Monday, March 14, 2011

Tips for what to do if you are involved in a car accident

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The moments following an auto accident can be confusing and hectic.  Not only are the parties involved having to process what just took place, they must also make split-second decisions of what to do next due to both possible injuries and non-drivable vehicles

Here are some core steps every person should remember and utilize if the need arises:

- Call the police.  One party (usually the one at fault), may ask that the police not be called or assert that, given the venue of the accident (e.g. a parking lot), the police will not come to the scene. This is not always true and you should call the police and have the dispatcher decide if your accident warrants a response or not.  Moreover, if you choose not to phone the authorities, your insurance company may inquire of you why you didn’t.

- Check for immediate injuries. This can and should be done simultaneously while on the phone with the authorities.  Keep in mind, though one may not be immediately injured, injuries can manifest themselves days later.  Just make sure that they are related to the accident. Injuries reported days and weeks after an accident, can be subject to increase scrutiny by your insurance company and the carrier for the other party (if applicable).

-- Assess damages to both yours and the other parties’ vehicle (if applicable).  Taking pictures is very helpful.  Two to four pictures of the other vehicle is sufficient (if applicable) and at least 5-10 photos of your car. Be sure to take pictures from all angles; even those areas that aren't damaged. This will prevent either party from being accused of creating pre-existing damages.

-- Report the claim to your insurance company immediately, regardless of fault.  This will show due diligence on your part and will allow your carrier to be proactive on your behalf in the case of a  word-vs.-word  collision.


These tips are a handy guide, and will allow you to navigate the beginning days of your claim smoothly.

Drive Safely  

Note:  All insurance policies are different and have different requirements for reporting an automobile loss.  Please direct all questions specific to your situation to your insurance company or agent. Have all injuries evaluated by a competent medical professional.

Friday, March 11, 2011

How to Lose Up To 100lbs in a Year

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Committing to lose extra weight can be daunting for anyone who seeks to change their body for the better.  For an individual who needs to lose in excess of 100 pounds, the task can feel insurmountable. Moreover, with a seemingly endless list of possible diet plans to choose from, it adds to the difficulty of simply knowing where to start.

If you are a little tight on money and unable to take part in some of the popular weight loss plans or reduced calorie meal services, calorie counting may be the right fit for you and your wallet.
The following are tips on how to begin your weight loss journey:

Start slowly.  Make a resolution such as eating out less or not at all and cooking all meals at home.  At this point, you are not yet committing to anything and eating as much as you want. However, you are making more sound choices by foregoing the processed foods that are often found at some fast food chains and restaurants.

After two to three months of doing the above steps, begin restricting calories.  A good range to start is around 1500-1800 per day; making adjustments lower or higher as needed.

Measure, measure, measure.  It is very important to measure your food by using a digital food scale. This will give you an accurate account of the calories you are consuming daily.

Keep a Journal.  This helps you to not only monitor your food intake, but keep a written account of what you are feeling and thinking on a given day.  If you encounter any stumbling blocks -- which most dieters’ experience -- you can look back on how you overcame it, and regain focus to get back on track. There are many online diet journals to choose from. Just search for one using your favorite engine.

Exercise   Experiment with many forms of exercise until you find the one that works best for you and your lifestyle.

With the above tips, you could average between 5-10lbs a month in weight loss, if you have at least 100 pounds to lose. Also, these tips will instill new eating habits that will help your ‘diet’ evolve into a complete lifestyle change.

Click here follow my weight loss journal. Keep in mind that my weight loss site is very informal. However, I hope you can find my path to self discovery helpful in your own journey.

*Note: the above tips are not meant to substitute the advice of a physician or other trained professional.  Because the details concerning your weight are specific to you, please consult with a physician before beginning any diet or exercise program.