600

How to insure your virtual office can depend upon several factors. This article explores when your homeowners policy may have a solution for you.

How Umbrella Insurance Fills Your Liability Coverage Gaps

Mon, 07 Mar 2016 10:39:46 -0600

If you have a standard homeowners, auto or business insurance policy, your coverage is as good as your liability limits. If you exceed those, you may face out of the pocket expenses that can spell financial disaster! Discover the benefits of an umbrella plan and how you can escape the possibility of a personal financial tsunami by acquiring one!

A Different Homeowners Insurance: Tips on Reducing Your Heating Costs

Wed, 02 Mar 2016 09:10:56 -0600

You know there's more than one reason to give thanksgiving for a temperate winter. Besides the mild weather, you save a bundle on your heating bills. Face most homeowners and business owners famous quotes: "Regardless of the exceptional chill-less days, winter is when your heater goes into general overtime!

How to Protect Your Place in Central US From Tornado Risks

Thu, 25 Feb 2016 10:05:43 -0600

The central part of the United States is known to bear the brunt of tornadoes. If you live in places that include Texas, Oklahoma, Kansas, Nebraska, S Dakota, N Dakota, Iowa, Missouri, Arkansas and Louisiana you owe it to yourself to read these tips on tornado preparedness.

Landlord Insurance For Students - HMO

Mon, 08 Feb 2016 07:22:15 -0600

When a landlord lets a property to students, it can be referred to as a HMO - A House of Multiple Occupancy. This means that there are be more than 2 tenants who are unrelated.

How to Survive a Storm's Power Outage

Fri, 05 Feb 2016 13:27:59 -0600

Your home is the butt of many risks. One of the greatest concerns that homeowners face is a power outage. Find tried and true tips here how to prepare for the onslaught that a winter storm may bring in regard to losing electricity.

Why Some Types of Homes Are Difficult to Insure

Thu, 04 Feb 2016 08:51:51 -0600

We all look at life through different lenses. When it comes to insuring your home, you may be in for a big surprise because the insurance companies see risk for damages and losses when you may not. Find out why some houses are more difficult to insure than others in this intriguing piece on coverage for homeowners.

How to Better Deal With a Homeowner's Frozen-Pipe Risk

Wed, 27 Jan 2016 14:28:04 -0600

One of the biggest insurance claim risks for the homeowner is a frozen water pipe. Frozen pipes can easily burst causing thousands of dollars in damages. How do you know if you have a problem and what to do about it? Follow these tips for the homeowner like you.

What Do You Do When Cold Weather Causes Property Damage?

Tue, 26 Jan 2016 14:26:58 -0600

How do you prepare yourself for the upcoming winter storms that lay just ahead? This article will provide you with information on what you should do before damage strikes your home or business.

Research City Insurance Homes and Flooding

Wed, 13 Jan 2016 08:41:21 -0600

Flood insurance claims cost insurers billions of pounds, and this puts pressure on premiums. In some instance, insurers would rather not insure the most at-risk properties at all, but that would leave beleaguered homeowners stranded, in more ways than one, especially as it is virtually impossible to obtain or maintain a mortgage without having buildings cover in place.

Where's My Discount?

Mon, 11 Jan 2016 15:43:10 -0600

I know that you've seen it, "save 20%" on your homeowners insurance if you install our home security system. Let's talk about your need for a home security system. You need one

How to Escape the Tri-State's Winter Cold Without Damages

Thu, 07 Jan 2016 08:47:49 -0600

It's frigid outside and no wonder! It is winter, after all. Before escaping winter's cold by traveling south, learn how to maintain and protect your vacant NY, NJ or PA home with these easy tips.

Forced Placed Insurance Is Not For You!

Wed, 30 Dec 2015 09:54:45 -0600

There is a great temptation to believe that if you do not purchase Home Owners Insurance that the "BANK'S COVERAGE" will be a viable substitute. One of my biggest frustrations is that so many folks think that insurance agents are only trying to sell policies to rip them off. In June of last year, a gentleman who was frustrated with Florida's high cost of insurance informed us that the Bank had "Given" him coverage at one-third of what we were charging.

EVP - Protecting Your Family (and Property) From Mortgage Banks

Wed, 23 Dec 2015 11:46:14 -0600

Most people buy their residential property using a mortgage as a source of funding. While buying a property is an important decision, many fear that the commitment they make by taking a mortgage, will tie them to their property, without an option to just "walk away". A mortgage is usually taken for a large part of the purchase price, and for a long period of time. So what happens if you need to sell your property and the price you can get is lower than the money you owe? Equity Value Protection (EVP) addresses this problem.

Nothing Occupies Your Vacant Building, But Risk Exposure!

Wed, 23 Dec 2015 10:15:39 -0600

Some might imagine a vacant building to be devoid of risk, but nothing could be farther from the truth. A vacant building is more prone to damages and losses than an occupied home. Read about some true scenarios and the very real need to procure adequate insurance coverage.

Why a Deal, NJ Shore Area Homeowner Needs a Tailored NJ Homeowner Insurance

Thu, 17 Dec 2015 13:58:24 -0600

Every location has its unique liability risks. When Sheila bought a home in Deal, NJ, she knew she needed insurance that would cover for the distinctive risk exposure in the shore area. Consulting with an experienced independent agency made the process all the easier!

Are You a Tenant? Do You Have Renters Insurance?

Fri, 11 Dec 2015 10:30:59 -0600

Did you know that one of three tenants do not have renters insurance? Follow each line of reasoning for not acquiring adequate renters coverage and how it clearly is discredited.

Tips to Find Home Insurance at an Affordable Price

Mon, 30 Nov 2015 14:01:03 -0600

Buying Home insurance can always be termed as a good decision since it gives you appropriate financial cover in the event of theft, damage, robbery, earthquake, storm, or more. However, many people do not think of it as a necessity and often avoid purchasing it so as to save their money.

A Homeowner's Guide: Insurance Scores Explained

Thu, 19 Nov 2015 12:24:35 -0600

Why is it that two identical homes can have two very different premiums? Follow this interesting article about a common homeowner coverage dilemma.

What Not to Do When Hiring a Public Insurance Adjuster

Wed, 04 Nov 2015 08:29:03 -0600

You should be careful when you need to hire a public insurance adjuster. Read this article to learn tips on what not to do.

NJ Homeowner Insurance - Did You Know That Two Similar Homes May Need Differing Policies?

Mon, 02 Nov 2015 14:05:41 -0600

You are a typical NJ resident. You think all homeowner insurance policies are made up of the same stuff. You have a surprise coming to you. Get the facts that could make the difference between owning adequate coverage and having one that does not protect you enough.

Things to Remember When Buying Cheapest Low Cost Home Insurance

Tue, 20 Oct 2015 13:37:20 -0500

There are two aspects to home insurance, cover for damage to the building and cover for the contents and they can be bought separately or together. If you are renting rather than a home owner, you are most likely to only need contents insurance but it is wise to check with the landlord about the level of buildings insurance that they have and exactly what it covers, particularly for items provided by them inside the property, such as the heating system and kitchen appliances.

How Force Placed Insurance Can Save a Homeowner From Taking a Loss

Thu, 24 Sep 2015 09:19:54 -0500

There is no one place in the world where you can protect yourself against disaster, just like there is no one insurance plan to protect you against all losses. Many homeowners don't own their homes outright because they have a mortgage against their property. So what happens when homeowners have insurance, but their lender deems it insufficient?

The Diamond Ring - Insurance, Then and Now

Fri, 18 Sep 2015 07:27:56 -0500

Once, the diamond engagement ring was considered a form of insurance for the bride in case she got jilted. Today, it's the ring that needs the insurance!

Understanding Why You Need Renters' Insurance

Thu, 17 Sep 2015 06:36:14 -0500

Renters' insurance is a great value. A lot of people don't realize the significant value it can bring to their long term financial security. This article explores the many benefits of having a Renters' insurance policy.

Do You Know the Average Home Insurance Cost in Ontario?

Wed, 16 Sep 2015 06:38:34 -0500

Average home insurance costs in Ontario vary between rental and owned properties. Homeowners pay on average three times higher rates than property renters and there are many variables that affect the insurance costs.

7 Ways To Spend Less On Your Home Insurance Policy

Thu, 10 Sep 2015 06:53:32 -0500

Home insurance premiums always eat up a big portion of your income while being equally important at the same time. To save your money, it is advised to choose a policy carefully keeping in mind your expenses and your appropriate needs.

Importance of a Home Inventory

Fri, 04 Sep 2015 14:36:01 -0500

Could you list every item in your house if you had to? Can you prove you own those items? Having homeowners coverage is only one step to protecting your assets. A professional home inventory is needed to categorize and log your belongings in the event of a disaster.

A Match Made in Heaven, A Homeowners Policy Made to Order

Tue, 25 Aug 2015 11:43:36 -0500

As a busy insurance agent, Tina Silver rarely has a chance to do anything else. After meeting a nice girl at a wedding, she decides to set up her friend's single son. Read how a match that truly is made in heaven comes to be and how a tailored home policy follows!

Home Insurance - Why Are the Rates So Random?

Thu, 20 Aug 2015 13:44:04 -0500

Why are home insurance prices so random? Maybe learning a few of the things that can be used to rate a home insurance policy will help answer that question.

"Who Dunnit?" A Story About Home Contents Theft

Thu, 20 Aug 2015 08:13:52 -0500

Join the heart-stopping suspense as Mary discovers her heirloom necklace is missing. Wondering if she's covered for jewelry under her homeowner's insurance policy, while sure that it is Angela, the cleaning lady, that took it, Mary calls the police - only to discover there actually is no evidence that Angela is the culprit.

Besieged With Homeowner Insurance Premiums Since The Great Hurricane?

Mon, 10 Aug 2015 12:44:19 -0500

Since Hurricane Sandy, the insurance industry has designated NJ's shore area as a 'storm exposed zone'. This has had a devastating effect on home and property owners: now there is limited coverage accessibility, narrow renewal options, policy cancellations - and where policies are obtainable - higher rates and deductibles. Despite this, solutions still exist with the right insurance agency.

Five Mistakes To Avoid When Buying A Home Insurance Policy

Tue, 07 Jul 2015 13:10:43 -0500

Home insurance is a must-have to keep your home and its assets safe against unforeseen situations. However purchasing a policy is never that easy. Failing to buy the right policy with an optimum coverage can cost you dearly. For optimum coverage, do the thorough grinding on the list of homeowners insurance policies before you sign on all dotted lines.

What Kind of Coverage Should My Home Insurance Package Include?

Thu, 02 Jul 2015 06:21:01 -0500

Damage to or the destruction of a home is devastating, both emotionally and financially. These three types of home insurance coverage ensure that a loss will not financially cripple homeowners.

Five Ways Homeowners Insurance Protects Your Home And Family

Mon, 15 Jun 2015 06:49:06 -0500

Want to protect your home and family from unexpected loss? Homeowners insurance can protect you against natural disasters, lawsuits, theft, medical expenses, and loss of use.

7 Building Aspects That Impact Your Home Insurance Rates

Wed, 03 Jun 2015 06:22:01 -0500

An overview of 7 building factors that impact your home insurance rates. Find out how such building elements as wiring, heating, stoves, building frame, plumbing etc. change your insurance premiums.

Fire Claims Adjuster

Tue, 02 Jun 2015 11:12:57 -0500

When you look at a home - your home - that's been damaged or destroyed by fire, you'll see charred remains and shattered memories. When the insurance company comes around to talk to you, you'll feel as if you are in a daze. The fast-talking representative will spit out facts and figures while you take in the smell of smoke and the remnants of your cherished belongings.

Home Warranty Companies Protect Homeowners From the Crisis of Unexpected Repairs

Tue, 02 Jun 2015 06:07:58 -0500

Home warranty companies are making it easier for homeowners to manage emergency repairs. When a house is covered by a home warranty, its value is protected.

Homeowner's Insurance - What to Do If Your House Burns Down

Fri, 29 May 2015 11:45:18 -0500

Fire is such a powerful, frightening, and destructive force. And few disasters can be more horrifying than a house fire. There is much to be done when you have just lost your home to a fire but how do you stay focused when you are looking at the smoldering rubble of what was your home?

Essential Things You Should Look for in Home Insurance

Wed, 27 May 2015 14:55:28 -0500

Home insurance is necessary for protecting your residence the best way you can. Learn the essential elements you should have with your coverage.


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Tuesday, 23 August 2011

Guest Post: Bloomsbury Titles to get Excited About

Today I'm very excited to welcome the lovely Emma from Bloomsbury who is going to tell us about the titles she is most excited about publishing in the next few months.  Thanks so much for writing a guest post for me Emma!

Thanks for inviting me to do a guest post Feeling Fictional. I have to confess this is my first post on a blog EVER, so go easy on me readers.

I am a publicist at Bloomsbury Children’s Books. As part of my job I get to meet lots of amazing authors and read loads of incredible books long before they hit the bookshops. So, I thought I would take this opportunity to give you a bit of a sneak peek at a few of my favourite YA Bloomsbury books coming this autumn.

Velvet by Mary Hooper, 5th September

I’m going to go a bit gushy fangirl over Mary. In fact I will probably do that for all of the authors I mention, but I am very fond of the lovely Mary. Not only does she write the most wonderful, romantic, evocative, insightful (too many adjectives?) books, she is also great fun to hang out with. As well as work, we usually manage to gossip about handsome men, family, good books and good food when we’re on tour. She’s an absolute pleasure to be around.

Onto the book itself: Velvet is set in Victorian London at the height of the spiritualist craze. It tells the story of a young orphan girl working in a steam laundry. Struggling to earn enough to survive, she is thrilled when a client, the mysterious and glamorous medium, Madame Savoya, offers her a job in her house. Life couldn’t be more different for Velvet: she is living in comparative luxury, Madame feels more like a friend than her employer, she even trusts her to assist with the séances, and then there’s the handsome butler George . . .

But if things seem too good to be true, it’s often because they are. Soon Velvet finds herself embroiled in a kidnap plot and Madame Savoya is close to discovering the truth about the death of Velvet’s father. Velvet’s life is in jeopardy, but will she realise what’s happening in time . . .

Mary won over a lot of new fans with her last book Fallen Grace. Velvet is sure to do the same!

Mary Hooper

See Mary this autumn:

6pm, Tuesday 20th September
Just Imagine Story Centre, 64-68 New London Road, Chelmsford, CM2 0PD
Tel 01245 267748
Tickets: £5

2pm, Sunday 25th September
Guildhall, high Street, Bath BA1 4BX
Tel: 01225 463 362
Tickets: £5

Find out more about Mary at:

Revolution by Jennifer Donnelly, 3rd October

Andi lives in New York and is dealing with the disintegration of her family and the guilt she feels following her younger brother’s death. Alex lives in Paris and is a maid to the royal family as the French Revolution rages. Both girls are struggling with their responsibilities and their place in the world.

When Andi is dragged to Paris by her father, their two stories collide, and Andi finds a way to reconcile herself not only to her past but also to her future.

I first read Jennifer’s Carnegie Medal winning debut, A Gathering Light, in 2003 when I was working as a bookseller in a branch of Ottakar’s (a brilliant chain of bookshops, which is sadly no more). It blew me away and is one of my all time favourite books. Fast-forward seven years and I was thrilled to discover I would be working on Jennifer’s long-awaited second book for Bloomsbury. This is a title we published in hardback last year, but it’s such a heart-breakingly wonderful book that I have to mention that the paperback edition is coming in October.

If you haven’t yet discovered Jennifer you are in for a treat. This lady writes so beautifully, even her emails have reduced me to tears (in a good way, she’s not mean or anything). Although I have been emailing Jennifer for the last year I have never met her before. So I’m very excited to tell you that Jennifer will be flying over from New York to visit the UK this October!

Jennifer Donnelly

You can catch Jennifer at:

8pm, Wednesday 5th October
Topping & Co. The Paragon, Bath BA1 5LS
01225 428 111
Tickets: £6

6:30pm, Thursday 6th October
Earls High School, Furnace Lane, Halesowen, W Midlands B63 3SL
01384 818 406
Tickets: free

7pm, Friday 7th October
County Hall, Fishergate, Preston, Lancashire PR1 8XJ
01772 683 444
Tickets: £2

5pm, Saturday 8th October
Ilkley Literature Festival

11:45am, Sunday 9th October
Cheltenham Literature Festival

Find out more about Jennifer at:

Bleeding Hearts by Alyxandra Harvey, 3rd October

Now there’s a nasty rumour going around that paranormal romance is yesterday’s news. I beg to differ. Alyxandra Harvey’s butt-kicking vampire series, Drake Chronicles, is still going strong. No matter what the current trend, you have to read this series. If you’ve ever cheered for Buffy, drooled over a hot boy and stood by your best friend when times have got tough, you’re going to love these books.

Bleeding Hearts is the fourth of the Drake Chronicles. This time Alyxandra takes a closer look at what’s going on with Connor Drake.

Lucy’s cousin Christabel has come to live in Violet Hill, and adjusting to the difference between life in a small mountain town and her home in the city is difficult. The strict curfew that Lucy’s parents enforce is hard to respect. Surely noting really dangerous could happen in this tiny town.

When Christabel starts to notice some mysterious happenings it seems like Lucy, her boyfriend Nicholas and his brother Connor are all in on a secret that Christabel doesn’t understand – one that seems deadly serious. When Christabel is kidnapped by the Hel-Blar vampires, Lucy and Connor finally fill her in on all the undead drama. Together that must find a way to stamp out the Hel-Blar for good.

I was lucky enough to meet Alyxandra in person when she came over to the UK from her home in Canada in May. We spent a week touring in the south of England to promote Haunting Violet. Alyxandra is as smart and sassy as any of her female characters. She’s also full of fascinating historical anecdotes and I think her love of history comes through in all of her books. I have my fingers crossed that Alyxandra will be back in the UK in 2012 to promote her next stand-alone title, Stolen Away.

Alyxandra Harvey

Find out more about Alyxandra at:

Thanks for having me Feeling Fictional. If anyone wants to ask a question or just say hi, feel free to tweet me @EmmaCBradshaw

Thanks so much for the lovely guest post Emma, I'm really looking forward to reading all of these books!  Mary Hooper won a new fan in me with Fallen Grace and I can't wait to try Velvet.  I love that you get to gossip about handsome men when you're on tour with Mary - such a hard job lol.  I've not read anything by Jennifer Donnelly before but after a recommendation like that I'm going to have to pick up A Gathering Light :o) I really liked Alyxandra Harvey's Haunting Violet so and have been planning on starting her Drake Chronicles series so I'll have to try and get caught up before Bleeding Hearts comes out.

Which of these books are you most looking forward to?  If you've read anything by these authors I'd love to know what you thought of them so please leave a link to your reviews in the comments!  Don't forget to go and say hi to Emma on Twitter here

  1. I love Mary Hooper, and Revolution also looks intriguing!

  2. I have just started reading Velvet and I can't help but feel that Mary Hooper is becoming one of my favourite all time authors.

  3. Great guest post Emma! Bloomsbury always have such amazing titles coming out that we're spoilt for choice.

  4. I cant wait to read Velvet, Fallen Grace bowled me over!
    I just read the Haunting Violet too and It has made me want to read the Drake Chronicles so bad so I must get those soon too!
    And! lol, I cant wait to start A Gathering Light... or meet Jennifer (and Mary) at the upcoming events!! :D

  5. Though I usually hate Victorian--maybe unless it was done as gross as it really was--I like the spiritualist angle. I'm not sure that's one I've seen before.

    Vampires may be waning from mega status, but they will never die. We are too in tune to the mythology, such that it lodges as an archetype in out hearts and minds.

    Paranormal romance is a great poster child for fusion fiction. It will live on.

    Great first blog.

  6. Mary is a great author! I loved Fallen Grace.
    Sending love to Bloomsbury, a great publisher!

  7. @ A.J. Mullarky - I loved Fallen Grace so can't wait to read Velvet, I'm also very curious about Revolution too :o)

    @ Viv - I'm looking forward to Velvet, if it's as good as Fallen Grace Mary will be being added to my favourite authors list too!

    @ SJH - Bloomsbury definitely spoil us don't they :o)

    @ Raimy - I'm glad I'm not the only one who hasn't started the Drake Chronicles yet, I definitley want to after Haunting Violet! Looking forward to meeting you (and Mary of course!) at the event in a few weeks :o)

    @ Bets - I really enjoyed the spiritualist angle in Haunting Violet, it was really interesting to see the tricks of the trade used by Victorian's to "prove" there were ghosts present lol. Like you said I don't think we'll ever see the end of vampires, I still love reading anything paranormal so hope the trend continues for a long time to come :o)

    @ Books for Company - Bloomsbury publish so many good books don't they! Fallen Grace was one of my favourites of theirs & I can't wait to read Velvet

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Fellins Jewelers

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Archive 12/2011 | Femdom Spitting Clips

All articles in archive 12/2011

The one thing that can top Melissa's black leather corset, fishnet stockings, and black boots is a strap on. As soon as she puts it on she starts spitting all over it, stroking it as if it's the real thing. Can you see yourself get turned on by how rough she is jacking herself off? Now bend over and take this big strap on cock in the ass like a good little dog.

Black and pink lingerie adorns this sexy domineering vixen. Her garter belt pinches her nice thighs and her perky breasts are nearly spilling out of her top as she bends over spits in her spit slave's mouth and face. Her shiny black high heels stomps on the side of his face and he can do nothing because she has his wrists tied tight! She loves the look of pain that is on his face right now.

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Apr 282008

In a piece published today, Retired Army Colonel Ann Wright documents the suspicious numbers of deaths of women in the U.S. military after they have been sexually assaulted.

“94 US military women in the military have died in Iraq or during Operation Iraqi Freedom (OIF). 12 US Civilian women have been killed in OIF. 13 US military women have been killed in Afghanistan during Operation Enduring Freedom (OEF). 12 US Civilian women have been killed in Afghanistan.

Of the 94 US military women who died in Iraq or in OIF, the military says 36 died from non-combat related injuries, which included vehicle accidents, illness, death by “natural causes,” and self-inflicted gunshot wounds, or suicide. The military has declared the deaths of the Navy women in Bahrain that were killed by a third sailor, as homicides. 5 deaths have been labeled as suicides, but 15 more deaths occurred under extremely suspicious circumstances.

8 women soldiers from Fort Hood, Texas (six from the Fourth Infantry Division and two from the 1st Armored Cavalry Division) have died of “non-combat related injuries” on the same base, Camp Taji, and three were raped before their deaths. Two were raped immediately before their deaths and another raped prior to arriving in Iraq. Two military women have died of suspicious “non-combat related injuries” on Balad base, and one was raped before she died. Four deaths have been classified as “suicides.””

Wright reports on the shocking details of the death of Army Private Lavena Johnson, a death that the Army has labeled a suicide.

“The photographs revealed that Lavena, a small woman, barely 5 feet tall and weighing less than 100 pounds, had been struck in the face with a blunt instrument, perhaps a weapon stock. Her nose was broken and her teeth knocked backwards. One elbow was distended. The back of her clothes had debris on them indicating she had been dragged from one location to another. The photographs of her disrobed body showed bruises, scratch marks and teeth imprints on the upper part of her body. The right side of her back as well as her right hand had been burned apparently from a flammable liquid poured on her and then lighted. The photographs of her genital area revealed massive bruising and lacerations. A corrosive liquid had been poured into her genital area, probably to destroy DNA evidence of sexual assault.

Despite the bruises, scratches, teeth imprints and burns on her body, Lavena was found completely dressed in the burning tent. There was a blood trail from outside a contractor’s tent to inside the tent. She apparently had been dressed after the attack and her attacker placed her body into the tent and set it on fire.”

Just guessing, but it strikes me as physically impossible that someone committing suicide would beat herself up, pour corrosive liquid on her genitals, burn herself and then put her clothes on, and while bleeding go into a tent and set it on fire. Clearly from these details, any idiot would conclude that this was not a suicide; it was a MURDER.

Then there is the case of Army Pvt. First Class Tina Priest,

“The Army said Tina was found dead in her room on March 1, 2006, of a self-inflicted M-16 shot, a “suicide”, 11 days after the rape. Private Priest’s mother, Joy Priest, disputes the Army’s findings. Mrs. Priest said she talked several times with her daughter after the rape, and while very upset about the rape, she was not suicidal. Priest continues to challenge the Army’s 800 pages of investigative documents with a simple question. How could her petite daughter, 5-foot-tall daughter with a short arm length, have held the M-16 at the angle which would have resulted in the gunshot? The Army attempted several attempts explanations, but each was debunked by Mrs. Priest and by the 800 pages of materials provided by the Army itself. The Army now says Tina used her toe to pull the trigger of the weapon that killed her. The Army never investigated Tina’s death as a homicide, but only as a suicide.

Ya think that passes the plausibility smell test?

Wright goes on to document the circumstances of many other women in the military who died under suspicious circumstances. I echo her call for immediate Congressional investigation.

Shocking as this report is however, it pales in comparison to the misogynist murder spree being perpetrated against Iraqi women in the lawless aftermath of the U.S. invasion. The Independent (UK) reports on the murder of a 19 yer old Iraqi woman for the “crime” of having an unknown phone number in her cell phone.

In Basra alone, police acknowledge that 15 women a month are murdered for breaching Islamic dress codes. Campaigners insist it is a conservative figure.

Violence against women is rampant, rising every day with the power of the militias. Beheadings, rapes, beatings, suicides through self-immolation, genital mutilation, trafficking and child abuse masquerading as marriage of girls as young as nine are all on the increase.”

“Despite the outrage, recent calls by the Kurdish MP Narmin Osman to outlaw honour killings have been blocked by fundamentalists. “Honour killings are not actually a crime in the eyes of the government,” said Houzan Mahmoud, who has had a fatwa on her head since raising a petition against the introduction of sharia law in Kurdistan. “If before there was one dictator persecuting people, now almost everyone is persecuting women.

“In the past five years it is has got [much] worse. It is difficult to described how terrible it is, how badly we have been pushed back to the dark ages. Women are being beheaded for taking their veil off. Self immolation is rising – women are left with no choice. There is no government body or institution to provide any sort of support. Sharia law is being used to underpin government rule, denying women their most basic human rights.””

“The new Iraqi constitution, according to Mrs Mahmoud, is a mass of confusing contradictions. While it states that men and women are equal under law it also decrees that sharia law – which considers one male witness worth two females – must be observed. The days when women could hold down key jobs or enjoy any freedom of movement are long gone. The fundamentalists have sent out too many chilling messages. In Mosul two years ago, eight women were beheaded in a terror campaign.

“It was really, really horrifying,” said Mrs Mahmoud. “Honour killings and murder are widespread. Thousands [of people] … have become victims of murder, violence and rape – all backed by laws, tribal customs and religious rules. We urge the international community, the government to condemn this barbaric practice, and help the women of Iraq.””

There can be no excuse for these horrific assaults on the lives and human rights of women, both in Iraq and in the U.S. military. These acts violate numerous international laws, and constitute acts that are classified as war crimes. They serve as grisly illustration of the fundamental connection between militarism and misogynist violence. To continue to tolerate such acts flies in the face of the freedom and democracy we so vehemently espouse.

 April 28, 2008  Posted by on April 28, 2008

  One Response to “Sisters in Death: The Systemic Misogyny of Militarism Leads To Deaths of U.S. Servicewomen and Iraqi Civilian Women”

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Friday, October 17, 2014

Jose Iglesias Said To Be 'Fine' For 2015 Season

Remember Jose Iglesias? You know, the guy we traded away in exchange for now-San Francisco Giant Jake Peavy in a three-way deal? After missing the entire 2014 season with stress fractures in both of his shins, word is that the 24-year old shortstop will be 100% healthy for the 2015 season. Perhaps the slickest Red Sox defensive shortstop in a generation, Iglesias began to show surprising offensive ability before his July 2013 trade. He then played well against his old club in the 2013 ALCS. Now, it looks as if he'll be Detroit's starting shortstop for a long time. While Tiger GM Dave Dombrowski won't fully commit to this, it seems pretty obvious, "I would think with what we know from Iglesias, if he returns to the form that he was in the past, which they tell me he will, but if he does, then he would be our regular shortstop because he's a very, very good shortstop." Indeed.


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Wednesday, November 19, 2014

REPORT: Red Sox Preparing Offer For Panda

According to's Sean McAdam, the Red Sox are actively putting together a contract offer for free-agent 3B Pablo Sandoval. The Panda has been in Boston for the last couple of days—being wined and dined by Sox brass and David Ortiz. The scuttlebutt is that Sandoval is "expecting" a deal better than the 5 years and $90 million the Giants gave to Hunter Pence. It's unclear how the Red Sox offer will be structured—either in terms of length or amount. However, it is clear that Boston is serious about prying The Panda away from San Francisco. We would advise that you start checking eBay SF for used panda heads.


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< Back

Gregory J. Ferruzzo

GREGORY J. FERRUZZO is a Partner at Ferruzzo, who was born in Torrance, California. He received both his Bachelor of Science degree and Juris Doctorate degree from Western State University College of Law in Fullerton, California in 1992. He was admitted to the California State Bar in 1993. He resides in Long Beach, California and enjoys surfing and motorcycling.

Greg has been with Ferruzzo since 1993. His primary focus has been civil litigation for corporate business clients. During this time, he has practiced in the area of civil litigation in both the state and federal courts, which include several successful jury trials. He has represented a variety of business clients in contract disputes, partnership and corporate dissolutions, fraud and unfair business competition claims, sexual harassment and wrongful employment termination cases. He has defended police officers named in employment cases brought against city municipalities.

Bar Admissions

  • California, 1993
  • U.S. District Court Central District of California, 1994

Western State University College of Law
Fullerton, California, 1992
Juris Doctor

Western State University
Fullerton, California, 1992
Bachelor of Science


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Friday, June 26, 2015

King by TM Frazier (Review and Giveaway)

Title: King
Series: King #1
Author: TM Frazier
Released: June 15, 2015 - CreatSpace
Pages: 302 per Goodreads
Format: Ebook received for review

Homeless. Hungry. Desperate.

Doe has no memories of who she is or where she comes from.

A notorious career criminal just released from prison, King is someone you don’t want to cross unless you’re prepared to pay him back in blood, sweat, pu$$y or a combination of all three.

King’s future hangs in the balance. Doe’s is written in her past. When they come crashing together, they will have to learn that sometimes in order to hold on, you have to first let go.

Warning: This book contains graphic violence, consensual and nonconsensual sex, drug use, abuse, and other taboo subjects and adult subject matter. Although originally slated to be a standalone, KING is now a two part series.

King really came out of no where and blew me away.  I loved this book, I loved the characters, hell, I even loved their house.  And when it ended.... well, I didn't love that so much.  There's a bit of a cliffhanger, but that doesn't really bother me too much.  But I tell ya what, I want to read the next book NOW.

Doe, which is an awesome name even if it is because they're calling you Jane Doe, has been living on the streets.  Amnesia.  And one night she goes with her friend (who doesn't really seem like a friend to me) to a party in hopes of hooking up with a biker.  Not because they want to be some sort of biker groupie, but because the bikers are known to sometimes keep you around for a bit.  That means food and shelter to Doe.  And tell ya what, Doe is starving.  I am sure I would be doing the same thing.
 Well, the party is at King's house, and she meets King.  From there on out, I'm pretty sure Fate decided everything else.  These two (Doe & King) may want to think they are making their own decisions, but there's no way.  I felt such a strong connection between them, that it can only be marked up to Fate or Destiny, or some other mystical thing that takes away your free will.

So I like Doe.  She's not as meek as you might think someone in her predictament might be.  And it must be very hard to even live a day not knowing anything about yourself.  I mean, a lot can happen to you to drag you down the hole - and in the end  you still have you.  But she doesn't.  She looks to her past and it's just void.  King is... well holy shit ladies, he is a real bad boy.  Hell, it feels a bit silly calling him a bad boy.  He's a man who decided with his best friend at an early age that they were going to live a "take no shit" type of life.  And he has.  And it's worked out pretty well for him.  There's no way I don't like King.

But can I talk about that best friend?  His name is Preppy.  Preppy is a bit of a sick fuck, and you learn why.  But you know what, that is just one part of him.  This man brought so much love and care and comic relief to the story, I couldn't help but fall for him.  He's so unique and multidimensional; if there were one character from this story I'd want to see in person, it'd
be him.

So King is kind of a dark story.  There's lots of elements that might not sit ok with some people.  For me, I loved every minute.  It made 300 pages fly by and I couldn't get enough.  This book took me through all the emotions.  It made me laugh, it turned me on, it made me feel content, it scared me at times, and at it's worst, it broke my heart in two and made me cry a bit (Don't judge!)  So do I think you should read this story?  Hell yeah I do. (I gave it five stars and put it on my favorites!)

T.M. (Tracey Marie) Frazier resides in sunny Southwest Florida with her husband and three feisty fur kids.

She attended Florida Gulf Coast University where she specialized in public speaking. After years working in real estate and new home construction, she decided it was finally time to stop pushing her dreams to the back burner and pursue writing seriously.

In the third grade she wrote her very first story about a lost hamster. It earned rave reviews from both her teacher and her parents.

It only took her twenty years to start the next one.
It will not be about hamsters.

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Haye: Joshua Fight Or Retire

David Haye says his “perfect scenario” is beat Tony Belew and then take on Anthony Joshua.

Haye, however, admits that his he is unable to defeat Tony Bellew on December 17th in London, his career will be “effectively over.”

The 37-year-old has been given a chance to claim revenge and told talkSPORT that he could still see a path towards an eventual showdown with Joshua, who will fight Carlos Takam on Sky Sports Box Office on October 28.

“I have a couple of fights, he has a couple of fights. If we both keep winning then a big stadium, me v Anthony Joshua, it doesn’t get any bigger than that.

“However, I can’t even remotely even start thinking about that if I can’t perform against Tony Bellew.

“If I can’t beat Tony Bellew, my competitive boxing career is effectively over. There is no need me even mentioning any other names in the heavyweight division, about wanting to fight for titles, fight this guy, that guy.

“If I can’t beat Tony Bellew, then it’s over.”

Haye says even beats Bellew, he still make December 17th his last night as a fighter.\

“Even if I beat Tony Bellew, but I scrape through, I get knocked down, I’m struggling, whatever issue I have, I can’t then realistically say I want to fight this big guy who is three inches taller, three stone bigger, 10 years younger, undefeated and with a 100 per cent knock-out record.”

“Fortunately, Tony Bellew has given me a second chance, and then we can hopefully look to 2018 for some mega showdowns.

“This fight is going to show me whether I’ve still got it, or I haven’t. Either way, it’s going to be entertaining for everyone else.

“People know myself and Tony will fight until we can’t fight anymore. You know you are going to get fireworks for sure, no matter what happens.”

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make utilities 0.2.0

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makeutil is a set of portable public domain programs designed to support C/C++ projects. It provides tools for build operations outside of the normal compile/link pipeline. It is designed to be unobtrusively included directly in your own software development project. Here is a brief description of each tool: - config: choose file based on platform - ccinfo: name compiler used to compile program - mksystype: determine operating system...

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Programming  -  PMD 4.0
PMD is a Java source code analyzer. PMD finds unused variables, empty catch blocks, unnecessary object creation, and more. PMD project includes CPD, a tool to detect chunks of identical code PMD scans Java source code and looks for potential...
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Programming  -  TOra 1.3.21
TOra is a Toolkit for Oracle which aims to help the DBA or developer of database application. TOra project features PL/SQL debugger, SQL worksheet with syntax highlighting, DB browser and a comprehensive set of DBA tools..
Programming  -  drslib 0.2.0 Beta 1
Drslib is a Python library for processing the 5th Climate Model Intercomparison Project (CMIP5) Data Reference Syntax (DRS). It has been developed by the Centre for Environmental Data Archival as part of the ESG Federation.
40.96 KB
Programming  -  Blassic 0.10.0
Blassic is a classic Basic interpreter. The line numbers are mandatory, and it has PEEK & POKE. The main goal is to execute programs written in old interpreters, even those that use peculiar control flow constructs or automodifiable code....
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Un Beau Soleil Interieur (2017) Let the Sunshine In

Filmuforia May 18, 2017 Comments Off on Un Beau Soleil Interieur (2017) Let the Sunshine In
Un Beau Soleil Interieur (2017) Let the Sunshine In

Writer|Dir: Claire Denis, Christine Angot | Cast: Juliette Binoche, Gerard Depardieu, Valerie Bruni Tedeschi | 94min | Comedy drama

Claire Denis opens the Directors’ Fortnight with her comedy debut UN BEAU SOLEIL INTERIEUR starring Juliette Binoche, Gerard Depardieu and Valeria Bruni-Tedeschi as Parisians keen to find love the second, third or possibly twentienth time around. Previously known as Des Lunettes Noires, a more edgy and intriguing title that conveys the romantic pleasures of the time discretely known as ‘un certain age’, this drole satire will make you chuckle knowingly rather than laugh out loud.

Binoche plays Isabelle, a recently divorced mother around 50 who is keen to rediscover the joy of sex and lasting love again and all the other things that make’ la vie du couple’ worth living, after the pressures of raising a family.  Surrounded by a series of smucks – to put it politely – she feels that romance  is already a thing of the past. Isabelle is ‘special’ in that mercurial way that becomes amusingly familiar as Denis’ insightfully intelligent narrative unfolds.  She had reached a time when wisdom and experience informs everyday life, but when it comes to love we are still teenagers. She welcomes the familiar routines of daily life, but so do the men she encounters particularly one pompous banker (Xavier Beauvois) who is the ultimate control freak who is useless in bed, but she falls in love all the same.  Clearly unable to leave his wife, Isabelle then moves on to Sylvain (Paul Blain), a louche and seedily sensual man she meets in a bar where they dance to they strains of “At Last’ , and of course you know it wont’t be. Then there is alcoholic actor (Nicolas Duvauchelle) who satisfies her sexually but is too fond of himself to really fall for her.  Isabelle is looking for chemistry but also someone from her ‘milieu’,  but at this stage most of the available men are single for a reason: they are either geeks or deeply unattractive, but totally unaware of it. And ex husband Francois (Laurent Grevill) still serves as a ‘friend with benefits’, occasionally popping back on the scene, although her daughter is only glimpsed briefly.

Apart from the acutely observed witty script, the emotional nuances of Binoche’s performances is what makes this so enjoyable. UN BEAU SOLEIL is a complete departure from her dramas such Beau Travail and White Material and is most like her 2002 outing Friday Night. And the final scene where she visits Gerard Depardieu’s psychic is such a perceptive interplay between clever dialogue and intuitive performances it’s a joy to behold. MT

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Thursday, March 8, 2012

Long skirt - Part 2

Here is one more long skirt.  It looks delicate but also very wearable.  I like the details on the her clothes that make the view of her back so lovely.  The stripe down her back is a nice way to connect the top to the skirt, and the purple hat is such a beautiful companion to the navy.

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text:
This weekend my sister and her family + my mom came over to our annual "Christmas decoration weekend". My mom learned us felting - I have never tried it before but it was really nice to work with the wool and the kids liked it as well. The little white balls will hopefully end up as little wollen snowmen when Frida Viola and I have decorated them.

Frida Viola did a large production of the little Christmas trees with watercolour. I like them just as that and will avoid adding glitter or sequins.


text:
Jeannette Brigitte Rohlmann Handelsvertreterin

23628 Klempau

Agents involved in the sale of a variety of goods (NACE code: 46.19.0)

Status: active

Jeannette Brigitte Rohlmann Handelsvertreterin
Dorfstr. 16
23628 Klempau
  • Company Information
    Jeannette Brigitte Rohlmann Handelsvertreterin based in Klempau is registered in the Creditreform company database with the legal form commercial enterprise. Its current status is listed as active. One director currently runs the company: 1 proprietor. The quota for women's representation on the management board of Jeannette Brigitte Rohlmann Handelsvertreterin is 100 percent. The company has one location. If you would like to contact Jeannette Brigitte Rohlmann Handelsvertreterin in writing, use the current postal address Dorfstr..
  • Location
    Street Dorfstr. 16
    Zip 23628
    City Klempau
    Country Germany
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  • FAQ
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  • Company Data Abstract
    Trade register non-registered
    Management 1 Manager
    Creditreform number 2270341975

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    11.99 EUR (VAT included)
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Wieland & Jarasch GmbH

47166 Duisburg

Electrical installation (NACE code: 43.21.0)

Status: active

Last modified: Jul 27, 2017

Wieland & Jarasch GmbH
Duisburger Str. 180
47166 Duisburg
+49 203 556464
+49 203 557155
  • Company Information
    Wieland & Jarasch GmbH has its registered office in Duisburg, Germany. Its current status is listed as active. The company is registered at the Trade register at the local court of Duisburg with the legal form of Private limited company (number HRB 5269). The Trade register entry was last updated on May 11, 2011. 2 directors currently run the company: 2 managers. The company reports contain information on the company's ownership structure and its 2 shareholders. The company has 3 locations. The VAT Identification number and the bank details of 3 major banks are also available. The company report was last updated on Jul 27, 2017.
  • Last Messages
    Aug 1, 2017
    New balance sheet data
    Seperate financial statement HGB available for the financial year 2016
    Jul 23, 2017
    New balance sheet data
    Seperate financial statement HGB available for the financial year 2015
    Mar 3, 2016
    New balance sheet data
    Seperate financial statement HGB available for the financial year 2014
    2014 to this day
    Last messages
    For Wieland & Jarasch GmbH 12 total messages are available at FirmenWissen.
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  • Location
    Street Duisburger Str. 180
    Zip 47166
    City Duisburg
    Country Germany
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  • Company Data Abstract
    Trade register registered
    Register number HRB 5269
    Management 2 Managers
    Owners 2 Shareholders / Owners
    Creditreform number 5070099479

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    • 3 addresses of company locations
  • Finance Profile
    24.99 EUR (VAT included)
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BVG Vermögensverwaltungs GmbH

8141 Unterpremstätten

Other activities auxiliary to financial services, except insurance and pension funding (NACE code: 66.19.0)

Status: active

Last modified: Nov 11, 2017

BVG Vermögensverwaltungs GmbH
Fasanweg 23
8141 Unterpremstätten
  • Company Information
    BVG Vermögensverwaltungs GmbH has its registered office in Unterpremstätten, Austria. Its current status is listed as active. The company is registered at the Commercial register at the local court of Graz with the legal form of Private limited company (number FN 211373 v). The Commercial register entry was last updated on Nov 9, 2017. One director currently runs the company: 1 manager. The company reports contain information on the company's ownership structure and its 2 shareholders. The company has one location. The VAT Identification number is also available. The company report was last updated on Nov 11, 2017.
  • Last Messages
    Aug 15, 2017
    New balance sheet data
    Seperate financial statement UGB available for the financial year 2015
    Jul 23, 2017
    New balance sheet data
    Seperate financial statement UGB available for the financial year 2010
    Jul 23, 2017
    New balance sheet data
    Seperate financial statement UGB available for the financial year 2011
    2017 to this day
    Last messages
    For BVG Vermögensverwaltungs GmbH 6 total messages are available at FirmenWissen.
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  • Location
    Street Fasanweg 23
    Zip 8141
    City Unterpremstätten
    Country Austria
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  • FAQ
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    Who are the managers?
    What is the credit rating?
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  • Company Data Abstract
    Commercial register registered
    Register number FN 211373 v
    Management 1 Manager
    Owners 2 Shareholders / Owners
    Creditreform number 9030110008

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  • Company Profile
    11.99 EUR (VAT included)
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    • Detailed commercial register data
    • share capital
    • Number of employees
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    • Name, address, function of the manager
    • Name, address, share of the 2 shareholders / owners
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    24.99 EUR (VAT included)
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    • Balance sheet rating
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  • Balance Profile

    The Balance Profile of type corporate accounts contains the whole Finance Profile, plus

    • Balance sheets 2015 – 2013 as PDF
    • Balance sheets 2015 – 2010 as XLS
    41.99 EUR (VAT included)
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    67.99 EUR (VAT included)

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Serdar Kolac IT-Dienstleistungen

86157 Augsburg

Other information service activities n.e.c. (NACE code: 63.99.0)

Status: active

Last modified: Nov 16, 2017

Serdar Kolac IT-Dienstleistungen
Hinter den Gärten 1
86157 Augsburg
  • Company Information
    Serdar Kolac IT-Dienstleistungen based in Augsburg is registered in the Creditreform company database with the legal form commercial enterprise. Its current status is listed as active. One director currently runs the company: 1 proprietor. The company has one location. If you would like to contact Serdar Kolac IT-Dienstleistungen in writing, use the current postal address Hinter den Gärten. The company report was last updated on Nov 16, 2017.
  • Location
    Street Hinter den Gärten 1
    Zip 86157
    City Augsburg
    Country Germany
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  • FAQ
    How old is the company?
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  • Company Data Abstract
    Trade register non-registered
    Management 1 Manager
    Creditreform number 8030408756

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    11.99 EUR (VAT included)
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Fritz Sauer Kunstfeuerwerkfabrik, gegr. 1863, Inh. Peter Sauer e.K.

86368 Gersthofen

Manufacture of explosives (NACE code: 20.51.0)

Status: active

Last modified: Jun 2, 2017

Fritz Sauer Kunstfeuerwerkfabrik, gegr. 1863, Inh. Peter Sauer e.K.
Westendstr. 19
86368 Gersthofen
+49 821 496075
+49 821 493319
  • Company Information
    Fritz Sauer Kunstfeuerwerkfabrik, gegr. 1863, Inh. Peter Sauer e.K. has its registered office in Gersthofen, Germany. Its current status is listed as active. The company is registered at the Trade register at the local court of Augsburg with the legal form of Sole proprietorship (number HRA 8405). The Trade register entry was last updated on Oct 16, 2008. One director currently runs the company: 1 proprietor. The company has one location. The VAT Identification number and the bank details of 3 major banks are also available. The company report was last updated on Jun 2, 2017.
  • Location
    Street Westendstr. 19
    Zip 86368
    City Gersthofen
    Country Germany
    Get Directions
  • FAQ
    Trade register number?
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    Who are the managers?
    Is annual sales data available?
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  • Company Data Abstract
    Trade register registered
    Register number HRA 8405
    Management 1 Manager
    Creditreform number 8030003531

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  • Company Profile
    11.99 EUR (VAT included)
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    The Company Profile contains:

    • Detailed trade register data
    • Number of employees
    • Sales in the years 2013 to 2016
    • Business activity (purpose of the business)
    • Name, address, function of the manager
    • VAT number
    • Information on the 3 principal banks
    • Address of the company location
  • Credit Report
    58.99 EUR (VAT included)

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Sikasa UG (haftungsbeschränkt)

86459 Gessertshausen

Engineering activities for projects in specific technical fields and engineering design (NACE code: 71.12.2)

Status: active

Last modified: Nov 14, 2017

Sikasa UG (haftungsbeschränkt)
Ludwig-Thoma-Str. 1
86459 Gessertshausen
+49 8238 958316
+49 8238 958317
  • Company Information
    Sikasa UG (haftungsbeschränkt) has its registered office in Gessertshausen, Germany. Its current status is listed as active. The company is registered at the Trade register at the local court of Augsburg with the legal form of Enterprise company (with limited liability) (number HRB 24962). The Trade register entry was last updated on Feb 4, 2010. One director currently runs the company: 1 manager. The company reports contain information on the company''s ownership structure and its shareholder. The company has one location. The VAT Identification number and the bank details of 2 major banks are also available. The company report was last updated on Nov 14, 2017.
  • Last Messages
    Apr 3, 2015
    New balance sheet data
    Seperate financial statement HGB available for the financial year 2013
    Apr 3, 2015
    New balance sheet data
    Seperate financial statement HGB available for the financial year 2012
    Apr 3, 2015
    New balance sheet data
    Seperate financial statement HGB available for the financial year 2011
    2015 to this day
    Last messages
    For Sikasa UG (haftungsbeschränkt) 3 total messages are available at FirmenWissen.
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  • Location
    Street Ludwig-Thoma-Str. 1
    Zip 86459
    City Gessertshausen
    Country Germany
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  • FAQ
    Trade register number?
    Who are the shareholders?
    How old is the company?
    Who are the managers?
    Is annual sales data available?
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    Are balance sheets available?
  • Company Data Abstract
    Trade register registered
    Register number HRB 24962
    Management 1 Manager
    Owners 1 Shareholder / Owner
    Creditreform number 8030117367

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  • Company Profile
    11.99 EUR (VAT included)
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    • Detailed trade register data
    • share capital
    • Number of employees
    • Sales in the years 2011 to 2015
    • Business activity (purpose of the business)
    • Name, address, function of the manager
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    • Address of the company location
  • Finance Profile
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    • Balance sheet rating
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    • Balance sheet 2011 as PDF
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    41.99 EUR (VAT included)
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    58.99 EUR (VAT included)

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Markus Waas Kanister-Vertrieb MW

86641 Rain

Wholesale of non-electrical household appliances, household articles of metal and other household goods n.e.c. (NACE code: 46.49.5)

Status: active

Last modified: Nov 8, 2017

Markus Waas Kanister-Vertrieb MW
Frankenstr. 10
86641 Rain
  • Company Information
    Markus Waas Kanister-Vertrieb MW based in Rain is registered in the Creditreform company database with the legal form commercial enterprise. Its current status is listed as active. One director currently runs the company: 1 proprietor. The company has one location. The VAT Identification number and the bank details of the major bank are also available. Contact the company directly by phone at: +49 9090 921-774. If you would like to contact Markus Waas Kanister-Vertrieb MW in writing, use the current postal address Frankenstr.. Or send an email to The company report was last updated on Nov 8, 2017.
  • Location
    Street Frankenstr. 10
    Zip 86641
    City Rain
    Country Germany
    Get Directions
  • FAQ
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    Who are the managers?
    What is the credit rating?
  • Company Data Abstract
    Trade register non-registered
    Management 1 Manager
    Creditreform number 8130192361

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    11.99 EUR (VAT included)
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Back to All Events

Brunch with the Brewer

Join us this Sunday, April 23rd, for Brunch with the Brewer! We suggest waking up with a High Gear Mocha Oatmeal Stout or Grapefruit Bliss* paired with delicious offerings from Farm & Flame.

Our Brewers, Tim Kazules and Matt Sewell, will be on hand to chat it up during this special event.

*Full beer menu available.

Earlier Event: March 17
Sláinte Fest 2017
Later Event: May 12
Shrimp vs. Chef Food Truck