How Accurate Are Insurance Quotes

If a person leads an ‘active’ life, as Wiggs had, if a person has goals, ideals, a cause to fight for, then that person is distracted, temporarily, from paying a whole lot of attention to the heavy scimitar that hangs by a mouse hair just about his or her head. We, each of us, have a ticket to ride, and if the trip be interesting (if it’s dull, we have only ourselves to blame), then we relish the landscape (how quickly it whizzes by!), interact with our fellow travelers, pay frequent visits to the washrooms and concession stands, and hardly ever hold up the ticket to the light where we can read its plainly stated destination: The Abyss. Yet, ignore it though we might in our daily toss and tussle, the fact of our impending death is always there, just behind the draperies, or, more accurately, inside our sock, like a burr that we can never quite extract. If one has a religious life, one can rationalize one’s slide into the abyss; if one has a sense of humor (and a sense of humor, properly developed, is superior to any religion so far devised), one can minimalize it through irony and wit. Ah, but the specter is there, night and day, day in and day out, coloring with its chalk of gray almost everything we do. And a lot of what we do is done, subconsciously, indirectly, to avoid the thought of death, or to make ourselves so unexpendable through our accomplishments that death will hesitate to take us, or, when the scimitar finally falls, to insure that we ‘live on’ in the memory of the lucky ones still kicking.

In this study and others like it, guesswork about a peculiar black predisposition toward unhealthy births imports an old notion about sickle cell disease “afflicting the black race.”25 Whenever I give a talk on this topic, there is inevitably someone in the audience who invokes the mantra that sickle cell anemia is a black genetic disease and therefore proves that race is a genetic category. This misconception was first popularized in the early twentieth century by hematology experts who believed the capacity to develop sickled cells was uniquely inherent in “Negro blood.”26 Stereotypes about black resistance to malaria and susceptibility to sickle cell justified sending black workers to malaria-infested regions in the first part of the century and later led to discriminatory government, employer, and insurance-testing programs in the 1970s.27 The error is easily exposed by looking at two world maps, one highlighting the regions around the globe where malaria is prevalent, the other highlighting areas where sickle cell disease is present. The maps mirror each other perfectly. By comparing them, it is plain to see that malaria and sickle cell aren’t restricted to Africa and that much of Africa is unaffected. High frequencies of the trait also occur in parts of Europe, Oceania, India, and the Middle East, all places where there is malaria. In fact, people in the town of Orchomenos in central Greece have double the rate of sickle cell disease reported among African Americans.28 If frequency of the sickle cell gene determined racial boundaries, it certainly would not prove there is a black race. Instead, as Jared Diamond pointed out in the November 1994 issue of Discover , if we grouped together people by the presence or absence of the sickle cell gene, “we’d place Yemenites, Greeks, New Guineans, Thai, and Dinkas in one ‘race,’ Norwegians and several black African peoples in another.”29 It would be more accurate to call the groups with the sickle cell gene the “antimosquito race.” Of course, that would be a silly way of grouping people, except for studying the sickle cell gene. But “black race” is an equally silly way of grouping people for identifying genetic contributions to disease.

Naturally, immunity is a natural physician that fends off all invading bacteria and viruses, whereas food becomes its medicine or trouble since that appears to increase or decrease your immune system; thus, choose the right and healthy food, and adopt this proverb: Eat to be alive, not live to eat. Experienced and qualified doctors understand the side effects of medicines before the prescription. Indeed, the majority of doctors hold a professional degree and certificate, whereas virtually none of them has the latest and accurate knowledge; as a result, it executes no difference between such doctors and a robot. When naturopathy experts and spiritual figures predict with significant certainty that you have no cancer or whatever other sickness, it confuses, surprises, and creates suspicious feelings in your mind, whereas doctors have diagnosed metastatic cancer. What should one believe and what not? However, one’s enemies are still awaiting its death. One breathes, expecting and waiting for the miracle of God; it will soon happen if one believes. You neither feel trust in your family doctor and specialists nor feel satisfaction with their treatment. You always realize that they do not tell the truth about how risky your disease is, and they never discuss it. If doctors fail to meet your sufferings of mucus, shortness of breath, and swallowing difficulties because of medication’s side effects, they will indeed put you on medical victimization, ignoring the better quality of life that the medical system promises. Most doctors work for the insurance companies instead of caring for patients. It is factually a medical crime that doctors, hospitals, or insurance providers put patients at high risk. Many doctors do not respect patients’ requests to fulfill it because patients want treatment according to international medical guidelines. Such refusal results in the spreading of their suffering. It saddens patients that the doctors only think about the insurance provider and not the patient. Indeed, such a situation can put one on the track in a dilemma. However, one’s experience and others may prove that none of the medicines give patients a good quality of life, whether homeopathy, allopathy, naturopathy, or even a spiritual one. If your fate stands as a barrier in front of you, no one sees or realizes what you have faced and is still facing worries about your health. Factually, robot doctors cannot provide significant information that may help to ease patients’ suffering; there is only one way to change lifestyle and stay strict on diet; it will have a better result than medicine, which is full of toxins that damage patients’ health instead of curing it. One can think or predict that the medical world has become a medical trade in which one cannot exclude the medical mafia. Is it a valid context that requires an authentic answer?

In order for a person to work at a church legally as an independent contractor, we believe it is prudent to consider the following guidelines:   ·       The church cannot substantially direct the person’s duties; the church can only give them overall tasks to complete.   ·       The church cannot control or set their hours that they work.   ·       Since their “company” provides the service, they can send anyone to do the job.   ·       They cannot have an office at the church that is their primary office.   ·       It cannot be their only source of income.   ·       The church needs to have a written contract in place including cost, delivery of Services, duration (i.e. six months, one year, etc.) and a termination clause.   ·       They cannot participate in any employee benefits plans (insurance, retirement plans, etc).   ·       The contractor must provide annual proof of worker’s comp and liability insurance naming the church as additionally insured or the church could be held liable in the event of a claim.   ·       The church must issue a 1099 at the end of the year for all contract wages paid if the total amount for the year exceeds $600.00 to one contractor. We strongly recommend that no payments are made until an accurate and fully completed W-9 is completed by the contractor and on file at the church.        Given these requirements, many workers such as those in the nursery, kitchens, and other service areas are not 1099 contractors, but employees.     Regarding interim pastors, there is disagreement over whether they should receive a W-2 or 1099. Factors such as length of service, who supervises them, and whether they are a contractor, come into play in the decision on how to report their salary. For the best practice we recommend always using the W-2 to report salaries, but seeking tax and legal counsel would be wise to avoid any future IRS issues.      While there are advantages to the church to pay independent contractors who regularly work for the church such as avoiding the need to pay the employer's part of the FICA tax and the ease of terminating their services, we would recommend against their regular use.      We recommend against the use of independent contractors (that regularly work at the church) because we believe it can create the following problems for the church:   ·       Less control over the position   ·       Leaves the church open to an IRS challenge, which the church only has a 50/50 chance of defending, not to mention the cost and hassle of litigation   ·       In the event of insurance claims, the church may encounter issues with worker’s compensation coverage or liability insurance coverage such as sexual misconduct, etc.   ·       The church is open to contract disputes with the independent contractor   ·       Based on how the individual/company is filing their taxes, it could bring an unwanted tax audit to the church        Our conclusion is that we do not see enough cost-saving advantages for the church to move in this direction. It also creates unnecessary red flags for the IRS. The other looming question is, why is this such an important issue for such a small incremental (if any) tax break for the individual? Because the independent contractor will have to pay employer FICA, we don’t see any large tax advantage for this shift. They can claim mileage and some home office expense (maybe), but it just does not amount to enough to place the church at risk.      Here are some detailed guidelines

[Following is an official OnlineBookClub.org review of "Building Insurance Your Guide" by michael a.n.p. cretikos.] ________________________________________ 5 out of 5 stars ________________________________________ Share This Review FacebookTwitterLinkedInPinterestShare ________________________________________ Building Insurance: How to Select the Correct Building Sum Insured Value for Low-Rise and High-Rise Structures authored by Michael A. N. P. Cretikos is a comprehensive guide on how to select the best policy and factors to consider to avoid being in a situation of underinsurance. According to the author, he filled in the gap that exists in knowledge by introducing the Building Sum Insured Value (BSI) based on current rental value, and according to him, this method is the most accurate that there is. The author highlighted situations in which underinsurance is inevitable and underlined ways to avoid such situations. Taxes such as stamp duties on insurance could be disincentives, and the author discouraged it. He advised the readers to always opt for 100% coverage so that the loss can be fully catered for and the insured reinstated back to their previous position. Several acts and policies were stated, and the authors made suggestions for innovations; the ICA code wasn’t left out; he highlighted the fault in it and gave feasible solutions. This book was very informative, and I enjoyed reading it. The author's in-depth research shines through and adds a layer of authenticity to the book. I loved the fact that as much as the author criticized the already existing policies, he made suggestions for improvement. I equally appreciated the fact that there were so many quotations backed up with references so the readers can verify at their will. The step-by-step calculations and clearly outlined tables also enhanced my understanding of how numerical values are arrived at, and I absolutely loved it. As much as I enjoyed reading this book, I found some parts overly repetitive, and I also found the consistent use of bold texts quite distracting. I loved the keypoints outlined in every section; it made the important information very easy to grasp. Overall, this book was an enlightening read and would keep readers eager to learn more. I rate this book five out of five stars because of its informative contents and the fact that my dislikes weren’t enough to remove a star. I didn't find any errors while reading, which implies that the book was perfectly edited. I’d recommend this book to people who are interested in the workings of building insurance.